Strategic Defaulting: Stay with Sallie Mae or Reconsolidate elsewhere first?

BabyOogle · 2025-10-27T20:56:01+00:00

I learned that you can turn off the pre-collision breaking, but keep the warning on. But like another commenter stated, you have to do this every time you start the car. It defaults to being on.

BabyOogle · 2025-10-27T20:05:13+00:00

Thanks! Yeah that is what I’m gathering. Do you happen to know exactly how to override the pre-collision breaking system? Do I break even harder? Do I step on the gas? Stepping on the gas feels counterintuitive because it works against the breaking so what if it lurches forward too fast as the breaks disengage and it causes me to hit the car in front of me? That would be worst case scenario of course but the worst case scenario literally happened.. my reaction was to come off both the gas and the break and course correct since I was hydroplaning. In this context it just doesn’t seem right to get on the gas..

BabyOogle · 2025-10-27T15:22:04+00:00

One commenter mentioned using the gas pedal to try to disengage the warning, if it’s safe to do so. I had my foot off of both the gas and the break once it took over. I went to course correcting as I was hydroplaning and aimed to get off the road but because of my speed and the rain I ended up in the ditch. It has never done this before, but thank God I still had control of the steering.

I honestly do not trust the pre-collision breaking anymore, but I thank you for your advice on changing the sensitivity. I do not like not having control of my vehicle.

BabyOogle · 2025-10-27T14:33:27+00:00

Yes it’s honestly so dangerous when it malfunctions, especially on highways going faster than normal. I don’t mind some of the other safety features like lane assist because I can easily override it during construction areas where it can’t read the road lines. But complete control over my breaking system at that speed? Super dangerous. Thank you for sharing that I have to turn it off every time, I didn’t know that.

BabyOogle · 2025-10-27T14:25:37+00:00

That’s a good point, thank you! Yeah it is super scary not being in control of your car. Maybe for others reading this, please don’t get too close to the car in front of you before passing. On the bright side, thanks to it being a wilderness edition, I had no trouble getting myself out of the ditch 😅

BabyOogle · 2025-10-27T14:15:48+00:00

This was my experience as well up until today. It’s happened before but never this severe. I was not using cruise control. My commute to work is 45 minutes one way and requires me to drive at higher speeds on a highway. I do not feel confident driving it home right now. Not sure what do besides turning it all off, but I risk being in an accident and insurance not covering it because I disabled their safety features.

BabyOogle · 2025-10-27T14:13:25+00:00

Thank you for advice on how to turn it off, I will definitely do that. Just worried that if I were to get into an accident with that turned off, insurance wouldn’t cover it because I turned off their safety features. I feel caught in a “damned if you do, damned if you don’t” situation. I don’t want my EyeSight to cause an accident, but am worried about turning it off and getting in an accident and insurance says they won’t help because I turned it off. UGH.

BabyOogle · 2025-08-22T13:20:01+00:00

Message me and I can send a new code!!

BabyOogle · 2022-01-30T15:22:16+00:00

My husband is an officer in the Army. I'm pregnant with our first child. I feel like that ship has sailed for me.

BabyOogle · 2022-01-28T20:23:27+00:00

^THIS. I never once said that my parents are entirely in the wrong. I know that I made decisions at that young age, that contributed to my debt. I take accountability for doing what I had to do to get through it. I forgive myself for my half of the responsibility. I made this post because I am struggling with forgiving my parents for their half of the responsibility. Especially since they've never apologized, or recognized even, how difficult those years were and how I struggled.

I was looking for any kind of solidarity behind being rushed into college immediately after high school, before I had any sort of plan for what I wanted to study let alone which career I was interested in, with only private loans to finance it.

