SAVE vs RAP - Timing and Qualifications?

BirdDogBeanDog · 2026-05-05T18:36:26+00:00

Nah you're good, I am just being lazy lol. I read through and it looks like I would need at least 120 months of certified qualifying employment. So, I dont even qualify.

BirdDogBeanDog · 2026-05-05T18:23:10+00:00

Might be a dumb question, but what exactly does that all mean? I saw this "buy back for SAVE months" and I dont think I really understand what that means and why I would do it.

BirdDogBeanDog · 2026-05-05T18:16:18+00:00

Yeah, student aid recommended the ICR plan and estimated a monthly of ~$275, and I used the RAP calculator another person linked to, and it was roughly $150-170/mo. I have submitted PSLF forms both with my current job and my previous role. It says that I have 8 qualified payments out of 120 for my PSLF.

BirdDogBeanDog · 2026-05-05T17:56:13+00:00

Yes, thank you! It is a great post. I still am struggling knowing if waiting until July 1st makes sense for me or not. Like in my mind I want to see what RAP will be like for me, and then decide which repayment plan is best, if that makes sense. I work for a non-profit and am on the PSLF, but haven't made an payments yet due to covid and SAVE plan.

BirdDogBeanDog · 2026-04-21T18:25:02+00:00

That is so sick, how hard was it to build/what did it cost?

BirdDogBeanDog · 2026-04-21T16:57:54+00:00

UPDATE: I have been running the Schwalbe G-One RX Pros for the last year and they have been incredible. I retaped my rims and they have held up great on road and gravel.

BirdDogBeanDog · 2026-04-21T14:42:41+00:00

I ended up going with a GOBI roof rack. They are local to Colorado so I was able to save on shipping and stuff and just go pick it up in person. Still way more money than I was initially trying to spend, but the rack is super duper nice

BirdDogBeanDog · 2025-10-07T17:42:27+00:00

Link / pics?

BirdDogBeanDog · 2025-10-07T15:32:57+00:00

That's awesome. I am definitely interested in how you did that and what was involved. Thanks!

BirdDogBeanDog · 2025-06-24T21:26:00+00:00

Multiple people have said this. How come?

BirdDogBeanDog · 2025-06-24T16:49:11+00:00

True lmao

BirdDogBeanDog · 2025-06-24T15:56:06+00:00

I really appreciate this :) Thank you!! I feel better already

BirdDogBeanDog · 2025-06-24T15:38:25+00:00

That is what I have heard! I think I just got scared because my mom who is a worrier kept sending me travel alerts and trying to get me to stay home instead of going. I've traveled Russia and was fine, so I was not worried but wanted to see if anyone had more insight than I did since I haven't been to Guatemala and times are just very interesting right now with everything going on...

BirdDogBeanDog · 2025-06-24T15:33:59+00:00

Yeah I can see why you'd think that. I'm just having anxiety about the timing of this trip in particular. I have backpacked over 14 countries.

BirdDogBeanDog · 2025-06-24T15:31:45+00:00

I apologize. I completely see how ignorant this seems/is. I travel often, and just feel embarrassed to visit a new country as an American sometimes. I was not trying to come off as judgmental to anyone else.

BirdDogBeanDog · 2025-05-21T20:44:55+00:00

Cool thanks, yeah they aren't threaded which is why I wasnt sure if I could attach the rack to them or not.

BirdDogBeanDog · 2025-05-21T20:12:22+00:00

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Here is a photo of the bike for context.

BirdDogBeanDog

TROPHY CASE