[Help] Hi, my name is nikki, im 21 years old, and i am im so much debt its starting to drown me ... Updates to this post /post/241727-hi-my-name-is-nikki-im-21-years-o Thu, 03 Dec 2009 05:39:23 +0100 The post was closed by orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-7804991 orlib_luv Sun, 01 Feb 2009 06:08:00 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748638 You are going to have debt for most if not all the rest of your life honey. If you only have 1500 dollars debt then you are golden. I have more than that on just my visa. Plus two cars a morgage and my wife’s student loans trust me 1500 isn’t that bad at all.

]]> khyron32 Sun, 01 Feb 2009 06:03:52 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748629 i didnt say there was a problem, school isnt the problem rite now, my debt is.

]]> orlib_luv Sun, 01 Feb 2009 06:00:45 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748612 Nothing wrong with making it on your own. It means more when you earn your degree knowing you put all the effort into it and didn’t have to rely on others to help you. Whether one talks about financial or educational. It is all the same. Some parents want to pay for their kids schooling others don’t. I think the kids that pay their own way through school and have to learn how to manage their money in order to make it through school come out with a better understanding of how hard it is to make it in the real world. A lot of the kids that have parents pay their way don’t put as much interest into their schooling. They just go through the motions and don’t appreciate what they have earned.

]]> khyron32 Sun, 01 Feb 2009 05:55:57 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748605 and she did it with a husband and 2 kids and house, so its not hard to see why they want me to do it on my own.

]]> orlib_luv Sun, 01 Feb 2009 05:52:14 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748599 her schooling

]]> orlib_luv Sun, 01 Feb 2009 05:50:28 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748576 Sorry hon I don’t get you there, your mum didn’t finish what ? paying off her student loans you mean ?

]]> Sasha101 Sun, 01 Feb 2009 05:36:09 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748561 my mom didnt finish until my senior year, she just did it. and my parents just arent like that.

]]> orlib_luv Sun, 01 Feb 2009 05:28:26 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748556 Personally, Id hate to see my kids leave school in debt up to their necks when they finish college. At the least they could loan you the money interest free if they have it. :-)

]]> Sasha101 Sun, 01 Feb 2009 05:22:18 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748553 Thats all well and good orlib, but things have sure changed since their day, its a whole new ballgame for kids these days.

]]> Sasha101 Sun, 01 Feb 2009 05:20:26 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748549 my grades are perfect, but its taking a while for ppl to get back to me about a scholorship. my parents put themselves thru college and they think i should do the same.

]]> orlib_luv Sun, 01 Feb 2009 05:19:03 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748546 Im shooting from the hip here orlib, but with your parents earning that kind of money, why aren’t they helping with your college ?

]]> Sasha101 Sun, 01 Feb 2009 05:17:21 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748541 The hope scholarship is the lottery money hon. she had to get a 3.0 average in high school to get it .

]]> Sasha101 Sun, 01 Feb 2009 05:15:51 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748538 I don’t even know what a hope scholarship is but I might have qualified for it back in the day had I known what it was.

student loan interest rates vary with the loan agency

]]> khyron32 Sun, 01 Feb 2009 05:14:16 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748537 I take it they are not interest free lol

]]> Sasha101 Sun, 01 Feb 2009 05:13:59 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748536 What is the interest rate on a student load do you know ?

]]> Sasha101 Sun, 01 Feb 2009 05:13:20 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748531 My daughter is in first year of college and has the hope scholarship did you qualify for that ? either of you ?

]]> Sasha101 Sun, 01 Feb 2009 05:11:41 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748530 i do, my parents make over 200,000 and i get nothing. all of those options have been tried since my senior year of hs 3 years ago.

