I'm a grad student, so I make about $30,000 a year. I didn't feel poor until I had a bicycle accident and saw the hospital bill. If the insurance hadn't cover

I'm a grad student, so I make about $30,000 a year. I didn't feel poor until I had a bicycle accident and saw the hospital bill. If the insurance hadn't covered it, it would have taken me years to climb out of that hole of debt.