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Serious GF will have 200k+ debt soon, no job prospects
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Date: August 22nd, 2010 3:40 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852360) |
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Date: August 22nd, 2010 3:41 PM Author: cerebral doobsian tattoo you can marry her and choose to file taxes separately, go to lemonparty.org to find out more about this (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852372) |
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Date: August 22nd, 2010 3:42 PM Author: Buff electric ceo point lol pwned. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852382) |
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Date: August 22nd, 2010 3:43 PM Author: Magical theater stage if you marry her, why does it matter? you'll be with the woman you love and live happily ever after. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852390) |
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Date: August 22nd, 2010 3:45 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852416) |
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Date: August 22nd, 2010 3:53 PM Author: Supple church building lol (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852479) |
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Date: August 22nd, 2010 4:39 PM Author: thirsty box office puppy lol so break up with her (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852865) |
Date: August 22nd, 2010 3:44 PM Author: Impressive citrine space But that kind of debt with no prospects is in itself evidence of a moral defect. People have been denied from C&F for that shit. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852404) |
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Date: August 22nd, 2010 4:13 PM Author: Aromatic chocolate meetinghouse quadroon so if you graduate law school paying full price you can be dinged by C & F if you don't got a job lined up?? are u really saying these words? (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852662) |
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Date: August 22nd, 2010 5:08 PM Author: racy outnumbered mental disorder menage There are no C&F problems for debt load. There are problems if you simply refuse to pay them. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853105) |
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Date: August 22nd, 2010 5:24 PM Author: cream main people i need to refresh before posting (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853244) |
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Date: August 22nd, 2010 5:24 PM Author: cream main people maybe if you have judgments against you. otherwise no. Seriously we'd have no shitlawyers at all (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853235) |
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Date: August 22nd, 2010 5:29 PM Author: Exhilarant Locus Water Buffalo http://www.nytimes.com/2009/07/02/business/02lawyer.html?_r=2&hp (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853286) |
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Date: August 22nd, 2010 3:45 PM Author: painfully honest stock car turdskin You're an idiot if you marry her with that kind of debt. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852407) |
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Date: August 22nd, 2010 3:45 PM Author: Cracking ladyboy TIOCTCR (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852413) |
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Date: August 22nd, 2010 3:46 PM Author: Aqua Orchestra Pit Foreskin +1 (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852418) |
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Date: August 22nd, 2010 3:46 PM Author: Buff electric ceo point for real. A good woman is simply not that hard to find. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852421) |
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Date: August 22nd, 2010 3:46 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852425) |
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Date: August 22nd, 2010 3:50 PM Author: Buff electric ceo point You'll basically have to pay off her $200k plus interest and will probably resent her for the entirety of your marriage. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852456) |
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Date: August 22nd, 2010 3:57 PM Author: Magical theater stage why would he have to pay though? why coudln't they keep debt separate. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852510) |
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Date: August 22nd, 2010 3:57 PM Author: Glassy business firm explain the concept of keeping debt separate please. tyia (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852518) |
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Date: August 22nd, 2010 3:58 PM Author: Buff electric ceo point I imagine this would cause problems if she can't/can't easily pay... (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852526) |
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Date: August 22nd, 2010 3:58 PM Author: Bearded spruce generalized bond This scenario will drive you broke and crazy, broheim. She is a born striver as evidenced by her desire to go broke for a LS that she cannot afford. She is also a real dummy if she cannot find a job with her alleged "7" looks. This is the perfect storm. She will want everything that her girlfriends have been setting themselves up to achieve while she has been wasting her time in law school. You two cannot afford any of these things. They include a nice house or apartment, nice cars, unlimited shopping and dining out, international jetset travel, and kids before age 30. After 30 it will be a second house at the beach. Unfortunately you'll still be renting your first apartment. She will likely totally ignore her debt and somehow blame you for it or call it your debt. She'll do whatever she needs to rationalize in her mind that she has done everything she can to get ahead and the families failures, as compared to the Joneses, are all your fault. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852523) |
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Date: August 22nd, 2010 4:00 PM Author: painfully honest stock car turdskin TITCR (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852537) |
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Date: August 22nd, 2010 4:03 PM Author: Arousing insecure alpha titcconcern.
bro, if this girl is at all materialistic you need to get OUT. a lot of girls don't understand the concepts of money, debt, or responsibility. her calculus will be: i am not getting what i want, this sucks, i am unhappy with you and our situation. |
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Date: August 22nd, 2010 4:07 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852594) |
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Date: August 22nd, 2010 4:10 PM Author: Bearded spruce generalized bond small town is the worst kind because they have lived these insular lives and have not had all their lives to get used to the fact they live in a city around rich people and they themselves simply are not rich, an idea one needs time to get used to and accept. Small town girls move to the city for BIGDREAMS, not BIGDEBT.
