I went to my bank to apply for a loan! My chances are good if mom co signs. My income is low and the loan I’m applying for is about $1600 plus a few bucks and she said the ratio is off. My monthly payment would be just over $100! That’s…I wasn’t expecting such a low payment! I was thinking it would be at least $250-300. Mom has to send some info to my bank so she will be able to sign on with me. I’m friggin excited! If I’m approved this will help me SO MUCH. Judging by what the lady explained, I’ll get it either way. Sometimes if someone isn’t approved, they’ll send them to a guy next door who does loans. I’ll admit I don’t understand all of this, but as far as I know, I only need to make my monthly payments without there being a problem. 😊
Super duper excited. This will free up so much money! I was paying $360+ every month to pay off my Affirm and Klarna debts. I really let that get out of hand. 😅 Also there’s the $200 I owe mom. I left off the $200 to pay the remaining balance on my stupid credit card because I thought it might be too much, and I was right. I’ll just be annoyed for six months, throwing $25 into the abyss 😭