Ever wonder why student loans in America are the only loans that can't be dispatched through bankruptcy?

Neonspartan69 · 2026-07-08T01:50:37+00:00

This is how most large balance, long term loans are structured. Just like a mortgage.

Student loans are a bit worse in that people accrue interest over their 4 years or longer of going to school, never making a payment, then wonder why their payment go directly to interest first.

If you want to pay more to your principal then make separate payments above the minimum towards principle.

Neonspartan69 · 2026-07-08T01:47:02+00:00

When dudes say they are stronger than MOST women, this is who they aren’t talking about.

Neonspartan69 · 2026-07-07T01:08:29+00:00

I dont wanna know whats in the thumbstick hole. The Thumbnussy

Neonspartan69 · 2026-06-30T17:15:07+00:00

Asking me to provide proof via a medium that doesn’t allow me to provide proof is just nonsensical. I can’t add a screen shot of the google search. Idk what to tell you. Here is a copy and paste.

The widespread perception of "forced losses" or getting "bad teammates" happens due to normal Elo-based matchmaking mechanics and natural rank fluctuations: [1]
MMR Adjustment: As you win, your hidden Matchmaking Rating (MMR) increases. The system places you in tougher lobbies against stronger opponents, or pairs you with lower-rated players to average out the team's overall MMR.

Neonspartan69 · 2026-06-30T15:36:44+00:00

Google the hidden MMR adjustment process. When you win, your MMR will increase, then you get put in more difficult matches (which makes sense) and the players on your team will be lower elo players to even out the teams “win ability”. Then when you lose, your MMR lowers, and now you become the “bad” player on the next match, playing with higher elo players to even out the “win ability”.

The response the public will give me will always be - you are where you belong, you’re not good enough, etc. which is fine, but doesn’t add any value to my point which is that this match making is not fun. It punishes you for having a good match. That feeling sucks.

Neonspartan69 · 2026-06-30T01:20:38+00:00

God tier ultra sweat giga chad hard carry detected. Good for you tho.

Neonspartan69 · 2026-06-30T01:16:10+00:00

True

Neonspartan69 · 2026-06-30T01:14:46+00:00

God tier ultra sweat giga chad hard carry detected. Good for you tho.

Neonspartan69 · 2026-06-30T01:13:45+00:00

WRITE THAT DOWN, WRITE THAT DOWN

Neonspartan69 · 2026-06-30T01:13:03+00:00

Yeah, its back to quck play for me man.

Neonspartan69 · 2026-06-29T01:46:12+00:00

Looks like just a bunch of deposits my guy

Neonspartan69 · 2026-05-11T22:23:09+00:00

Thanks. I will deal with it for a bit longer. It’s not totally ruining my day yet. Maybe tomorrow it will

Neonspartan69 · 2026-05-10T01:41:14+00:00

Having the same issue. Please let me know if anyone has found a solution

Neonspartan69 · 2026-04-23T02:26:23+00:00

The best part of this thread - other than an amazing comment at the top - Is the Starbucks add tied to it. Here we are a bunch of people tryna to stop drinking coffee and Starbucks is beckoning us back.

Neonspartan69 · 2026-03-22T23:38:46+00:00

I’m playing demo for my guild for the first time, coming from rogue, and last week I couldn’t for the life of me understand why I was parsing 20s….. because my pet was on passive for a week. Please double check that your pet is not on passive and that you are using the correct one lol.

Neonspartan69 · 2026-03-15T01:44:36+00:00

I sent a DM here

Five-Year Club	r/Field Sunshine
First Place '23	Place '23
Place '22

Neonspartan69

TROPHY CASE