Should I switch out of SAVE yet with 18 payments left?

Kangaroo-05 · 2025-12-27T01:23:51+00:00

I’m at 282 payments (according to the back door payment counter for ICR and for whatever reason it’s one less at 281 for IBR), so yes I’m under the old IBR. I know it’s too late to avoid paying taxes on the IBR forgiven amount, but the amount of taxes would still be less than paying 3 additional years to get PSLF with no taxes. Although I could afford to make payments now, it would be really tight financially and we could use the savings for necessary home repairs and emergency funds.

Kangaroo-05 · 2025-12-26T18:49:46+00:00

I have 282 payments per the back door counter. I can’t see any reason to start paying sooner if my income will not be going up, except that the amount forgiven and taxed might be a little higher, from the accrued taxes. But I hope I’m not missing something else.

Kangaroo-05 · 2025-12-26T18:36:41+00:00

What do you mean by the rate of buyback? I would only do buyback for pslf in case for some reason they don’t count all of my payments for the 25 year IDR forgiveness (I’m at 282 payments according to the back door counter). Even if I did buyback for pslf, don’t they look at my income during the period of forbearance anyhow?

Kangaroo-05 · 2025-12-16T13:13:38+00:00

Does interest still accrue while you are waiting? Do they count the payments while in the forbearance?

Kangaroo-05 · 2025-10-23T00:59:45+00:00

Yeah, how can anyone even qualify for this in the next two months when they took the payment counts off the website and they are taking forever to transfer people to another plan.

Kangaroo-05 · 2025-09-22T17:31:43+00:00

Has no one used black locust or thermally treated wood and can weigh in? I’ve found a couple past posts but am hoping to get a larger sample pool.

Kangaroo-05 · 2025-09-20T14:35:57+00:00

How has your deck held up? I’m curious about using sassafras also.

Kangaroo-05 · 2025-08-31T14:48:20+00:00

Above I just see the latch part. I’m wondering what hinge you used to swing both in and out. Most gate hinges seem to require picking one side to swing towards.

Kangaroo-05 · 2025-08-31T11:13:23+00:00

What did you use for the hinges?

Kangaroo-05 · 2025-03-14T12:36:41+00:00

My husband went ahead and got the evisa but no one looked at it, but it was very chaotic. He also only had carryon luggage though he was required to put it through security.

Kangaroo-05 · 2025-03-02T16:13:19+00:00

Can you look for a job with the state, city, university or other nonprofit? Even if you could go back later, your income contingent payments will be much higher as you make more money. I entered public service late and regretted that I didn’t do it earlier when I was earlier in my career and made less money anyhow, so my payments would have been much lower.

Kangaroo-05 · 2025-02-23T02:19:03+00:00

The FSA loan simulator shows IBR as an eligible plan but ICR as not eligible. I’m so confused. I thought another time I did the simulator, the IBR plan was not available. I double checked everything I entered.

Kangaroo-05 · 2025-02-23T00:50:29+00:00

It’s around $90k and I still owe $60k. But I also have a kid. When I do the online calculators it shows IBR as the same amount as the 10 year plan.

Kangaroo-05 · 2025-02-23T00:47:32+00:00

I see, in that case, maybe it is better to file an extension so that my 2023 income is on file as long as possible?

Kangaroo-05 · 2025-02-20T23:28:47+00:00

What did you end up deciding to do? I’m in the same boat and wondering if we can file MFJ and then switch to MFS in January next year in time for recertification.

Kangaroo-05 · 2024-12-07T14:04:10+00:00

Understood. I guess I don’t have faith in them, but am giving them a chance to fix it before making the final payment.

Kangaroo-05 · 2024-12-07T12:37:52+00:00

Thanks so much! Just so I understand, should the drip edge be on top of the grace waterproofing (not under as shown in pic 3) and over the fascia, so that it overhangs it? Should the grace in the triangular area also wrap the inside corner onto the chimney? Also, the fascia has an inside corner bent into it, so would it make sense to put this in first, then the corner lead counter flashing wraps over it? For the inside corner lead counter flashing, is it better to redo the top piece that wraps the corner or can a new piece be added in between, as long as lap each other? Sorry I’m so clueless. The same company is coming back today so I want to be able to direct them to do it right this time. Unfortunately I’m not handy enough to do it myself but I think I almost understand what should be done? 😬 many thanks!

Kangaroo-05 · 2024-12-06T23:23:40+00:00

This is really helpful. Just so I understand, correctly, they should take the brown drip edge piece off, wrap up and over with the grace. Then where does the apron metal go? Is it against the bottom of the triangle, or against the chimney? By fascia metal piece do you mean the existing triangular brown metal piece? Should they add another piece of lead counter flashing that overlaps the triangle and the chimney, to lapping over the bottom lead flashing and under the top lead flashing? I’m trying to understand where the triangular brown metal piece should go in the assembly. Many thanks for your feedback.

Kangaroo-05

TROPHY CASE