student car loans

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Pay off debt or save?1Yasemen2012-11-06 03:29:03
ok so my boyfriend and I have a disagreement . I have a student loan of 26,000 and has a 13,000 car loan . want to pay all our debts and then save for our house . or whatever . i say. we will always have debt the rest of our lives . ( Car payments , when we bought our house . Etc ) I say we have to save . for our wedding to be in a couple of years . he'll be here soon. I think we will be engaged in a year , he says. then says oh i do not want to commit until all debts are paid . but we will always be indebted . oh i pay 200 AMonth my loan . I have not had to pay for another 4 years , but I'm starting now to avoid high interest rates . so no ? How can we save or pay our debts ? thank you very much .[View Answers]
Are You Spending More Money Or Less Since Obama Took Control?2Benjua2012-10-24 11:47:03
Food costs more, and will continue to cause Obamas spending is more than any other president in history. MedlinePlus Property taxes are increasing in most states . MedlinePlus Gas prices are rising and are also expected to continue - the cause of the specularity of the banks that need money . MedlinePlus Energy bills will rise when Obama forces the coal industry to shut down - because he wants everyone to have the wind or solar power that none of us can even afford to get. MedlinePlus More money out of our earnings from us working to give people who do not work , there are even some states that buy cars for people who do not work - That's our tax money to buy cars from other people. MedlinePlus MedlinePlus Where's the good in that? They are rewarding people who do not bother to finish H.School or did not bother to get a loan to go to college to get a good job . It took me ten years to pay off my student loans and never complained about it! Why is it easier for these people who do not want to learn ? Anyone can go to college and get a loan ! Like I did! Why now I have to pay for college from others ? I paid for my own! No one helped me ! I would not want people who do not pay my university know anyway! I learned to be responsible for paying for it![View Answers]
OMG OMG STRESSED OUT NEED HELP!?1What\'s Up???2012-10-21 18:50:02
Ok i been in college for almost two months and financial assistance has not reached across me yet. Still do not have any of my books for classes , but im getting pass all but one so far. MedlinePlus I have a job that pays me $ 6.85/hour ( and that was a raise ) , but I have many hours because of school. I have to help my mom with the rent is 385 / m , and that leaves me with little because my check is not much anyway . MedlinePlus I have a girlfriend long distance of about 45 minutes, but the two do not have a car . I must find a better paying job because I want to see it and take the bus to work is a real pain , but she said she would have her car in the summer . MedlinePlus I was thinking about getting a loan to buy a used car, but I know I would have to find a better job of returning the money . What should I do ? This is what is on my mind : school enrollment (financial aid / or student loan ) No books in two months of school , helping my mom with the rent , my paying job , my girlfriend is 45 minutes, but neither have a car , you want a car, but do not know how to get it with all these other problems on my face . MedlinePlus Sorry for being long winded , but I 'm really stressing . Someone can give me good answers .[View Answers]
Need help with my montly budget...how can I save more?1Edmun2012-10-20 12:10:03
I need help with the budget. It's something I've never been good at it and I'm getting a late start, but I want to be successful at it. I'm tired of not achieving my goals of savings and do not stretch my dollar. Below is my income, expenses, and my questions: MedlinePlus MedlinePlus Monthly income: MedlinePlus Gross: 3678 MedlinePlus Net: 2475 MedlinePlus MedlinePlus Net pay is after insurance, taxes, 401k 3%, gym employees $ 26, $ 15 employee plan legal, disability, life insurance, medical / dental, $ 108 monthly flexible spending account (I go to a therapist a once a week), MedlinePlus Monthly expenses: 600 saving MedlinePlus 683 rent MedlinePlus 85 cell MedlinePlus water 30 cable / network 60 MedlinePlus 75 car insurance MedlinePlus 134 student loan MedlinePlus food / toiletries 250 100 electric MedlinePlus gas car 100 SUBTOTAL 2117 MedlinePlus MedlinePlus Other expenses: entertainment (movies, activities, bars / clubs, etc.) 50 MedlinePlus Beauty (nails, hair, etc.) 100 MedlinePlus Clothing / Shoes / Accessories 100 Strange (oil changes, birthday gifts, etc.) 50 MedlinePlus Eat 100 MedlinePlus SUBTOTAL 400 MedlinePlus MedlinePlus * TOTAL: $ 2,517 MedlinePlus MedlinePlus Here are my questions: MedlinePlus MedlinePlus 1. How do you think I'm doing about my savings? I'll put only 3% in 401k