Current Events > I just realized how much cancer student loan debt really is

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Vermander 09/12/18 10:03:04 PM #51:	silentwing26x posted... Dragonblade01 posted... silentwing26x posted... Dragonblade01 posted... silentwing26x posted... Vermander posted... FightingGames posted... 50k debt for a 30k income? So this is the power of higher education Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job. So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it. You can both fuck up and be subject to an awful system. Not to mention that the system in question encourages fuck ups. Nah, you have to basically not give a shit to fuck up this bad. All you really need to do to fall into this trap is not suspect that most people around you giving advice in your early life are lying or wrong. Sure, once you're in the situation, the only choice you have atm is to claw yourself out, but that doesn't change the fact that our society encourages the situation whether it realizes it or not. Nope. TC just never gave a shit about thinking about finances. That's why his first thought after landing that 30k job was to finance a new car. TC needs personal responsibility, not leftist excuses for how the system made him do something. Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908634345] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>FightingGames posted...</cite> <quote>50k debt for a 30k income? So this is the power of higher education</quote> Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job.</quote> So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it.</quote> You can both fuck up and be subject to an awful system. Not to mention that the system in question encourages fuck ups.</quote> Nah, you have to basically not give a shit to fuck up this bad.</quote> All you really need to do to fall into this trap is not suspect that most people around you giving advice in your early life are lying or wrong. Sure, once you're in the situation, the only choice you have atm is to claw yourself out, but that doesn't change the fact that our society encourages the situation whether it realizes it or not.</quote> Nope. TC just never gave a shit about thinking about finances. That's why his first thought after landing that 30k job was to finance a new car. TC needs personal responsibility, not leftist excuses for how the system made him do something.</quote> Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:05:04 PM #52:	Dragonblade01 posted... Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible. the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically. <cite>silentwing26x posted [p:908634465] in I just rea... [t:76995851]...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible.</quote> the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:05:14 PM #53:	silentwing26x posted... Vermander posted... Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt. You should've gotten a car with 70k miles on it and drove it for a few years. Not a goddam brand new car when you're only making 30k. Its not brand new, its only a 16. Last time I did that I bought the car, drove it for 3. My logic currently is driving my civic for 10 years and paying it off in 2.5. That is 7 years I can sink into student loan debt. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908634473] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote>Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt.</quote> You should've gotten a car with 70k miles on it and drove it for a few years. Not a goddam brand new car when you're only making 30k.</quote> Its not brand new, its only a 16. Last time I did that I bought the car, drove it for 3. My logic currently is driving my civic for 10 years and paying it off in 2.5. That is 7 years I can sink into student loan debt.</quote> ... Copied to Clipboard!
bkkorps 09/12/18 10:06:35 PM #54:	Vermander posted... Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt. dude, you are poor. refusing to accept that fact is just going to make your life harder. you can get through this and start to succeed in life, but its going to take hard work and sacrifice. --- Minnesota is like having sex in The Boundary Waters. ****ing close to Canada. <cite>bkkorps posted [p:908634562] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote>Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt.</quote> dude, you are poor. refusing to accept that fact is just going to make your life harder. you can get through this and start to succeed in life, but its going to take hard work and sacrifice.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:06:45 PM #55:	Vermander posted... Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt. youre living like you are in poverty already, due to your ridiculous car and shitty loans. making debt elimination your top priority wont make you poorer, it will make you richer. <cite>silentwing26x posted [p:908634573] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote>Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt.</quote> youre living like you are in poverty already, due to your ridiculous car and shitty loans. making debt elimination your top priority wont make you poorer, it will make you richer.</quote> ... Copied to Clipboard!
_Rinku_ 09/12/18 10:07:33 PM #56:	bkkorps posted... Vermander posted... I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt. protip, dont buy new cars when you are so deep in debt. Okay, so, neat thing: Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. In my country, the US, you absolutely need a car unless you live in a city with a fantastic transit system. Even for crappy retail jobs, nearly every application asked if you had "reliable transportation" which, in the vast majority of cities without public transit, means "Do you have a car?" <cite>_Rinku_ posted [p:908634622] in I just rea... [t:76995851]...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote>I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt.</quote> protip, dont buy new cars when you are so deep in debt.</quote> Okay, so, neat thing: Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. In my country, the US, you absolutely need a car unless you live in a city with a fantastic transit system. Even for crappy retail jobs, nearly every application asked if you had "reliable transportation" which, in the vast majority of cities without public transit, means "Do you have a car?"</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:08:56 PM #57:	silentwing26x posted... Dragonblade01 posted... Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible. the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically. There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908634718] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible.</quote> the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically.</quote> There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase.</quote> ... Copied to Clipboard!
Dragonblade01 09/12/18 10:09:17 PM #58:	silentwing26x posted... Dragonblade01 posted... Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible. the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically. No, not everyone would fall into the trap. That's ridiculous. You're absolutely kidding yourself if you think American society hasn't pushed college education as a career necessity, to the extent where people are willing to shoulder large debt for it. It's amazing to me that you think recognizing such an obvious issue is akin to nannyism. <cite>Dragonblade01 posted [p:908634738] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible.</quote> the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically.</quote> No, not everyone would fall into the trap. That's ridiculous. You're absolutely kidding yourself if you think American society hasn't pushed college education as a career necessity, to the extent where people are willing to shoulder large debt for it. It's amazing to me that you think recognizing such an obvious issue is akin to nannyism.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:10:29 PM #59:	_Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. <cite>silentwing26x posted [p:908634831] in I just rea... [t:76995851]...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:11:17 PM #60:	silentwing26x posted... Vermander posted... Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt. youre living like you are in poverty already, due to your ridiculous car and shitty loans. making debt elimination your top priority wont make you poorer, it will make you richer. I eat well, excercise, have a little money to enjoy myself on the weekend. Its not like literal poverty when I was 5 and basically didnt get to eat dinner. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908634887] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote>Ive owned up to the mistakes I made 6-7 years ago with student loans, but I just have to make an effort that do what I can for now. I refuse to live like I am in poverty for student loan debt.</quote> youre living like you are in poverty already, due to your ridiculous car and shitty loans. making debt elimination your top priority wont make you poorer, it will make you richer.</quote> I eat well, excercise, have a little money to enjoy myself on the weekend. Its not like literal poverty when I was 5 and basically didnt get to eat dinner.</quote> ... Copied to Clipboard!
