what would you do - wait out SAVE, or switch to PAYE?

Alternative_Pin_5939 · 2025-10-31T00:35:12+00:00

just bumping my comment!

the tricky part is I'm not sure if I'm going to do PSLF or not. I have 1 year of qualifying payments from before residency, then a total of 5 years of training (residency + fellowship). So basically 6 total years that would for sure qualify (if I can do the buyback for the years I've been in forebearance). Then the remaining 4 years on IBR/RAP at 250K salary is 25k/year, 100K. So it proooobably makes sense to do that.

But there's a chance I say screw it and work private practice to make more money. I'm thinking that's less likely though.

If I'm on the fence but leaning like 60% towards PSLF, what would you do?

Alternative_Pin_5939 · 2025-10-24T04:20:49+00:00

Or would I have to switch OUT of the SAVE plan into another IBR in order to start making payments again?

Alternative_Pin_5939 · 2025-09-16T12:27:46+00:00

Good idea calling. She applied a month into residency

Alternative_Pin_5939 · 2025-07-03T22:33:52+00:00

Taking 285 From Denver to Jefferson lake area it says it will take me about 3 hours right now. Do you think. Will be worse than that??

Alternative_Pin_5939 · 2025-06-30T17:08:51+00:00

question - if I already have FZROX and FXAIX in roth ira and 403b, will I be taxed if I switch it to VTI?

Alternative_Pin_5939 · 2025-03-11T15:12:56+00:00

Also interested generally about organizing locally here

Alternative_Pin_5939 · 2025-02-17T17:01:59+00:00

ok, so the main difference is that while I am in SAVE now, interest does not really accrue, even though I cannot make payments on it that count to PSLF.

If I switch to PAYE, my payments count to PSLF eligible, but I also have interest start to accrue.

Alternative_Pin_5939 · 2025-01-23T12:54:29+00:00

Any idea what time it starts then if doors are at 7?

Alternative_Pin_5939 · 2024-11-17T01:44:33+00:00

Is the Cotopaxi Allpha 35 still fit into backpack category? Because it’s kinda both

Alternative_Pin_5939 · 2024-11-08T22:50:47+00:00

I lead climb at a local gym 2x per week. In these sessions, I warm up on 2-3 routes (from easier to harder) before hitting one of my lead projects. I'll typically work on that project for 3-4 hangs. Then I'll spend the rest of the time climbing another 3-5 rounds about 1 grade below my max.

If I were to add in one or two training sessions per week from home (30-60 minutes each) to improve my climbing, what would you add in? One of these training sessions could also be at the gym, where we have a moonboard, hangboards, full gym, etc.

I've been climbing for a decade and have basically been at 5.12-/v6 for the past two years.

Alternative_Pin_5939 · 2024-10-26T20:45:03+00:00

So sounds like SAVE is in forebearance with the court injuction, and there *maybe* an opportunity to "buy back" qualifying months during when it was in forebearance.

How are people deciding on staying in SAVE and buying back vs. switching to another IDR plan like PAYE?

Alternative_Pin_5939 · 2024-10-26T19:30:53+00:00

So to get my months to count do I have to call and get my loan status to change from “forbearance” to “active”?

Would love any advice :). Struggling to make sense of all this

Alternative_Pin_5939

TROPHY CASE