Forum
ยป
GF has 19k credit card debt
Thread: GF has 19k credit card debt
05-13-2016, 03:28 PM
-
#271
Originally Posted By ChiBearsfan⏩
Legit this is the only thing that will help. Rent is the biggest expense and she needs to take all that savings and put it to the credit cards. $1000 a month on the credit cards would have her out of it in two years.srs advice, she should move back in with her parents for a year
put the rent money into the cc debt
put the rent money into the cc debt
05-13-2016, 03:32 PM
-
#272
- zknarc
- Registered User
-
- zknarc
- Registered User
- Join Date: May 2016
- Location: United Kingdom (Great Britain)
- Posts: 16,421
- Rep Power: 44912
-
-
If she's not a gold digger she'll agree to get a sustainable plan of paying the debt off and start sticking to it before marriage and your finances are tied together.
This this is highly unlikely and she will get mad bro and try a guilt/manipulate you into paying it:
Her
You
This this is highly unlikely and she will get mad bro and try a guilt/manipulate you into paying it:
Her
You
If you can't handle me when I'm incel, you don't deserve me when I'm chad
05-13-2016, 03:33 PM
-
#273
- Nastradoomus
- Registered User
-
- Nastradoomus
- Registered User
- Join Date: Jul 2012
- Location: Las Vegas, Nevada, United States
- Age: 39
- Posts: 6,298
- Rep Power: 8346
-
-
it will take her at least 8 years to pay back her loans to get out of debt.
50k = 30k take home
20k - 7 = 120k
50k = 30k take home
20k - 7 = 120k
:/
05-13-2016, 03:33 PM
-
#274
- SwoleMayne
- Semper Fidelis
-
- SwoleMayne
- Semper Fidelis
- Join Date: Mar 2006
- Location: United States
- Age: 41
- Posts: 2,836
- Rep Power: 2449
-
-
Originally Posted By MarinoMike⏩
The average household income is 50k with two people. Now before you run your mouth I make more then that.First job I had right out of College was $43K pre bonus. It really isn't rocket science on how to bump that passed $50K, then $100K. Everyone seems to have such a cynical view on salary around here.
Every other person on the Misc makes 100k+ which is full of rotters, autists and people who cannot look at a girl without being obliterated off vodka.
I LOL every got damn time someone feels the needs to slide how much they make into a comment. I assure you not one person gives a ****.
Not a single **** was given that day.
U.S. Marine
BIG..MONEY..BALLERS - YOU ALREADY KNOW
If you have any questions about the Military, send a pm.
05-13-2016, 03:34 PM
-
#275
- 1quick1
- wutdafukdidujusaytomeulib
-
- 1quick1
- wutdafukdidujusaytomeulib
- Join Date: Nov 2005
- Age: 42
- Posts: 13,546
- Rep Power: 45904
-
-
She'll find some cuck to marry her and take it off her hands. Question is will you be that cuck?
I just finally paid off my credit cards and it took me a long time and I make more money than her.
I just finally paid off my credit cards and it took me a long time and I make more money than her.
05-13-2016, 03:34 PM
-
#276
Originally Posted By HMFIC_BROWSIN⏩
This. She is retarded with money, obviously irresponsible and impulsive spender. Do NOT be "captain save a ho" or whatever with this sloot.Ho lee fuk.
Have fun paying her debt.
Why are people so irresponsible?
Your gf is a nightmare.
Have fun paying her debt.
Why are people so irresponsible?
Your gf is a nightmare.
05-13-2016, 03:39 PM
-
#277
- 1quick1
- wutdafukdidujusaytomeulib
-
- 1quick1
- wutdafukdidujusaytomeulib
- Join Date: Nov 2005
- Age: 42
- Posts: 13,546
- Rep Power: 45904
-
-
Originally Posted By Pad264⏩
This is all relative to where you live. I lived in Toledo, OH most my life and 50k you're fine and can easily afford a nice 4 bedroom on 2 acres for $150k. In Denver a townhouse is $150k and I would be broke as shiit on $50k.$50k for a 31 year old with a college education is borderline absurd. I'm not saying she should be pulling home six-figures, and there could be a variety of other benefits attached to her salary, but there's really no way to justify the investment she made in her education. I also get that there are a ton of kids who go off to college on their parents dime and don't look at it that way, but if you personally are taking out a loan for a hundred thousand dollars or so and more than ten years later are only pulling in $50k, you fuked up.
And I don't think that's at all harsh considering the other evidence we have. You have to be mentally deficient to ring up $19k in credit card debt. No one in her life is looking after her and that's really sad.
And I don't think that's at all harsh considering the other evidence we have. You have to be mentally deficient to ring up $19k in credit card debt. No one in her life is looking after her and that's really sad.
Depending on what her degree is and her location it could be perfectly fine.
