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Forum » Student Loans
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Thread: Student Loans

post 1612496671 08-03-2020, 06:21 PM
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Student Loans

with rent to pay I'm fooked. How'd you do it?
post 1612499681 08-03-2020, 06:50 PM
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  1. Train57
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take more and keep staying in classes
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post 1612500631 08-03-2020, 07:01 PM
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Originally Posted By Train57⏩
take more and keep staying in classes
lol, nice advice
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post 1612500661 08-03-2020, 07:03 PM
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Post deleted by user
post 1612500931 08-03-2020, 07:05 PM
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Don't have poor parents
post 1612501361 08-03-2020, 07:10 PM
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Do a part time job one day a week or a couple hours a day a few times and put all that paycheck as an extra payment, straight off balance. Also, check with nelnet what options you have for payment schedule. You might be able to adjust it for smaller payments for a few years or make your required payments based off of salary.
post 1612502651 08-03-2020, 07:23 PM
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g4p
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post 1612502721 08-03-2020, 07:23 PM
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Make more money
post 1612503121 08-03-2020, 07:28 PM
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I got a real job, didnt waste my money on bull**** after college and did all i could to pay it off ASAP. blows my mind how student loans are such a big topic, yet so many people become victim to them...
post 1612503361 08-03-2020, 07:30 PM
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Originally Posted By jonmcd46⏩
I got a real job, didnt waste my money on bull**** after college and did all i could to pay it off ASAP. blows my mind how student loans are such a big topic, yet so many people become victim to them...
this^^^

Get a degree that gets good jobs, get a job, then pay it of asap. Paid mine off in 2 years
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post 1612503791 08-03-2020, 07:35 PM
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You know they've been deferred to Sept. 30
https://en.wikipedia.org/wiki/American_decline
https://en.wikipedia.org/wiki/Societal_collapse#By_absorption
post 1612525611 08-04-2020, 12:51 AM
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#12
  1. ryan0931
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Originally Posted By NextPound⏩
Check out “you need a budget,“ and prioritize your spending. Pay extra on loans, and if you can refi at better rate do that too.
Ima check that out. It’s pretty much all I need to do. I suck at budgeting

I only took out one 7.5k loan and it has me stressin lol. honestly used most of it to pay off debt from gambling

dropped out and working full time for a tech company.

rent + bills is about 60-70% of my monthly income. I should have plenty to pay this off right if only I can budget

adulting is alright, just a lil bit stressful

I guess some kids who don’t get jobs out of college have it worse than me too
post 1612526021 08-04-2020, 12:57 AM
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#13
  1. ryan0931
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Originally Posted By Train57⏩
take more and keep staying in classes
I dropped lmao

spent 4 years at cc for free, half assing my classes. did good the first year then averaged like 3-6 units a semester

transferred for half a semester n said aw fuk bye
Originally Posted By lnvictus⏩
If you can't pay you can't pay.
How much do you owe and are expected to pay per month?
didn’t set up the payments yet. I’m still enrolled but I’m working on getting them to remove me from the system

I owe 7.5k so not too bad, but my rent + utilities + groceries is 60-70% of my check. not too bad compared to others I guess if I can budget correctly

I’m looking to throw as much as I can each check, I looked at those payment plans for like 30 yrs, fook that
post 1612526291 08-04-2020, 01:02 AM
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What are you going to school for?
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post 1612526381 08-04-2020, 01:04 AM
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Originally Posted By jonmcd46⏩
I got a real job, didnt waste my money on bull**** after college and did all i could to pay it off ASAP. blows my mind how student loans are such a big topic, yet so many people become victim to them...
Originally Posted By dannyg1217⏩
this^^^

Get a degree that gets good jobs, get a job, then pay it of asap. Paid mine off in 2 years
yee mane I think I’m just spending money too carelessly n sometimes on dumb chit
post 1612526461 08-04-2020, 01:05 AM
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Originally Posted By tunafishha⏩
What are you going to school for?
I dropped but comp sci.

