Returning my 3G S

[ibuyufo]

Passing on my responsibility? I am not asking people to pay for my loans. I have a full time job and pick up things on the side (legal) to pay off my loans.

If your logic is correct, those with debt can't have any luxuries?? Is one supposed to work 50 hr work weeks with no reward? Since so many of you judge, my university stuck me with private loans. I had no idea the difference between subsidized and unsubsidized loans, now im paying out the rear in interest.

The Blog i created is more about wanting to educate people about loans so they don't get stuck like I did.

I believe I do know how to manage money, I returned the thing!! Just because I am 1 year out of college and have loans doesn't mean I don't know how to manage my finances. FYI: I have 0 CC debt, I drive a 1990 civic and don't have cable.

Thanks for judging me, the post was for questions about returning the phone.

To answer my ?:

1. It was easy, AT&T didn't even need a reason.
2. The 10% restocking fee just is subtracted from what they put back on my CC.

Thanks for the tips everyone!

You may not be asking people for a hand out but you are asking them to click on the google adsense ads which google will hand out the money to you. I wasn't trying to judge you at first until I saw your web site. But now you're out 10% cost from the iphone which could have been used for something else like food or pay some bills.
When I got out of college I was up to my neck in debt. I had credit card debt, student loans, and I owed money for the dorm. As a matter of fact I was not fiscally responsible and had the collection agency after me. Sounds worse than you doesn't it? I was pretty much jobless but I got lucky and found a job somewhat related to what I studied. Then I was hired by another company, but in any case over time I paid off my loan. In between then and now I had never asked anyone to help me out whether through a handout or for them to click on my web site.
But in any case I hope things work out for you for the better.

 

[ibuyufo]

Bwahaha - that is kind of what I thought. Of course if my girl said we had to get rid of my iPhone well I would be in the same boat.



Bingo - this is what I had to do. Got rid of ESPN/cable, got rid of my coffee trips to Peets, no more 3 dollar burritos at my Burrito shack, always eat a brown bag lunch, got rid Sirius Radio, and some other things. After that was done, the iPhone plan was an easy sell.

Why not just deffer your student loans. Those bad boys will be with you longer than that iPhone.

Why not get the 3G 8gig? The price difference between the 32gb and 8gb is what, 400-500 bucks (I have no idea how much a 32gb is)? The price difference between the two phones will pay for a year of the iPhone plan.

Over the long run for data plan, sms, and phone service he will far outspend what he saved

 

[RSW]

Ditch the wife, keep the phone.

(Before everyone gets outraged, that's a joke.)

I second this one!

 

[ibuyufo]

I second this one!

Nah he would be a smart man if he kept the wife

 

[maflynn]

Passing on my responsibility? I am not asking people to pay for my loans.

Sure you are.
Your own website that you have on your sig is asking just that.

Welcome to "My Student Loans" tumblr. I am running a social experiment to see if I can get people to support my website to pay for my insane student loans. I have over $60,000 in unsubsidized loans and I am drowning. I have calculated that I will need 400,000 vistors/supporters to the below sponsers to meet my goal. Once achieved I will create maintain the site as a student loan advice site

That sounds like you're asking people to pay for your loans

I hate to be critical because I've made mistakes in my life but I do agree with the others. Your own site states your drowning [in debt] and yet you go out and spend $$ on an iPhone and monthly plan you cannot afford.

Well to answer your question, your best bet is to return the phone and cancel the contract. You will be on the hook for restocking fees, but I don't believe you'll get hit with other fees.

 

[PNutts]

Get ready to be shafted with a 10% restocking fee at AT&T.

Shafted? Are you referring to the charge you agreed to when you signed your contract? Do you have any idea how much $$$ it costs to bring a successful product / service to market? And you want them to refund 100% because you changed your mind?

Let me know when you implement your business model and I'll be your first customer... Until I change my mind. Then I may come back. Then I may change my mind.

