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Student loan...drowning in Debt :(
Asked by J.F. from Toledo
on July 13, 2010
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I graduated from a "cracker jack" college (realized that after the fact) in 2006. I obtained a legitimate degree, however soon realized that employees in my field are...
Answers
- Look into different payment plans. There's one called "Income Based Repayment" and it basically calculates a percentage of your income that you can afford to pay and ...
- have you checked out any of Dave Ramsey's books? he really speaks to the every day person (As he considers himself one) and can give some really good tips as to how to...
- If you can't afford the $200 right now, when will you be able to aford it? When will you be returning to work? What can you afford at this time? Ask yourself these q...
Financial Problems
Asked by C.A. from Wichita
on May 12, 2009
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My husbands grandma suggested that I file bankruptcy. I am hesitant because of the major affect on your credit. One of my other friends did debt consolidation so maybe...
Answers
- You said husband. That means you two would need to file together. When he married you, he married your debt as well. There are implications both ways (to file or not t...
- Good Morning C., yes dear it is a mess but a relatively small one considering. Budgets are very hard but doable. We just this month paid off a credit card that had rea...
- I dont think you have enough to file for bankruptcy. You could try, but I think you need more debt. Not that you should get anymore. Unfortunately, the rent thing, ...
I Need to Find Help to Pay off My College Loans
Asked by P.F. from Chicago
on January 24, 2009
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Does anyone have any suggestions. I have just finished my BA degree in Early Childhood Education At National Louis University in Chicago. I had to take out several loa...
Answers
- Talk to you loan company you might be able to get a forbearance, deferment for an economic hardship.
- If you have federal student loans, contact them and let them know your situation and they will likely defer them longer. I was out of steady work for 6 months and the...
- Normally, you can ask for a deferment of the loans until you are working. You might also consider nanny/babysitting jobs while you are waiting for work in your field....
Legal Aide
Asked by M.T. from Lawrence
on January 9, 2008
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Who would you call if you have a creditor that will not accept the amount you can afford to pay to pay off your debt?
I have offered payments to an old student loa...
Answers
- I am not sure M. but I would get another job or somehow supplement your income. I show parents and others how to earn additional income along with what they currently...
- M., I work for a bank and I just wanted to add that you should try every other option you can before consulting a credit counseling agency. They more often than no...
- I would go here http://www.daveramsey.com/ and search for 'student loans.' HTH
Seeking Advice on Potty Training & Teaching a 2 Yr Old to Swim
Asked by A.B. from Los Angeles
on June 18, 2008
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My husband and I need advice on teaching our 2 year old daughter to potty train & swim. Thank you
Answers
- Dear A., I don't know about anything going 'quickly' with kids - but there is a great tip on potty training on GOMOMMYGO.com: http://www.gomommygo.com/pottytraining...
- As far as swimming goes ... there is no quick solution, but ... I put floaties on my daughter last summer when she was near 18 months and she loved them. She became v...
- the words quick and effective do not even belong in the same sentance as swimming. I tought swim lessons for almost 10 years. They dont even allow children to go int...
Money and Budget Help Needed!
Asked by K.S. from Salt Lake City
on September 20, 2008
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OK, I have a hard time asking for advice from perfect strangers about something that is very personal to me, but I need help. My husband and I made a decision together...
Answers
- Money is always a hard topic. I work for IHC, and they have various kinds of jobs that need to be filled 24 hours a day, including receptionist type jobs, clerks, etc...
- I can't offer any good advice Kim! But I feel for you. Make your husband work two jobs. :) I know he will love that right! John and I have sat down and made a bud...
- Totally do the Dave Ramsey "thing". My husband and I started in February and it has made a huge difference. First make sure you have $1000 in an emergency fund. I w...
Child Care Concern
Asked by C.P. from Oklahoma City
on February 26, 2008
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Hi Gang,
I just had my son, Jack 8 weeks ago. Right before I gave birth, i graduated from college with a degree in interior design. I would love to get a job in m...
Answers
- You will have plenty of time to use your degree when your child starts school.I stayed at home with my children.I couldn't handle the nervousness about being at work a...
- yes C. for now its really difficult to find a babysitter that you can trust the life of your kids,, but you dont know im a babysitter in one little girl in a german co...
- I, too, just had a baby 8 weeks ago. I also had recently gone back to school and received my degree not too long ago. I decided to quit my job as a social worker (I ...
Help in Paying for College for My Daughter..
Asked by L.C. from Dallas
on April 18, 2008
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She wants to start college in the Fall 2008 and is wanting to Major in Veterinarian and Culinary. I live paycheck by paycheck. Is there any help out there for her? I r...
Answers
- Try looking for PELL grants and other type grants. My son's girlfriend wanted to go to Veterinarian school, but they are soooo back loaded that she will not be able t...
- I've heard people talk about: www.scholarshipcoach.com I've never used it, but heard good things about it.
- My daughter came home in eighth grade telling me that the guidance counselor at school had said she ought to be tested for ADHD. No way! She might have been obsessive-...
11 Yr Old Daughter Not Eating
Asked by L.P. from Cedar Rapids
on July 5, 2011
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My daughter that just turned 11 is having some issues. She will not eat fruits or veggies AT ALL. I put them on her plate and if I tell her she has to clean her plat...
Answers
- Will she drink fruit or veggie juice? I would look for alternatives and don't fight a battle you can't win.
- Where your child's health and well being is concerned, there is no room for pride. Get the hawk-i insurance plan or medicaid or whatever else you qualify for and get ...
- Can you call her school and talk with the guidance counselor. They might be able to help or direct you to a free counseling place. It sounds like she is depressed. I ...
Just Lost My job.....pregnant W/two Kids - NEED BUDGET CUTTING IDEAS!
Asked by S.J. from St. Louis
on April 25, 2010
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I just lost my job, so our household income is now about half what it was. I am 5 months pregnant, so finding another job right now might prove challenging to say the...
Answers
- You are like millions of other people in this economy. It is hard. There is no nice way of saying it. We all live the lifestyle our income allows. Very few of us h...
- Hi S., How many children do you have right now? (Feeding a family of how many and what ages, any pets, etc.) I use a lot of homemade cleaners, but also make my ow...
- Sounds like you're already doing the easy stuff. But you could call up your loan companies and apply for a forbearance. I was unemployed for many months after my fir...
