Subleasing is really your only option, if your lease allows it. You can't make assumptions about lease terms and 60 days notice is fairly common

You may find these links helpful:

• General Information on Rollovers
• 401(k) Fund Selection Guide
• Retirement Accounts
• "How to handle $"

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Nobody is providing practical answers given your context lol.

Stop paying the credit cards. After 4-6 months they’ll be charged off, which means they’ll stop accruing interest. In this time, other companies will buy the debt and you can work out a payment plan, like $50 a month of something. Interest free. Or, if you’re never going to be back, ignore them for 7 years and it falls off your credit report.

You don’t have any options on the federal student loans, but those should be in deferment until Aug of 2023 anyway.

Brb

Lol, yeah I know...I just like to challenge people when they post myths like that.

You seem to be putting a lot of blame on third parties (the university fucked you over, the visa fell through…) and taking no responsibility. You got here because you took too many loans that you could not afford.

If you want to post your budget, we can try to help to see where you could cut expenses and find money to pay off the loans. Look into the avalanche and snowball methods of paying down debt if you’re interested in this option.

Only you can decide whether you want to live with the consequences of defaulting or bankruptcy. Make sure that it won’t affect your current job and visa too.

Try using either the Avalanche or the Snowball method to bring down your debt. There are YouTube videos that have extensive information on these two methods. Prep your own meals and refrain from going out to eat. Pause all investments including IRAs. Just invest enough of your salary to receive your company's matching contribution. Once you have ended your debt your options will open up immediately to save and invest more aggressively.

Insurance is the driver’s responsibility, not the lender’s.

I always ask the salary range in the first interview to make sure I’m not wasting my time.

I played with virtual stock exchanges as a 13 year old and did not learn much. I would have preferred having view access on some $100 put into an investment fund. Eg put it on an index fund and tell them they can have it when they turn 18. Could teach them a valuable lesson about taxes also haha.

There are crappy roommates. I say dorms & have a quiet place to go to. If you have a crappy roommate-the dorms/school can handle it. If your in an apartment-what’s the plan of a crappy roommate doesn’t pay-or stays up late..or your cleaning up after them?

I’ve had a few intro interviews bring it up. Like the recruiters.

I don’t know, there is a lot to learned from failure and mistakes as well. Picking a single stock and having it do poorly might be a great learning experience.

Is this for a remote position or are you relocating?

If remote, they may not offer you pay range in Cali, but rate in the state you’re living at. I’d also consider time zones and expectations from management. For example, if you’re expected to operate in PST vs where you’re at. It could be challenging if you have to operate that way while you’re on EST.

If relocating, include cost of relocation (are they covering it, is there a contract etc). Also consider and compare state taxes.

Lastly, regardless of remote or not, also consider number of PTOs and holidays.

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Former recruiter here... Literally ask them what the salary range is for this role. California employers have to tell you and they also can't ask about your pay history due to wage discrimination laws. In fact on January 1st, they have to include salary/pay ranges in job descriptions because Gavin Newsom signed a bill in September. If the salary isn't to your liking, ask if there's any flexibility in the range they gave you and then make a decision about whether or not it's in your best interest to proceed in the process.

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Let them make the first offer and then go higher

100p live in the apartment, maybe see if you and your friends can find a cheaper situation. You will want a kitchen, bedroom, space, no rules. You will not want to always having to be walking to your friends and be the odd man out. You will miss out. I made my best friends from being roommates. Also, do you really need a 25,000$ car?! That’s a lot!!! Maybe have a side job and save for a car so you can pitch in to add to what your dad will be willing to pay for a car. I’m also not a car person. But 100p living in peace in an apartment not on campus with campus rules, with your friends, in your own space is so worth it.

In an interview?

Nothing at all, unless they bring it up, which is unlikely. If they do, keep it generic, like “commensurate with market”. If they press more, then say you’ll do some research and get back to them.

But again, highly unlikely they bring it up. If they don’t bring it up, you don’t bring it up either. Focus on getting the job. Talk money when/if that happens.

You may find these links helpful:

• Debt
• Dealing with collections

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Google cost of living estimates for both places and do the math to see what the difference is and adjust the salary to match, do research for your field for salary, etc

If it's such a specific role the general audience of Reddit won't be able to help.

Basically crunch the numbers.

Totally depends on the school and campus. There is huge variation.

Do a simulation portfolio first of $100,000. Your son picks 10 companies to study, invest, and follow the portfolio performance. When making a simulation purchase, use the actual market price at the time of the decision to buy or sell. What he will learn is that frequent buying and selling will generate a loss. Long term investing should be the lesson learned. Best Wishes!

Great advice, thank you

You’re probably also going to be in hot water with your lender because they almost certainly require this asset to be insured, which it wasn’t. Don’t stop paying that car note unless you want the lender to come after you with a vengeance.