05-13-2016, 03:39 PM
-
#278
- CalmYerSwag
- Registered User
-
- CalmYerSwag
- Registered User
- Join Date: Aug 2012
- Age: 33
- Posts: 2,600
- Rep Power: 2403
-
-
Originally Posted By Nelly87⏩
I dropped out of university to avoid debt slavery and i never went for a job anyway i went to progress in my sport. I enjoy business because if done right, you don't have to trade your time for money, you have whats known as freedom. It worked out for me because i simply know how to make money. Real money, like 500 dollars a day plus more money. Money that can't be acquired by working for someone else. So lets get that outta the way, im no victim, no college brat. Im a winner.Your very first sentence caused my mindset to immediately turn the rest of your post into a whiny, no knowledge, college brat tone, FYI...
"The system" - you speak as if it is some ominous thing that goes around, kidnaps youngins and throws em into slavery. I agree that a lot of 18 yr olds going off to college do not have a full understanding of the debts they are taking on, is true.
However, the victim mentality of the system fukked me over annoys me. Ya sure, you made a stupid mistake when you where younger, a lot of us do. Figure out how to pay off your mistakes and learn from it. Don't blame "the system" for you voluntarily going to school and spending $70k.
I went to a for-profit tech school that charged the max amount. What did I do? I went to a community college first, knocked out 2 years then transferred into the tech school and finished it off. Only been paying on student loans for 3 years, but it is going down. I wouldn't say my college debt is bad debt. I went from retail making $30k/year to making a chit ton more. My upward mobility is high. So I'd say my college debt isn't bad. But agree if you got 70k loans for underwater basket weaving or some fukkin social degree that doesn't pay chit, then yes. You made a bad investment.
You want a house? You're going to be in debt unless you live with your parents for 10+ years to save up. Good luck renting and saving enough to pay cash for a house. You should be able to buy a house at 60, all the while you spent the last 40 years renting and throwing all that money away.
The thing about debt and borrowing money, is finding out how much you're truly going to pay. If you take a loan out on a car for $20k 0%APR, you're going to pay $20k. If it's 9%APR on a 48 month loan term - you're going to pay an extra ~$4k. On a realistic 3%, same loan/term you pay an extra $1,200. Not bad if you think about 4 years of paying, that's $25/month.
If you can borrow money, not pay much extra and this opens you up to more cash flow for other investments and/or savings then it's an excellent idea. People fuk up when they take out too much debt at too high interest and don't get a good ROI.
"The system" - you speak as if it is some ominous thing that goes around, kidnaps youngins and throws em into slavery. I agree that a lot of 18 yr olds going off to college do not have a full understanding of the debts they are taking on, is true.
However, the victim mentality of the system fukked me over annoys me. Ya sure, you made a stupid mistake when you where younger, a lot of us do. Figure out how to pay off your mistakes and learn from it. Don't blame "the system" for you voluntarily going to school and spending $70k.
I went to a for-profit tech school that charged the max amount. What did I do? I went to a community college first, knocked out 2 years then transferred into the tech school and finished it off. Only been paying on student loans for 3 years, but it is going down. I wouldn't say my college debt is bad debt. I went from retail making $30k/year to making a chit ton more. My upward mobility is high. So I'd say my college debt isn't bad. But agree if you got 70k loans for underwater basket weaving or some fukkin social degree that doesn't pay chit, then yes. You made a bad investment.
You want a house? You're going to be in debt unless you live with your parents for 10+ years to save up. Good luck renting and saving enough to pay cash for a house. You should be able to buy a house at 60, all the while you spent the last 40 years renting and throwing all that money away.
The thing about debt and borrowing money, is finding out how much you're truly going to pay. If you take a loan out on a car for $20k 0%APR, you're going to pay $20k. If it's 9%APR on a 48 month loan term - you're going to pay an extra ~$4k. On a realistic 3%, same loan/term you pay an extra $1,200. Not bad if you think about 4 years of paying, that's $25/month.
If you can borrow money, not pay much extra and this opens you up to more cash flow for other investments and/or savings then it's an excellent idea. People fuk up when they take out too much debt at too high interest and don't get a good ROI.
Moving forward, I will blame the system. Kids starting from 7th grade to 12th grade gets the brainwashing from every angle. "What college are you going to?" From the teachers, guidance counselors parents and peers all everyone knows is that college is the next step. It is a fundamental brainwashing technique. When i was 18 along with everyone in the school was bred to believe that if you didnt go to school you were going straight to mcdonalds to become a failure. Idk how old you are but if you are under 25 you know this as true.
Why do you think she along with hundreds of thousands of kids make these bad decisions to sign their life away for a piece of paper? She along with hundreds of thousands and all my friends weren't making a conscious decision at 18 years old. It was never their choice. It was society choosing for them. Maybe you lucked out and picked the right major and found the right opportunity thru a family friend or something. I honestly don't care.
