The dreaded PERSONAL LOAN

[flotus]

I need to take out a a personal loan to furnish my apartment for vet school/help pay for moving expenses.

Do you all have any you recommend? Should I try to get a student loan or just a regular personal loan?

If I take out a personal student loan, do I have to report those to the school and thus get approved for less federal loans for this year?

I’m going to talk to PNC today.

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[EB73674]

I would see whatever is a more forgiving interest rate & payback policy - I would argue that a personal loan may be better in the long run, but they likely won’t let you defer payments while in school, which a student loan would. If you haven’t applied for federal loans for school yet I would DEFINITELY do that first, as you don’t need to declare it on the FAFSA if you haven’t gotten it yet. Also definitely check out local buy/sell groups on FB when you get here, there are a ton of great secondhand furniture items to help save some money!

 

[JaynaAli]

If you’re just needing funds until your student loans are paid out, another option is to consider opening a new credit card…some have 0% interest for 12-18 months on new accounts. That would let you put expenses on the card and give you more time until student loan money is handed out, at which point you’d theoretically have a lump sum to pay off the credit card. I don’t recommend going into credit card debt long term, so I would only pursue this option if your sure you can pay it back during the interest free period once your student loan money comes in, but it may be an option if the budget is there. However, it probably wouldn’t work if these moving expenses will exceed what you expect to get/have ‘extra’ from student loans. But that is what I did when I was finishing residency, needed to move, but my salary/sign on bonus for my specialty job hadn’t yet paid out.

 

[flotus]

Thanks y’all! I need to take out a loan on top of the federal loans. The federal loans cover my living expenses, but I need some extra cash to help me with moving expenses and furnishing the whole place. I’m thinking it’ll probably run me about 5-7k

 

[WhtsThFrequency]

Whether a personal loan is a good idea or not also highly depends on the interest rate, the terms, and amount you can get approved for i.e. what your credit score and credit history are. Most personal loans accumulate interest daily and few have intro rates - the average flat rate right now is about 9-10% if not more. A 0-4% (low) intro credit card is a much better idea 1) if you have good credit and 2) if you plan to pay it back off as soon as you get your fed $ (source - my SO is a loan sales specialist and does personal loans every day, I just posed him your situation a few min ago). Of course, how low the intro rate is depends on your credit score - do you know what it is?

And to be honest, 5-7 k for moving and furnishing an apartment is a LOT. Do you want to have that much, or do you NEED to have that much? Unless you are moving cross country and bringing a lot of furniture already (ie necessitating a moving company which yes, can be expensive) I think you need to temper expectations. You can get perfectly good used furniture for a fraction of that price and then slowly update as you go.

 

[flotus]

Whether a personal loan is a good idea or not also highly depends on the interest rate, the terms, and amount you can get approved for i.e. what your credit score and credit history are. Most personal loans accumulate interest daily and few have intro rates - the average flat rate right now is about 9-10% if not more. A 0-4% (low) intro credit card is a much better idea 1) if you have good credit and 2) if you plan to pay it back off as soon as you get your fed $ (source - my SO is a loan sales specialist and does personal loans every day, I just posed him your situation a few min ago). Of course, how low the intro rate is depends on your credit score - do you know what it is?

And to be honest, 5-7 k for moving and furnishing an apartment is a LOT. Do you want to have that much, or do you NEED to have that much? Unless you are moving cross country and bringing a lot of furniture already (ie necessitating a moving company which yes, can be expensive) I think you need to temper expectations. You can get perfectly good used furniture for a fraction of that price and then slowly update as you go.

I got approved for a 10k loan at 9% interest over 36 months, so I think I’ll only be paying about 800 in interest. $300 a month. My credit score is about 780. I don’t need 10k but the interest is lower on the higher loan and there’s no penalty for paying back early.

I won’t use the 10k all for furniture. I WANT to be comfortable in a new environment, and I am moving 4 hours from home. I have NO furniture - not even a bedroom set or mattress.

The money I got will go for other expenses too, such as helping to pay for a lawyer for my fiancées citizenship.

My credit card APR is much higher than 9%

 

[WhtsThFrequency]

Obviously a current credit card you already have is going to have a rate higher than 9%.

I’m talking about getting a new credit card with a very low intro APR (or even 0%) for the first six months to year. With a credit score that high you should be able to get one. Buy what you need, get your loans, pay it back. Why pay any interest at all?

 

[flotus]

Obviously a current credit card you already have is going to have a rate higher than 9%.