Damn_Underscore 09/12/18 10:11:57 PM #61:	I think there's enough of a "you don't have to go to college" message on the internet today to have significant impact on people's decisions. Absolutely the message outside the internet is still "you have to go to college" though. --- Shenmue II = best game of all time Shenmue = 2nd best game of all time <cite>Damn_Underscore posted [p:908634930] in I just rea... [t:76995851]...</cite> <quote>I think there's enough of a "you don't have to go to college" message on the internet today to have significant impact on people's decisions. Absolutely the message outside the internet is still "you have to go to college" though.</quote> ... Copied to Clipboard!
bkkorps 09/12/18 10:12:09 PM #62:	_Rinku_ posted... bkkorps posted... Vermander posted... I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt. protip, dont buy new cars when you are so deep in debt. Okay, so, neat thing: Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. In my country, the US, you absolutely need a car unless you live in a city with a fantastic transit system. Even for crappy retail jobs, nearly every application asked if you had "reliable transportation" which, in the vast majority of cities without public transit, means "Do you have a car?" you can find very cheap, serviceable cars for less than $5k that dont require a ridiculous amount of upkeep. and if you actually understand the math, no the $300/mo payment is not cheaper. --- Minnesota is like having sex in The Boundary Waters. ****ing close to Canada. <cite>bkkorps posted [p:908634939] in I just rea... [t:76995851]...</cite> <quote><cite>_Rinku_ posted...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote>I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt.</quote> protip, dont buy new cars when you are so deep in debt.</quote> Okay, so, neat thing: Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. In my country, the US, you absolutely need a car unless you live in a city with a fantastic transit system. Even for crappy retail jobs, nearly every application asked if you had "reliable transportation" which, in the vast majority of cities without public transit, means "Do you have a car?"</quote> you can find very cheap, serviceable cars for less than $5k that dont require a ridiculous amount of upkeep. and if you actually understand the math, no the $300/mo payment is not cheaper.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:12:42 PM #63:	Vermander posted... silentwing26x posted... Dragonblade01 posted... Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible. the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically. There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase. it's that much because some people like you over decades made bad choices. what is your interest rate on the loans? you should be making dents to the principal even with the minimum. and no, youre not listening. you dont need to live terribly until youre 40. all you need to do is stop making stupid fucking decisions like a $300 car payment and for the next two years no fancy vacations, no wasting money eating out instead of cooking, etc, while you clean up your mess like a responsible adult <cite>silentwing26x posted [p:908634984] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible.</quote> the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically.</quote> There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase.</quote> it's that much because some people like you over decades made bad choices. what is your interest rate on the loans? you should be making dents to the principal even with the minimum. and no, youre not listening. you dont need to live terribly until youre 40. all you need to do is stop making stupid fucking decisions like a $300 car payment and for the next two years no fancy vacations, no wasting money eating out instead of cooking, etc, while you clean up your mess like a responsible adult</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:12:45 PM #64:	silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908634988] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months.</quote> ... Copied to Clipboard!
Dragonblade01 09/12/18 10:13:42 PM #65:	Damn_Underscore posted... I think there's enough of a "you don't have to go to college" message on the internet today to have significant impact on people's decisions. Absolutely the message outside the internet is still "you have to go to college" though. Hopefully it's strong enough that current and subsequent generations have less of an issue with student loan debt. <cite>Dragonblade01 posted [p:908635038] in I just rea... [t:76995851]...</cite> <quote><cite>Damn_Underscore posted...</cite> <quote>I think there's enough of a "you don't have to go to college" message on the internet today to have significant impact on people's decisions. Absolutely the message outside the internet is still "you have to go to college" though.</quote> Hopefully it's strong enough that current and subsequent generations have less of an issue with student loan debt.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:14:37 PM #66:	TC must be a troll tbqh, im done here <cite>silentwing26x posted [p:908635091] in I just rea... [t:76995851]...</cite> <quote>TC must be a troll tbqh, im done here</quote> ... Copied to Clipboard!
bkkorps 09/12/18 10:14:53 PM #67:	Vermander posted... silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months. thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation. --- Minnesota is like having sex in The Boundary Waters. ****ing close to Canada. <cite>bkkorps posted [p:908635105] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months.</quote> thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:16:21 PM #68:	silentwing26x posted... Vermander posted... silentwing26x posted... Dragonblade01 posted... Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible. the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically. There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase. it's that much because some people like you over decades made bad choices. what is your interest rate on the loans? you should be making dents to the principal even with the minimum. and no, youre not listening. you dont need to live terribly until youre 40. all you need to do is stop making stupid fucking decisions like a $300 car payment and for the next two years no fancy vacations, no wasting money eating out instead of cooking, etc, while you clean up your mess like a responsible adult I literally just explained to you how it is mathematically impossible to pay that debt off in two years, and a $300 monthly car payment wouldnt even budge numbers like that. $700 a month would already be a literal third of my income going to loans, and as discussed previous about $450 of thar would go the balance. That is still like 7 years of that kind of a payment. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908635200] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>Personal responsibility is important. Buying a new car was clearly a bad idea. But ignoring a system that encourages these poor decisions is equally irresponsible.</quote> the system is freedom, IE where adults are free to engage in transactions and plot their own future. don't try to peddle any nannyism bullshit, i see that shit coming from a mile away if it was the system, everyone would fall into this trap. but tens of millions dont because theyre smart enough to live intentionally and think critically.</quote> There is 1.5 trillion of debt, clearly many are falling into it. As I said I am not complaining about the debt itself. I am complaining that the interest means I will have to sink $700 minimum per month to make any noticeable damage. Unless I want to live my life miserably until I am 40, its going to take awhile to pay that off. Good news is I am not having kids so even if I die in debt there will be nobody for them to chase.</quote> it's that much because some people like you over decades made bad choices. what is your interest rate on the loans? you should be making dents to the principal even with the minimum. and no, youre not listening. you dont need to live terribly until youre 40. all you need to do is stop making stupid fucking decisions like a $300 car payment and for the next two years no fancy vacations, no wasting money eating out instead of cooking, etc, while you clean up your mess like a responsible adult</quote> I literally just explained to you how it is mathematically impossible to pay that debt off in two years, and a $300 monthly car payment wouldnt even budge numbers like that. $700 a month would already be a literal third of my income going to loans, and as discussed previous about $450 of thar would go the balance. That is still like 7 years of that kind of a payment.</quote> ... Copied to Clipboard!
