I’m 31 years old and have a good job as a lawyer in Manhattan. I’ve reached the point in my life where I can afford my monthly student loan payments, with a little help from my law school, and also afford to finance a tiny co-op somewhere in the outskirts of Brooklyn or Queens. So, I’ve made it, right?
Except I can’t borrow so much as a dime. I have terrible credit, despite the fact that I’ve never failed to pay a bill in my life. The only debt I’ve ever had is from law school. Like a good fiscally responsible adult, I’ve always paid those bills on time, always paying more than my monthly minimums to try and pay them off more quickly. Continue reading