Travel Budget, Money Matters, Financial Talk Mom, can I borrow ten grand?! Gimme yo mastercard! How the heck can I pay for my trip?! Ideas for making money. How much dough do I need?
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04-06-2005, 10:03 AM
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#1
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TPunk Recognized
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Yikes...its about time for me to start paying back....for TWENTY YEARS!!!!!!!!!!!!
ugh   
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04-06-2005, 11:19 AM
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#2
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Minister of Offense
Join Date: Jun 2004
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What's your interest rate? The rates are the lowest they've ever been. I consolidated my student loans and "locked in" at 8%, which was fantastic for 1998 or whenever it was. Now you can get it as low as 1.5%, so if you need to consolidate, now is a good time. Unfortunately, you can only do it once - unless you go back to school and take out another loan, so I'm sorta screwed 
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04-06-2005, 11:42 AM
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#3
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TPunk Recognized
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i was quoted 3.1 w/ the option of knocking it down to 2.1 if you do an autopay thing....which is nice
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04-07-2005, 05:19 AM
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#4
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TPunk Emeritus
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im considering becoming a teacher just so the government can pay my loan for me
ah 20 years of kids and subsidised mortgage repayments and a pension...hang on am i talking myself in to this
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04-07-2005, 12:03 PM
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#5
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T-PUNK VICE ADMIRAL
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I took the 10 year plant and a locked 2.77 rate which is reduced to 2.52 with autopay (tax deductable). My plan is to live very cheaply and pay 500 per month to have it paid up by 1st qtr end 2008. This will get me debt free and thats when I plan to hit the road...hopefully forever. If I had planned this a couple of years ago my student loans would be 25% of what they are now (16,000 usd). You live and learn. I am consolidating now since interest rates are rising and I need to lock it in and screw my lender (since inflations is averaging 3% and higher now!).
Just throw all you can at the loan and math will take care of the rest.
foofiter
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04-07-2005, 03:38 PM
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#6
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Yeh well i have $53,279 in student loans. My car was just repoed last year and all my Credit cards were canceled. I haven't paid my taxes in 3 years and I just sold my high school ring for 20 dollars to some crackhead so I can eat this month. 
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04-07-2005, 08:15 PM
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#7
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whoa, i thought i had it bad (6,000 us), how do you travel while in debt? im hoping to go to scotland this summer but im not sure if i should get out of debt before i leave
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04-07-2005, 08:29 PM
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#8
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By the way im just joking.
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~Butch Casady
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04-08-2005, 11:18 AM
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#9
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My wanting to travel has kind of been what kept me out of debt. I always kinda figured that if I was in it then I would have to put travel on hold. I was lucky though and was able to not have to take out student loans.
Do many of you travel while still under the loans or save up to get the loans over and travel after?
SuDZ
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