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Old 01-03-2019, 07:15 AM
2,962 posts, read 2,962,758 times
Reputation: 3574


Originally Posted by NoMoreSnowForMe View Post
This is not reasonable. When were you ever asked about having a driver's license when you applied for a job? Unless you are applying for a driver position, no employer cares whether or not you have a driver's license.

This is like saying someone should always pay their car payment over their rent or electric bill.

When you look at priorities, having a driver's license is really low on the list.

I believe the comment about the need for a drivers license is based on the fact that in most parts of the country being able to drive is assumed and there are not public transportation networks that make it easy to live without one. It isn't 'required' for a job it is assumed that you have access to a car.
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Old 01-04-2019, 05:13 AM
486 posts, read 1,469,097 times
Reputation: 380
Congratulations to you for focusing to take charge of your career and debt! You are wise to do so; many people don't get such motivation for years.

A few suggestions/points:

Please revisit the tax components on your paystub. You will see that there are several components that comprise the total tax amount including Federal withholding, Social Security, etc.

- As you one of your goals is to pay less taxes, it is critical to identify how much $$ is actually withheld by New York State and New York City. These are the only amounts that will change by relocating to another state. Presuming you will receive the same (or similar) pay rate in another location, the other tax components (Federal, Social Security, etc.) will be the same no matter where you live.

- Check your withholding exemptions. To have the least amount of tax withheld from every paycheck, your status should be Single, 1. This is done on form W-4 with your employer. Read more about this here:

- Note: Some people claim 0 exemptions so that they get a larger tax refund when they file their income tax return. Actually, though, they are being refunded money their own money that was withheld from their paychecks throughout the year. In most cases, had they claimed 1 exemption, they would have had that money in their paycheck throughout the year.

Perhaps you've already checked out some other online resources, but here are two that you may find helpful:

- All Nurses -- A great site that nurses exchange all sorts of information about employment, relocation, licensing, and clinical practice.

- Practical Nursing - Here's a link to licensing information.

- Note the information about Enhanced Nurse Licensure Compact (eNLC). From the information posted, New York State has pending legislation to join the eNLC. If this gets finalized before you are ready to relocate to another state, it will make it way easier for you to practice nursing in another eNCL state as your NY license would be accepted in another state that is in the compact.

Consider staying in New York City while paying off your student loans.

- From what you've written above, your rent is low, especially considering you are living in The Bronx and comparing it to rents in other regions you are considering.

- Jobs as a nurse are plentiful in NYC.

- Working 3-12 hour shifts is tiring. However, it does allow for a lot of time that you can do your art, and still pick up some per diem shifts with another employer. I have worked with many nurses who have full time positions in NYC with one employer, and do contract (travel) work right in NYC with an agency. They, too, are money-movtivated (pay off debts, accrue savings to buy a car with cash, to save to a down payment on a house, or to have a nice cushion in the bank. (Some agency suggestions: White Glove and Fast Staff.)

- Contract work does offer a lot of flexibility. Basically, you work when you want to without being locked into one employer. And as you get experience, you will develop relationships with the agencies' recruiters. Typically they also have jobs in different parts of the country. So, when you're ready to venture out of NYC, you can keep your apartment as a home base, but try out different areas by working as a travel nurse contractor. This would allow you to check out areas and working conditions and practices, without committing to relocating. Contract positions pay for your housing (typically in a hotel such as a Residence Inn [and accumulate reward points - yeah!] and per diems for food. So, out of pocket expenses to you is very limited. And the pay is usually higher than what a direct employee receives.

- Alternatively, instead of adding contract work, get a second job by getting directly employed in NYC by another healthcare organization in a per diem or part time position. Many large organizations have home health services or get a position in a medical clinic group or hospital. (New York City's Health and Hospitals Corp [HHC] and Montefiore come to mind.) If you get a position that is in a union, after a period of time, there typically are education benefits which will pay student loans and also pay for your education to take you from an LPN license to a RN.

- Mass transportation is highly available in NYC. No car is needed, which is a huge savings.

(By the way, if considering a car when/if you relocate, before purchasing, be sure to check the cost of insurance as it varies widely from one model car to another. Many times, the cost to insure an older used car is more for some coverages as the safety features on older cars are not as modern.)

Good luck to you!

Last edited by Nancy-NJ-NY-ME?; 01-04-2019 at 05:17 AM.. Reason: Added bolding for readability.
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Old 01-17-2019, 10:53 PM
912 posts, read 368,109 times
Reputation: 1770
There's free CUNY and suny now for households underr120k..

Can't you go for a bsn RN. Defer those loans interest and payments while you are in school . Get 90k salary in NYC as a RN. Payoff your 25k quickly if you wish . Save up and move to another state if you wish after that.

I agree though 50k doesn't make it worth it to live in NYC.
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Old 01-18-2019, 12:44 AM
Status: "Awesome as usual" (set 6 days ago)
1,655 posts, read 341,004 times
Reputation: 2178
36 hours per week....pfffft! I dont feel sorry for anyone struggling who only works that little....step it up!
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Old Today, 07:08 AM
Location: Outside US
705 posts, read 278,896 times
Reputation: 829
Originally Posted by JC72 View Post
My old neighbor a few years ago was in deep with Student Loans and furious that he couldn't bankrupt them.

He mentioned once that his brilliant plan was to pay all his bills and expenses with credit cards, spend 100% of his paycheck towards paying the student loans down, then bankrupting all the CC debt.

I didn't say anything about it but if he got caught doing that it's probably like Bankruptcy fraud or something.
You cannot erase CC loans b/c of bankruptcy anymore.

Congress changed that in 2005.

This neighbor does not understand SLs nor CC debt.

I doubt he's able to use Google.
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Old Today, 10:07 AM
Status: "Awesome as usual" (set 6 days ago)
1,655 posts, read 341,004 times
Reputation: 2178
Originally Posted by Returning2USA View Post
You cannot erase CC loans b/c of bankruptcy anymore.

Congress changed that in 2005.

This neighbor does not understand SLs nor CC debt.

I doubt he's able to use Google.
That's not true...I filed in 2010 and wiped out credit Cards completely.
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Old Today, 10:30 AM
3,502 posts, read 2,495,505 times
Reputation: 6201
OP, so do you have a degree? Earlier you said you needed 91 credits?

If you move out of state, you are looking at out of state tuition until you establish residency.

I'm a big believer in having a car so you don't have to depend on public transportation. A small used car, checked by a mechanic, might run $4-5000, and gas/insurance will be low.
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