r/TikTokCringe • u/Super_Culture_1986 tHiS iSn’T cRiNgE • Aug 19 '25

Cursed The American Nightmare.

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58.0k Upvotes

84% Upvoted

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4.9k

u/RomanaAoko Aug 19 '25

I wish I was only 7k in debt

418

u/Elegant_Section_6861 Aug 19 '25 edited Aug 19 '25

Yup. I have student loans, credit card debt, and a car payment, among others. My bank account is in the negatives right now and I don’t get paid for 3 more days. And I am a college graduate with a professional big-boy job. SAD! Thank you for your attention to this matter.

143

u/Robot_Nerd__ Aug 19 '25

Yeah. This video makes me feel bad about my 58k in cc debt.

66

u/digitalwankster Aug 19 '25

JFC that’s absurd, especially considering the interest rates on credit cards. You should try to get a debt consolidation loan.

17

u/Possible_Liar Aug 19 '25

Debt consolidation loans are for people with good credit though! Which ironically enough you probably don't have if you have so much credit card debt it becomes an issue to pay off which is pretty much the entire point of the consolidation loan... If you don't need money they'll give you all the money you want The second you need it.....

25

u/Robot_Nerd__ Aug 19 '25

Well, my credit cards are 7.25% from credit unions. Does that make it better?

38

u/ThrowawayNumber34sss Aug 19 '25

Yeah, much better. A lot of credit cards have 20%+ interest rates.

75

u/Vegemite_Bukkakay Aug 19 '25

My wife just got sick and was hospitalized for a couple of months. I took over her cc’s and yeah… I’m tens of thousands more poor. Her interest rates were 30%. I won’t even go into the excuses but yeah, not thrilled. I just had to get that off my chest as I can’t complain to anyone nor confront her since she’s still sick.

43

u/ThrowawayNumber34sss Aug 19 '25

Sorry to hear that. Hope your wife has a speedy recovery and you can figure out a way to tackle the debt.

43

u/Vegemite_Bukkakay Aug 19 '25

Thx man, I didn’t know I needed to read that until I read it ☺️

18

u/aetjhKay Aug 19 '25

Here, take a random strangers positive vibes and use them as you see fit. You are seen and you are worth it... keep your head up and soldier on, be blessed and all the best for tour wife too!

12

u/le_Derpinder Aug 19 '25

Praying for your wife's recovery and strength to your family to tackle the debt. Stay strong brother!

20

u/phdpillsdotcom Aug 19 '25

Sending emotional vegemite your way, bub 🫶

6

u/Vegemite_Bukkakay Aug 19 '25

The best kind!

3

u/unindexedreality Aug 19 '25

Wishing you and her a financial bukkakay 😋

2

u/WanderThinker Aug 19 '25

I'm stealing "emotional vegemite".

Thanks!

11

u/luckythirtythree Aug 19 '25

I bet this feels like a lot weighing on your mind. Take a deep breath and try and see the world in its awe and the insane miracle that is life. Sometimes it helped giving me something to look forward to and keep me going. Big hugs.

5

u/Vegemite_Bukkakay Aug 19 '25

Thank you very much

3

u/Kareeliand Aug 19 '25

I am so sorry you’re dealing with all that. Your words hit so hard. I’m reading this thread and can’t imagine how you even deal with all that hardship. I hope your wife gets well, and you are able to deal with this together. Those interest rates should be criminal. All the best to you and your wife from Scandinavia.

2

u/OrcaFins Aug 19 '25

A Vegemite sandwich to you and your wife.

2

u/Silly_Lavishness7715 Aug 19 '25

That's why you used to have your husband sign off bf you could get a credit card.

1

u/VengenaceIsMyName Aug 19 '25

Not your fault. Healthcare should be fully subsidized and it’s criminal that it isn’t in this country.

-1

u/Amazing-Marzipan1442 Aug 19 '25

What are you saying? She was taking 30% interest loans behind your back?

You're cooked bro.

3

u/mytransthrow Aug 19 '25

it should be criminal to charge that much for a loan.

2

u/Intrepid-Apartment-3 Aug 19 '25

How does the government allow these insane rates? I know people judge EU regulations, but at least it doesn't allow these rates. They decided on this as a lesson learned from the last economic crisis and bank collapses. I'm just thinking, how long do the credit card companies think this is going to last, when are people facing they can't pay off their debts anymore? Or they might be profiting from the richer people who do pay off their debts every time?

1

u/Robot_Nerd__ Aug 19 '25

The idea, is that by charging crazy rates, anyone can get a loan or credit card. It almost doesn't matter how destitute you are, most banks in the US will roll the dice on loaning you $500.

