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Grads Buried in Student Loan Debt, but Unwilling to Give Up Luxuries
a_wack_poster;9253286 said:Had 2 student loans out, one for bout $3700 and another for $5100 with all the added up interest. Ignored all the phone calls and letters to the house. One morning I got fed up with em waking me up out my sleep and told them I aint paying shit and you just gonna have to take it.
Week later them motherfuckers garnishing my check for the first loan. Check looking light as a feather after that extra deduction smh. Them niggas cut me and left me on a slow bleed for that first $3700 that I thought I was good when I finally paid it off. Nigga felt relieved, went out to celebrate.
Month later they hit me with the Billy Mays "BUT WAIT, THERE'S MORE!" letter. They told me I got 30 days to pay the full $5100 or they contacting my employer for garnishment.
Been on Jordan Cry Face all year looking at my check stubs dog. Fuck student loans.
Call den folk and do a forbereance or income based payment asap
jetlifebih
New member
Mane I owe the irs for 2014 taxes...how long I got for they come after ya boy?
NothingButTheTruth
New member
And I suggest everyone pay their bills. Why would you borrow thousands of dollars and then not answer the phone when niggas call to pick up the agreed upon payment?
Who raised you niggas? Where's the personal accountability?
Just admit that YOU fucked up and pay them their money.
Who raised you niggas? Where's the personal accountability?
Just admit that YOU fucked up and pay them their money.
white sympathizer
New member
Thats whats wrong with you people, you dont take responsibility for being stupid, wanna buy js oweing tens of thousands in debt to credit cards and student loans, absolutely reprehensible.
2stepz_ahead
New member
jetlifebih;9254544 said:Mane I owe the irs for 2014 taxes...how long I got for they come after ya boy?
under ,$10k you might have wiggle room. call an set up arrangements .
if they have to come after you...it eont be many options...
get ahead of it...
even if you can't pay. talk to them
Young_Chitlin
New member
A deferment is a solid option too.. didn't pay a dime for 6 months
dallas' 4 eva
New member
*glad he never took a student loan post *
numbaz...80's baby
New member
Black_Thunder;9254677 said:Thats whats wrong with you people, you dont take responsibility for being stupid, wanna buy js oweing tens of thousands in debt to credit cards and student loans, absolutely reprehensible.
Those aren't facts....
Just ASSumptions
numbaz...80's baby
New member
jetlifebih;9254544 said:Mane I owe the irs for 2014 taxes...how long I got for they come after ya boy?
Just call em and tell them you need some more time and they won't hold your income. They'll push the payments back about 6 months. I've been doing that for 6 years now. Fuck them and fuck everything they stand for.
Powerful thread, i read every word.
If anything we just cant let the next generation fall into the same trap; we have to grow into elders, not just old men.
I did the 4 year thing until sophomore year, built about 3k in debt before i left and went to this 2 year vocational. Graduated with my AAS in process tech and paid that loan off that year.
Just paid off my wife car (06') and going to finish mine off (13') in december.
One thing that helped me i feel, is that i can not STAND to owe people. I can literally feel the shackles man, even owing someone $20 when i was younger used to make me feel bonded. I would up it as soon as i got it.
The only debt i will have next year is my mortgage. I will never buy a brand new car again.
My son and future children wont have to START OFF in a hole, so hopefully they can pay that forward and my family name can generate some generational wealth.
If anything we just cant let the next generation fall into the same trap; we have to grow into elders, not just old men.
I did the 4 year thing until sophomore year, built about 3k in debt before i left and went to this 2 year vocational. Graduated with my AAS in process tech and paid that loan off that year.
Just paid off my wife car (06') and going to finish mine off (13') in december.
One thing that helped me i feel, is that i can not STAND to owe people. I can literally feel the shackles man, even owing someone $20 when i was younger used to make me feel bonded. I would up it as soon as i got it.
The only debt i will have next year is my mortgage. I will never buy a brand new car again.
My son and future children wont have to START OFF in a hole, so hopefully they can pay that forward and my family name can generate some generational wealth.
jetlifebih
New member
numbaz...80's baby;9255362 said:jetlifebih;9254544 said:Mane I owe the irs for 2014 taxes...how long I got for they come after ya boy?
Just call em and tell them you need some more time and they won't hold your income. They'll push the payments back about 6 months. I've been doing that for 6 years now. Fuck them and fuck everything they stand for.
I'm about to call em now, so I need an excuse? Is college student good enough?
jetlifebih;9255966 said:numbaz...80's baby;9255362 said:jetlifebih;9254544 said:Mane I owe the irs for 2014 taxes...how long I got for they come after ya boy?
Just call em and tell them you need some more time and they won't hold your income. They'll push the payments back about 6 months. I've been doing that for 6 years now. Fuck them and fuck everything they stand for.
I'm about to call em now, so I need an excuse? Is college student good enough?
Just tell them u having some financial difficulties. U can defer ur payments or get a forbearance.... last resort is financial Difficulty and they push it back a year. Only thing is that sometimes they want ur tax return info and I don't like giving all that out.
EmM HoLLa.
New member
Forbearance is the way to go man.. I did that shit for a good 5-6 years after graduation.. The interest will continue to accrue though so keep that in mind...
stackmaster 313
New member
Didn't pay them in 8 years came off my credit report im good now almost at 800 score. Y'all will figure it out one day keep at it.
the dukester
New member
mryounggun;8927624 said:Some people like nice cars and have no problem paying a note each month. I can't say that's stupid.
I remember the first car I bought.
Didn't know shit about credit, financing, or how down payments are determined.
Snake oil salesmen showed me the car. And instead of looking or listening to the engine, all I wanted to hear/see was the sound system.
Got saddled with a 5 year, $400.00 a month note at 18% financing. Got over when the police totaled that joint chasing some niggas in a stolen car.
Young_Chitlin
New member
@mryounggun I understand your opinion and I respect it , pero that car note could be used for more important things like retirement or investments if it never existed
the dukester
New member
skpjr78;8924404 said:Fuck college. You can get just as far if not farther in life on licenses and certifications which are much cheaper and in some instances free.
But you need the degree to get you past the resume software prompts.
They got shit rigged.
