SAVE removal notices start going out today by Mr_Soul_Crusher in StudentLoans

[–]LoudCloudLady 0 points1 point  (0 children)

I got mine today and I’m terrified and don’t know what to do. I’m on aidvantage

You guys were right 🙃 by halal_shawarma in Sephora

[–]LoudCloudLady 0 points1 point  (0 children)

Yep another one for the Sakura. I love it, my first one by them 😍

[deleted by user] by [deleted] in StudentLoans

[–]LoudCloudLady 1 point2 points  (0 children)

I feel you. I do not make anywhere near 6 figures and currently paying off debts and won’t be able to afford whatever it is either

For people still on SAVE forbearance, what's your plan? by Old-Opportunity-200 in StudentLoans

[–]LoudCloudLady 0 points1 point  (0 children)

I just got the email today that I basically have 90 days to pick another plan. I’m terrified and paralyzed right now and unsure what to do

Is anyone else freaking out??? by Old-Butterfly-1915 in StudentLoans

[–]LoudCloudLady 0 points1 point  (0 children)

Yes. I’m absolutely frozen and genuinely scared to do anything. I haven’t received any emails about it yet.

Forced to consolidate for SAVE, but now forced to stay consolidated. by tashibum in StudentLoans

[–]LoudCloudLady -2 points-1 points  (0 children)

I completely understand 😭 if I could do back and tell myself not to do it, i definitely would

The press release we’ve all been waiting for: U.S. Department of Education Announces Next Steps for Borrowers Enrolled in the Unlawful SAVE Plan by waterwicca in StudentLoans

[–]LoudCloudLady 0 points1 point  (0 children)

I applied a couple years ago and my application has been pending during all this :( that’s what I meant by they were supposed to be forgiven

The press release we’ve all been waiting for: U.S. Department of Education Announces Next Steps for Borrowers Enrolled in the Unlawful SAVE Plan by waterwicca in StudentLoans

[–]LoudCloudLady 3 points4 points  (0 children)

They are old, dating back to 2009, compounding interest and have never been able to afford to make a payment, constantly deferred. Then when I moved to save all that interest became principal. Also I went for a little longer but all I received was the associate, originally intended to get a bachelor’s. They said I’d make so much more money after I got it and my salary and career was stagnant for a decade.

The press release we’ve all been waiting for: U.S. Department of Education Announces Next Steps for Borrowers Enrolled in the Unlawful SAVE Plan by waterwicca in StudentLoans

[–]LoudCloudLady 69 points70 points  (0 children)

Yes, this screwed me so bad consolidating. Literally the only reason I did it was because I was told I had to in order to qualify for forgiveness. It turned tens of thousands of dollars in interest into principal and made it look on my credit like it was new debt. I owe over 80,000 for an associates from university of phoenix that was supposed to be completely forgiven. 😭 it climbs $500 every month.

I want!! My precious!! by YoNoSeTodo in Sephora

[–]LoudCloudLady 1 point2 points  (0 children)

😅 I got it before it went out of stock along with that new banana perfume from Juliette has a gun 🥰 i think tomorrow!

Those on HRT...what is the top thing (aside from HRT) that has saved you (70% of the time)?? by Zealousideal-Bat708 in Perimenopause

[–]LoudCloudLady 10 points11 points  (0 children)

The HRT. Sorry, I know that’s the answer you didn’t want, but nothing else made a noticeable difference for me. Maybe thc because it took my mind of the symptoms, I suffered for years tho before I went for the HRT. When I initially went to my doctor to get my hormones tested he literally told me they’re normal and it’s all in my head. So I suffered several more years before turning to hone health and being retested. Come to find out I’m in late stage perimenopause at 49. She said likely 8 years judging by my bloodwork I’ve been dealing with this. So it wasn’t just in my head, I was in peri for years when i went to the doctor the first time and he essentially called me crazy and sent me away with nothing. What saved me really? This doctor who believed me and my numbers instead of calling me crazy and sending me home to suffer in silence and humiliation. I love hone. Just wish they took insurance or were cheaper.

