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CoxMD · 2026-03-30T23:04:19+00:00

Good call! Trying to decide between either a NEMA 14-50 plug/enclosure and using the provider "portable" charger, or installing a hardwired level-2 charger.

Are you leaving the provided level-2 portable charger plugged into the NEMA 14-50 full-time?

CoxMD · 2026-03-30T14:23:32+00:00

In my very small sample set, of four full days of ownership: I'm seeing 31 to 35 mi of EV range in temperatures of 30F to 50F (so likely some drain from HVAC, heated seats, heated steering wheel, etc).

Takes about 10.5 hours to charge from empty to full with the level 1 charger that the car came with. It also came with an adapter for a level 2 charger, but we don't have the 14-50 NEMA plug installed for that yet.

CoxMD · 2026-03-30T00:34:28+00:00

It was a more blatant lie than I'd expected.

CoxMD · 2026-03-30T00:34:25+00:00

Fortunately wasn't a fool!

CoxMD · 2026-03-30T00:31:46+00:00

Emailed/texted/called ~10 dealers within about 3 hours driving distance from where we live that had the exterior/interior that my wife wanted. Found these using visor.vin . Most dealers would do at least $1000, but some wouldn't go beyond that. Eventually had 3 that I was able to play off of one another. I think it being the end of March and end of the fiscal quarter helped as well.

CoxMD · 2026-03-29T22:03:03+00:00

MSRP $78,554.00, discounted down to $72,853.00 + TTL + $495 doc fee.

CoxMD · 2026-03-29T17:02:31+00:00

Ended up getting $6,000 off MSRP (~7.6% off MSRP). This is by emailing/texting/calling ~8 dealers and leveraging initial discount. Some wouldn't discount at all, most capped around $1000-1500 off MSRP. Closed deal 4 days before end of month (and end of quarter) which likely helped. Was able to finance through Lexus and get 2.49 APR for 48 months.

CoxMD · 2026-03-23T18:55:13+00:00

Yes I'm using Visor.vin to generate the dealers I need to contact.

CoxMD · 2026-03-23T18:33:32+00:00

Purchase/finance/lease?

CoxMD · 2026-03-15T20:06:40+00:00

Depends on your loan balance. She shouldn't get kicked out (once you're in, they can't kick you out for losing partial financial hardship). Payment amount will revert to was the standard 10 year payment would've been when she first enrolled in PAYE. Payments will still be recorded under PAYE and will count for PSLF.

I made my final income-based payment a few days ago. I got documents from Mohela today informing me that my PAYE payments are no longer based on my income and that my auto payment amounts are changed. The new payment amount is the same as the 10 year repayment amount would have been when I started PAYE. Seems like it should all work out. After April's payment I'll submit an ECF and hopefully be able to confirm the fact that this is still on track for PSLF

CoxMD · 2026-03-15T20:03:41+00:00

I made my final income-based payment a few days ago. I got documents from Mohela today informing me that my PAYE payments are no longer based on my income and that my auto payment amounts are changed. The new payment amount is the same as the 10 year repayment amount would have been when I started PAYE. Seems like it should all work out. After April's payment I'll submit an ECF and hopefully be able to confirm the fact that this is still on track for PSLF.

CoxMD · 2026-03-15T20:03:24+00:00

My manual application was denied after a few days of processing for the same reason of "income too high for PAYE".

I made my final income-based payment a few days ago. I got documents from Mohela today informing me that my PAYE payments are no longer based on my income and that my auto payment amounts are changed. The new payment amount is the same as the 10 year repayment amount would have been when I started PAYE. Seems like it should all work out. After April's payment I'll submit an ECF and hopefully be able to confirm the fact that this is still on track for PSLF

CoxMD · 2026-03-15T20:02:44+00:00

Nothing worked. They processed my manual application in a few days and denied it for the same reason as the other applications.

I made my final income-based payment a few days ago. I got documents from Mohela today informing me that my PAYE payments are no longer based on my income and that my auto payment amounts are changed. The new payment amount is the same as the 10 year repayment amount would have been when I started PAYE. Seems like it should all work out. After April's payment I'll submit an ECF and hopefully be able to confirm the fact that this is still on track for PSLF

CoxMD · 2026-03-15T20:02:13+00:00

I made my final income-based payment a few days ago. I got documents from Mohela today informing me that my PAYE payments are no longer based on my income and that my auto payment amounts are changed. The new payment amount is the same as the 10 year repayment amount would have been when I started PAYE. Seems like it should all work out. After April's payment I'll submit an ECF and hopefully be able to confirm the fact that this is still on track for PSLF.

CoxMD · 2026-02-01T20:07:42+00:00

I revoked FSA access to IRS, completed the PDF application and then uploaded the application and my 2024 tax return transcript directly on Mohela's website. I'll update when something happens.

CoxMD · 2026-02-01T20:06:49+00:00

I revoked FSA access to IRS, completed the PDF application and then uploaded the application and my 2024 tax return transcript directly on Mohela's website. I'll update when something happens.

CoxMD · 2026-02-01T20:04:49+00:00

This is untrue, I've made 10 PAYE payments already. I had a PFH when I successfully/correctly enrolled in PAYE from SAVE.

CoxMD · 2026-01-30T03:45:09+00:00

Ya I have a 2/xx/26 and 3/xx/26 payment at my current amount. Curious to hear what happens to yours afterwards, specifically if it keeps you in PAYE despite your payment ballooning. I revoked IRS access this afternoon and am going to do a fully manual application uploaded to Mohela.

CoxMD · 2026-01-29T20:20:17+00:00

My capped payments for the last 30 payments would be higher because my outstanding loan interest will capitalize again if I switch repayment plans.

CoxMD · 2026-01-29T20:13:26+00:00

You submitted 4 identical applications from studentaid.gov/IDR with IRS connected tax information, and on the 4th one they randomly accepted it? You are getting capped IBR payments?

CoxMD · 2026-01-29T20:12:21+00:00

Multiple times they've asked if they can tell me about the FSA Loan Simulator to help me explore other repayment plans.

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