Hello everyone,
Just graduated college in cybersecurity and racked up $8k in credit card debt, being an absolute idiot. One card is at $2000 at 0% APR until Oct. the other is at $6000 at 0% APR until August 2024. So obviously I pay the $2000 off first.
I am hoping to secure a job by the end of June that is a minimum of $35/hr. I have no other payments as I am living at home still. I will have $20k in student loan debt. But will not need to start paying that off until January 2024.
Given my upcoming boost in income, should I be stressing extremely hard over this debt? Or just pay it off when I get the money and not worry too much? It’s extremely hard mentally on me, thinking I am truly screwed, but am I actually? Thanks!
Pay down both debts and you won’t be worried anymore. Yes you should be living very close to the wire until you can pay it off. You are not screwed, yet.
You should listen to callers that call into Dave Ramsey some time. You’re not screwed but need to make it a top priority in your life for a little while. So, skip the starbucks and going out for lunches and dinners and make everything at home.
Just pay it off asap. Once you have ended your debt your options will open up immediately to save and invest more aggressively for other endeavors. A mortgage is the only debt you should ever have to carry. Every other consumer debt is dead weight. In this economic climate, your debts will be an impediment for you if you ever need to secure higher credit limits or favorable lending rates.
Pay off your debts now and Take advantage of the fact you are still living at home. You are not burdened by paying for a rent, mortgage, property taxes, HOA, or utilities.
Well we don’t know what your current or future income is dude.
What happens if you don’t find a job by the end of June? What is your plan for making cash before then?
Since you live at home and no other expenses it’s doable. I would go hardcore and try to get that paid off in a few months.
It’s not the end of the world to have $8k to pay off if you do in fact get a job paying $35/hr. But that’s all assuming you’ll immediately land a good paying job. So I’d recommend getting out there and starting up the job hunt ASAP to get everything in order. Otherwise I would agree with your payoff plan. I’d get the $2000 balance paid off before October when interest kicks in. Then you’d have until next August to pay off the other $6k. If you’re living at home with no bills, that should be pretty easy to pay off by August 2024.
Worry is a useless emotion. If you worried about it every day, it wouldn’t reduce your debt by a single penny. Should you plan to extinguish those debts as quickly as possible? Yes, absolutely.
Finance is math. If you graduated with a degree in cybersecurity, you’ve got at least a passable grasp on arithmetic. When it comes to paying down debt, there are many detailed methodologies you can follow, but you only have two urgent debts to resolve, and the balance isn’t that high, so you can just stick to a basic axiom: prioritize high-interest debt over low interest debt.
Don’t confuse temporary 0% interest as low-interest debt. You need to know the rate after the introductory period expires. You also need to understand what happens on that date. Some promotions will charge you back-interest if you don’t pay them off by the end of the 0% period.
I would:
1. Continue to live at home and minimize your expenses.
2. Prioritize debt payments as you outlined; pay the Oct 2023 card off first, then immediately switch to the Aug 2024 card.
3. Before moving out, establish a budget after reading the [PF Wiki](https://www.reddit.com/r/personalfinance/wiki/commontopics/).
4. With your budget established, save up a minimum of a 3-month emergency fund based on your *budgeted* monthly expenses, not your living-at-home expenses.
5. Execute on your move-out plan.
As others have said, maybe not so bluntly, your first priority is not paying down the debt. Your priorities, in order, are:
– understanding exactly what this money was spent on
– carefully considering whether those things are/were worth the situation you’re in now (be honest with yourself!)
– figuring out how you’re going to say no to yourself in the future, and what accountability mechanisms you will use
– getting a job, even just a temporary job or gig work to generate some income while you work on getting the career
– /then/ start paying down the debt as aggressively as you can
[deleted]
Pay off as much as you can. When you’re employed and you use your card again, pay off the balance before the end of the billing cycle.
Yes, you should be worried. Your behavior suggests a very painful interest-filled life. However, you have some breathing room before debt slavery becomes a habit, so good question. This should be hard on you mentally – pay attention to that self-preservation angst as it is a good alarm.
No, you aren’t yet screwed. Don’t ‘hope’ for a job – go get a job, any job, and get positive cash flow today while you wait for this ethereal $35/hr gig. Start reducing your unsecured credit obligations – because if you don’t make at least the minimum payments on those cards, that 0% is going away very quickly. Obviously making more than the minimums with a budget target of fully paid off before interest starts is the goal.
>One card is at $2000 at 0% APR until Oct. the other is at $6000 at 0% APR until August 2024. So obviously I pay the $2000 off first.
Read the terms of the 0% APR. If one is going to charge you all of the back interest if you don’t pay them off within the 0% APR window focus on that one. If neither or both, $2000 first.
>I am hoping to secure a job by the end of June that is a minimum of $35/hr … Given my upcoming boost in income
It’s not official until it’s official. Count on $17/hr, part-time offers.
>I am living at home still
Living at home is good for now. Less obligations means more cash flow to pay off loans and CCs.
>$20k in student loan debt … start paying … January 2024
Figure out the minimum monthly payment. Set it to auto-pay for that amount until both CCs are gone, then slam it with 50% net income payments.
If your income isn’t cutting it consider income based repayment short term. Don’t set IBR and forget it. That’s how people find they’ve paid $35K and still owe $25K on their original $20K loan a decade later.
Living at home with parents how do you rack up 8k in debt in addition to a student loan? And don’t borrow on credit cards. I doubt you will be able to repay the debt before the 0% runs out- something about your life seriously needs to change
Your good, I got out of 30k plus due to spending habits and a medical problem. Just play games by spending cheap food for a while and maybe a second job for a month or 2…. 8k at 0% is nothing you got this!
Credit card debt is the least of all types of debt to be worried about.
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