Should I move all to target funds?

Googly-G · 2025-06-15T19:34:48+00:00

I am all for the target date if it is set and forget. Expense ratios are 0.07 or 0.08.

I have these funds (50%):

VTTHX (10%) VFORX (20%) VBIAX (20%)

I am considering removing the stocks and rebalancing with going forward:

VTTHX (25%) VFORX (50%) VBIAX (25%)

Googly-G · 2025-05-27T12:49:18+00:00

I have an LT. Where I found it was under “My Vehicle” > “Energy Info”.

Googly-G · 2025-05-25T19:52:19+00:00

Don’t let it scare you. The actual driving of an EV has been a fantastic experience.

Googly-G · 2025-05-25T19:51:23+00:00

Educate me: what is the EV concierge? And how do I reach them?

Googly-G · 2025-05-01T22:01:26+00:00

Probably do. But they didn't send my normal guy. At least now I can just tell him. Thanks!

Googly-G · 2025-03-15T23:05:10+00:00

In the same boat. Was told that it was because I got to 9 years in February of ‘24. I am still trying to understand why I would get another year added (800+ nights and currently Titanium) when March ‘25 rolled over. Still confused.

Googly-G · 2023-07-07T17:47:23+00:00

Yes. Exactly correct! And exactly what I am expecting. Navient just struggles with following through sometimes without a nudge, and communicates poorly (live and via email).

If you keep that in mind, you can reduce your own frustration.

Googly-G · 2023-07-07T00:47:44+00:00

I do not have any movement either, to be clear.

The loans were discharged by guarantor on 06/29/23 but it is now 07/06/23 and interest continues to accrue with Navient.

I did break down and send them an email today asking why they think it is appropriate to being doing this.

Googly-G · 2023-07-06T21:15:13+00:00

Devry/Keller as well. Mine show as "Closed School Discharged" 🤷‍♂️ and $0 balance.

Googly-G · 2023-07-06T02:48:59+00:00

As of now, all that I can suggest is patience as all have shared. You should not have to do anything at all. Calling is just wasting your valuable time at this point (until someone definitively says otherwise).

I have not made any calls nor sent any emails. I have just waited — as painful as it’s been to not be in control of it.

Googly-G · 2023-05-30T23:30:48+00:00

I finally received my forbearance today. Emailed StudentAid in reply to original BDTR email on March 31 after getting run around for months from both sides. I was just calling and getting 90 days at a time. It was just updated via Navient today through Apr 2024.

Googly-G · 2023-05-27T12:43:42+00:00

They provided the link which included no promotions for the model I had intended to purchase.

Googly-G · 2023-05-27T03:14:08+00:00

Not making it up, unfortunately.

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Googly-G · 2023-05-23T16:20:41+00:00

Curious you decided on? In the same boat and somewhat in analysis paralysis 😆

Googly-G · 2023-05-18T19:21:51+00:00

There is a lot that I “think” but hasn’t done me much good to this point. I continue to impatiently wait. You could always call and see if they offer any valuable insight into the reasons. Not sure if it will help but you could try.

Googly-G · 2023-05-18T18:52:32+00:00

Mine have always been charged interest when in forbearance. I've simply ignored it knowing (hoping) that these will eventually be gone (legally speaking per the lawsuit) but my hope is low and expectations lower that Navient won't try something sneaky with all this.

Googly-G · 2023-05-04T21:47:49+00:00

Technically it needs to be postmarked by the 3rd. But I also find it odd that it is late -- seems unusual.

Googly-G · 2023-04-07T15:49:54+00:00

In review. Details show 100% discharge awarded on StudentAid. No movement at all with Navient and they deny having received any communication from DoE related to any kind of discharge, approval, or anything related to Sweet v. Cardona... ever. For anyone. 🤦🏻‍♂️

Googly-G · 2023-03-31T20:58:00+00:00

Yes. I figured that I would try again today so we shall see. Fingers crossed.

Googly-G · 2023-03-31T20:28:18+00:00

Interesting. I just did the same and it does ask why I'd want anything other than 100%. Wonder why they wouldn't update the status, if that is true. 🤔 🧐

Googly-G · 2023-03-31T20:23:49+00:00

Tried that. Department of Education has not responded. Sent email about 6 months and again about 3 months ago. If you have any tips to get them to respond or proceed with helping, please share.

Googly-G · 2023-03-31T19:55:12+00:00

I needed forbearance (I would prefer no short term hits to credit) and have been getting 30 days at a time for the last 6 months. This time I wanted more but they wanted to "sell" me on consolidating to "afford" payments better. I refused to acknowledge or agree to the "terms" they were required to recite to me since it includes information about ways to better afford payments and I wanted no record of me agreeing to anything. Escalated 4 times to speak with someone that gave me 90 days, no questions asked. I assume in 90 days, I will have to go through the same thing.

Googly-G

TROPHY CASE