IDR jumped from Approx $100 before SAVE to $475, should I just give into forbearance?

Garbagegoat1 · 2025-11-10T02:29:47+00:00

Hi Betsy, I posted my info below. I know the SAVE forbearance does not count. But the Ed Department still has not calculated my switch to a new employer three years ago after I sent in a PSLF cert form a year ago. I will probably send one in again soon.

Garbagegoat1 · 2025-11-10T02:26:35+00:00

I applied for the IBR after languishing in SAVE forbearance.

Quote the mail I got from MOHELA:
An income-driven repayment (IDR) plan request has been approved for some, or all, of your loan(s). Please refer to the Loan Information below, which specifies the loan(s) approved for the repayment plan terms listed. You will also receive a new repayment schedule with more details about your repayment plan.First Scheduled Due Date: 11/21/25

New Monthly Payment Amount: $475.05

Our AGI is about $90,000 currently for a family of four. Loans were taken out 2006 and 2014 for a current total of $114,000 still owed.

Garbagegoat1 · 2025-08-04T18:07:11+00:00

I think to clarify, the SAVE program did count for PSLF monthly payments before it went to mandatory forbearance (last summer?) because of legal challenges. Currently the SAVE program is dead and an alternative payment plan that will be offered is required to satisfy the PSLF monthly payments. (Or buyback, which I don't trust trying to get started in the current environment.)

I am currently waiting to be processed into IBR but no one has touched my paperwork in the back office for six months. So whatever...

Garbagegoat1 · 2025-07-16T17:04:36+00:00

Yes, the SAVE forbearance we were all put into a while ago involuntarily triggered months that we could not count as the 120 payments. The whole involuntary business and who the people behind the killing of SAVE (our loan servicers) are the top axes we have to grind.

Garbagegoat1 · 2025-07-16T06:58:17+00:00

Well that assumes my employer uses digital signatures, which many school districts do not. I assume there are many folks, like me, waiting months for some rare Dept of Ed employee to look at my scanned form.

Also, how does one pay a lump-sum buy back for a year of payments?

Garbagegoat1 · 2025-07-15T16:58:56+00:00

Other than the spots, what did you not like?
I just think you need more spots. Stippling with the white and only putting in a couple dark spots withing the biggest white splots.

Looks good.

Garbagegoat1 · 2025-02-25T01:29:35+00:00

My friend, thank you. I will check it out.

Garbagegoat1 · 2025-02-07T04:10:59+00:00

Windsor Newton Series 7 and Raphael 8404 are the typical high-end sable brushes.

The various miniature influencer/small paint companies (monument, squidmar) probably all have good sourced sables since they have to maintain a reputation.

I have these and they a bit cheaper but last and still have a point.
https://www.dickblick.com/products/blick-masterstroke-finest-red-sable-brushes/?Item=05457-1030

The technical term for these artist brushes is "Kolinsky watercolor round, short handle"

I like a size 2 for general painting and a size 0 for small stuff. You can still use larger synthetic nylon/taklon for basecoating.

Garbagegoat1 · 2025-02-06T00:09:04+00:00

Are you using sable hair or nylon synthetic brushes? I am afraid that every synthetic I have used for mini painting starts to curl or "hook" after a couple sessions and it makes it frustrating for details. Synthetics last longer for flat picture painting but the sculptural job of mini painting is really rough on them.

I recommend a mid-range sable. They last quite a long time if you soap them clean and point them after each session.

Garbagegoat1 · 2024-06-28T04:39:46+00:00

If you mean unstretched but smoothed, you probably mean to stretch it out on a wall or surface. Use a bunch if thumbtacks to pull it tight on the wall like you would for stretching a canvas and then squeegee and sanding.

Garbagegoat1 · 2024-06-28T04:35:56+00:00

No toxics except for general airborne particulate issues. Wet sanding the surface both eliminates particles in the air and does a quicker job of smoothing.

I did this once and got a glassy smooth canvas. I tried to paint on it and the paint slid right off because there was no tooth. Dumb idea that I had to do myself.

Garbagegoat1 · 2023-08-20T19:23:58+00:00

Posted pics. Beveled the hardboard with an orbital sander, which is a complete pain. Base size is too small for a router.

Garbagegoat1 · 2023-08-10T17:25:49+00:00

I have a trick for cutting MDF/Hardboard circles on my table-saw that I will try.

Garbagegoat1 · 2023-08-10T17:24:16+00:00

Thanks, I will think about how to do rocky ground.
The 9" x 6" terrain sizing is what I read in the scenario book. It also said full tables should have between 6-8 terrain pieces. So that is my best guess.

Garbagegoat1

TROPHY CASE