TommyG663513 09/12/18 10:17:54 PM #69:	DarkTransient posted... southcoast09 posted... You guys took out structured loans, as adults. I know that it must suck, but a college degree is not something that everybody is entitled to. You either have to work your ass off or pay a lot of money. Now that obama has had eight years of handing out degrees, a college diploma is basically the same thing as a high school diploma: it looks good, but unless you have a very specific degree, then youre stuck applying to the same jobs that the rest of us are. The difference is that we didnt waste four years and all that money. We already have the job experience, so degree or not, we are going to be your boss because of seniority. This, minus the specifically blaming Obama. Yes, the system's shit, but literally nothing is forcing you to go into it. Vermander posted... Dragonblade01 posted... The problem is the entire education system in America pressures individuals into going to college, regardless of what they would study and and even at the cost of taking on massive debt. This. It also specifically targets 18 year olds with no financial sense who at best might have held a part time job at fast food restaurant. These. If a significant portion of the population are experiencing a problem then it is much bigger than individuals making poor financial decisions. They are being influenced towards that path. It is a societal problem that is only getting worse. College is more expensive than ever and keeps getting more expensive. A college degree is now worth less than it ever has been. These things are not accidents. It is a result of schools being driven by profits at the expense of students. Money over education. If only I was a baby boomer who went to college in the late 70's. I could work at UPS while going to school and make 3X the minimum wage and be able to easily pay off school then have significantly better job prospects once I receive that degree. --- just tell them all your base doesn't belong to us because we were getting stoned...they'll understand-Ken156 <cite>TommyG663513 posted [p:908635303] in I just rea... [t:76995851]...</cite> <quote><cite>DarkTransient posted...</cite> <quote><cite>southcoast09 posted...</cite> <quote>You guys took out structured loans, as adults. I know that it must suck, but a college degree is not something that everybody is entitled to. You either have to work your ass off or pay a lot of money. Now that obama has had eight years of handing out degrees, a college diploma is basically the same thing as a high school diploma: it looks good, but unless you have a very specific degree, then youre stuck applying to the same jobs that the rest of us are. The difference is that we didnt waste four years and all that money. We already have the job experience, so degree or not, we are going to be your boss because of seniority.</quote> This, minus the specifically blaming Obama. Yes, the system's shit, but literally nothing is forcing you to go into it.</quote> <cite>Vermander posted...</cite> <quote><cite>Dragonblade01 posted...</cite> <quote>The problem is the entire education system in America pressures individuals into going to college, regardless of what they would study and and even at the cost of taking on massive debt.</quote> This. It also specifically targets 18 year olds with no financial sense who at best might have held a part time job at fast food restaurant.</quote> These. If a significant portion of the population are experiencing a problem then it is much bigger than individuals making poor financial decisions. They are being influenced towards that path. It is a societal problem that is only getting worse. College is more expensive than ever and keeps getting more expensive. A college degree is now worth less than it ever has been. These things are not accidents. It is a result of schools being driven by profits at the expense of students. Money over education. If only I was a baby boomer who went to college in the late 70's. I could work at UPS while going to school and make 3X the minimum wage and be able to easily pay off school then have significantly better job prospects once I receive that degree.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:18:45 PM #70:	bkkorps posted... Vermander posted... silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months. thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation. Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car? --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908635357] in I just rea... [t:76995851]...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months.</quote> thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation.</quote> Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car?</quote> ... Copied to Clipboard!
cawmaster5 09/12/18 10:22:02 PM #71:	i've only got 15k in debt but i still feel the dread every month --- Indy Colts: OSU Buckeyes: <cite>cawmaster5 posted [p:908635541] in I just rea... [t:76995851]...</cite> <quote>i've only got 15k in debt but i still feel the dread every month</quote> ... Copied to Clipboard!
bkkorps 09/12/18 10:23:52 PM #72:	Vermander posted... bkkorps posted... Vermander posted... silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months. thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation. Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car? yes, you should have a mechanic do a once over on any used car you plan on buying. I am not sure why you think that is some kind of fantasy option (though the actual process isnt what you are imagining). and no, they dont need to catch everything that might break on the car, but for quite cheap they can check the big ticket items that could end up costing you $2k down the road. minor items that dont impact the drivability/safety of the car do not necessarily need to be fixed, particularly when you are so far into the hole in debt. the purpose of this car isnt to drive it for the rest of your life. the purpose of this car is to bridge the gap between the terrible situation you are currently in and the much better situation you will be in when you pay off your debt in a few years. meanwhile that $4k car will be worth about $3k a few years from now. meanwhile your new car that you bought will lose 2/3 of its value over that same period of time. --- Minnesota is like having sex in The Boundary Waters. ****ing close to Canada. <cite>bkkorps posted [p:908635656] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months.</quote> thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation.</quote> Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car?</quote> yes, you should have a mechanic do a once over on any used car you plan on buying. I am not sure why you think that is some kind of fantasy option (though the actual process isnt what you are imagining). and no, they dont need to catch everything that might break on the car, but for quite cheap they can check the big ticket items that could end up costing you $2k down the road. minor items that dont impact the drivability/safety of the car do not necessarily need to be fixed, particularly when you are so far into the hole in debt. the purpose of this car isnt to drive it for the rest of your life. the purpose of this car is to bridge the gap between the terrible situation you are currently in and the much better situation you will be in when you pay off your debt in a few years. meanwhile that $4k car will be worth about $3k a few years from now. meanwhile your new car that you bought will lose 2/3 of its value over that same period of time.</quote> ... Copied to Clipboard!
