r/financestudents Hopeless but hardworking u/TheRealBettyWap I rarely use reddit, so any trolling or reprimanding is to be expected, I just dont know what to do or whom to ask anymore.
I was with an extremely abusive ex that racked up $3000 of debt (on top of the $1500 in parking tickets he somehow racked up without my knowledge).
I am underwater in my car, it is worth less than I owe. I used to bartend at a strip club to try to make up for money owed and stolen by my ex, but once I left him I changed jobs and my auto loan bank won't refinance and cannot work with me based on change of income.
I don't have a phone service anymore, no insurance. My boyfriend helps with the little food and bills he can.
I work full time and just got promoted, my income is $1220 a month. Rent is $425 / mo Car $450 / mo Dog food $25 / mo Gas $20 / mo
I also owe $400 to a friend for helping me with rent $300 to the bank because I was $2 short on a auotbilling and the fees have racked up the last two weeks of me waiting to get paid.
I raised my credit 100 points in the last month or so, but no one will approve me to consolidate or refinance etc.
I'm joining the millitary in November, my paperwork is done and ready to go. I just do not think im going to make it, nor do I think I will make enough as a Reserve memeber to help myself significantly.
It's tough because my debt is small in the grand scheme of things, but I'm barely living, and have not enough to save or go back to school.
I stay up all night thinking about my debt. I'm 23 and I feel as if I've failed myself and my family.
The ex is in jail, and I am safe and out. I do not however, know how to repair my life financially so I can go back to school and be a worthy member of society. Any constructive advice would be comforting.
Betty
Submitted August 22, 2017 at 08:21AM by TheRealBettyWap http://ift.tt/2wujh5q
