im in debt like 5k, its not a huge deal. More of just an annoyance.

 

im at almost 4K debt, i want it off my back also, so when i apply for a mortgage, there will be no problem, but like you said, its an annoyance. i still need about $1200 into my car, and ill be done for a while, but i cant yet

 

i would finish school and work part time.

 

it wasnt an issue for applying for a home loan, between the two of us we have abotu 20k in debts i think...but its not like we're hurting either way.

 

shit...i guess i really dont need to worry about it that much then, just pay it off over time. my girl has perfect credit, she has about $1000 to pay off, no biggy.

 

yeah $5 k isn't that bad but still can be a problem. If your serious about getting a better job, you should look into finishin your degree. I am so glad I did that. It helped out a lot.

 

yeah, ive got 3600 on one card, 1400 on another, 4k or so on my car, and 2.5k to my dad for my downpayment... i want it gone though, it is annoying.

 

$5k isn't bad as long as you're paying it down and not adding to it, and, probably the biggest thing, AS LONG AS YOU'RE PAYING IT OFF ON TIME and not defaulting on anything. I only had $3k in debt, but I really messed up and had some late payments and defaulted on one and really messed up my credit. However, through a lot of persistence, my credit is about clean now and I got my car financed at only 8.5% interest.

And, yes, you will find there is a ceiling as far as how good a job you can get for most people unless you get a degree. I would definitely recommend doing that if at all possible.

 

i think ill get stuck at like 35-45k if i dont finish my degree...and its one of those things i need to do for myself, prove to myself i can finish something.

 

I hear ya on the fact that it becomes quite a nuisance. You just have it in the back of your mind all the time. I would definitely try to make some major dents in your debt. What i started doing is taking out a certain amount out of each paycheck to pay down my debts. Good luck, man.