_Rinku_ 09/12/18 10:24:05 PM #73:	silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. 1) I tried doing just that. Every dealership turned me down and said I would "need to finance a newer car." This was while looking at non-luxury, 2008-2012 mid-size sedans. 2) The $5k is the slightly older car you're buying, not the POS hooptie you're trying to get rid of. For example: my current vehicle has a KBB of about $300 and is almost old enough to vote. It is a piece of garbage hooptie that functions as a means to somewhat safely get from point A to point B. My sentimentality towards it (and utter cheapness) has resulted in me holding onto it far longer than I should have. I'd love to find a way to finance a slightly older car, but none of the dealerships around here will play ball. I legtimately don't want to own a new car (if I could have an identical version of my current car with a third of the miles, I'd jump on it). I've considered leasing, as it seems to be cheaper, but still I hold on to my garbage car that I've had since I got my license. And I have that luxury of it being a choice for me. Some people aren't so lucky and need to drive unreliable cars. <cite>_Rinku_ posted [p:908635667] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> 1) I tried doing just that. Every dealership turned me down and said I would "need to finance a newer car." This was while looking at non-luxury, 2008-2012 mid-size sedans. 2) The $5k is the slightly older car you're buying, not the POS hooptie you're trying to get rid of. For example: my current vehicle has a KBB of about $300 and is almost old enough to vote. It is a piece of garbage hooptie that functions as a means to somewhat safely get from point A to point B. My sentimentality towards it (and utter cheapness) has resulted in me holding onto it far longer than I should have. I'd love to find a way to finance a slightly older car, but none of the dealerships around here will play ball. I legtimately don't want to own a new car (if I could have an identical version of my current car with a third of the miles, I'd jump on it). I've considered leasing, as it seems to be cheaper, but still I hold on to my garbage car that I've had since I got my license. And I have that luxury of it being a choice for me. Some people aren't so lucky and need to drive unreliable cars.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:30:28 PM #74:	bkkorps posted... Vermander posted... bkkorps posted... Vermander posted... silentwing26x posted... _Rinku_ posted... Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels. dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month. Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months. thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation. Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car? yes, you should have a mechanic do a once over on any used car you plan on buying. I am not sure why you think that is some kind of fantasy option (though the actual process isnt what you are imagining). and no, they dont need to catch everything that might break on the car, but for quite cheap they can check the big ticket items that could end up costing you $2k down the road. minor items that dont impact the drivability/safety of the car do not necessarily need to be fixed, particularly when you are so far into the hole in debt. the purpose of this car isnt to drive it for the rest of your life. the purpose of this car is to bridge the gap between the terrible situation you are currently in and the much better situation you will be in when you pay off your debt in a few years. meanwhile that $4k car will be worth about $3k a few years from now. meanwhile your new car that you bought will lose 2/3 of its value over that same period of time. Last time I financed a vehicle I bought my Buick Lucerne for 6k. 4 years later it was worth like 2k trade in and 3k if I did repair work to it. Maybe it was just a poor choice in brand but the whole used car situation has never brought me anything but grief. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908636008] in I just rea... [t:76995851]...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>bkkorps posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>_Rinku_ posted...</cite> <quote>Most dealerships/banks won't let you finance cars that are more than a few years old. From my experience, this means that anything older than, say, seven years can't be financed and has to be paid in full. Even with a cheap older car, it can be extremely difficult to collect that entire amount and pay it at once... especially when you're driving a car that constantly needs work done (because it's old and needs to be replaced). It's often "cheaper" to pay $300/month towards a car than to try to accumulate $5k while driving a POS hooptie that needs work every other month. See also: people who can't afford an apartment and instead have to live in extended stay hotels.</quote> dude wtf are you even blabbering about? you can finance older cars, usually at a higher interest rate. unless it's really old and you have no job you can find dealers thatll finance a car. and his car is 2016. and a 5k car is not a pos hooptie that needs work every month.</quote> Any car you are paying 5k for may not immediately need work but will need work in the next year. A buddy of mine got a new car for 4k and he literally has had to sink another 2k into it and has only owned it 3 months.</quote> thats why you dont buy bad cars. your scenario is anecdote, not rule. meanwhile, you buy a new car and a year later you are $2k or more underwater due to the depreciation.</quote> Okay, so your solution is I walk to any used lot/private owner, basically ask them to give me the keys so I can drive to an auto shop, have them put it up on a lift, and determine every single article that might go wrong on a car?</quote> yes, you should have a mechanic do a once over on any used car you plan on buying. I am not sure why you think that is some kind of fantasy option (though the actual process isnt what you are imagining). and no, they dont need to catch everything that might break on the car, but for quite cheap they can check the big ticket items that could end up costing you $2k down the road. minor items that dont impact the drivability/safety of the car do not necessarily need to be fixed, particularly when you are so far into the hole in debt. the purpose of this car isnt to drive it for the rest of your life. the purpose of this car is to bridge the gap between the terrible situation you are currently in and the much better situation you will be in when you pay off your debt in a few years. meanwhile that $4k car will be worth about $3k a few years from now. meanwhile your new car that you bought will lose 2/3 of its value over that same period of time.</quote> Last time I financed a vehicle I bought my Buick Lucerne for 6k. 4 years later it was worth like 2k trade in and 3k if I did repair work to it. Maybe it was just a poor choice in brand but the whole used car situation has never brought me anything but grief.</quote> ... Copied to Clipboard!
TheBiggerWiggle 09/12/18 10:31:44 PM #75:	Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house. --- I have trouble concentrating because I have 80HD. <cite>TheBiggerWiggle posted [p:908636079] in I just rea... [t:76995851]...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house.</quote> ... Copied to Clipboard!
