Ebola Roulette posted:

https://www.reddit.com/r/personalfinance/comments/6clj5u/29757882_in_student_loan_debt_on_paye_plan_with/




tldr; OP makes $65k and has $300k in medical school debt because he waited until he finished med school to figure out he didn't want to be a doctor. He lives with his parents and spends $1600 a month on useless poo poo.

quote:

active in /r/entrepreneur

n8r posted:

The irony of the bodybuilder that is not overcompensating...

canyoneer posted:

What a moron. That is an impressive rapsheet of stupid decisions.
His goal is to pay back those loans in 3 years, so he wants to put $10k/mo towards them.
He could have done that on a doctor's salary, had he actually finished.
Then he could have stopped being a doctor to go live his dream of being a junior software developer for a healthcare company.

quote:

How does your credit score impact your required payments? Might have made a mistake and need help. [20M]

I signed up on Credit Karma last year and it said that my credit score was "Excellent" at 751.

I got a new credit card and have been putting all my regular and daily spending on it for the past 11 months or so. I also bought some stuff for fun and made some investments (hardware for investing in digital currency) with the card.

I've been paying the minimum payments each month. They are like $35 on Autopay. But recently I had my card declined and couldn't figure out why.

Somehow, I had hit my credit limit already. It says that I have $12,000 and can't make any new charges. But I have barely put $9,500 on there total.

I called and got a credit increase when this happened before, but now they say that they can't do it again.

They said it was because of my loan terms, but my credit score was "Excellent" when I signed up and I checked it again today and it is still good.

I was told that if you have good credit, then you don't need to pay interest. I would think that "Excellent" would qualify as good credit, no?

I told them that they made a mistake by charging me so much and they said that they will review it and get back to me soon. But until then, I have no spending money and they won't lift my credit limit to let me buy food or gas.

Is there some way to get them to fix this ASAP or lift my limit? I have never missed a payment and my credit is still "Excellent" rated. Is it worth it to work with these guys or should I just get a card with a less scummy bank?

Edit: My current score is actually BETTER than it was when I originally signed up. So, would this make a difference to show them? It seems insane that my score could be better than before and this is happening.

I'm working on becoming financially independent through digital currency production and that is my full-time job. That means I can't just work overtime and clear some space. Besides, I don't want to "clear space" for bullshit charges because then they have even less incentive to fix it once they have my money.

Anything I could do before this weekend would be ideal. Their Customer Service is slow and I have already provided them with my payment history and credit score to show that they shouldn't have been charging me interest. I think that since they've been doing it for almost a year that they are trying to cover their asses.

quote:

I was told that if you have good credit, then you don't need to pay interest. I would think that "Excellent" would qualify as good credit, no?

canyoneer posted:

What a moron. That is an impressive rapsheet of stupid decisions.
His goal is to pay back those loans in 3 years, so he wants to put $10k/mo towards them.
He could have done that on a doctor's salary, had he actually finished.
Then he could have stopped being a doctor to go live his dream of being a junior software developer for a healthcare company.

Leon Trotsky 2012 posted:

some investments (hardware for investing in digital currency)

Leon Trotsky 2012 posted:

https://www.reddit.com/r/personalfinance/comments/75r4jr/how_does_your_credit_score_impact_your_required/

quote:

Hello All,
I'll try to keep this brief. This took place in Boston earlier this year. My husband has a chronic health condition for which he needs monthly IV infusions which are given in our home. They typically take about 5 hrs to complete, with an infusion nurse being present the entire time to get everything set up and then monitor vitals approx. every hour, plus change out meds for new bags of fluid, etc.
We had the same infusion nurse for maybe 1.5 years and got comfortable with her and felt her to be very qualified and professional. I'll call her "Kate", not her real name. In feb of 2017 she showed up for the treatment very excited bc she had started selling these amazing lipsticks (Lipsense MLM). Kate proceeded to excitedly proselytize about how great they were and what a good business opportunity this was to both me and my husband during the entirety of the treatment. I was 7 months pregnant at this time and had no interest in selling lipsticks for what seemed like a pyramid scheme.
Over the next few treatments she continued to proselytize about them, mostly to me, bragging about how much money she had made. My husband would normally pass out on the sofa and I would dread being left alone to awkwardly try to avoid discussing Lipsense.
As the months went on she wore me down and I stupidly decided to join her selling team after she promised there was no risk and she would buy back anything I could not sell. We had no money, were about to have our first baby, and I have an ill husband. It felt like it could help our family.
I attempted to make it work but really was not comfortable with the selling techniques or product. It felt sleazy to me trying to sell to friends and family, looking at everyone I knew as an opportunity.
Fast forward to now and I have voluntarily revoked my "distributorship" and am selling the product back to the company. She refused to buy any of the colors back from me when it indeed did not work.
The advice I need is in regards to this: This feels like a predatory and unethical practice by a nurse who spent many hours with us in our home at a time when both my husband and myself were in vulnerable states. She had gotten other patients of hers to sign up in the MLM scheme as well. One is a mom with a terminally disabled daughter who also needed extra income.
Should I file a complaint with the nursing board in Massachusetts or take some other action? She is probably doing this to every patient she has as she thinks it is the greatest thing ever and is extremely driven to succeed in the MLM.
We recently moved to another state so Kate is no longer my husband's nurse.

