the onion wizard posted:

Does Disney offer financing to visit the parks?

https://www.reddit.com/r/personalfinance/comments/9gzjfo/combined_277k_in_student_loan_debt_with_wife_30k/ posted:

Good Afternoon PF Redditors,

I'm looking for some guidance. Whether it is links to older posts related to this, websites that may help, or... well, anything.

My wife and I are drowning in Student Loan Debt and it's all about to come off forbearances and the like. What can we do to remedy the situation?

I am active duty navy and she is a federal worker. So I know we can utilize the Public Loan Forgiveness Program for my 30k in fedloans.

Whatever's can we do to consolidate, minimize interest, or just plain forgive our private loans in Sallie Mae's name?

I'm sure plenty have asked for this kind of guidance. Please bare with my anxiety and just point me in the right direction if possible.

EDIT: Some more specific details people asked for.

Sallie Mae Loans 32,587.46 at 5% 24,771 at 5%

Fed Loans 29,826.42 at 4.27% (on the Federal Loan Forgiveness Program i.e. 120 payments and forgiven)

Annual Wages for myself - $21.349.51 Wife's annual wages - $15,800.31

I'm an E-3 in the Navy, wife works for Child Development Center.

Car Loan with $11,105.83 / $300/monthly payment Credit Card Debt $3,289all with $30+ on minimum payments to avoid interest accruement.

Hope this helps paint a clearer picture

BEHOLD: MY CAPE posted:

Of course Disney Theme Parks has a cobranded Chase credit card!

BEHOLD: MY CAPE posted:

Of course Disney Theme Parks has a cobranded Chase credit card!

Ebola Roulette posted:

Combined $277k student loan debt with a combined income of $36k



He only lists about $88k in student loan debt, so I assume the rest of the student loans belong to his wife. He says his wife originally wanted to be a pediatric oncologist but never explains why she didn't go to/finish med school. He also mentions he didn't qualify to be an officer.

BEHOLD: MY CAPE posted:

Of course Disney Theme Parks has a cobranded Chase credit card!

DEMAG posted:

Who posted this to /r/starterpacks?

KingSlime posted:

Nothing about that image says "graphic designer" but yes it's weirdly specific

DEMAG posted:

Who posted this to /r/starterpacks?

DEMAG posted:

greazeball posted:

https://disneyrewards.com/vacation-perks/

the onion wizard posted:

Does Disney offer financing to visit the parks?

Enos Cabell posted:

Without straying too far into the scary realm of self-posting, it is entirely possible to fit a single day trip in a Disney park into an otherwise normal vacation.

Enos Cabell posted:

Without straying too far into the scary realm of self-posting, it is entirely possible to fit a single day trip in a Disney park into an otherwise normal vacation.

GoGoGadgetChris posted:

Poor people definitely go to Disneyland though. Is there Coupon Day a la jurassic park? Or do they get suckered into a Mickey Loan™

quote:

I'm 32 and according to my math, I'm about $42,496 in debt.

Now this is from a whole slew of things, that I’ve broken down into 6 categories.

Active debt (thing’s that I’m behind on that I still have active monthly payments for beyond the debt. i.e. My car payment & cell phone bill) - $719
Driving (Tickets, surcharges, etc.) - $4,000
Financial (Old overdrawn bank accounts and credit card debt) - $1,817
Personal debt (friends and family that I have borrowed money from over the years) - $20,600
Miscellaneous (charges currently on my credit report. i.e. Old Cell phone bill, bad pay day loan, old ER visits) - $2,000
Legal problems (Long story shortish, my mom was dying of cancer and had me cash her workman’s comp checks for her. She told me I was on the will/checking account and I that I had power of attorney. I found out that I wasn’t on the account and that I did not have PoA (never was able to find her will, so I’m unsure if she ever had one), but she took a turn for the worse and died before I could get thinks fixed. I was to guilt stricken to focus on details and after she died the checks continued to come. I assumed they were going to her estate and continued to cash them (stupid I know), until they stopped coming. I was arrested about 4 months later for grand theft and scheme to defraud. I was placed on withheld adjudication probation for 5 years (which ended in May of this year) and was asked to pay $300 a month. I paid what I could, but after the 5 years I only managed to pay about $6,000 off and still owe $13,000 which the judge gave me until the end of May 2019 to pay. All of this happened in Florida and with me living in Texas at the time, I also had to pay the state of Texas each month a sperate charge for supervising my probation. That bill got behind about $360 by the end of the sentence. Not sure if I still owe that, as I’ve heard nothing since. I’m going to assume that I do.) - $13,360
I started getting my credit up in 2017 (as I had written bad checks and defaulted on loans when I was younger) and got a secured credit card. That was going well (was at about 550) until I decided to move away from Florida and back home to Texas for a new job.

My credit took a hit and is currently sitting at about 470 according to Credit Karma, though my bank’s app shows it at 423.

Lat year when I moved back to Texas I used some of my savings and also borrowed money from a friend to buy a car (I looked for a cheap car but could not find a working one at the time in my price range) and now I’m leasing a Jeep which requires me to pay $213 every two weeks for about 5 years. I know It’s expensive, but It was working out fine when I first got the car. Once I got out of steady work is when problems arose. The car was actually repossessed a few weeks ago, but thanks to a friend of mine helping me, I was able to get it back. Now, I want to fight for it even more so that my friend didn’t help me for nothing.