_Rinku_ 09/12/18 10:33:14 PM #76:	bkkorps posted... and if you actually understand the math, no the $300/mo payment is not cheaper. I think you are the one who doesn't understand here. I put cheaper in quotes for a reason. It is cheaper in the short term to just pay $300/month for reliable car than to try to save $5k while driving a car that is in dire need of repairs. Notice my note to compare this with apartments and extended stay hotels. Many poor families can't save up the initial costs of an apartment (first and last month's rent + security deposit at minimum for most places) while living somewhere (which, they have to do). So, instead, they stay at an extended stay hotel where, yeah, it costs more a month than rent at an apartment would, but they don't require it to be paid upfront. Plenty of people can scrape together $200 week for that first week and just live paycheck-to-paycheck after that. It is far more difficult to even attempt to save towards anything that requires a downpayment while living anywhere. Keep in mind that not everyone has the luxury of living with family to save up money in the meantime. <cite>_Rinku_ posted [p:908636155] in I just rea... [t:76995851]...</cite> <quote><cite>bkkorps posted...</cite> <quote>and if you actually understand the math, no the $300/mo payment is not cheaper.</quote> I think you are the one who doesn't understand here. I put cheaper in quotes for a reason. It is cheaper in the short term to just pay $300/month for reliable car than to try to save $5k while driving a car that is in dire need of repairs. Notice my note to compare this with apartments and extended stay hotels. Many poor families can't save up the initial costs of an apartment (first and last month's rent + security deposit at minimum for most places) while living somewhere (which, they have to do). So, instead, they stay at an extended stay hotel where, yeah, it costs more a month than rent at an apartment would, but they don't require it to be paid upfront. Plenty of people can scrape together $200 week for that first week and just live paycheck-to-paycheck after that. It is far more difficult to even attempt to save towards anything that requires a downpayment while living anywhere. Keep in mind that not everyone has the luxury of living with family to save up money in the meantime.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:34:32 PM #77:	TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house. Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908636238] in I just rea... [t:76995851]...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house.</quote> Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest.</quote> ... Copied to Clipboard!
The Great Muta 22 09/12/18 10:37:48 PM #78:	silentwing26x posted... TC must be a troll tbqh, im done here You should say that in reference to the entire site tbqh --- https://www.youtube.com/watch?v=MXezjbuzh14 <cite>The Great Muta 22 posted [p:908636413] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote>TC must be a troll tbqh, im done here</quote> You should say that in reference to the entire site tbqh</quote> ... Copied to Clipboard!
TheBiggerWiggle 09/12/18 10:39:43 PM #79:	Vermander posted... TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house. Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest. I think around 58K. I don't even check anymore cause it makes me depressed lol. 300 goes to federal loans. 50 goes to a loan my dad co-signed for. Another 250 goes to a super predatory loan I was suckered into. I'm going to refinance the last once my car is paid off (like 18 months). --- I have trouble concentrating because I have 80HD. <cite>TheBiggerWiggle posted [p:908636510] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house.</quote> Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest.</quote> I think around 58K. I don't even check anymore cause it makes me depressed lol. 300 goes to federal loans. 50 goes to a loan my dad co-signed for. Another 250 goes to a super predatory loan I was suckered into. I'm going to refinance the last once my car is paid off (like 18 months).</quote> ... Copied to Clipboard!
_Rinku_ 09/12/18 10:41:14 PM #80:	TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult. <cite>_Rinku_ posted [p:908636580] in I just rea... [t:76995851]...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering:</quote> So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:42:03 PM #81:	TheBiggerWiggle posted... Vermander posted... TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house. Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest. I think around 58K. I don't even check anymore cause it makes me depressed lol. 300 goes to federal loans. 50 goes to a loan my dad co-signed for. Another 250 goes to a super predatory loan I was suckered into. I'm going to refinance the last once my car is paid off (like 18 months). I dont even worry about paying them off, as much as will trying to do so hurt retirement. I still havent more money in the bank than my girlfriend at least. ($5) --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908636622] in I just rea... [t:76995851]...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: 1. Just about every kid is taught the best/only path to success is through college 2. Virtually no high schools prep kids for 'the real world.' Graduates can explain why Eli Whitney is famous but don't have a full understanding of taxes or loans. It's bull shit. 3. Colleges have taken advantage of these things (and federal loans) and drastically increased their prices. Anyway, I know your pain TC. I pay about 600 a month, yet my principle only drops about 80-90 a month. It really limits my chances of ever buying a house.</quote> Yuck, that sounds even worse than me. How much do you owe? I am hoping with my new bump I can at least knock out 500 a month. Its progress at least, and the lower the premium the lower the interest.</quote> I think around 58K. I don't even check anymore cause it makes me depressed lol. 300 goes to federal loans. 50 goes to a loan my dad co-signed for. Another 250 goes to a super predatory loan I was suckered into. I'm going to refinance the last once my car is paid off (like 18 months).</quote> I dont even worry about paying them off, as much as will trying to do so hurt retirement. I still havent more money in the bank than my girlfriend at least. ($5) </quote> ... Copied to Clipboard!
_____Cait 09/12/18 10:43:15 PM #82:	Well, good news is, Devos just lost her case and there will be a hearing on Friday as to whether students can get their defense to repayment going. --- ORAS secret base: https://imgur.com/V9nAVrd 3DS friend code: 0173-1465-1236 <cite>_____Cait posted [p:908636694] in I just rea... [t:76995851]...</cite> <quote>Well, good news is, Devos just lost her case and there will be a hearing on Friday as to whether students can get their defense to repayment going.</quote> ... Copied to Clipboard!
Vermander 09/12/18 10:43:45 PM #83:	_Rinku_ posted... TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult. This. If I am being honest I dont think I got my real adult sense till 21. Better financial decisions since then are the reason I can even get approved for a nice car, something unheard of years ago. I am kind of angry I dont have my forgiveness program anymore. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908636726] in I just rea... [t:76995851]...</cite> <quote><cite>_Rinku_ posted...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering:</quote> So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult.</quote> This. If I am being honest I dont think I got my real adult sense till 21. Better financial decisions since then are the reason I can even get approved for a nice car, something unheard of years ago. I am kind of angry I dont have my forgiveness program anymore.</quote> ... Copied to Clipboard!
sktgamer_13dude 09/12/18 10:49:57 PM #84:	silentwing26x posted... TC you need to change jobs for more pay and try to get rid of the new car. You have to hit this debt hard. You can clean it up within two years easily. 1) you say like it's easy to "just get a new job" 2) you don't get rid of 50k debt in "two years easily" --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's #DI4B <cite>sktgamer_13dude posted [p:908637068] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote>TC you need to change jobs for more pay and try to get rid of the new car. You have to hit this debt hard. You can clean it up within two years easily.</quote> 1) you say like it's easy to "just get a new job" 2) you don't get rid of 50k debt in "two years easily"</quote> ... Copied to Clipboard!
