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Heavy positive credit debt with good income

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  • Heavy positive credit debt with good income

    I have 10 grand In credit debt and 10 grand in student loans
    I have 0 lates and I’m not outsided of means
    all of my obligations have been fulfilled since 2017 when me and my fiancé got screwed by medical bills how bad is that
    I won’t file bankruptcy but I’ll consider ccc to negotiate my interest rates lower to make an impact and as much as I want to start academy In July my cards will be 0 by next year working 70 hours a week for the railroad
    that’s 50 percent of my debt to income ratio

  • #2
    I have the amount of credit debt in my checking a bit I’m being more cautious and paying double minimums I don’t want to clear my accounts and fall on bad times

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    • #3
      I’m pretty sure as long as you haven’t defaulted on your loans or missed/late payments multiple times you should be fine. I have student loans and other loans I’m paying off but it was never an issue during backgrounds because I’ve made all payments on time.

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      • #4
        What's your question? Are you wondering whether you would make it through backgrounds or if you should stay at your current job until the debt is paid off?

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        • #5
          Don’t worry trust me. I have 50K in debt at the age of 23. 15 in loans, 4 in cc, 18 in car, 13 in personal loans. It isn’t a big deal if you’re on top of it all and doing well.

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