APC/APS

Please comment on this as if it was a classmate reply:

A) Prior to the start of the pandemic in March 2020 my APC was 1.70 and my APS was -.70.

B) My APC now in March 2023 is 0.93 and my APS is now 0.07.

C) Back in March of 2020 I was in school for engineering and did not have a job. My income came in the form of per diem from my 9/11 GI bill. The reason that my APC was above 1.7 and my APS -.70 was because I was spending more than I was earning, going into debt in the process. Now, in 2023, I have a full time job making fairly decent money but still spending the majority of it to pay off those debts I had previously accrued. Therefore my APC is now below 1.0 and my savings is positive as I'm contributing a little to it while paying off debts. Not as much as I'd like, but high interest debt takes priority.

D) I have not personally experienced a change in my APC and APS but that's because I'm in a very privilaged position where economic turmoil doesn't currently affect me. I'm not paying rent, my job is fairly recession proof, and my spending and savings have remained unchanged as I work through school and paying off debts.