TheBiggerWiggle 09/12/18 10:51:39 PM #85:	_Rinku_ posted... TheBiggerWiggle posted... Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering: So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult. All valid points too. In fact, now that I think about I'm pretty sure I was 17 when I finalized my decision for college. I also agree with TC that in hindsight I don't really think I became an adult until my early 20's. I think most would agree with that. --- I have trouble concentrating because I have 80HD. <cite>TheBiggerWiggle posted [p:908637142] in I just rea... [t:76995851]...</cite> <quote><cite>_Rinku_ posted...</cite> <quote><cite>TheBiggerWiggle posted...</cite> <quote>Too much victim blaming ITT. It's borderline [redacted] to blame an 18 year old for going to college and accumulating student loans. Especially considering:</quote> So, something I feel that doesn't get addressed enough in these discussions: I wasn't 18 when I made my decision of where to go to college. I was 17 when I got the letter that demanded a response before Christmas if I wanted to secure my place there. This had been hyped up by everyone I knew for my entire life as "the correct path," so of course I made my decision accordingly. In addition, I was 16 when I started filling out applications and taking the ACT. All of this ignoring that about half of my graduating class had yet to turn 18 by the time of the ceremony (read: about half a year to late to check yes on your acceptance letter). Also, there's not some magical switch that flips when you turn 18 and makes you a super rational, responsible adult.</quote> All valid points too. In fact, now that I think about I'm pretty sure I was 17 when I finalized my decision for college. I also agree with TC that in hindsight I don't really think I became an adult until my early 20's. I think most would agree with that.</quote> ... Copied to Clipboard!
sktgamer_13dude 09/12/18 10:54:55 PM #86:	@silentwing26x posted... TC must be a troll tbqh, im done here Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod. --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's #DI4B <cite>sktgamer_13dude posted [p:908637346] in I just rea... [t:76995851]...</cite> <quote><cite>@silentwing26x posted...</cite> <quote>TC must be a troll tbqh, im done here</quote> Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod.</quote> ... Copied to Clipboard!
LightningAce11 09/12/18 10:55:21 PM #87:	Student loans in Australia are thankfully done better. You only start repaying the debt once you make above a certain income, in this case it's about 51,000 a year. https://www.hrblock.com.au/tax-tips/understanding-hecs-help --- "I'm an atheist too but still believe in hell. That's where you're headed pal." - Mr_Karate_II <cite>LightningAce11 posted [p:908637366] in I just rea... [t:76995851]...</cite> <quote>Student loans in Australia are thankfully done better. You only start repaying the debt once you make above a certain income, in this case it's about 51,000 a year. https://www.hrblock.com.au/tax-tips/understanding-hecs-help</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 10:56:12 PM #88:	sktgamer_13dude posted... @silentwing26x posted... TC must be a troll tbqh, im done here Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod. If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative <cite>silentwing26x posted [p:908637416] in I just rea... [t:76995851]...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote><cite>@silentwing26x posted...</cite> <quote>TC must be a troll tbqh, im done here</quote> Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod.</quote> If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative</quote> ... Copied to Clipboard!
Vermander 09/12/18 11:01:53 PM #89:	silentwing26x posted... sktgamer_13dude posted... @silentwing26x posted... TC must be a troll tbqh, im done here Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod. If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative I am actually a security admin already. The thing about it is I live in an area where average income is much lower. So doing the same thing I am doing now in say... Arizona would give me 45k or so. If you want to get down to the gritty of it, I actually make 39k. I just take home about 30 of that. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908637748] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote><cite>@silentwing26x posted...</cite> <quote>TC must be a troll tbqh, im done here</quote> Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod.</quote> If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative</quote> I am actually a security admin already. The thing about it is I live in an area where average income is much lower. So doing the same thing I am doing now in say... Arizona would give me 45k or so. If you want to get down to the gritty of it, I actually make 39k. I just take home about 30 of that.</quote> ... Copied to Clipboard!
sktgamer_13dude 09/12/18 11:03:30 PM #90:	You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's #DI4B <cite>sktgamer_13dude posted [p:908637835] in I just rea... [t:76995851]...</cite> <quote>You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 11:04:43 PM #91:	Vermander posted... silentwing26x posted... sktgamer_13dude posted... @silentwing26x posted... TC must be a troll tbqh, im done here Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod. If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative I am actually a security admin already. The thing about it is I live in an area where average income is much lower. So doing the same thing I am doing now in say... Arizona would give me 45k or so. If you want to get down to the gritty of it, I actually make 39k. I just take home about 30 of that. Start looking for another job. Will be easy to get at least a 15% increase in pay, maybe even 25% since you're underpaid. Surely there's a larger city you can commute to in your expensive vehicle. If you live off of 15k, in two years you'll have had $30,000 to throw at the debt. Couple that with bonuses/raises/more work and you should be able to clear it all out within two years. <cite>silentwing26x posted [p:908637917] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote><cite>@silentwing26x posted...</cite> <quote>TC must be a troll tbqh, im done here</quote> Says the guy who literally said "just change jobs for more money!" like it's easy to do. Only Proudclod.</quote> If you cannot find an IT job paying more than 30k in today's economy, it's because you're a fucking loser with zero initiative</quote> I am actually a security admin already. The thing about it is I live in an area where average income is much lower. So doing the same thing I am doing now in say... Arizona would give me 45k or so. If you want to get down to the gritty of it, I actually make 39k. I just take home about 30 of that.</quote> Start looking for another job. Will be easy to get at least a 15% increase in pay, maybe even 25% since you're underpaid. Surely there's a larger city you can commute to in your expensive vehicle. If you live off of 15k, in two years you'll have had $30,000 to throw at the debt. Couple that with bonuses/raises/more work and you should be able to clear it all out within two years.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 11:05:23 PM #92:	sktgamer_13dude posted... You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about. <cite>silentwing26x posted [p:908637967] in I just rea... [t:76995851]...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote>You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod</quote> For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about.</quote> ... Copied to Clipboard!
