u/Any_Damage_4520

Had to re-do my post since I left out huge piece la detail, but here it is:

I’m currently attempting to buy a MUCH more fuel efficient vehicle (since I drive 100+ miles per day), and getting another vehicle would require a loan, and my current vehicle has a slight knock in the engine. The problem is that I semi-recently had trouble finding a job, so fell behind on private (non-federal) student loans and maxed out a $10,000 credit card.

Fast forward to now, I finally got a job (two months ago) as a union electrical apprentice, so now I’m getting $22.49/hour (raises every 800 hours) and 10 to 18 hours overtime - so I can easily afford payments again while paying down debt.

Any thoughts on my dad’s concerns about credit score dropping? He’s a general contractor in new home construction, so he doesn’t really wanna impact his credit too much. I always assumed it came right back a few months after being paid off?

Both 292 and 110 are 30 minutes from each other, but how hard is it to switch to one or the other as an 2nd month apprentice? Is it even a good idea to?

Only reason I ask is because 110 covers the part of the state I live in, so I’m assuming work possibly closer to where I live (Stillwater, MN), versus 292. Lowkey kinda worried that once this data center is done that I could maybe be offered jobs much farther away than what 110 might give.

I’m mostly just guessing though, based off of a map I saw showing what 110 vs 292 covers - work wise.