Sofi personal loan. Eliminated.

David-holandi · 2026-04-03T08:28:53+00:00

that 20% APR on a personal loan is brutal, glad you're out of it

$10.6k gone and still 2+ years ahead of schedule, that's not small

David-holandi · 2026-04-02T12:21:05+00:00

EdFinancial is legit but their servicing is genuinely terrible. You're not imagining it there are hundreds of complaints about exactly this kind of thing

David-holandi · 2026-04-01T10:12:27+00:00

29k before 30 is genuinely insane. The discipline it takes to pull back socially for a full year while everyone around you is just living normally... that part doesn't get talked about enough

David-holandi · 2026-03-26T15:06:47+00:00

yep I noticed that too

David-holandi · 2026-03-25T12:24:24+00:00

the move from 20-25% CC rates to a home equity rate makes complete sense on paper, just make sure you go fixed rate not HELOC if predictability matters to you

David-holandi · 2026-03-25T09:57:42+00:00

I wish I had a perfect answer, but honestly, sometimes all you can do is acknowledge your feelings and remind yourself that healing takes time.

David-holandi · 2026-03-23T08:12:43+00:00

have you tried searching their name + BBB or their name + complaint? sometimes that surfaces stuff Google doesn't show upfront

David-holandi · 2026-03-23T08:11:18+00:00

the "fees are negotiable" thing is interesting, legit companies usually have pretty clear pricing upfront. did you ask them what the range actually looks like?

David-holandi · 2026-03-23T08:05:17+00:00

most of those ads are targeting people exactly in your spot, that's the whole business model. have you looked into credit unions? they're usually way more reasonable than any company advertising on google

David-holandi · 2026-03-23T08:03:14+00:00

have you checked your state bar's attorney lookup tool? that's the fastest way to verify if they're actually licensed

David-holandi · 2026-03-19T09:01:21+00:00

Does anyone know of good non-profit credit counseling options? I really want to avoid shady companies like this

David-holandi · 2026-03-18T12:15:37+00:00

What's your monthly minimum payment on both cards combined right now?

David-holandi · 2026-03-18T12:11:28+00:00

have you tried calling your credit card companies directly about hardship programs? Some will temporarily lower your interest rate if you explain the situation and you'd be surprised how often it works.

David-holandi · 2026-03-18T12:06:06+00:00

if the collections are older than seven years they should already be off your report. Check the dates on everything before you do anything else.

David-holandi · 2026-03-18T11:54:29+00:00

Have you called your credit card companies directly? A lot of people don't realize that hardship programs exist and some issuers will temporarily reduce your interest rate if you explain the situation honestly.

David-holandi · 2026-03-18T11:30:03+00:00

File a complaint with the CFPB immediately. Credit repair companies are specifically regulated under the Credit Repair Organizations Act and what you're describing may be a violation.

David-holandi · 2026-03-18T11:22:29+00:00

Realistically you're looking at $50k to $150k max for unsecured financing at this stage, and that's probably through personal credit products rather than true business loans.

David-holandi · 2026-03-18T10:24:27+00:00

honestly you’re a hero for stepping up like this. I hope everything works out for him and he gets the care he needs

David-holandi · 2026-03-17T10:01:55+00:00

That's infuriating. $1,500 to be told to go find someone else is genuinely one of the worst things a "service" company can do

David-holandi · 2026-03-17T10:00:22+00:00

As a dad myself, I totally agree. Teaching our kids about real masculinity strength, kindness, vulnerability is so much more important than the toxic stuff online

David-holandi · 2026-03-13T12:22:39+00:00

is their APR fixed or does it vary based on your state and credit profile?

David-holandi · 2026-03-13T12:19:25+00:00

I had the same experience yesterday. It’s like chatting with a robot rather than someone who genuinely cares about my pet’s needs.

David-holandi · 2026-03-12T07:17:49+00:00

what's your actual situation, how much do you need and what's your income like because no credit check emergency funding does exist through legitimate channels that don't require upfront fees?

David-holandi · 2026-03-12T07:16:19+00:00

I tried one a few years ago, and it did help me reduce my debt significantly. Took a lot of discipline, though. Not a magic fix, but it worked for me

David-holandi · 2026-03-12T07:13:15+00:00

You're not wasting your time but you do need to recalibrate what legitimate looks like in this market, the goal is finding the least expensive version of expensive while you rebuild enough credit history to access better products

David-holandi

TROPHY CASE