[ 3 / biz / cgl / ck / diy / fa / ic / jp / lit / sci / vr / vt ] [ index / top / reports ] [ become a patron ] [ status ]
2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

View post   
File: 54 KB, 1024x711, EjS3u76XcAAgMam.jpg [View same] [iqdb] [saucenao] [google]
23903812 No.23903812 [Reply] [Original]

I WILL LITERALLY NEVER BE ABLE TO GET A GOOD MORTGAGE BECAUSE OF MY CRIPPLING STUDENT DEBTS

>> No.23903826

>>23903812
You need to marry a woman who didn’t go to college

>> No.23903850
File: 78 KB, 550x369, boneyardbriansext_550.jpg [View same] [iqdb] [saucenao] [google]
23903850

I DONT WANT TO LIVE IN A FUCKING GEN Z TINY HOME BROS NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO

>> No.23903872
File: 83 KB, 800x569, 1497461660666.jpg [View same] [iqdb] [saucenao] [google]
23903872

>tfw I'm from yuroland and I was never in debt in my entire life, finishing college and I already have enough money to buy an entire house up front if I want at 23 years of age

>> No.23903878
File: 813 KB, 808x805, 8f4.png [View same] [iqdb] [saucenao] [google]
23903878

AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA

IM HAVING A MENTAL BREAKDOWN

>> No.23903915

>>23903872
IM FROM THE NETHERLANDS FAGGOT, STUDENT DEBTS BEING AN AMERICAN THING IS A MYTH

>> No.23903959

count yourself lucky you are unable to sign up for a 30 year debt contract making (((them))) your slavemaster

>> No.23903977

>>23903915
lmao did you go to some dumb private college where the only difference is that you have colorful walls with facebook cover quote memes on there

what a retard, you have the entire EU at your disposal to study wherever you want basically for free and you pick some meme college yikes

>> No.23904011
File: 504 KB, 828x857, 7BB871D8-7E4D-44F5-A7FA-4C0D14EA64A1.jpg [View same] [iqdb] [saucenao] [google]
23904011

>>23903812
At least you learned shit, right?

Right? You are knowledgeable enough to make some money?

Right, anon?

>> No.23904019

>>23903977
No, college itself only cost me 2k per year. I just had to move out because traveling from home was too far, and rent prices in this shit city are through the roof. And since my family is poor, I had to make use of student loans to pay for my shit.

>> No.23904032

>>23904011
big brain

>> No.23904037

>>23904011
Sure I can become a wagie no problem after I graduate this year, but its still going to take me years to pay off this shit loan.

>> No.23904048

The only reason anyone would go to college these days is for connections, and corona got rid of that meme very quickly.

>> No.23904081

>>23903915
Me too, 60k debt for me but it's fine.
Just get a mortgage with a wife anon it's not as bad as you think it is.
Me and my gf both earn an ok starting wage (50k before taxes for me and 45k for her) and we can easily get a mortgage as recent graduates.

>> No.23904090

>>23903812
buy RSR

>> No.23904099

>>23904019
>he got in debt from mere 2K per year
jesus christ, are you some pajeet village migrant or something?

so why didn't you get a part time job then? even if you worked like one day per week you could've paid that off.
hell, you could've even paid that pathetic non sum off with nothing but shitcoin airdrops, especially with the UNI thing. or rent with like 8 other people if you're that poor

>> No.23904104

>>23904081
How much? I did some online calculations and most of them end up with <200k. That wont even buy you a shed in todays market.

>> No.23904126

>>23904099
Mate housing and food is expensive here, total costs per year for everything in university (tuition, housing, food etc) will set you back at least 10k a year.
>>23904104
We can easily get a mortgage of 400k+ if we wanted to with our current salaries and I'm not even taking into account my bonus

>> No.23904141

>>23904099
Rent: 600 per month
Food: ~400 per month
Thats already a thousand per month and I didnt even include all the small things like a gym membership, nights out and stuff like that.
I work at a bar part time and make about 600 per month.

How the fuck am I supposed to pay for my shit without a loan?

>> No.23904160

>>23904141
>Food 400
That's a bit much anon you can easily get that down to 250

>> No.23904186

>>23904126
>>23904141
then go move back with your parents if you clearly can't sustain by yourself?
>gym membership, nights out and stuff like that
you literally barely have money for food, and you regularly pay for stuff like that? what's next, telling me you bought the latest iPhone as well?

man, people who go in debt are legitimately brainlets

>> No.23904187

>>23904141
are you eating gold?
i eat like an actual 6-10 lbs of food in a day and pay like 200/mo

>> No.23904206

>>23904160
he probably orders every single day, doesn't know how to cook a single thing and then goes in debt because he has to order in every single day

>> No.23904235

>>23904160
Yeah I'm only spending about 300 nowadays, but as a freshman I didnt really know how to minimise it.

>>23904126
400k is still not that much today unless you're willing to live in a village. But I guess thats still more than I thought.
How old are you two?

>> No.23904240

>>23903850
Them homes are amazing, I suggest you take a look around or ask an agent to show your around one before you judge.