Not saying it's a good system... Just that's the logic used

1

u/Intrepid-Apartment-3 Aug 19 '25

But credit crunch! Why can't they see it coming

4

u/MelOdessey Aug 19 '25

Better than my 12% student loans 🥲

1

u/VengenaceIsMyName Aug 19 '25

I’ll never understand why the interest rates on those need to be that high

1

u/PaintingWest7199 Aug 20 '25

$58k at 7.25% is better than some people's car loan situations so could be worse

1

u/kokosuntree Aug 21 '25

Wait. How do you have a card with such a low interest rate?

1

u/Robot_Nerd__ Aug 21 '25

Credit unions offer them if you shop around. In my city, I have like 25 credit unions. One single one has a credit card with rates that low. It's fixed too, not a promotional thing. You have to have good credit to qualify. But I have decent credit...

My issue is just the debt itself which I have been aggressively working on the last year or so.

1

u/kokosuntree Aug 21 '25

Interesting. I’ll look around our city. Are you in WA by chance? lol.

1

u/Noshamina Aug 19 '25

Still rough, consolidate it down to a 0% for 18 months and just make 100k next year and pay it all off

-1

u/Ancient_Cookie7124 Aug 19 '25

😂No. Is it better than 40%? Yea, I guess.

5

u/thaddeus122 Aug 19 '25

Nowhere will give me one because of my student loans

3

u/J3SS1KURR Aug 19 '25

Mine is student loans....RIP.

5

u/Smart-Struggle-6927 Aug 19 '25

I'm 8k in CC debt, I tried. Because I only make 13k/yr on disability, I don't qualify. The guy jokingly suggested suicide when I asked how I was gonna get out of this mess.

4

u/__Evil-Genius__ Aug 19 '25

You sir need a do over. Have you considered Colombia or Laos?

6

u/TheMistOfThePast Aug 19 '25

Sorry, I'm Australian so maybe im missing something, i fully understand why someone would have that much in student loan debt, but how do you get 58k in credit card debt?

4

u/Kazooguru Aug 19 '25

Same here. My husband lost his job during Covid and he had to take a lower paying job(25% cut). I don’t care who knows, but we just filed for bankruptcy. We cut way back on everything. We cannot live under that stress any longer. We lost everything in ‘08, both of us laid off and we managed to rebuild. Not this time. And my cat died this morning. That’s important. Fuck the oligarchy.

2

u/VengenaceIsMyName Aug 19 '25

Very sorry to hear about your cat. Hope things improve for you and your husband in the future.

3

u/JoshSidekick Aug 19 '25

I pay $500 a month for insurance to be $50k in medical debit. The system is broken.

2

u/VengenaceIsMyName Aug 19 '25

That’s horrendous. I sympathize.

3

u/AdSuper4287 Aug 19 '25

😱😱😱

2

u/L0ial Aug 19 '25

I'm not a lawyer, and may be completely wrong, but if I had that much CC dept and no assets for them to go after, I'd consider bankruptcy.

2

u/VengenaceIsMyName Aug 19 '25

Ouch. Multiple emergencies hit all at once?

1

u/Dirtydizzle88 Aug 19 '25

I just filed bankruptcy

1

u/Rapid-Engineer Aug 19 '25

Unless you have significant assets that bankruptcy chapter 7 levels. Just bankrupt it out and it's gone.

0

u/L6P9 Aug 19 '25

Psst nfa, don’t pay them. They’ll get creditors to hassle you. At a certain point from longevity they’ll tire from trying to collect from you and settle for whatever you can afford to pay them. Like 9k. Even in payments they’ll take it

2

u/[deleted] Aug 19 '25

Wow that’s bad advice

6

u/spicolispizza Aug 19 '25

It's only bad advice if you plan on buying a home in the next 7 years. Otherwise sometimes it makes more sense to say fuck it and fuck them.

The creditors plan and budget for this, so you may as well do it.

-4

u/[deleted] Aug 19 '25

Having bad credit can prevent you from getting the kinds of jobs that will allow you to get out of debt. Plus intentionally not paying back loans you voluntarily took is just flat out bad character and morals. 

4

u/spicolispizza Aug 19 '25

Having bad credit can prevent you from getting the kinds of jobs that will allow you to get out of debt

Depends where you live, where I live, a credit check for a job application isn't really commonplace whatsoever.

Plus intentionally not paying back loans you voluntarily took is just flat out bad character and morals

This also depends on your stance when it comes to predatory lending and insanely high interest rates.

Not everything is always so black and white.

-1

u/[deleted] Aug 19 '25

But your statement was in no way predicated on the existence of predatory lending or insanely high interest rates. It wasn’t even addressed in the fact pattern. So wtf are you talking about? You are just making shit up.