]]> orlib_luv Sun, 01 Feb 2009 05:11:33 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748528 At least I think the abreviation if FICA I know it started with an F :-) man my memory sucks these days… college sucked it all out of me hehehe

]]> khyron32 Sun, 01 Feb 2009 05:10:43 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748523 I filled out my FICA forms like everyone else and turned them into the school. They then pulled up the report to show me all the loans and grants I was eligable for. Every semester I took every grant they offered me and I never used the loans but I was offered about 5000 dollars a semester worth of loans. I just never took them. I lived within my means during college. But had I wanted them I could have taken them.
I went to college at Arizona State University (Go Sun Devils!!!)
So cali isn’t much different than arizona. The rules are all the same. Fill out your FICA every semester before you start school and see what the government says you are eligable for. If you are a full time student you should be eligable for pell grants and loans… Yes loans have to be repaid but not until 6 months after you graduate college. You can use the loans from school to help get you out of your current debt and then pay off those loans before you actually graduate. Most loans don’t mind if you start paying early.

]]> khyron32 Sun, 01 Feb 2009 05:08:04 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748522 Khyron are you sure with these offers you wouldn’t have had to pay them back ?

]]> Sasha101 Sun, 01 Feb 2009 05:07:49 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748521 i wasnt going to have the rent this month anyway, after paying everything i have about 50 bucks

]]> orlib_luv Sun, 01 Feb 2009 05:07:44 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748520 Ok well fixing your current situation is your priority orlib, why don’t you do that throw that rent at the debt, and then sort it all out after that, maybe you can help more at home to make up for it.

]]> Sasha101 Sun, 01 Feb 2009 05:05:47 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748514 u.s. cali

]]> orlib_luv Sun, 01 Feb 2009 05:04:14 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748512 which country are we talking about anyway??? Because every country has different rules

]]> khyron32 Sun, 01 Feb 2009 05:03:24 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748511 Orlib would your family, put your rent on hold for a while until you can get this paid ?

Then I dont understand Khyron how you had so much money thrown at you, student loans have to be paid back. Where were the offers coming from ?

]]> Sasha101 Sun, 01 Feb 2009 05:03:22 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748509 yea, but my parents pay alot to live where we live. they can waive the rent thing for a second, but only until i fix my current situation, which is the problem.

]]> orlib_luv Sun, 01 Feb 2009 05:03:01 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748506 scholarships??? Me??? HAHAHAHA not even I was a retard in HS they wouldn’t have given me a scholarship if I put a gun to their heads hahahaha

]]> khyron32 Sun, 01 Feb 2009 05:01:44 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748503 you just do, ive been spending months trying to get a loan from every angle possible and everytime i dont get it because of ‘insufficient credit’

]]> orlib_luv Sun, 01 Feb 2009 05:01:13 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748502 you probably had scholarships Khyron did you ?

]]> Sasha101 Sun, 01 Feb 2009 05:01:01 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748501 400 a month to live in a bedroom??? Are you serious??? That is a rip off!

]]> khyron32 Sun, 01 Feb 2009 05:00:57 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748498 i live with my fam and i pay them 400 a month

]]> orlib_luv Sun, 01 Feb 2009 05:00:04 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748496 why would you need credit for a student loan???? I was offered tens of thousands of dollars worth of loans when I went to college and I had zero credit the whole time.

]]> khyron32 Sun, 01 Feb 2009 04:59:43 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748494 Do you live alone ? pay rent ?

]]> Sasha101 Sun, 01 Feb 2009 04:59:23 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748491 i cant get rid of my phone, i do everything with it, and that wouldnt be an option. its only 30$ a month. my car is paid off. and i have no credit so this student loan thing isnt really working.

]]> orlib_luv Sun, 01 Feb 2009 04:58:08 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748490 With the lack of interest to pay , you can save money in the bank or wherever, then when you need something the money is there, you go out and buy it, and the pleasure is , you owe nobody any interest on your purchase, hence you are getting it for 15-20% less…. ok read what you wrote there, now if you go in for student loans again you are sinking more into debt, can you put your schooling on hold for a period or not ? this way you could get a part time job as well as the full time one, that debt would be paid off real quick.

]]> Sasha101 Sun, 01 Feb 2009 04:57:53 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748487 get rid of your phone that is a want not a need
if the car is too expensive dump it for something cheap that you can pay off right away
as for school student loans and grants will pay most of your bills.

