Personal Finance Gym sold my bank account to another gym, $500 charge |
- Gym sold my bank account to another gym, $500 charge
- A raise is still a raise regardless of if you cross a tax bracket.
- GF was laid off, employer asked her to come back for a day or two to assist with a small project.
- To all of the 16 to 20 year olds who think you have money, read this.
- Etrade joins the party $0 commission
- Stolen phone number.
- Envelope system working a bit too well, I'm afraid I might be overdoing it
- Overdrawn out of nowhere
- I messed up. Haven't filed taxes for 3 years
- My brother has been using a toll route under my name and never told me. I now have a bill for $2000
- Is it possible to make payments on someone's mortgage without them knowing?
- 23yo. $22,000 in CC debt, $40,000 student loans. $12.50hr, need a plan
- Transferring to Schwab from a free investment platform?
- Does the Dave Ramsey Program work?
- Dad has $100k debt and told me about being able to "sell" his life insurance plans
- TD Ameritrade has now also gone commission-free.
- Does it matter what the interest rate is on my credit card if I never plan on paying any interest?
- What are my realistic options?
- Aging parents have no savings and are in ~$90K in debt. If they sell the house, how can it be properly managed?
- Parents intent on getting a Universal Life Insurance plan. How does this look?
- Sold a car, didn't know credit union is holding the title. How bad will this be?
- Received Job Offer in NYC for &45k/yr
- I will graduate in two years with about 147,000 in student loans
| Gym sold my bank account to another gym, $500 charge Posted: 02 Oct 2019 07:34 AM PDT Hello, I woke up this morning to two separate charges that add up to $490 to my checking account. It was to, let's call it Gym A. I'm not a member there, had to look it up to even locate it. It's in my town. I call bank first thing to dispute the charge and freeze account for fraudulent activity. Since it is a bank draft I need to go to the branch to shut down that account to prevent future withdrawals. I got suspicious and tried calling my gym that I still pay a monthly 11 dollars membership to see if they are affiliated with Gym A. Turns out they went out of business (like I said, I hadn't been there in awhile). I called another branch of my gym and asked if they were affiliated with Gym A. The guy tells me that the other branch sent their members to Gym A after they went out of business. However the charge this morning was roughly 5x what I was paying in a year! My question is, should I go to Gym A to try to resolve this or just let the bank make me a new checking account. A complicating factor is I get paid on Friday via direct deposit and this may be too close to change accounts without disrupting my cash flow. I feel like Gym A acted in a fraudulent manner and that my gym had no right to sell my account, especially my bank account to another gym. Advice please? Edit: If people haven't seen my reply below, here's the gist. I called the Gym that sent the charges. Talked to the manager, he looked up my info was very apologetic. Their system charged me for the last 9 months plus 25 bucks a month late fees. Whether this is true or BS, I don't know. However he said he put in a refund today which should process tomorrow morning. I cancelled my Stop on the original amount which apparently holds up the refund process. Tomorrow morning I should wake up to a refund. I'll update tomorrow. [link] [comments]  |
| A raise is still a raise regardless of if you cross a tax bracket. Posted: 02 Oct 2019 04:14 PM PDT In a state government job, and we all just got a raise. For many in my department, that crossed them into a higher federal bracket. So naturally I heard people agonizing over how it is a "fake raise" I had to explain how it is still a raise. And explain that you aren't taxed 22% on all 40k, you are taxed at 10% for the first 10k, and then 22% for the next 20k, making an over all tax rate of ~13%. I also had to explain that all the 401k and pension withholdings also go up with that raise. So I wanted to take a moment to remind you all that a raise is still a raise in compensation regardless of if you cross in to a new tax bracket. I'm sure there might be exceptions, but not for the average person. [link] [comments]  |
| GF was laid off, employer asked her to come back for a day or two to assist with a small project. Posted: 02 Oct 2019 02:12 PM PDT Girlfriend worked for a small retail / event company (8 people). She, and everyone else, was laid off by the owner with no notice and two weeks severance last Monday. She managed the rest of the team and had a good relationship with the owner. Cut to this week and the owner reached out to her asking to see if she could come in for a day or two to help pull metrics and close a few things out. I told my girl to ask for double her day pay at the very least (she was making around 30 an hour, so ask for 60 per hour). She's struggling to balance wanting to maintain the relationship with this person, as they're a good networking resource going forward, but we also need the money.. and it feels pretty disrespectful for her to ask in my opinion. What should she decide to do? [link] [comments]  |