All i care about is facts. And the fact is...college all across america increase tuition cost EVERY SINGLE YEAR by 7%. And the government and subsidiaries who writes the checks green lights it. Everything happens for a reason. And right now this millennial generation is filled to the brim with debt slaves who know they will never be able to pay it off. Hmmm, the only loan that can't be bankrupt is a student loan hmmm.
Lawyers coming out of law school with a quarter mili in debt getting 60k jobs as lawyers assistants. You think colleges are gonna put a sign on the front of the campus saying "temporarily closed bad economy no jobs". LMAO
Its the most profitable most succesful business model in the country. Just brainwash the upcoming generations(customers) to buy your product( a piece of paper that cost a house) fear monger them by telling them if they don't have this piece of paper they will be failures...get their friends and family in on it...
This is the real business going on..http://www.collegescholarships.org/r...student-loans/
Maybe you're third eye blind like the rest of the sheep. Maybe you're just not capable at looking at the bigger picture. Maybe you aren't aware that the majority of people are slaves that live paycheck to paycheck and just barely get by while a very small few are successful. Once again, Im in the green, i saw the storm, and i went the other way. Now all my friends wish they were me.
Se Vi Pacem Para Bellum
What you know bout pain? Blood sweat and tears man im sittin in the rain.
05-13-2016, 03:40 PM
-
#279
- 1quick1
- wutdafukdidujusaytomeulib
-
- 1quick1
- wutdafukdidujusaytomeulib
- Join Date: Nov 2005
- Age: 42
- Posts: 13,546
- Rep Power: 45904
-
-
Originally Posted By sword_⏩
Same situation. Never had bad credit but had debt. Now I'm out of all that looking back it's easy to see where I went wrong.Yep! I had my share of college debt and a car loan. It took a few years to repair that too...most college debt I had was 14K though and I had a 9K car loan but my car is almost paid off. One more payment. Credit score 770 - 790. Not going to let a broad ruin my finances lol
Financial literacy isn't taught in school though. It's like playing a game and learning the rules as you go along.
Financial literacy isn't taught in school though. It's like playing a game and learning the rules as you go along.
05-13-2016, 03:43 PM
-
#280
Originally Posted By gainmusclefast⏩
She will be working for the rest of her life to pay off the debts she currently has plus the future debt she most definitely will incur. Unless she gets on a budget and sticks to it, it's gonna be rough for her.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?
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?
Edit: just how many poster in here have read books by kiyosaki? Lol
05-13-2016, 03:49 PM
-
#281
- cixelsidCDN
- Kessely Snipes
-
- cixelsidCDN
- Kessely Snipes
- Join Date: Nov 2011
- Location: Toronto, Ontario, Canada
- Posts: 2,415
- Rep Power: 8343
-
-
Originally Posted By 1quick1⏩
Well if she's incurred that much debt then logically she lives in a place with a high cost of living.This is all relative to where you live. I lived in Toledo, OH most my life and 50k you're fine and can easily afford a nice 4 bedroom on 2 acres for $150k. In Denver a townhouse is $150k and I would be broke as shiit on $50k.
Depending on what her degree is and her location it could be perfectly fine.
Depending on what her degree is and her location it could be perfectly fine.
Yankees|Giants|Knicks|Maple Leafs|ChelseaFC|CelticFC
S&P
973 --> 416
05-13-2016, 03:50 PM
-
#282
Originally Posted By CalmYerSwag⏩
GJDM for being in business and being a successful entrepreneur. That's a fine lifestyle for some, not everyone. Don't kid yourself like it's an easy button win to life, it's not. Also you blanket statement everything, not everyone who went to college and got a degree is a sourpuss jaded person. I worked construction and retail. I said fuk that, learned a valuable skillset in college and make bank.I dropped out of university to avoid debt slavery and i never went for a job anyway i went to progress in my sport. I enjoy business because if done right, you don't have to trade your time for money, you have whats known as freedom. It worked out for me because i simply know how to make money. Real money, like 500 dollars a day plus more money. Money that can't be acquired by working for someone else. So lets get that outta the way, im no victim, no college brat. Im a winner.
Moving forward, I will blame the system. Kids starting from 7th grade to 12th grade gets the brainwashing from every angle. "What college are you going to?" From the teachers, guidance counselors parents and peers all everyone knows is that college is the next step. It is a fundamental brainwashing technique. When i was 18 along with everyone in the school was bred to believe that if you didnt go to school you were going straight to mcdonalds to become a failure. Idk how old you are but if you are under 25 you know this as true.
Why do you think she along with hundreds of thousands of kids make these bad decisions to sign their life away for a piece of paper? She along with hundreds of thousands and all my friends weren't making a conscious decision at 18 years old. It was never their choice. It was society choosing for them. Maybe you lucked out and picked the right major and found the right opportunity thru a family friend or something. I honestly don't care.
