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I current make about 35k a year(before taxes). About 1800-1900 a month after taxes(without doing overtime when I can). I'll give a brief description of my current debt situation.

Student loans $70,000:

a lot of money and I only got my associates degree and took a few classes after that. Had to stop school because it was too expensive, I'd like to go back in the future. I don't even know how the balance got that high..well maybe part of it had to do was he last time I was in school was 2012. I haven't been making alot of money, barely enough to take care of myself so I haven't paid a dime of These student loans. Just kept deferring and forbearance.

Auto Loan remains balance $3,000:

Took out a $13,000 5 year loan in 2013. I believe the interest rate is 10%. Monthly payment is 219, but I've been paying 230 monthly since I got the car

Credit card Debt $5,000:

3 credit cards with interests rates 25-27%. I signed up with a debt management program, they got my interest rates slashed to around $10. I pay them $150 a month

Bills Breakdown: (edit)

Rent $800 Car insurance $100 Car Payment $230 Credit Card Payment $150 Gas $100 Gym $20 Light Bill $30(average) Internet $65 Cell phone $115 Food $150

Totaling around $1760(including my car payment of $230 and credit card payment of $150)

I'm unsure how to dig myself out of his hole. I barely have any money left at the end of the month.



Submitted July 05, 2017 at 08:21PM by zxz99 http://ift.tt/2tJKU8Y

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