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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 1441906401 05-13-2016, 10:01 AM
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Originally Posted By gainmusclefast⏩
so i have been with my GF for almost a year and a half.

her current debt is

student loans: 70k

car: 20k

credit cards: 19k

she is 31 and has a job making 50k a year.

is she going to be able to come out of this debt?
POVERTY

If you have debt you are living life the wrong way.

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post 1441906641 05-13-2016, 10:03 AM
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Originally Posted By Crazymix⏩
If you have debt you are living life the wrong way.
Not all of us suck dick for a promotion
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post 1441906831 05-13-2016, 10:05 AM
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Originally Posted By Crazymix⏩
POVERTY

If you have debt you are living life the wrong way.
Can I get a job with you brah? I can't afford a damn house in cash with my current salary.
Everything depends upon execution; having just a vision is no solution.

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post 1441908561 05-13-2016, 10:16 AM
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Biggest car loan I have had was 10k. Doesn't mean I only drive only sub 10k cars. Just means I did not go crazy getting loans for cars I can't afford.

Plus you can get a decent car for 10k. The 20k loan when in that kind of debt is crazy. But it is the norm these days for sloots
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post 1441908711 05-13-2016, 10:17 AM
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Originally Posted By gainmusclefast⏩
At first when I said something about her debt her response was its my money I can do what I want with it. Now if I bring it up she agrees with me that it is awful.
My mom says the same thing in response to the money she made throughout her life as well, and let me tell you, it's all bad newz. Now don't get me wrong, growing up my family had clothes and food, but my mom was/is a problem gambler and she has gotten our family into chit loads of debt that my parents to this day will never pay off. Because of her my parents have lived in a chitty two bedroom apartment their whole life, have tons of credit card debt and I got legit zero help for college/anything after I turned 18. According to my mom it was her money and it didn't matter what she spent it on regardless of having a family and bills and chit.

DO NOT STAY WITH HER unless she does a complete 180 starting yesterday. You are in for a world of trouble if you are with someone who has this kind of mental attitude towards obscene debt. It only will get worse, believe that OP.
***Maxing out 401(k) & IRA every year crew***
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http://forum.obnoxiousbrutes.com/showthread.php?t=170695411&pagenumber=
post 1441910141 05-13-2016, 10:26 AM
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Originally Posted By FairSquare⏩
As long as she keeps her job, I would imagine it's possible. It looks bad but I'm sure people have worked themselves out of much worse situations. I've heard of people who assumed debt after their parents died, and found out their parents owed boatloads of cash to the IRS, and guess who had to pay?
Mexico?
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post 1441910421 05-13-2016, 10:28 AM
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Originally Posted By EffortPoaster⏩
My mom says the same thing in response to the money she made throughout her life as well, and let me tell you, it's all bad newz. Now don't get me wrong, growing up my family had clothes and food, but my mom was/is a problem gambler and she has gotten our family into chit loads of debt that my parents to this day will never pay off. Because of her my parents have lived in a chitty two bedroom apartment their whole life, have tons of credit card debt and I got legit zero help for college/anything after I turned 18. According to my mom it was her money and it didn't matter what she spent it on regardless of having a family and bills and chit.

DO NOT STAY WITH HER unless she does a complete 180 starting yesterday. You are in for a world of trouble if you are with someone who has this kind of mental attitude towards obscene debt. It only will get worse, believe that OP.
Mom of peace. I hope she gets some help, brah.
post 1441912071 05-13-2016, 10:38 AM
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Originally Posted By Swamp
Mom of peace. I hope she gets some help, brah.
Too late, so doesn't matter anymore. I've just learned to deal with it and let them live their life, and I paid off a chit ton of college debt all on my own after only 4 years out. My younger bro is the one who is completely phucked tho.

