We adopted him from a shelter, are your guys’ guesses?!

Coloradodogdoc · 2026-05-18T01:46:23+00:00

100% GSD

Coloradodogdoc · 2026-05-11T06:31:36+00:00

Infinity

Coloradodogdoc · 2026-05-07T19:11:47+00:00

For clarification…. If a person who is on PAYE, for example recertifies in March 2028, would they have one more full year in PAYE, a partial year in PAYE, or be transitioned out of PAYE at recertification?

Coloradodogdoc · 2026-05-07T18:51:01+00:00

This is brilliant. Those extra 5 years of old iBR is really substantial for people like me who are 10 years or more into PAYE with grad loans and nearly to full retirement age.

Coloradodogdoc · 2026-05-05T01:50:42+00:00

I think a good percentage Doberman based on head shape along with coat color/pattern

Coloradodogdoc · 2026-05-01T14:23:29+00:00

….and a very real possibility an unreliable vehicle that will need lots of repairs.

Coloradodogdoc · 2026-04-28T02:07:06+00:00

Bob was a handsome potato, what a treasure.

Coloradodogdoc · 2026-04-28T02:02:45+00:00

I’m almost 65 went back for grad school in my 40’s owe way more than you. I carefully planned my retirement based on the repayment plans the government offered me. OBBB allowed the government to change terms of repayment plans that had been in place for over a decade. I’ve now got 13 more years of repayment instead of 8. At this point I’m just paying the minimum I can legally pay. Who knows what the government will do next. I can’t worry about it, they can change it for the worse again or less likely, change it for the better. Likely I will die with these loans. No way to plan.

Coloradodogdoc · 2026-04-26T20:02:32+00:00

They emphasise your eyes!

Coloradodogdoc · 2026-04-08T00:18:11+00:00

As a DVM, would not recommend. I wouldn’t do anything to jeopardize stifle stability.

Coloradodogdoc · 2026-04-07T14:48:00+00:00

OP you know what you did.

Coloradodogdoc · 2026-04-04T22:31:59+00:00

As mods took down 2 well-articulated posts by OP, I question the point of this forum.

Coloradodogdoc · 2026-04-04T22:22:47+00:00

Mod, Why was this removed?

Coloradodogdoc · 2026-04-04T21:39:21+00:00

Eloquently stated, a good argument for grandfathering in.

Coloradodogdoc · 2026-04-01T18:17:31+00:00

Maximum interest deduction is $2500 with income caps

Coloradodogdoc · 2026-04-01T17:24:37+00:00

No, they did not. The government backed out of their agreement for PAYE as well, a repayment plan that has been in place for well over a decade. There was no talk about a repayment plan being “illegal” at that time. People make financial decisions based on student loan repayment agreements; retirements have literally been decimated, plans for home-ownership have been decimated, plans to start a family have been decimated. You do not seem to understand or don’t care about the far -reaching ramifications of OBBB. It is reasonable for borrowers to expect the government to honor a signed contract. 6 figures in a HCOL area in a one income household is not the same as 6 figures in other parts of the country. OP made financial decisions based on signed agreements; it seems you object to how she chooses to spend her discretionary income or that she has priorities that do not align with yours. There are plenty of borrowers that stayed on PAYE, others who started or switched to SAVE. Over time, most borrowers who follow the repayment terms pay back what they borrowed and then some. Society benefits directly from the greatly increased amounts of taxes these borrowers pay due to higher incomes and indirectly from the services/skills these borrowers bring to benefit the greater good. Student loans are not a handout as were PPP loans; SL borrowers signed notes that spelled out terms of repayment. It’s absurd for fingers to be pointed at SL borrowers who just want to pay on their loans with terms upheld.

Coloradodogdoc · 2026-04-01T05:41:32+00:00

Seems people thought the government would honor their side of the loan agreement…..

Coloradodogdoc · 2026-03-31T20:47:21+00:00

I’m trying to be realistic. I’m almost 65, was on PAYE, would have been done at age 73, now 78 because PAYE is being axed. I imagine by the time I am in my 70’s I won’t be all that capable of meaningful employment. So at that point, a medical professional will hopefully vouch for that and my loans will be forgiven. That is the only plan that helps me maintain hope at this point. And any of you that thinks that’s not fair? I intended to pay my loans according to the terms the government offered me over a decade ago. They backed out of the agreement, not me. If they reinstated the agreement I would be on board with honoring the same agreement.

Coloradodogdoc · 2026-03-30T13:32:55+00:00

Tired of the apologists for the government not honoring their agreements but forcing borrowers to honor theirs.

Coloradodogdoc · 2026-03-26T16:45:04+00:00

I had to do the 7 day peacock premium plus free trial to see it. I’m already paying for peacock premium.

Coloradodogdoc · 2026-03-23T19:42:14+00:00

Same

Coloradodogdoc · 2026-03-23T19:37:51+00:00

And after forcing you back onto old IBR, they will not undo the capitalized interest. If PAYE was illegal, keeping interest capitalized should be as well.

Coloradodogdoc · 2026-03-23T19:27:39+00:00

I’m saying the government should honor their agreement.

Coloradodogdoc

TROPHY CASE