JeepMan831

JeepMan831 t1_iyb51lp wrote

I live in a HCOL area that's cheaper than the Bay. I could tighten up my budget a bit but all of my expenses (rent, food, travel...) come to $52k/year. OP, even if you adopted my budget, negotiated with your lenders to drop your APR to 0%, and put every extra penny towards paying off this debt it, it would still take you 6 years to get out from under this.

Idk how bankruptcy works but at this point I'd stop worrying about your debt and keep racking up credit card debt until you're completely maxed out and denied additional lines of credit, then declare bankruptcy and move to a LCOL area and start being financially responsible then.

Lmk why this is a terrible idea below, thanks

1

JeepMan831 t1_ixn7u1j wrote

1