EFFORTPOST 35 year old nurse with a ton of shit in collections, CPTSD, and 35k student loan debt which might be on an income based plan

Stephani, 35, Austin TX

Self-rated: 2/10

!straggots

Personal Life:

• "Been in debt since before she hit 18"

• "So I also have uhh CPTSD? So I also decided that I wasn't going to have emotions until this year too" timestamp !biofoids please translate this aside into scrotespeak

  • "Found out" February of last year? She doesn't say the word diagnosed

• "Somebody got me sent to the hospital for saying I was doing something I wasn't exactly doing" timestamp

  • "They said I was trying to commit suicide? Yeah, I kinda got like attacked, by the cops, and drugged by the EMS"

    • "Who said this?"

      • "This girl I've been trying to avoid for like a year or so...used to be a friend but you know sometimes people have to leave your life because they remind you of other people that make things wild"

Career:

• Nurse

  • "Lower paid nurse" - $32.54 hourly

    • Works a desk job now so averages 40 hours with a little overtime instead of the 60-80 she'd get otherwise

    • mostly remote

• Tries to do sidehustles

  • used to bartend for events

  • Writing jobs, currently freelancing writing curriculum for some company or school in Oregon?

Savings/Expenses:

• Checking $4'631 -> $5'639, currently $7400

• Savings $725?

• Retirement

  • Rollover IRA 2'189, currently just sitting not invested?

  • United Health Group 401k $9'515

  • Had thought she would get married and just have someone else deal with these issues for her

• A few $40 coffee trips?

• got scammed

• 55% of regular goes to rent (includes utilities), used to be on a COVID unit grift so her income was way higher when she got it

• Phone is $99 but she's supposed to get some credits for being a nurse from them?

Debt:

• I didn't catch the monthlies for a lot of these

• Lots in collections

• Mother had put some bills in her name before high school graduation

  • 

• A ton of stuff in collections

  • "I've restarted my life a few times and some of the stuff that's in collections I'm like writing letters to them because I've either never been to some of the places that are charging me or they were like my ex or other things"

  • Some of the companies are trying for debts that should have already expired or w/e

• "Portfolio recovery"

  • $100 a month, bought a laptop for a sales job?

  • "An Ashely's account" to buy furniture when she moved 5 years ago?

    • $645 left, was just a couch?

• IC Systems

  • Anesthesiology bill, currently owned by a debt buyer who's willing to give her at least half off

• Elevator Recovery $2039

  • broke her leg in 2020 and let the medical bills from that go to collections

• Credit Card:

  • Had to replace a battery around $160 but it's totally paid off now

• $30'556 in student loans

  • Around a $400 minimum payment, thinks she might be on an income based repayment? She's not certain

  • Some of these loans were for nursing school, some were from an abusive ex-boyfriend who used them to buy "race cars"

• Car debt: 9'000, 6 years and 25%?! not sure I heard that interest rate right

  • "So you what people do when girls go to car lot and try to get cars, they said like- they didn't even show me the original car that I went there for but they just told me the bank wouldn't loan me any money because the bank can recoup its losses easier on a new car than a used car if I were to not pay my car loans but I've never not paid my car loans so-"

  • $350 insurance payment

• Large number of hospital bills coming up

  • $4-5'000 "of the current ones"

    • Might get helped out by insurance but she's not counting on it

    • was thinking of payment planning it