Posts Tagged ‘full time job’

Can I get a auto loan if I have 700 on FICO score?

Sunday, December 11th, 2011

However, I only make a around 00/month because I quit my full time job to go to school. My husband makes around 00/month but he does not have good credit. Can we both apply together for the loan and get a decent rate?
I forgot to mention, we are planning to buy used 2011 car, with 000 loan, the rest we will pay cash. Is it better to go to credit union bank?

What's more important… paying off my student loans faster, or contributing to my 401k now?

Tuesday, November 22nd, 2011

I graduated in May with 35,000 in student loans. I have full time job in my field of study and I’m making 33k a year. I’m fortunate enough to be living at home and only have about a 10 minute drive to work each day… so, my monthly expenses are MINIMAL.

my take home pay after taxes is about 00 a month, right now my plan is to contribute 40% to my student loans, 40% to my 401k, and 20% will go to my monthly expenses & whatever is left each month to my savings account.

My question is, does this sound like a good plan? My company only matches 50% up to 00 of my 401k contribution, but I know that if I contribute a lot now (while I’m single and living at home) it will grow a lot.
However, this plan will take me ~3.5-4 years to pay off my student loan debt… and if I nixed my 401k contributions I could pay off my loans in less than 2 years.

I don’t plan on moving out of my parents house for at least 3 years. (it really does not make sense for me to, i have it made right now haha!)

What do you all think about my student loan payoff/retirement "financial plan"?

What's more important… paying off my student loans faster, or contributing to my 401k now?

Tuesday, November 22nd, 2011

I graduated in May with 35,000 in student loans. I have full time job in my field of study and I’m making 33k a year. I’m fortunate enough to be living at home and only have about a 10 minute drive to work each day… so, my monthly expenses are MINIMAL.

my take home pay after taxes is about 00 a month, right now my plan is to contribute 40% to my student loans, 40% to my 401k, and 20% will go to my monthly expenses & whatever is left each month to my savings account.

My question is, does this sound like a good plan? My company only matches 50% up to 00 of my 401k contribution, but I know that if I contribute a lot now (while I’m single and living at home) it will grow a lot.
However, this plan will take me ~3.5-4 years to pay off my student loan debt… and if I nixed my 401k contributions I could pay off my loans in less than 2 years.

I don’t plan on moving out of my parents house for at least 3 years. (it really does not make sense for me to, i have it made right now haha!)

What do you all think about my student loan payoff/retirement "financial plan"?

Should I file Bankruptcy for these debts?

Friday, November 4th, 2011

Over the last two years, while I was in college, I was dumb enough to let myself get about 5,000 in debt. This debt is for 3 credit cards, a payday loan, and an overdrafted bank account. I am graduating in a few weeks and will begin looking for a full time job. I had planned on either attempting to settle these debts or explore the option of bankruptcy once I began my career. However, I was served with a subpoena from Citi today for 1000. I know this is my fault and it is something I was preparing to work out as soon as I am financially able. Should I consider bankruptcy? Im 24 and in the state of KS. Thanks!
Thanks for your suggestions and well wishes. I would greatly prefer to settle than go the bankruptcy route, I was just not sure if settlement was an option since the subpoena has been sent. I am looking forward to getting past this!

Dear SQURIRELL,
Although I shouldn’t pick on such an easy target, you may be benefit from some higher education yourself. Your grammar and use of punctuation leave much to be desired. However, thank you for your input. It helps me realize that my financial setback is not nearly as bad as plain stupidity.

Could we get approved for a $150,000 home loan (FHA) with me having a term/temp job?

Wednesday, November 2nd, 2011

Could we get approved for a 0,000 home loan (FHA) with me having a term/temp job (2 to 4 years in the federal government, but only 2 guaranteed)?

We are FTHB’s currently under contract on a short sale for 0K (FHA) waiting for the third party approval. My husband has a permanent full time job making about .5K/yr, and I make .5K/yr. Both our credit over 620. Total debt about 0/mnth. We had red flags from a previous home loan we applied for that never went to underwriting that we are working on clearing up (few overdrafts on our previous bank statements, no history of savings, severely increasing house payment, pay day loan on bank statement, and income stability). Those red flags will be cleared up by the time we go to underwriting (no payday loans on the 2 statements given, no ODs, housing payment increase only 0 more than our rent compared to 0 previously, & a slight pattern of savings within 2 months time which will be a little more than the 3.5% required down payment (including 00 gift funds). The only thing I can’t change is my federal government 2 to 4 years temp job, of which only 2 years is guarenteed, but it is extendable an additional 2 years. Two years will end 10/2011. Do you think we can be approved?

Does anyone know of any lenders who provide unsecured loans to students in the amount of $35,000?

Sunday, September 4th, 2011

I went from working a full time job and holding ends together to becoming a full time student in an accellerated program and not being able to make ends meet at all. Unfortunately, the class schedule is so random no one in their right mind will hire me for a part time job. I have good credit but took out a 0,000 student loan to pay for school. Because of that loan I cannot find anyone that will consider lending that. The above mentioned ,000 would be used to pay a few things…car, credit card, two other student loans, and a couple of other things of that nature. If anyone has any ideas or suggestions…it would be appreciated.
It’s actually a flight school. You are right though, I can’t imagine anyone dishing out 35k for a loan either. Thats why i’m looking for suggestions.
It’s actually a flight school. You are right though, I can’t imagine anyone dishing out 35k for a loan either. Thats why i’m looking for suggestions.

Does anyone know of anyone I can loan money from I have bad credit but will pay it back no payday loan?

