jlbower79 said:My husband got a good education, he didn't use that education, which is his own fault... like 99% of college students, he changed his major three times, by the time I met him he went to a local college and paid his way through that and got a degree...
anyways... i've said my peace and i want to go back to just talking mickey and minnie...![]()
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Jaime![]()
crisi said:From talking to my own doctor, a brief period of practice isn't that uncommon for women in the medical profession before they pack it in - lots of doctors don't work long enough to pay off their loans with their income from medicine.
jlbower79 said:yes he is retarded for having it but I can blame him and them just as much and I'm sorry but bankruptcy is a way to go sometimes, it isn't just his life anymore, it's "our" life and it's "my" loan now and that's just how I feel about it.
Jaime
fac said:Wonder why it is happening? They married "good"![]()
BTW, please don't give me any examples of exception, it is meant to be a jokeI have no plan to start a sub-thread in this discussion.
Rella Bella said:Never close your oldest credit card account. When they determine your credit score (which is what really matters), the longer you've had credit the better.
Also, don't consolidate all your debt on to one or two cards. If you can keep the balance on each card to below 1/3 or even 1/2 of your credit limit, it will raise your credit score. Opening new credit lines will drop your score.
Unless you really can't meet your obligations don't use a 'credit counseling' company. They can negotiate lower interest rates for you, but in the end it is a permanant score lowering activity on your credit.
We've learned a lot the hard way... hope this advice will help you skip some of that. As temping as it is to keep racking up debt... you'll thank yourself later if you bite the bullet now. So if I may I highly recommend:
'Freeze your cards'
Rearrange the balances to keep each cards balance low
Do only one vacation this year... and every year until you feel caught up
No new debt.. you need to save some credit for possible emergencies
Make all your payments on time
(Even one day late on a payment can raise your interest rate... sometimes on more than one card!)
Work on paying the debt with the highest interest rate off compeletly.. do minimums on the others until it's paid in full, then put every thing on the next one and so on.
Don't cut out all the fun stuff... or you'll go out one day and really go crazy... just make a reasonable budget and stay on it.
Find a new way to deal with stress. Run, walk, volenteer, anything but shopping!
You can do it! Before you know it you'll be free!
Originally posted by CNaumann: To recap, your husband fooled around in college and kept changing his degree, all the while living on borrowed money, has a good education but has no real job to speak of (I infer that from the very low amount he is required to pay on his student loans), 'forgot' to tell you he was $30,000 in debt before you married him, and you are OK with all that and don't really blame him for any of it?
RoyalCanadian said:If the debt bugs you so much, then the truly responsible solution would be to cancel your upcoming Disney vacation and apply the money saved to that debt.
With all due respect, the ONE post said that you wished the rest of the world (which means us) could be forced to pay for your husband's student loans. Yes, you did, because that's what bankruptcy means. So you can't be surprised when people get a little peeved at that "opinion." And in the rest of the thread you said it wasn't even his fault he had all these loans and no good came of them. Someone made him borrow 30K.jlbower79 said:You guys are really looking way into this... I said ONE post and you go at me... read the whole thread before you just have a go... can we just "DROP" it... ????
For one, the minimum payment on many credit cards is about to jump from 2% to 4% (for many it's already happened).
tlbwriter said:With all due respect, the ONE post said that you wished the rest of the world (which means us) could be forced to pay for your husband's student loans. Yes, you did, because that's what bankruptcy means. So you can't be surprised when people get a little peeved at that "opinion." And in the rest of the thread you said it wasn't even his fault he had all these loans and no good came of them. Someone made him borrow 30K.Again, while you're entitled to your opinion, the other posters are equally entitled to give you their opinions of it!
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This relates to the OP because it's about personal responsibility. The OP is taking responsibility for her own actions. She will eventually dig her way out of her hole. You, on the other hand, will not, until you and your husband (I don't really know if he should be lumped into this; for all we know he accepts complete responsibility for his loans) accept your own responsibility for your situation, and make a more mature payment plan for his student loans. If $4/month is all you're paying toward the principal, you will not be able to pay it off in your lifetime. I understand why you're frustrated, because it's a huge debt and you don't feel he should have taken it on. But he did, and that can't be undone. As someone else said, your anger at those who lent him the money is misplaced - it is not their responsibility to make those decisions for him. Try to channel that emotion and that energy into paying the bill, and pretty soon you'll be here posting your success story.![]()
ButterflyJen said:Crap, are you serious??? Man, just as I had a plan for my TMMO!
jlbower79 said:It's called "you only live once" and this will be the only time we get to go do anything together and probably the last, so don't tell me what that "responisble" solution is, I didn't ask you and when you have never been on a vacation your whole life, I think you deserve ONE and if you don't think that's 'truly responsible' i never asked you.... I asked ONE question and you all turn it around on me...
For the person who said I dont blame my husband, if you can read one of my post, read the others, and for you to tell me he has no real job? He has a great job, it just takes forever to move up, I dont live in a HIGH class community (and please save the post, dont tell me to move somewhere else because this whole post is not about my life) I'm also not going to tell you how old he is so don't tell me just give it time till he makes more...
You guys are really looking way into this... I said ONE post and you go at me... read the whole thread before you just have a go... can we just "DROP" it... ????
I wish I could go back and delete everything I said so you guys would just leave me alone. I asked you once to stop and you keep going... if there is an op out there who could just DELETE every post I posted and the ones that people went off at me, that would be great... I came to this board to talk Disney anyways, yet I thought I made that clear before but no, have another go?![]()
Jaime