I’m talking about getting a new credit card with a very low intro APR (or even 0%) for the first six months to year. With a credit score that high you should be able to get one. Buy what you need, get your loans, pay it back. Why pay any interest at all?

Yeah, I thought about a new credit card but don’t have an income to support a high limit even with my high credit score. I have a co-signer for the loan. Also, I don’t want to tie all my credit up. My loan refund would not be able to cover all I need when factoring rent and other expenses. My rent will be 1700. Roommates aren’t an option sadly.

Wish I could petition for higher COL with the way the world has become exponentially expensive to live in.

I know everyone recommends suffering through vet school and just barely getting by for the payoff - but living in poverty sucks lol. I really would like to be comfortable (not living lavish) while suffering through vet school. That’s just my opinion but I’ve been poor my whole life lol

 

[JaynaAli]

I mean I spent 7k furnishing a whole house with brand new furniture, but it was when I finished school/internship/residency and was about to be making six figures and had been given 10k for moving expenses. I understand wanting to be comfortable but I do agree with WTF that there may be some room for compromising. Maybe buy yourself a comfortable bed and a nice desk chair or couch then maybe find used or cheap furniture for the rest to save money/pay the loan back faster? Seems like there could be middle ground…if you’re really concerned about having enough money for rent, splurging on a whole new house of furniture seems extravagant to me. But you do you… I’m glad you found an option you think works for you even if it isn’t what I would do.

 

[Abnerrs]

I need to take out a a personal loan to furnish my apartment for vet school/help pay for moving expenses.

Do you all have any you recommend? Should I try to get a student loan or just a regular personal loan?

If I take out a personal student loan, do I have to report those to the school and thus get approved for less federal loans for this year?

I’m going to talk to PNC today.

Holy guacamole just get furniture off Craigslist. This is not a smart financial move.

 

[Abnerrs]

Obviously a current credit card you already have is going to have a rate higher than 9%.

I’m talking about getting a new credit card with a very low intro APR (or even 0%) for the first six months to year. With a credit score that high you should be able to get one. Buy what you need, get your loans, pay it back. Why pay any interest at all?

Why buy expensive stuff? Seriously. It's not wise. Like, it's an actively BAD idea to spend money like this.

 

[flotus]

I mean I spent 7k furnishing a whole house with brand new furniture, but it was when I finished school/internship/residency and was about to be making six figures and had been given 10k for moving expenses. I understand wanting to be comfortable but I do agree with WTF that there may be some room for compromising. Maybe buy yourself a comfortable bed and a nice desk chair or couch then maybe find used or cheap furniture for the rest to save money/pay the loan back faster? Seems like there could be middle ground…if you’re really concerned about having enough money for rent, splurging on a whole new house of furniture seems extravagant to me. But you do you… I’m glad you found an option you think works for you even if it isn’t what I would do.

I swear I’m not buying all new furniture or even nice furniture lol! Literally the bed I want is $500, the desk is $100, etc. but once you start getting to a couch, washer/dryer, bedding, etc. it really does start to get pricey. Especially when I’m starting from scratch

I don’t think it will cost me 7k I really plan to keep it under 5k. Still, like I said, there are so many other things in my personal life (like 4k in lawyer & government fees :c ) that I will also probably use this for. I just said moving/furnishing an apartment because that is what makes the most sense on the forum + I will be using it for that first.

I’m not out here going out and purchasing a 3k couch or satin sheets. I just want to come home to a place that feels homey to me, especially if I’m paying dang near 2k a month to live there.

 

[MMLJT3]

Whether a personal loan is a good idea or not also highly depends on the interest rate, the terms, and amount you can get approved for i.e. what your credit score and credit history are. Most personal loans accumulate interest daily and few have intro rates - the average flat rate right now is about 9-10% if not more. A 0-4% (low) intro credit card is a much better idea 1) if you have good credit and 2) if you plan to pay it back off as soon as you get your fed $ (source - my SO is a loan sales specialist and does personal loans every day, I just posed him your situation a few min ago). Of course, how low the intro rate is depends on your credit score - do you know what it is?

And to be honest, 5-7 k for moving and furnishing an apartment is a LOT. Do you want to have that much, or do you NEED to have that much? Unless you are moving cross country and bringing a lot of furniture already (ie necessitating a moving company which yes, can be expensive) I think you need to temper expectations. You can get perfectly good used furniture for a fraction of that price and then slowly update as you go.

