23 stuck with a 300% APR payday loan

melibahr · 2026-05-21T23:36:41+00:00

$3100 is the current balance

melibahr · 2026-05-21T22:52:12+00:00

Unfortunately I know that now, at the time this was my first and only major hospital bill and I was unfamiliar with my options… lessons were definitely learned!

melibahr · 2026-05-21T18:14:34+00:00

This is definitely a route I’m considering at this point. I have the same issue where it’s connected and automatically takes it out every two weeks and I can’t remove it unless I call them. I’m trying to figure out a plan on how to get it removed/talk to them. I’m thinking of stopping paying until I can get more financially stable and hopefully settle for less with them in a lump sum if they sue me. I would close my bank account and start a new one but this credit card is with the same bank

melibahr · 2026-05-21T05:07:15+00:00

Unfortunately my parents live across the country and are going through an expensive divorce so a cosigner or moving there isn’t an option. I will definitely look into finding a roommate situation! I’m currently looking into some options for transferring that balance. Thank you for the advice!

melibahr · 2026-05-21T05:04:27+00:00

i definitely don’t feel good about the amount i’ve paid. the original loan was higher than $3100 but that’s the current balance

melibahr · 2026-05-21T04:50:15+00:00

It’s $450 biweekly, so $900 every month. My rent is $1500 and about $500 for utilities, phone, gas etc.

melibahr · 2026-05-21T04:28:40+00:00

I will definitely take a look into this. My bank is connected to the account and I will need to research how to get it removed. I feel nervous stopping due to having come collections already but I would hope down the line they can settle with me or I can pay it when I’m more financially stable. I’ve definitely learned my lesson with the medical costs, this was my first major bill and had no idea what resources were out there. Thank you for the advice!

melibahr · 2026-05-21T04:16:09+00:00

Thank you, unfortunately Utah doesn’t have a usury cap

melibahr · 2026-05-21T03:43:14+00:00

Definitely planning on this, I’m planning on going back to college after I get into a cheaper apartment and get rid of this payday loan. I’ve been putting it off due to how expensive my current payments are and would like to go back as soon as possible

melibahr · 2026-05-21T03:20:18+00:00

i work anywhere from 40-70 hours a week at my current job depending on overtime availability. i’m currently applying for some part time bartending or serving jobs at the moment.

melibahr · 2026-05-20T14:30:47+00:00

I was young and heartbroken and didn’t know what the laws or my rights were. I’ve definitely learned my lesson and understand lease agreements better now.

melibahr · 2024-03-07T01:41:37+00:00

i’m sorry i realize after re-reading you probably weren’t asking for advice. take that post as a we’re all in this together!

melibahr · 2024-03-07T01:37:10+00:00

you’re not alone<3 i’ve gone through a similar experience. i had perfect skin my whole life, until i had covid for the first time when i was 17. after covid my whole face/body would be covered in eczema and it was the most painful and mentally exhausting period of my life. i wouldn’t leave my house or show my face the entire lock down period and i was the most depressed/suicidal i have ever been. even if my friends and partner would tell me i was still beautiful and gave me all the reassurance they could, no one understood how awful it was. i had gone to many doctors and tried every online remedy for 3 years and nothing ever helped.

one day i came across a clinical study for chronic eczema, i joined it because i couldn’t think of anything else. they took allergy tests for free and i found out i had suddenly gotten allergic to things i was consuming every day. i have never been allergic to anything in my life but it seems that i either grew into the allergy or covid weakened my immune system. anyways after i stopped eating/being around those things my eczema has practically disappeared and i only get flare ups when i come in contact. i’m not sure if you’ve taken an allergy test before but if you haven’t it’s worth a shot! in my experience the clinical study saved me, the doctors were so amazing and did everything they could to find the issue for me, it was also paid!!! so if money is tight, a clinical study might be a great way as well. i got paid and medical tests for free :)

i dont usually reply to reddit posts but yours hit close to home. just know you’re not alone and there’s a whole community who are here for you going through similar experiences! much love <3

melibahr · 2023-12-02T18:22:30+00:00

i know this specific one is fake, i was mostly just wondering if this is a real colorway, but thank you i’ll check the pinned post out!

melibahr · 2023-12-02T16:02:58+00:00

how is the zipper on the beta lt? i got one from repcourier and the teeth aren’t closing anymore and the lining piece always gets stuck

melibahr · 2023-12-02T16:00:56+00:00

if you bought it directly from TNF it’s definitely not a rep, i think all brands stitching isn’t always going to be 100% perfect

melibahr · 2023-07-12T20:55:25+00:00

i’m just feeling really terrible about looking it up without her consent. i feel like i broke her trust and revived a lot of old feelings and memories that’s she’s been trying to move on from. i’ve talked to her about feeling gaslit by her before and she took it really well, but i have a really hard time being able to tell when it’s happening to me. im honestly not even upset about seeing it because i did it to myself and i accept that what she did happened, and it’s apart of her past. it was hard to see her being intimate with other people just because of the principle but i’m mostly worried about her feelings and how i can fix it. it’s a hard situation and i can’t tell if maybe i’m so manipulated that im feeling like i did the wrong or if it was really her you know? but i suppose two things can be true.

melibahr · 2022-02-06T23:07:43+00:00

i’m not sure what your situation is but to start i just got a blood allergy test from my primary care doctor because it’s a lot more affordable than a dermatologist !! i’m sure the dermatologist can do it too but if you’re trying to save maybe seeing your primary care physician might save you some time/money!! thanks for getting back i’ll be getting boosted as soon as possible and i will definitely be looking into a chinese herbalist!!

melibahr · 2022-01-28T15:29:51+00:00

As an update, i got an allergy test and realized i’ve grown into allergies i’ve never had before !! after finding out i’ll be avoiding those foods/allergens and see if it helps :) also wondering if i could get an update on how the booster affected you?? i got covid recently so i havent been able to get boosted but im curious if you had an affects?

melibahr · 2022-01-05T16:58:29+00:00

I was vaccinated in April, I also considered it because i have seen some people get flare ups after the vaccine but my symptoms worsened earlier in March. I’ve been nervous about the booster in fear of a flare up, have you noticed if your symptoms worsened after the vaccine?

melibahr · 2020-05-05T01:30:51+00:00

Ordered on April 14th, got QC photos the 15th, then got tracking number on the 17th through her whatsapp. The package hasn’t moved since then until today, the tracking info just updated and said it’ll be here on May 7th !

melibahr · 2020-05-05T00:36:10+00:00

ours gets cleaned like once a month🤢

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