Working mom defies the odds, paying off a $160,000 loan after juggling two full-time jobs and a toddler for 12 months: ‘Here’s to new beginnings'

Author image for Jesse Kessenheimer
Jesse Kessenheimer • Writer and Editor
Jan 16, 2025 9:00 AM EST

Being a mom is a full-time job. So working moms are contractually obligated to two full-time jobs–so when this mother of a toddler decided to get a third full-time paying job, her family and friends thought she was crazy… But she was not without purpose. Under the crushing weight of $160,000 in debt, with an 18% interest rate increasing her financial burden every single day, this tough working woman decided to put her nose to the grindstone, find another job, and get PAID so that she could absolve her debts. 

Many of us have at least a little bit of debt. Whether your credit card payment is left undone, your student loans never got forgiven, or if you have a mortgage, you're in debt. It's as simple as that. While debt may be the crux of typical American finances for the working class, this woman decided she was tired of having a piano dangling over her head and took it upon herself to set a seemingly impossible goal: Get everything paid off within 12 months. 

Well, be prepared to be inspired by this lady's dizzying work ethic, because she actually pulled it off. 

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    Cheezburger Image 10454729216
    via sagestock

    The image does not depict the actual subjects of the story. Subjects are models.

  • Although she was juggling parenthood on top of her regular work day, this tough-as-nails mama woke up one morning with a burning motivation that scorched through all logic and reason. She picked up a remote job on top of her in-person position and spent every spare moment of her life on the clock. Foregoing parties, coffee dates, mommy-me-time, and so much more, she managed to grind harder than any of us could ever dream of, and managed to reach her goal of paying off her exorbitant debts. 

  • To that, my dear lady, I commend you. Perhaps it's time for this mom to take a much-deserved vacation after all of her hard work. Reward yourself with more than just the blissful relief of being debt free!

  • 02

    "I did it!"

    As a woman with a 3-year-old daughter, I embarked on a journey of OE with one onsite job and another remote job for 12 intense months. My goal was daunting: to pay off a $160,000 personal loan with an 18% interest rate. And guess what? | did it!
    via sabitoo1234
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    The journey was far from easy. The stress was overwhelming at times, and my marriage was tested to its limits. But last Friday marked the end of this chapter as I stepped away from one of the jobs, choosing to stay with J1.
    via sabitoo1234
  • 04
    This experience was both challenging and rewarding. It taught me resilience and the power of determination. If you're looking to make money and tackle financial hurdles quickly, OE can be a powerful tool.
    via sabitoo1234
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    FE
    via macniak

    The image does not depict the actual subjects of the story. Subjects are models.

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    Remember, it's not just about the destination but the strength you gain along the way. Stay motivated, and know that you can achieve incredible things, even when the odds seem stacked against you.
    via sabitoo1234
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    Cheezburger Image 10454729728
    via halfpoint

    The image does not depict the actual subjects of the story. Subjects are models.

  • 08
    Here's to new beginnings and the freedom that comes with overcoming financial burdens!
    via sabitoo1234
  • 09
    hyemae That is awesome! Glad you made it work. How do you juggle an onsite job with a remote one?
    via hyemae
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    sabitoo1234 I was onsite for 3 days working 13-hour shifts. During that time, I only responded to Teams on my phone and to things that were really urgent. I left my laptop in the car with a mouse jiggler and a portable charger.
    via sabitoo1234
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    When my laptop ran out of battery, I charged it inside my backpack. I worked during my lunch hour in my car. On the days I was at home, I worked more than 12 hours a
    via sabitoo1234
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    day at my remote job to catch up. Physically, I am exhausted. I also have 33 days of PTO at my remote job, and when things got complicated, I used my PTO. I didn't take a real vacation last year.
    via sabitoo1234
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    TTYN WITH A 3 YEAR OLD
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    Teelilz Yeah I feel that's getting overlooked and it really shouldn't. Kids that age are still on an unintentional [unaliving] watch. Mad, mad respect!!
    via Teelilz
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    Mr Perfect What was the personal loan, a credit card? That's an insane rate. You would've been shackled for life. Nicely done. Not don't get in that spot again
    via Mr__Perfect
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    sabitoo1234 A serious mistake, I couldn't pay all my credit cards and I consolidated with a scam company that was the only one willing to lend me that amount.
    via sabitoo1234
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    jwilk92 They were probably sweating when they realized you were paying it off
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    Mojojojo3030 Realistically the alternative was probably bankruptcy. Sounds more like everyone won here. Including the employers actually.
    via Mojojojo3030
  • 19
    Qcuzmih That level of determination is really impressive. I'd love to know what industry you're in, but understand if you prefer not to divulge. I'm going to have to get extremely creative to help put my kids through college and your story is inspiring.
    via Qcuzmih

  • I still have some student loans lying around somewhere gathering dust, perhaps it's about time I match this working mom's energy to get those bad boys paid off... Then again, I really like vacation time, my hobbies, and sleeping more than 5 hours per night. 

    Maybe next year! 

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boss worker paid off employee manager job two jobs toddler work coworkers working mom working moms ceo underpaid employees debt supervisor overworked-employees workplace company full time mom coworker business paid
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