but my employer is putting in 12%. Should I keep 3 or increase it? I have 32 years and have little savings. If you raise, I will have to decrease the amount of savings, which leads to my next question: MedlinePlus MedlinePlus 2. I would like to emphasize saving 600-1000. (Please note that this means I need an extra $ 442 a month. Would be 400, but my expenses are greater than my income by $ 42). I know this seems reasonable, but I think it is impossible. Any suggestions on how to do this with my income? I do photography on the side so I could try to get another extra 100-200 a month concert photography. I am willing to give up some of the "other expenses" to increase my savings. I already take public transportation to work. I would still be able to have a little social life, though. MedlinePlus MedlinePlus 3. I'm single, no children. My many groceries seem extravagant? Right now I'm thinking I could save money on grocery areas, power, beauty and clothing. I've been careless with my power, I must admit (I have a 1 room apartment 750 square feet so it should not be 100 per month!) MedlinePlus MedlinePlus What are your thoughts? How do you try to cut each section to achieve my goals? If I'm being realistic about anything let me know. I am willing to settle for a savings of 800 by now if 1000 is not achievable.[View Answers]
Independent/Dependent status on tax return?1mmmmmm12012-10-20 02:36:04
This is getting a bit confusing .. I want to know if I should be able to claim myself as independent rather than calling my parents. MedlinePlus MedlinePlus I'm not sure if they have contributed more than 50% of my support .. MedlinePlus MedlinePlus I do not live with them, even though almost half of 2008, paid the rent every month. For the second half of the year, essentially living rent-free, but still had to pay bills and other household expenses. MedlinePlus MedlinePlus I am a full time student for the 2008-2009 period and took a loan co-signed by my parents for $ 25,000 in September. I guess that only half of that loan is attributable to 2008. For the previous school year, I went to the fall semester (2007) but not for the spring of 2008. I'll be the one paying these loans, but is counted as support for me, since his name is on the loan as well? (And probably would not be able to get the loan without them) MedlinePlus MedlinePlus In turn, they give me insurance (health, auto) and since they stopped paying rent on mid year began paying my car payment, which is also a loan in your name and the title of the car is on their behalf as well. MedlinePlus MedlinePlus Overall, I feel like we're pretty even but it's frustrating to me that probably could qualify for the credit of refund (if presented separately), as I have not received the stimulus payment last year, or even more, depending on what happens with obamas tax cuts? MedlinePlus I did 15 to 20 thousand of my work (waiting for more W-2) ... I would qualify for additional tax cuts? MedlinePlus MedlinePlus I am very confused. MedlinePlus MedlinePlus Also, according to IRS tax rules, you have to live with their parents for more than half the year. Does living in a different home, while my parents paid the rent mean the same as living with them? I paid all my own utilities ...[View Answers]
What delinquent debt does the TSA pay attention to?0Lina morudu2012-10-19 19:15:02
I'm trying to get a job with the TSA and I'm a little worried about the credit check . My student loan was not going to stop paying even .. but I have the money you owe on a repo car .. I have money owed to the hospital to take my daughter to the emergency room .. and other miscellaneous expenses accumulate tiny probably a couple of hundred dollars at most. What to consider when looking at your credit check ? MedlinePlus I only ask you not look at my car repo (fingers crossed ) ..[View Answers]
Effect of financing a $1200 purchase on my credit score?0u_r_fat 2012-10-19 18:29:59
im contemplating funding of $ 1200 for a new TV through an agreement that Circuit City is having , apparently , no finance charges will be assessed as long as they pay the balance within three years . Cart is within my means and I'm sure I can pay the balance in about 6 months , without anguish . MedlinePlus MedlinePlus My concern is this : how will this new "credit" account affect my credit score ? Ive been working hard recently to raise my credit score and im planning on buying a new car in about 10 months . Finally my credit score is 663, I have 70% of my available credit and revolving credit limit is about $ 8000 ( yes I have a $ 18,000 balance on my student loan though) . MedlinePlus MedlinePlus If I do finance and pay if off in about six months , is it wise to close the account or should I keep it open , given that I've heard that creditors accounts welcome short-term credit ?[View Answers]
I need some major financial advice.?0Bionca2012-10-19 18:25:22