 

[xxshawnxx]

Since so many of you judge, my university stuck me with private loans. I had no idea the difference between subsidized and unsubsidized loans, now im paying out the rear in interest.

Dude- Are you kidding me? Are we suppose to take anything you say seriously now? Patrick, it's YOUR job to learn the difference between the loans YOU applied for.

P.S. Glad you made the right decision on the iPhone.

 

[patrickdunn]

Dude- Are you kidding me? Are we suppose to take anything you say seriously now? Patrick, it's YOUR job to learn the difference between the loans YOU applied for.

P.S. Glad you made the right decision on the iPhone.

I was naive and right out of high school, the financial aid office had the papers and I just signed them. Not many 18 year olds are going to read the papers, they are just going to sign whatever the college puts in front of them.

By the way, I was just asking about returning an iPhone and explained why I am doing it. Geez people, I even take responsibility for my loans. I have never been late on any sort of payment.

I gotta get off here and apply some Aloe after the flaming.

 

[xxshawnxx]

I was naive and right out of high school, the financial aid office had the papers and I just signed them. Not many 18 year olds are going to read the papers, they are just going to sign whatever the college puts in front of them.

By the way, I was just asking about returning an iPhone and explained why I am doing it. Geez people, I even take responsibility for my loans. I have never been late on any sort of payment.

I gotta get off here and apply some Aloe after the flaming.

Sorry if I came off a bit harsh, Patrick. It just bugs me when people blame others (like the university for sticking it to them.)

I really hope everything works out for ya.

-Shawn

 

[maflynn]

I was naive and right out of high school, the financial aid office had the papers and I just signed them. Not many 18 year olds are going to read the papers, they are just going to sign whatever the college puts in front of them.

Well don't blame the school for that. Its your responsibility as an adult to make sure you know what you're signing. You can't use the excuse its not my fault because I was young and immature. At the very least why didn't have your parents there to help you out with the paperwork and explaining the details since you admittedly did not understand such basic fundamental of reading what you sign.

By the way, I was just asking about returning an iPhone and explained why I am doing it. Geez people, I even take responsibility for my loans. I have never been late on any sort of payment.

I gotta get off here and apply some Aloe after the flaming.

Well while its hard, it is the correct decision, and perhaps (including mine) some of the posts were rather hard, but I think you poured gasoline on the conversation when you tried shifting the responsibility for your decisions and debt to others. As I just noted you were an adult when you signed the contracts/paperwork and it doesn't matter if you're right out of high school you're an adult.

 

[dwd3885]

why didn't you just sell it on ebay. You would've MADE money instead of losing 10%. For someone who needs the money, it was a no brainer

 

[notjustgc]

why didn't you just sell it on ebay. You would've MADE money instead of losing 10%. For someone who needs the money, it was a no brainer

Seriously, Patrick... sounds to me like ignorance (or at least carelessness) is the root of all your problems. Just stop and think critically about these decisions, seek (and LISTEN to) advice from others around you, and you'll be a lot better off in the future.

 

[Undispu7ed]

You may not be asking people for a hand out but you are asking them to click on the google adsense ads which google will hand out the money to you. I wasn't trying to judge you at first until I saw your web site. But now you're out 10% cost from the iphone which could have been used for something else like food or pay some bills.
When I got out of college I was up to my neck in debt. I had credit card debt, student loans, and I owed money for the dorm. As a matter of fact I was not fiscally responsible and had the collection agency after me. Sounds worse than you doesn't it? I was pretty much jobless but I got lucky and found a job somewhat related to what I studied. Then I was hired by another company, but in any case over time I paid off my loan. In between then and now I had never asked anyone to help me out whether through a handout or for them to click on my web site.
But in any case I hope things work out for you for the better.

Man that makes so you much of a better person because you took care of all your debt on your own! But I agree though, OP needs to be more responsible. That link in your sig just erased all the sympathy I had left for you.