July 2018 Budget | F*CK U NELNET | Why I Consolidated My Student Loans
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- čas přidán 2. 07. 2018
- I'm Aja Dang and this is my July 2018 monthly budget. This budget mainly focuses on the piece of shit company that is Nelnet and why I finally decided to consolidate my student loans. I really hope I did a good job explaining it and y'all understood why
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Special thanks to:
Kelroy Kohatsu from PHP Agency
Joshua Labovitz from Mediator Law Group / Nationwide Student Loan
Click link to get a free debt consultation from Josh:
click HERE: bit.ly/2uglVIq
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MY BUDGET (hopefully it opens): bit.ly/2w2wfrt
TASK RABBIT: bit.ly/2syXs12
Huffington Post Article: bit.ly/2LpkqOW
nowthis HER article: bit.ly/2JniVk1
Budgeting App: www.everydollar.com/
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I don't think you're "dumb" for not knowing these things about your loans. You don't know what you don't know. I'm just happy to see you're working towards fixing the problem! I was able to pay off $82,000 in debt in 4 years so it's possible to make this happen. Just keep chipping away at it consistently and your financial future will be bright. Good luck Aja! You got this! :)
Did you live alone?
@@Moreeelifeee Probably makes 6 figures and swears to god he's "struggling". All these people making 6 figures are the ones who can afford to pay them off so quickly. We all would be Gucci, too, if we made 6 figures.
4 years??? How many banks did you rob? Otherwise, how did you really manage to do that?
It makes me so mad that you're opening up and being honest and people wanna judge. I LOVE that people who seem to have it all together are starting to be like, look this is real life i'm figuring it out too. THANK YOU. This helps so much. I know so many people just graduating from grad school that this could benefit. We're all learning and we need people to talk about their own experiences. THANK YOU
I'm obsessed with your budget videos! Inspired me to start my own monthly budget! Clicked SOOO fast when you came up on my sub box!
congrats on budgeting!
Ignore the haters!! You got this! Also, thanks for being so open and honest about your journey! Money can be a weird topic for so many people so I appreciate you sharing! Also, I had Nelnet too and they did suck. Lol
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I think people feel the need to superior so they judge and name call when someone is real and honest. As someone with six figure student loan debt, I thank you for your honesty because it has helped me feel so less alone and as if I can conquer this monster. We often hear the stories afterward of how someone paid off debt, but it helps to see someone going through the process. Anyway, I am so glad you were able to get some major help and consolidate your loans in a way that will help you pay them off quicker. You're doing an amazing job.
Aja, you are doing a good job!!! I've watched your first budget planning video this year and you are SO BRAVE to share your struggle with the internet. Not only finance problem, I feel when it comes to OUR OWN PROBLEMS, most of the people are too scared to face it, but what they don't know is that, they don't have to face it alone! KEEP UP WITH THE GOOD WORK!!! Sending you positive vibes~
Honestly watching your budget videos are eye opening! I'm a student with student loans and you're definitely revving me up to start thinking about plans about paying them off!
start thinking about it before you graduate!
I'm at the point in my life where I need to be in control of my financial responsibilities and I wasn't because I felt like everyone my age was so responsible and I couldn't talk about it with anyone. But watching you since earlier this year has made me feel like I can grow together and progress with you!! Thank you!!
i've been loving your monthly budget series! it honestly takes so much to open up about your finances like this and i really appreciate it
I never comment on videos because i never feel like they make a difference or that anyone I watch would reply but this video and video series you are doing is amazing. Honestly, coming from someone who was private school educated and grew up comfortably, thanks to my hard working parents, I had the luxury to understand personal finance and how to budget, but the majority of my friends didnt. Ive watched countless friends ruined by financial woes only find out after the fact because they felt ashamed or embarrassed to admit they needed help. Aja I've now reached out to a lot of my friends and sent them your link to this video series and they loved it. Its refreshing to find someone real enough to show there 'vulnerable' side on a topic that effects most adults. Please keep making these kinds of videos, they are helping a lot of people. Love Alex
I replied twice :)
Thank you, appreciate it
Thank you for your openness, realness, and transparency!!! I've had quite a few nights recently (including last night) where I couldn't fall asleep because I was so overwhelmed with how to pay my loans monthly, who to talk to, or where to start especially with being a first generation student. I got teary eyed watching your video! Keep up that hard work! 🎉
You’re a blessing so glad to have a “resource” and friend like you to turn to and learn from when my parents can’t be that for me. Hearing this today gives me hope that I can finish my degree and work out a budget that’s manageable one day.
