Sovatthika, from one of your earlier posts, it sounds like your intention is to ordain for life. When you put this into perspective, 4 or so years spent to pay off debts is a very small amount of years for a different way of life that will last maybe as long as 60-70 years.
If you are to evade your debts and ordain, will you not spend those months and years with constant fear of being forced to disrobe and of being deported? Of having to return to the US and of being exactly in the same situation you find yourself right now, of having to pay $20 000 of debt, but with thousands more in interest?
And consider the opposite....
Wouldn't it be better to spend a few years paying off your debt, to ordain with a clear conscience and to live as a monastic without constant fear of being deported? You could also use those few years you are taking to pay your debts to take care of and spend time with your mother, as well as studying and practicing Dhamma—and even improve your back/physical health.
4-5 years out of 60-70 years is a very small amount of years. And paying your debts might be a lot easier than you think. There are a number of very good blogs and books on getting your finances in order and paying your debts (I'm reading one right now).
Here is a blog: http://www.mrmoneymustache.com/2012/03/ ... fanciness/
(it tackles debt in a humourous way, as you can see by the name of the blog
Anyway, I don't think there is much more I can say to try to convince you otherwise, so I'll leave it at that.
samseva wrote: ↑
Tue Oct 24, 2017 7:41 pm
Sovatthika, if you are serious about efficient solutions/actually paying off your debt, I would look into debt consolidation. You might also want to talk to a financial advisor (the investment might be worth it). You mentioned that you have approximately $20,000 in debt. If you only pay back around $5000 per year, you will have paid it completely within 4-5 years.
If your plan is to ordain, then to some degree, your expenses should be extremely low if you live similarly. You would need to have income, obviously, but that would be the way to go about it. You could get your health back on track during that time as well. Anyway, a financial advisor could probably advise you better.