Fag in debt needs help

ya'll im a 19yo part time worker/graphic design major and i have a $13k car loan and around $2k in credit debt (i know i'm retarded for getting a car loan as a god damn teen but i'm working on paying it off). anyone have good advice on how to get the debt down so i can actually invest and git gud? i refuse to be poor like the rest of my family

Attached: 2015-chevrolet-spark-5dr-hb-cvt-ls-angular-front-exterior-view_100476347_h.jpg (1280x960, 464K)

>graphic design major

all you should be getting is rope my friend

15k in debt at 19 is not exactly where you want to be if you really don't wanna be poor...

thats fucked up but very true

OP not sure how to defend that just give up and leave

rich wont make you happy leave the family you described seriously bro

your priorities are fuckd

if you keep up money and debt will always be an excuse

get rekt

Your life is basically over, user. Why the fuck would you buy any car above 2k as a 19 year old fuck dude.

(OP)
>$15k in debt as a graphic-designing 19 year old
you're already poor

basically my family and i were doing well at the time and i was so retarded i looked at the monthly minimum and was like "hey i can manage that!" and little did i know i necked myself

other than drawing furry porn is there any way out

literally your only option - making hentai/3d models/sexy time games and selling access to it on patreon etc

Send me your eth address and I will pay off your car loan. This board gave me btc at $200, time to give back.

holy shit so generous, i genuinely hope you're not larping... guess OP doesn't have to become a patreon "artist"

Pay off the credit card debt first and FAST; it has the highest interest. Graphic design is fortunately a major for brainlets so you should be able to work full-time while being a full-time student. What's your rate on the car loan?

Basically, your only way out of debt is to work your butt off and there is no easy fix aside from selling your car.

Sell the fucking car

t. Dave R.

Time stamp if this happens op

holy shit dude if you're serious... here 0xB5d313c04Ec140aB72e2cee7b1eb64cA11d58F0c

bump

>refuse to be poor like the rest of my family
>go into debt on one of the most depreciating assets that exists
>accumulate credit card debt

you're a typical poor nigger, this is what all retarded lower-middle class people do.

Don't ever take on credit card debt, if you're going to use a credit card pay it in full every month and never pay any interest on it.

Don't buy new cars ever. Buy something older, at least 3-5 years to avoid the largest chunk of depreciation, but even older if you can find something reliable and cheap.

Try to save 20-40% of your net income, meaning avoid bad habits/vices, don't drink, dont do drugs, don't become a consumerist whore, you don't need the slickest shoes or the new smartphone, and don't be a collector/hoarder, try to be as minimalist as possible, the less need for material substance in your life, the more money you can accumulate to invest in your future (education/real estate/financial markets, etc). Don't find happiness in material things, instead find happiness in intellectualism, from reading books, conversations, intimacy, friendships, etc. It helps if you can find cheap outdoor hobbies too, learn to live nature, camping, hiking, kayaking, exploring, etc. or cheap traveling (backpacking, couchsurfing, etc.)

Long story short just don't develop nigger-tier dependencies on money and material goods and you'll do well in life. Avoid high interest debt especially on depreciating assets. Even debt on real estate can suck ass if you're not smart about it but at least real estate value tends to trend upward over the long term.

the car's rate is at 4%, luckily my credit card has no interest yet

oh yeah i 100% admit im the most retarded fucking nigger i know, i just learned from my mistakes and im done with this faggotry

lol

Tbf OP at least you have ambition to get past your current situation, that’s the most important thing.

Generate extra money

This. Based financial boomer is wise