I would personally not choose a personal loan over trying to get a credit card with 0% interest for 12-18 months. There are so many out there to apply for. If you need physical cash, I think that’s where a personal loan would come in handy, but I would apply for a personal student loan- so you don’t have to make payments while enrolled in school- If you are must go the personal loan route.When I studied abroad at the beginning of the pandemic, I took out a private student loan… I hope to never do this again. Lol
The interest adds up like crazy and before you know it. It is at 9% too- the interest did not stop like it did with federal loans. I still had to make payments on it too. I have had a lot of success with no interest credit cards. I am very careful, but life is expensive. The security is really important to me too. I had planned to cancel one CC after I paid it off and got a notification that they would give me an interest rate of 0.01% for another 18 months- how can you beat that? So, I kept it. I would look into Discover student loads/ CC, and I would avoid Sallie Mae like the plague.

 

[flotus]

Anyways….I got the PNC loan for anyone who cares lmao. The payments aren’t coming out of my bank account.

5k for furniture I will use for the next 10 years is not a bad financial decision. The rest I will use for personal things. The loan will literally be paid off in less than 2 years I’m sure.

 

[twelvetigers]

9% interest

Is this more or less than student loans at this point? I haven't kept up, but mine started at 5.5% and made it up to 6.8% before I graduated, and damn that was about 10 years ago now. Hard to imagine the rates just continuing to go up but - yanno, that seems to be the trend for just about everything these days.

 

[flotus]

Is this more or less than student loans at this point? I haven't kept up, but mine started at 5.5% and made it up to 6.8% before I graduated, and damn that was about 10 years ago now. Hard to imagine the rates just continuing to go up but - yanno, that seems to be the trend for just about everything these days.

I think PLUS loans are like 7.5%

 

[WhtsThFrequency]

Anyways….I got the PNC loan for anyone who cares lmao. The payments aren’t coming out of my bank account.

5k for furniture I will use for the next 10 years is not a bad financial decision. The rest I will use for personal things. The loan will literally be paid off in less than 2 years I’m sure.

I mean….then why did you even ask here if you just planned to do it anyway? And you’re not going to be the one making payments on the loan? If that was the case it might have been easier for whenever is paying the loan for you to just buy you the furniture so they don’t have to also pay the interest lol.

 

[twelvetigers]

I think PLUS loans are like 7.5%

Interest like this on student loans is stupid. Especially considering they didn't go down at all over the last 4y. If the interest rate on my house is 3.5% and my car is like 2.9%, I know education isn't something that can be repossessed or foreclosed, but damn.

Just be sure to keep your credit good as you go though vet school - it can be hard battle to get loans for houses and stuff after you graduate and the dreaded debt-to-income ratio gets real. Paying this loan off properly will be important.

 

[flotus]

I mean….then why did you even ask here if you just planned to do it anyway? And you’re not going to be the one making payments on the loan? If that was the case it might have been easier for whenever is paying the loan for you to just buy you the furniture so they don’t have to also pay the interest lol.

because I’m a menace and I love to rile everyone up on this forum.

I’m kidding. In all seriousness, I had ZERO intention of getting a loan today.
However, the co-signer said they would make the payments and to consider it a grad gift. I don’t know if they have that kind of income at their disposal.

the reasons I posted here were
1) I wanted to know the answer to the student loan question which I got answered on another forum.
2) I thought someone might know which financial institutions were the best.

Btw.. I never asked if I should get a loan or not lol I stated that I was getting one…I just wanted opinions on what kind were best. So I was always going to do what I wanted

 

[WhtsThFrequency]

Nobody is riled. Just offering alternatives. Like if you came in here saying “I want to do this surgical procedure on this patient, what type of anesthesia is best?” And you had half a dozen people say “Well that specific surgical procedure might not be the best option, think about these surgical methods instead as they have better outcomes.” Even if that’s not what you asked, you would (hopefully) keep an open mind. Discussion forums are there to encourage conversation and alternatives.

But you do you. Just avoid Wells Fargo at all costs, if you want bank recommendations.

 

[Abnerrs]

because I’m a menace and I love to rile everyone up on this forum.

I’m kidding. In all seriousness, I had ZERO intention of getting a loan today.
However, the co-signer said they would make the payments and to consider it a grad gift. I don’t know if they have that kind of income at their disposal.

the reasons I posted here were
1) I wanted to know the answer to the student loan question which I got answered on another forum.
2) I thought someone might know which financial institutions were the best.