Well here is the situation . I have 21 years , I own a car and am currently saving to leave my house people . I want to buy a bike and want to know what you would do if you were me . Even if I consider , to be used and $ 5000 or less. I work 40 hours a week ( not including overtime) in a factory for $ 12.75 per hour. My total accounts a month now up to about $ 600. I own a car and go to school . I did the math and furniture and everything else you'd need to move, get about $ 4,000 . I have not yet received my taxes or student loans probably amount to about $ 2000 in the next two months . If I keep my checks ( not including taxes and loans ) would be about $ 8,000 or so ( more than likely take ) $ 1000 . I can finance a bike now , but I'm not sure if I should . I live in a state where we have four seasons , so it will probably be like 7-8 months a year . Now , some people say go for it because I won , not be able to pay when I have my own place . Others say keep saving and do not buy it . I was going to get it last year, but was denied then I came across this new place in winter and your site has been sailing since. So what to do .... go for it or not to do ? PS My car is a 2001 Nissan Maxima , No problems and looks great , so do not need a new car .[View Answers]
Can my Direct General Manager Deny My unemployment Claim?0Taylor2012-10-19 17:58:47
Hi all, MedlinePlus I was fired from my job recently supervisor of Best Buy electronics store . MedlinePlus I was terminated due to poor performance .. I basically missed a certain Merchandising expectation 3 times in a period of 6 months. ( Example I was drafted three times in six months in a dirty area below stocked or not my department ) MedlinePlus Now before I was finished , I was offered a different position with pay considerably less , I could not imagine having to rent , car insurance , student loans , accounts MedlinePlus He asked me and I have my unemployment telephone interview in the coming days . MedlinePlus I was in my shop today and after a converstation my general manager said he heard that he was trying to pick up a teleconference want your claims and refuse. MedlinePlus Now Best Buy is a Corperation and have an HR ( human resources ) department to deal with the claims examiner id imagine. MedlinePlus It seems that the CEO never know ... MedlinePlus Can you help me ease my mind with this .. I'm really worried about what will happen because I've been applying everywhere to no avail and I am counting on unemployment insurance ive paid for so long MedlinePlus * Note this is in new jersey MedlinePlus MedlinePlus thank you very much ![View Answers]
Where can I get money to pay my credit card bills as a medical student?0Cilla2012-10-19 17:26:22
Therefore, I am a 3rd year student of medicine who has spent a little beyond my means , due to the fact that , finally , having money in sight. I get the maximum amount each year in student loans (so that is not a viable option - increasing student loan money ) , and currently has about $ 10,000 in credit card debt . I can lease my car, I own a house , but have a minimum capital in it, and I can not get a job with the school . I can not ask my parents , they have no income to qualify for a personal loan , and probably would not qualify for a line of credit for the same reason . So is there anything I can do to get out of credit card debt ? Or just deal with it until you actually make money ... ? Thank you.[View Answers]
Husband lost job..a week before closing on our first home...?0leelee2012-10-19 16:00:42
Our world has turned upside down yesterday . We found our perfect starter home to raise a family ... was able to receive the government $ 8000 for first time home buyers and have begun to buy furniture . Never in a million years what we expect to happen . There was no warning or even any suggestion that this would happen ... My husband made twice what I do alone. So basically we have cut our income in a third of what we've done before. We have student loans , car payments , rent of course ... This feels like a punch in the stomach and I just want to take all your pain . He hated his job. I wanted to leave anyway ... but on their own terms .. with other work online . Please share your stories of your world being turned upside down because of layoffs or terminations . I wonder where to go from here .[View Answers]
Can you get student loans to help out with bills other than college such as rent ,car payments ?0Mfonobong2012-10-19 15:34:21
For example , if you are unemployed right now and is currently looking for a joob but aren , t having much luck . I have three children to support , and if I could get a student loan to help me and not have to pay income tax until after graduation what you really wanted to help me.[View Answers]
Another question for Mortgage lenders?0niel2012-10-19 15:15:31
