Hi I’m planning to live in a studio alone, due to severe mental health issues, and I have some questions.
1. 719 score, discover student, chase freedom unlimited, & nyc minimum wage salary.
2. Should I take one $20,000 loan to help pay rent for the next year, or $5k every 4 months? Worst case I’m working 20 hours per week at $15/hr.
3. Or should I keep maximizing my lines of credit? Balance transfer? Or something else?
Please understand I’m saving up, but I genuinely can’t rely on myself to consistently work more hours at this time. I’m good at paying consistently, but I’m buying what I need, which is time. FAFSA doesn’t give much, and I don’t have connections to take loans from. Dorms not open to part-timers.
[deleted]
> live alone in NYC
> make $15/hr in NYC
I hate to say it, but the math really just doesn’t add up here. I would reconsider having roommates, or reconsider what school you go to and where. If you love this school or really want it on your resume, maybe they have online classes you can take from a cheaper location
>Should I take one $20,000 loan to help pay rent for the next year, or $5k every 4 months? Worst case I’m working 20 hours per week at $15/hr.
If you don’t have a ton of FAFSA aid, where will you be borrowing the money from?
You’re working 20 hours a week at minimum wage. No one will lend you $20k unless you have someone (who has a great credit score and income) cosign for you.
Does your mental health have anything to do with why you feel living with your parents at home is suddenly no longer safe?
You need some medical or professional help. You don’t need a studio. You don’t need a loan. Good luck mate
1. It may be better to live farther out and commute in. 1600-1700/ mo is not terrible for NYC but it destroys the ability to for you to live since it is more than your take home pay.
2. Maxing your lines of credit would be much worse than most loans. I would not do that. Carried balances with a credit card get real dangerous real fast.
3. For loans ideal would be federal (probably too late for that though) you can also probably get private student loans. In either case the less loan you take the easier it will be to pay off. If you take ~15k it should get you past the spring graduation after which you need to start full-time and also hopefully get a better paying job.
What is your current financial situation. You mention maximized lines of credit. Are you already in substantial credit card debt? Will you be graduating with student loan debt?
Please reconsider whether you’d be willing to live with roommates. Frankly, you can’t afford to live on your own in NYC, and having a ton of debt hanging over you when you graduate is not going to be beneficial to your mental health.
Look at the outer boroughs and commute in for school. You can probably find another job making the same amount of money regardless of where you move, so I wouldn’t be too concerned with proximity to work.
Are you still on track to graduate in the spring? Do you have a job lined up for after graduation?
Can you live. With a friend classmate? I would start asking around, classmates will be more understanding to your situation, maybe you can crash in someone’s house
Have you looked into housing from your school?
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