What's Bothering You?

[Croconaw]

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[Dunquixote]

I have an insane interest rate on my dental bill causing a $27k to turn into a 47k. Kinda considering just not making the payments anymore, like I have no motivation to do so when my mom got the same work done plus extra (she got a full dental implant on top and bottom, I just have the top) done and her interest rate isn’t near that much. The only thing holding me back is my dad co-signed for me on this and I don’t want to harm his credit. I can honestly use this money to move out which is what I’ve been wanting to do but damn I feel better about the way I look now and that results in college level debt. I could have no payment but bad teeth, or have perfect teeth with a $482 a month payment. I know I made the right decision but I’m not gonna lie, I’m pissed about this monthly rate. I’m honestly pissed. My next payment is due on the 23rd and I’m so close to accidentally “not paying it” omg

sorry to hear that you’re dealing with this :/z sending you good vibes . If you need to vent some more, feel free to message me .

 

[Croconaw]

delete

 

[Orius]

I have an insane interest rate on my dental bill causing a $27k to turn into a 47k. Kinda considering just not making the payments anymore, like I have no motivation to do so when my mom got the same work done plus extra (she got a full dental implant on top and bottom, I just have the top) done and her interest rate isn’t near that much. The only thing holding me back is my dad co-signed for me on this and I don’t want to harm his credit. I can honestly use this money to move out which is what I’ve been wanting to do but damn I feel better about the way I look now and that results in college level debt. I could have no payment but bad teeth, or have perfect teeth with a $482 a month payment. I know I made the right decision but I’m not gonna lie, I’m pissed about this monthly rate. I’m honestly pissed. My next payment is due on the 23rd and I’m so close to accidentally “not paying it” omg but since it’s technically a personal loan disguised as a dental bill I feel guilty not paying it. Obviously I don’t have the guts to not pay it so I’ll just complain but this is bull. I’m calling the company tomorrow and demanding a lower interest because my mom got double the work and is paying less money I don’t understand. Of course the dentist goes with the most scammy company notorious for huge interest rates and surprise fees. I’m questioning if my happiness is worth it because I’m happy with myself now, but inside I’m pissed and mentally drained because of a damn expensive bill I can’t do a crap about

Ugh, that sucks. Shame it would harm your dad's credit, because otherwise, I'd advise trying to get out of this payment however you can. 47k for dentist fee is insane. I'm not really knowledgeable about economics, but perhaps you could get legal advice or something? I just don't think it's a good idea to continue getting yourself sucked into paying, especially if the interest rate is that high. It's daylight robbery! Practically a loan shark in disguise.

 

[Dunquixote]

Thanks for responding! This loan company is notorious for surprise fees and outrageous interest rates. I mean of course the dentist would go with the most scammy company out there and since it’s disguised as a personal loan I’m kinda scared just not paying it to be honest. I feel like I’m being robbed I swear I want to call and demand a lower interest rate because this is absolutely ridiculous and it’s been mothering me since I got this work done, but it’s now hitting me how much money is actually going towards this… I’m questioning if my happiness is worth it because I’m happy with myself now, but inside I’m pissed and mentally drained because of a damn expensive bill I can’t do a crap about

Dang that sounds beyond frustrating. I really hope you figure things out . Is there a way to maybe report the company? Probably a dumb question; trying to think of something though that you could do.

 

[Croconaw]

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[_Rainy_]

I just drank a monster. Guess whose not sleeping tonight?

 

[xSuperMario64x]

been waking up basically every hour since i went to sleep, and finally woke up at 4am and there's no chance of me going back to sleep now. so that's fun

 

[Dunquixote]

Spoiler

still can’t sleep

 

[Croconaw]

Delete

 

[moo_nieu]