| To all of the 16 to 20 year olds who think you have money, read this. Posted: 02 Oct 2019 06:27 PM PDT Hi guys. I am a recent college graduate. My first 3 years of college, I thought I was slick. I was living at home, rent free, making good money at a prominent wholesale/retailer. I went to community college. I commuted to school. I thought I had it figured out. I was making 500 to 600 dollar checks on average and I was able to bank every cent of it. When I was doing my best, I had $27K liquid cash sitting there in my money market account. I was feeling pretty smart. I could take all of this money I would have spent on rent and tuition (dad was paying my tuition) and drop it on Prada shades and ridiculously expensive stuff, I built a HIGH horsepower gaming PC, I went to every concert, I took trips to Vegas and other destinations, just trucking through my money and living it up. (To my credit, I was also maxing out a Roth IRA. I was halfway smart). Then I decided to move out. I was sick of my parents and living at home and dealing with their bullshit. I found a shitty place on campus for 475 a month. Low rent, I thought. I signed on the line and moved out. A scary thing for the first time, but trust me. Its awesome. So a few months before I had moved in, I got a new job in a volatile workplace. Long story short, that didnt go as planned and I rage quit one year ago today. Fast forward to the end of my lease, I went 8 months without a paycheck and burned every cent of that 27k. I am currently broke as fuck and I'm back with the parents trying to rebuild. it's going to be at least until spring when I can go out on my own again, and my parents are driving me fucking nuts and their cats are dying and they're also driving me nuts. I fucking hate everything about my current situation. Do not be like me. [link] [comments]  |
| Etrade joins the party $0 commission Posted: 02 Oct 2019 01:47 PM PDT E-Trade (ETFC) announced Thursday that it will eliminate commissions for its clients. The changes take effect on October 7. "With this new commission schedule we are further raising the bar, delivering an unrivaled experience at price points that cannot be beat—main street investors will now trade the stocks and ETFs of their choice for $0," said E-Trade CEO Mike Pizzi in a statement. Read this on cnn [link] [comments]  |
| Posted: 02 Oct 2019 03:45 PM PDT Not sure if this is the right place for this, but thought it may be a useful piece of information for people to have. Sunday evening I received a text message from Verizon wireless asking me to rate my experience with the customer care agent I spoke with. The problem here is that neither I or my wife had called Verizon or spoke to them about anything. I called them, and after 25 minutes on hold, was told that I called, and asked for my phone number to be ported to another carrier, and that Verizon no longer had control of my number. My cell phone no longer had service outside of my home wifi, and they couldn't, or wouldn't, provide me any additional information about this phone call I supposedly made to them. I was finally directed to the fraud department and after a battery of questions they informed me I had been the victim of a "port out scam" and that my identity had been stolen. I had to file a police report and wait a couple days for them to get number back from the other carrier. The other carrier they wouldn't name, only said it was a smaller carrier like boost ect who rents time on the t mobile network. Tuesday evening I received a call from the credit union alerting me someone called, said they were me, and tried to connect my debit card to apple pay. Lucky for us the bank didn't honor this request. So we end up closing all of our accounts, opening new ones, getting all new cards, the whole nine. Changing all passwords to everything, it's a real pain in the ass. Today Verizon informed me that they had got my number back, and everything was good. They still couldn't tell me how this person fooled them into giving them my account number and them allowing the fraudster to steal my number. Apparently the scam is to get your phone number, then use it to get all of the two factor authentication messages and use them to change your bank passwords and wire out all of your money. I was completely unaware that someone could steal my phone number. The bank informed is to use our emails instead of od our phone numbers to receive the two factor verification messages. Just a heads up to everyone this is apparently a fraud that is growing in popularity. I was told we were lucky, as no actual money was taken, but the bank manager said that last week this exact thing happened to someone else, and they cleaned out her whole account, close to 20k in a matter of minutes. We've been conditioned to believe that everything we connect to our phone number is safe, and maybe it used to be, but it isn't the case anymore. Anyway just a heads up, stay safe people. [link] [comments]  |