This is similar to the previous question I asked . This is my second marriage . I have outstanding debts from my first marriage (auto re - pound, doctor , my score is only 510) I did not want to be in the title of the house . I think this should not be a problem since I am a dependent, no income of my own, and a student . My husband has a VA loan , makes six figures , and have a credit score around 620. We had an approval, but the company suddenly under . So trying to get another . Nobody is going to touch my fault . Why does this affect us when I do not even know when this credit debt happened to me ? Indeed , we are in Southern California. It is not difficult to ventilate but the irony is that our mortgage payment will be less than our rent payment ![View Answers]
Psychology/ Psychiatry or Engineering?0Skittles 2012-10-19 14:59:18
I'm trying to decide what I do with my life after high school. I want to be able to provide a good life for my future family and these things interest me . I'm pretty good at math not great but not terrible I would say above average only understand mathematical concepts easily my biggest problems are just me making stupid mistakes . But I want to help people , and while I would be helping people in engineering would not be as straightforward as if I were a psychiatrist or psychologist . But I'm pretty sure I would have to write a lot of papers and I am a writer, terrible, horrible. Also I'm not sure you can pay as 7 + years of school (I refuse to get a student loan so do not even bother to recommend it) These things really interest me like nothing else ( except maybe the cars but being a mechanic does not think it will provide the same lifestyle for my future family than the other options that can ) help any idea at all in any of these areas will be greatly appreciated . More specifically oil engeering or child / adolescent psychology . thank you[View Answers]
Please help if you can :)?0Blaeten2012-10-19 14:46:30
My boyfriend and I have been living together for two years. He is back in college and I work full time and have always worked together to pay the bills. This summer, do not even try to find a part time job. He plays World of Warcraft all day. It has become so bad that now I pay for everything. MedlinePlus MedlinePlus This includes: My accounts (phone bill, student loan, car payment, insurance) MedlinePlus Our shared accounts (food, rent, utilities, cable) Their accounts (phone bill, car insurance, cigarettes) MedlinePlus MedlinePlus I'm running out of money and I told him I can not afford to keep paying it. He laughs and says he will be fine. He still wants to buy him beer, cigarettes, wants to eat, etc MedlinePlus MedlinePlus This fall is his last semester at school, then he will be able to get a job in computer science or information technology, whatever. MedlinePlus MedlinePlus I'm so tired of all this falls down on me! I'm being selfish and I know he has to be there for your partner through good and bad, but even when I helped pay the bills, he just gave me very little. MedlinePlus MedlinePlus Your car insurance is up for renewal next week and I have to give the $ 1200. I tell him to f *** himself and borrow money from his mother. We're not even married, I do not think I should be paying all their shit. If it will not work, then he should suffer the consequences and let your phone bill and car insurance drop. MedlinePlus MedlinePlus You think I'm being cruel? Not even thank me. He sits at his computer all day at WOW. We hardly talk to each other. MedlinePlus MedlinePlus I'm really starting to want out of all this. I have 24 years, I do not make much $ $ $ to start despite working full time. MedlinePlus MedlinePlus What do you think?[View Answers]
HELP!: my mom, she always threatens to kick me out?0calf2012-10-19 14:24:48
I have 21 years and I am a college student who still live at home. I have no job because I have a car, it is very difficult to get a job without a car where I live because of the unreliable public transport. So you feel like home a lot during the summer. I can sell things on eBay and make jewelry to sell on Etsy to keep me busy and make some money. MedlinePlus MedlinePlus Here's the problem: MedlinePlus My mom is very demanding and meticulous. Everything in the house must remain perfect, not just mean clean, I mean perfect. If something is wrong, then she gets angry. When she gets mad at me about little things I do wrong and hurt me crazy because I feel it's too hard for me. It is also a very negative and agitated to be around. I know I have the luck to have a house to live in my house, but it feels like home. MedlinePlus She always tells me to go out (in a very rude to say) and tells him to get a job. She knows that none of these things are possible right now. I have no support from her at all, tells me to leave, but she would not help me out. I have no financial support from her in fact she always borrows money from me (I know she spent a lot of money to raise me though) and I obviously do not have a job that has a lot of savings. I have only about 3,000 in the bank. Of which will go to make a payment on my student loans. I feel I have no where to go. And I'm at the point where you honestly rather be homeless than live with it. MedlinePlus I have no grudge against his huge, because I was constantly getting divorced and remarried and moving around me throughout my childhood. MedlinePlus Just do not know what to do .... I'm at a breaking point and I can not myself with it anymore MedlinePlus I need help please! ! ![View Answers]
