Today, my mother came over again to help me work on my Student Aid application. She also brought over the savings bonds that she has been accumulating since I was born to help pay for college. Turns out they won't reach maturity until I'm thirty. She never bothered to check out this fact. I'm screwed for college. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I realized my mom, whom I've been distant with for a few months, doesn't know her birth date. She's in her thirties and I need to apply for a university loan but it's impossible without her NIN, and she knows that. FML
Today, I found out my mom took around $2,500 from my savings account to pay off my sister's college tuition. She recently flunked out of her studies and won't be returning to college anyway. FML
Today, after being accepted into the college of my dreams, I found out that my mom has spent all my college savings on alcohol over the years, and she says that it's my fault for not "helping her get help." FML
Today, I found out I'm on wage garnishment because my mother, who took out a student loan for me back in '05, didn't pay off the $2015 owed when she said she would. I got screwed over financially because of her. FML
Today, I discovered that when my parents offered to help me pay for college, what they really meant is they would get the forms for me to apply for student loans. FML
Today, I found out that, after offering to fill out my student aid application for me, my mother sent all of my personal information to a scam site instead. FML
Today, my mother told me how she managed to afford all of the expensive Christmas presents we got. She took out extra money when applying for my student loans. FML
Today, my mother asked me if she could borrow $200. Being the lovely daughter I am, I gave her my bank card to withdraw it herself. She gambled it away and maxed my bank account out. I had $1500 saved. FML
Today, I'm 36 years-old, living with my parents, in debt. My mom always wants to solve my problems by giving me money, which she later claims as "borrowed", so now I'm highly in debt with the bank… and her. FML
Today, I found out my mom has notebooks with lists of everything she has bought for me ever since I was born. Apparently she is going to make me pay her back for all the money she spent on me once I'm an adult. FML
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Top comments
birds_fml 7
You're not screwed. Just take out loans if you have to, and then when the bonds mature use them to pay off the loans. I mean, were those bonds REALLY enough to pay for your entire education? Depending on where you go, that could cost $40k or more.
shanameow 7
Well... Maybe you could use those in the future to help pay off student loans? Or a community college is a great way to get your general ed. out of the way, and save money!
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Comments (96)
Vasin_fml 15
Yeah at least you got money for college, you bastard. I had to take out loans and apply for several scholarships. Your college may have there own scholarship, so start applying.
kristylew03 1
Another banker here... If its a ee bond they reach face value in about 12-14 years. Yes they earn interest for 30 but the rate they've been paying has been much higher than traditional saving accounts so you've still been making out pretty good. Be happy your mom even thought to save for college.
snipeshow 3
I'm pretty sure bonds can be sold on the market to other investors... so that's a way to cash them in. and I'm also assuming the bonds pay interest annually or quarterly and not all at the end...
justbigbs 6
You are sure ungrateful, some parents don't even have a f---- dime for the kids to go to college. Your mom thought about you and saved up money for you, its still money you can use later. Worse come to worse take out the f----- student loan, and use the bonds to pay off the loan when available. At least your mom tried to plan for you. hope karma bite you in your ass real hard if you're not grateful to your mom.
anthylorrel 0
You can cash them in even if they aren't mature. you just won't get as much.
sarahbear430 0
you'll be fine. especially if your parents aren't rich (which if u were worried about paying, I'm guessing they're not). just take the loans and then the longer you're in school, the more free money you'll get!
Tony7781 0
Its called a student loan bright light. All u people do is complain about everything
BPislandgirl 0
I work in banking... Most are EE bonds these days, they reach their face value after 18 years, but can gain interest for up to 30 years. Thus, they are at least worth the amount printed on the bond after 18 years.
easwhitey 0
bond fail
eleniel421 28
Well, FYL if your mom had assured you that the bonds would pay for your entire education, because it sucks when things you're depending on fall through...but if the bonds were so essential to your financial plan, why were you applying for student aid? If you qualified for student aid even WITH the bonds, they can't have been worth that much and it's probably not a disaster that you can't use them right away.