Btw.. I never asked if I should get a loan or not lol I stated that I was getting one…I just wanted opinions on what kind were best. So I was always going to do what I wanted

I just get very worried about people taking unnecessary loans only because I've been there. I didn't stress too much about it. But now I'm 300k in debt and that'll never go away. Try to keep your loans LOW if you can is my recommendation.

 

[flotus]

I just get very worried about people taking unnecessary loans only because I've been there. I didn't stress too much about it. But now I'm 300k in debt and that'll never go away. Try to keep your loans LOW if you can is my recommendation.

I really do understand and I do try to remain responsible financially, this loan will be paid off way before vet school is over!

And although partially in my name, should cause no financial burden (but I will likely offer to help pay back the loan especially in summer months when I’m working full time, because I feel bed accepting that large amount of money)

 

[Musicandhorses]

I’m not sure if it would help you but the summer I moved for vet school I asked my undergrad for extra loan money and was awarded a small amount for moving expenses etc. But I was still taking summer classes at the time. If you are in school still maybe ask your school for loan money.

I have also taken out a payday loan before and although they weren’t too shady, the interest was brutal and the payments were high. I’d opt for a student loan anyday if possible.

 

[Skimble]

I feel like you left out a big piece of information in your original post, but even if someone else is paying it, you should try to keep the dollar amount low.

1) taking on the financial responsibility for your fiancé’s citizenship is an absolutely horrendous idea. That should be on him especially considering you are a student! Assuming everything goes well, the debt will become communal, but you aren’t there yet. Yes, I’m jaded, I’ve seen too many marriages fail and people made horrible financial decisions before they even got married.

2) you can get couches and a lot of other furniture free or super low cost. Your vet school may even have fb pages for people to get rid of stuff. Those graduating and moving far away are often selling stuff super cheap or giving it away. There are even local fb pages for people giving stuff away. I regularly see couches and box springs (I understand wanting a new mattress). A year out of vet school I bought my first house and outside of my bedroom furniture I had almost nothing and I spent almost nothing furnishing my home. I got a couch, chair, love seat, kitchen table, chairs, and dishes all for free and I’m still using them 3 years later. I have zero shame and my home is comfortable, though maybe not pretty or Martha Stewart ready.

 

[flotus]

I feel like you left out a big piece of information in your original post, but even if someone else is paying it, you should try to keep the dollar amount low.

1) taking on the financial responsibility for your fiancé’s citizenship is an absolutely horrendous idea. That should be on him especially considering you are a student! Assuming everything goes well, the debt will become communal, but you aren’t there yet. Yes, I’m jaded, I’ve seen too many marriages fail and people made horrible financial decisions before they even got married.

2) you can get couches and a lot of other furniture free or super low cost. Your vet school may even have fb pages for people to get rid of stuff. Those graduating and moving far away are often selling stuff super cheap or giving it away. There are even local fb pages for people giving stuff away. I regularly see couches and box springs (I understand wanting a new mattress). A year out of vet school I bought my first house and outside of my bedroom furniture I had almost nothing and I spent almost nothing furnishing my home. I got a couch, chair, love seat, kitchen table, chairs, and dishes all for free and I’m still using them 3 years later. I have zero shame and my home is comfortable, though maybe not pretty or Martha Stewart ready.

My fiancée is a woman. She is also a student. I’m sorry - I appreciate your opinion but our finances are 100% combined and it isn’t just “me” taking on the responsibility and I do not appreciate that input. I didn’t put that in my original post because of comments like that.

 

[Abnerrs]

2) you can get couches and a lot of other furniture free or super low cost. Your vet school may even have fb pages for people to get rid of stuff. Those graduating and moving far away are often selling stuff super cheap or giving it away. There are even local fb pages for people giving stuff away. I regularly see couches and box springs (I understand wanting a new mattress). A year out of vet school I bought my first house and outside of my bedroom furniture I had almost nothing and I spent almost nothing furnishing my home. I got a couch, chair, love seat, kitchen table, chairs, and dishes all for free and I’m still using them 3 years later. I have zero shame and my home is comfortable, though maybe not pretty or Martha Stewart ready.

This is a great recommendation. A LOT of students don't want to move with their furniture so you can get some good stuff for cheap or free

 

[WhtsThFrequency]

My fiancée is a woman. She is also a student. I’m sorry - I appreciate your opinion but our finances are 100% combined and it isn’t just “me” taking on the responsibility and I do not appreciate that input. I didn’t put that in my original post because of comments like that.

