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Forum » More General Categories » Misc. » GF has 19k credit card debt
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Thread: GF has 19k credit card debt

post 1442664381 05-17-2016, 12:36 PM
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Originally Posted By Cuchulainn⏩
She also did not want to save or invest because we were living in the end-times
Lmao. With that kind of attitude why even do anything? Pretty sure the world isn't ending anytime soon. Humanity has survived the black plague, world wars, etc. What's the biggest problem in the 1st world right now? Some economic problems and global warming? End times...ahahah.
post 1442664831 05-17-2016, 12:39 PM
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Originally Posted By lunchbox12⏩
lol at getting defensive. this debt is a massive problem.

you realize shes never gonna pay this debt off right? and if you marry her, it is now your debt as well.

i think the tour is over with her op
Actually it's very easy for her to pay the debt off if she does the things I mentioned in the above post. If she's learned from her mistakes and you genuinely believe that I wouldn't be concerned. If she rolls her eyes or start blaming other people for the debt, Run.

In other words all women are retards that's not something to concern yourself with. If you wait around for a genuinely smart one you'll die a virgin. What you need to concern yourself with is victim complexes and financial selfishness. If neither of those are the issue and she was just being a clueless idiot, that's forgivable
post 1442665071 05-17-2016, 12:40 PM
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Originally Posted By Marie646⏩
Age 31 and still has 70 in student loan debt? How in the hell...Did she even try to pay that down?
With law school, medical school, etc. it is quite possible to have that and more. The average debt from a private law school these days is north of 120k. Not saying it's great to get into that sort of debt, but it's not uncommon for professional school.

BTW, OP, I don't know where you are located but here in California (and other community property states), student loans taken out DURING MARRIAGE become jointly owed debt. However (and she's your girlfriend still, per you) federal loans taken out before marriage WILL NOT BECOME THE RESPONSIBILITY OF THE SPOUSE. So, generally, unless you willingly cosigned it will not be your responsibility. All of this depends on two factors, of course:

1. Whether the loans are federal or private

2. Which state you live in
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post 1442665431 05-17-2016, 12:42 PM
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Originally Posted By mdbrah22⏩
With law school, medical school, etc. it is quite possible to have that and more. The average debt from a private law school these days is north of 120k. Not saying it's great to get into that sort of debt, but it's not uncommon for professional school.
70k debt at 31 for newly minted doctor? LOL more like a quarter million at minimum
post 1442666391 05-17-2016, 12:46 PM
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Originally Posted By jobsr4slops⏩
70k debt at 31 for newly minted doctor? LOL more like a quarter million at minimum
Unless your parents were doctors and paying for your entire ride.
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post 1442666651 05-17-2016, 12:48 PM
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Originally Posted By jobsr4slops⏩
70k debt at 31 for newly minted doctor? LOL more like a quarter million at minimum
Well right, that's why I specified "and more".
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post 1442698141 05-17-2016, 03:52 PM
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OPie pepper your angus

I think the bigger issue isn't the debt as much as she doesn't really want to deal with it and has an attitude when it is brought up. I question her judgement and ability to take things head on as they come.

Seems like she's a chick that just wants to kick that bucket down the road and hold off from dealing with reality.
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post 1442698601 05-17-2016, 03:55 PM
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Thought it was $19k total, was going to tell op to suck it up and help her with half.


Opened thread and LOLD hard, time to find a new GF brah
post 1442699441 05-17-2016, 04:01 PM
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$50K a year
After taxes she's left with what $40K ?

Food , Clothes, Gas = $7,000/year (and that's frugal as ****).

Now down to $33K

Car Payment ? $300/month = $3,600/year

Down to $26,400

Student Loans ? $700/month = $8,400/year

Down to $16,000

Rent ? Utilities ?
$800/month =$9,600/year

Down to $6,400 / year.

Say CC us $25K including interest.

