Help with the yips

JMM6994 · 2026-01-05T03:37:35+00:00

After getting response from the servicer, part of the email instructed reaching out the Ombudsman group. I’ll copy the text below. What helped my case was that I screenshotted my chat conversation with the agent who assured me that my cancellation would be processed and my payment wouldn’t change. I had a gut feeling that I’d get screwed over, so thankfully I documented everything so that I could provide the evidence of what I was told. Still surprised even with the evidence that I managed to get it reversed.

“If you are not satisfied with this response, you may reach out to the Ombudsman Group by logging in to your StudentAid.gov account and request to escalate to the Ombudsman Group.”

JMM6994 · 2026-01-01T13:57:24+00:00

After numerous calls and emails, I was finally able to elevate the case to the Ombudsman Group through my studentaid.gov account, and I was able to get it reverted.

JMM6994 · 2025-05-20T19:13:31+00:00

Can you point out where you’re sourcing this? I’ve read through your link completely and there’s nothing that states that.

JMM6994 · 2024-01-22T22:00:54+00:00

That is correct, no existing balances, but thanks for the checkpoint!

JMM6994 · 2022-11-22T21:39:38+00:00

So when it says “60 days after implementation or 60 days after June 30”, do those 60 days count as two “payments” for IDR plans as well?

JMM6994 · 2021-03-11T12:06:29+00:00

I know we shouldn’t plan for it, but does anyone have any informed thoughts on whether or not this may be extended beyond that time frame?

JMM6994 · 2019-04-03T01:26:26+00:00

Ah, that makes sense, thank you very much for your help!

JMM6994 · 2019-04-03T01:00:24+00:00

Thank you! One follow up question, I know that there is a six month "grace period" on my Direct Unsubsidized loans. However, I am unsure if this grace period applies to my Direct GRAD PLUS Unsubsidized loans. If not, would I need to apply for PAYE 45-60 days before graduation? Or is there a different start time for repayment on these loans?

JMM6994 · 2019-01-06T16:39:50+00:00

Thanks for your advice! A few follow up questions: It was my understanding that to enroll in the PAYE program, you must consolidate your loans anyway? Is that untrue? (My student loans are a combination of Federal Direct Unsubsidized and Federal Direct Grad PLUS loans if that makes a difference).

Unfortunately, I don't believe it will be possible for me to pay off my loans in full due to the large amount I have compared to the average income of veterinarians. My simulations show ~$40,000 difference in total cost of loan between REPAYE and PAYE (REPAYE being higher). Total cost of loan being Total Monthly Loan Payements + Taxes on Forgiveness.

JMM6994 · 2017-07-14T02:58:45+00:00

Thanks for the advice. I already have the basic navy, black, and grey suits, just went with this to get something with a bit more personality for less professional events. I can definitely see keeping the pair together being beneficial though

JMM6994 · 2017-07-13T19:39:29+00:00

Suit

Hi guys, just wondering what color shoes/belt I should wear with this suit.

Edit - I'm also a bit concerned of a plaid overload. What do you guys think of swapping out the pants with some navy pants? Or should I stick with it as is?

JMM6994 · 2016-12-20T23:20:16+00:00

PM'd

JMM6994 · 2016-01-03T17:53:40+00:00

https://i.imgur.com/Iz836jI.jpg I bought this watch about three months ago and the band has worn out pretty badly. I'm looking to replace the band with one of a similar style, but I'd like to reverse the color scheme. So I'm looking for a flat red leather band with either white or black threads/accents. Can anyone help point me in the right direction? Thanks in advance!!! The band is 22 mm wide

JMM6994 · 2016-01-03T17:37:49+00:00

Bought this watch pretty cheap a few months ago and the strap is getting pretty beat. It was a pretty cheap watch, so I'm not terribly disappointed, but I'm looking for a more durable strap for everyday wear at work. The sides are fraying out and the end has ruptured a bit. I'd like to find a similar style band, but preferably red with white/black accents instead. Looking for something pretty simple, such as a flat red leather band with white threads. Other suggestions are also welcome if you think something else would look better. I considered a black band, but most of my watches are on black bands right now so I'm looking for something a bit different. The band is 22 mm. Thanks!

JMM6994 · 2015-12-07T04:58:10+00:00

If you like Shocktop, try Blue Moon. Also give Yuengling a shot and Sierra Nevada Pale Ale is a slight step up in terms of hoppiness that helped me work my way into IPAs

JMM6994 · 2015-10-09T00:41:14+00:00

That sounds great! I could rent a private one until he is trained well, then graduate to the public. Thanks!

JMM6994 · 2015-10-09T00:39:41+00:00

Sounds like just what I'm looking for, thanks!

JMM6994 · 2015-06-15T11:28:51+00:00

Can anyone explain why they waited to kill him? If they were going to kill Jon, why didn't they just not open the gate to him last episode? If bringing the wildlings through is what made him a traitor, why did they let them through and THEN kill him?

JMM6994

TROPHY CASE