hank44 wrote:OP why is your credit so bad in the first place? Someone with bad credit (that has made bad financial decisions) might want to back away from marriage/law school/DEBT talk...or at least not jump into all three at once?
Stupid decisions back in UG that I've been working to clear up, and haven't been able to completely yet (i.e. I thought I just HAD to show up with a bangin' car sophomore year since I could bring a car...I was a fucking idiot, I know this).
1) Marriage: I love my fiance (even though he can be an ass sometimes, which I think Matlock pointed out) and it's about that time. As I said before, not having a large and crazy WEDDING, which is probably what you are trying to make a point about...I don't see what MARRIAGE has to do with it.
2) Law School: I worked in sales for 3 years, suffering layoff after layoff. Law school has always been in the cards for me, I took legal interest classes in college, even in high school, so for me, it was just a question of when. I don't see a better time, seeing as how I am sitting on unemployment right now, and my prime time to have kids would be a couple of years after the bar at this juncture.
3) Debt: Gotta go into debt to go to law school, unless you're independently rich or you have a family member willing to pay your way that is rich, which I am not. I also did not receive a full ride, but few people do, or they wouldn't have such a thing as a government loan. I am not scared of debt. My credit can't get much worse than it was at absolute rock bottom a year or two ago, so I'm kind of over it.