| Envelope system working a bit too well, I'm afraid I might be overdoing it Posted: 02 Oct 2019 05:07 PM PDT Household of four, (two toddlers) single income ($75k/yr). So I started using an envelope system (started it with physical envelopes before i moved to creating a bank account and tracking deposits and expenses on a Google sheet) to help manage our family finances and although it was a bit tough at first to set aside almost 40% of my net income into a separate account I realized the benefit of this system almost one year in. I now put aside $3000 per month to cover recurring bimonthly, quarterly and annual expenses we have to pay (kids school, taxes, insurance, vacation etc...). I decided to include in there any expense above $200/year and that is not necessarily due on monthly basis such as monthly electrical bill or internet fees since those are budgeted and paid for from another checking account. The way I got to $3000 is after I by estimating my annual expenditures that fall under the above description and then dividing it by 12. Although imperfect, the system is proving to be reliable as I have been smoothly and successfully financing and paying for expenses budgeted under the envelope system for more than two years now. Also what is happening is that I am finding myself with a relevant excess during most months which I guess is because I am linearly depositing a fixed amount every month in that account. On the other hand we are finding it difficult to make ends meet with the remaining disposable income in which case I am finding myself obliged to eat a couple of $100 from the monthly $3000. Is there another way to manage these accounts payable that you do or recommend that might help me improve my system? I realize that it's very positive to have an excess in my account but I do have another savings account for emergencies, so I am thinking that a smarter and maybe variable deposit strategy might lead to greater disposable income that would release the pressure on the family? Thanks! [link] [comments]  |
| Posted: 02 Oct 2019 08:08 PM PDT Okay so as of right now I'm $-982.52 overdrawn and here's how it happened. I had $15.52 in my Chase bank account on Monday, my mom sent me a deposit check of $1,000 bc I had to pay a payment plan for college. First red flag is that she sent the money the day before it was due which was Tuesday yesterday. So on Tuesday I see that the $1,000 is in my present balence instead of my avaliable balence so I thought it was a good idea to pay through an Eletronic Check and I paid it. This morning, I got an email from Chase saying that I'm $-982.52 overdrawn and that scared me. So my avaliable is -982.52 while my present now is $17.52. Would my mom have to send me another $1k to get me out of the overdrawn or is there another solution? I'm kinda freaking out right now, I need help. [link] [comments]  |
| I messed up. Haven't filed taxes for 3 years Posted: 02 Oct 2019 04:44 AM PDT First off, throwaway. Second off, I know I am not smart with regards to this matter but please help and keep the negative to yourself. Ok, so like it says, I have not filed taxes for 3 years now. First it was a lot of personal issues then this year I meant to but just was scared and didn't know where to start. I have a decent job and need to figure out how to get caught up. Where do I even start? Do I walk in to an H&R Block and say I'm dumb, please help? My mom was an accountant and always did my taxes but she got sick and my life turned upside down at that point and didn't even think about them. Please offer some advise. Thank you for your time! [link] [comments]  |
| My brother has been using a toll route under my name and never told me. I now have a bill for $2000 Posted: 02 Oct 2019 03:54 PM PDT using my throwaway because he knows my account I woke up this morning from a phone call and turns out I have a bill for $2000 under my name. It's for this toll route and every time you use it they bill your license plate. Now, the account that my brothers car is registered to mine and he assured me he has been paying his bills. We weren't getting any notices or bills to the house so I wasn't worried. Now I get this along with an email, I check and the original bill was $500, but with interest it has now accumulated over $2000. It turns out my brother has been hiding the mail. He's been hiding the bill and even changed the password on my online account. If I knew that there was a bill I would have paid it on time. I want to contact the company and ask them to remove some of the interest. I'm wondering if it's best to explain the situation honestly (ie telling them my brother screwed me over). Or am I completely screwed and have to pay $2000. Tldr; brother used a service under my name, hid the bills from me and have accumulated interest. EDIT: he did not open an account in my name. I have a transponder which tracks every time you go on the toll route. He uses it. He assured me he's been paying the bill. You can pay online through the web account. If you have any outstanding balances they send you a mail with the bill. EDIT 2: okay thanks for your help guys. I can pay the bill in full, it's just frustrating with all the interest and even more frustrating that this wouldn't be an issue if he just told me he wasn't paying the bill. If I knew he wasn't paying it I would have done so. I'm going to contact the company tomorrow and just be honest about the situation. I know it's my fault so not expecting anything much. :/ [link] [comments]  |
