If you want to stay in America just work your arse off and pay. That's the only solution. Don't worry about others situation.  Last edited: 17-Jun-24 10:18 PM

surexh · Jun 17, 2024 10:17 PM

Are you graduating soon? If yes, work on getting a job asap. I did this during my final year masters, I was maxed out 30K on 6 different CCs. Luckily most of them had 0% promo for 15 months. I got a job right after graduation as I was preparing for the job the whole year, paid off all the debt within a year.

Sojho_Bahun · Jun 18, 2024 12:40 AM

"........tirna mann nai chaina bhitra bata" You cannot get away from your Karma. When you borrow, you must pay back. Even if you decide not to pay in this lifetime, you will have "Karmic Debt" in your Sanchita Karma and must pay back in your next lives. There is no way around Karma. Don't fool yourself.

ujl · Jun 18, 2024 1:45 PM

Im assuming ur in IT like most of nepali and have tps , so focus on finding job and dnt worry about debts now. Once u have job in IT you will settle ur debts within few months. Because of the inflated economy base pay rate in IT is so high plus bonus at end of year will make more easy. But if not IT field base pay is still low , a mph graduated student was still workinng below 50$ pay rate . I wonder how she survives in this economy?

haal haal pandit · Jun 18, 2024 2:02 PM

Sampurna ji, dherai garo pareko bhaye debt relif tira lage huncha credit ko maya marna sakincha bhane. Dherai debt ma bhako manche le ghar haru kinne ta plan chaina hola. Sidhat debt relief ma kura garera masik 500 dollar jasto payment next 3 years lai rakhera settlement gare huncha. Aba jhan TPS ma bhako manche huda na khada le kina dherai paisa tiri rahanu paryo. Baru tyo byaj tirne paisa saving gare huncha. Yehi Amrika nai basne bhaye pani 7 barsa pachi aafai ramro bhai halcha.

ShreeRaam · Jun 18, 2024 4:40 PM

Don't try to scam banks in the USA, you will regret it later. Jabo 40-50K(assuming) ko chakkar ma credit dubaune kaam nagarnu hola. Yaha 7 yrs ma credit report clear vayepani Bank vaneko uhi 5-6 major banks ko uniharu ko database ma ta vaihalcha ni past records. Aba jindagi varr credit related kei pani use nagarney vaye matrai ho. Self respect ko pani kura aaula.

sojho_bahun · Jun 18, 2024 6:10 PM

nachaine kura garcha bahun. Jindagi bhar kehi hudaina. Mero aafnai credit card ko paisa natirera cancel bhako thyo student life ma. Ahile tehi bank ma FTE kam gari rachu. GC bhara yehi citizenship lera basne bhaye ni credit bhannu. Sampurna bro ta TPS ma ho. Bholi cancel bhayo bhane Nepal jana parna sakcha. Aba tehi credit sochera bhako paisa ni sakera k kaam. Debt relief ma kura garda bank scam gareko ni hudaina. Ahile jhan yetro manche haru credit card debt tirna nasakera basi rachan. tyo settlement garde huncha ani lower monthly payment tire huncha. Credit report ma settled bhanera aaucha. That's from my own experience from when I was in college. Rest is up to you. Disclaimer: This is not a legal advice.

ShreeRaam · Jun 18, 2024 6:21 PM

Shreeram , FTE hunu ra loan nikalnu farak kura hola ni. Settlement garnu ramro ho tara, Nepal nai gayepani pachi aaune yetai huna pani sakxa ni. Afno khutta ma jani jani bancharo hannu hudaina vanne mero sujhab ho.

sojho_bahun · Jun 18, 2024 7:16 PM

Khai maile ta Tehi bank bata Gadi, ghar sabai kinya ho. Aba tirna nasakeko ra settlement Garda jindagi chai dubdaina bahun. Tara financial crime jastai money laundering haru ma pareko cha bhane chai arkai kuro ho. Credit card settlement le matrai chai jagir napaune ra 7 barsa pachi loan napaune chai hudaina.

ShreeRaam · Jun 18, 2024 7:20 PM

" Because of the inflated economy base pay rate in IT is so high plus bonus at end of year will make more easy." HaalHaal, So high vaneko kati ho ? Kati lai so high bhanne kura ta subjective hola ni. CS related jobs ko rate herna chai yeta herda huncha. https://www.levels.fyi

sojho_bahun · Jun 18, 2024 7:20 PM

Economy inflated cha tara job market khasai ramro chaina aahile. Contracting ma ni hiring khasai bhai ra chaina. Nov ko election pachi ali hiring huncha ki?

ShreeRaam · Jun 18, 2024 7:35 PM

Tei ta , layoffs matrai bhako news aairako xa recently. Job market competitive cha ahile. Last edited: 18-Jun-24 07:42 PM

sojho_bahun · Jun 18, 2024 7:37 PM

As a fresher when i entered the job market in 2019 i was paid 46/hr . Now 2024 in idle job idle condition , freaher are getting upto 85/hr . This is almost double while inflation adjustment is only 27% . If you are single and live below means you can easily pay upto 50000 debt a year . Simple job like qa autonation , sp also paying not less than 60. Of course market is a bit shrink and some people working for desies may have different rates . But job are there and plenty. Bad part is you have to be ready to relocate which might not be fisible for many.

haal haal pandit · Jun 19, 2024 3:39 PM

Haalhaal, I don't think all freshers are getting $85/ hr. In fact, only big tech pays that much in VHCOL areas for developer related roles. IT in general never makes $85/hr even in VHCOL cities. check here: https://www.levels.fyi Last edited: 19-Jun-24 06:20 PM

sojho_bahun · Jun 19, 2024 6:20 PM

Ma pani tehi sochi rathe. Tyo 85 dollars jasto salary ta 5 barsa kam garera fte bhaye pachi pako ho maile ta. Fresh graduates le tetro paisa ta ek dum limited le paulan. Fresh grad le ta entry level ma khasai paune haina. Tehi fake resume banara kam start garne ho praya jaso le. Testo garda 80+ ta garai parla hai. Pandit ni lastai hawa kura garne bhako cha aajkal.

ShreeRaam · Jun 19, 2024 6:27 PM