I LOVE these budgeting videos and really appreciate you being so open and honest with us as this is something that a lot of us are going through! Keep up the great content, Aja!
I'm not sure you realize how helpful this is for everyone - I LOVE that you are sharing your financial story so openly and honestly! The world needs this. Thank you, Aja!😁
It's sooo nice to see someone like you going through this journey. It makes me feel less alone! Thanks Aja!
Thank you so much for your transparency and honesty through this whole process. This series has helped me so much!
Thank you for your videos on debt/student loans/ finance. Just found your channel and I can't tell you how valuable your videos are for me right now. Keep up the awesome work! So looking forward to your upcoming videos on these topics.
Yasssssss!!!! Aja I’m so proud of you! It was so hard to see you go through trying so hard to pay this off knowing that you were dropping $10k into a black hole because of interest. This is how we were able to get out of debt too - so happy for you! 💕
How is it even legal to do what they do? I'm shocked people in the US get an education at all. I live in Sweden and all universities are free (unless you're an international student) however most people still take loans to be able to pay for all living costs and there is one governmental authority that gives out those loans, and it has the best interest on the market. Don't understand why a country wouldn't want their habitants to be educated. Anyways, you're doing great! Soon you'll be debt free! xo
Jandi Heart Eco they pay their way into the government to make laws letting them become debt collectors when you finish school. You cant choose which company you get and they each have their own fraud.
We should see reductions in enrollments for 4 year colleges and more people choosing not to go to college at all, or just go to a trade school. It seems corporations have really tried hard all these decades to keep wages stagnant, why bother going into debt for a degree just to get a shitty salary and still have to live at home? I'm generalizing here but, you all get my point.
America is a business
its "free"-->you/your parent pay the universities with taxes.
That is the grand question, isn’t it?
I love these student debt videos. As a grad student, I NEED to start budgeting ASAP & it’s something I’ve been putting off.. your videos talking about debt and budgeting has been such a great series. Keep it up aja 💕. So real, raw, & helpful.
So happy for you that you finally freed yourself from them!! And thank you for always being so open about debt and budgeting. ❤️
OMG I absolutely love ur monthly budget series -- super informative and real. plus ur personality is just awesome :)
I'm thankful for these videos! and for you to have the guts to share what your going through!
Great job! Love the candidness. We all make mistakes but you learn. I'm on the same boat too. Just chipping away. Celebrate the small victories. I know how you feel. I recently paid off my car so that's something! Congrats on your car payment!
So happy for you ✨✨ this video gets me pumped to get my ish together. Thank you!!
Aja, I've only recently discovered your channel, and I wanted to say thank you for inspiring me to look at my student loans debt. I'm' from the UK and finished my degree in 2012, so very different situation, BUT I was completely ignoring and thoughts of paying it back until I was earning enough money, and couldn't face looking at out of fear. From a few days of watching your Budget journey, I now feel very different and want to start tackling it. So a great big THANK YOU from me in London! Keep up the good work, you're doing amazingly well. Massive hugs, Jo xx
Girl you have been killing it. It takes a huge amount of effort to admit you don't know something and take steps to educate yourself. Especially as we get older. Thank you for showing everyone it is never too late to get on track with your finances. :)
You go girl. Sharing your life problems is a real eye opener.
Thank you for being so open and honest about your journey! You have started a discussion that most of these people talking in the comments were too scared to even bring up! I myself am on my own journey with Nelnet (luckily not as bad thanks to going to a CSU lol), but I hope you know that you're monthly videos are inspiring me to stay motivated and accountable. WE GOT THIS AJA!!
watched the ads in full... helping with what I can! Sending all my best!
thank you having the courage to be so open about your experiences with student loans. I can absolutely relate to being scared to look and feeling so out of control with just the thought of my loans. this video is helpful and encouraging
Aja, you're doing great! Hope you get out of debt soon but even if it has to take a longer time to do that, you're gonna be out of that pit eventually. I'm cheering for you ! You can do this. Praying for you ❤💪
Thank you for being open about such a sensitive topic. As someone with student loan debt up to my ears, I really appreciate videos like these!
