Hi reddit, I’ve been more and more considering what I want to do with my life. I’m 32 year old recently single male who is trying to get his life in order and at some point would love to buy a house in the future. I haven’t done much in the way of saving over my professional career I also had some pretty rough student loan payments. Recently settled a defaulted loan that I was paying an extra 681 on top of everything. I also recently started a new job making 10-15k more than I was before. I haven't made it 6months yet so I can't access the 401k plan at work but it will when I can.
I have a lot of debt from college:
21,261(interest 3.50%) 19,040(5%) 5,927(6%) 5,289(6%) 2,631(6.80%) 1,645(6%) 693(6.80%)
Total 58,000
I also have a loan might have another loan in default for 36,000
I’m looking into this more. Might need a full credit report to figure it out. I feel the same people are just trying to scam me.
My fico score is 661
I make 75,000/yr
Credit Karma Stats
1,500(interest 25.15%) Credit Card Debt 400(interest 25.15%) Credit Card Debt 28% of Credit Card Utilization Age of Credit(according to credit karma) 6yr 9mon. 100% Payment history 0 Derogatory Marks 30 Total accounts
I also don’t have much of of a retirement plan or much in savings
Savings 6,041 Ira 1,900
Rough Estimate of Monthly Bills Current rent plus utilities: 500 Credit Card payment around $82 Loan Payment: around 400-500
How would you proceed?
Submitted November 11, 2017 at 06:59AM by notsmartlife http://ift.tt/2yRZvCB