All i care about is facts. And the fact is...college all across america increase tuition cost EVERY SINGLE YEAR by 7%. And the government and subsidiaries who writes the checks green lights it. Everything happens for a reason. And right now this millennial generation is filled to the brim with debt slaves who know they will never be able to pay it off. Hmmm, the only loan that can't be bankrupt is a student loan hmmm.
Lawyers coming out of law school with a quarter mili in debt getting 60k jobs as lawyers assistants. You think colleges are gonna put a sign on the front of the campus saying "temporarily closed bad economy no jobs". LMAO
Its the most profitable most succesful business model in the country. Just brainwash the upcoming generations(customers) to buy your product( a piece of paper that cost a house) fear monger them by telling them if they don't have this piece of paper they will be failures...get their friends and family in on it...
This is the real business going on..http://www.collegescholarships.org/r...student-loans/
Maybe you're third eye blind like the rest of the sheep. Maybe you're just not capable at looking at the bigger picture. Maybe you aren't aware that the majority of people are slaves that live paycheck to paycheck and just barely get by while a very small few are successful. Once again, Im in the green, i saw the storm, and i went the other way. Now all my friends wish they were me.
Moving forward, I will blame the system. Kids starting from 7th grade to 12th grade gets the brainwashing from every angle. "What college are you going to?" From the teachers, guidance counselors parents and peers all everyone knows is that college is the next step. It is a fundamental brainwashing technique. When i was 18 along with everyone in the school was bred to believe that if you didnt go to school you were going straight to mcdonalds to become a failure. Idk how old you are but if you are under 25 you know this as true.
Why do you think she along with hundreds of thousands of kids make these bad decisions to sign their life away for a piece of paper? She along with hundreds of thousands and all my friends weren't making a conscious decision at 18 years old. It was never their choice. It was society choosing for them. Maybe you lucked out and picked the right major and found the right opportunity thru a family friend or something. I honestly don't care.
All i care about is facts. And the fact is...college all across america increase tuition cost EVERY SINGLE YEAR by 7%. And the government and subsidiaries who writes the checks green lights it. Everything happens for a reason. And right now this millennial generation is filled to the brim with debt slaves who know they will never be able to pay it off. Hmmm, the only loan that can't be bankrupt is a student loan hmmm.
Lawyers coming out of law school with a quarter mili in debt getting 60k jobs as lawyers assistants. You think colleges are gonna put a sign on the front of the campus saying "temporarily closed bad economy no jobs". LMAO
Its the most profitable most succesful business model in the country. Just brainwash the upcoming generations(customers) to buy your product( a piece of paper that cost a house) fear monger them by telling them if they don't have this piece of paper they will be failures...get their friends and family in on it...
This is the real business going on..http://www.collegescholarships.org/r...student-loans/
Maybe you're third eye blind like the rest of the sheep. Maybe you're just not capable at looking at the bigger picture. Maybe you aren't aware that the majority of people are slaves that live paycheck to paycheck and just barely get by while a very small few are successful. Once again, Im in the green, i saw the storm, and i went the other way. Now all my friends wish they were me.
Sure people pressure college because at least college is better than working at McDonalds 40 hours a week. Not everyone who doesn't go to college becomes some successful businessmen millionaire. Not everyone who goes to college comes out a working professional. Not everyone wins. At least if someone goes to college and comes out with a degree, they have something.
Sure - I could go into consulting with the network of professionals I've built over my career but I don't want those risks, at least not now. I need stability in an already proven business that can harness my skills and allow me to provide for the company and therefore my family.
To be in business and an entrepreneur:
-At first, this doesn't make enough (unless you're one of the rare individuals who had a great idea, got investors and up and running quickly.)
-So you make chit, until your business hooks in, steady clients, etc.
-You work way more than 40 hours a week, you are married to your business.
-You fuk up and make bad choices, investments. You're done. Gotta start over.
Now, through all the struggles and long-term of a successful business, it's ideal. You hire people to take care of your business and you only do some oversight and make sure the company moves in the right direction. You spend your time going golfing or vacationing, etc.
I plan on consulting and getting my own business going when my kids are out and I don't need that stability and they don't need to depend on me. This also gives me plenty more time to continue networking professionally and building relations with certain businesses that I can hire upon my needs.
"We are what we repeatedly do. Excellence then, is not an act, but a habit." -Will Durant
"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure." - Marianne Williamson
"He who makes a beast out of himself gets rid of the pain of being a man." - Samuel Johnson
"It's not over UNTIL I WIN!" - John-leslie Brown (Son of Les Brown)
05-13-2016, 03:51 PM
-
#283
- pullupsbrah
- Hetero Flexible
-
- pullupsbrah
- Hetero Flexible
- Join Date: Aug 2011
- Posts: 2,952
- Rep Power: 47860
-
-
$19k in credit card debt?
