I have Crushing Student Debt and Bunk-Ass Credit, What do I do?

Did you pick journalism or theater arts as your major?
 
No easy answers on the student loan repayment... but for your credit, open a card, use it and pay it off every month. It's the revolving credit accounts that really affect your credit score. Pay the bare minimum on the student loans if you have to, either way, that's not going affect your score really. Neither does car loans.
 
I have a 785 credit score without any credit cards besides my bank card. You don't need them to have good credit.

True. I think idea you need a credit card to have a good credit history has caused more bad debt than any other idea in history.

A simple phone contract is enough of a credit history without the risk.
 
90k student debt
broke ass credit

1. How do I pay these off most effectively?

2. I need to make secondary income apart from my job, any ideas?

3. How do I improve my credit score quickly?

Move to a 3rd or non western world country to teach english. You will get paid above what average people make (at least in asia and parts of europe). The money is not amazing by American standards but purchasing power parity is what really matters.

Learn the language. After a few years get residency. Boom. New life. Fuck paying your debt in US. Forgo it. It wont matter if your credit is shit if you dont plan to return.
 
Unfortunately you bought the false bullshit, they hooked you, brainwashing worked.....Now the only answer is to fully accept your enslaved lot in life for the next 45 years....good luck.
He's for sure got a shit degree if he's just realized it won't pay half as much as he thought it would, how the fuck do you rack up 90k in student debt in the first place is beyond me. Unless you're going through med school, this is entirely your fault, you didn't do the research and you took the bait. Most schools don't give a fuck about you, you are just a way for them to turn a profit. You might as well cut your losses and switch to a skilled trade where you could start at 40k and make your way up to 6 figures in a matter of a few years.
 
I fucking hate vague threads. How can there possibly be an answer without knowing current profession or salary.

Im glad i have $0 college debt, my wifes is $20000.
his degree doesn't offer ample opportunity based on his feelings
 
Ill never understand what kind of career demands a graduate degree, but doesnt pay you enough to pay off debt to get said degree.
You'd be surprised, people think they can go out make 6 figures with a women gender studies degree. I actually met one of those people in real life.

But in actuality, ever job for every single degree out there is enough to pay for your education, granted you go to a school you can afford to pay off while going to school. The fact that homeboy even mentioned video games makes me think he's blindly gone off to school because of his parents' wishes.
 
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Did you pick journalism or theater arts as your major?
Lol, I had a boss who was pissed he couldn't find any job that paid above minimum wage with his useless BA in journalism. He only went to school because it was the thing all his friends were doing, and he went out of state too. Sucks that he made his parents who've been working at costco their whole lives foot the bill for a useless degree. I think he thought it was easy to become a Ariel Helwani, but he wasn't willing to put in the effort that it takes to build yourself in that field. It's one thing to sell yourself short, but this is the product of a lack of guidance, and foresight.
 
my dad paid for his entire post graduate school while working 3-4 minimum wage jobs, while changing my diapers in class. He has that 3rd world mentality of fighting tooth and nail for any and every opportunity, which is why he was able to rack up no debt. That involved living off nothing but top ramen, going to soup kitchens, walking 2-3 miles to SDSU, going to night classes that went til midnight at SJSU all while babysitting me as a baby. He even fucked up a full ride to Loyola Marimount for slapping NWA all day everyday, and he had to work hard as fuck to make up for it.

I don't think I have anywhere near his capacity for those types of things, so I plan accordingly. You're not being realistic with your situation if you think anything Sherdog has to offer will help, you need to talk to your peers in your relevant field, your mentors, old teachers, but not us as we haven't a clue what you even majored in.

Reality is, the only one who can really help and do the most for you is you.
 
Under grad and grad. I can pay my loans, car payment, and rent, and still have some to spend on candy and video games.

But I ain't buyin' a house any time soon and that's where I'd like to be.

You have unrealistic expectations.
 
Sounds like the perfect time to get into porn. J/k Good luck bro!
 
Here in the UK we only have to pay back student loans once we get a decent job (as in doctor, lawyer etc), is it not the same in the US?
 
I haven't heard the word bunk since 1999.
 
Here in the UK we only have to pay back student loans once we get a decent job (as in doctor, lawyer etc), is it not the same in the US?
No we can't spend out student loans on lip fillers
 
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