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@brendacathleen Regardless of what the students need, your first duty should always be to yourself and your own household. I realize that may not be popular, but you can’t take care of anyone else if you yourself are already drowning in debt

@scopes I don't disagree with you that teachers are generally very underpaid, but anyone can be in poverty if they don't watch their expenses. Not saying that's what happened to OP, but they do mention having $11k in credit card debt.