Abandon ship, OP. She lives way beyond her means.
As someone who takes advantage of cash back and rewards cards, I'm thankful for people like that. Their irresponsibility subsidizes my cash back and rewards. :3
Abandon ship, OP. She lives way beyond her means.
As someone who takes advantage of cash back and rewards cards, I'm thankful for people like that. Their irresponsibility subsidizes my cash back and rewards. :3
Steam: https://steamcommunity.com/id/wl883
+ Silkies Crew +
+ Ranger Panties Crew +
I like my runs long and my shorts short.
05-13-2016, 03:51 PM
-
#284
It's gonna be really rough
Assuming the averages/typical structure and rounding of numbers:
4% - Student Loans - 10 years
4% - Car - 4 years
15% - Credit Card
Your GF's interest would be in this year alone (this is JUST interest and NOT including repayment of principal, which overtime will reduce the loan amount to 0)
$2800 - Student Loans
$800 - Car
$2850 - Credit Card
$6450 - Total
For principal
$7000 - Student Loans
$5000 - Car
????? - Credit Card
You would be paying $18450/year to meet regular payments of interest/principal and that's EXCLUDING your credit card repayment which is by far the most important to get rid of first as it's the highest interest rate.
At 50K a year and 20% fed/state taxes, your GF's take home is $40K/year. If she is living and looking after herself, it will be very difficult to get rid of her debt. She should obviously remove most variable expenses (coffee/entertainment) and try to reduce fixed ones too (move in with parents as that can easily save her $5k-20k+/year)
EDIT: It should be noted that she may have higher rates of interest than average because of the amount of debt she has, so she could very well need to pay far more. She should may want to try debt counselors or calling her creditors to try to refinance. You'll definitely want to do a very in-depth analysis of her budgeting and start slashing things left and right. I do think that she could be able to get rid of her debt over time, but it is going to be a long and hard process. If you and her are serious about marriage, you should talk with her and tell her that if you guys marry, then her finances will actually have to be in order as it will dramatically impact you guys in the long-term, esp. if kids are an option.
Assuming the averages/typical structure and rounding of numbers:
4% - Student Loans - 10 years
4% - Car - 4 years
15% - Credit Card
Your GF's interest would be in this year alone (this is JUST interest and NOT including repayment of principal, which overtime will reduce the loan amount to 0)
$2800 - Student Loans
$800 - Car
$2850 - Credit Card
$6450 - Total
For principal
$7000 - Student Loans
$5000 - Car
????? - Credit Card
You would be paying $18450/year to meet regular payments of interest/principal and that's EXCLUDING your credit card repayment which is by far the most important to get rid of first as it's the highest interest rate.
At 50K a year and 20% fed/state taxes, your GF's take home is $40K/year. If she is living and looking after herself, it will be very difficult to get rid of her debt. She should obviously remove most variable expenses (coffee/entertainment) and try to reduce fixed ones too (move in with parents as that can easily save her $5k-20k+/year)
EDIT: It should be noted that she may have higher rates of interest than average because of the amount of debt she has, so she could very well need to pay far more. She should may want to try debt counselors or calling her creditors to try to refinance. You'll definitely want to do a very in-depth analysis of her budgeting and start slashing things left and right. I do think that she could be able to get rid of her debt over time, but it is going to be a long and hard process. If you and her are serious about marriage, you should talk with her and tell her that if you guys marry, then her finances will actually have to be in order as it will dramatically impact you guys in the long-term, esp. if kids are an option.
Repped: 100x
Modnegged: 1x
Brb deep in red, help a brother out
05-13-2016, 04:00 PM
-
#285
05-13-2016, 04:02 PM
-
#286
- sword_
- uberschwert
-
- sword_
- uberschwert
- Join Date: May 2005
- Location: Texas, United States
- Posts: 107,635
- Rep Power: 912964
-
-
Originally Posted By CalmYerSwag⏩
TOTALLY correct man. Jesus. We were all BRAINWASHED as kids to take XYZ path. I really can't blame my ex for doing what she did...going to a prestigious school, majoring in something she was passionate about, and graduating.I dropped out of university to avoid debt slavery and i never went for a job anyway i went to progress in my sport. I enjoy business because if done right, you don't have to trade your time for money, you have whats known as freedom. It worked out for me because i simply know how to make money. Real money, like 500 dollars a day plus more money. Money that can't be acquired by working for someone else. So lets get that outta the way, im no victim, no college brat. Im a winner.
Moving forward, I will blame the system. Kids starting from 7th grade to 12th grade gets the brainwashing from every angle. "What college are you going to?" From the teachers, guidance counselors parents and peers all everyone knows is that college is the next step. It is a fundamental brainwashing technique. When i was 18 along with everyone in the school was bred to believe that if you didnt go to school you were going straight to mcdonalds to become a failure. Idk how old you are but if you are under 25 you know this as true.
