I’m 15 and in small debt because I’m apparently really stupid, help?? So, I made a paypal account and set my age as 18 when I was like 11. (I’m 15 now.) I didn’t enter any information and only used it to put gift cards onto. When I was 13, I added my card to it that I got with BOFA. Then I signed up for a website subscription trial, and canceled it before it charged me, except that it didn’t cancel because my serv…

I need help with debt Hello everyone, So my wife and I are in debt. I have a nice job that pays triple figures but the net pay is around $72000 a year. She makes roughly $30k net a year. Together we are probably at $100k. She has $23000 in credit card debt and some student loan debt. I have roughly 8.5k in credit card debt. This debt is across several different cards…

Debt collector sorta refused to send me a letter? I recently seen I had an email from a collections agency and opened the link, seems like I owe $1,100 on a $400 I had past due with a credit one card. I called the collector and asked them for some type of letter to verify the debt, and the ‘manager’ kept refusing to send me one and kept attempting me to pay off the debt, but would keep refusing…

Feeling broke while paying down debt I have a job bringing in roughly $800 weekly. I say roughly because we shoot for 40 hours a week and sometimes end up with a tad over/under. Total bills come to just under $2000 monthly. This includes a $168 minimum payment to a $7,000 personal loan (15.4%) I used to consolidate CC debt a year ago, as well as a $295/mo payment to a family membe…

I have $20K in CC debt and a low wage job. What should I do? I was stupid when I got my credit cards, had a horrible shopping addiction (under control now) and had a “pay it off later” mentality. Now I am in $20K credit card debt. I’m terrified I’m going to be sued. I made the minimum payments every month, and at one point almost had one card paid off…but then I temporarily lost my job. I wish I had a t…

Advice on paying debt, starting savings and what type of accounts I should use Long story short, I’m a late bloomer in that I spent awhile battling cancer after being a dirtbag musician for a long time and having to restart life from scratch. Now I’m 33 with 50k in student loan debt and about 10k on my car loan. My credit is good but I have no savings at all, as I finished college and starting working recently. I make ab…

34k in debt, crazy high interest rates Before I start I’d like to ask that everyone keep the judgement to a minimum, please! Anyways, I’ve just moved in with my dad and asked if he wanted want sit and do a budget together, as he’s been mentioning lately that he needs to start saving money.Wrote all of his debts, bills and income and was shocked at the number. So he’s got a total of 3…

Is it worth paying off high interest CC debt if it takes my EF down to

Is graduate school worth it? 31yo, little to none in retirement, $30k+ in student loan debt. I want to get my masters in data science and public policy, but I am worried that in the end, I will doom myself in regards to retirement. I’m 31 and only have $5k saved up for retirement. I’ve worked and supported myself throughout my 20’s. I’ve experienced on and off homelessness and unemployment. I’ve had periods where either I have low but c…

Cumulated debt during a period of unemployment, now I’m employed but still unable to properly walk properly through this. Hello everyone, So I was unemployed for exactly a year. I had no unemployment benefits, and the job search took way too long. During this period, I had to seek help from some close people who did provide the much needed help at the time. 4 months ago I started a new job. In absolute terms, I earn 2.1k€ monthly, I pay a 800€ rent, and when it co…

i’m 19 and in bad debt. Hello. before i get into this post i’m going to give potential content warning for: abuse/mental health related issues. (also one of my first reddit posts, so sorry if it sounds sloppy or whatnot) -this will be a long one- So i’m 19 and have been living out of my parents (mom) place since i was 17. long story but i had gotten kicked out and t…

How to successfully pay off CC debt ? I’m 21 with about 8k in Cc debt across 5 cards. I owe ~5k on my car so in total i have 13k in debt. I’m not worried about the car payment it’s manageable i’m worried about the HIGH interest on the cards with balances that i can’t immediately pay. I was a very dumb 19 year old and opened a card with a very high interest rate which is now my highe…

LPT Request: Finances Student Loan Debt (Private and Federal) So I (25F) am about to graduate with my Master’s degree at the end of the year. My field has a high demand and I have excellent qualifications, so my degrees aren’t going to waste for sure. I get paid fairly well, however not enough to effectively save for future expenses. I make just enough to have a little extra spending money for surprise sit…

How to get out of debt efficiently A few months ago I moved to New York from Florida for some client work, and after my company went remote, I ended up moving to Dallas. This is where my fiancé lives, and it’s much cheaper to live here than in NY. Through these moves, I ended up racking up a lot more debt (about $25,000) than I can keep up with. In the case of the NY apartment, I…

My wife’s most recent patch of med school debt is at ~7% interest rate. Should I stop investing for retirement until it’s fully paid off? Title Edit: I should mention this doesn’t include stopping 401K to meet match. More like stopping contributions to Roth IRA submitted by /u/SirIssacMath

Ways to pay down large $25k debt that isn’t budging So I made mistakes when I was younger and racked up $8900 in credit card debt. I thought it was in collections and done with after divorcing but recently started getting letters about a judgement from 2009 for a court case that I never knew about. Letters had gone to my ex’s address that I she moved to after we divorced even though they I had ne…

$90K in debt – options? My wife and I have accrued over $90,000 in debt (credit cards, personal loans). We have been able to keep up with monthly payments until now and have reached our breaking point. I am working as much as I can, 7 days a week, and we have cut spending as much as we can. Our cars are paid off, we have no student loans, and we’re up to date on our mo…

should i put myself into more student debt? i currently have a bachelors in communications and a masters in journalism with no professional experience in my field. i recently moved in with my parents who live in europe. my visa expires in 30 days, i am still trying to find a job here so i can stay past 30 days, but time is running out. i have 100k student debt already, and i want to go to…

Have debt I want to clear before I move to a new state and start my life. Hey everybody I will try to keep this short but just wanted to post this on here so I can get advice from people in similar situations as me and how they got their life back on track. I am a 19 year old male for reference. to start off here are my debts they are not a lot by any means but I don’t have a job currently due to being let go after le…

4k in debt currently freaking out Hi everyone, I took out a cashnetusa loan when I was in an emergency and I didn’t know anything about it (I’m 24) I’m paying like 600 a paycheck and it’s horrible. I hate it. How can I get out of it? I made really dumb decisions and I’d like to get my money back in order along with my credit score. It sucks so much. I’ve cut back on so many th…