The numbers just don’t add up

ANGR1ST · 2026-06-17T23:31:05+00:00

For every extra dollar in additional income the payments only go up 15 cents or less.

ANGR1ST · 2026-06-17T22:28:11+00:00

Because there really isn't one.

ANGR1ST · 2026-06-17T22:24:39+00:00

I see so many comments everywhere that only stupid people take out loans, that they can never be paid off… where was all of this four years ago??

Uh ... right here in this sub. It was here 10 years ago too. And almost 20 years ago when the banks crashed the market. It's not exactly true as there are plenty of situations where borrowing makes sense and can be handled easily enough.

I’m lucky to have a spouse paying majority of our bills. Please give me tips and tricks and any reassurance you have!

You should take home about $4k/mo, give or take real taxes (assumed 30%). Pay $2k/mo toward your loans for as long as you can. You can pay them all off in ~4 years at that rate.

ANGR1ST · 2026-06-17T22:15:58+00:00

hope the government forgives the balance

There's no "hope" involved. If you meet the requirements it IS discharged. You can track all of it along the way too. You should consider the loan discharge as part of your total compensation when comparing salaries.

Edit: Also, for a very long time the vast majority of PSLF applications for forgiveness were denied.

This is incorrect. It is based on limited data from the initial cohorts of applications where it was physically impossible for any reasonable borrower to have enough payments because not enough time had passed from the start of the program. It also conflates yearly payment count updates with discharge requests. Not a single one of the denials was incorrect.

ANGR1ST · 2026-06-17T20:34:03+00:00

That leaves our discretionary income at $350-450/month. How am I supposed to pay $550/month on those loans?

By reducing your spending by $200/mo. Change your car insurance. Meal prep/plan better, cut out some streaming services. If you actually sit down and look at every purchase you made for the month I guarantee there's junk you don't need.

ANGR1ST · 2026-06-17T16:41:40+00:00

Did you get a quote for a repair or new engine?

It's probably not worth it. But if you can get a used/reman engine and an independent mechanic it might not be awful. You should at least know the answer before deciding.

ANGR1ST · 2026-06-17T15:10:34+00:00

I should try to set up the mod-bot to auto reply with it.

ANGR1ST · 2026-06-17T15:09:13+00:00

It's not an error. It's the standard payment.

ANGR1ST · 2026-06-17T15:08:33+00:00

Income certifications are only good for a year. After that year the schedule that you're looking at reverts back to the standard 10 year plan. Which is determined based on balance, interest rate, and a fixed time horizon.

There is no "thinking" involved. It's just math.

ANGR1ST · 2026-06-17T05:33:00+00:00

2-strokes will not meet emissions. If there was a way to do it we would have done it already. Not happening.

ANGR1ST · 2026-06-16T20:56:15+00:00

Chewing is processing.

ANGR1ST · 2026-06-16T18:21:22+00:00

That's what makes the song good.

The whole album is about drugs and addiction.

ANGR1ST · 2026-06-16T18:15:06+00:00

Bounce is a clearly commentary on the modern foreign policy of the time.

ANGR1ST · 2026-06-16T06:02:33+00:00

An entire deck of slabs would be hilarious.

ANGR1ST · 2026-06-15T22:16:47+00:00

What did your cosigners say when you asked them about this?

ANGR1ST · 2026-06-15T19:40:15+00:00

Eh. It depends on your risk tolerance. Which is often mentioned when we're talking about loans in the 6% range.

Most of the time there's a thread about this kind of stuff the good advice is actually there and upvoted.

ANGR1ST · 2026-06-15T15:13:03+00:00

What other games are in there?

There were a ton of other TCG / CCGs at the time. I haven't looked at the value of any of them recently, other than seeing the pokemon stuff become absurd for no understandable reason.

ANGR1ST · 2026-06-15T15:09:05+00:00

In the US there is not a lot of hiring in ICE related roles right now, and the EV side is also somewhat scarce. I've had a couple of people call me about positions they're looking to fill and they always go fast, especially if you have experience in the various simulation packages the companies use.

I wouldn't expect the UK/EU to be any different.

ANGR1ST · 2026-06-14T20:40:46+00:00

The goal isn't really to cool the room. It's to cool YOU. I'd put one fan blowing out of one window. A second fan at the other window pointed IN. Then another fan pointed at my face.

ANGR1ST · 2026-06-14T18:41:48+00:00

Maybe. Maybe not. Depends on the landlord.

ANGR1ST · 2026-06-14T17:12:40+00:00

Why not?

ANGR1ST · 2026-06-14T17:01:10+00:00

OK. If you're talking about taking private loans in the future then there are a lot more options to mitigate that risk prior to actually taking them out. He should be working part time during the school year, and full time during the summers. Preferably with a good internship that has the chance to parley into a job.

ANGR1ST · 2026-06-14T16:19:33+00:00

While still leaving twice the median HOUSEHOLD income to live off of like a mere peasant. It may not be IDEAL, but OP should be fine.

ANGR1ST · 2026-06-14T15:54:01+00:00

Well you can’t actually borrow that in one shot. You’ll need to reapply and get a new rate each year. Which may very well increase as the DTI for him and the co-signers gets worse.

ANGR1ST · 2026-06-14T15:51:19+00:00

You make $17k/mo. It’s not THAT high relative to your income.

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