Why do you think she along with hundreds of thousands of kids make these bad decisions to sign their life away for a piece of paper? She along with hundreds of thousands and all my friends weren't making a conscious decision at 18 years old. It was never their choice. It was society choosing for them. Maybe you lucked out and picked the right major and found the right opportunity thru a family friend or something. I honestly don't care.
All i care about is facts. And the fact is...college all across america increase tuition cost EVERY SINGLE YEAR by 7%. And the government and subsidiaries who writes the checks green lights it. Everything happens for a reason. And right now this millennial generation is filled to the brim with debt slaves who know they will never be able to pay it off. Hmmm, the only loan that can't be bankrupt is a student loan hmmm.
Lawyers coming out of law school with a quarter mili in debt getting 60k jobs as lawyers assistants. You think colleges are gonna put a sign on the front of the campus saying "temporarily closed bad economy no jobs". LMAO
Its the most profitable most succesful business model in the country. Just brainwash the upcoming generations(customers) to buy your product( a piece of paper that cost a house) fear monger them by telling them if they don't have this piece of paper they will be failures...get their friends and family in on it...
This is the real business going on..http://www.collegescholarships.org/r...student-loans/
Maybe you're third eye blind like the rest of the sheep. Maybe you're just not capable at looking at the bigger picture. Maybe you aren't aware that the majority of people are slaves that live paycheck to paycheck and just barely get by while a very small few are successful. Once again, Im in the green, i saw the storm, and i went the other way. Now all my friends wish they were me.
Moving forward, I will blame the system. Kids starting from 7th grade to 12th grade gets the brainwashing from every angle. "What college are you going to?" From the teachers, guidance counselors parents and peers all everyone knows is that college is the next step. It is a fundamental brainwashing technique. When i was 18 along with everyone in the school was bred to believe that if you didnt go to school you were going straight to mcdonalds to become a failure. Idk how old you are but if you are under 25 you know this as true.
Why do you think she along with hundreds of thousands of kids make these bad decisions to sign their life away for a piece of paper? She along with hundreds of thousands and all my friends weren't making a conscious decision at 18 years old. It was never their choice. It was society choosing for them. Maybe you lucked out and picked the right major and found the right opportunity thru a family friend or something. I honestly don't care.
All i care about is facts. And the fact is...college all across america increase tuition cost EVERY SINGLE YEAR by 7%. And the government and subsidiaries who writes the checks green lights it. Everything happens for a reason. And right now this millennial generation is filled to the brim with debt slaves who know they will never be able to pay it off. Hmmm, the only loan that can't be bankrupt is a student loan hmmm.
Lawyers coming out of law school with a quarter mili in debt getting 60k jobs as lawyers assistants. You think colleges are gonna put a sign on the front of the campus saying "temporarily closed bad economy no jobs". LMAO
Its the most profitable most succesful business model in the country. Just brainwash the upcoming generations(customers) to buy your product( a piece of paper that cost a house) fear monger them by telling them if they don't have this piece of paper they will be failures...get their friends and family in on it...
This is the real business going on..http://www.collegescholarships.org/r...student-loans/
Maybe you're third eye blind like the rest of the sheep. Maybe you're just not capable at looking at the bigger picture. Maybe you aren't aware that the majority of people are slaves that live paycheck to paycheck and just barely get by while a very small few are successful. Once again, Im in the green, i saw the storm, and i went the other way. Now all my friends wish they were me.
I did everything "wrong". Didn't complete my degree, spent years struggling to find a job that would give me a chance with my minimum experience, having a chip on my shoulder because I didn't have a degree like my peers. I had some debt from college, like I said maybe 14K. I went to an in-state school and had a partial scholarship. I wasn't mentally "ready" for college which is why I dropped out. Maybe I will never be.
Today I'm 32, six figure salary. I may have less than $1500 in debt right now, 401K growing at a 6.5% return and have personal savings. Much of my career experience is me working through the years, grinding hard to get to the positions I wanted.
I feel bad for Milleneals that were told to go to school, find your passion, you will be successful. That's not the case. There are some people out there with degrees working wage jobs and unfortunately the biggest failure of the education system is keeping the big secret as to how money works. NO ONE TELLS YOU THAT. You have to learn on your own.
Totally ****ed. Back to the topic of OP though I would need someone financially literate to settle down with. I can't imagine working out of debt again.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew
- GZA "4th Chamber"
05-13-2016, 04:05 PM
-
#287
- benz5521
- Registered User
-
- benz5521
- Registered User
- Join Date: Jan 2008
- Location: New York, United States
- Posts: 12,742
- Rep Power: 84746
-
-
What are her parents like? Do they live above their means? What type of house are they in? Jobs? What do they say about her debt and spending?
Sounds like this girl hasn't broken down her income and expenses to find out exactly where she stands.