| Is it possible to make payments on someone's mortgage without them knowing? Posted: 02 Oct 2019 08:24 PM PDT A couple days ago I overheard my parents talking about their debt I heard the amount and heard my mom in tears. I heard my dad trying to comfort her by saying he will pick up over time. He already works close to 70-75 hours a week and my mom is talking about getting a third job. Its putting a strain on their marriage and I can't let that happen. I have tried to offer help in the past but they are too proud to accept help all they say is no we won't take your money spend it on yourself go have fun but I can't do that while they struggle to afford to live. Is there any way to make payments towards their mortgage or debt? If so how? [link] [comments]  |
| 23yo. $22,000 in CC debt, $40,000 student loans. $12.50hr, need a plan Posted: 02 Oct 2019 12:11 PM PDT Recent college graduate working at a convenient store. I'm looking at taking the next step in life (currently in a longterm relationship- interested in marriage and home purchase) but realize it is completely unachievable with my current situation. How'd I get here? Mainly it boils down to a complete lack of self control. I was living above my means throughout college, and also carried the "treat yo self" mentality daily. On top of this, I believed if I could still afford my monthly minimum payments, I was fine. This short sightedness has ruined what would otherwise have been a great opportunity to save money for several years as I still live with my parents. My current monthly expenses - $100 gas Thats it. Current credit card situation
5 B- $847.36, MD- $28
Total Balance- $22,717.33 Total Minimum per Month- $742.60 Average pay check, 75hrs @ 12.50 = $750 after taxes. $1500 a month. Checking account balance- $900 Savings account - $0 Student loan repayment begins at the end of the year. Projected payment is currently $190, which is the lowest payment possible and results in the most interest. I consider myself to be financially ignorant but have begun research on how to further tackle the issue. What am I currently doing to resolve the situation? -I no longer carry any of my credit cards with me -all credit card info has been removed from various sites I would actively spend money, as well as all recurring payments canceled -started tracking my day to day spending last month and found some areas that I can greatly reduce money outflow (eating out). -actively seeking a higher paying job -started selling some items online. This is unreliable, and I do not feel it can be factored into monthly income. Best repayment method? I was considering the snowball (interest rates are all 20%, +-2%) Should I consider a consolidation loan? Should I be trying to put something into my savings? Is it possible to defer student loan repayment? Should I consider this? Any financial resources would be appreciated. Thank you for your time. [link] [comments]  |
| Transferring to Schwab from a free investment platform? Posted: 02 Oct 2019 06:43 PM PDT I'm curious as to those who are currently using a free investing platform and are movinng accounts over to Schwab? Why or why not? I'm considering moving my taxable brokerage account from M1 Finance to Schwab. (Now that Schwab is free) [link] [comments]  |
| Does the Dave Ramsey Program work? Posted: 02 Oct 2019 03:42 PM PDT First time poster to personal finance. This may have been posted previously by another individual but not sure. For someone that makes 135k a year, has 61k in debt (some which has high monthly payments) and 3 kids at home still would this be a viable program to help get better control over ones money? This debt does not include a mortgage. House is 1,900 a month. I have never been good at managing my cash so am trying to find ways to better myself in this area. Obviously paying down the debt is the largest concern. Thank you all in advance! [link] [comments]  |
| Dad has $100k debt and told me about being able to "sell" his life insurance plans Posted: 02 Oct 2019 07:14 PM PDT Does anyone have experience with this? He essentially explained that he can sell one of his 2 plans to certain business that will give him up to 40% the value of the plan in cash. Said he saw it on TV. If this is a legitimate thing and he can actually cash out one of the plans now I would prefer he do that as he is now 70 and still working trying to pay off this debt he has accrued. But I am also skeptical because it sounds a bit like a scam. I just want him to retire but he believes he is unable to with his $100k debt. Since he doesn't really have any savings his only income is a rental property and social security as well as working almost full time. I'd also imagine there's tax on this but I really don't know anything about this as it's just something he suggested to me. Im 22 so excuse my ignorance on these topics. [link] [comments]  |
| TD Ameritrade has now also gone commission-free. Posted: 02 Oct 2019 04:06 AM PDT https://www.tdameritrade.com/why-td-ameritrade/free-stock-trading.page Following suit after Charles Schwab's recent announcement, TD has now also gone commission free for equity trading. I'm only sharing because I find TD's trading tools, especially ThinkOrSwim, vastly superior to just about anything on the market. [link] [comments]  |
| Does it matter what the interest rate is on my credit card if I never plan on paying any interest? Posted: 02 Oct 2019 12:40 AM PDT I've had two credit cards for several years now and I'm honestly not sure what the interest rate is on one of them, but I know the one is around 25%. Does it really matter what the actual rate is? Does it make sense to "shop" around for a lower rate card even though I never have and never plan on being subject to paying interest? (I pay my balance off in full each month) Thanks for any advice. [link] [comments]  |
