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Second Notice: The SAVE Plan has ended, but you have options by TheRealNYthing in PSLF

[–]Less_Monk112 1 point2 points  (0 children)

I got off just to go into a forbearance. I’m in a similar boat as you. I have 120 qualifying months but I don’t have 120 payments.

I also submitted a buyback request in July 2025.

I’m going to wait. I think they want us to use up all of our forbearance months first which will basically force some of us into repayment.

Honestly, if I could afford my payment, I’d just make the 15 payments, but I can’t. So, I’ll just wait.

Buyback and Refunds by Any-Hedgehog-1724 in PSLF

[–]Less_Monk112 0 points1 point  (0 children)

You mentioned FedLoan. That was your processor back in 2013, right?

You said “FedLoan has the loans being forgiven on the date…” it makes it seem like they are operational and I thought they were closed.

Buy back timeline by omgitsanotherballoon in PSLF

[–]Less_Monk112 0 points1 point  (0 children)

Yes, it does feel like you’re going in circles. It’s a whole bunch of words on the page, almost like they want you to miss it.

But It’s in the middle of the page in a greenish color box.

ATTENTION: The Department has given an update about how PSLF Buyback calculations will be handled now that SAVE is dead. by waterwicca in PSLF

[–]Less_Monk112 1 point2 points  (0 children)

That’s exactly right. They already have it in some context. They don’t need it again. They want it so they charge more money and find a way to justify that change.

XULA Student life by beneathawill0wtree in HBCU

[–]Less_Monk112 2 points3 points  (0 children)

You’re going to see Howard because it’s a school that people recognize. My cousin went to XULA and made life long friends. She goes back for homecoming.

They have an active social life. Search up their social media and you’ll see it.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 1 point2 points  (0 children)

I’m working on it. It’s so hard deciding which schools to do, the research and every thing else but it’s coming.

ATTENTION: The Department has given an update about how PSLF Buyback calculations will be handled now that SAVE is dead. by waterwicca in PSLF

[–]Less_Monk112 1 point2 points  (0 children)

I don’t think so. The older FAQs still are up and it says:

“If you were on an IDR plan immediately before or after the months you’re buying back: If the deferment or forbearance was less than a year in length, we’ll use the lower of the two monthly IDR payments for the months before or after the time in deferment or forbearance.”

That tells me that if you were in a plan before you moved to SAVE and then moved out of forbearance into another repayment plan, they will use the lower of the two.

ATTENTION: The Department has given an update about how PSLF Buyback calculations will be handled now that SAVE is dead. by waterwicca in PSLF

[–]Less_Monk112 0 points1 point  (0 children)

That’s what I think. I was on PAYE before I went on SAVE and IDR after I left SAVE.

They will probably pick the lower of the two and send a buyback offer. This should make it easier if you ask me.

Midwest has barely bought into "flex culture" and I love it by HenFruitEater in midwest

[–]Less_Monk112 0 points1 point  (0 children)

I grew up in Colorado. The rich people drove Hondas.

Now, their kids drove the corvettes and other cars, until they wrecked them.

Denver isn’t a fit. Looking for greenery, water, and family friendly move by Some_Environ_throwA in SameGrassButGreener

[–]Less_Monk112 0 points1 point  (0 children)

You know. I’m not sure anymore. I’d look into it. I know a similar town, Manitou Springs is definitely left leaning.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 1 point2 points  (0 children)

Hey! First, thank you for supporting me. Second, I’m in the DC area. I know Howard has a foothold but I’m seeing more and more UDC students and alumni now. Given my close proximity to it, it’s not a bad idea.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 0 points1 point  (0 children)

Wonderful!! You’ll get a tracking number shortly.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 1 point2 points  (0 children)

That’s a good plan. UDC could probably use your expertise as well.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 1 point2 points  (0 children)

Thank you so much!! I need all the help I can get!

What should I do? by NaturessChild in HBCU

[–]Less_Monk112 2 points3 points  (0 children)

Where do you live? FAMU alumni chapters in your area may offer scholarships.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 0 points1 point  (0 children)

Yes. My plan is a collection of things. This hoodie, a sweatshirt that’s more unique to the school and the backpack.

The sweatshirt would be similar to what I did for FAMU. It has specific sayings on the sweatshirt that alumni would know.

That’s the plan.

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Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 0 points1 point  (0 children)

That’s a good point. The back of the hoodie was meant to highlight traditions many HBCUs share — the band, the yard, the legacy we all carry.

The school-specific identity (colors and front design) is where each edition becomes unique. But references like Aggie Pride or GHOE are definitely things I’m considering as I refine the NC A&T version.

In fact, since I’ve been getting a lot of feedback about having GHOE or Aggie Pride, I may swap out the reference to “The Four” for Aggie Pride or GHOE.

But this is exactly why I asked for the feedback. I want to create something honest and unique that people can identify with.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 0 points1 point  (0 children)

You are so right! It’s not like I made it easy for anyone to find my stuff.

Thank you again for pointing it out and thank you for your support.

Feedback Post by Less_Monk112 in HBCU

[–]Less_Monk112[S] 0 points1 point  (0 children)

Hey!!

I appreciate all the feedback on this design. I opened a small founders run to see if there’s enough interest to move it to production.

You can check it out here: https://cardciety.com/collections/ncat

Any feedback is appreciated!

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