Hi, everyone!

My name is Zach. Some of you may know me as "A Functioning Gay" on Instagram.  

Back in 2007 I took out some private student loans** to pay for cosmetology school, not fully understanding the consequences of what that would mean or look like when it would come back to re-paying them.  I've spent over a decade attempting to pay back these loans while trialing through financial hardship, only to realize back in 2021 that I owed even more than what I initially took out.

Since 2021, between your gifts, the Covid-19 stimulus checks, my own personal savings, and my normal monthly payments, I've been able to dwindle these loans from $16,000 down to $6,000. With your help, I can finally pay off these loans once and for all and begin to move forward on other advancements in life.

Thank you in advance for your consideration, donations, and help!

** WHAT ARE PRIVATE STUDENT LOANS? **

Private Student Loans are not treated the same way as Federal Student Loans: overall monthly payments are higher, interest rates are typically higher, deferment & forebearance options are extremely limited, and income-based repayment plans are limited as well. Even when I was on a low-income based plan, the monthly payments were still above my means.