What to Do When You Hate Your Job

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Have you ever experienced a feeling of dread creep up on you as your Sunday fun day slowly fades to a case of Sunday night blues?

It’s not just you: nearly 3 in 4 people reported feeling anxiety on Sunday night because the start of the workweek loomed over them, according to a survey on Monster last year.

What’s more, 18% of American workers admit to being “actively” disengaged, according to Gallup’s 2013 State of the American Workplace Report. Or, as Gallup CEO Jim Clifton put it in the report, “roam the halls spreading discontent.”

If you fall into one of these groups, you may be in the wrong career field and ask what to do when you hate your job. How can you improve your situation? Should you get a new job?

These are important questions to consider. You’ll spend nearly one-third of your life with your job if you work 8 hours per day. Knowing how to switch careers is important if you chose the wrong field and are now unhappy because if it.

But before making a dramatic change, make sure you honestly evaluate your situation.

Remember, work is work

There’s a difference between not loving your job and absolutely hating what you do. Don’t be fooled by the idea that if you find a job you love, you’ll never work a day in your life.

Work is work. Even the happiest, most successful people face tasks and projects they’d rather not do. We will all face challenges and difficult problems that don’t come with easy solutions.

So before you start considering your options on what to do when you hate your job, be honest with yourself. Are you frustrated with your entire career, or a single aspect of your current company? Do you like the actual work you do, but that one coworker drives you up a wall?

Look for the source of your unhappiness. Is it a small issue that you can take action to address? If so, changing your career may be an overreaction to a single source of irritation that you may be able to remove from your work life.

You may be desperate to figure out what to do when you hate your job, but it’s important to make sure the negativity isn’t tied to a problem with an easy solution.

No job is perfect — not even your “dream job.” Even if the work you do is something that you truly love, you’re bound to have bad days. Remember that the goal for choosing the right career field is not perfection, but satisfaction, fulfillment, a sense of purpose and value.

If you’ve chosen the wrong career field

If the source of your stress, frustration, or depression around your job is not a small or simple issue that you can resolve, then you owe it to yourself to seek out a new line of work.

Here are a few red flags to look out for:

  • You do what you need to do and never anything above and beyond what’s minimally acceptable.
  • You’re disengaged, constantly bored, and take no pride in your work.
  • You don’t care what happens at work, with your position, your team, or your company as a whole.
  • You feel exhausted — all the time, day after day.
  • You feel stuck and limited; there’s no opportunity for advancement, change, or growth.
  • You consistently think about how to get out of your current job.

If any or all of these red flags pertain to your situation, you may be in the wrong career field and it’s time to make a change.

How to pick a career

If you’re wondering what to do when you hate your job and it’s causing serious anxiety in your life, it’s time to learn how to switch careers. But where do you start?

“People are always trying to find an immediate step to take,” says Eric Roberge, a certified financial planner who founded his own business Beyond Your Hammock to help other entrepreneurs and professionals. “They want to know what’s next, right now. It’s a very short-term view.”

Instead of trying to create a linear process, Roberge suggests determining where you ideally want to be — and work backward from there to create a plan of action.

“Set a goal first,” explains Roberge. “Where do you want to end up? Once you throw that out there, you can say, ‘okay, here are all the ways I could make this happen.’”

In other words, you can’t know what to do to switch careers until you determine where you want to go.

“It may not be direct or obvious and it’s more about experimentation and discovery,” Roberge says. “You need to explore and look for common themes in what you want to do. There are probably many options for you within that one common thread that can provide you with job satisfaction — and the means to financially support yourself.”

Getting started on your new career

Now that you know what to do when you hate your job, it’s time to take action.

Start by updating your professional social media profiles. While you don’t have to widely advertise you’re looking for a new job while you’re still in your current position, make sure your LinkedIn account features a nice professional-looking photo.

Additionally, make sure your LinkedIn account is fully filled out with all of your work experiences, accomplishments, recommendations, and other relevant information. You can update your headline to include keywords that hit on the kind of work you’re now hoping to do.

