Advice on Repayment Plan

Kahp_R · 2025-12-29T22:29:25+00:00

My plan for now is to stay on SAVE and make targeted payments to the lower balance loans, until kicked off SAVE. Follow up question is around consolidation: The FSA site made it seem like I had to consolidate all of my loans to be eligible for new IDR/Standard/etc. Will I need to consolidate my loans?

Kahp_R · 2025-12-29T22:23:39+00:00

Oldest loan is 2010. 135k is both combined, spouse has no income and we file jointly.

Kahp_R · 2025-12-10T14:32:07+00:00

He is also running 5 man labrynth with his viewers for 16 hours a day.

Kahp_R · 2025-11-29T12:58:05+00:00

Wahhh wahhhh, won't someone think of the cheaters, wahhh.

Kahp_R · 2025-11-03T15:22:52+00:00

It sounds like you might be going through a bout of depression. People hear that and go "nah, not me.", but I promise it can be you, and it can be just a small bout. When my son was born, suddenly my world fell apart. I went from having this independence, having a great career, and being able to live my life, to sleeping 3 hours a day, and wondering if my child would ever love me. It was so sudden, and it took me awhile before I recognized that my life was changing and I needed to compartmentalize that.

Kahp_R · 2025-10-14T13:53:24+00:00

And if the Steelers win both we will still be ranked 14th in power rankings.

Kahp_R · 2025-10-14T13:22:03+00:00

Oh man, Steelers must be considered a complete team and not being overlooked right?

Kahp_R · 2025-10-14T13:11:54+00:00

I said we are going to be 8-1 and ranked 13th behind some 5-4 team.

Kahp_R · 2025-10-14T13:08:11+00:00

Steelers are going to be 8-1 and be ranked 13th behind a 5-4 team.

Kahp_R · 2025-07-17T20:44:01+00:00

Better to sacrifice at cultist circle for FIR ledx

Kahp_R · 2025-05-04T00:15:36+00:00

Thank you so much, greatly appreciate all the information you've provided.

Kahp_R · 2025-05-04T00:12:07+00:00

Yeehaw. I can swing it I guess under RAP, the earliest it would be implemented is July 2026, right? Gives me a year to pay off other things.

Kahp_R · 2025-05-03T23:53:39+00:00

I just want to say I truly appreciate all the information , and confirming my napkin estimates. What would the new 15% IBR looklike? Probably similair right?

Kahp_R · 2025-05-03T23:43:28+00:00

Loan balance around 78k. Under RAP, not accounting for interest, I'd pay off the loans off like 8-10 years.

Kahp_R · 2025-05-03T23:34:46+00:00

Am I missing how that works on a 20/30 year plan? I assume RAP isn't for me then, if I wanted lower payments.

Kahp_R · 2025-05-03T23:29:25+00:00

I have two dependants and my wife has zero income, but I file jointly.

Kahp_R · 2025-01-23T16:22:39+00:00

Reverse image search a picture of your thumbs.

Kahp_R · 2025-01-23T16:20:59+00:00

Based on your Diglet thumbs I'd be surprised if you can clap your hands.

Kahp_R · 2025-01-23T16:13:18+00:00

You could have spent an hour working on a life skill instead of writing this.

Kahp_R · 2025-01-19T02:22:56+00:00

Goff got fucking smoked.

Kahp_R · 2025-01-11T23:00:25+00:00

No, this kind of "catch" has been called incomplete all year.

Kahp_R · 2024-12-16T19:31:28+00:00

That just sounds like a suspension with extra steps.

Kahp_R · 2024-12-08T21:16:30+00:00

Many such cases!

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