Does she have any equity in the car or is she upside down?
Sounds like this girl hasn't broken down her income and expenses to find out exactly where she stands.
Does she have any equity in the car or is she upside down?
05-13-2016, 04:07 PM
-
#288
- ckmiscer
- Registered User
-
- ckmiscer
- Registered User
- Join Date: Aug 2014
- Age: 45
- Posts: 1,718
- Rep Power: 1704
-
-
My buddy married a girl who is $80k in high interest graduate student loan debt and is on income-based repayment.
Dumb cuck is going to pay for that for the rest of his life when she stops working.
Dumb cuck is going to pay for that for the rest of his life when she stops working.
Java Crew
Always Pick 4 Crew
30+ Miscer Crew
Free Balcony Brah Crew
05-13-2016, 04:11 PM
-
#289
- RudeKong
- Registered User
-
- RudeKong
- Registered User
- Join Date: Jul 2010
- Location: United States
- Age: 39
- Posts: 7,505
- Rep Power: 12866
-
-
Originally Posted By sword_⏩
different topic but the parents not the school should be responsible for teaching kids financial literacy. Teachers can preach all the good financial habits till kingdom come but if at home the parents are living beyond their means and don't know the value of a dollar then the kids won't learn chit. Your parents should be teaching you good habits so that you are prepared by the time you are on your own. Mine did and I had 0 student loans out of college without any financial assistance from my parents. Other than a Mortgage I have 0 debt as well.Yep! I had my share of college debt and a car loan. It took a few years to repair that too...most college debt I had was 14K though and I had a 9K car loan but my car is almost paid off. One more payment. Credit score 770 - 790. Not going to let a broad ruin my finances lol
Financial literacy isn't taught in school though. It's like playing a game and learning the rules as you go along.
Financial literacy isn't taught in school though. It's like playing a game and learning the rules as you go along.
Anyway yeah sounds like your gf has terrible spending habits and unless you are willing to help her pay it I would move on OP. Debt that size is not a joke or something you can just look over.
hard to hate on a fellow wings fan but....
i need to cut... badly.
05-13-2016, 04:13 PM
-
#290
My girlfriend was in $15-$20k from college debt and I seriously questioned her priorities in paying it off. Seems like there's a mindset amongst a lot of Americans that 'debt is normal' and paying it off isn't a priority. Of course she wants a nice home, kids etc. and says that stuff is more important than money. Who the fcuk can get a nice home and raise kid without money though? lmao
๐ฎ๐๐๐๐ ๐ ๐๐๐๐๐ถ, ๐๐๐๐๐ ๐๐๐๐๐ ๐ ๐๐๐๐๐
โโโโโโ๐งตMake trolls invisible: https://forum.obnoxiousbrutes.com/showthread.php?t=180234573 โโโโโโ
05-13-2016, 04:14 PM
-
#291
- 1quick1
- wutdafukdidujusaytomeulib
-
- 1quick1
- wutdafukdidujusaytomeulib
- Join Date: Nov 2005
- Age: 42
- Posts: 13,546
- Rep Power: 45904
-
-
Originally Posted By cixelsidCDN⏩
One would think but I'd be willing to bet she has a closet full of clothes, purses and shoes.Well if she's incurred that much debt then logically she lives in a place with a high cost of living.
05-13-2016, 04:15 PM
-
#292
Originally Posted By Polaris⏩
OR she just knows that she'll find some dude to pay it off for her. Genius.This. She is retarded with money, obviously irresponsible and impulsive spender. Do NOT be "captain save a ho" or whatever with this sloot.
๐ฎ๐๐๐๐ ๐ ๐๐๐๐๐ถ, ๐๐๐๐๐ ๐๐๐๐๐ ๐ ๐๐๐๐๐
โโโโโโ๐งตMake trolls invisible: https://forum.obnoxiousbrutes.com/showthread.php?t=180234573 โโโโโโ
05-13-2016, 04:20 PM
-
#293
- zknarc
- Registered User
-
- zknarc
- Registered User
- Join Date: May 2016
- Location: United Kingdom (Great Britain)
- Posts: 16,421
- Rep Power: 44912
-
-
Originally Posted By Luc1fer⏩
Looks traded for security/means. Nothing has changed since Victorian times.OR she just knows that she'll find some dude to pay it off for her. Genius.
If you can't handle me when I'm incel, you don't deserve me when I'm chad
05-13-2016, 04:28 PM
-
#294
- GodlikeDra
- Registered User
-
- GodlikeDra
- Registered User
- Join Date: Feb 2015
- Age: 34
- Posts: 1,008
- Rep Power: 203
-
-
This thread is depressing. I have same amount of debt as the sloot in question, but the biggest purchase I made since I graduated (1yr) was $500...
