student loan debt
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Don't Know Where to Turn??? Husband Doesn't See That We Have a Financial Problem
Aug 20, 2009 ... try to refinance home, car, student loans, personal loans, etc. try to consolidate debt to a lower interest rate and a lower monthly payment ...
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- You should read Dave Ramsey's "Total Money Makeover". My husband is a full commission loan officer. We have always had enough money for all our bills until more rece...
- I know what you mean. Currently my husband is looking for a second job because frankly he makes more money than I ever would. I sew some of my kids clothes and go to t...
- Sounds like you are trying to do everything right! How about refinancing your mortgage? Consolidate any debt into one bill/low interest rate? Watch carefully on you...
I Hate Being a Working Mom, Advice Please!
Here's a little more background on our situation, my husband is an Engineer and makes great money but we both have college student loans that hack off a ...
Answers
- I hated working too! I worked very hard bringing my daughter into this world and did not want to miss a single moment or milestone. You will have the rest of your life...
- We cut out special items like cable, newspaper, coffees, going to dinner or movies. We unplug everything or turn off our powerstrips. That alone saved us $41 a month. ...
- You and your husband CAN find a way that works. Stay at home Moms ( my older daughter is one) make sacrifices - use ingenuity - work at home -- any and all of the abo...
Did You Ever Grow Out of "Not Caring About School"?
... include not being able to further your education without going into debt. .... They probably have them to loan. My son is now two semesters from college ... Middle School years are tough for most any student, your son is making it ...
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- That's a tough one - you can make him do his homework, but you you can't MAKE him care. Any kind of punishment or reward can get short-term results, but can't REALLY g...
- As a former HS teacher and someone who also loved school, it is hard for me to say this. But you probably just need to let him fail. I wondered as a HS teacher how som...
- A., You could be talking about MY son at age 7. My son did not care about school... In third grade he did not do ONE homework assignment unless HE was interested in ...
$7000 For Tutoring at Sylvan to Teach My 10 Year Old How to Read???
They also suggest that we take out a loan to finance it. ..... than spending money you don't have, going into debt- and having her feel like something is " wrong with her. ... Have you thought about hiring a college student to tutor her ? ...
Answers
- Hi L. - Send her!!! I sent my daughter for math and I have not once regret the decision. We use to struggle on a nightly basis with her math homework and WOW ~ what ...
- Hi L.! Have you heard of Kumon? It's another tutoring program and it's really effective. I'm a teacher and I plan to enroll my little one as soon as she's old enough b...
- Hi L., I worked in the special ed. field in the public school system for many years. If your child has a normal IQ and below average scores in reading, the school sh...
Old Student Loan Debt from 1988
Asked by R.J. from Dallas
on February 2, 2007
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Hello, MOM's. My husband recently got a wage garnishment letter from his job American Airlines, stating that the US Government wants to garnish 15% of his net earnings...
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- Thanks for your reply!! I was just trying to help a fellow mom. I realize you were asking a two part question. But I was answering one part. Sorry I did not have 1...
- Does he have more than one student loan? A while back I had financial problems and my loans were in default and my credit was bad. Anyway, I was able to consolidate ...
- First, Government has the legal right to garnish for a student loan debt. That's how students can get student loans by the guarantee of the government that they will ...
In So Much Debt
Asked by C.P. from Memphis
on January 10, 2007
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I'm barely can make min. pymnt on my creditcard pymnt. I'm in soo much debt and don't know what to do. I am so depressed, anyone with any ideas that can help me get ou...
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- Have you considered transfering all balances to a 0% credit card? My credit union is running an ad for 0% interest on all transfers for a year. Then, if you still ha...
- Hi. First (if you haven't already) you should work up a budget to see what income your family has and then write up all of your bills and see how short (if you are sho...
- In this case, you have three options; 1)refinance your home, if you own it and IF you have equity. But, in order to get the best rate you need to act BEFORE you are l...
Paying off Debt
Asked by J.E. from Boise
on January 14, 2009
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I am considering using a family financial planning company to help me get my credit card debt under control. I understand that they deal with the credit card companie...
Answers
- Hi J., I would imagine you are overwelmed with the responses to your inquiry. I too am a financial coach and would recommend any sort of program without using any co...
- If you had any questions about credit repair, I would recommend my in-laws in Georgia. They work with people from all over the country, so it doesn't matter if you ar...
- J. I am a financial consultant. Be careful with some of these companies. Most of them have hidden fees. Sometimes you will be paying more than you already are. Also if...
How to Get Out of Debt?
Asked by M.W. from Kansas City
on May 12, 2007
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This really isn't a question as much as it is me venting. My husband and I both work full time, but don't make a lot of money. We only have one child, who is almost 18...
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- These questions always get a ton of response...because most of us live paycheck to paycheck. It sounds like you are on a right track by having a plan to take care o...
- Ok M., I have a business opportunity for you that you can do on the side of your full time job. I am literally in the same position as you, expect my husband and I hav...
- Check out www.daveramsey.com . My husband and I are doing the dept snowball and in 27 months we will be dept free (except the house) That includes our 17,000.00 car lo...
Swimming in Debt at Age 25!!
Asked by L.B. from Denver
on May 9, 2008
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Help! My husband and I are in some serious debt and it's only getting worse! We have almost $30,000 credit card debt plus he just got a quote on some dental work he ...
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- I hear you! I like what the first reponder said about paying the smallest first! Have you heard of Dave Ramsey? He has a class called financial peace university, you ...
- You will be OK. I promise. When I was 25, I had $60K in student loans, $25K on credit cards, and a $20K car loan. I could barely make the minimum payments, pay rent...
- L., I was sorry to see that no one had posted anything yet about your debt question. While I do not have direct experience, I would start by talking to your husband a...
Question About Debt Consolidation!!!
Asked by J.M. from Dallas
on January 17, 2007
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Hello fellow mommies!
I am really needing some advice about those of you that have had experience with debt consolidation. We have some huge credit card bills that ...
Answers
- I have to second the Dave Ramsey recommendation. My church is doing a Financial Peace University class that you should also consider. If you work the Dave Ramsey plan,...
- Check out Oprah's website and find the link to the "Debt Diet". She's done several shows on it where great advice was given. Good luck!!
- Hi J., I have not done debt consolidation through a company, but I can tell you what we did. We found a credit card that ran a low interest rate for a certain amou...