When I moved back to Texas I began to get my license back, but after I started all the payment plans and went through the DMV to get my paper license in hand, as I waited for the official one in the mail, I received a letter saying that my license was being stopped because of an older ticket (from 2010) that came up from another city and now I have to pay that in full to get rid of it. So, one of the tickets went to a warrant because I couldn't afford the payment plan now.

Yes, I have been driving with out a valid DL and with an active warrant out for me. I’ve only been doing out of necessity of finding work.

I'm also sleeping on my father’s floor as I have nowhere else to stay. I hate it here and need to find a new place as soon as I can. I don’t need to be a burden on his well being anymore.

The job I had when I moved back to Texas ended after about 6 months. I was laid off as the company started to go under. I found another job 4 months later and stayed there until the end of June when I quit. They treated me horribly and continued to cut my hours back to only a few a week, so I left. I don’t regret leaving that job. I’ve been doing freelance work ever since (I’m a filmmaker) and donate Plasma twice a week. I’m currently able to get about $80 each week. I’m actively searching for a new steady job, but I’m having a difficult time finding something that will pay me well enough to start to fix my problems.

I’ve done the math and in order for me to make enough to live on my own, pay the current bills that I have, and set aside $500 a month to pay towards my debt (which at that rate would take a little over 7 years to pay off) I would need to make $22.12/hr for a 40/hr work week for the full 52 weeks of each year.

That currently seems insane to me.

Also, for the record, average room rental in my area is about $750/month. So, factor that into my above equation means I would still need to make about $18.50 an hour. Better for sure, but still doesn’t seem probable.

I don't know what to do, or how to fix this. Any suggestions would be appreciated. I just want to get out of this stupid hole from my past, so that I can get working on my future.

Lockback posted:

I'm over $40,000 dollars in debt and I don't know how to combat it. I need some help.
https://www.reddit.com/r/personalfinance/comments/9fbh7g/im_over_40000_dollars_in_debt_and_i_dont_know_how/

GoGoGadgetChris posted:

You're openly stating that you prefer reading misogynistic and bigoted hate-speech to any story you consider boring.

Not the kind of thing I'd want to admit!

canyoneer posted:

"stop doing crimes"
"no"

Dustoph posted:

GGGC making an assumption and stating it as fact? Noooo......

hailthefish posted:

He's not wrong.

$46,000 is right around the median household income for Florida, and a bit below the median household income for Texas. For one person, with no particular skills, and some outstanding legal issues, that's going to be pretty loving tough.

Ebola Roulette posted:

He says his wife originally wanted to be a pediatric oncologist but never explains why she didn't go to/finish med school.

Volmarias posted:

I can think of several tiny, dead reasons she may have seen.

therobit posted:

My mom worked as a nurse on a children's cancer ward when I was a kid and brought me along to their summer camp at the beach since she was working it. I was the only kid there that had any hair, and I remember being asked to carry a literal garbage bag full of pill bottles up to the nurse's station from the bus so they could organize them to be dispensed over the week.

If you make friends with a bunch of cancer patients, you should be prepared for some them to maybe not make it. Unfortunately nobody told 10 year old me that.

Lockback posted:

Disney is a bit like Vegas in that it can mostly conform to your budget, but with no upper bound. That latter piece is why it can end up ballooning on people who end up spending like 15 grand for 5 days for a family of 4.

You can do it pretty cheapo by staying off-site, doing a couple days in Disney and a couple days doing some of the other Orlando family stuff. It's still not going to be a shoestring budget but it can fall in line with most destination vacations. Most people decide "If I'm doing Disney I want to do all the stuff" which gets pricey.

Disney talk is boring. Here's one. It's long but it hits a lot of BWM tropes, in a pretty sad kinda way. I'll try to bold highlights, but it's basically all a highlight.
I'm over $40,000 dollars in debt and I don't know how to combat it. I need some help.
https://www.reddit.com/r/personalfinance/comments/9fbh7g/im_over_40000_dollars_in_debt_and_i_dont_know_how/

quote:

my mom was dying of cancer and had me cash her workman’s comp checks for her. She told me I was on the will/checking account and I that I had power of attorney. I found out that I wasn’t on the account and that I did not have PoA (never was able to find her will, so I’m unsure if she ever had one), but she took a turn for the worse and died before I could get thinks fixed. I was to guilt stricken to focus on details and after she died the checks continued to come. I assumed they were going to her estate and continued to cash them (stupid I know), until they stopped coming. I was arrested about 4 months later for grand theft and scheme to defraud

22 Eargesplitten posted:

I wonder whether oncology or social work has a higher burnout rate. My mother got a master’s in social work and burned out after a year or two. Went into Habitat for Humanity instead because she felt like she could actually make a difference that way.

EAT FASTER!!!!!! posted:

It used to be palliative medicine physicians had some of the highest job satisfaction rates, while oncologists had some of the lowest. I know a lot of people who moved from the latter to the former!

Volmarias posted:

I can think of several tiny, dead reasons she may have seen.

Subjunctive posted:

My mom had a friend who was a pediatric ER nurse and even at 10 years old I was super glad someone like her did that because no way in hell could I. She did get to help deliver quints once, though.