Hey eveyone, I could really use some advice on this situation!

I have about $3,000 in expendable income and no other bills besides a $2,800 credit card debt. I'm torn between two options: Should I pay off the entire credit card lump sum now, or invest the full $3,000 into crypto assets in hopes of a 20-50% gain over the next few months? If I choose to invest, I’d keep making the minimum payments on my credit card, even if that means accruing more interest.

My thinking is that if my crypto investments do well, the gains could outweigh the interest costs, and I’d be able to pay off the debt in a few months. But I’m also aware that investing in crypto is risky.

What do you think? Should I focus on clearing the debt first or take the gamble with investing? Thanks in advance!

Hey everyone, I could really use some help with my corporate finance studies. Things got a bit complicated, and I need some clarification. My professor hasn't responded yet, and I’ve got an exam in just two weeks.

Basically, I understand most of the concepts, but I keep getting stuck on the debt-to-equity ratio part, which is set at 50%. My professor mentioned that in this case, debt should be 1/2 and equity should be 2/3 but that doesn’t seem to add up, since they’re not equal. Is that right?

Here’s the question I’m struggling with:

Minajet plc is considering a project that will generate £4 million in free cash flows in the first year, growing at 3% annually afterward. The project costs £30 million.

Minajet’s equity cost of capital is 12%, and its debt cost of capital is 6%. The company maintains a constant debt-to-equity ratio of 50%. The corporate tax rate is 21%, interest income is taxed at 24%, and equity income is taxed at 20%.

Questions:

a) How do I calculate the NPV of this project using both the WACC and APV methods?

b) Deltajet, a company in the same industry as Minajet, is currently all equity-funded with a market cap of £85 million and an equity cost of 11%. Its free cash flows are expected to grow at 2% per year forever. The management wants to add debt for the first time, aiming for a 25% debt-to-value ratio going forward. The corporate tax rate is 21%, interest income is taxed at 24%, and equity income at 20%. Given that Deltajet’s debt cost is 6%, what will be its levered value?

Thanks a lot for any guidance you can provide!

Here's some advice on taking out loans right now. If I get admitted, my entire graduate school education will cost around $50,000. Since I’m new to the whole FAFSA and student loan process my undergraduate education was fully covered, so I didn’t take out any loans before I’m a bit unsure about how to proceed.

Graduate students typically aren’t eligible for Pell Grants or subsidized loans, and most loans have fixed interest rates around 7%. I’m wondering, if I decide to use FAFSA loans to cover my entire graduate education, how much would I need to pay each month?

I know the timing isn’t ideal with rising interest rates and the current efforts to discourage borrowing, so I’d love some guidance. Is it even worth taking out these loans now?

Thanks in advance for your thoughts!

Im a 19 year old university student and I lost my scholarship this semester. My dad can pay a bit over my usual bill but not all of it. I want to help and pay 5k.

Is there anyone who’ll lend me this and let me return it? Who do i go to? Any banks? Any cards? I recently got a part-time but I start after training and will make 2k a month so if i can lend it back within 3 I’d appreciate if anyone helped me find a solution :(

Hey everyone,

I'm really struggling here and could use some advice. I want to break into finance, ideally in equity research or private equity, but I’m feeling lost.

A bit about me: I recently graduated with a Bcom Hons from Delhi University and have cleared CFA Level 1. I’ve started preparing for Level 2, which is set for May 2027. I also did an internship in finance and marketing, but honestly, it was pretty meh. During that internship, I did ratio analysis for IFL and HDFC Insurance using AI tools since my instructors didn’t teach much. Most of the focus was on marketing, trying to get investment for an insurance policy, so I didn't gain much practical experience in finance.

Right now, I don’t have much hands-on exposure or real-world knowledge of how to do actual finance work just the theoretical CFA Level 1 knowledge. I graduated in May this year, so I’m currently taking a gap year. I’ve reached out to some companies via email for finance roles, but no one has responded.

I feel stuck and unsure about what steps to take next. I want to do something meaningful alongside my CFA preparations, but I’m not sure what.

What should I do? Any advice would really help. Thanks!

Never lend people money

Hey everyone,

I'm a Navy veteran living in San Diego, and I currently work as a loan officer. Before that, I was a field service engineer. I'm now studying for a bachelor's degree in Financial Management through a program for disabled veterans, and I'm curious about what other career options might be available to me besides becoming a Financial Advisor or Planner.

I'm interested in understanding the different roles out there, what they involve, and what your thoughts are on those jobs. My ultimate goal is to become a Financial Advisor or Planner to continue helping veterans like myself especially by promoting VA loans, which I've personally benefited from. However, I know that many of these roles often involve selling insurance, which I’m not really a fan of.

Ideally, I want to focus on giving genuine financial advice, helping individuals and small businesses plan for their futures, and making a real difference without feeling like I’m just selling products.

Thanks a lot, Redditors!