Consider creating a personal website to showcase your expertise, resume, portfolio, and other credentials as well. Creating a site using your name is a great place to start. Or think about developing a blog to demonstrate your knowledge, share what you know, and put your abilities on display.

You’ll also need to create a new resume to speak to the kinds of positions and companies where you might want to apply.

How to switch careers by developing your skill sets

If your new career direction is in a different field, look for classes or additional education. This doesn’t necessarily mean an expensive graduate degree. In fact, you might be able to sign up for free classes in your community or online through free continuing education programs.

You can also commit to freelancing or consulting in your new field. Be proactive and look for opportunities, gigs, and work you can do on a project-basis. Join communities of others who do work you want to get into, and engage with people there.

You can also ask questions and get guidance from people who have already walked the path you’re interested in going down. You may be able to pick up freelancing work or leads from these groups as well.

Don’t be afraid to reach out to experts, influencers, and organizations. Offer to help in some way or ask about internships and volunteer opportunities to build your experience and connections.

Don’t lose hope

If you’re wondering what to do if you hate your job, your first step is to determine what’s really causing your stress. Anyone can make a distinction between a bad day at their job and a bad career that affecting their entire well-being

Then, if you need to make a big change in your career, be proactive. Don’t give in to frustrations or a sense of hopelessness. Prepare ahead of time, set a goal, and then work backward to map out a plan of action. You’ll be on your way to a better career in no time.

Interested in refinancing student loans?

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1 Important Disclosures for Laurel Road.

Laurel Road Disclosures

  1. VARIABLE APR – APR is subject to increase after consummation. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes.

2 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student Loan RefinanceFixed rates from 3.999% APR to 7.804% APR (with AutoPay). Variable rates from 2.480% APR to 7.524% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.480% APR assumes current 1 month LIBOR rate of 2.07% plus 0.91% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score
  2. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)

3 Important Disclosures for CommonBond.

CommonBond Disclosures

  1. Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). The following table displays the estimated monthly payment, total interest, and Annual Percentage Rates (APR) for a $10,000 loan. The Annual Percentage Rate (APR) shown for each in-school loan product reflects the accruing interest, the effect of one-time capitalization of interest at the end of a deferment period, a 2% origination fee, and the applicable Repayment Plan. All loans are eligible for a 0.25% reduction in interest rate by agreeing to automatic payment withdrawals once in repayment, which is reflected in the interest rates and APRs displayed. Variable rates may increase after consummation. All variable rates are based on a 1-month LIBOR assumption of 2.08% effective July 25, 2018.

4 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Education Refinance Loan Rate DisclosureVariable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of August 1, 2018, the one-month LIBOR rate is 2.07%. Variable interest rates range from 2.72%-8.17% (2.72%-8.17% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a cosigner. Fixed interest rates range from 3.50%-8.69% (3.50% – 8.69% APR) based on applicable terms, level of degree earned and presence of a cosigner. Lowest rates shown require application with a cosigner, are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan.
  2. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review.
  3. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled, must be in repayment of their existing student loan(s) and must make the minimum number of payments after leaving school. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned.
  4. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  5. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
  6. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply.
  7. Average savings based on 18,113 actual customers who refinanced their federal and private student loans through our Education Refinance Loan between January 1, 2017 and December 31, 2017. The calculation is derived by averaging the monthly savings of Education Refinance Loan customers whose payments decreased after refinancing, which is calculated by taking the monthly student loan payments prior to refinancing minus the monthly student loan payments after refinancing. The borrower’s savings might vary based on the interest rates, balances and remaining repayment term of the loans they are seeking to refinance. The borrower’s overall repayment amount may be higher than the loans they are refinancing even if their monthly payments are lower.
2.57% – 5.87%Undergrad
& Graduate
Visit Earnest
2.80% – 6.38%1Undergrad
& Graduate
Visit Laurel Road
2.48% – 7.52%2Undergrad
& Graduate
Visit SoFi
2.47% – 7.99%Undergrad
& Graduate
Visit Lendkey
2.57% – 6.65%3Undergrad
& Graduate
Visit CommonBond
2.72% – 8.17%4Undergrad
& Graduate
Visit Citizens
Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

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