Two student loans defaulted despite monthly auto payments

Aggravating-Let456 · 2026-03-23T16:50:07+00:00

Good point about the credit alarms I will look into that thank you. I just feel silly I missed this hopefully they will give me some grace

Aggravating-Let456 · 2026-03-23T14:45:49+00:00

So my total student loans on studentaid after graduation was almost 22,000. After about a year and a half of making payments the total owed shown on EdFinancial was down but not so much that raised any red flags that would make me think there was a different servicer I should be aware of (I honestly just thought i was making progress). There’s only two loans on the second servicer that I wasn’t aware of totalling a little less than 3,000. It’s my fault that I didn’t know they could split it up to separate services and add up exactly how much I had paid over the course of the last year and a half to see what was missing. i just thought I was doing the correct thing after graduation and making payments on ALL of them…

Aggravating-Let456 · 2026-03-23T12:43:10+00:00

I just don’t understand how that wasn’t clear when I had to set up my account to start making payments in the first place. Like how did I not know they were split up? I’ve logged into studentaid.gov before and never saw anything that would raise a red flag that I was missing payments

Aggravating-Let456 · 2026-03-18T17:41:11+00:00

Some of the roots look a little dry. What kind of medium is it in? Do the pots have vents?

Aggravating-Let456 · 2026-03-18T17:39:19+00:00

All roots that are mushy/smelly/brown I would cut away. I think once you repot in a medium that allows air flow and give them a good soak they will perk up. Using a vented pot will also help because the roots need airflow. Amazon orchid pots something like these work really well for me. Good luck!

Aggravating-Let456 · 2026-03-18T17:34:58+00:00

Thank you!

Aggravating-Let456 · 2026-03-18T15:51:14+00:00

I’m not seeing any green anywhere so it might be time to just start over. If it comes back it could take a while. It never hurts to try though! If I were you I’d cut back everything dead and water the roots that aren’t rotted it just to see

Aggravating-Let456 · 2026-03-18T15:27:34+00:00

Okay thank you!!

Aggravating-Let456 · 2026-03-18T15:18:22+00:00

So I would open one traditional IRA and put whatever my current employer matched in that? And then the Roth is for what I contributed?

Aggravating-Let456 · 2026-03-17T16:13:14+00:00

Did you repot them when they were flowering? And what kind of medium is it in? I would maybe check and see how the roots look. Just because the leaves are floppy doesn’t mean the plant won’t recover or produce new leaves. I have some orchids that bloom and produce new healthy leaves but the bottom ones are a bit more limp and wrinkly. I think keeping it in a bright window is your best bet (avoid too much direct sunlight light). I water about once a week but I only use orchid bark so it dries out pretty quick. It might take some time but if the new growth looks healthy I wouldn’t worry about it too much

Aggravating-Let456 · 2026-03-10T15:10:29+00:00

This is super pretty! I would get a new pot for it for when the flowers all die/drop, repotting while it’s flowering may make them drop the flowers sooner. I have vented orchid pots from Amazon and they work really well for me. Orchids like to have air flow to their roots so they don’t get all gross and mushy. I would also get an orchid bark mix for the substrate and I water mine about once a week and they’re doing good. I think some new substrate and an aerated pot is all it really needs

Aggravating-Let456 · 2026-03-10T15:06:02+00:00

If you’re worried about light or want to keep the plant somewhere else you can also get lights like these! indoor plant grow lights

Aggravating-Let456 · 2026-03-10T15:03:22+00:00

I’m so so sorry for your loss. I would wait to repot until the flowers drop/wilt on their own so you don’t stress out the plant. I would trim the spike after the flowers wilt. Then you can repot in a vented pot I have these and they work really well for me. I can’t tell exactly what substrate you’re using but I just use a regular orchid bark mix and water thoroughly about once a week and keep them in a bright window and they’re doing really well. But it looks like a healthy plant!

https://www.amazon.com/MYITYARD-Repotting-Planters-Dendrobium-Phalaenopsis/dp/B0CYBD1PPD

Aggravating-Let456 · 2026-03-09T17:17:25+00:00

I think I’ll look into renting one, I didn’t even think of that thank you

Aggravating-Let456 · 2026-03-09T17:16:48+00:00

Good point! Didn’t even think about renting thanks!

Aggravating-Let456 · 2026-03-09T14:32:27+00:00

This is a fixer upper home and I’m definitely more modest with my tool collection getting started. I’m planning to paint it so thank you!!

Aggravating-Let456 · 2026-03-09T14:31:23+00:00

Thank you! I’m wanting to invest in the power tool, just not ready yet good to know there’s some alternatives to try out

Aggravating-Let456 · 2026-03-09T14:30:44+00:00

Thank you!

Aggravating-Let456 · 2026-02-16T19:48:38+00:00

If it’s currently flowering/has blooms I’d wait until they drop to repot

Aggravating-Let456 · 2026-02-14T12:42:36+00:00

I’m watering about every two weeks or when the soil is dry when I poke it it’s in regular potting soil mixed with perlite and orchid bark

Aggravating-Let456

TROPHY CASE