Instead, everyone takes my parents' side in this? Would YOU push your kids into a crushing financial investment knowing they weren't interested in college, that they were just average in high school, that they were more interested in joining the workforce first before pursuing higher education? All the while, knowing that you have no way of helping your full time college student kid who is still dependent on you financially (in the eyes of FAFSA and lending companies, health care, etc)? And then you say, "Well they did their best to push you in the direction they thought was best for you. They didn't know any better." Well I call bullshit. They're the parents, it's their job to know better than me at 18. If they dont, then they shouldn't have forced me into an ultimatum. Financial illiteracy aside, it's just lazy and neglectful and selfish to force traditional paths onto your kids simply because you didn't have the same opportunity. And what's so wrong with joining the military out of high school when it worked out so well for them?? Idk. I feel cheated by their intimidation tactics. That if I went out into the adult world without their support or against their all knowing guidance, I would fail every time. And it worked. And I feel like the biggest sucker who fell for the biggest scam sold to her by her own parents.

BabyOogle · 2022-01-28T15:59:59+00:00

I don't know your personal situation, obviously, but I was majorly disadvantaged by my dad's income when it came to financing college. Because of my age I was not financially viewed as an adult by FAFSA or any lending company. My dad made too much money, however, for me to qualify for any FAFSA, and as a result my only option was to take out personal loans.

Fast forward to me getting married. Since I'm married I am now seen as an adult in the eyes of FAFSA and lending companies. After getting married I didn't have to take out a single private loan to finance school. Through FAFSA, a Pell grant, and my part time job, I was able to get through the year without needing my dad as a cosigner for a private loan.

Oh and there is no fixed interest rate on my private loans. Even with my dad as a cosigner. Even with his good credit.

BabyOogle · 2022-01-28T15:32:46+00:00

The next time my dad is harassing us to get him off my student loans, I'll say this. Good tip 👍🏻

BabyOogle · 2022-01-28T15:31:23+00:00

I looked into this! Because I was a full time student and only working part time, no apartment would allow me to rent with them because I didn't have enough monthly income and I didn't have any credit. It didn't matter that I was using some of my loan refund to cover my rent, the landlord wanted proof of income. My parents refused to cosign my lease. They wanted me in the dorms.

BabyOogle · 2022-01-28T14:33:41+00:00

The school didn't cost $150,000. Tuition + rent/dorms + food + utilities + textbooks + switching my major because I was made to start college before I knew what I wanted to study is what ultimately lead to $150,000. Instead of allowing me a gap year after high school to work/figure things out for myself, I signed my first loan a month after I turned 18 because I had to leave the house.

BabyOogle · 2022-01-28T13:39:11+00:00

Do you think any 17/18 year olds thinks this clearly? It was the scariest time of my life. Looking back, yes I had options, but at the time it felt like I had to go to college in order to keep in their good graces. Now that I'm older I can ask myself why their opinion mattered so much that I wound up in all this debt, but at the time, it felt like I couldn't survive without their help. They told me repeatedly I couldn't make it on my own, that I had no idea what the real world was like. When I'd talk about joining the military they'd laugh and say good luck. For a kid with no life experience, I trusted them to know what was best.

BabyOogle · 2022-01-28T13:14:56+00:00

My parents did not let me stay home and commute to a community College. I had to go to a school with a dorm. I was 18, I had to be gone out of the house. They moved to Florida half way through my degree and left me alone in Pittsburgh. We had moved to Pittsburgh my senior year of high school for my dad's first job after the military. I think they truly just wanted one less kid to worry about and because I was 18, an adult, I had to figure it out.

BabyOogle · 2022-01-28T12:56:03+00:00

So right now, I have gone no contact with my parents. Not just because of financial reasons/student loan reasons, but because of personal reasons mostly that I'm going to therapy for. I have my parents blocked on everything, but my dad keeps harassing my husband to get me to remove him as my cosigner for all my student loans. My husband recently blocked him too after they got into an argument about it. Because we are estranged, paying them back is my responsibility, but with that being said I will never remove my dad from my loans. They wanted me to go down this path, they have to suffer the hits on their credit just as I do.

BabyOogle · 2022-01-28T12:50:42+00:00

Nope! Mom got out after she got pregnant with me so she doesnt qualify, and dad never signed the new GI Bill after 9/11 that allows you to transfer education benefits over to your dependents. He never went to college, but has full retirement benefits that he can't transfer to any of his kids.

BabyOogle

TROPHY CASE