Date: May 28th, 2007 1:10 PM
Author: Cherrywood

http://www.lawschooldiscussion.org/prelaw/index.php/topic,88679.0.html

This is my situation. I have 17K credit card debt (bad spending, trust me im an idiot) basically, i had a job for 2 years getting paid about 5K a month. there was no need for credit cards, but i just wanted to "build credit". the job ended without notice, in a matter of 2 weeks, and well, that money stopped coming in and well, i had my money in a car, house and a whooooole lotta crap i didnt need. not to mention i was living like a baller- i was 22 when this started and 24 when my empire collapsed. after selling all my personal possessions and moving back home, parents bought the house and rent it out now, im broke as ever. my current job yields 2 grand a month and after cc payments, car payments, insurance and phone bill, i have 300 bucks left which goes to gas and mcdonalds.

and i owe 20K on my car. I wanted to consolidate these debts into my student loan because i dont want the burden of having to make a monthly payment especially when i can not work. The way i see it is, after i graduate i will still have to pay this money back, however i will not have a car payment or credit cards to deal with when i start my first job- yes, my loan payment will be higher, but my over all expenses will be lower considering the lower interest rates and the fact that i wont have extra car payments or credit card payments.

The budget i was shooting for the first year was approximately $85K, give or take. That would be for 37K first year tuition, room and board, 37K car/credit card payoff and 12K for first year living extras, including car insurance, gas, maintenance and emergency fund (hurricane evacuation travel expense, medical woes, anything that just comes up, etc)

Please let me know if i am talking over my head as i have little idea of how i go about getting budget increases!

is this even possible? will the school buy it???

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178736)

Date: May 28th, 2007 1:11 PM
Author: ........... ..,........., ........ ......,.... ...

keke

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178739)

Date: May 28th, 2007 1:41 PM
Author: sarcaschtick's Dead Dad

"unless you have some serious connections, which i dont, the good ol' boy system will paralyze you."

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178878)

Date: May 28th, 2007 1:45 PM
Author: Cherrywood

here's the full post

http://www.lawschooldiscussion.org/prelaw/index.php/topic,88679.msg2252315.html#msg2252315

Para thanks,

Trust me ive gotten my finances on hold- i was never really in over my head so to speak, i was simply unable to catch up. i mean, i can make all my monthly minimums, but thats it. i also now live at home. my parents simply took over the house payments, well, they do real estate investing and bought it and rented it out. no money was made. i only had the house for a year so no equity was really built.

basically, i understand i cant get the 85K i need to turn my life around. i mean, i can get it, just not through loans. pisses me off, really, because i was lookin forward to that lower monthly interest rate across the board and a timely deferral until i start makin the big bucks again. the way i see it, is im a fair shot at starting at 60k at least- 5k a month, back to what i was making before granted more bills- however, more fiscal responsibility.

and yesssss, debt is slavery!!! its a black cloud raining on me everytime i try to move. only time will tell but i hope i can find some good work here. you guys really dont understand how backwards, old fashioned, unambitious the city of charleston and the entire state of SC is. theres a girl i currently work with who is basically the poster child for women here (omg, please dont give me a fem nazi thing, its MY experience, not yours)

anyways, her high school teacher came in and saw her- asking where shes going to college. the girls response "well, dropped out of high school, im pregnent, getting married and just bought a trailer" she said this with pride and a smile.

i wish u could have seen the teachers face. the girl just turned 18 by the way. im trying to claw my ass out of here ASAP.

unless you have some serious connections, which i dont, the good ol' boy system will paralyze you.

its really not a matter of where i go- its where i can get away form here. also, any law degree will wrok in this town if i want to come back- which i dont- which is a good thing

ok enough ranting, time to head to work, again....

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178891)

Date: May 28th, 2007 1:13 PM
Author: theblackening

hysterical

this guy should killself.

also, everyone seems to be neglecting the fact the douchebag probably doesn't even have the title to his car.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178742)

Date: May 28th, 2007 1:15 PM
Author: Cherrywood

maybe it's elaborate flame?