ate all the Oreos posted:

I have a hunch that he got to the residency part, went "wait you mean being a doctor involves interacting with people?!?" and ran away screaming, hence the second choice of computer janitor

jackass posted:

I can't continue the residency process. I have 5 failed attempts of the exams required to go into residency.

canyoneer posted:

https://www.reddit.com/r/legaladvice/comments/75ko8c/need_advice_about_whether_to_file_a_complaint_for/
Need advice about whether to file a complaint for unethical behavior by a nurse (self.legaladvice)
submitted 20 hours ago by grumpyterrier


A home health care nurse preying on a vulnerable population to sell $80 lipstick

Teeter posted:

Teeter posted:

I can't continue the residency process. I have 5 failed attempts of the exams required to go into residency.

ate all the Oreos posted:

I have a hunch that he got to the residency part, went "wait you mean being a doctor involves interacting with people?!?"

Leon Trotsky 2012 posted:

https://www.reddit.com/r/personalfinance/comments/75r4jr/how_does_your_credit_score_impact_your_required/

ate all the Oreos posted:

I have a hunch that he got to the residency part, went "wait you mean being a doctor involves interacting with people?!?" and ran away screaming, hence the second choice of computer janitor

ate all the Oreos posted:

Oh I missed that, even better

Ebola Roulette posted:

https://www.reddit.com/r/personalfinance/comments/6clj5u/29757882_in_student_loan_debt_on_paye_plan_with/

quote:

Interest alone is $1,656.14/mo, but I can't do it with my salary.

st. loan: $400 (which can increase to $1100)

tldr; OP makes $65k and has $300k in medical school debt because he waited until he finished med school to figure out he didn't want to be a doctor. He lives with his parents and spends $1600 a month on useless poo poo.

Lead out in cuffs posted:

tldr; OP makes $65k and has $300k in medical school debt because he waited until he finished med school to figure out he didn't want to be a doctor. He lives with his parents and spends $1600 a month on useless poo poo.


So wait, are his student loans just compounding into infinity?

H110Hawk posted:

They will eventually be forgiven and he will then be saddled with a HUGE tax bill for the forgiven amount.

mastershakeman posted:

which can eventually be bankrupted out of. it's the route that dozens of people I know personally are going, plus tens? hundreds? of thousands across the country. probably 20+ thousand new lawyers a year going that route plus who knows who else

Phanatic posted:

If that was his problem, that's why radiology is a field. Or surgery.

bob dobbs is dead posted:

65k touching computers
i've never had a computer touching job that paid less than 6 figgies

Sokani posted:

drat, now I have to either move to the bay area or accept that I'm worthless.

a messed up horse posted:

Don't take this website's word for it. There are plenty of others where you can look at the average salaries for your area to find out how worthless you are.

And yeah, the low-end of the pay scale in SF is higher than the high-end for my job here in Cleveland.

Motronic posted:

In TYOOL 2017 you have to be super lovely to make less than that. It's pretty much the only reason to touch computers professionally (and making less than 6 figures is your hint that you suck at it and should do something else).

Dustoph posted:

Guess 90% of the people in ops should find new work. seize the means of production

Dustoph posted:

Guess 90% of the people in ops should find new work.

Motronic posted:

In TYOOL 2017 you have to be super lovely to make less than that. It's pretty much the only reason to touch computers professionally (and making less than 6 figures is your hint that you suck at it and should do something else).