You can create a will that says she gets the house or you can add her to the title.. She doesn't need to go on the mortgage.

Lmao your funny. I wouldn't have got this car if I knew I was going into the service.

TSP= thrift savings plan. It's a traditional or Roth retirement account that was rolled out for service members a few years back when the retirement system was reformed from the 20yrs or nothing model. They will match your contributions dollar for dollar up to 3% and at .5 per dollar from 3-5% so that's basically free money. It's a no brainer to at least put in the 5% they'll match. G funds are one of the available investment choices within TSP. They are very low risk/low reward, so basically a bad choice for anyone who is not about to retire. They have more aggressive funds you can choose or lifecycle funds which are based on your anticipated retirement age and are a diversified mix of funds that adjust risk/aggressiveness as you get closer to retirement.

Are you still on good terms with your mom and sister? Talk to them about getting it taken care of and if not, call the collectors and let them know the situation. If you were a minor at the time, you're not as liable as they are for it.

[deleted]

Wow, the interest rates went down at the car dealerships off-base. TIL

No. A dollar today is worth more than a dollar tomorrow.

SCRA takes care of the rate

I think we were all on the lease but I’m honestly not sure

If the vehicle is financed, meaning you still owe the bank or credit union money, tell them immediately and show them a copy of your active duty orders. They must follow SCRA and MLA regulations.

My name isn’t anywhere on the letter besides for the mailing part & they aren’t even on my credit at all

If you file separately you will likely pay more in taxes. Your tax guy can tell you how much more. It would then be up to you to decide if it is worth it to get lower student loan repayments.

If you get a discount better than the interest rates of you investing the money, then it's a good idea. Or maybe, If you have a Job that has a variable income, and you have the fear of not being able to pay rent some of the months.

See "How to handle collections" here:

https://www.reddit.com/r/personalfinance/wiki/collections/

Consider sending a dispute letter (as documented in the link above). If they respond with the original contract used to rent the apartment, point out that your name isn't on that contract. If they fake your name on the contract, point out that you were a minor, and unable to legally sign a contract at that time.

[removed]

Dealing with collections wiki. Request all communications to be done by mail only. Letters, at least you can decide when to look at them.

That will be no issue I hope to never need a car again after this.

No he’s trying to get that 22% interest rate challenger after basics, he’s needs this car gone! /s

But I mean you never know, you might not need it depending on where you go.

Is the debt under your name? If not, call them and clear it up

What do your acronyms stand for, and yes I have someone who could sell it. This is a good idea.

Was their name on the apartment or was it just you?

It's guaranteed no one will drive it, I'm in a unique circumstance so that's no issue.

So I guess I need to shop around for buyers and insurance and then figure it out after I see some numbers, I appreciate the help alot everybody this has been a huge stressor on me, also how long will it take for the process to be over, I need my car until the week before basic.

Thank you so much for the full explanation that answers some serious questions.

He will be out of work three days.