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178745)

Date: May 28th, 2007 1:21 PM
Author: nyc78999987

Send him this, again. The new Loyola LA theme song:

http://youtube.com/watch?v=e7iyjsLlsyk&mode=related&search=

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178762)

Date: May 28th, 2007 1:25 PM
Author: Harvard Mouth in his Faggoty White Uniform

Really amazing singer.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178784)

Date: May 28th, 2007 1:22 PM
Author: theblackening

i thought so, i checked some of the other 88 posts.

the guy bought a mazda secondhand for 20k, doesn't have a title, and lives in SC. he really is a fucking idiot.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178773)

Date: May 28th, 2007 1:23 PM
Author: Cherrywood

no title? lol

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178776)

Date: May 28th, 2007 1:24 PM
Author: theblackening

for the car, obviously. buying a mzada secondhand is killself territory.

mazda's aren't exactly hondas or toyotas when it comes to reliability. he's going to be stuck making payments on a car that doesn't drive.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178778)

Date: May 28th, 2007 1:30 PM
Author: Harvard Mouth in his Faggoty White Uniform

"buying a mzada is killself territory."

Fixed.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178816)

Date: May 28th, 2007 1:31 PM
Author: theblackening

LOL, fair enough.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178820)

Date: May 28th, 2007 5:38 PM
Author: bubbler (now a legit TTT)

Whatever, I've driven two secondhand Mazdas and they are fine - just take care of your fucking car, which this guy is too retarded to do.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179844)

Date: May 28th, 2007 1:27 PM
Author: RoyMunson

Yet another case of a true idiot constantly acting without any concern for the future and expecting others to bail him out for his own stupidity.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178795)

Date: May 28th, 2007 1:28 PM
Author: Cherrywood

And he's about to work in the justice system!

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178800)

Date: May 28th, 2007 1:29 PM
Author: theblackening

yep, except he'll probably get flunked out.

LS ain't the citadel. if you can't get grades better than C in rigorous academic courses like running and marksmanship, LS may be a struggle.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178810)

Date: May 28th, 2007 1:39 PM
Author: Cherrywood

he's from the acclaimed citadel? my respect for that school just dropped.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178869)

Date: May 28th, 2007 1:28 PM
Author: theblackening

yep, douchebag small business owner.

thank god they at least changed personal bankruptcy laws.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178803)

Date: May 28th, 2007 1:28 PM
Author: sarcaschtick's Dead Dad

You'd think he'd want debt that's easier to discharge in bankruptcy.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178799)

Date: May 28th, 2007 1:29 PM
Author: RoyMunson

he doesn't seem to understand that he shouldn't be making payments on a car that is worth more than 80% of his annual salary; i'm pretty sure he has no fucking clue that bankruptcy is even an option, and i'm certain he doesn't know the difference between dischargable and non-dischargable debt.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178806)

Date: May 28th, 2007 1:29 PM
Author: David Krieg

ballers don't think that far ahead

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178807)

Date: May 28th, 2007 7:35 PM
Author: Xenn

future time orientation racist.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8180288)

Date: May 28th, 2007 1:33 PM
Author: theblackening

he's a fucking idiot.

restaurants have the highest turnover of any type of business.

i'm surpised he didn't burn it down for the insurance.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178828)

Date: May 28th, 2007 1:32 PM
Author: A Simple Asian Man

what toilet is this luser going to be attending?

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178826)

Date: May 28th, 2007 1:33 PM
Author: theblackening

st thomas something in FL

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178832)

Date: May 28th, 2007 1:34 PM
Author: A Simple Asian Man

oh jesus christ, it keeps getting worse.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178836)

Date: May 28th, 2007 1:40 PM
Author: Cherrywood

oh my

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178873)

Date: May 28th, 2007 3:56 PM
Author: I use the tears of ttt students as lube.

There's a place called Miami Lakes five minutes away that "seems to be THEE place to be."

http://www.lawschooldiscussion.org/prelaw/index.php/topic,88440.msg2253849.html#msg2253849

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179418)

Date: May 28th, 2007 4:00 PM
Author: Cherrywood

He's going to benefit so much by living there. He'll mack pussy by dropping the law student line.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179437)

Date: May 28th, 2007 4:29 PM
Author: A Simple Asian Man

i refuse to believe that kid is for real.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179562)

Date: May 28th, 2007 1:34 PM
Author: loafer

don't be so tough on him. he just doesn't have a future time orientation.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178837)

Date: May 28th, 2007 5:42 PM
Author: Jimmy McNulty

175

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179858)

Date: May 28th, 2007 6:04 PM
Author: SellOut

http://catallarchy.net/blog/archives/2006/05/22/future-time-orientation/

ridiculous

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179958)

Date: May 28th, 2007 1:46 PM
Author: lookthengo

"unless you have some serious connections, which i dont, the good ol' boy system will paralyze you."

