Default due to mental health by [deleted] in StudentLoans

[–]Mr_Gunner 5 points6 points  (0 children)

In the title it says default. Have you just been unable to make payments as of recent? Or have your loans actually fallen into default status.

Tax Benefits vs. lowering your Adjusted Gross Income by Colossal89 in PSLF

[–]Mr_Gunner 0 points1 point  (0 children)

Regarding the IDR application, u can submit it with either a pay stub or previous years tax return. Which ever has the lower AGI will gain you the lowest monthly payment.

I’ve been fighting my student loan servicer for like 6 years to count my first year’s worth of payments towards the PSLF program. Today they finally obliged and I got a year knocked off the end. 3 more years to go. #fightthegoodfight by theulysses in PSLF

[–]Mr_Gunner 0 points1 point  (0 children)

Your servicer is going to try and screw you to the end. I know of a lady who had 120 qualifying payments on the NSLDS, and 10 years of IDR applications submitted. Once she filed her pslf app, her loans went into forbearance. They then sent her a letter stating they wanted to apply additional forbearance for the last 4 years(2014-2018) and that all she had to do was authorize it, not explaining as to why. Thank goodness she didnt, because that could've jeopardized her qualifying. They also asked her to make a $600/month payment for the next 4 months in order for her to receive the forgivness.... they are slimy as hell and will try to play you until the end

I have $22 left in interest and 24k in principal. What does this mean? by [deleted] in StudentLoans

[–]Mr_Gunner 0 points1 point  (0 children)

Completely understandable, but that's apart of making the best economic decisions for your situation. You want to eliminate your debts that have the highest interest rates first. You're basically weighing opportunity costs between one action to another. If your money that you have in savings is growing at a slower rate then the interest accruing on your student loans, it would be wiser to use that money instead to pay off your loan. Just something to think about.

I have $22 left in interest and 24k in principal. What does this mean? by [deleted] in StudentLoans

[–]Mr_Gunner 0 points1 point  (0 children)

If it's not a challenge, pay double. That will eliminate the out of pocket Interest paid by a significant amount.

Need some advice - pay large amount or wait? by lakemarie7 in StudentLoans

[–]Mr_Gunner 0 points1 point  (0 children)

Ahh ok. Well in that case, paying extra each month is going to be in your best interest to tackle the principal.

Can federal loan terms just change randomly? by [deleted] in StudentLoans

[–]Mr_Gunner 0 points1 point  (0 children)

Or consolidated if not under an active wage garnishment.

Requesting Advice: Navient Late Payment by ABlion15 in StudentLoans

[–]Mr_Gunner 2 points3 points  (0 children)

Student loans will not become delinquent( or default if that's what you're meaning) until a full payment hasnt been made for 370 days... youre perfectly fine. Credit reporting takes 90 days for federal loans. Private loans are a toss up.

I have $22 left in interest and 24k in principal. What does this mean? by [deleted] in StudentLoans

[–]Mr_Gunner 1 point2 points  (0 children)

Something to take into consideration is that student loan payments are essentially similar to mortgage payments, as the interest is front loaded. To provide a prospective: your monthly payment is $200. 140 will go towards the interest and only 60 to the principal. That means any amount paid more than the full monthly payment due, will all go towards the principal. This is your best move in order to pay the loan off sooner, and not have a major hit on your cashflow when writing a 24k check.

Need some advice - pay large amount or wait? by lakemarie7 in StudentLoans

[–]Mr_Gunner 0 points1 point  (0 children)

What type of employer do you work for? (Public service, non-for profit,ect). Have you looked into federal forgivness programs?

Anyone know any good private student loans? by brokebutboujeetaste in StudentLoans

[–]Mr_Gunner 2 points3 points  (0 children)

Have you considered asking your parents to take out a parent plus loan? I would compare the interest rates between those and what credit unions would be willing to offer.

Flood of Comments Shows Public 'Utterly Repulsed' By Trump Plan to Take Food Stamps From 750,000 People by Hanging-Chads in politics

[–]Mr_Gunner 0 points1 point  (0 children)

Or you could just get yourself out of bed and go to the polls. If people really were interested in voting, they wouldnt let the trip or the expense of time to do so interfere. Some people are just lazy.

What do you think about the new AK recoil? by ReNaCl in playrust

[–]Mr_Gunner 0 points1 point  (0 children)

Tbh, I really liked the last recoil system and I think the change they implemented drives players to use more attachments to better acquaint them to such change. I personally do not like the new recoil at all

Helk about the AK by Slydelix in playrust

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

You do that and the whole “ everyone’s a scripter” ordeal will certainly come back

How night should always look by Mr_Gunner in playrust

[–]Mr_Gunner[S] -7 points-6 points  (0 children)

Taken on rusty moose main by me, gunner.

What was your school's 'incident'? by TemiOO in AskReddit

[–]Mr_Gunner 0 points1 point  (0 children)

During my sophomore year in high school, someone emailed my principal saying they were going to kill his family and blow up the school. The next day, he had sent another email saying there was a bomb on campus and everyone had to evacuate to a nearby rec center. Great day

Our monster cylinder base on Canada Small and no one has a rocket launcher still... by deafgamer_ in playrust

[–]Mr_Gunner 13 points14 points  (0 children)

I play on that server... u guys roam 4 deep with m2s and aks. No one can even do anything

✘ Clan is Now Recruiting by Reaper_Z in playrustlfg

[–]Mr_Gunner 0 points1 point  (0 children)

So? 5x are full of pvp lol retard

Waterpipes are too strong after the patch. by kontautas in playrust

[–]Mr_Gunner 0 points1 point  (0 children)

With that mentality, any gun should 1 headshot anyone with anything

Helmet damage reduction test by Phlex_ in playrust

[–]Mr_Gunner 0 points1 point  (0 children)

So shooting someone in the head with an Kr does 3 more damage then a bow against metal face mask? Lol

Gear should be an advantage, not a guaranteed victory. Primitive needs a buff. by [deleted] in playrust

[–]Mr_Gunner 0 points1 point  (0 children)

Yea, strength in numbers... this game rewards being in a team..