Recognizing you're in trouble is the first step
If you're in trouble and need help, you may find the resources below helpful.
Cash Flow Crisis
You've got money coming in ... eventually, but have nothing to live on right now.
- The DSU Foodbank exists to help students in emergency situations. If you need groceries to get you by, consider paying them a visit.
- Check with your department. Many departments have small jobs students can do to earn some extra funds. Ask one of your professors; they may not know of something off hand, but could point you in the right direction.
- Work part-time. Finding a job could help you earn enough to make ends meet.
- Personal Loans. Before heading to a bank, ask your parents or relatives for a loan. You'll earn some respect if you come to them with a proposal, in writing, for paying the money back. Then stick to it.
- Dalhousie Temporary Loans. See Temporary Loans for more information.
Bills piling up?
Don't hide. If you get in touch with the company you owe money to, they're frequently willing to take partial payment, allow you to skip a payment, or work with you to come up with a repayment schedule.
Look at your budget before getting in touch with them. If you don't have a budget, set one up (you're going to need it). See if you can spread the pain out over a couple months. To do this, you'll need to adjust the expenses you have control over, such as groceries or entertainment.
Credit card debt, bills and collection agencies
If you're in deeper than you can handle, you may need some expert help. Get in touch with our office. We can refer you to Credit Counselling of Atlantic Canada. They will help you through the crisis. It may not be easy but having control over your finances will give you peace of mind.
Office of the Registrar - Awards and Financial Aid Office
Henry Hicks Administration Building
Phone: (902) 494-2450
"I should be able to work this out myself" is a common student belief. You're an adult now, right? But financial troubles can be terrifying. They'll affect how you feel about yourself and your relationships. It will help to have someone to talk to. Asking for help may be the most important step to being able to move forward.
Visit Dalhousie Counselling Services.