Um. “Combining finances 100%” to someone you are not married to (i.e. have zero legal ties to - this is not a moral judgement, this is a legal one as you have no recourse or protection in the case of separation i.e. alimony and the like) is not a good idea. Especially someone who also has no source of income.

 

[flotus]

Um. “Combining finances 100%” to someone you are not married to (i.e. have zero legal ties to - this is not a moral judgement, this is a legal one as you have no recourse or protection) is not a good idea. Especially someone who also has no source of income.

Who said she has no source of income? We would be married if we could be married. She is just not a citizen which makes it illegal for her to have an income in the U.S. apart from her full ride scholarship which includes COL.

Gay couples couldn’t get married for years and functioned as a married unit, were their decisions unwise? We do the same now, not because of our sexuality, but because of our differences in nationality. Visa things. We would’ve been married years ago IF we could’ve.

My decision is wise. You know absolutely nothing about our relationship and to say just because we aren’t legally bound that our combining of finances is not wise, is just a poor judgement call…because you literally know nothing of our status as a couple or financial unit.

If you must know, she brings in more money through her scholarship than I make in a year.

 

[Skimble]

My fiancée is a woman. She is also a student. I’m sorry - I appreciate your opinion but our finances are 100% combined and it isn’t just “me” taking on the responsibility and I do not appreciate that input. I didn’t put that in my original post because of comments like that.

But you are 100% taking on the financial risk and I’m advising against that as I’ve seen that turn out poorly too many times.

Sorry for the gender mix up, I’m always confusing fiancé and fiancée. I’m not sorry about giving solid advice regarding your financial situation.

 

[Abnerrs]

But you are 100% taking on the financial risk and I’m advising against that as I’ve seen that turn out poorly too many times.

Sorry for the gender mix up, I’m always confusing fiancé and fiancée. I’m not sorry about giving solid advice regarding your financial situation.

THERE'S A DIFFERENCE BETWEEN THOSE??

 

[flotus]

But you are 100% taking on the financial risk and I’m advising against that as I’ve seen that turn out poorly too many times.

Sorry for the gender mix up, I’m always confusing fiancé and fiancée. I’m not sorry about giving solid advice regarding your financial situation.

Welp. We will hopefully will be getting married this summer as soon as her visa is squared away and starting citizenship process. It’s not like I’d be “paying for her citizenship” (at all) before we are married.

Like I said, we would’ve been married long ago if possible and so, we function as a married unit because the government sucks and it makes us feel better. Also, combining finances and living together etc etc expedites the process of citizenship because it shows the relationship is bonafide which international couples must prove while starting the citizenship process..

 

[puppydogtor]

@flotus just chiming in to say I've been told the things you're being told right now about sharing finances in a relationship and it's so frustrating when the people giving their opinions have no clue what your situation or relationship is like. I'm sure you're aware of the risks that come with sharing finances and do not need to be told them.

I also have semi-combined finances with my boyfriend. He pays for our rent and food. Anything else I need I pay for with my money. Yeah, if I was a crappy person and we broke up he could potentially lose money if I didn't pay him back for the rent/food, but I would never do that to him. The only reason we aren't married is because we need money for a wedding and time to plan it. He takes a "risk" by paying for me now, but this prevents me from taking out more loans and will benefit both of us since we will share finances once we are married. We've been together for years so I could never imagine us breaking up. If we did though, I know we would maturely handle things and figure out our finances. Only you know your situation and you don't have to defend or explain it to anyone

 

[WhtsThFrequency]

Sharing expenses such as rent, utilities, and food is different that combining 100% and paying for major, major things for the other person. Especially - and this is the key part - using part of a personal loan that your name and credit history are tied to, when you have little to no income and will be living off of loans, to do so. That’s all we are saying. It’s not an attack on the integrity of anyone’s relationship, it’s simply an honest overall risk assessment. But it’s y’all’s circus and y’all’s monkeys. Best of luck.

 

[battie]

The only reason we aren't married is because we need money for a wedding and time to plan it.

15/10 recommend eloping. Took 2 hours of our lives (should've been only one, but paperwork issues occurred) and $34 (because I bought multiple certified copies of the certificate when I though I would change my name). Graduated on Saturday, drove back home on Sunday, went to the county office on Monday. Boom. Married.

 

[puppydogtor]

15/10 recommend eloping. Took 2 hours of our lives (should've been only one, but paperwork issues occurred) and $34 (because I bought multiple certified copies of the certificate when I though I would change my name). Graduated on Saturday, drove back home on Sunday, went to the county office on Monday. Boom. Married.