My mom is late 60s now and dad is 71, but at least between SS and my mom's pension they'll do alright in retirement. Funny thing is that my mom still works and makes decent money all to feed her gambling habit. I grew up never wanting to be like her with money, so got a good lesson there at least.
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post 1441912151 05-13-2016, 10:39 AM
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The more I think about this, the more my mind is blown. Still trying to comprehend 19K in CC debt like WTF? She must have a lot of credit cards man, she prob takes one out, maxes it, open up another one, maxes it out, rinse and repeat several times. Like doe sshe not think she will have to pay that back? I honestly think she is looking for someone to take on her debt for her honestly. OP, guaranteed in the next year she "accidentally" gets knocked up and assumes you will marry her. Then her debt is yours and not her problem anymore. Like I don't even know how she can sleep at night, I would be stressed out of my mind form that.
post 1441912351 05-13-2016, 10:40 AM
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Originally Posted By Jax05⏩
How did she get $70k in student loans and only landed a job that pays $50k? You can make $50 without college these days...lol
yeah wow man just wow , strong debt. she couldn't even get a ****box car huh? hada get a 20k car while in massive debt already ...
Deport ALL Illegal Aliens
post 1441912541 05-13-2016, 10:41 AM
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Suddenly feels better about my life choices, that credit card debt tho!!!
Check out my supplement log for Gaspari's Size On!
http://forum.obnoxiousbrutes.com/showthread.php?t=172059223
post 1441912821 05-13-2016, 10:43 AM
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Even if she did pay it all off in 20 years, she has no plans of retiring.

Honestly, I would let this one go...
SINK Crew (Single Income No Kids)


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post 1441912921 05-13-2016, 10:43 AM
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Originally Posted By TheAmazon⏩
Suddenly feels better about my life choices, that credit card debt tho!!!
I feel bad about 20K! hahahahahha
SINK Crew (Single Income No Kids)


Who gon' drive? How about we both drive. I love that Sh*t.
post 1441912961 05-13-2016, 10:43 AM
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Originally Posted By zilaniz⏩
The more I think about this, the more my mind is blown. Still trying to comprehend 19K in CC debt like WTF? She must have a lot of credit cards man, she prob takes one out, maxes it, open up another one, maxes it out, rinse and repeat several times. Like doe sshe not think she will have to pay that back? I honestly think she is looking for someone to take on her debt for her honestly. OP, guaranteed in the next year she "accidentally" gets knocked up and assumes you will marry her. Then her debt is yours and not her problem anymore. Like I don't even know how she can sleep at night, I would be stressed out of my mind form that.
That kind of debt is not unreasonable. I lived for years paying the cc balance every month. Went back to school in an area that had a higher cost of living, dad died and had to pay parent's mortgage until we could sell the place, debt piled up.
Stuff adds up and a girl who probably has no financial wisdom can easily get in bad debt. Even though, what she has is not unfixable.
post 1441913931 05-13-2016, 10:49 AM
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Car debt is biggest concern IMO

I've had $22k in CC debt before and paid it off, but I would never buy a $20k+ car if I was that far in the hole like her. My $3k Jeep been running strong for 6 years
post 1441914391 05-13-2016, 10:52 AM
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The car and the college loans wouldn't worry me too much. Car maybe, depends on if she plans to ride it out till it explodes or if she'll just trade up in 5 years. They're a lot but it's manageable with good spending habits (srs). But the extensive credit card debt in combination with those is a big red flag. That kind of credit card debt tells me she doesn't know **** about how to manage money and probably never will.
post 1441915631 05-13-2016, 11:00 AM
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like most people said i'm not overly concerned with the car and student loans, i am a bit concerned about the car loan still but not to a huge degree. sometimes it's easier to swallow a new car purchase with the 0% interest offers and stuff but if she's rolling in anything nicer than your basic economy car she's got major issues. 20k in CC debt is HUGE though. even if i HAD $20k lines of credit, the only way those would be used to that level would be if i was funding say, equipment purchases for a home business and even then, there's better ways to go about it. if that's $20k worth of clothes and purses i'm packing my chit and running as fast as possible, that's a person with zero comprehension of how personal finance works and if you intend to marry her, i foresee MAJOR issues.