Wow, there are so many people going through this. Thank you for speaking on this publicly. I'm sure it'll help others.
Thank you for posting...I'm in a similar situation...watched your video last night...clicked on the link you provided and got a call this morning...Joshua is awesome...I'm on my way to having financial peace...Thanks again
Aja, you are such a boss! I’m so thankful that there’s people out here on YT like YOU that are willing to share such personal and REAL information about the truth of reality. This stuff is real and no one in college tells you about this crap. I’ve been worrying about debt as well and this was immensely helpful. Bless your soul girlfriend!
i love this series. I never really had anyone to give me real-life financial advice or warn me on what's to come. As a senior in college, this is extremely helpful as I prepare to begin paying off my student loans.
Lol! Girl at first I thought this was your work outfit... from Sephora. Haha, but I love these videos so thanks a bunch (: you have such great insight.
i'm so proud of you!!!!!!!!!!!! can't wait to see the rest of your journey, please continue to share it
Im so happy for you Aja, All my good vibrations i'm sending your way, and for some reason I feel like your gonna be done with this in 2.5 to 3 years. Completely done with this debt and your going make an awesome video holding two champagne bottles and weill all be here to watch you and celebrate with you.
Great work Aja !! Your inspirational in your honesty - Thank-you 🙏🏽
🙌🙌 Yay for progress! Cant wait to see that number go down every month with you!
Eye opening, informative and admirable all in one. Great video and mad props for being so brave in sharing
Thank you for this!!!! I'm not under student loan debt but I'm literally learning so much from you cause I'm also really terrible with money. Usually the way other people would explain it to me I never understood but all your monthly budget explaining has helped me learned a lot.
Random viewer here.. So happy to see you making great moves! Keep it up! You’re an inspiration to everyone here working with our student loans 👍🏼
I love these videos and respect you for making them. Can't wait to see you get out of debt with your killer income ❤️
It's great to see this video and know that you paid off this loan much earlier than you expected. Great job!!
I love your finance themed videos and I honestly wish you'd do more of them. THANKFULLY I live in a country where higher education is free so I don't have any student loans/debt and I've always been relatively good with my money. However, there were some money that were basically disappearing from my account each month and now I'm able to trace most of it. Thanks to you, I've started making my own excel spreadsheet and it's opened my eyes to the stupid shit I waste money on.
So so glad you were able to save so much money! Thats incredible. Im still on my debt journey trying to pay off $80,000 in credit card and auto debt in one years time so you help to keep me motivated.
Youre so likable, genuine and honest. I love watching your videos!! Thank you for sharing your financial journey with us!!! So so helpful!!!
Sending lots of love and light your way!
Xo
Love this serie so much. Good luck!
Aja! You’re an incredible person and these videos have helped me so so much regarding my student loans... I’m going into my 4th year of college and my parents haven’t helped me at all throughout this journey so I’ve taken 2-3 jobs a quarter and even then I’m taking out loans and breaking even each month which is stressful. Thank you for sharing your finances ❤️
Also, I know a lot of people are saying your shirt looks like a Sephora employee uniform, you still look gorgeous in it! 😊🙌🏼
You’ve inspired me to start using a budget spreadsheet, not just to keep track of how long it will take to pay off my loan but also to track my savings for future travel plans!!!
I am really proud of you. And I totally get the fact of being afraid to look into number, this is a normal human beeing behaviour, a way to protect us, so well done that you managed to into your biggest fear! Well done, really good Aja! You are going to make it.
Thanks for posting this! Im so proud of you! You got this!!!
🔥 🔥 🔥I love that you are done with Nelnet, you are destined for success with this!
yay!!!! love watching these every month. thanks for sharing
Thank you for sharing your story. It reminds me that I’m not the only person in the world with six figures of student loan debt. I’m not the only one struggling. My repayments start in a few days and this is the encouragement I needed. ♥️
I’m looking into refinancing options so this video was super informative!
