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Bo B | Too much debt? |
I am about $40,000 in debt from 5 years of post secondary education. I am 26 years old and make about $44,000.
Do I have too much debt? Anyone have any interesting solutions to bring debt down faster? |
 |
 
RantingLover
 |
Do not settle on this debt!
Even if you've had credit since you were 18, settling on this will kill your credit for the next 5-7 years.
If they're student loans, are you able to make the monthly payments? If so, it's fine that you have that much in student loans even on your income. The interest is probably good and you have a set amount of time in which it will be paid off. That's the same with a lot of people, and no credit company is going to hold educational debt against you.
There's very little you can do to bring down student loans faster because they do have good interset rates already. I wouldn't advise trying to move it to a 0% credit card because you won't get a credit card with a high enough limit and they interest will probably bounce before you can pay it all off.
The way to bring it down faster is to pay more towards it every month. |
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reelchick23
|
Look for loan forgiveness programs. The government has programs for certain professions that forgive part of their loans. Don't use up all your deferments if you don't have to. Always keep in touch with whomever you got the loan from. Even if you pay what you can its better than not paying anything. They will work with you. Sadly, you are like many others that have such a high student loan debt and are not even making enough to pay the debt off quickly. It's always good to try and pay the interest part if you defer it. |
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K L v
|
$40,000 for a good education and degree is reasonable I think. As for too much debt.... this depends on how long your loan is taken over and what the repayments are.
If in Aust is it HECS debt? If so they usually take a part of your income to apply to the debt before you get your take home pay. Tax returns also can go toward paying off this debt.
I see this type of debt as an investment in your future. Therefore it is not a bad debt. Just make sure that you can afford to live by paying off this debt.
Interesting solutions to paying off the debt quicker? Sell items around the home and apply money to the debt. Work 2 jobs. Set up a small business.
As you get more experienced you income will rise too. |
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Filinegro
 |
Your debt to income ratio is 30% of your overall credit score, it's how much debt you house, compared to how much money is coming in and going out each month. Student loans are notorious for having low interest rates already, plus they have relatively small payments already because you have an extremely long time to pay it back. Just keep doing what you're doing, you'll be okay. |
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Wilfred K
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http://ezconsolidation.com provides student loan consolidation. You would get many benefits in that one of which is you can extend your payment upto 30 years. They would provide you loan at a much lower rate than market rate. |
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Jesse M
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Hello there. Based on my experience, yes you have too much debt. One of the best way to settle down your debt is to get a consultation. My big brother was in the same situation a few years ago and thanks to a great consultation he settled his debt sooner than he ever expected. All I can do is recommend you to a consultation site that I think can help you out. They are one of America's debt settlement experts and you can get a free advice from them. Check out the site. |
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Jennifer
 |
Hi,
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://nanoref.com/linksynerg/cjY_5g |
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DAS
|
So this should be student loan if I am correct? Call the company and see if the can defer you debt, and also see if you can make small payments or if they can give you a settlement for a smaller amount, either way make arrangement to pay this debt down. It really doesn't matter if you have too much debt, you have debt you have to figure out a way to pay, and the best way to pay it off and still live within your means and be comfortable. |
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God's dark italian princess
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Try this book Total Money Makeover by Dave Ramsey. It really works!!. It is not a quick fix but with time and persistance it will pay off. it did for us. |
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