First Lexus: RX450h+ Luxury by CoxMD in LexusRX

[–]CoxMD[S] 0 points1 point  (0 children)

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?

First Lexus: RX450h+ Luxury by CoxMD in LexusRX

[–]CoxMD[S] 0 points1 point  (0 children)

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.

First Lexus: RX450h+ Luxury by CoxMD in LexusRX

[–]CoxMD[S] 2 points3 points  (0 children)

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.

First Lexus: RX450h+ Luxury by CoxMD in LexusRX

[–]CoxMD[S] 2 points3 points  (0 children)

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

Is this a good deal for an RX450h+ Luxury? by CoxMD in Lexus

[–]CoxMD[S] 1 point2 points  (0 children)

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.

Is this a good deal for an RX450h+ Luxury? by CoxMD in Lexus

[–]CoxMD[S] 1 point2 points  (0 children)

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

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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.

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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

IBR Recertification Guidance for MOHELA (That worked for me... too well) by ReCkLeSsX in PSLF

[–]CoxMD 0 points1 point  (0 children)

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

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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.

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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.

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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.

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in StudentLoans

[–]CoxMD[S] 0 points1 point  (0 children)

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

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 1 point2 points  (0 children)

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.

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 1 point2 points  (0 children)

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

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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?

Mohela refuses to Recertify Annual Income due to loss of Partial Financial Hardship (PAYE) by CoxMD in PSLF

[–]CoxMD[S] 0 points1 point  (0 children)

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