As I said above, if it were any other trip it would be a no brainer. However, this particular trip is about studying theatre traditions (I’m a theatre minor and I love it) in a country I’m deeply attached to, and many of the experiences are available only to students on this trip - if I don’t go on this trip, there’s no way I’ll ever get to have them (and even doing the stuff that is available to solo travellers, like going to the plays, is way more expensive if you’re not doing it in a group).
This trip would be during my second-to-last term of school, so I’ll be working soon anyways. I’m doing a double major in human physiology and neuroscience, so I should be able to find a good job soon after finishing.
I’m looking for a second job in the meantime.
it sounds like you will benefit more going on the trip and adding it to part of your plan to zero out your debt.
you can work with that and as monkeyowl mentions your level of debt is clearable. any level of debt can be, it is about your attitude towards your finances and your financial mentality.
two people mentioned to utilize your savings and yes in your case it could help you minimize debt.
depends on how much you’ve saved and how much you can afford to take out of it.
I meant like
Let’s get drunk in Europe and not have to worry about studying while we take cute “candid” pics for the ‘gram ahaha
But otherwise yeah if the program is for something serious like MonkeyOwl says
Absolutely disregard what I said lol
The most immediate reason that it sucks is that I really want to get MBL
I’m sure you can get your MBA soon - the beauty of this country is that there is no age limit to enrolling. So, if not soon, eventually 
I meant Muscles Beyond Limits
But thanks for the positivity anyways
Too bad you backed down from that opinion, because I wholeheartedly agree with it
Anyway, OP do you know what I would do if I was afraid of debt ?
I’d study debt, how it works, why it exist, the laws, procedures, how to use it.
If I was afraid of being broke, I’d study how to be rich. It’s like a guide, you worry about it, you should focus on it untill you understand i
You’ll go into debt at a young age, hoping that you can recover from it later somehow someway, I don’t know, doesn’t sound like a good plan.
Is it worth it ?
If it’s your dream and you’re willing to pay for it later 
Is learning that thing in another country so much better than studying it in your home country ?
Is university worth over $10k, to listen to an old person read summaries of books you can read online ? Is that professional license to practice (if that’s your thing) worth it ?
The point is to make money… anyway
You can look at all the pictures you like of Uluru, it simply does not hold a candle to actually being there. Simultaneously, you can read all the books you like about the places and plays and theatre traditions of this country, it wouldn’t hold a candle to the experience. This trip isn’t studying at another university, a teacher from my own university is the trip leader/tour guide/teacher, introduces us to all sorts of contacts, etc.
I won’t lie, I’ve had doubts about school the whole time, but I’m nearly done so I may as well finish what I started. I’m almost finished with my degree, I wonder if I may as well go out with a bang.
I don’t really want to add more, cuz I had missed the part where you talked about physiology and neuroscience (to which theatre seems like a very solid addition to) 
So I deleted.
And I totally agree with being there is better than reading about it. But how much better for what price (money you don’t have) and is “it” worth it at all ?
Like if I check with all the big theatre bosses, did they all go there ? Is it a must ? They have the ultimate secret to theatre ?
Wanting to do it is one thing, but rationalizing is another.
You could still do it later, when you got the money, but that’s my dumb ass opinion.
Do your thing, I’ve blown my money a bunch of times, good memories.
Here we go
Edit: 99% of the time, people reply, but these are not really questions above. Again my point was, if you want to, do it. But it’s a fun thing and you are willing to pay for it, so no problem
No one talks about Don Philip like that excuse u 
Haha, @KPossible don’t worry, I’m just messing with Philip, see… it’s funny, because no one would ever dare say that to his face
Amazing discussion and opinions / advice was given from all angles. I actually don’t think there’s much to add after all.
Regarding your trip, it sounds like you should take it, but only you will know that in your heart in the end. I would recommend you to meditate on it.
Regarding the debt-fear part, have you tried this meditation to help resolve it yet?
Lmao 
Loop millionaire mindset, best field to accumulate wealth to this date trust me
Omg wait one more bc I am a horrible student who has done this lol:
Write papers for other classmates and get paid.
For reference: was a 10 paged 300 level class , about $200.
(With guarantee of an A )
But you really have to play that carefully.
And obviously low key
Or a more ethical version:
You also said you’re double Major and basically seem super smart. Maybe tutor? EDS offers paid opportunities usually
Or just managing yourself and announce via Facebook platforms ect
I also hope you know of UNIDAYS. Use that college discount code
also I’m not too sure what your relation is like with your family
But maybe ask for a loan to pay off the debt?
It’s nothing to be ashamed of if that’s what’s stopping you :)
And if it’s not, then
Ignore this comment
The discussion in this topic ended up being about paying debt, income sources and whether you should go abroad or not.
All these inputs are valuable, but keep in mind, we all speak based on our own experience.
I think what you do is up to you, listen to your intuition and don’t let a few posts sway you too much.
I think your issue is not your cc debt really but your attitude towards it.
I don’t know what stack you’re listening to, but I think the best you could do it drop most of the body realized ones (I’m guessing based on muscles beyond), and focus on 2 things:
-
Anxiety and subconscious limits
Ego dissolution
Slr
Anxiety
Emotional release
Crucible
Amygdala
(My mental and emotional supporter, but that’s a paid one :D)
Angel’s latest topic / the light seems to be working for many people -
Mindset / abundance
Mindsettings album
All wealth audios
You can add 1-2 luck ones
If you keep going with this, I think this should help your anxiety a lot.
Beneath it there is a fear of uncertainty and a lack mindset.
Okay, very belated thanks to all. Unfortunately it doesn’t look like the trip is going to work out.
Any advice for fields to get over severe disappointment?
(I can use the money to get more fields instead, I suppose that’s a benefit.)
@gittir I think there are two things that should be taken care of. First is the debt itself, and second is the axiety toward debt.
For your credit card debt, I think it’s better to pay it off ASAP. This is more important than taking on side hustles or investments to increase your income. Personal finance is quite different from coporate finance, while the former directly affects your mental wellness and the latter does not. Personally I think the status of having no debt is itself a source of joy. Of course, this also has to do with cultural and institutional differences between countries. I suppose you are an uni student in US, where living on paycheck to paychek is prevalent, and the cost of higher educaton is formidably high. But I suppose since you major in STEM subjects and also doing double major, you should be able to land on good job offers after graduation.
So, objectively speaking, I don’t see reasons to be anxious about having debt, since eliminating it is well within your capability. And that leads to the second aspect, namely your anxiety toward debt.
For irrational fear of things that can be objectively solved, @MonkeyOwl has already laid down a good list of fields may be of help. Also, I suggest using your neurological expertise to find fields that may down regulate the pathways of primal fear. Dream has created many specialized biological metabolite /drug fields. I guess Seretonin (patreon), Oxytocin (patreon) and GABA (paid, gumroad) may be useful? I haven’t tried these three, so I may be very wrong. Perhaps there are also some esoteric or energetical fields that may help with your fear, but that may need to invoke sages on this forum to offer opinions.
For disappointment, Deep-brain magnetic stimulation and Outlook Retrainer (patreon) or New Perspectives (paid, gumroad, replaces serotonin,oxytocin,outlook retrainer) are the ones I’ve tried. I liked outlook retrainer a lot. Again, please invoke sages here in this forum to offer advice. I am personally a mess, not the most suitable candidate for offering advices.
I hope you overcome this soon.