She will leave you around age 30 and her reasoning will be that the new sugardaddy can help her pay her debt and you can't and you will both be happier. |
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Date: August 22nd, 2010 4:52 PM Author: Fragrant school background story She will constantly be searching for an out of that debt. If he can't provide, she will find it. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852942) |
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Date: August 22nd, 2010 4:11 PM Author: Arousing insecure alpha tread fucking carefully (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852634) |
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Date: August 22nd, 2010 4:48 PM Author: Exhilarant Locus Water Buffalo "a lot of girls don't understand the concepts of money, debt, or responsibility"
so very cr. describes my last two LTRs. also ruined my brother's marriage. |
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Date: August 22nd, 2010 4:53 PM Author: Cheese-eating nibblets "her calculus will be: i am not getting what i want, this sucks, i am unhappy with you and our situation"
Change "want" to "deserve" and this is right. |
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Date: August 22nd, 2010 4:46 PM Author: Exhilarant Locus Water Buffalo cr (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852902) |
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Date: August 22nd, 2010 4:51 PM Author: Fragrant school background story I would like to subscribe to your newsletter. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852938) |
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Date: August 22nd, 2010 3:59 PM Author: bull headed kitchen big red flag. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852531) |
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Date: August 22nd, 2010 4:04 PM Author: Opaque vigorous university codepig 1) people should get married ONLY if they are truly in love.
2) if people are truly in love, money is never an issue.
thus
3) you shouldn't marry her. |
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Date: August 22nd, 2010 4:08 PM Author: Glassy business firm I actually love this girl dood. I just want to know what I'm getting myself into if we get married with this kind of debt. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852608) |
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Date: August 22nd, 2010 4:11 PM Author: Lemon maniacal office you saying "if" = it's not gonna happen (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852641) |
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Date: August 22nd, 2010 4:36 PM Author: Beady-eyed garnet useless brakes this is total bullshit (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852840) |
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Date: August 22nd, 2010 4:19 PM Author: Light Station Reading Party Isn't money the biggest source of problems in marriages? Seems like a bad idea to start out w/ massive $$ problems... (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852719) |
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Date: August 22nd, 2010 4:21 PM Author: painfully honest stock car turdskin CR. OP is a dumb. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852735) |
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Date: August 22nd, 2010 4:27 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852790) |
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Date: August 22nd, 2010 4:28 PM Author: painfully honest stock car turdskin Just find another chick, bro. You're just setting yourself up for some serious pwnage 5 years from now. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852794) |
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Date: August 22nd, 2010 4:32 PM Author: Arousing insecure alpha as long as you can easily walk away.... (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852815) |
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Date: August 22nd, 2010 5:25 PM Author: Clear theatre IBR will not be around in 10 years don't kid yourself. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853254) |
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Date: August 22nd, 2010 4:38 PM Author: Beady-eyed garnet useless brakes 1) Don't buy into any bullshit about how it doesn't matter. There is no such thing as a perfect person for you that you can love unconditionally no matter what the circumstances/her flaws are.
2) I'm not going to say you shouldn't marry her, but you ought to consider a couple of things. First, what does this say about her? Was she young and naive and now she knows better, or does she really not have a sense of money? If the latter you're in for more problems. Second, does she now have some kind of plan to get out of debt or is she looking for a rescue? Sure, job market is tough, but is she looking hard? Doing things to make herself more employable? |
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Date: August 22nd, 2010 4:45 PM Author: Azure Mad Cow Disease Meh, my husband and I have a lot of loans combined and we're making it work. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852891) |
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Date: August 22nd, 2010 4:46 PM Author: painfully honest stock car turdskin Why "make" it work when this guy could already have it working? His gf is a liability that can be replaced (he just doesn't realize it). (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852904) |
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Date: August 22nd, 2010 4:48 PM Author: Azure Mad Cow Disease I think he realizes it, and that's why he's posing the question. For us, it wasn't even a question. Finding each other was more important to us than finding someone with no debt. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852913) |
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Date: August 22nd, 2010 4:50 PM Author: Disrespectful Corner she's a white female who went to law school. she has no compassion or feelings. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852928) |
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Date: August 22nd, 2010 4:54 PM Author: Glassy business firm describe what you are doing to make it work. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852959) |
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Date: August 22nd, 2010 4:58 PM Author: Azure Mad Cow Disease Making compromises on purchases, moving from MANFUCKINGHATTAN to Brooklyn, putting off children, etc. We're both really committed to paying off the debt ASAP, or at least putting a significant dent in it.
