/jp/ - Otaku Culture

What kind of idiot goes into debt?

>implying NEETs have dept

Of course I don't have any.

>That feel when Corean shitposters flood into /jp/ creating shit threads that target their own self identity and security issues and attempt to make themselves feel better about themselves

>>7481163
Insecure tai/jap detected.

7k student loans, 1.5k bank overdrafts 5k jail boarding fee, various restitution costs and court fees ~1.5k

IN short, a lot with absolutely nothing to show for it.

Why would I?

I live with my mom and my monthly stipend that she gives me funds my hobbies. I have no need to live this place.

I consider myself to be in 75 dollars of debt due to ordering a figure and not having 75 dollars yet.

None, which is saying something considering I had like 5 years of uni. I suppose that's one of the reasons I'm so good at taking it easy; I'm not constantly stressed/agitated with massive debt clouding over my head.

My computer broke a while back and I'm out of work.
I purchased a Laptop on my credit card.
That's $350 at 43% APR and I've no way to pay it back, not that I intend to anyway.
As with all unsecured debt, it's basically free money.
If any debt recovery company phones or comes to my house I will simply send them a cease and desist letter and report them for harassment.
Fuck all they can do, and no I don't care about my credit rating.

>>7481163
>Starcraft 2
>Corean

>>7481188
>massive debt clouding over my head

It's only a problem if you're intent on paying it. I have no interest (or ability) in paying mine.

Nothing, I actually work.

I used to pay my cellphone bills and my internet bills until my mother started taking the bills and paying them for me. I really don't know why she does that.

No wait, I know. She doesn't want me to leave her alone with my incompetent yet adorable sister.

>>7481202
Corea loves our superior game designers

I owe nothing though I still live at home. Got a few thousand to my name, own my own car, 40" TV, PS3/360, just purchased my new computer for £1200 a month ago. I'd say I'm doing pretty good for being a NEET for 4 years now. Fuck yeah, government benefits. I imagine I'll be fucked if I ever decide to move out though.

>>7481196
43% ?
That's pretty high.
$150 per year interest, plus late/default charges.

20k in student loans that come into repayment this month. Can't pay it so fuck them.

>>7481208
Pretty much everyone with debt works, naively they think they can dig them selves our of the mess they put themselves in by working more.
You're not really in a position to judge anyone though if you still live with your mother and she pays all your bills.

Anyone who has mentioned studen loans: you can't discharge them. They will shackle you until you repay them, accumulating interest that you can never get rid of. I would suggest economic hardship deferments.

>>7481219
Pretty sad that all you have to your name is a few electronic items, you actually define yourself by them, that's very sad.

>>7481239
This is jp I don't think anyone here is any different.

>>7481227
If it's money you owe the Government they'll issue your employer with a wage garnishment order (they automatically deduct a sum from your pay cheque)
That is if you actually are in work though, if you're unemployed you can't be issued one.

>>7481254

How so? I have plenty to my name, I was just listing the only stuff I actually put to use. I did say I was a NEET. I rarely, if ever, leave my room so what would you have me list?

>>7481266
The majority of /jp/ aren't really neets living of the their mum/benefits by the way, most people here are actually normals.

>NEETs with student loan debt.

How does this even happen? Did you enroll in college during a misguided bout of depression and then drop out once you realized that you couldn't handle all of that socialization?

I always find it hilarious how the student loan debt you see on /jp/ is usually around 20k, which works out to about a year's tuition. Why did you even bother to go to college if you just dropped out after the first year?

>>7481268
If I had a job I would be paying it.

>>7481277
Not all tuition costs are the same.

>>7481240
What he said, you can only avoid paying unsecured debt (Credit cards, store cards, phone/tv bills), secured debt (student loans, court fees, mortgages, bank loans and money you owe the government) will haunt you for the rest of your life. If you really have no intention of paying it, you'll have to move to another Country for at least 7 years.

>>7481277
im noob as HELL in real life...do you really pay for ALL of college in the beginning and not per semester?

>>7481283

Anything less than 20k is a community college and that's just fucking sad.

>>7481240
Don't you need to have kids or be actively looking for a job (job agency) to get a deferment?

>>7481239

People of my class who have a GED are less likely to have debts unless they decide to get a loan on a house and a car. However, those who went to university seem to get fucked for a long time.

Personally, I lived 2 years in an apartment and I never got any money problems. I did myself a budget and put myself a few hundred bucks a month in my "just in case" bank account.

>>7481285
>you'll have to move to another Country for at least 7 years.
No, that doesn't work with secured debt, you HAVE to repay it back unless you leave indefinitely.
If you have say $20k of credit card bills and leave the U.S for 7 years and come back, you can clear it. If you have $20k of secured debt, like you said, no matter what you do it'll always be there.

>Family member is probably going to die soon.
>Will get 100k in life insurance.

>Thinking about just moving to Thailand with this and living in a little apartment for the rest of my life.

Good idea or bad idea?

M M A

SO
FUCKING
GOOD

MAH BOI

>>7481293
You need to be in work and earning more than a set salary (not sure what the figure is).
It continues from one job to another until it's paid of in full (satisfied)

>>7481277

I dropped out after 6 years. Couldn't figure out what I wanted to do with my life, but had the idea that I HAD to go to university hammered into my head from a young age. I'm not sure exactly how much I have in student loans, but it's probably close to $20k

>>7481288
In-state tuition at most state universities is less than that.

>>7481314
100k won't get you far, better to just save it. Buy a cheap apartment or use it as deposit for a nice house.

>>7481331

Really? I heard that things are cheap as hell in Thailand if you're converting from dollars to whatever Thai people use and you could live a rather long time off 100k.

>>7481314

Thailand: Not so good.