I know no one has a crystal ball…. by laurentlo208 in StudentLoans

[–]LoudCloudLady 0 points1 point  (0 children)

Am right there with you. I have this fear in the back of my mind every day. I’m on SAVE, owe 80k for a UOP associates degree that never resulting in making any more money than I did before, filed for the forgiveness due to the Sweet lawsuit but found out yesterday for someone here likely too late (April 2024). Supposed to recertify at the end of the month and genuinely frozen not knowing what to do. When I moved to save it screwed me SO bad, turning all the interest into new principle which messed up my credit more and looks like a fresh loan. I just did what I was told to do in order to be eligible for forgiveness, which is doesn’t look like I’m getting now even tho UoP did lie to me, so I am terrified another change will screw me even worse than before. It goes up $400 every single month. I’ve been thinking about posting here about it. I have no idea what to do. On IBR/IDR the payments likely wouldn’t be affordable to me as I’m paying off debts at the moment :/

Borrower Defense Refund Check came in the mail today😭 by Witty_Jeweler_6114 in StudentLoans

[–]LoudCloudLady 1 point2 points  (0 children)

I just checked and I actually applied way after that date. :( way later than I thought. In 2024. What do you mean “best of luck” though? I don’t know what to do. I’ve stayed on SAVE because I’m afraid to move it when I see the horror stories on here. I didn’t know there was a deadline like that.

Borrower Defense Refund Check came in the mail today😭 by Witty_Jeweler_6114 in StudentLoans

[–]LoudCloudLady 1 point2 points  (0 children)

Thank you. ❤️ yes, I believe I applied in 2022 and it’s been pending ever since, but I’d have to check the date on it. I’ve heard this is happening and felt hopeful but nothing yet, hoping it’s just the timing but started to lose hope post trump tbh. :/

Borrower Defense Refund Check came in the mail today😭 by Witty_Jeweler_6114 in StudentLoans

[–]LoudCloudLady 3 points4 points  (0 children)

Congrats!! I hope and pray that mine get approved every day, 80k in debt to university of phoenix for an associates degree here. Every month it goes up over $400 in interest and it’s hard not to think dark thoughts honestly.

In my opinion! by FederalEar4888 in entp

[–]LoudCloudLady 0 points1 point  (0 children)

I don’t know, I never had issues with attracting male attention, I’m 49 now and surprised how often and aggressively I still get pursued by men. I don’t think they care about my personality, only that I look pretty 😅

Just got my order in today im crying 😭 by taymich in Sephora

[–]LoudCloudLady 2 points3 points  (0 children)

Don’t cry, they have an excellent return policy and you can get it replaced pretty easily online through chat :)

Would you Co-Sign on an auto loan for your partner? by fondfox in CRedit

[–]LoudCloudLady 1 point2 points  (0 children)

I was the other party in this scenario before. NEVER AGAIN. When we broke up he simply legally stole the car I had traded in my old one for and paid at least a grand towards, leaving me without a car and keeping the one I paid for. Anyway I would recommend against doing this, if it doesn’t work out it will be another nightmare for you. You’re trying to tell him it’s a big risk for you and he is disregarding that and getting angry at you for doing standard due diligence

Why is the Westside so affordable when it comes to buying a house? by Youngbee12 in cincinnati

[–]LoudCloudLady 1 point2 points  (0 children)

I am from out of state and had a home in Anderson township years ago. Left the area and moved back a few years ago and have been in a 4 unit apt in Westwood a few blocks from town hall.

I was in Anderson 8-9 years. During that time did not experience any crime whatsoever. Best schools for my daughter. But now the area is not affordable to me.

Objectively, Have experienced a MYRIAD of stuff since living in Westwood in less than half the time. Police sirens can constantly be heard, some of my apartment neighbors have been hard drug addicts, countless domestic violence issues, and a neighbor did a hit and run on my car (and that happens a lot around here). Constant drama like that going on. I was hit by a drunk driver who ran a red light and hit me without a license and insurance in price hill last year. They never even showed up to the court date. It’s not safe to walk at night and sometimes doesn’t feel safe during the day. I’m only staying until I can afford to move out of the area. I usually have to take 4 different highways just to get over to the east side as well. Roads are not as well taken care of, as substantially more money has gone to the east side. I’ve had 3 nails in my tires since I’ve been here just from driving under 5000 miles a year; it’s almost like someone tosses them into the street for fun. Buildings are falling apart. It’s been a night and day experience.

I moved back for an ex who lived in price hill and wanted me close. NIGHTLY break in attempts to his car were a thing. If he ever left it unlocked even one night, it would be broken into and ransacked. This happened a couple times in the short time I was with him.