I'd say 6 years but thats living like a monk and not incurring any new debt.
post 1442702131 05-17-2016, 04:18 PM
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why would she buy a 20k car if she has almost 20k debt?
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post 1442704501 05-17-2016, 04:33 PM
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So roughly 120K in debt, which is a little more than a 2.2 DTI ratio. She needs to figure out what will be better financially for her, paying it off, or declaring bankrupcy. What sucks is the will lose the car, and the student loans will stay, so all she would really do is maybe have some if not all of the credit card debt eliminated, and making 50K a year the courts might decide she can pay that off so she might just need to pay it off. If she comes out from under it then her credit will be stellar because they look at these things and in a real loan situation, they know she will dig out no matter how deep they burry her.
post 1442705671 05-17-2016, 04:40 PM
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Originally Posted By jpmpdt⏩
why would she buy a 20k car if she has almost 20k debt?
because why not?
shes making dumb decisions and she wont change overnight.
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post 1442706231 05-17-2016, 04:43 PM
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You know what they call a girlfriend with 19k cc debt?





















An ex-girlfriend
post 1442706251 05-17-2016, 04:43 PM
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Just an FYI, people saying she will lose the car are a hundred percent incorrect
post 1442707771 05-17-2016, 04:52 PM
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I feel like the MISC is acting that this is a rare occurrence but the reality is that likely its very common, especially among middle-class millennials that are trying to live like they are upper class.

It's not even that hard to do, a few trips, shopping and buying designer brands, a few hotels, a bit too much partying, some new apartment furniture, TV, paying the minimum on the card = BOOM $15-20K in debt....

Do you think she will earn more over the next 2-3 years? Does she get a 10-20% raise every year? If so she will likely be able to work her way out in a few years but she definately needs to try to transfer those balances to a 0% APR balance transfer offer and correct her lifestyle or its only going to get worse.

Maybe break-up with her and tell her if she really loves you she will fix the problem and you guys can get back together...

Then its on her. If she wises up, you can take her back. If not, find another chick that has her **** together.
post 1442709721 05-17-2016, 05:04 PM
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lmao i love how the title of this thread said 19k credit card but 70k student loans and 20k car loan


just lol @ 100k loan in early 30's

might as well LDAR
post 1442714871 05-17-2016, 05:39 PM
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Whatever, just get rid of her. I got my mind blown at the fact that the car my GF has is a 38k one. She got it long before we got together and was able to put 20k down on it (and isnt in a bunch of debt like OPs sloot GF) but still...Ive been on her ass several times about how ridiculous that was. Now she may be selling it to get a cheaper one.

OP you dun goofed if you marry this sloot, and...dont do it.
post 1442809831 05-18-2016, 07:33 AM
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Originally Posted By Polaris⏩
Whatever, just get rid of her. I got my mind blown at the fact that the car my GF has is a 38k one. She got it long before we got together and was able to put 20k down on it (and isnt in a bunch of debt like OPs sloot GF) but still...Ive been on her ass several times about how ridiculous that was. Now she may be selling it to get a cheaper one.

OP you dun goofed if you marry this sloot, and...dont do it.
I agree that this sloot needs to go, but the average new car price is like $35k these days...
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post 1442810361 05-18-2016, 07:37 AM
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I felt like a rotter when I maxed my $1k credit card on a $50k salary.

$19k would keep me up all night.
post 1442810651 05-18-2016, 07:39 AM
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Run for the hills and don't look back
post 1442810901 05-18-2016, 07:41 AM
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Wait has a pic of this broad been posted yet?
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post 1442811111 05-18-2016, 07:42 AM
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I know op wont be listening

but she is too far gone. I don't think I know a single person who was this bad with money and suddenly cleaned up their act. The ones I know got far, far worse, endless involuntary credit agreements, bankruptcies, remortgaged houses/equity releases. Nothing to do with not having a good job, everything to do with a lifestyle expectation they cant let go of. Going to be a fun ride, op.
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post 1442812021 05-18-2016, 07:48 AM
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Originally Posted By iifymbro⏩
I agree that this sloot needs to go, but the average new car price is like $35k these days...
Honda, Kia, And Hyundai would like to have a word with you.
post 1442813751 05-18-2016, 07:59 AM
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Originally Posted By IH8RICE⏩
Honda, Kia, And Hyundai would like to have a word with you.
Nissan and Toyota are on the waiting list as well.
post 1442813821 05-18-2016, 07:59 AM
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OP still too embarrassed to give updates. SAD!
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post 1442813871 05-18-2016, 07:59 AM
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Originally Posted By InfinityThor⏩
I felt like a rotter when I maxed my $1k credit card on a $50k salary.

$19k would keep me up all night.
she's a woman. she has no conscience.

$19,000 on a credit card though, just fukin lol.
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