We don't take fancy vacations, our kids will be in public school, etc., but we're fine with that. I guess it also helps that we grew up as poors so we don't have unreasonably high standards to begin with. |
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Date: August 22nd, 2010 5:00 PM Author: painfully honest stock car turdskin Why pwn your kids before they're even born? That's not very nice. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853011) |
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Date: August 22nd, 2010 5:04 PM Author: Azure Mad Cow Disease Surely if we thought these compromises would be pwning our kids, we wouldn't have kids. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853064) |
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Date: August 22nd, 2010 5:06 PM Author: Glassy business firm Do you both have high paying jerbs? (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853089) |
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Date: August 22nd, 2010 5:09 PM Author: Azure Mad Cow Disease He has biglaw; I'm still in school and make a measly 25K/year for the next few years. (Most of the debt is his LS debt.) (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853120) |
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Date: August 22nd, 2010 4:48 PM Author: Lime exciting chapel lettuce Marry her, file taxes separately. She won't have to pay anything since she won't have income (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852909) |
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Date: August 22nd, 2010 4:48 PM Author: painfully honest stock car turdskin Why should this guy get married anyone? (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852914) |
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Date: August 22nd, 2010 4:49 PM Author: Lime exciting chapel lettuce He shouldn't if he doesn't want to. I'm just saying her loans won't be that much of an issue if he chooses to marry her. Assuming her loans are with the Feds of course. If private loans, all bets are off (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852920) |
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Date: August 22nd, 2010 4:53 PM Author: Glassy business firm (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15852950) |
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Date: August 22nd, 2010 5:00 PM Author: Lime exciting chapel lettuce Look below, I am asking TMF if he knows since I am sure there are some negatives to filing separately ( I think there are some deductions you can't take).
If she has no income and you file separately, her income will just be zero, so I believe she won't have to pay a dime under IBR |
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Date: August 22nd, 2010 5:00 PM Author: Glassy business firm appreciate it, friend. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853016) |
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Date: August 22nd, 2010 5:01 PM Author: Lime exciting chapel lettuce No problem.
I mean, in a situation where you are looking at either having to pay 1000 a month or so on loans or nothing under IBR, I am going to assume filing taxes separately will come out ahead no matter what the ordinary negatives may be. But I could be wrong |
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Date: August 22nd, 2010 4:55 PM Author: Cheese-eating nibblets She can get on IBR if she files for taxes separately assuming it is all federal. But what is she going to do in terms of getting cash? Is she basically going to be living off of you? Are you going to be ok with that?
Also, how do you see this playing out if you divorce? Are you getting a pre-nup? |
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Date: August 22nd, 2010 4:57 PM Author: Lime exciting chapel lettuce Hey, off the top of your head, do you know what the NEGATIVES are to filing taxes separately from spouse?
I am married myself and am trying to determine if filing taxes separately and going on IBR makes sense |
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Date: August 22nd, 2010 5:09 PM Author: Cheese-eating nibblets Sure. Basically, if she is making nothing and you're making a ton then you are much better off filing jointly because each bracket will be about twice as big (until you get to high levels, at which point the marriage penalty returns). The result is that you'll pay much lower taxes.
"I am married myself and am trying to determine if filing taxes separately and going on IBR makes sense"
Crunch the numbers man. |
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Date: August 22nd, 2010 5:02 PM Author: Silver concupiscible resort athletic conference This is actually a really interesting question. It's too bad she can't just declare bankruptcy before marriage to get rid of the student loans.
I really want to know if there's a way to keep her debt totally separate so it doesn't effectively become your obligation in any way after marriage.
edit: now that I've read above, it looks like filing taxes separately will work (which has some drawbacks, but it's better than the alternative). |
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Date: August 22nd, 2010 5:02 PM Author: Lime exciting chapel lettuce Since all that debt was incurred prior to marriage, I am fairly sure he's not responsible for them in any way. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853047) |
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Date: August 22nd, 2010 5:06 PM Author: Silver concupiscible resort athletic conference It seems like any joint bank accounts could be seized eventually. Fortunately it sounds like IBR lets her get off if she files taxes separately though. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853088) |
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Date: August 22nd, 2010 5:28 PM Author: cream main people if true with IBR, then i think that settles it.
But is she pushing marriage? Not marrying someone doesn't mean you have to split. She would hate it if you bought a pair of fancy "lifetime friendship" rings or whatever? |
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Date: August 22nd, 2010 5:35 PM Author: Exhilarant Locus Water Buffalo she has to remain impoverished to stay eligible for IBR (run some numbers - http://www.ibrinfo.org/calculator.php). if she ever becomes ineligible, everything comes back and interest gets capitalized. any student loan interest paid filing married/separate is not tax deductible. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15853331) |
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Date: August 22nd, 2010 9:55 PM Author: offensive black woman How can she have no job prospects? I know ITE is tough but I know people from TOURO LAW SCHOOL who have jobs - they're obviously not biglaw and the case I'm thinking of isn't even working as a lawyer, but a job is a job is a job. If she's honestly making downpaying her debts a priority, she can find some kind of decent job. It may not afford her a cushy lifestyle but she will be able to start the loan repayment process. (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15855640) |
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Date: August 22nd, 2010 10:17 PM Author: Lime exciting chapel lettuce Yea, his gf could do Doc Review (http://www.autoadmit.com/thread.php?thread_id=1402318&forum_id=2#15855810) |