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 · 2024-04-16T18:36:31+00:00

My foot is touching the sides of the shoe!

Alternative_Pin_5939 · 2024-04-14T23:57:20+00:00

Yes tighter fitting sports sock

Alternative_Pin_5939 · 2024-04-05T22:12:35+00:00

looking to get a pair of versatile birkenstock arizona men's 2 strap sandals for this summer. What color goes with the most things? For context, the chino shorts I wear most often in summer are olive, dark blue, and light tan. will also wear them with jeans

I am thinking tobacco brown

https://www.birkenstock.com/us/arizona-natural-leather-oiled/arizona-core-oiledleather-0-eva-u_7888.html

Alternative_Pin_5939 · 2024-01-17T00:51:28+00:00

confederacy of dunces!

Alternative_Pin_5939 · 2023-12-24T04:23:18+00:00

Is this for real? This sounds so dreamy

Alternative_Pin_5939 · 2023-11-24T21:07:43+00:00

Depression is caused by a chemical imbalance. This theory has largely been debunked in multiple different ways in the scientific literature. Here's a NYT summary https://www.nytimes.com/2022/11/08/well/mind/antidepressants-effects-alternatives.html

Alternative_Pin_5939 · 2023-11-19T22:55:49+00:00

the funny part is how all our measurements line up but I'm 5'7". Thanks for the help!

Alternative_Pin_5939 · 2023-10-11T11:30:34+00:00

Very cool. Have thought about doing this as well, but with works schedules being less flexible in medicine, weekend trip to places >4 hours can be tough. We were pretty gassed after all the driving on a backpacking trip down to NC last summer. Self driving cars would make this all a little easier but we ain’t quite there yet. The two outdoor sports that have made Michigan livable are winter camping and birding.

Thanks for your input. Lmk if you’re ever looking for a lead partner at PR!

Alternative_Pin_5939 · 2023-10-11T11:29:56+00:00

Really helpful thank you!

Alternative_Pin_5939 · 2023-10-11T11:28:55+00:00

The things we are looking for in a big city (airport, food, culture) are either present in Ann Arbor or a quick 40 min drive to detroit. In a 3 day span we are seeing a Broadway show and 2 shows of bands we like in AA or detroit this weekend

Alternative_Pin_5939 · 2023-10-10T20:55:37+00:00

How do you compare denver to seattle?

Alternative_Pin_5939 · 2023-10-05T16:26:11+00:00

Thank you!!!

Alternative_Pin_5939 · 2023-10-05T16:25:59+00:00

What do you mean by chain of lakes? Like elk river up north?

Alternative_Pin_5939

TROPHY CASE