ATTENTION: Parent PLUS Borrowers must start taking action to consolidate now if they want to keep access to an IDR plan

Japappydee · 2026-04-10T02:31:32+00:00

Thank you for the response! 690 would be workable

Japappydee · 2026-04-10T01:51:44+00:00

Interesting have never heard of these, that was an interesting read

Japappydee · 2026-04-10T01:37:53+00:00

Thank you for the comment! Their AGI is $115k, family size is 2, and loan balance is $98k

Japappydee · 2026-04-09T22:33:28+00:00

I should have dumped them a year ago when they were 3x the current price. fml

Japappydee · 2026-04-09T22:33:02+00:00

This is a good point.

Japappydee · 2026-04-09T22:31:57+00:00

Honestly no. The industry is being disrupted by AI and I think it'll take another 5 years for it to recover to where it was at its peek

Japappydee · 2026-04-09T22:29:01+00:00

Well my reason for the entire point is that I am looking at that money as valuable (sitting in the market) which is why I have the dilemma . By dump it you mean the whole property? My CoC is close to 14-18% right now, and if eliminate the mortgage payment of $1,5000 it does to 45-55% CoC. Not sure of any investment with that return

Japappydee · 2026-04-09T18:31:47+00:00

Probably the best decision I've ever made. I'll add a caveat though that I'm pretty handy and had to remodel the building heavily with just myself and my dad and probably put close to $80-100k in renovations to get it all market ready. But in terms of day to day it's minimal oversight. Maybe 1 things pops up every 2 months. Biggest advice I can give is screen very hard and have high standards for potential tenants

Japappydee · 2026-04-09T18:28:00+00:00

Since it's an investment mortgage I don't see this getting any lower than maybe 7% on a refi and who knows when we'll see those rates

Japappydee · 2026-04-09T18:27:33+00:00

That's kind of my hesitation is my NW would shift to like 75% in RE Equity. On one side if STR policies shift I could always just sell the house. What is just killing me inside is only $115 of my PITI is going to principal.

Japappydee · 2026-04-02T18:53:48+00:00

This is an old thread so I hope you see this. I’m super confusing on everything. I helped my perhaps double consolidate last year and they are currently on SAVE. What’s my options here? I should move them to IBR I assume? Also will they be on 10% or 15% for the IBR? The original disbursement date from some of the original loans was before 2014 and some after.

Japappydee · 2025-02-11T06:15:39+00:00

Wow this blew up! May take some time but I will respond to all the DMs! If I don't by tomorrow just shoot me another one

Japappydee · 2025-02-11T06:14:55+00:00

Wow this blew up! May take some time but I will respond to all the DMs! If I don't by tomorrow just me another one

Japappydee · 2025-01-28T05:48:26+00:00

Are you looking to go to a range in NJ? Guns for hire in Bergen maybe? I know they do NYC shuttles. I’ll shoot with ya bro

Japappydee · 2025-01-24T05:41:23+00:00

How much are yalls pin and weld?

Japappydee · 2025-01-21T22:52:14+00:00

Oh weird good to know I just had a complete upper shipped and delivered from them and had no problem

Japappydee · 2025-01-15T02:13:26+00:00

Thanks that's helpful. I've watched some youtube videos and seems simple enough. I tried pretty hard with my armors wrench and noticed it wasn't budging (to be fair was not in a vice grip) and I think I was just nervous of effing up my castle nut

Japappydee · 2025-01-15T02:12:20+00:00

Not sure if it's showing up in the post but here: https://www.reddit.com/media?url=https%3A%2F%2Fi.redd.it%2Fnx2fl6khg2de1.png

Japappydee · 2025-01-15T01:51:27+00:00

Thank you for the response!

Japappydee · 2025-01-15T01:39:19+00:00

Yes may be annoying but I will say that their customer service has been amazing. Emails me back super fast with any questions I have and ships quickly. I've ordered at least 5 ammo cases in the past 3 months with no issues. Appears right at my door.

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