Monday, August 29th, 2011

I do not want a payday loan I have bad credit from a past relationship and from some broken bones hospital bills after I need a thousand dollars to get by right now my husband lost his job and has asthma his medicine is expensive I can pay back like 100 to 200 a month back I just have no where to go does anyone know
I do have a full time job I just dont make very much thank you
one of the things my husband is on is Advair and that will get me caught up with rent and all if you think it is a scam write to my email I will talk to you I am me and down to earth I just have a problem and looking for answers I do not have any credit cards and my husband does not have good credit I have done payday loans but you end up paying a lot if you can only keep the loans it would be better to get one loan and make payments thank you God Bless

I need to raise $1000 to go back to college… Any suggestions how?

Wednesday, August 24th, 2011

I need to pay back a loan my college gave me (00) before I can go back to the college, but I’m in a money rut right now. I have a job, but it’s not giving me enough hours to really save up anything. On average, I get – a pay check (I get paid every week), and most- or all- of it goes to gas to go to work the next week. I’ve been out of school for a year now, and it’s KILLING me! I want to get my degree, get a decent job, and move on with my life… but I can’t with this stupid loan blocking the way. :’(
I’ve tried getting a full-time job, but it’s extremely hard right now trying to find one- especially in a college town! (I live in Gainesville, FL)

I’ve come up with some ideas, but I don’t know how successful they would be. Could you give me some tips on how to start one of my existing ideas, or give me new suggestions that you have found effective?

These are my recent ideas:
T-shirt design
Jewelry making
Countless bake sales
Selling a lot of what I own on eBay/Craigslist
Donating plasma until I’m completely drained

Any advice would be great! I really want to go back to school! :-D

I need $1000 to go back to college… Any suggestions how?

Wednesday, August 24th, 2011

I need to pay back a loan my college gave me (00) before I can go back to the college, but I’m in a money rut right now. I have a job, but it’s not giving me enough hours to really save up anything. On average, I get – a pay check (I get paid every week), and most- or all- of it goes to gas to go to work the next week. I’ve been out of school for a year now, and it’s KILLING me! I want to get my degree, get a decent job, and move on with my life… but I can’t with this stupid loan blocking the way. :’(
I’ve tried getting a full-time job, but it’s extremely hard right now trying to find one- especially in a college town! (I live in Gainesville, FL)

I’ve come up with some ideas, but I don’t know how successful they would be. Could you give me some tips on how to start one of my existing ideas, or give me new suggestions that you have found effective?

These are my recent ideas:
T-shirt design
Jewelry making
Countless bake sales
Selling a lot of what I own on eBay/Craigslist
Donating plasma until I’m completely drained

Any advice would be great! I really want to go back to school! :-D

Question about Personal Loans?

Friday, August 19th, 2011

I was just denied a ,000 dollar small business loan from a local bank. I needed it to buy audio equipment to start a small DJ service business. It was denied because of lack of equity or collateral, and because I’m about 00 in debt. (Note: I’ve been making monthly payments on all my debts.)

Would a personal loan be the better route? I don’t have a full-time job, I just DJ for a local sound company, and regularly at bars around town, puting me at about 0 a week income. (because I just lost my day job.)

The reason I want a loan to buy my own audio equipment, is because if I was using my own, I’d be making at least three times as much—putting me at about 0-00 a week, at least. It doesn’t even technically have to be made into a small business. I could just "work for myself."

SO—If I explain my plans and reasoning behind the personal loan request, and explain how I’m making payments on my debts…..How likely is it that I will be approved? What else should I do?

Question about Personal Loans?

Friday, August 19th, 2011

I was just denied a ,000 dollar small business loan from a local bank. I needed it to buy audio equipment to start a small DJ service business. It was denied because of lack of equity or collateral, and because I’m about 00 in debt. (Note: I’ve been making monthly payments on all my debts.)

Would a personal loan be the better route? I don’t have a full-time job, I just DJ for a local sound company, and regularly at bars around town, puting me at about 0 a week income. (because I just lost my day job.)

The reason I want a loan to buy my own audio equipment, is because if I was using my own, I’d be making at least three times as much—putting me at about 0-00 a week, at least. It doesn’t even technically have to be made into a small business. I could just "work for myself."

SO—If I explain my plans and reasoning behind the personal loan request, and explain how I’m making payments on my debts…..How likely is it that I will be approved? What else should I do?

i am 17 and want to get a boob job when i am 18, i have about £1000 so far?

Wednesday, August 17th, 2011

and want to know the best way to go about getting a loan or finance and how much a month and all together that i would pay back. i am a student and have a part time job, so would i be able to get the money or would i need to get a full time job 1st?

I've been trying to apply for a payday loan for bad credit people?

Monday, August 15th, 2011

Everytime I try to apply for a bad credit loan I am always denied. My credit score is 585. I have a full time job working about 50-60 hrs a week. I am willing to pay it back. All I need is 300. Can anyone answer this?

Bad Credit Unsecured Personal Loan Help?

Sunday, August 7th, 2011

I am on Social Security Disability and my fiance has a full time job. I have been on disability for 4 years and he has been on his job for 4 years. Together we have a gross income of 00 a month. He has poor credit and I have fair credit. We are looking to find a bad credit unsecured personal loan to help pay off some debts. We would want it to be in his name with me as a co-signer as well. I have credit cards and debt in my name that I am paying off on my own personal loan that I received with the help of my father as a co-signer. He doesn’t want to ask his family for co-signing help. So it is just us. Does anyone have any suggestions for companies that don’t ask for a fee just to apply for a personal unsecured loan that is geared towards people with poor credit? We also have excellent rent history of living in the same apartment for over 5 years. We do not own a home. We would like to try to get a loan but don’t know if it is possible. Any suggestions would be great. Thank you.

Can I loan money from the bank to help me buy a used car with the little amount of $1000?

Saturday, August 6th, 2011

I have a full-time job though.



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