Due to some circumstances when I was in my early 20s that were mostly caused by my mother, but partially because I used credit cards to stay afloat, I went from having a significant amount of savings to being $25,000 in debt.
I recently got a major raise and it's realistic for me to pay that off within the next year or two. Or, my dad has offered to front me the cash as long as I pay him at least $400 a month, plus 4% of the overall loan. (Roughly $1,000.)
This is a great deal for me on paper, but it makes me feel like I'm giving up on my own financial solvency, and admitting I needed mom and dad to bail me out. I'm extra unhappy because it's her fault.
Do I suck it up and take on the offer, or go my own way and pay off my cards?
If your family has the slightest tendency to make you feel like you need them, then I would say pay it off without their help. But if your Dad, in particular, has that "I am your dad, let me know how I can help you" attitude, then take his offer.
>>17509239
My dad is a total bro these days, but used to beat me up as a kid while drinking. He was gonna throw me down the stairs once, used to pick me up by my collar and scream, broke my thumb in a fight when I confronted him as he was chasing my friends down the road for "ruining his marriage." I knocked him on his ass that night and finally changed things - he bought me a PSP to apologize, which I couldn't play because he'd broken my thumb in half.
I feel like he feels very obligated now that he's not on the booze as much.
>>17509268
People make mistakes man, at least it sounds like he has changed and learned over time. I don't know your Dad from Adam, but it sounds like he is following a different path.
My Dad was a shit-bag when I was growing up as well, but he also bettered himself over time. Parents who grow up in shitty environments tend to follow provide much of the same, but there are those who acknowledge as much as change their behaviors.
I'd say take him up on his offer. It'll probably make him feel better about helping you through life, and much more importantly, if will prove to you that your Dad really does care about your well-being.
>>17509303
Also, sorry about the grammar/typos, blah blah. It's Wine o'clock here.
>>17509309
Yeah, it's beer-thirty over on my side too. I appreciate the thought. I'm so fucking defensive/private that it's hard to be trusting of my parents. I'll stand by for more advice, but I like your thinking.