I paid off my college loans and never received a Paid in Full letter. I did take a screen shot of the account showing a zero balance. I had all Direct loans (government). When I graduated in 2006, we weren’t able to receive a diploma without having a zero balance with the University Registrar. That is crazy that it was going to cost you extra for a diploma! To me that’s a package deal with a college degree.

I'm actually already at community college, the main reason I want to get a loan is because the debt is over a year old and hasn't been paid for, whether it be a loan or not. The university passed it to a debt collector and I was told my credit would be affected if I waited too long. I want to go to a 4 year, but next year will likely be community college too

Do you need your credit score for anything soon? If not, then don't worry about it. It'll be fine in a few months.

Great idea, but I'd go 60/40 on the US and international funds, or even 50/50.

US stocks have far outpaced international stocks for over a decade. Given that most trends eventually revert to the mean, it may be time for international stocks to shine. Vanguard seems to think so.

I hear that...so whats my option? Would one of these companies then discharge the credit?

I'm doing good paying shit off and I will be debt free in 24 months...but...anything helps if you know what I mean

Are you planning to roll it over and then withdraw when your job closes?

Credit scores are a mystery to me. I dropped from 830 to 793 for no reason. No uptick in utilization, no new inquiries, or late payments. I’m convinced Experian arbitrarily lowers your score occasionally so you’ll pay them to “boost” it.

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That's because the fund hasn't priced today. Mutual funds only get a price update once daily, a few hours after market close.

Diversification decreases risk for a given return. Concentration increases risk. Don't confuse holding a collection of funds with diversification. Adding international to US increases diversification because your investment is spread among more stocks. Adding US small cap to a US total market index is concentrating in small cap because total US already includes small cap.

Where did you get those "recommended" asset allocations? It depends on your age, and your goals - are you accumulating and saving for retirement? Or are you entering retirement and trying to protect your money from sequence of returns risk? That portfolio looks like an old man/retiree portfolio.

No offense, but why are you roommates with a non-college student?

In any event, double check your lease--many times college students are treated as separate tenants with separate agreements for this very reason.

Mutual fund prices update once a day, after hours. This typically happens sometime before 6pm eastern time but that's not a hard and fast rule.

I was going to withdraw/cash out since I need the money but now everyone is saying it’s not worth it. I’m gonna have to roll over it since my job is closing in a couple months

Mutual fund prices don’t update until 6pm

So you didn’t wait long enough to check

As others are saying, it's generally advisable to put down as much as you're comfortable parting with up front but please don't leave yourself vulnerable to emergencies.

It's not payrolls job to determine what your personal tax liability is. It's their job to withhold based on how you fill out your W4. I would suggest plugging all your household's info into https://www.irs.gov/individuals/tax-withholding-estimator and based on those results it will tell you how to fill out your W4 which you then give to your company.

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I just got word back that they match 35% of whatever I put in, once a year.

Does that sound normal? Like if I put in $10,000 a year, they'll put in $3,500.

Does that mean I should max it out if I can afford that?

Do you have. Avery thin file?

It is the opposite - do DECREASE risk. The person who can do the most damage to your investments is YOU. If diversifying into a solid mixture of stocks/bonds/REITS etc helps to decrease volatility - it will prevent you from throwing in the towel and selling your stocks if the market takes a 30-40-50% dive. A proper asset allocation will allow you to sleep well at night no matter what the market is doing.

Usually, Hard Inquiries only counted once (I think it's like 45 days), even if it's run multiple times, so probably not that.

The benefit to the LL is getting paid faster, which allows them to redeploy the cash faster either by laying down the mortgage or re-investing the money.

This person talks about bills and bonds alot, been watching many of her content

https://www.youtube.com/@DiamondNestEgg/videos

I would argue everyone should stay away from MLM's. Don't be a buyer of their products, don't fall into the trap to become a seller. Most MLM's won't say they are an MLM either.