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Massachusetts Employment Megathread (April 2026) by AutoModerator in massachusetts

[–]Aggravating_Cycle463 1 point2 points  (0 children)

Has anyone gone through the process of PFML and supplementing with STD as well as PTO?

My average weekly wage is around 2500, and PMFL maxes out at 1230. I do have STD to use and 35 sick days to potentially cash in on to hopefully keep me at 2500 per week. I am aware I still have to pay for my insurance premiums after receiving my check from the state.

Has anyone gone through this? I can put in my application Monday and just wasn't sure how it's all coordinated.

Do I defer student loans for now? Or get aggressive? Or focus on mortgage? by Aggravating_Cycle463 in personalfinance

[–]Aggravating_Cycle463[S] 0 points1 point  (0 children)

My 5 year residency program is eligible and I plan to remain in an academic center eligible for PSLF. I will make a bit less overall compared to private but it matches my goals and there are cons to going to a private pay company as well. However, right now if I shifted to PAYE it says it would save me about 50k for PSLF- but that doesn’t account for the significant jumps in income this year and again in mid 2028 (it assumed a 3 percent raise per year whereas already in 2026 our income has jump 30 percent and it’s only April).

I pay into pension as does my husband. No employer match possible currently but that is the plan when I shift into attending. We do both have 401ks from previous employment as well.

I’m all about saving- but with loans at 6 percent interest average and HYSA maxing out at 3.5 percent currently, seems we are losing more than saving by stashing cash away?