Hilarious. A rich white southern boy complaining about getting screwed by the good ol' boy system.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178897)

Date: May 28th, 2007 1:53 PM
Author: Yersinia Pestis (speaking TRUTH to EMPOWER!)

He might be a homo - he did complain about the quality of women in SC, which in my experience, are superb.

OTOH, he may just be a delicate and misunderstood, tormented genius, so unlike all those *other* rubes in the state. I mean c'mon...

"and yesssss, debt is slavery!!! its a black cloud raining on me everytime i try to move. only time will tell but i hope i can find some good work here. you guys really dont understand how backwards, old fashioned, unambitious the city of charleston and the entire state of SC is"

Deep thinker here

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178934)

Date: May 28th, 2007 1:54 PM
Author: Harvard Mouth in his Faggoty White Uniform

Charleston is the most forward city in SC. This guy's an ass.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178937)

Date: May 28th, 2007 1:55 PM
Author: Yersinia Pestis (speaking TRUTH to EMPOWER!)

Agreed

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178943)

Date: May 28th, 2007 1:55 PM
Author: theblackening

he's probably socially retarded and didn't realize you had to leave the citadel campus to pick up girls.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178945)

Date: May 28th, 2007 3:16 PM
Author: loafer

every time he tries to move, a black cloud rains on him! that's just like slavery, right?

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179271)

Date: May 28th, 2007 1:53 PM
Author: sarcaschtick's Dead Dad

That whole thread is full of morons.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178936)

Date: May 28th, 2007 1:57 PM
Author: 45 yo man posting from Filene's basement

he owes $20K on a $15K car -- I'd borrow $10 K from his parents, sell it for bluebook, and buy a $5K car. He'd still be $10 K to the good.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178949)

Date: May 28th, 2007 1:58 PM
Author: theblackening

he can't sell it, at least not for bluebook. he doesn't have the fucking title.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178950)

Date: May 28th, 2007 2:00 PM
Author: Zoomtard is the retardedest!!!!

He can probably get one.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178953)

Date: May 28th, 2007 2:04 PM
Author: theblackening

did you read his posts? duplicate title? this guy?

It would appear doubtful.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178969)

Date: May 28th, 2007 2:05 PM
Author: sarcaschtick's Dead Dad

I'll rephrase: There exists a process by which it is possible to get another title for one's car.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178971)

Date: May 28th, 2007 2:18 PM
Author: any major dood

you forgot to switch monikers again, highschooler.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179020)

Date: May 28th, 2007 2:31 PM
Author: sarcaschtick's Dead Dad

1 - That's "high schooler."

2 - Oh, no! Now they know that "sarcaschtick's Dead Dad" is a schtick account!

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179065)

Date: May 28th, 2007 8:13 PM
Author: any major dood

well, when you were flaming me the other day you were trading dead dad with judas to look like you were multiple people, which is pretty lame. i still murdered you

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8180479)

Date: May 28th, 2007 2:01 PM
Author: 45 yo man posting from Filene's basement

The discussion at lsd impled carmax would take the car and $5K, and then would send $20K to the bank.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178960)

Date: May 28th, 2007 2:01 PM
Author: Yersinia Pestis (speaking TRUTH to EMPOWER!)

I wish I'd learned about stuff like this in property instead of my crackpot professor's marxist theories.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8178961)

Date: May 28th, 2007 2:17 PM
Author: theblackening

fucking commies.

it's funny how absurdly distant from practice LS is.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179018)

Date: May 28th, 2007 3:20 PM
Author: nowitzness

no one gets title to a car when its financed. thats the whole point. once he sells the car, pays the bank off, then they will give him the title. not trying to stick up for the dumbassury of this guy, but way too much is being made about this title issue

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179286)

Date: May 28th, 2007 3:17 PM
Author: loafer

has anyone posted a link to this thread yet?

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8179278)

Date: May 28th, 2007 8:06 PM
Author: lookthengo

lol at one poster's sig:

"someone let me in already. dammit.

regular cycle tally: 0-8-4 (accept, WL, deny)

waitlist cycle tally: 0-8-0-0 (accept, pend, withdraw, deny)

I can almost feel the acceptance. It's ALMOST here. Come on...."

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8180452)

Date: May 28th, 2007 8:22 PM
Author: ObviousTroll

FWIW, "waitlisted" is a frequent poster on XOXO.

(http://www.autoadmit.com/thread.php?thread_id=637679&forum_id=2#8180518)