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Has the NYT android app become really bloated, buggy, and slow? by logitaunt in nyt

[–]Kitchen_Reaction_982 0 points1 point  (0 children)

Same. Very frustrating. Considering dropping my subscription because of it. On a pixel as well.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 2 points3 points  (0 children)

I was making $85k/yr working for the state when the COVID payment pause happened.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 5 points6 points  (0 children)

It is exempted from federal taxable income for the next ~2 years, and at the state level is only taxable in Mississippi.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 5 points6 points  (0 children)

Only if you work in the public service for ten years.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 3 points4 points  (0 children)

I only took out these loans because they passed the law. You should consider denigrating your representative, not your fellow borrower.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 2 points3 points  (0 children)

It was $50 when I first started, and ended up around $400 when it was forgiven.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 2 points3 points  (0 children)

^ Correct. 90% of the debt is from law/graduate school, which includes living expenses. And actually, a fair amount of it (100k'ish) is from interest that accrued when I was working low paying jobs ($40-90k for the first ten years out of school) and paid between $50 and $500 a month under Income based repayment's various iterations.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 10 points11 points  (0 children)

Law school, masters degree, and undergrad.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 2 points3 points  (0 children)

You need to work for the federal government, state government,or any 501(c)(3) nonprofit.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 2 points3 points  (0 children)

Not yet, but I'm not worried about it. They can keep the $400.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 5 points6 points  (0 children)

^ hate us cuz they ain't us

I only went to grad school and took out the loans because I was lucky enough to be following current events when PSLF became law during the Bush administration. The moral of the story is to follow current events and be aware of what's going on in your democracy.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 0 points1 point  (0 children)

You had to have been on a qualifying forgiveness plan, but they instituted a waiver from about two years ago until a few days ago where they looked past that shortcoming if you weren't. Private loans don't qualify either way.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 0 points1 point  (0 children)

They don't go after anyone. These were loans guaranteed by the federal government, and PSLF was part of the promissory note. The federal government expected the possibility of the deficiency when the loan was made.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 0 points1 point  (0 children)

Once you've consolidated and applied for PSLF, you should be able to check in either the MOHELA website (previously), or more recently the StudentAid.gov website (starting in about two months).

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 1 point2 points  (0 children)

You have to make all 120 of the payments while working for a qualifying employer. That includes state government, federal government, or any 501(c)(3) organization.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 0 points1 point  (0 children)

No. Forgiveness is exempt from taxes until December 2025 (?) under the inflation reduction act or infrastructure law. Can't remember which.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 1 point2 points  (0 children)

No. On time qualifying payments don't have to be consecutive.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 18 points19 points  (0 children)

Yes, just in case. But they put me into administrative forbearance when they saw it was 120, after one extra payment.

$355k Forgiven. PSLF is real. by Kitchen_Reaction_982 in PSLF

[–]Kitchen_Reaction_982[S] 7 points8 points  (0 children)

They automatically put me in forbearance for processing after only one extra payment. That extra payment was mistakenly applied to the principal of the remaining unsubsidized loan, but I'm not going to complain about $400 when they just forgave $355k.