Hey, I’m not sure if this is the right place, but I have a quick question. I co-signed an auto loan for my ex-fiancé, and now I’m wondering how I can get out of it. Should I contact the bank directly, or is there another step I should take? Thanks in advance for any advice!
I have about $38,000 in mixed debt. Two credit cards, a personal loan, and a car note. Not in crisis but not making progress either.
Someone suggested I talk to a financial advisor but I am skeptical. Feels like they are going to tell me to spend less and pay more, which I already know.
Is there a scenario where paying for advice is genuinely worth it at my level or is it mostly useful for people with investments and complex tax situations?
Pulled my credit report last week and found a private student loan for $7,400 in collections. Two years old. I moved twice and changed emails and genuinely lost track of it.
Can I settle for less than the full amount? Will paying it help my credit at this point or is the damage already done? Should I contact the collector directly or get someone else involved?
Completely lost on where to start.
Hello,
I’m reaching out because I’m in a very difficult and unexpected situation, and I’m asking for help with an emergency loan of $1,500 to cover my rent and basic bills.
I recently lost my job under extremely distressing circumstances. I discovered that my employer had been secretly recording me in a private area where I would change into my work uniform during my shift. When I confronted him, my hours were immediately cut off and I was wrongfully terminated without warning. This happened after years of patiently quietly enduring unfair treatment at work.
I have since filed a formal complaint with the California labor board for wrongful termination, unpaid wages, and serious workplace violations. My case is strong and all is fully documented, and I am expecting a hearing within the next 45 days. Based on California labor laws, I am entitled to years of back wages and damages, which I expect to receive immediately after the hearing.
Right now, though, I had no time to prepare for this sudden loss with having no income . I’m simply trying to stay housed and stable while I go through the legal process as the Bay Area is very high cost of living.
If you are willing to help, I can repay $2,000 by June 5, 2026, through any method that works best for you (Cash App, Venmo, Chime, etc.).
I truly appreciate you taking the time to read this. Any help during this moment would mean more than I can express.
Thank you again and god bless you!
I'm planning to enroll in a CRNA program, but I don't yet have ICU experience. This feels like the perfect time to focus on saving for my education. Next month, I’ll transfer to an ICU role and plan to work there for three years to strengthen my application.
Now, I'm torn between two options: Should I continue maxing out my retirement and savings accounts like my Roth IRA ($7,500), HSA ($8,750 for family), 6% 401(k) match, and 529 plan or should I pause contributions and just put all my extra money into a high-yield savings account? If I go the savings route, I estimate I’ll have between $200k and $250k by 2030, but that money would just sit there until I start school.
A bit of context: I don’t have any debts, I rent a 3-bedroom apartment for $2,100 (utilities and parking included), and I have an $18,000 emergency fund in my HYSA. My hospital will cover 100% of my tuition, but I’ll still need to pay for living expenses and insurance during the three-year program.
I could really use some advice should I keep investing, or focus on saving?
Applied for a $12,000 personal loan to consolidate credit card debt. Score is 690, employed full time for three years, income $58,000. Got denied.
Rejection letter mentioned debt to income ratio. I have about $24,000 across three cards and a car loan. Is that what pushed my DTI over the limit?
I thought 690 was enough to get approved somewhere. What are lenders actually looking at beyond the score?
Bought my car 14 months ago when I knew a lot less than I do now. Paying $487 a month on a $22,000 loan at 11.9 percent. The interest portion is painful to look at.
My score has gone from 631 to 688 since I took out the loan. Is refinancing worth pursuing now? What rate should I realistically target in the high 680s?
Feel like I am just throwing money away every month.