| What are my realistic options? Posted: 02 Oct 2019 08:34 PM PDT Okay I will try to keep this as brief and summarized as possible, looking for any and all input / suggestions. 28 years old, no children, not married. I work in a data entry office job in accounting. I have no college degree, and make $15.45 an hour. I bought my own house 2 years ago next month, for $70k, and put $20k down on it. My mortgage is very affordable and I even pay extra on it each month, at least a double principle payment. On top of this I also love to dump extra money into a Vanguard roth IRA my work doesnt have 401k, but I have around $15k saved in there as well. My car is a 2014 with 40k miles on it, so I think it will hold up just fine for a while longer, but either way it is fully paid off as well. I have zero debts, all my credit cards are balance of 0, my credit score is above 800. I also have the "nest egg" off cash in an Ally account set up as a CD ladder with around $15k in staggered CD's that I just constantly revolve and keep the passive ~$40 a month.. eh it's money right? I also have a gf who lives with me, who more than pulls her own weight, by contributing towards the bills, buying groceries, etc, and is essentially in the same exact situation as me, in all regards. My question is; what can we do from here? Like we have both been job hunting for over a year, but nothing seems realistic without a degree and anything hiring without degrees is as dead end as where we are now. If schooling is the only option, are there actually any online degrees that would be worth the money or time? I don't see us doing a full time 40 hour school week on a campus while maintaining a home and being almost 30. Like I said, open to all advice or suggestions, Thanks!!! [link] [comments]  |
| Posted: 02 Oct 2019 12:11 PM PDT Hello there. This is my first time posting here but I searched "parents" in this sub and was simultaneously disheartened and relieved to see that this is a pretty common issue amongst us "millenials" but, at the same time, I could probably glean some helpful advice. I currently live in South Florida with my parents [early 60s] whom I'm growing increasingly worried for because I believe their financial situation is untenable. My parents are immigrants, worked incredibly hard for decades from making minimum wage in clothing factories to being self-employed in the transportation business, which is now in the coffin thanks to ridesharing technology. My parents do not have any formal education so their skillset is basically limited to menial labor. Both of my parents have health issues typical of their age bracket (diabetes, high cholesterol, joint pain, etc.) but are still working in the transportation business. In their efforts to keep the business afloat, they have accumulated about $60K in debt, with an additional $30K in consumer/personal debt. To keep up with their expenses, my father has started collecting his SS check which is around $1K a month. My father is working harder than ever, spending nights driving around and day by day I grow more worried that his body will just suddenly give out. My mother, as strong as she is, is not invulnerable and can no longer haul heavy luggage and currently has issues with her vision that makes driving even more of a risk. The only saving grace that I can see is the family home they currently reside in with my maternal grandmother. Other than a home loan (added to annual property tax) for a major roof repair, the house is paid off. The current value should be at least $400K. My idea is that they sell it, pay off the $90K in debt, purchase a condo in a nice 55+ community for at most $150K and live out the rest of the years free from the stress they're currently in. My only question is: how can the rest of the money (~$150K) be safely managed? Can some of it be placed in a trust that'll give them ~$2K a month and the rest invested in some conservative/safe mutual funds/bonds? Is there any alternative to my plan that would be more beneficial? TLDR: Parents in their early 60s have $90K in debt with no savings and are struggling financially. My idea is for them to sell their paid off house (valued at ~$400K), pay off the debts, and buy a condo in a 55+ community. How can they manage the rest or is there another way? [link] [comments]  |
| Parents intent on getting a Universal Life Insurance plan. How does this look? Posted: 02 Oct 2019 06:51 PM PDT I know Universal Life Insurance is not really worth it, but they say it is a form of investment to them because they will get to retire and get money every year and also leave some money for the family when they pass away. This is how the plan looks currently. I know ULI is generally not a good deal but can you guys offer some alternatives for their situation? They have no idea where to invest their money. Although I did not like Universal Life Insurance plan, when the insurance agent came over with this plan even I am convinced. Will it be as good as it looks? [link] [comments]  |
