Internet's first get-out-of-debt community - 144,000 members

Posted: Sun Jul 15, 2007 10:20 pm Subject: just young and careless

what is there to say other than nobody taught me that credit was the most important thing next to cash and paying your taxes in this country. I'm only 23 and won't goto college just because i know i already don't need another loan until things are straightened out after i screwed it all up.

yup thats my story

Posted: Mon Jul 16, 2007 4:48 am Subject:

I'm sorry ur finding urself in this mess at such a young age missy but then again, u are young and should be able to get this under control and regain ur credit again, still being young!
Welcome to the forums and if u've registered someone from the site will contact u shortly to discuss ur debt issues and help u come up with a plan to be debt free!
Good Luck,
Ang

Posted: Mon Jul 16, 2007 7:03 am Subject:

That is a tough lesson many of us have to learn the hard way. Learn from this, and once you are back on track, try your best to never get in the same state. I know that can be easier said than done sometimes, because unexpected things happens, heck, life happens.

Good luck and try not to let it get you down too much.

Posted: Mon Jul 16, 2007 8:30 am Subject:

I have been where you are. I ended up doing some very stupid things with my credit too, when I was in my early 20's.
In 2004, I had to declare bankruptcy at 25 years old.
I've learned from my mistakes now though, and i will NEVER make the same mistakes when it comes to money again.

Good luck to you! I hope you find a plan that is right for you and you are able to get out of debt.

Posted: Thu Jul 19, 2007 11:16 am Subject:

It really does seem like the end of the world when you are young and in debt. It feels like you will never get out. It is always so much faste and easier to get in then it is to dig yourself out.
You have found the right place though. Everyone here is so helpful with figuring out what would work best for your situation and also things to stay away from.
I wish you much luck!

Finding Financial Peace · Posted: Thu Jul 26, 2007 6:39 pm Subject: young and careless

Missy, don't worry. It's better to learn these lessons when you are young. You have plenty of time to bounce back and maybe college will be somewhere in your future. Smile

Posted: Thu Jul 26, 2007 8:17 pm Subject:

lil missy, public jr. colleges are relatively inexpensive, and you may qualify for financial aid...

Posted: Fri Jul 27, 2007 3:48 am Subject:

lil missy, please do not give up on the thought of ever going to college. As Morningstar said, community colleges tend to be inexpensive and there are many grants and other programs such as federal work study to help with the cost of tuition. There are few things more valuable than a college education and it is a good investment and there is money out there to help those that want to attend. Smile

You are so young, you will be able to clean up your credit and have a fresh start and have a wonderful life. It is great that you are realizing now and not later how important credit is.

Posted: Tue Sep 04, 2007 8:06 am Subject:

At 23, you have plenty of time to still do college. I wish I had started down the road to recovery from this when I was that age. I had problems even back then but always thought I could solve them myself.

Posted: Wed Sep 05, 2007 2:22 am Subject:

Yeah, no kidding. I'm 29, and my first day of school was today. I (now) regret not having started much sooner. A small amount of pride will bite me in the butt when I finish, as I'll have a long line of supervisors who could be 10 or more years younger than I.

Posted: Wed Sep 05, 2007 3:42 am Subject:

Congrats morningstar. Your doing fine, and your young and enjoy it.

Posted: Mon Sep 17, 2007 6:27 pm Subject:

I owe 20K. But I will not stop college. Even if I have to walk to it. Even if I am hungry I am getting out of the hole.

Posted: Mon Sep 17, 2007 7:34 pm Subject:

Good for u Stef! That is a great attitude to have! NOthing will ever replace a college degree!
Good Luck,
Ang

Posted: Tue Sep 18, 2007 6:57 am Subject:

Thanks Ang! I wasted 3 years working and working only. Didnt save a dime. Didnt learn anything new, didnt make any progress. And I have to say "thanks" to my girlfriend that I met 2 years ago, because she was the push that I needed to get with the program. Smile