I had some vague idea that Hogwarts was expensive. But no one told me that when I graduated I would owe an amount equivalent to roughly 300,000 butterbeers. When I first embarked upon my wizarding degree, I had zero savings of my own and no one to co-sign my loans, so I took out a private loan on the recommendation of a “friend” who later turned out to be a Death Eater (long story). Anyway, after 10 years of fighting for my life, rescuing classmates and mentors alike, blah blah blah, my interest rate was the last thing on my mind. Frankly, by my final year I assumed I could just Expelliarmus any extra debt that had accumulated.

Little did I know someone had put a Cascading Jinx on those loans. So I decided to defer them for a couple of years while I figured out what I wanted to do with the rest of my life—turns out that the only professorships they give out these days are adjunct, even at Hogwarts. I slipped on a few payments, and now I owe 60,000 Galleons more than when I started. I’m getting Howlers every second from the Ministry of Credit. I can’t walk out my door without being accosted by a fucking owl!