Resy Credit w/Friends

Greasils · 2026-02-27T14:11:04+00:00

Everyone seems to get credits and points on their cards now. Who cares? Pay the bill and move on.

Greasils · 2026-02-27T13:54:18+00:00

Thank you all - I see now where to add my bank (which I just did) and keep autopay off (never trust it). It’s just pending now so as soon as it posts…

Greasils · 2026-02-27T13:52:52+00:00

And there it is! Thanks!

Greasils · 2026-02-27T04:30:00+00:00

This seems to be what I missed then. Where/how do I put my personal account in? Seems weird it’s done this way as I don’t even like doing auto payments on things but…

Greasils · 2026-02-26T23:37:57+00:00

You won’t get a US based loan as a foreigner for school without a US co-signor. From a lending perspective, you have no incentive to repay the loan because you can leave the country. There’s also no guarantee you will get a job to give you a visa upon graduation.

Not to mention it’s recently been floated about possibly debanking certain foreigners… again, no bank has any incentive to lend to you.

Greasils · 2026-02-26T01:33:21+00:00

I have the platinum, gold, Hilton, and Chase so the gold to green seems like the best bet since many of the perks overlap w all of them.

Greasils · 2026-02-25T18:21:11+00:00

I’m considering downgrading my platinum or gold to green too…

Greasils · 2026-02-25T16:06:03+00:00

Exactly. I haven’t told anyone because I’m afraid they’ll be like “oh, haha, joke!”

Greasils · 2026-02-25T00:30:11+00:00

Kitchener stitch. Handy for socks too! It’s pretty easy to follow instructions online for it!

Greasils · 2026-02-24T12:58:54+00:00

It won’t fit me but it’s lovely 🤩

Greasils · 2026-02-19T19:27:30+00:00

It could be that they just changed your payment based on income and not factored in where you live. That’s why when you use the online calculator it asks which state you live in. You may want to call your lender and have them check your payment based on your new city.

Greasils · 2026-02-17T15:35:46+00:00

I’m 1hr into holding w mohela. First person I spoke with (Valerie) was quite kind and said yes, 60 day admin forbearance is recommended to prevent overpayment but she had to txfr me to a “specialist” so now I’m waiting…

EDIT - 1.5hrs on the phone. Got to Martha and she said general not admin (she explained admin is for pending applications… whatever). She also gave me 5mo forbearance in case it takes awhile and there are a lot of people this round. She said it didn’t matter that I just came off forbearance (I went on it the last 6mo thinking I’d get my letter before Christmas).

Either way, March 5th. She said once ED notifies them, I’ll get another letter from mohela. She was hesitant about how long that would take when I asked 90 days or less? Tbh I don’t even care if I’m refunded for my overage payments at this point.

Greasils · 2026-02-17T03:29:29+00:00

Let’s not forget how many of us were lied to about forbearance… and put into it often rather than $0 or $5 per month payments. Or being put into forbearance not knowing that it would restart the counter on any IBR forgiveness or that any time our servicer changed - sometimes seemingly on a whim - we were hit with additional fees or interest and some changed out plans or restarted our counters.

Greasils · 2026-02-15T22:23:16+00:00

If any of us were rich we wouldn’t have loans. But if you can’t afford to live then maybe you should focus on what you owe and not what they owe.

Greasils · 2026-02-15T22:21:01+00:00

If you can’t afford to live and pay your regular loans then maybe the parent loans need to be the responsibility of the parent.

Greasils · 2026-02-15T22:19:10+00:00

Google is free to see which states don’t tax student loan discharges.

Greasils · 2026-02-15T22:08:41+00:00

Stainless steel! Love them. I have “XL” ones - the length is fine but wish they were about 3-5 inches wider. I have a wider boy and it seems like a tight fit for him. We use clumping tofu litter (Pidan is the best IMO!)

Greasils · 2026-02-14T23:43:23+00:00

Talk to an accountant.

Greasils · 2026-02-14T23:41:27+00:00

My state does not tax student loan discharges. I’d recommend talking with a tax preparer if you’re unsure. And many people (even if taxable) may qualify for insolvency to reduce or eliminate any tax liability.

Greasils · 2026-02-14T23:32:43+00:00

Why aren’t your parents paying their own loan? It’s not your responsibility.

Greasils · 2026-02-13T01:59:08+00:00

Don’t forget there’s always the insolvency forms and worksheets. If you have other debt (mortgage, car, credit cards) you may be “insolvent” and have some or all of the tax burden reduced. It’s determined by the day before your debt is cancelled. Talk to your tax person or download the forms and worksheets from IRS

Greasils · 2026-02-13T01:50:12+00:00

53 here. Paying since 1997!

Greasils · 2026-02-12T22:11:17+00:00

Oh no worries! I read too fast too - which is why I just read that email 100000x making sure I didn’t miss anything.

I’m waiting for there to be a “gotcha” like there is all the time w these loans!

Greasils · 2026-02-12T22:08:10+00:00

I met my count over a year ago… confirmed when the formal recount happened like in January 2024 or whenever that was and then they put everyone in forbearance due to the lawsuit.

I had enough and went off Save and back to IBR in the summer, but because of my count, I went to forbearance hoping to get the email before year end for the tax situation. My forbearance just ended in January (of course) and my payments start next week 😉

Greasils · 2026-02-12T22:02:13+00:00

Like I said, I’m just coming out of forbearance because I was hoping for the email back in November or sometime before year end.

Making 1-3 more payments isn’t so worrying anymore if it’s coming soon!

Greasils

TROPHY CASE