05-13-2016, 04:33 PM
-
#295
- sword_
- uberschwert
-
- sword_
- uberschwert
- Join Date: May 2005
- Location: Texas, United States
- Posts: 107,635
- Rep Power: 912964
-
-
Originally Posted By RudeKong⏩
My parents tried to prevent me from having debt. My sister has a full ride at West Point so we are good. My parents finances I worry about. Not really debt related just other stuff that happens.different topic but the parents not the school should be responsible for teaching kids financial literacy. Teachers can preach all the good financial habits till kingdom come but if at home the parents are living beyond their means and don't know the value of a dollar then the kids won't learn chit. Your parents should be teaching you good habits so that you are prepared by the time you are on your own. Mine did and I had 0 student loans out of college without any financial assistance from my parents. Other than a Mortgage I have 0 debt as well.
Anyway yeah sounds like your gf has terrible spending habits and unless you are willing to help her pay it I would move on OP. Debt that size is not a joke or something you can just look over.
Anyway yeah sounds like your gf has terrible spending habits and unless you are willing to help her pay it I would move on OP. Debt that size is not a joke or something you can just look over.
A hit was sent, from the President, to raid your residence /
Because you had secret evidence, and documents /
On how they raped the continents, and it's the prominent /
Dominant Islamic, Asiatic Black Hebrew
- GZA "4th Chamber"
05-13-2016, 04:34 PM
-
#296
- miscisBETA
- Registered User
-
- miscisBETA
- Registered User
- Join Date: Apr 2013
- Location: AVP, KABE, Vatican City State
- Age: 37
- Posts: 1,184
- Rep Power: 1516
-
-
Originally Posted By gainmusclefast⏩
shes 109k+ (emphasis on +) in debtso 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?
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?
making 50k I hope she has advancement eligibility in her career
It would take her until she is at least 50-65 to pay that off if you or someone doesn't help her and she doesn't have career advancement.
Nobody would loan to me growing up. Not even for student loans, nothing. I'm now wealthy as fuwark and debt free. If I keep playing my cards right, I'll be loaning money to banks soon.
more motorcycles than your girlfriend has shoes crew
famous in chinatown thanks to baccarat crew
10mpg or less crew
more artificial hormones than bruce jenner crew
faps to bank account balance crew
strippers ask me for lapdances crew
7.62 kickball champion crew
former pro gamers don't get laid crew
05-13-2016, 04:48 PM
-
#297
- pWally
- Glow Connoisseur
-
- pWally
- Glow Connoisseur
- Join Date: Apr 2013
- Location: United States
- Posts: 21,063
- Rep Power: 177182
-
-
Wouldn't even be friends with someone in that much debt
Youthful Glow Connoisseur Crew - Founder and Chief Glow Advisor
Chloe Grace Moretz Appreciation Crew - Founder and Former CEO (Retired)
Always strive to be Inb4 pWally
Witness the beginning. http://forum.obnoxiousbrutes.com/showthread.php?t=171335301&pagenumber=
05-13-2016, 04:48 PM
-
#298
Originally Posted By pWally⏩
Unless she had a youthful glow.Wouldn't even be friends with someone in that much debt
๐ฎ๐๐๐๐ ๐ ๐๐๐๐๐ถ, ๐๐๐๐๐ ๐๐๐๐๐ ๐ ๐๐๐๐๐
โโโโโโ๐งตMake trolls invisible: https://forum.obnoxiousbrutes.com/showthread.php?t=180234573 โโโโโโ
05-13-2016, 04:51 PM
-
#299
- pWally
- Glow Connoisseur
-
- pWally
- Glow Connoisseur
- Join Date: Apr 2013
- Location: United States
- Posts: 21,063
- Rep Power: 177182
-
-
Originally Posted By Luc1fer⏩
Unless she had a youthful glow.
Youthful Glow Connoisseur Crew - Founder and Chief Glow Advisor
Chloe Grace Moretz Appreciation Crew - Founder and Former CEO (Retired)
Always strive to be Inb4 pWally
Witness the beginning. http://forum.obnoxiousbrutes.com/showthread.php?t=171335301&pagenumber=
05-13-2016, 04:55 PM
-
#300
Originally Posted By Luc1fer⏩
It's called the rat race man. Many banks and other businesses( and the owners of these institutions) are getting insanely rich from it. People don't understand how easily it is to get into debt and how hard it can be to get out.My girlfriend was in $15-$20k from college debt and I seriously questioned her priorities in paying it off. Seems like there's a mindset amongst a lot of Americans that 'debt is normal' and paying it off isn't a priority. Of course she wants a nice home, kids etc. and says that stuff is more important than money. Who the fcuk can get a nice home and raise kid without money though? lmao
Bookmarks
-
- Digg
-
- del.icio.us
-
- StumbleUpon
-
-
Posting Permissions
- You may not post new threads
- You may not post replies
- You may not post attachments
- You may not edit your posts