And yet, the drama continues...

Looks like we're not out of the woods yet.

I met with a loan officer about purchasing land the other day and she pointed out some red flags on Juice's credit report. Despite having a very high credit score (closing in on 800), she has a high debt to income ratio because of her student loans.

Leave it to Sallie Mae to fuck up our day. Jucie has something like 7 loans through Sallie Mae, and all of them are in deferrment, since she just fnished grad school. Because they're in deferrment, they show no payment due, but the loan application program knows that payments will eventually come due and therefore estimates 5% of the total as a monthly payment. Which works out to about $1000/month in Juice's case. Which is not at all what her actual payment will be.

So we're waiting. Waiting on a letter from Sallie Mae, and in the meantime, Juice also got denied a loan for a new vehicle from our credit union, and I'm beginning to wonder why we're members. We've never been able to get a decent loan with them, and the fact that they flat out denied her when her credit is stellar just puts another nail in the coffin.

We ended up doing a joint application through the credit union, but who knows how that will turn out, since I've got some pretty heavy duty credit card debt. We should know something later this morning.

So if we get denied on that, Juice can't get a new car, even though it wasn't her fault that her 4Runner burned to the ground in the first place.

This has NOT been a good week.