lincoln002 09/12/18 11:06:08 PM #93:	Vermander posted... silentwing26x posted... Vermander posted... silentwing26x posted... Vermander posted... FightingGames posted... 50k debt for a 30k income? So this is the power of higher education Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job. So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it. I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt. Why in the fuck did you get a goddam new car? Holy shit. What is the car payment? Can you get rid of it for a cheaper car or do you have negative equity? Dude, go get some Dave Ramsey books from the library. Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt. And why didn't you plan for purchasing a new car when your old one had so many miles on it? I bought a new car and I totally regret it, I could've easily gotten a 3-5k car that would've been just as good if not better. Car ownership will become a thing of the past when autonomous cars hit the road, it'll be less expensive to get uber'd everywhere than be an actual owner at that point. <cite>lincoln002 posted [p:908638013] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>FightingGames posted...</cite> <quote>50k debt for a 30k income? So this is the power of higher education</quote> Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job.</quote> So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it.</quote> I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt.</quote> Why in the fuck did you get a goddam new car? Holy shit. What is the car payment? Can you get rid of it for a cheaper car or do you have negative equity? Dude, go get some Dave Ramsey books from the library.</quote> Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt.</quote> And why didn't you plan for purchasing a new car when your old one had so many miles on it? I bought a new car and I totally regret it, I could've easily gotten a 3-5k car that would've been just as good if not better. Car ownership will become a thing of the past when autonomous cars hit the road, it'll be less expensive to get uber'd everywhere than be an actual owner at that point.</quote> ... Copied to Clipboard!
sktgamer_13dude 09/12/18 11:10:03 PM #94:	silentwing26x posted... sktgamer_13dude posted... You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about. You're taking the average income for that particular job and applying it like TC's city/region has that same average income. Obviously that isn't true. Maybe you're the one who has no idea what you're talking about. "Just get another job! It's easy!!!" Fucking lol --- https://imgur.com/jWVrg9U https://imgur.com/g2efUtT https://imgur.com/5dOwhaP https://imgur.com/LVdqu8J Go Cougs and M's #DI4B <cite>sktgamer_13dude posted [p:908638279] in I just rea... [t:76995851]...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote>You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod</quote> For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about.</quote> You're taking the average income for that particular job and applying it like TC's city/region has that same average income. Obviously that isn't true. Maybe you're the one who has no idea what you're talking about. "Just get another job! It's easy!!!" Fucking lol</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 11:11:32 PM #95:	sktgamer_13dude posted... silentwing26x posted... sktgamer_13dude posted... You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about. You're taking the average income for that particular job and applying it like TC's city/region has that same average income. Obviously that isn't true. Maybe you're the one who has no idea what you're talking about. "Just get another job! It's easy!!!" Fucking lol the average for that type of work is far higher than 30k youre making yourself look so dumb right now tbqh this is like you whining about me telling a drastically underpaid software engineer making 30k to go find a better job it LITERALLY is that easy <cite>silentwing26x posted [p:908638391] in I just rea... [t:76995851]...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>sktgamer_13dude posted...</cite> <quote>You're ignoring that TC likely can't just pick up and move to a better spot. You ask as if it's easy to just "find a better job". Proudclod gonn Proudclod</quote> For his industry and his experience in this economy, it literally is that easy. You have no idea what you're talking about.</quote> You're taking the average income for that particular job and applying it like TC's city/region has that same average income. Obviously that isn't true. Maybe you're the one who has no idea what you're talking about. "Just get another job! It's easy!!!" Fucking lol</quote> the average for that type of work is far higher than 30k youre making yourself look so dumb right now tbqh this is like you whining about me telling a drastically underpaid software engineer making 30k to go find a better job it LITERALLY is that easy</quote> ... Copied to Clipboard!
Learning 09/12/18 11:11:49 PM #96:	Omega Hunter posted... Vermander posted... I have 50k in debt, on a 30k income. Currently I only pay about 60 a month on it. I did some simple math and learned that even if I payed nearly 10 times that, only about half of it would go to the outstanding balance, because it collects $10 in interest a day. No wonder the student loan debt bubble is abysmal in our country. Basically anyone with a bachelors that wasn't funded by parents or scholarships more or less will pay for decades, or make the equivalent of two large car payments towards their student loan every month. How do these people get college degrees and graduate like...what is interest? How do minimum payments work? What is non dischargeable debt? At least it's mostly a female problem. Something like two thirds of outstanding student loan debt is owed by women. Cuz men actually tend to make intelligent life decisions...what's your excuse? https://www.google.com/amp/amp.timeinc.net/fortune/2018/06/05/women-student-loan-debt I wonder how you go through life with this vicious hatred of women And I'm sure you're going to respond with "well I'm married" even though we all know you really aren't --- Backup Conflict alt for the next week <cite>Learning posted [p:908638409] in I just rea... [t:76995851]...</cite> <quote><cite>Omega Hunter posted...</cite> <quote><cite>Vermander posted...</cite> <quote>I have 50k in debt, on a 30k income. Currently I only pay about 60 a month on it. I did some simple math and learned that even if I payed nearly 10 times that, only about half of it would go to the outstanding balance, because it collects $10 in interest a day. No wonder the student loan debt bubble is abysmal in our country. Basically anyone with a bachelors that wasn't funded by parents or scholarships more or less will pay for decades, or make the equivalent of two large car payments towards their student loan every month.</quote> How do these people get college degrees and graduate like...what is interest? How do minimum payments work? What is non dischargeable debt? At least it's mostly a female problem. Something like two thirds of outstanding student loan debt is owed by women. Cuz men actually tend to make intelligent life decisions...what's your excuse? https://www.google.com/amp/amp.timeinc.net/fortune/2018/06/05/women-student-loan-debt</quote> I wonder how you go through life with this vicious hatred of women And I'm sure you're going to respond with "well I'm married" even though we all know you really aren't</quote> ... Copied to Clipboard!