| Sold a car, didn't know credit union is holding the title. How bad will this be? Posted: 02 Oct 2019 06:13 PM PDT Throwaway for obvious reasons. tl;dr - Unemployed. Sold car for $15k, paid credit union (PenFed) $4k to pay off the loan, $2000 on bills, CU is holding title until I pay $15k CC in charge off (still with them). Can't buy car back now, can't pay CC. I'm screwed, what happens next? Well, I have completed the personal finance tour de stupid. 2 days ago, I thought, cashier's check in hand, that I was going to pay off my auto loan, bring my CC current ($1300), pay my friend ($900), and start unscrewing my life. Interview clothes, certifications, etc. I'd talked to PenFed a few times about selling the vehicle and bringing the CC current, for context. The day before the sale, I called in and verified the payoff amount and that the loan was in my name for a buyer. Then, I called in and paid the loan off (clearly indicating that it was a sale), paid the loan off, and then was informed that I wouldn't be receiving the title due to the CC in charge off, which had been set as a charge off about 3 business days prior. I was completely ignorant that this could or would happen. I should have... asked someone? I'm not sure. Read the T&C, I guess. I didn't know to ask. According to PenFed, I've screwed myself without recourse. I've spent hours on the phone with them and my only options are: Settle - may not have the money to meet their requirement, will take 30-45 days for a response, buyer will be without title for almost 2 months Pay the balance in full - Will not be able to find $6k in 10-20 days (to get the buyer a title in a reasonable timeframe) Let it sit in collections and maybe it will get sold (they say this will release the title to me) - I actually want to pay the CC off and I don't want to screw the buyer Pay 2% for 6 months, at which time the CC account will be taken out of chargeoff - buyer still screwed None of the options I can fulfill get the buyer his title and, honestly, I really just don't want to screw the guy. I also /want/ to pay the CC, but I can't pay it in full right now, though I'd love to pay a few thousand (that I actually have) against it, both because that's what I had planned and, yes, this title problem is a problem. I have nothing to sell that would remotely make up the difference to pay off the CC. I have asked to pay thousands just to bring it out of CO, but they refuse to accept that (and I understand why, I'm a risk). They advised me to assuage, or 'pay off', the buyer for a while until I can 'figure it out'. I have no family to borrow from and no way that I can think of short of criminality to find $6k in a few days- (not because I've ever screwed them, my family just doesn't do that). I think I've screwed up completely. And, far worse, I think I'm going to inadvertently screw the buyer of my vehicle (at least in the short term. I'll do whatever I have to to make it right in the long term). Is there any hope for me to get this guy his title? I would do almost anything to have it to him in a reasonable timeframe. I've been frantically looking at options to make enough to pay the loan off. I can find a grand or two in a week, possibly, though I'll end up penniless and that still won't satisfy PenFed. What should I do? What would be the best course of action? I've never dealt with anything like this and I don't have anyone to ask who knows any more than I do on the subject. I'm also honestly not able to think clearly at the moment. EDIT: Thank you all for the responses, including the criticisms. I am reading them all now. I do want to clarify that I indicated on the bill of sale that there was a lien and that I did not have the title. EDIT2: The buyer has the car [link] [comments]  |
| Received Job Offer in NYC for &45k/yr Posted: 02 Oct 2019 01:43 PM PDT Hello, I am a recent college graduate from Philadelphia and I have received a job offer from a company in New York City I really want to work with. If I accept I will start January 2020. However, I am unsure if 45k/yr will cover all my finances. For example, I would prefer to live in the city and have estimated that I would ideally pay 1,000-1,200 per month. Also, since I am just graduating, I will have to pay my student loans so all of my debt will come to about $300/month. I completely new to NYC so I would like opinions or advice to see how realistic it would be for me to move this winter before I accept this job. I spoke with a few colleagues who said I would have to budget myself carefully but I would like a few more opinions before I commit. Also, any advice on budgeting will be greatly appreciated! Thanks in advance! [link] [comments]  |
| I will graduate in two years with about 147,000 in student loans Posted: 02 Oct 2019 04:29 PM PDT Hello I made a new account because I am ashamed of my financial situation right now. I decided to enroll in a Masters program from an IVY University and I just now did the math. By the time I graduate I will owe about 147,000 in student loans. I am scared of how I will even begin to pay this off and currently have no clues. I am barely into my first semester and already my loan amounts including those from undergrad are about 49,000. Has anyone ever been in a similar situation? And if so what advice would you give. EDIT: Masters program is in Epidemiology and at the Masters level a realistic salary is anywhere from 68,000 to 80,000 which is a huge range I know but I think this is pretty accurate for the field [link] [comments]  |
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