I wish!! My bf really wants to have a wedding near our hometowns with our family/friends present. And he wants to get married asap. I am not fond of planning a wedding while I'm in school that'll take place across the country, so most likely we're going to have a small wedding out here and hope a good bit of family can make it. It's a compromise that took a lot of work to agree on so I think eloping is out of the question 😂

 

[katiemcat]

15/10 recommend eloping. Took 2 hours of our lives (should've been only one, but paperwork issues occurred) and $34 (because I bought multiple certified copies of the certificate when I though I would change my name). Graduated on Saturday, drove back home on Sunday, went to the county office on Monday. Boom. Married.

This is my plan 😎 Glad to see you have no regrets.

 

[battie]

This is my plan 😎 Glad to see you have no regrets.

I absolutely *love* weddings. But I couldn't justify the expense when I wanted to buy a house so I could have a baby 🤣

 

[EngrSC]

15/10 recommend eloping. Took 2 hours of our lives (should've been only one, but paperwork issues occurred) and $34 (because I bought multiple certified copies of the certificate when I though I would change my name). Graduated on Saturday, drove back home on Sunday, went to the county office on Monday. Boom. Married.

Also eloped to the courthouse for financial reasons. We were pretty poor at the time, so I participated in this insurance study and we used the $125 for our courthouse wedding
We had a modest wedding 3 years later when we were no longer poor. Glad we have the pictures and memories to look a back on!

 

[katiemcat]

I absolutely *love* weddings. But I couldn't justify the expense when I wanted to buy a house so I could have a baby 🤣

I also love weddings! But I can’t justify spending like $50k on a party. I will buy a pretty dress and have some friends there and that sounds great to me. I agree we are working towards buying a house for starting a family when I graduate and I would rather put money towards a down payment. Thanks for commenting! Again it’s very comforting that you feel like you made the right decision.

 

[katiemcat]

Also eloped to the courthouse for financial reasons. We were pretty poor at the time, so I participated in this insurance study and we used the $125 for our courthouse wedding
We had a modest wedding 3 years later when we were no longer poor. Glad we have the pictures and memories to look a back on!

Yess I love this!! Eloping gang! This is great to see its more common than I thought!

 

[Abnerrs]

Y'all I'm getting married in 3 weeks from tomorrow. As someone currently paying for a wedding, ****ING ELOPE FOR THE LOVE OF DOG

 

[SkiOtter]

One of my cousins recently eloped and then had a small backyard party with friends and family afterwards. Definitely a lot cheaper and she was happy with that decision.

 

[Minnerbelle]

I essentially eloped but just had a small gathering in my living room with the strangest ceremony. This and foregoing wedding bands and engagement rings and living like a student for 3 years in a cheap apartment allowed us to put down a full down payment for a house AND pay off my student loans within 5 years.

Current me thanks past me for this decision. Hubs and I have an amazing marriage still 5 years later. Never regretted not having a wedding.

 

[RespectTheChemistry]

@flotus, I wish you would reconsider about the furniture thing. I have gotten some beautiful things for free or very cheap in a college town because people didn't want to move them.

Estate sales can be an option, albeit one that costs money (but not near as much as buying new!). (Even though it sounds like you are already decided, I just wanted to put that out there in case anyone else is reading along wondering about furniture for vet school.)

 

[SkiOtter]

I have gotten some beautiful things for free or very cheap in a college town because people didn't want to move them.

Literally half of my house is furnished with things from my parents friends who were getting rid of something. I have a huge ass expensive excellent condition sectional, a barely used queen mattress, headboard, and bedding set for my guest room, a small desk for my craft room, a smaller chair, and an end table 😂
And then my guest nightstands are ones that my mom was getting rid of and ones a bit wobbly, but it’s fine because they were f r e e

 

[flotus]

@flotus, I wish you would reconsider about the furniture thing. I have gotten some beautiful things for free or very cheap in a college town because people didn't want to move them.

Estate sales can be an option, albeit one that costs money (but not near as much as buying new!). (Even though it sounds like you are already decided, I just wanted to put that out there in case anyone else is reading along wondering about furniture for vet school.)

I will be thrifting a ton!

 

[RespectTheChemistry]

I will be thrifting a ton!

Thrifting is fun too especially if you bring a friend who likes to shop! My grandma, my cousin and I like to go together and make a little girls outing of it!