Learning 09/12/18 11:13:48 PM #97:	Omega Hunter posted... MeowMix101 posted... I think it is people buying into the useless degree like gender studies and thinking it will get you a job when in most cases it will lower your chance of sane employee hiring It's that and the significant number of women who work hard as hell through school and early career until about 32 and then go...this sucks. I would rather not do this work commute sleep commute work thing forever, I would like to actually be a mother and have a family and then completely change course. Meanwhile how much in the way of tax dollars and societal effort had been out into educating that woman, how much in student loans? It's almost as if damn near every society ever that organized themselves such that men worked and women took care of the homes were onto something... Lmao holy shit now you're in defense of 1950s patriarchy nonsense Seek help before you hurt someone --- Backup Conflict alt for the next week <cite>Learning posted [p:908638537] in I just rea... [t:76995851]...</cite> <quote><cite>Omega Hunter posted...</cite> <quote><cite>MeowMix101 posted...</cite> <quote>I think it is people buying into the useless degree like gender studies and thinking it will get you a job when in most cases it will lower your chance of sane employee hiring</quote> It's that and the significant number of women who work hard as hell through school and early career until about 32 and then go...this sucks. I would rather not do this work commute sleep commute work thing forever, I would like to actually be a mother and have a family and then completely change course. Meanwhile how much in the way of tax dollars and societal effort had been out into educating that woman, how much in student loans? It's almost as if damn near every society ever that organized themselves such that men worked and women took care of the homes were onto something...</quote> Lmao holy shit now you're in defense of 1950s patriarchy nonsense Seek help before you hurt someone</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 11:15:34 PM #98:	Learning posted... Seek help before you hurt someone no offense, but between Omega's benign personal beliefs and your erratic and violent behavior / lack of self control, im more worried about you snapping <cite>silentwing26x posted [p:908638648] in I just rea... [t:76995851]...</cite> <quote><cite>Learning posted...</cite> <quote>Seek help before you hurt someone </quote> no offense, but between Omega's benign personal beliefs and your erratic and violent behavior / lack of self control, im more worried about you snapping</quote> ... Copied to Clipboard!
Vermander 09/12/18 11:15:35 PM #99:	lincoln002 posted... Vermander posted... silentwing26x posted... Vermander posted... silentwing26x posted... Vermander posted... FightingGames posted... 50k debt for a 30k income? So this is the power of higher education Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job. So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it. I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt. Why in the fuck did you get a goddam new car? Holy shit. What is the car payment? Can you get rid of it for a cheaper car or do you have negative equity? Dude, go get some Dave Ramsey books from the library. Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt. And why didn't you plan for purchasing a new car when your old one had so many miles on it? I bought a new car and I totally regret it, I could've easily gotten a 3-5k car that would've been just as good if not better. Car ownership will become a thing of the past when autonomous cars hit the road, it'll be less expensive to get uber'd everywhere than be an actual owner at that point. I sort of did? I had saved up a few grand that I used for a downpayment on my current one. Actually I just made my first payment the other day and I already have positive equity on the vehicle. --- Remember kids, Jesus died for your sins. So if you don't sin, Jesus died for nothing. <cite>Vermander posted [p:908638649] in I just rea... [t:76995851]...</cite> <quote><cite>lincoln002 posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>silentwing26x posted...</cite> <quote><cite>Vermander posted...</cite> <quote><cite>FightingGames posted...</cite> <quote>50k debt for a 30k income? So this is the power of higher education</quote> Most of that is collected debt from being in an out of school. I only generated about...14ish from what actually got me my job.</quote> So you fucked up and are blaming the system for your fuck up? Stop whining and clean up your mess. Live with room mates / parents and crush this debt within a couple years. Work a second job to eliminate it faster. Work hard and get promoted to earn more you can throw at it.</quote> I have roommates, but I currently have a new car loan I am paying off so I dont have $700 to throw at it every month. Even if I paid about 450 or so, I think it would still take 10 full years or longer. A second job is out of the question, I have an office type salary that already keeps me in the office more than 40 hours a week. Ive fully accepted that without a salary bump Ill die in debt.</quote> Why in the fuck did you get a goddam new car? Holy shit. What is the car payment? Can you get rid of it for a cheaper car or do you have negative equity? Dude, go get some Dave Ramsey books from the library.</quote> Because my old one had 157k miles on it and needed basically 70% of its total value in work. The payment is only 300, but I am trying to pay it off twice as fast since auto loan debt is more important to me than student loan debt.</quote> And why didn't you plan for purchasing a new car when your old one had so many miles on it? I bought a new car and I totally regret it, I could've easily gotten a 3-5k car that would've been just as good if not better. Car ownership will become a thing of the past when autonomous cars hit the road, it'll be less expensive to get uber'd everywhere than be an actual owner at that point.</quote> I sort of did? I had saved up a few grand that I used for a downpayment on my current one. Actually I just made my first payment the other day and I already have positive equity on the vehicle.</quote> ... Copied to Clipboard!
silentwing26x 09/12/18 11:20:14 PM #100:	Vermander posted... I sort of did? I had saved up a few grand that I used for a downpayment on my current one. Actually I just made my first payment the other day and I already have positive equity on the vehicle. excellent news. imo sell it and buy yourself a cheaper car. then use the payment to reduce your student loans. aim for the smallest of the student loans, so that once it is paid off you can roll that payment into the former car payment and tackle the next smallest student loan. <cite>silentwing26x posted [p:908638953] in I just rea... [t:76995851]...</cite> <quote><cite>Vermander posted...</cite> <quote>I sort of did? I had saved up a few grand that I used for a downpayment on my current one. Actually I just made my first payment the other day and I already have positive equity on the vehicle.</quote> excellent news. imo sell it and buy yourself a cheaper car. then use the payment to reduce your student loans. aim for the smallest of the student loans, so that once it is paid off you can roll that payment into the former car payment and tackle the next smallest student loan.</quote> ... Copied to Clipboard!
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Current Events > I just realized how much cancer student loan debt really is (+) Yeah! (+)

Current Events > I just realized how much cancer student loan debt really is