update: loan failure

Alas, I've been rejected again by PNC, this time for both the reduced loan and for the credit card. I'm going to go visit OneMain Financial later today, but I don't have high hopes: I'm sure OneMain uses a similar method for calculating debt-to-income ratio. The fact of the matter is that I'm just not earning enough to cover a loan, which is one of the reasons why I'm looking to change jobs. What frustrates me is the paradox that you have to have money to obtain a loan. Does this strike anyone else as stupid?

Anyway, assuming OneMain doesn't come through for me, my only remaining option is to work illegally while in Seoul, otherwise I may not have the funds to get to DC from Seattle.


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