I feel like I've failed in life. How can I get my life together?0Katina2012-10-19 14:15:14
I'll be 27 in September. I have my degree in accounting and I am working as a cashier at a department store making 7.92 per hour. I also live in the house and have no vehicle. I can not find a job in my field because I never had any experience / practice. I have too many accounts (student loans , credit cards in collections ) and is virtually impossible to save for a suitable car or mine. MedlinePlus MedlinePlus I pray and I 'm trying to be optimistic , but I still feel like a failure . I can not compare myself with others in my group of friends . It is very humiliating to be seen in the same shitty job for 5 years. I hate this job with a passion and I desperately want to leave! MedlinePlus MedlinePlus Because of this , along with anxiety and severe depression , I've been drinking a lot . I'm afraid I 'm going to be a terminal illness of one day. I see changes in my health and my body (ie , memory loss , confusion , fatigue , etc. . ) MedlinePlus I have more personal problems , but they are too many to list . I hope I'm making sense here . I do not feel very well today . MedlinePlus MedlinePlus To make a long story short , can anyone recommend some jobs that require no experience / that would train me ? I live in the Chicago area . I keep applying online , but no one called . I have to be making at least $ 25,000 a year . I'm so desperate . I have to get up. MedlinePlus MedlinePlus I do not want alcohol and anxiety to run my life . Please help me .[View Answers]
Any suggestions to make it work?0Lanell2012-10-19 14:14:58
I just lost my job today , my husband and I have about 30,000 students in credit card loans , etc. , this does not include mortgage or auto car being drawn from your check . Anyone have any idea what to do to get our own back above water and stay out of the water , think of debt consolidation , but I was not sure how they would credit report , any idea which way to go ?[View Answers]
Am I ready to move out?0deeandra2012-10-19 13:22:54
I have 23 years . I have a steady job making $ 43,000 a year as editor . Monthly net salary is around $ 2,800 . MedlinePlus I have approximately $ 20,000 in savings rather not dip into . MedlinePlus MedlinePlus My expenses are: MedlinePlus $ 250 per month per student loans MedlinePlus $ 230 a month car payment MedlinePlus $ 250 a month grocery MedlinePlus $ 150 a month gas MedlinePlus Estimated $ 250 per month for everything else ( eating out , beauty products , phone , etc. ) MedlinePlus MedlinePlus I'm looking to move somewhere in Queens ( Bayside , Forest Hills , etc ) MedlinePlus MedlinePlus Average rent would be about $ 1000 ( all costs included ) MedlinePlus MedlinePlus I would be living on my own for a year until I moved in with my boyfriend and we share rent . MedlinePlus MedlinePlus Should I leave my parents' house now or wait a year to live with my boyfriend ? MedlinePlus MedlinePlus Keep in mind - live with my parents is not much fun and I've been living with them to save money , since I graduated from college in 2006 .[View Answers]
How to pay off 25K in Credit? with a Loan?0lephaiis2012-10-19 12:26:29
I know almost nothing about these things , but I need an honest answer . MedlinePlus MedlinePlus My income is around 65 - 70K year. in my 20s . I own my car, paid off ( 25K loan) , I have a student loan is short , but my dad has been responsible for it all the way from the university . I have about 25K in credit debt on a single card , and perhaps a few other cards 3K . Most of its debt rather old since before I was making real money and my living costs were much higher . I have OK credit and without delay . MedlinePlus MedlinePlus I seem to be spinning my wheels because of credit debt and some less intelligent lifestyles . My monthly expenses are about $ 800 - $ 1,000 ( includes some investments ) , ( fancy stuff or not credit payments ) . I can sacrifice some luxuries , but I get to buy a house and save more money sooner than later . When I got my car loan that had a $ 400/month for 5 years of the loan through my bank , my father co - signed . MedlinePlus MedlinePlus What should I do ? Who and where should I start?[View Answers]

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