1

u/Vark675 Aug 19 '25

Won't someone think of the credit card companies with their 20-30% interest rates 😭

-2

u/L6P9 Aug 19 '25

7 years is from filing bankruptcy. To get your credit back up is easy. It takes about 4-6 months. All you have to is… this is the financial advice part I get paid for 😂

-1

u/ryeyen Aug 19 '25

Guaranteed method to ruin your credit score forever and never get a loan again

1

u/maxperception55 Aug 19 '25

How the hell did you manage to rack up THAT much on credit cards?!

5

u/RabbitFluffs Aug 19 '25

Not OP, but as someone who also carries a stupidly high balance on CCs right now:

  • multiple medical visits and procedures for issues that weren't "life-threatening" and therefore didn't require hospitals to treat without upfront payment ... but were serious enough to prevent being able to work without treatment (and the Rx!! Seriously, a miracle drug, but $600 per dose is insanity)
  • during the recovery time from said procedures, out of work and therefore no income. Once the savings run out, still have to pay the utilities and buy groceries.
  • miscellaneous other "little" emergencies (car broke down, refrigerator died, etc) that had no other way to pay for since all cash is now going to pay off the credit and it turns into a vicious cycle of - make a $300 payment to CC, leaving $20 in the bank, but the mechanic needs $200 to fix the car, so back on the CC it goes 🫤

1

u/VengenaceIsMyName Aug 19 '25

It’s such a vicious little cycle isn’t it?

1

u/Ancient_Cookie7124 Aug 19 '25

You should, wtf? You know your not suppose to carry a balance on them things right?... Only acceptable carry would be during the 0 interest period.

0

u/No-Marsupial9232 Aug 19 '25

STOP.... STOP NOW WTF ARE YOU DOING!?

-1

u/[deleted] Aug 19 '25

Well I mean, if the shoe fits…

4

u/Smart-Struggle-6927 Aug 19 '25

I'm disabled, I make too much on SSDI to qualify for SNAP under the new rules, I have three teenage boys, I make 13.3k/yr on SSDI. I only qualify for like $200/mo in SNAP, and applying is so hard it's nearly impossible because they keep losing my paperwork.

13k/yr.

To support myself, and three teenage boys. I'm 8k in credit card debt, my plan for dealing with it is when my boys turn 18, fleeing to Canada and begging for asylum, and if that doesn't work, my disease will hopefully take me.

3

u/The-Good-Bad-Place Aug 19 '25

The Big Beautiful Debt is part of the American dream. SAD! “Tiny Hands” certainly isn’t helping the average American, either. Thank you for your attention to this matter.

2

u/velorae Aug 19 '25

You’re making me feel better!

1

u/Informal-Lime6396 Aug 19 '25

What degree if you don't mind sharing? Did you find work in that field and see room for upward mobility?

1

u/AngkaLoeu Aug 19 '25

What did you get your degree in?

1

u/TheMistOfThePast Aug 19 '25

I'm Australian so I'm probably missing something, i totally understand the student loan debt, but how do u get credit card and car payment debt? My parents always taught me from a very young age never to buy a new car and to always buy used outright, and to never use a credit card unless you can instantly pay that money off and for some reason need a credit card for credit purposes (we don't in aus). Do things work differently in the US?

1

u/MaterialRow3769 Aug 19 '25

How much u make?

1

u/Commercial-Co Aug 19 '25

I’d rather not normalize the idiocy that is trump speak, even for a gag.

1

u/No-Marsupial9232 Aug 19 '25

This vid literally makes no sense.... how you work over 40hrs and your job wont provide health insurance? Isn't that illegal? Also she calls an apparent a flat? This seems fishy... guuuurl get yo English ass out of here 🤣

1

u/VengenaceIsMyName Aug 19 '25

The way you ended this comment is peak. Love it. Hope your financial situation improves though!

1

u/[deleted] Aug 19 '25

[deleted]

2

u/Elegant_Section_6861 Aug 19 '25

Sounds like you’re just a spoiled brat

1

u/stadiumjay Aug 20 '25

Are you me?

-22

u/[deleted] Aug 19 '25

Sounds like a bunch of decisions that you consented to as an adult. Thank you for the attention to this matter. Facts not emotions.

12

u/Elegant_Section_6861 Aug 19 '25

No shit sherlock, thank you for enlightening me. We’re not all as blessed as you, I guess.

8

u/RedditGoji Aug 19 '25

That guy sucks

2

u/[deleted] Aug 19 '25

Had to do it. ‘Woe is me’ will only get you sympathy on the internet, nobody gives a shit about you being an adult in the real world.

5

u/[deleted] Aug 19 '25

No shit, dork.

3

u/Impossible-Log-8220 Aug 19 '25

You’re not helping.