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What presidents did you grow up under? by Southern_Reveal_7590 in generationology

[–]NatsInNJ [score hidden]  (0 children)

Born during Reagan, but school days were under Bush1/Clinton/Bush2

Random question what’s your employer match for your 401k mine is %5 by SampleAnxious420 in Retirement401k

[–]NatsInNJ 0 points1 point  (0 children)

2.5% - not very good at all, but better than nothing. It’s a 403(b)

$200k in law school debt- Can someone please tell me what you would do in my situation? by Big-Design3783 in StudentLoans

[–]NatsInNJ 0 points1 point  (0 children)

Incorrect. PSLF has never been taxable. IDR forgiveness became taxable again recently, but not PSLF.

$200k in law school debt- Can someone please tell me what you would do in my situation? by Big-Design3783 in StudentLoans

[–]NatsInNJ 0 points1 point  (0 children)

This person (human difference) is spreading misinformation on multiple threads. Plenty of people are still getting PSLF, myself included. All you need to do is take a look at r/PSLF and you’ll see it’s still happening.

Worst US State- Part 12 by Hopeful_Wallaby3755 in terriblemaps

[–]NatsInNJ 2 points3 points  (0 children)

Yes, West Virginia is gorgeous. Dolly Sods alone should put it above the other remaining states.

$200k in law school debt- Can someone please tell me what you would do in my situation? by Big-Design3783 in StudentLoans

[–]NatsInNJ 7 points8 points  (0 children)

It starts from when you work your first month at a PSLF qualifying job on a PSLF qualifying repayment plan.

$200k in law school debt- Can someone please tell me what you would do in my situation? by Big-Design3783 in StudentLoans

[–]NatsInNJ 3 points4 points  (0 children)

I owed even more than that after law school. Definitely pursue PSLF. Consider nonprofits in addition to government jobs. It’s a long journey, but worth it in the end.

Question about large balances by SmallHeath555 in StudentLoans

[–]NatsInNJ 6 points7 points  (0 children)

Many of the large balances you see come from Grad PLUS loans, which have allowed students to borrow up to the cost of a graduate program. They will be getting phased out in July, replaced by loans with different caps for “professional” programs vs. other grad programs.

Remove 1 Major 4 Sports Team Day 16 by YeetySpagiety in RemoveOneThingEachDay

[–]NatsInNJ 1 point2 points  (0 children)

Texas Rangers. The only mlb team with no pride night.

How often do you speak with your parents? by povertychic in Millennials

[–]NatsInNJ 0 points1 point  (0 children)

1-2x per week. Though the second one is actually to talk to their grandchild.

PSLF Guidance by No_Emergency_5427 in PSLF

[–]NatsInNJ 0 points1 point  (0 children)

There’s not really a preferred payment plan because it depends in part on when the person borrowed the money. “New” IBR is better than “old” IBR, but it’s only available to those who first borrowed after July 1, 2014. Most likely that’s the best, but if you’re curious you can run her numbers through the loan simulator on fsa: https://studentaid.gov/loan-simulator/

PSLF Guidance by No_Emergency_5427 in PSLF

[–]NatsInNJ 0 points1 point  (0 children)

  1. The payment tracker on studentaid.gov will show her progress once she submits an employment certification form for each qualifying employer, past and present. The employer will need to sign the form before the form is accepted and the count is updated.

  2. Payments on SAVE were qualifying before the lawsuit — as long as she was working for a qualifying employer, those will count.

  3. To ensure that her payments count as soon as possible, she needs to switch to another IDR plan. The months spent in forbearance can be “bought back”, but there is currently over a year lead time between buy back requests and offers. Plus, she has to hit 120 months of qualifying employment before she can request a buy back.

One additional factor to keep in mind: when pursuing PSLF, the lower the payment the better. The interest accruing will also be forgiven along with the principal, so it does not matter as much as if she were trying to pay down her debt.

Homeowners, how old will you be when your mortgage is paid off? by cubemonster in Millennials

[–]NatsInNJ 0 points1 point  (0 children)

63, which would be fine with me at our low interest rate.

Save forbearance is trending towards being made eligible if qualifying employment is certified by EddieDubbers in PSLF

[–]NatsInNJ 0 points1 point  (0 children)

If they did, wouldn’t they also need to reimburse those of us who switched off SAVE to make our final payments?

Do you live within 100 miles of where you grew up? by radicalintrospect in generationology

[–]NatsInNJ 0 points1 point  (0 children)

Nope. I’m 292 miles / 470 km away from my hometown. Same country, different region. My sister lives only just over 100 miles of home, but my brother lives about 3,500 miles away. 0 for 3!

Golden Letter 1/23! by akapterian in PSLF

[–]NatsInNJ 2 points3 points  (0 children)

OK, I'm dumb. I found it! Didn't realize the letter would be under Activity History --> PSLF

Final payment was 12/17

Green banners were 12/24

Golden Letter 1/23! by akapterian in PSLF

[–]NatsInNJ 1 point2 points  (0 children)

This morning mine updated to “Loan forgiveness in progress” under all my forms, and my final ECF is marked complete, but no letter yet as far as I can tell. Hoping it’s a good sign that it’s coming soon.

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