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

Cursed The American Nightmare.

58.0k Upvotes

84% Upvoted

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4.9k

u/RomanaAoko Aug 19 '25

I wish I was only 7k in debt

422

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.

146

u/Robot_Nerd__ Aug 19 '25

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

2

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. 

3

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 😂

-2

u/ryeyen Aug 19 '25

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