One half of the Rock-n-Roll team that is Nouveau Poore. Check it out: http://nouveaupoore.tumblr.com/
After moving to New York with her husband in 2008, right after the crash, Penny naively thought she would have no trouble finding a job. Poor, silly Penny. After 18 months of unemployment, maxing out the unemployment bennies, cashing in the 401k and everything else we had, Penny was able to land a temporary transcribing job. Then she was able to land a job cat-sitting, then a job in catering, then another temporary transcribing job and a few (very few, and very precious) writing jobs.
She and her husband also moonlight as building supers, taking care of things around the old brownstone for the land-lady when she's out of town.
Penny used to be a legal secretary and taught college composition during grad school, but her employment history of late is so chaotic that not even the temp agencies want her.
So, she has resorted to talking about herself in third-person on the internet, under a nom-de-plume, because it's easier to be honest about how very much it sucks to be poor in New York City when you're anonymous.
Income-Based Repayment (IBR) is a new way to make your federal student loan payments more manageable. And if you’re a teacher or work in government or at a nonprofit (501(c)(3)) organization, you might qualify for a new type of public service loan forgiveness (PSLF) after 10 years of eligible payments and employment.