now I work full time in software(some hardware+regulatory) quality assurance
post 1612527811 08-04-2020, 01:43 AM
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Tfw no student loans, no debt, bought vehicle in cash, plenty of cash to cover any emergencies that pop up.
Feels good man.
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post 1612528111 08-04-2020, 01:53 AM
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Why don’t you stop being poor?
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post 1612528741 08-04-2020, 02:09 AM
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Originally Posted By IlChosenOne⏩
Why don’t you stop being poor?
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post 1612529091 08-04-2020, 02:18 AM
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g4p
post 1612531091 08-04-2020, 03:16 AM
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Originally Posted By IlChosenOne⏩
Why don’t you stop being poor?
bad habits but I’m trying
post 1612531501 08-04-2020, 03:32 AM
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Pick up another job. Even if its 10 hours, put it strictly to the loans.

A huge reason people "cannot afford to pay" is because they put a cap on how much they should work, or their ego is way too big to take jobs that are "less than them." Pick up a job washing dishes or chit. Minimum wage is $12/hr in CA. 40 hours a month doing that, and that's ~$400 after tax. Certainly that can leave you with money that you can save. Pay 3 months of minimum payments in advance, and then use the next 3 months to save and rip off a massive chunk of the student loan.

$7500 in student loans is about as close to nothing as it gets.
Hi
post 1612531601 08-04-2020, 03:34 AM
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My kinda dim but plays retarded for the sympathy from friends sister received 5500 a month And her art school debt was forgiven. She still expects handouts.
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post 1612533021 08-04-2020, 04:35 AM
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*angry Dave Ramsey noises*
post 1612539481 08-04-2020, 07:06 AM
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Originally Posted By ryan0931⏩
with rent to pay I'm fooked. How'd you do it?
Work during school, pay what you can, go to a state college

College is cheap as **** in America. If you have a large amount of loans then you should have a high paying job to knock them out. I have 22k left I pay $900 a month right now but about to bump that up to $2k
post 1612539641 08-04-2020, 07:09 AM
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Pay the absolute bare minimum. Get on an income driven repayment plan or call your lender and ask for a COVID forbearance.

Just wait for this **** to implode and Congress to be forced to enact loan forgiveness
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post 1612540301 08-04-2020, 07:20 AM
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#27
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For my American brahs here, what do your loans look like?

I was in Europe a few years back at a conference and met a post-doc from the US. He was mentioning how his student loans were 500,000$. I couldn't believe what I was hearing.
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post 1612596231 08-04-2020, 05:46 PM
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Originally Posted By lnvictus⏩
How in the hell are you not able to afford things with a job in IT?
I was on an internship for a year then got a good raise.

asked for full time but they translated my hourly pay into annual salary. so not much for “IT”. 50k/year. Still should be more than enough to pay but thinking about bills/rent just throws me OFF n Idk how to budget then
Originally Posted By lightsarefallin⏩
For my American brahs here, what do your loans look like?

I was in Europe a few years back at a conference and met a post-doc from the US. He was mentioning how his student loans were 500,000$. I couldn't believe what I was hearing.
that’s fooken wild. I mean they gave 7.5k for the year so times 4 is 30k on average I guess
post 1612632261 08-05-2020, 04:48 AM
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#29
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Originally Posted By ryan0931⏩
I was on an internship for a year then got a good raise.

asked for full time but they translated my hourly pay into annual salary. so not much for “IT”. 50k/year. Still should be more than enough to pay but thinking about bills/rent just throws me OFF n Idk how to budget then



that’s fooken wild. I mean they gave 7.5k for the year so times 4 is 30k on average I guess
That's sort of comparable to here then. I still don't understand how anyone would think putting 50k a year into a B.A. is somehow a good investment. American university culture brainwashing of peace and prosperity. One of the largest scams of humanity, next to religion.
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post 1612632921 08-05-2020, 05:12 AM
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i will never forget

i had just graduated college and got first job. Making decent money bought a house. Was at my parents house talking to family members in the kitchen about this same question. Asking how in the world can i pay all these bills, and in the background my dad was cracking up at me. Now I look back and just laugh.
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