I have one semester left of college and I've started on the Dave Ramsey Total Money Makeover and I'm so happy that I've found this information super early! Thank you for the informational and inspiring videos!!
Yassssss tell em aja! Getting out of debt takes REAL honesty with yourself and it fucking sucks sometimes, but hey, thats what it takes! You are kicking ass!
I'm with nelnet and your video has really got me thinking. I might have to take a deeper look into my loan like you did. 1 advice to you, if you haven't already started doing that, put in additional payments and pay them into the principal. Best of luck 😊
Thank you for sharing your financial experiences. I am from Hawaii attending college in Arizona and I took your budget sheet and tweaked it a little bit to favor college students but it has helped me understand my situation much better.
so glad you did that!
Great decision on moving that money and getting rid of that other company. Knowing how much you owe and the interest rates can really go along way. Glad to hear you took control of your financial situation and saving a ton of money in the long run.
I just love your attitude Aja, really like your budget videos... keep it up girl ;-)
I love that you talk about the big elephant in the room that everyone usually ignores (aka DEBT). It’s so great that you openly talk about the struggle that we all go through especially since most youtubers usually only show their glamorous life. I definitely feel the same way about NELNET though.. they definitely are screwing me with the interest rates that keep fluctuating🤦🏻♀️
YAY! I'm so glad your done with nelnet! I have faith you'll payoff your debt in the next 2 years! :D
I don't understand how people are expected to survive on rice and water and any sort of luxury/ indulgence is frowned on but honestly having a debt shouldn't mean that we can't also enjoy ourselves (moderately) so I really appreciate how you disclose how you splurge properly here and there. Your videos have given me a new perspective and confidence to enjoy my life and treat myself responsibly even on a budget. Thanks again!
I loooove this series. It is so helpful and insightful.
Congratulations for taking the first step toward getting control of your finances. Well done!
Thank you for sharing and helping others!
I was too scared, too! Just getting it together. Thank you for inspiring us!
You're on your way! Knowledge is power...if you use it and that's what you're doing sister! You got this and thank you for sharing your story!
Thank you for being so honest and open.
I am so happy for you!!!! Not even my loans but damn, felt your pain Aja!
I love your budget videos! As a 24 year old coming up, its nice seeing other people who are in similar struggles
I'm in the same boat. Thanks for being honest and educating us I have about 200,000 in debt from school loans. I just graduated with my masters and now real world is hitting me hard. I will be following your vids! Thank you
"They rode that goddam train" Lmaooooo. Thank you for sharing such struggles with real numbers-makes life a little less scary knowing there are other people sharing the same frustrations.
So cool! Way to get after paying off debt! My husband and I are in the process of paying off his student loans right now, too, so I know the feeling of what you’re going through, totally sucks. Also, you’re hilarious the way you tell stories on here lol :)
Thank you for your video, cause I truly appreciate the information on this situation...I regret my decision to even go to school and not only that my school wasn’t accredited and sued as well as the collections that was dealing with my loans as well...
You’ve put things in perspective for me. I’m definitely going to consolidate.
Girl, I did something very similar. Ignored my student loans for almost 2 years and watched it grow to $62,000. Had my freak out moment. Consolidated my loans and got more aggressive on my payments and now I’m sitting at $43,000 4 years later. I can’t go too aggressive because I have small children and one going off to high school, so they have needs too. But if I stick to my plan I should be student loan debt feee in 3 years.
It’s 3 years later and I’m running across your comment hoping you are debt free
I am running into this comment four years later and I am also hoping you are debt free!!
Girl I am obsessed with these videos you make!!! I’m on the Dave Ramsey train too. I recently consolidated my credit card debt and have 18 months interest free to pay it off which is totally doable. I also refinanced my car and my APR went from 15% to 5%. I want to be more aggressive and pay everything off in 2 years (total about 25k) but I’m in SoCal making $35k take home. But WE GOTTA LIVE LIKE NO ONE ELSE SO YOU CAN LIVE LIKE NO ONE ELSE. U got this girl!