I just got off the phone with the loan company and I can’t lower the interest rate so I’m stuck paying all this money. Well I’m not paying it. I kinda feel like an ass because my dad co-signed on this for me but I can’t pay $482 a month on this bill when I got half the amount of work done as my mom and she’s only paying like $210 a month. This is insane this company is garbage and that amount of money on a medical bill is insane. I feel like I’m setting myself up for disaster. Since it’s technically a personal loan I’ll admit I’m a dumbass when it comes to economics so I don’t know if they’ll start deducting my unpaid funds from my income tax or something or paychecks… like I’ve heard of places doing that when bills become unpaid. I feel trapped. I hate where I live (the location) and I just want to move but I feel like I can’t do anything with this insane bill and yeah it’s life, but it’s also not fair. It’s not fair that I have to pay this much at age 23 because 26k turning into 47k is absolutely gasdgsvzgd ridiculous well I’m stuck and I feel terrible not paying it I feel like I’m either screwing myself or screwing my dad over and I don’t think it was worth it. I don’t think it was worth it I’d rather have terrible teeth and be free of this college level debt. And if anyone gets a loan and it’s with “Greensky” … RUN AWAY. They are loan sharks

i think you should get in touch with a financial advisor. they might be able to help you renegotiate your payment, but they will be able to inform you of the risks of non payment. im sorry youre going through this, but please try to get a consultation with someone because you never know what kind of effects the unpaid bills will have on you or your dads life and credit. medical bills are a super common way people go into debt and there are financial advisors that help people figure out payment plans or possibly even help renegotiate costs. good luck, i hope youre able to lower the interest rate bc thats awful :c

 

[Aminata]

My mommy asked me to go to my uncle's house to ask for some salt, then he gave me five bucks and told me to go to the market to buy it..
then out of nowhere he asked what happened to my mother's payment, i said that she had a problem at the bank, he said a curse word and made irony as if i were telling a lie
i don't know why but he was very rude to me and treated me very badly.
i hate when people are mean to me without reason. so as long as i live, i will never go to his house again promise!
That's why i hate leaving home, people are unpredictable bad and idiots sometimes that's not cool!

 

[Neb]

A mixture of anxiety and stress surrounding my personal life has been terrorizing my body. I'm nauseated, insanely sleepy, and have chills. Getting a restful sleep and taking nausea medication isn't helping either. It's like my antipsychotics are turning the mental pain into physical sickness. Ugh, I really don't need to be missing school right now...

 

[_Rainy_]

Sora likes to lay in my doorway this time of day and I keep walking into her. I feel both bad and annoyed at the same time. You’d think I’d be able to remember that she’s there, but no not at all.

 

[Orius]

I have like a gazillion things I tried to do but ended up didn't finishing halfway, like that one art thread I started in this forum because I was too busy with other stuff, or how I haven't finished my island decorations yet since the beginning of this month. lol

Sigh. I wish I have more time.

 

[Dunquixote]

Spoiler: sick kitty

my gray kitty was brought to the vet and she has anywhere from 2 weeks to 6 months to live. she had double kidney failure . my poor baby. i am so sad. I don’t want to lose her. no infection this time and her heart is fine; she did lose some weight though

 

[VanitasFan26]

Ugh my car's battery died when going shopping. I was stranded for like 30 minutes and then someone in a pickup truck was kind enough to let me use his charging cables to jump start the battery using his truck. I don't know why but the Car Batter has been giving me so much trouble lately. I drive it around and it does run good, but the moment I cut the car off and try to start it again it won't start. This situation has been driving me crazy!

 

[Orius]

Spoiler: sick kitty

my gray kitty was brought to the vet and she has anywhere from 2 weeks to 6 months to live. she had double kidney failure . my poor baby. i am so sad. I don’t want to lose her. no infection this time and her heart is fine; she did lose some weight though

Oh no. I'm really sorry to hear that. I love cats, and it's just a shame, especially a young kitty like that. Sending good vibes. I hope she makes it out better. It's tough in situations like this, but the best you could do is just appreciate the time you have together.

 

[Dunquixote]

Oh no. I'm really sorry to hear that. I love cats, and it's just a shame, especially a young kitty like that. Sending good vibes. I hope she makes it out better. It's tough in situations like this, but the best you could do is just appreciate the time you have together.

thank you so much. i appreciate it . she is actually not young; she is 19. you’re right! i am doing my best. i just didn’t think i’d lose her anytime soon even as old as she is. :/ I thought she was still doing pretty well.

 

[oak]

Spoiler: sick kitty

my gray kitty was brought to the vet and she has anywhere from 2 weeks to 6 months to live. she had double kidney failure . my poor baby. i am so sad. I don’t want to lose her. no infection this time and her heart is fine; she did lose some weight though

No matter what happens, you provided an amazing life for her and that's all you can do for your pet! She's lucky to have you as an owner Dun. I hope you guys still have a few months together.