How do I dig myself out of a financial hole?

I find myself quite curious about this as well

Honestly, unless you're dealing with Coinbase, no bank is going to touch you if your credit is trashed or you've got collections hanging over your head—I'm basically just out here gathering intel too.
So, has anyone actually managed to score a loan without a co-signer? If so, please walk me through the process.

Carl Roberts3 said:Wait, I'm lost... what are you even getting at?

I just need $6667 that I don't have right now, just so I could take out a loan... maybe over like a 5-year term or something...

Five years of paying off two net salaries? You honestly think that’s reasonable? If you were actually looking for a way to make this manageable, you should have just gone with a thirty-year term. Spread it out, man. Stretch it.

Maybe you should check exactly how much ground you're trying to cover here. Instead of leaning on everyone else's dime, why not start using your own money? Save that twenty bucks for yourself. $0.00 What exactly do you need?

neondriver5 said:Five years of paying off two net salaries? You honestly think that’s reasonable? If you were actually looking for a way to make this manageable, you should have just gone with a thirty-year term. Spread it out, man. Stretch it.

Maybe you should check exactly how much ground you're trying to cover here. Instead of leaning on everyone else's dime, why not start using your own money? Save that twenty bucks for yourself. $0.00 What exactly do you need?

You can always pay down a loan early if you want to... I don't get why people are being so aggressive about it.