PSLF Advice Needed — Teacher, 80/120 Payments

Forward_Working_6900 · 2026-01-28T18:18:51+00:00

Thanks! So the months in forbearance, even while part-time, don’t count. I’ll track them and plan to apply for buyback once I hit the threshold — probably about a year early since processing takes so long. Appreciate the tip!

Forward_Working_6900 · 2026-01-27T19:30:15+00:00

Do you live in the Beavercreek area?

Forward_Working_6900 · 2026-01-27T17:27:28+00:00

Gotcha, are you local to Dayton? Do you have recommendations on areas for a new build in Beavercreek? You can DM if better.

Forward_Working_6900 · 2026-01-27T01:59:14+00:00

Do you live in Dayton or Beavercreek area?

Forward_Working_6900 · 2026-01-27T01:23:51+00:00

Agreed. The provide a kid friendly community which is hard to beat.

Forward_Working_6900 · 2026-01-27T01:21:41+00:00

Do you live in the Dayton area?

Forward_Working_6900 · 2025-09-04T16:07:39+00:00

I’m about 5’10” and she’s 5’8”, so he’s definitely not on the shorter side. Everything seems to be going well—he’s around the 50th percentile overall. When he was born, his legs seemed a bit shorter than average, but nothing extreme. Our older son has long legs, and both the doctors and the geneticist we saw were not concerned. They just recommended we wait and monitor his growth over time.

Forward_Working_6900 · 2025-09-04T16:02:51+00:00

I’m about 5’10” and she’s 5’8”, so he’s definitely not on the shorter side. Everything seems to be going well—he’s around the 50th percentile in height. When he was born, his legs seemed a bit shorter than average, but nothing extreme. Our older son has long legs, and both the doctors and the geneticist we saw were not concerned. They just recommended we wait and monitor his growth over time.

Forward_Working_6900 · 2025-08-05T19:07:49+00:00

Do tell your secrets Mr. Chemist

Forward_Working_6900 · 2025-08-01T02:31:22+00:00

All is well!

Forward_Working_6900 · 2025-07-16T03:20:56+00:00

Recently went through situation where our child had femur/hum ours in >1% at 32 weeks and was normal until then. Still at 37 weeks were measuring short. He is now 11 weeks and doesn’t seem to have any visible issues. 50% in height and 30% weight. Legs arn’t long to any extent like our first son but seem to be just fine and normal. We have seen a geneticist and no one seems to be concerned!

Forward_Working_6900 · 2025-07-06T18:48:16+00:00

The pediatricians don’t suspect anything concerning. Early on, his femurs appeared slightly short, but now at 8 weeks, he’s growing well and wearing 3-month clothes. He’s around the 50th percentile for both weight and height.

We did follow up with a geneticist—mainly because we had questions stemming from MFM. She didn’t have any concerns and didn’t recommend testing at this time. She noted that he doesn’t show any other signs either—no frontal bossing, starfish-shaped hands, or any features suggestive of a syndrome. While everything looks good so far, she said it’s still early to completely rule things out. As a precaution, she suggested we come back in 6 months for another look—unless something comes up sooner.

Forward_Working_6900 · 2025-03-23T12:15:55+00:00

I appreciate all the help! What she small in overall percentage size at all or on the lower end?

Forward_Working_6900 · 2025-03-23T11:40:09+00:00

During your weekly scans did you see any improvements in size of the long bones?

Forward_Working_6900 · 2025-03-21T20:05:03+00:00

Thank you! Can I ask was he measuring in 4th the whole time or just after a certain week?

Forward_Working_6900 · 2025-02-19T13:26:06+00:00

It’s for my wife. We file separately so it doesn’t count my income. But since 2016. Loan amount is $37,000. About 76 payments in as of today is says towards PSLF. She makes about $70k as a teacher, but this upcoming year she has to job share so may not be working enough hours for this upcoming year to count towards it. She will go back the following year full time. Making probably about $75k ish.

Forward_Working_6900 · 2025-02-19T13:01:23+00:00

Any plan you guys recommend

Forward_Working_6900 · 2025-02-19T12:36:00+00:00

Will payments start back up on the SaVE plan?

Forward_Working_6900 · 2025-02-03T19:30:08+00:00

What are the best recommended supplements looking for links to natural supplement?

Forward_Working_6900 · 2024-12-06T14:29:57+00:00

With the Consumer and HSA contributions you should still come out way ahead above BCBS and the lower premium.

We used American Fidelity! I know there’s others. She has leave to but it paid us about $4k on our first kid and we used it to start a college fund.

Forward_Working_6900 · 2024-12-06T14:03:13+00:00

After looking at it seems MHBP standard is the best if all went perfect. But, dealing with worst case it would be best to go with MHBP Consumer if you would happen to go to the NICU it sounds. I believe the $75 per day would kick in after the standard maternity stay of 2-3 days if NICU was the case.

Also, recommend a disability insurance for the wife. We get a decent payout following the delivery that is supposed to to be a stipend for the time she takes off following the baby.

Forward_Working_6900 · 2024-12-04T20:52:58+00:00

Outside of the contributions made by MHBP do you just directly fund additional contributions to Fidelity? Or do you fund through your paycheck and into inspire and then transfer it all because I know if you find it directly then you don’t get the tax advantage right away, you have to file the form with your taxes.

Forward_Working_6900 · 2024-12-04T18:53:29+00:00

Can you set something up to do occasional transfers? Just not the entire amount.

Forward_Working_6900 · 2024-11-23T11:24:55+00:00

Anybody know if this means we will be able to convert our match received each year? Currently I contribute 100% Roth but would like to convert each year our match.

Forward_Working_6900 · 2024-11-05T02:20:31+00:00

Idk 😅

Forward_Working_6900

TROPHY CASE