>> No.23904269

>>23904141
Grow a set and ask for a pay rise.
Life hack - I have never been refused a pay rise in 20 years of wage slaving.
If you think you're worth it then so does your boss and I guarantee you that he is in fear that you'll ask some day.

>> No.23904270

>>23904186
Its 3.5 hours away from my college, moving back was no option.
And my reputation around my friends was always the cheap jew so I wasn't spending my money lavishly.

>> No.23904331

>>23903812
Im refinancing, 30 yr fix @ 2.5% on a 500k house, i have 150k paid down. What rate are you guys getting, I get shit in the mail and email saying they can get me to 2.35, but might have to buy a point.

>> No.23904337

>>23904270
>Its 3.5 hours away from my college
so when you got in that college and decided that you were going to move out from your parents and pay for everything by yourself, from rent to food and that you were also going to get gym membership and go out regularly etc, how did you think all of that would get paid? just magically by itself out of nowhere?

when I don't have money for something, I either earn that money or I don't get that thing if I can't afford it.
people like you just cement my opinion that the vast majority of people in debt are literal retards

>> No.23904336

>>23904099
You're talking to a fellow Euro like he's an American, it's disgusting to watch
I thought that level of hatred was reserved only for mutts, but I'm starting to wonder if you're all just assholes

>> No.23904403

>>23904336
a lot of mohammads call themselves "euros" these days
I have no sympathy for people who don't have money and still get these things they can't pay for AND then they cry about it.

some people on this board literally lived in cars just to get more LINK and stay alive, while these dumb fucks get in debt just so they can afford a gym membership and ordering food every day

>> No.23904459

>>23904141
While you were fucking whores in college, I was slaving at papa bezos warehouse. Eventually, after 5 years of hard work, i was promoted to operations manger with company training. In fact, I am making 120k a year. I pray to papa bezos everyday.

>> No.23904467

>>23904337
You fucking retard I was an 18 year old kid when I started college, you really think I was able to think rationally about the future? They advertise student loans here as if its free money that you have your whole life to pay them off.
It was the first time I had more than 50 euro on my bank account, and I was able to buy things without asking my dad for weeks. Obviously that lead to me not knowing how to handle money in the beginning.

>> No.23904498

>>23904235
400k will easily get you a nice apartment in Leiden or a nice rowhouse to start with in nice villages like Oegstgeest and Sassenheim etc.
It'll get you something nice enough, just don't expect to be able to live in the city center of Amsterdam like a king on two starting salaries.
Even now that we rent I'm able to put away at least 1000 euros every month for savings. Life isn't too expensive if you have a partner to split rent with

>> No.23904520

>>23903812
>have 14k student loans at 0% that i never bother to pay off.
can realistically buy a house and start looking at mortgages.
>turns out i can borrow only 135k. wonder what it is without the debt and it turns out i could loan like 170K
>call up DUO
>so i wanna pay off my debt
"thats good , we can look at your monthly payments"
>no i mean i want to pay off the whole debt
"excuse me?"
>Gives me an ideal link and i deposit the 14k.
>can suddenly get 20k extra loan with 1% interest

banks are weird

>> No.23904539

>>23904467
>I was an 18 year old kid
And your parents didn't teach you not to buy things you can't afford by 18 years of age? Seriously? We learned that in elementary school here.
>you really think I was able to think rationally about the future?
It's not your future, it's your present.
>They advertise student loans here as if its free money
And they advertise to buy the newest iPhone too, you just "pay a little every month" etc. You have to be braindead to fall under these ads.

I don't blame you anymore though, anon. You just had dogshit non existent parenting.

>> No.23904603

Soms heb ik medelijden met Nederlanders.

Waar vind ik een ondervoede Nederlandse vriendin?

>> No.23904635

>>23904539
If my parents knew how to handle money they wouldnt be poor.

>> No.23904674

>>23904467
i have sympathy for you. i'm an old genx fag and my generation was the last who could go to college and pay for it with side jobs.
my state tuition was $1700 / semester and that included dorm. I worked in the fucking cafeteria and made $550 per month....so was able to just squeak by.

pls tell me, what did you major in? Is it anything you can get a job with?

>> No.23904698

>>23904635
How old are you anon? What do you mean your parents are poor? They didn't buy a fancy car for you or something?

>> No.23904776

>>23904048
(((Corona)))

>> No.23904798

>>23904674
I'm graduating this year with a major in cs so I'm not exactly worried about a job, its just that its going to take me so fucking long to completely pay it off that its depressing.

>>23904698
Turning 24 this year. They were poor in a sense that they're still living in a rental home.

>> No.23904846

>>23904141
>400 on food

LOL fat fuck. Just fast and you can get that down to like 80 a month. Food is a meme.

>> No.23904891

>>23904846
I spend 200€ a week on food and i'm not even fat

>> No.23904949

>>23904798
I understand the point, however, not everyone was born with a full bag of cash. For instance, it pisses me off as well seeing fancy shit on Instagram. Be patient anon. I hope your lucky day will come soon.