I won't make any specific recommendations, but you should probably invest most of it, that way it'll last way longer assuming you get some kind of decent returns. Actually come to think of it 100k would work as a down-payment on a house in many parts of the country (if not flat-out just buy a house depending where you are).

>>7481325
Waste of time and money if you ask me, before you even start your life you're in like $50k of debt. You don't really want to be starting you're life with all that hanging over your shoulder.
I'd rather just work in a crappy job and work up, at least I'm actually earning and not owing.

>>7481337
Not unless you want to live in some shitty corrupt, crime ridden ghetto. The nice places in Thailand are very expensive, every where else is a shit hole.

instead of Thailand, move to Taiwan, get Chisame to become your maid.

i've got so much i'm afraid to calculate it.

owe $10k on a civic i wrecked while uninsured
defaulted on 2 credit cards with $1k balances
owe $1k more (and counting) for an emergency room visit

but at least i dropped out of school so no loans.

I've got about 35,000. Graduated college, haven't been able to get a good job yet

I hope we get some currency inflation to wipe it away

>mfw when I have no debt when getting out of college

>mfw I have 0 debt

Feels good man. If I wasn't NEET, every dollar after taxes I'd get would be mine.

It's fascinating how unbelievably expensive murican education is.

I guess we former communist all mostly get free education all the way. Also free food as students.

>>7481479
I hate you nigger

>>7481504
Your anger makes me laugh

> he didn't save his federal and state tuition aid money by doing 2 years of free community college and transfered to a university on year 3 and went to college for free

>>7481453
That's $13k btw.
Why do you let it bother you so much, what are they going do do, throw you in jail? oh right america, sux 2 b u lol

>>7481526
>community college
Enjoy working at Mccy D's bro.

>>7481530
HERP DERP COMMUNITY COLLEGE XDXDXD

You are the people who leave college with a mountain of debt because you have absolutely no idea about community college transfers.

People who transfer still graduate with a bachelor's from a full-fledged university just like everybody else. The difference is that they only paid for 2 years worth of that, instead of 4.

>>7481527
Actually, you can only go to jail on non-payment of court fines and in some states, child support delinquency. Debtor's prisons are largely a thing of the past.

>>7481162
>>7481163
>>7481314
>>7481479
>>7481484
>>7481526


SHUT THE FUCK UP AND GET THE FUCK OUT WITH YOUR GREENTEXT SHIT, YOU SUMMERFAGGOTS PIECES OF SHIT.

GO BACK TO /A/

>Never even consider going to college.
>Live with my parents for three years after college.
>Sell shit on ebay while practicing art and programming.

>My face when I regularly sell commissioned porn, have a small but thriving reselling business on ebay, and will soon be making some small indie games that I can sell.

I'm living in my own apartment and living better than most college graduates, have zero debt, and I never need to leave my house. So what was the point of higher education again?

>>7481548

SHUT THE FUCK UP AND GO BACK TO /a/

>>7481548
To buy some fat men some nice summer house.

~$20,000

Feels bad.

>>7481538
I didn't rack up debt from Uni, I got a job and paid for it. my dad paid half of it

>>7481548
Did you know that there's more than one path to "success"?

Now you know.

£43.000
Will be moving to Australia when I finish next year though. Thanks for the free education Britain.

>>7481565

>Did you know that there's more than one path to "success"?

You mean the path that leads to no jobs at all and crushing student loan debt?

>>7481570
Where in Australia do you plan on moving?

$5k
it'll be cleared by end of summer

>>7481574
Oh, I forgot, the unemployment rate among college graduates is 100%. You got me there.

>>7481581
My parents moved to Melbourne last year, I'll live with them till I find a job.

>>7481590
Ah, righto. Hope you like it in Australia.

I have over 100,000 USD in debt from student loans and a mortgage. I have a job right now, so I'm not too worried about it.

>>7481570
>Will be moving to Australia when I finish next year though

Jesus Christ.

>>7481570
My condolences.

If you disappear for enough years, you can have your family declare you legally dead, thereby discharging your debt automatically. (If you factor in that you will likely have zero dollars in your estate to give towards clearing it.)

Then again, you will have to fake a birth certificate in another country and remigrate, a process that can take years.

I am £873 in debt.

However, it is an agreed bank overdraft and has very limited interest, so its not all bad.

>>7481640
Also, don't choose Canada as your destination, as extradition laws can let them send your happy ass back to America if you try and flake on your secured debts. It's a crime, after all.

You'd be better off disappearing into a small town in middle America. Plenty of subsistence farming to be done.

>>7481163
That feel when I am korean browsing /jp/ and I notice other /jp/ers pretending to be korean and constantly making anti-koreans threads and everyone joining in to make fun of koreans and the janitors/mods lets it slide since they also like to make fun of koreans and I can't do nothing about it since I am a korean and get reported for being korean.

>>7481672
Reported for speaking about yourself in the second-person.

>>7481536
>that feel when people have been greentexting for years but you call them summerfags
>that feel when that feel isn't suppose to be greentexted, but you do it anyway because you get that feel

why would anyone listen to someone who hasn't even been around as long as greentext

>implying you were even around for when people were doing implying implications

>>7481672
High-five, also Korean, living in Canada.

>>7481672
That feel when RUN-ON SENTENCE AS FUCK

>>7481703
>living in Canada

Then you're not really Korean, are you?

>>7481723
Well, my parents were korean, I was born and raised in Canada though.

>>7481672
That's one long-ass sentence there.

11k in subsidized student loans (interest is paid until I get out of college; read: 2 years)

Feels bad. Gonna try and get a real job this semester to keep it at where it is.

>>7481672
Reported.

About 800 in bills, but that's about it.

I own 0. I've finished college. Contracted to the government at 200USD a month. I can't wait to be freed from this shit.