she should be living with her parents eating cheap food and wearing old clothes until that CC debt is paid down to at least <$1-2k, especially if she's making $50k. there's a lot of money in $50k that can be floated to paying debt down if you live even remotely frugally
post 1441917311 05-13-2016, 11:11 AM
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Originally Posted By gainmusclefast⏩
so i have been with my GF for almost a year and a half.

her current debt is

student loans: 70k

car: 20k

credit cards: 19k

she is 31 and has a job making 50k a year.

is she going to be able to come out of this debt?
I had more debt than your gf 4 years ago. I clawed my way out of it, and now have a beautiful home, new truck paid in cash, and a healthy savings. It can be done brahs.
post 1441917381 05-13-2016, 11:11 AM
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Originally Posted By gainmusclefast⏩
At first when I said something about her debt her response wasits my moneyI can do what I want with it. Now if I bring it up she agrees with me that it is awful.
Opie, I don't think she understands debt/credit (or irony)
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post 1441917601 05-13-2016, 11:13 AM
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Originally Posted By mike.hunt⏩
My $3k Jeep been running strong for 6 years
Jeeps are a different story. If you bought a used Jeep in 2010 for $3K, I assume you bought a used Cherokee, Grand Cherokee or Wrangler. Us Jeepbros know that the engine they used in that car is indestructible.
post 1441918001 05-13-2016, 11:15 AM
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Originally Posted By zknarc⏩
Opie, I don't think she understands debt/credit (or irony)
Neither do most people who get a large mortgage, no you don't own your house... the bank owns your house, even after you've paid it off, the government owns your house... stop paying taxes, see what happens.
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post 1441920681 05-13-2016, 11:29 AM
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If you marry this girl, $100,000+ is going to become your problem as well.



Is it worth it
The above post is 100% false
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post 1441921231 05-13-2016, 11:32 AM
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At this point, she needs to start paying at least 20% of her yearly salary onto her debt. At 10k per year that would take 11 years to pay off, roughly
post 1441921861 05-13-2016, 11:37 AM
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Originally Posted By Phobaphobia⏩
At this point, she needs to start paying at least 20% of her yearly salary onto her debt. At 10k per year that would take 11 years to pay off, roughly
which is extremely unlikely to happen, based on her history.

I have left a gf over student loan debt. OP i suggest you run for the hills. no bitch is worth a lifetime of scraping by and helping her with this problem she won't take any personal responsibility over. her ass will only get flatter, her pussy drier, and her looks will turn to a complete pile of trash. why hitch your wagon to that?
post 1441922221 05-13-2016, 11:39 AM
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130k total debt... lol..well if you ignore the interest and make a 500/mo payments youll be debt free in... 21.7 years...LOLOL yeah id dump her.
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post 1441922281 05-13-2016, 11:39 AM
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Originally Posted By TheSteve39⏩
Jeeps are a different story. If you bought a used Jeep in 2010 for $3K, I assume you bought a used Cherokee, Grand Cherokee or Wrangler. Us Jeepbros know that the engine they used in that car is indestructible.
Cherokeebrah checking in. Can confirm cheap as hades to maintain.
post 1441922461 05-13-2016, 11:40 AM
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she's just your GF, KEEP it that way!! or get rid of her. do not marry her.
Owe:


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post 1441922591 05-13-2016, 11:41 AM
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Would dump her instantly for that unless I already had no intentions to be with her long term.

70k student loan debt... ok fine it happens.

20k car debt... Would break up with her at this point. Shows her priorities, need to spend, and lack of critical thinking as it makes it impossible to pay the student loan off ands lock the two of you out of home ownership even longer.

19k credit card debt... WTF she can't control her spending and never will, run run run.
post 1441922761 05-13-2016, 11:41 AM
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lol @ anyone that has debt. Hopefully survival of the fittest will
weed out these inferior beings.
post 1441922921 05-13-2016, 11:42 AM
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I'm curious, with this many comments (182 as of drafting this post), have any women commented?
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