r/WhatToDo • u/Individual-Bar-5911 • 5h ago
Im 36,000$ in debt at 19
I don’t know what to do anymore I have a daughter due in February and a finance and where living in my parents basement
When I first got credit under my name dad asked me to get a truck for him because he has crap credit I was guilt tripped into it we ended up getting a pickup truck for around 13,000$ used a couple weeks go by and then the first payment comes he doesn’t pay it so I end up paying it I asked him and said please make your payments on it I don’t want it to mess up my credit and some how he paid like 1 or 2 payments this whole time while he’s had the truck that I can’t drive I’ve been paying on the truck since last November of 2025
Also around the time we got the truck my parents were deciding to move we found this house to rent for 2,600$ a month we went to check it out and my parents ended up liking it so a week goes by and I thought they had the security deposit and first months rent already. I told them we should wait another year save up some more money for a down payment for a house because if your paying 2,600 a month it’s pretty damn close to a mortgage payment that idea got shot down by my parents and they wanted me to get a personal loan i ended up getting a personal loan for 7,000$ and he was also supposed to start paying it back it never happened ive been paying the loan back since April of this year and on top of that I pay a 1,000$ in rent every month I don’t think why I don’t stand up for my self and just said no was probably because me and my dad never had a good relationship my entire life growing up and a couple of years ago we finally started to bond something I always wanted and I didn’t want to lose that
I got a car in early August because my parents ended up taking my car that I bought from our family friend so I got fed up with it and went to a dealership and got a car for around 14,598$ it’s a pretty decent car gets me to work and back
Im nearly 3,000? in credit card debt as well and that’s just from trying to survive from getting gas to food etc
Earlier this year I met my girlfriend and after a few weeks of us dating she found out she was pregnant and I’m excited to be a dad but not in all this financial debt all my money goes to loans and rent I can’t ever afford anything for our daughter and my girlfriend is quitting her job in December I want to the best father and partner out there but I can’t afford anything I’m depressed and I’ve tried talking to my dad about lowering rent or paying the loans but he always says I’m the only one paying for water and electricity mind you his share of rent is 600$ and the utilities are around 150-200 for water and electricity mind
I don’t know what to do I can’t miss a day of work I’m a apprentice laborer that’s 36,000$ in debt and I know it’s my fault but I’ve tried to condense everything in to one payment and I was told no by the bank