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I have to move out of my family's house by the end of April. I really like this complex that's updated and closer to the city. However, it's at the top of my budget. There's a cheaper complex near my job that's about 60-80 cheaper. Financially, it makes sense, but I'm a single female and I'm afraid to be in a sketchy area. I'm torn and I need to make a decision ASAP. Also I want to be closer to the city because I am looking for a new job and I don't want a long commute.
I have to move out of my family's house by the end of April. I really like this complex that's updated and closer to the city. However, it's at the top of my budget. There's a cheaper complex near my job that's about 60-80 cheaper. Financially, it makes sense, but I'm a single female and I'm afraid to be in a sketchy area. I'm torn and I need to make a decision ASAP. Also I want to be closer to the city because I am looking for a new job and I don't want a long commute.
If it's only $60 a month cheaper, is it REALLY all that "sketchy"? Or are you just nervous about moving out?
I agree, get a roommate, or be a roommate. Vet such a situation carefully though - you're going to have to sign a lease so you will most likely be stuck with that person til the lease expires, or have to buy your way out.
Ask for a partial deferment on one of the school loans or to make a smaller payment. They cant make you pay the full amt if you dont have the income needed, and they will be glad to make arrangements in this day and age just to get some movement towards paying it back. Yes you will pay more in the long run, but at this point, you cant afford those big payments. I would also look at getting a cheaper car to lower your monthly costs (seriously), a roommate, and a little part time gig to help pay for things.
Make sure when you get a roommate that they also sign the lease. No sublets.
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