50 told me, go 'head, switch the style up
And if they hate then let 'em hate and watch the money pile up 👍🏼✨💪🏼
I'm so happy that you've found away to pay your debit and not be a slave to Nelnet. Also ignore the haters, they aren't worth your time.
Thank you Aja.My daughter is going to be thrilled when I talk to her about your ridiculous honest video.
Thank you!Thank you!
Hah, I’m so glad that I watched this before someone reported it for too much cursing 😂😂😂 First of all, I’m angry to hear to trolls are insulting you for your spending decisions...2nd - congratulations on your conquer of the student loan loans! 3rd - your personal advise has truly helped me. I’m following along with your procedure - try to spend down our checking account, but add to savings (need a new car) and it’s great to “commiserate?” with someone struggle with debt. Another note, I can imagine that people are giving you criticism along the lines of “How can you be in debt? You made $10,000 a month???” Viewers need to understand that we all have varying levels of debt and income...my student loans were a 1/16 of yours, and I make less than you, but they are finally paid off!!! Yipeee! I’m so happy that you found a better rate for your loans. I live in PA, and went through PHEAA, where rates are 3-5% and fair.
Thank you!!! For this information. It has really helped me a lot. I also have Nelnet and will pursue consolidation with my student loans.
aja, i wish you knew that debt worked like that. i am so glad you know now that tha'ts how debt works! sounds like consolidating the debt will help you further. i'm rooting for you and thank you for courage and bravery in sharing your journey so that others may be able to do the same. i paid off my loans quick after i graduated college because i understood the nature of debt. but, now am having trouble figuring out how to make money. i'm wondering if you could do a video on your journey into youtube and how you make a living out of it. i love seeing your budget spreadsheet along with how much youtube is paying you out every month.
very eye opening! thanks for sharing your experiences, i learnt a lot that i had no idea about
I recently graduated from university and I didn't even know loan consolidation was possible until I saw this!!! So thank you!!! Side note, don't be afraid to go to community college first, I saved a sh*t ton of money there and had the most amazing professors! After I transferred to a university I was fortunate enough to have my tuition paid for by the state, but all of the loans accumulated from my 2 years there were all from housing on and off campus (almost $20,000).
So thankful for this advice! Thank you!
Thanks for this video Aja! I made the EXACT same mistake ... being scared/lost, ignoring the debt for years and then letting interest accumulate. I defaulted and accrued about $12,500 worth of interest and penalties over at least 5-7 years while my head was in the sand. Hearing your story makes me not feel so alone/stupid.
Barring catastrophe, ::crossing fingers:: ::praying fervently:: I will make my final payment later this month!
We got this! Keep swimming!
this gives me so much comfort! thanks so much!!!
This was awesome! I wish you all the best sweetheart! Keep going and God bless you! XOXOXO!
Aja...OMG...you have moved mountains financially in the last 8 months. You are the bomb.com Congratulations on saving $200,000 this month!!!!
Sis, we are manifesting money and savings and a debt free life this 2018!!!! Congrats on your progress!!!!
You can do it!!!! Get out of that debt, girl!! Imagine how in TWO YEARS you could be paying that 6,500 to YOURSELF. All that matters is that you’ll be debt free. Thank you for sharing!
oh my god! THAT WILL BE SO AMAZING
@@AjaDang You have that now and I'm SO happy for you! (Rewatching all your video's, I keep thinking: she's freeee now!)
OMG thank you for the financial advice!!!! You are a gem :)
I was just about to use Nelnet to help pay for my tuition but I guess not anymore. I also just subscribed because I love your energy.
I can so relate to this! I love love this video, it's been so helpful!
GIRL!!!!! Autopay can make me uneasy too. I've literally been screwed so far as to my gas being turned off because a credit card was stolen and after replacing it, I forgot to update on my socal gas account. The notices never got to my house or email for some reason until it was too late! Something to keep in mind. Seriously so inspiring to watch these videos. I don't even have student loan debt but all the finance videos have helped me in my major transition to having an adult relationship with money. THANK YOU!!
I didn't do autopay at first because I didn't want them to take out money that I didn't have lol. But now I know I can at least pay the minimums. I also have a spreadsheet of all the companies I need to change my address/cards with when that needs to happen. It's been really helpful