Yes, we have checked. Our home is newly built so when they originally surveyed the area we were just paying “land taxes” due to the neighborhood not being completed and developed yet. That’s how the mortgage company explained it to me.

Look back through credit card statements. You are also allowed to estimate. Don't just throw up your hands and pay unnecessary taxes

Have you checked escrow shortage calculation? Something doesn’t seem correct. I get taxes have gone up and homeowners insurance has gone up, but by that much?

I wouldn’t take any loan to pay the shortage. That’s effectively a 0% interest loan that they giving you by spreading the payments out over 12 months.

The sales of items I sold are on record, but the prices I paid for each item BEFORE selling are what’s lost to the void

Yes I believe that’s what they did. They added the escrow shortage over 12 months making our new payment $2250 a month. The escrow shortage is an additional $600 a month on top of the mortgage, new taxes and new insurance rate

The best way to handle it would be to put extra cash on the shortage if possible to pay it down faster. If that’s not possible I would highly doubt the rate on an unsecured personal loan is significantly better than the rate at the dealer financing, so that would be a wash or have no effect.

Worst case the home payment goes back to normal in 6 months once the shortage is fulfilled.

Do you know what brokerage your state plan is with? Mine for instance is with Fidelity.

Im not too sure we were planning on taking out a personal loan then an auto loan to refinance

Every mortgage company I've ever had has allowed me to pay off the escrow shortage interest-free by increasing the payment each month over 12 months. Does yours not do this? Because it's definitely better to pay it off interest free than to take out a loan to do so.

It would be good to understand when you can get out of this as well. Would the landlord require a cosigner in a year at renewal?

Can you combine the car and escrow shortage into one loan?

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Nor does the record of past sales exist in your eBay account?

One way to look at it is "can you afford it overall between now and then" rather than looking at each month independently. Another question is what's the hit from breaking the lease early?

Future life lesson - don't rent an apartment with a girlfriend if you can't afford it alone. (Good advice for both sides of that - you really never want to be dealing with a situation where either person feels stuck for financial reasons.)

That’s part of the problem, I did a sort of spring cleaning of my email a while back and don’t have a lot of those purchase confirmations :/

So I shouldn’t make any payments before the pause ends?

You do not need to know all the negatives of co-signing because you are not going to co-sign for ANYBODY ever.

Tax evasion is when you are knowingly avoiding paying taxes. At this point, you don't even know if you owe taxes. So I think calling yourself a tax evader is a bit of a stretch.

Has she reported the fraudulent activities to her bank?

I agree that her physical phone was unlikely to be hacked, but her provider account may have been, she fell victim to some other type of scam. The other somewhat common way is through password reuse.

While this isn't identity theft, there are a lot of things on the guide that would be a good idea to follow here to secure her accounts https://www.reddit.com/r/personalfinance/wiki/identity_theft/

>What is the best approach for paying off my student loans.

Once the pause ends, pay off the highest rate debt first, while paying the minimum on all others.

Okay thank you

Well, expenses come up. For example, I had to pay for my visa admin cost and a space heater this month. It out me a few hundred bucks over. I get about 800 per month. Actually, part of the scholarship stipulations is that I'm not allowed to have any other job while receiving it. I agree that I should try to avoid that, thank you

Could I ask what you do for a living? >_>

You do not need receipts. Records are in your email, sale notices from eBay, etc. It's going to be an hour or two of work for you to put it all in a spreadsheet. Suck it up and do that, you'll thank yourself later if you ever get audited. You need to track cost basis for each sale.