]]> khyron32 Sun, 01 Feb 2009 04:55:32 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748486 i go to school fulltime, and work as a teacher inbetween that. its a debt i shouldnt have, but i dont even have the money to sue who put me in the situation.

]]> orlib_luv Sun, 01 Feb 2009 04:55:22 +0100 Reply from orlib_luv /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748482 i pay all my bills on time, but someone trying to keep themselves out of jail put my name in return and there was a warrant for my arrest i didnt know about. i ended up having to go to jail for a nite and got bailed out and the case dismissed, but now i have to not only pay back the bail, but the friends and family that helped me that night and i was barely able to pay for things i need to pay for, like school and my car and phone

]]> orlib_luv Sun, 01 Feb 2009 04:52:54 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748479 Take cash from the bank, give yourself a weekly allowance, when you spend cash, you see where your money is going, credit cards only make you overspend, its like a virtual world, you dont realize how much you’ve spent until you get that statement. With cash once its gone its gone, you’ll be surprised how much it cuts back your spending.

]]> Sasha101 Sun, 01 Feb 2009 04:51:53 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748478 As Khyron said, “live within your means” life is not about have now pay later, it always sepells trouble.

]]> Sasha101 Sun, 01 Feb 2009 04:49:23 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748476 Thing is you get YOURSELF into this mess by credit, the only person thats going to get ut out of it is you, there is no hand outs :-)

]]> Sasha101 Sun, 01 Feb 2009 04:48:07 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748475 Shes not answering so I guess shes gone offline ? 1,500 can be paid off in less than a year, to do it you have the throw everything you can at these debts. Stop buying the things you dont need, stop buying take outs, shop at goodwill until you’ve paid it all off, I owe nobody nothing, it can be done.

]]> Sasha101 Sun, 01 Feb 2009 04:46:38 +0100 Reply from littlenick /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748474 We must look like Bill Gates on all our profiles!

]]> littlenick Sun, 01 Feb 2009 04:46:24 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748470 She isn’t responding… just another person who wants someone to give them free money for no work… why do these people come on here? Do they really think anyone is going to just give them money???

]]> khyron32 Sun, 01 Feb 2009 04:45:10 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748466 How much does your job pay ? are you living at home ?loans dont cut it nick she has to get out of the mess shes in now. Shes got herself into it, now she wants bailout its not going to happen sorry. :-)

]]> Sasha101 Sun, 01 Feb 2009 04:43:05 +0100 Reply from littlenick /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748464 I went to the bank to ask them for a zero interest loan.

They had zero interest in giving me a loan!

]]> littlenick Sun, 01 Feb 2009 04:41:47 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748461 ok no you said you couldnt get student loans, so is it car payments? what do you owe on ?

]]> Sasha101 Sun, 01 Feb 2009 04:40:23 +0100 Reply from Sasha101 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748459 What are your debts ? credit cards ? student loans ?

]]> Sasha101 Sun, 01 Feb 2009 04:38:44 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748453 [quote littlenick][quote khyron32]Take a financial management class. Get a better job or barring that get a second job. Join the military. Shred your credit cards… pay them off… never use them again… Stop buying crap you don’t need. Learn to live within your means.[/quote]

No free money from anywhere?[/quote]

what is free money? I have never heard of such things!

]]> khyron32 Sun, 01 Feb 2009 04:34:25 +0100 Reply from littlenick /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748450 [quote khyron32]Take a financial management class. Get a better job or barring that get a second job. Join the military. Shred your credit cards… pay them off… never use them again… Stop buying crap you don’t need. Learn to live within your means.[/quote]

No free money from anywhere?

]]> littlenick Sun, 01 Feb 2009 04:32:50 +0100 Reply from littlenick /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748449 Call a relative?

]]> littlenick Sun, 01 Feb 2009 04:32:20 +0100 Reply from khyron32 /post/241727-hi-my-name-is-nikki-im-21-years-o#reply-4748448 Take a financial management class. Get a better job or barring that get a second job. Join the military. Shred your credit cards… pay them off… never use them again… Stop buying crap you don’t need. Learn to live within your means.

]]> khyron32 Sun, 01 Feb 2009 04:32:04 +0100