Probably not as some have policies for how long you need to be there, like a year, before qualifying.

Thanks! I was hoping that would be the case. Appreciate your advice and concern.

Whats the program you are taking?

Whats the interest on getting student loans to pay for it?(have you looked).

Whats your income potential when you graduate?

All these help to shape what to do.

13% way to high if that’s the dealers fault find a diff one if that’s due to low credit score save up cash/improve credit for a while

I don’t have great credit as I’m 20yr old. I did take a 7k loan on a car 2 years ago to start building credit. It has gave me a total of 15 points. Never had a late payment always on time. I called my credit union and the lady said something about because the loan was to small to make a large difference in credit so she recommended a larger loan. I was offered 9% on a 36 month term which would be roughly 630 a month. My bills are low. Because I’m in a poverty ridden area so living is fairly cheap.

Well, if you are a valued employee it wouldn’t hurt to ask for a raise. Perhaps you could go in after speaking with an accountant armed with how their changes effect you financially and tell them you’d love to work something out because of how much you do love love working for them. Understand that losing and replacing an employer cost a ton of money so if you went in there valuing them they’d be motivated to compromise.

My work covered one class. I have submitted requests, but I was told that they have used all the 'training and prof development funds for the year.' I am job hunting, but I doubt I'd be able to land a higher paying gig that will also cover tuition in just a few months.

A lot of people telling you to move on, it's fine. I disagree. While it really is fine, to feel better you need to take steps to repair the damage and improve going forward.

Do you have a budget yet? Make one. That budget should contain a "discretionary spending" category. Decide on an amount to put there every month. Luxury spends go out from there. When you don't spend, it accumulates.

Now make another category, Hobby debt. Set it to minus 6000 and every month put PART of what you would normally put in discretionary there instead . Don't be too aggressive or punitive here, a small part will do. When it's paid off, delete it and now discretionary takes both incomes

In the future only spend what you have accumulated, or, if you're really certain you can manage it, do it the same way as now

I've been blocked. I don't know why that is so hard to understand. I cannot access my account I imagine because they have turned me over to collections.

Is there any cost of getting the loan? Fee for paying it off early? And credits/rebates for using dealer financing? You can always get the loan and pay it off the next month if you have the cash on hand. It’s much harder to get equity out of your car.

But you’re paying 7% on money you likely have sitting in a savings account making much less… paying 7% with post-tax money is like turning down a guaranteed 9% return. The only time that makes sense is if you are avoiding a higher interest rate elsewhere (need an unsecured loan for a home improvement, would use a CC with a high rate to cover expenses if you lost your job, etc).

Had a job that paid for my masters. They might also cover some form of student loan help too.

You should check the withholding rate on your commissions. Chances are that it is exactly 22%.

If your other wages are at least $109,225 (2023, Married filing separately) then this rate is too low. You need to add additional withholding to the regular checks to make up for the shortfall. The IRS calculator may be able to help.

Based on the size of your shortfall, you also need to make sure that your filing status on W-4 is Single or Married filing separately, or if it is joint that you take an adjustment for the other job in the household.

Well, you haven't really said anything about your income, other than that you put into an IRA bi-weekly.

What is your annual income, and what do your current expenses per month look like?

I’m one of the lucky few I guess. Our house was listed 80-90k less than its value on a random auction site. The listing company was from out of state and probably had no idea what it was really worth. Great neighborhood and great school district. 10 years later we still live here with a shit ton of equity. Nothing was wrong with the house besides a really overgrown lawn and hideous landscaping and the inside needed a fresh coat of paint. We had to buy it as is without radon/inspections but it worked out amazingly in our favor. We took care of the radon after we bought. We have no regrets. Best financial decision we’ve ever made.

Agreed

Perfect!

I didn't know the world map was a thing until I recently saw someone's wall with that set surrounded by several city architecture sets.

Oh my, I don't really follow YouTube channels...yet...

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An expensive credit building opportunity. I’d suggest OP look for a cheaper car, hopefully to buy cash or with a big down payment. Also shop around on the car loan. Might be able to get a better rate.

what note?

Here is one quick trick to save yourself tons of money:

Stop talking about purchases in terms of monthly payments!!

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Kinda sounds like a credit issue and could be a credit building opportunity

See paragraph 1. Whatever works for you.

It's an emotional arrangement first that needs money (like all things) to function. If you're comfortable at a different level of support/contribution great.

I'm not trying to have the romantic inclinations of a wet sponge but this is a finance sub and not a relationship one. It's sort of like seafood; you can't put your finger on what makes it right but when it's bad you both know.

Giving a set dollar amount doesn’t really make much sense here. What matters more is the interest rate and terms of the loan, your income, and your expenses.

Some people can afford much more than $250 a month. Some can’t afford a car payment at all.

Depends too tattooed person can't just don't plasma though as per I have heard and researched. Am I right?