How much credit card debt do you have?What about other debts?I have 33k in student debt, it'll be around 38k by the time i graduate next year.that's it.... that's all my debt. I have never had a credit card, I'll get one this year that I will pay off every time, because i have zero credit history and that's probably not great.My car is a 2nd hand Honda Jazz/Fit.
>>6167290010k on my car and thats itHoly fuck who is going into student debt in big 2026. You are fucking retarded and deserve to be goycattle for life. Its over for you before it started if you fell for the college scam
>>61672904I had 26k of debt and a bachelors of IT I've never used, but I've been teaching ESL and decided to get my masters of teaching. You need the degree to be a teacher, and it's 80k starting, going up yearly.
buy stuff I was gonna buy anyway (groceries and gasoline and stuff) on credit card, pay off every month.mortgage has $33k on it I thinkjust got a car, put 20% down, financed 20k for the better "finance" price, will pay it off soon.so 53k debt total I guess right now.Household income is just shy of $220k so whatever
>>61672900>>61672904>>61672913>>61672926Is this the comfy HR roastie hate thread of today? I'm ready Post the friendly HR advice webm
>>61672913>cope cope cope>once i get my masters Ill make 80kHeard it 100x before. 80k is 5k a month take home, youre spending 1k of that on student loans for the next decade. You are fucked, good luck
>>61672943no, 80k is the standard starting salary of a teacher... and the student loans go up with inflation. not everyone is American. actually, if i go the next state over, the starting salary is 90k now
>>61672900Can someone explain to me how people got their minds melted so badly that they consider getting debt for studying, a car and a home all so that they *might* get a job to pay it all off with interest a healthy way of life?It wasn’t even that long ago that usury like this was illegal
>>61672943why did my ID change? i'm logged into a 4chan account...anyway, this degree i'm getting for 12k or so will take me from being on 40k teaching ESL to 80-90k starting. After a few years, and maybe some more discounted degrees (this is a government subsidised degree, 12k instead of 50k) i will be able to teach at an international school.
>>61672969>debt for a cardumb, the car depreciates. But you NEED a car to work and live, so getting a loan for a cheap car might be worth it if you literally can't afford 5k for a shitbox. That 5k loan will mean you can work, so it will pay for itself. Debt for studying depends. 12k for a degree to literally double my income makes sense. but too many people take out 100k+ loans for jobs that don't pay enough to pay it off, or get degrees in bullshit. Loan for a home? compared to returns in stocks, home buying has become speculative and unreliable.
>>61672900$0 consumer debt$150k student loans that will be paid off in late q4-26 or early q1-27.
>>61672969You thought it was an exaggeration to call these "people" niggercattle? 40% of american whites will call you a nazi if you question their right to be ripped off by jews and browns
$9k debt last I checked. It has probably grown considerably with interest but I don't have domicile in the US anymore and I left the country. Never planning to pay it back.
>>61673005they're not being ripped off. nigger cattle created this situation by bidding up the cost of goods and services with borrowed money.
>>61672900>We put women in charge of hiring.What have we done bros
>>61672969Nigger your ancestors sold themselves into slavery in a hostile foreign land for 7 years so, if they survived the boat trip, disease, and hard work, they had a chance of being free and owning a bit of plans.Student loans are super easy mode.
$45k student loan debt but it's 0% interest so idgaf and pay the minimum every month. Bought my car outright for $15k. No other debt but I'm a renter poorfag
>>61672969>Can someone explain to me how people got their minds melted so badlyMost people are not brought up through their teens with healthy financial advice. Credit, credit, credit is heavily incentivized in the US as early as high school. Build your credit history, it's fun! For the average American, their first loan will be around that age for co-signing on a car they don't need and can't afford because "that's what everybody does" in the car based society. Then the collective mind wonders why most people can't afford homes when they start the early productive years of their life around poor financial decisions, that in most cases haunt them for decades to come.Financial advice (like online security/privacy) are not taught as broad subjects in public school. They are barely even touched on as bullet points so most of the responsibility lies on the parents. If the parents also live with lifestyles they cannot afford, it kind of perpetuates the cycle.
Are people on this board actually so retarded that they don’t understand you cannot get a job without a college degree? Even jobs that don’t require a degree level education, you need one
>>61673810college is for trannies and leftist my brother's dad's dog's second cousins does underwater offshore space ship welding off the bering strait makes $600k a yr only works 3 months a yr NO debt an ddropped outta school with GED only btfo collage fags
>>61672904What do you suggest you almighty nigger? Slave away at the trades?
i have no debt whatsoever
>>61672900$14k on a car that I just bought. I have more than that set aside in a CD & bond ladders just for paying that offm separate from my other savings. Other than that, no student debt or anything. Just incidentals on my credit card that I pay in full every month (gas, groceries, etc)
Just 25k for student loans from 15 years ago which I continue to not pay. I've been on and off in school using various GI Bill and other welfare queen benefits for years and by timing the grace periods and my employment right I haven't had the loan accrue interest or made a payment or paid for school in the last 6 years. By the time this shit is done 25k will be the standard monthly salary.
>>61672900I'll say $0 credit card, since I pay it as I spend.nothing else except about $1m mortgage.$325k+ income. will depend on bonus.
>>61672900Yeah I need a job to survive, dumb cunt. A job is not like a one nightstand or some shit.
$8k left on my student loans. I don't remember what the balance was when I graduated, over $20k. During COVID I was gambling on mass loan forgiveness. Should have refi'd, I think they were offering 1-2% interest. But because I didn't, I have been making standard payments and knocking out the higher interest lines with lump sums over the last few years. My degree got me my entry level low paying office job and has never been mentioned or "used" since. American higher education is a scam and nothing kneecaps young people trying to establish their lives like a usurious $20-40k debt.Honestly I feel like garnished 0% interest payments for a fixed repayment term makes more sense than usurious interest and giving people the "option" of paying, but no ability to discharge the loans in bankruptcy. If the repayment is guaranteed, there is no risk, and therefore there should be no interest.
