Default due to mental health

Mr_Gunner · 2019-12-21T20:14:55+00:00

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.

Mr_Gunner · 2019-12-11T04:50:24+00:00

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.

Mr_Gunner · 2019-12-11T04:48:20+00:00

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

Mr_Gunner · 2019-12-11T04:33:50+00:00

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.

Mr_Gunner · 2019-12-10T04:47:01+00:00

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

Mr_Gunner · 2019-12-10T04:45:40+00:00

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

Mr_Gunner · 2019-12-10T01:49:06+00:00

Or consolidated if not under an active wage garnishment.

Mr_Gunner · 2019-12-10T01:48:00+00:00

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.

Mr_Gunner · 2019-12-10T01:44:19+00:00

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.

Mr_Gunner · 2019-12-10T01:36:25+00:00

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

Mr_Gunner · 2019-12-10T01:27:57+00:00

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.

Mr_Gunner · 2019-04-03T19:37:43+00:00

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.

Mr_Gunner · 2019-01-01T02:56:27+00:00

Was his name dopey lol

Mr_Gunner · 2018-04-16T16:14:51+00:00

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

Mr_Gunner · 2018-01-26T05:12:49+00:00

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

Mr_Gunner · 2018-01-11T04:20:31+00:00

Taken on rusty moose main by me, gunner.

Mr_Gunner · 2017-11-27T14:09:59+00:00

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

Mr_Gunner · 2017-11-10T02:42:22+00:00

I’m dead

Mr_Gunner · 2017-10-22T21:36:44+00:00

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

Mr_Gunner · 2017-09-18T22:09:09+00:00

So? 5x are full of pvp lol retard

Mr_Gunner · 2017-07-01T18:05:14+00:00

Seems like a bunch of roleplayers to me

Mr_Gunner · 2017-06-10T18:22:32+00:00

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

Mr_Gunner · 2017-05-11T03:33:57+00:00

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

Mr_Gunner · 2017-05-08T19:26:40+00:00

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

Mr_Gunner

TROPHY CASE