>> No.23905586

>>23904240
But they are a financial cuckbox. Despite being nice on the inside.

>> No.23905691

>>23904539
>And your parents didn't teach you not to buy things you can't afford by 18 years of age? Seriously? We learned that in elementary school here.
we dont learn anything about money management in school. the jews dont want us to challenge their financial supremacy so they keep it out of goyim schools and teach it only to their own kids at home. instead we learn algebra.

>> No.23905702

>>23904206
In the UK I can get food pretty cheap. At university I lived poverty life to save money. I lived off around £5-6k a year I used to spend £25 maximum on food a week (junk food and healthier food can be found for that budget here), nothing has changed since working. More than £100 a month per person is just luxury.

>> No.23905801

Debt is a meme lol who honestly wants that shit

>> No.23905814

>>23904403
One thing I do like about mutts is the financially responsible of you are big on the whole 'drive a Japanese shitbox 200000 miles'. Here in the UK people spend huge percentages of their annual salaries on cars no matter what, there's less respect for reliable cars like Toyota's other than from taxi drivers.

>> No.23905856

>>23904141
Make a budget and have some discipline, scumbag

>> No.23907137

>>23903812
bro just browse here and become a millionaire in three months its so easy, are you a retarded?

>> No.23907280

>>23903812
Should have gone to some no-name state college instead of a football school, sucks to suck

>> No.23907377
File: 35 KB, 245x326, Gtleaf+_33989cb03bceacd605a33b0f3c3e62d7.jpg [View same] [iqdb] [saucenao] [google]
23907377

That's the crazy thing. I could make a pretty good down payment in the next few years with the 40k I have in investments and nobody would even give me the time of day on a 100k house because I have student debt.

There is truly no escape.

>> No.23907426

>>23903812
Biden will forgive your debnts

>> No.23907438

>>23904019
you are an absolute fucking idiot. 2k per year is nothing. you borrowed money to pay rent and groceries for years though....because why? this is why I have no sympathy for student loan debt fags....you're dumb as fuck. a part time job and a group of roommates is all you had to do to avoid your "crippling debt" you lazy cunt. you wanted a free ride in your college years....now you're paying the price.

>> No.23907514

>>23904798
>I'm graduating this year with a major in cs so I'm not exactly worried about a job
kek. if you're a white guy, you should be worried desu.

>> No.23907684

>>23907377
of course. the only thing that matters is your debt to income ratio. why would anyone want to lend you money if your current debts are already eating up your income? if they weren't already eating up your income, then you wouldn't have a problem finding a lender. make more money, or pay off your debts

>> No.23907931

>>23907514
If he's smart about job hunting and had at least one internship while still in school he should be fine. Covid forced a lot of companies to accelerate existing plans to switch to remote work, so there are more companies to choose from and you're no longer limited by where you live when job hunting.

>>23904798
You did get internships while you were still in school, didn't you?

>> No.23908020

>>23905814
Mate almost all Americans lease new cars for a fucking high payment per day

>> No.23908220

>>23908020
Month*

>> No.23908277

>>23903812
Get fucked

>> No.23908310

>>23904081
This.

My fiance didnt have any debt but i had about 40k in under and grad debt. Still got a 300k mortgage with 5% down at 3% last year with 100k combined income.

No excuse to be a rent cuck.

>> No.23908340
File: 50 KB, 400x527, 1101010611_400.jpg [View same] [iqdb] [saucenao] [google]
23908340

>>23905814
>One thing I do like about mutts is the financially responsible of you are big on the whole 'drive a Japanese shitbox 200000 miles'
This used to not be the case, it's just that we're turning into Mexico and no one can afford anything. When I was little people got new cars and moved around all the time, the stereotype was that a lot of people moved once every five years and got new cars once every three years, which is how leasing cars became a thing in the first place. Now everyone's single, lives three to one house, and I only know one dude who bought a new car in the past 10 years and it was a car he paid under $30K for, with everyone else driving ancient things to death that have over 200,000 miles on them.

>> No.23908502

My goal in this life, is to buy a house without getting a loan from a kike, using bitcoin to btfo the banking jew on all fronts.

>> No.23908956

>>23905586
It's not the size of the home. It's the title of ownership for the land. It's okay to start small, you egotistical faggot.

>> No.23909137

>>23903812
How can you be on biz and not have enough to buy at least a couple of homes outright RIGHT NOW?! link is 13 fucking dollars!!! You had 3 years

>> No.23909214

>>23903812
don't worry. Even though I paid off mine, I'll probably end up helping pay off yours with my taxes once the bubble bursts.

>> No.23910587

>tfw when your parents pay for u to go to a public state uni

Lol u faggots who bought the whole shit of going to a private uni are dumbasses

>> No.23910728
File: 6 KB, 264x191, dab them niggas.png [View same] [iqdb] [saucenao] [google]
23910728

get a 1k loan a month with 0% interest....no monthly expenses except my car...

invest it all free money lel

>> No.23910924

>>23910728
Based