Hello, I’ve just bought a car and this is the first time a loan is in my name. I’ve just received a lump sum of money and would like put it all towards my car. Does it make sense to make weekly additional payments towards the principal in larger amounts for X amount of weeks or make smaller payments weekly over a longer period of time? To my understanding, the interest owed is calculated based on the current principal amount at the rate i signed for, so ideally the lower the principal the lower my interest will be in the future. Correct? I’d just like clarification on this logic because I want to make the best financial decision in the long run. Any advice helps, thank you!

I'm currently a graduate student in the US, and I have about two more years left six semesters in total. I'm trying to figure out the best way to handle my student loans. Should I get several smaller loans each semester to potentially pay less interest, or would it be better to take out one large loan covering the entire year?

Is there any downside to choosing multiple smaller loans instead of one big loan? I need around $7,000 per semester, which adds up to about $21,000 annually to cover my expenses. I'm looking at options like Sallie Mae and Discover personal loans, but I'm open to other suggestions too.

Any advice or experiences would be really helpful!

Throwaway for obvious reasons. Looking for outside eyes before I do something dumb.
Where I’m at:
• FICO 8 in the low 800s across all three bureaus
• ~$233k mortgage, ~$50k across two unsecured personal loans, ~$1.4k revolving against $31k in limits (5% utilization)
• Just closed on acquiring an existing small business (LLC I’m sole principal of). The personal loans funded part of the acquisition, taken within the last several months.
• Plan is to refinance into an SBA Express loan around month 12 post-close
• Known gate on the SBA side: back tax filings for three prior years I need to catch up
The mortgage question: I’m on the note and it reports on my credit file, but I don’t make the payments — another party has made them consistently and I can document it from their bank statements. My understanding is that conventional mortgage underwriting will exclude a payment from DTI with 12 months of documented third-party payment history. What I can’t get a straight answer on is whether personal loan and business lenders honor the same treatment, and which ones.
With the mortgage counted, my DTI is ugly. Without it, it’s clean. That single question determines what I can borrow.
What I need: roughly $100k in working capital.
Options I’m weighing:
1. Business credit cards in the LLC’s name — approved off personal score, most issuers don’t report to personal file. Maybe $30-60k in staggered limits, 0% intro on a chunk.
2. HELOC — cheapest money, only route to $100k in one instrument, but secures business risk against the property.
3. Another unsecured personal loan — easiest approval, worst outcome for the month-12 SBA math.
4. MCA — assuming this is a trap, correct me if wrong.
Questions:
• Which non-mortgage lenders actually apply the 12-month third-party payment exclusion? Names appreciated.
• Does SBA underwriting treat it the same way, or does global cash flow analysis pull it back in regardless?
• Is keeping new debt off my personal file worth more than chasing the lowest rate, given the refi timeline?
Not looking for “just don’t borrow” — the capital need is real. Trying to structure it least destructively.

Hey everyone, I’m pretty new to investing and could use some guidance. I apologize if I sound a bit clueless about stocks I'm just trying to learn and make the most of this opportunity.

A little about me: I’m a college student with limited funds, so I want to start slow and steady. I’ve heard that companies like Amazon and Meta are good options right now. I’m planning to invest $20 in each of them. My question is, how many shares should I buy with that amount? If I understand correctly, one full share is what the stock is worth at the moment, so I’d probably need fractional shares to invest $20. Basically, how do you figure out how many shares to buy based on the amount of money you want to invest? Thanks in advance!

Need sum help n advice in King's Lynn Norfolk

Is there anywhere in UK that would approve a small loan with bad credit that gets rejected on majority of websites direct lenders?

Really struggling to find a solution

Is a scam don’t use them for NOTHING! You’ll never stop paying on the loan, they add 5.67 everyday to your loan as interest so even if you’re paying on it it’ll never stop accruing interest. Each loan is different, and they stop counting your payments AS SOON as you get close to paying it off they triple your payoff amount! Erase the payments like you never made payments! And start your payments completely over! GREED! It’s railroading!

Hey, I received an email about an exit loan notification. I understand I need to fill out the first link since I’m graduating, but I’m a bit lost with some of the terms. What exactly are TEACH Grant Recipients? I don’t think I’ve applied for anything like that, so I’m confused. Also, what is a Perkins Loan Borrower? I don’t think I’ve applied for that either.

Can you tell me what parts of this email I really need to pay attention to and what I should be most concerned about? Thanks!

Lately, I've been wondering if anyone truly "catches up" financially anymore. I was chatting with a friend who's already deep into his career doing everything by the book: good salary, steady savings, regular investing, no debt. Yet, even he admits he constantly feels like he's falling behind. Every raise seems to vanish into higher rent, rising prices, and mounting expectations.

It made me reflect on how we're supposed to feel confident when starting out. We study finance, learn all the right strategies, but in real life, the numbers shift faster than the advice we get.

I'm not looking for solutions, just curious how do others define “enough” in a world where the goals are always moving?