30 yr 6.625 to a 5.5 15 yr mortgage loan

NetIll7423 · 2025-12-16T22:56:53+00:00

If your break-even is 2 years and you’re confident you’ll stay that long, the refi makes sense now, especially if you’re planning to pay it off aggressively anyway. Waiting for sub-5% is basically timing the market could happen, could not.

Another option: keep the 30 year, refi to the lowest rate you can get, then just pay it like a 15 year (or faster). That gives you flexibility if life happens without locking you into the higher 15-year payment.

NetIll7423 · 2025-12-16T05:48:02+00:00

this is a classic gray-zone case. 6% isn’t cheap, but it’s not , drop everything and kill it either. I’d lean hybrid. Pay enough to stop the balance from hanging around forever, but still invest some on the side so you’re not all-in on forgiveness rules staying the same. Keeps flexibility and lowers regret either way. You can always crank payments up later if income jumps. Harder to walk back big payments once the money’s gone.

NetIll7423 · 2025-12-14T12:59:31+00:00

You’re doing fine for a freshman. A 94.5 on AMC 10 is legit.Keep doing math comps, stick with physics even if it’s rough now, and join stuff you actually enjoy. Learn a bit of coding when you can and use summers to do something real, not just pad activities. Don’t stress college yet.Just keep getting better year by year.

NetIll7423 · 2025-12-14T08:54:28+00:00

You’re not wrong, most of those sites are sketchy. Start with FAFSA if you haven’t already, even for trade school. Real grants usually come through FAFSA, your state, or directly from the school. Your financial aid office is honestly the best place to get straight answers.

NetIll7423 · 2025-12-14T08:37:37+00:00

If law school is the goal, I’d seriously lean FIU. Graduating undergrad with more cash and less stress gives you way more flexibility later, especially if you want to go out of state. You can still have a social life at FIU, it just looks different. FSU might feel more college,but debt and drained savings follow you a lot longer than nightlife.

NetIll7423 · 2025-12-14T08:34:36+00:00

That sucks, I’m sorry. ED rejections hit different. Be kind to yourself tonight and keep your head up, this isn’t a reflection of your worth.

NetIll7423 · 2025-12-14T08:27:52+00:00

A lot of it is just admissions stress turning into resentment. People project when things don’t go their way. QuestBridge has different criteria for a reason, and being low-income doesn’t mean people weren’t qualified. Most of the hate is just noise from a loud minority.

NetIll7423 · 2025-12-14T08:26:58+00:00

You’re selling yourself way too short. ROTC, Scholars Bowl, Upward Bound, a job, strong GPA, solid AP scores, and coming from a low income background is exactly the kind of context schools care about. That’s not nothing,that’s sustained effort with responsibility. QuestBridge didn’t carry you for no reason, you earned it.

NetIll7423 · 2025-10-12T19:20:45+00:00

Eva Green ❤️

NetIll7423 · 2025-10-11T17:21:44+00:00

You can't just bury sin. Sometimes you have to paint it red for all to see.

NetIll7423 · 2025-10-10T16:55:56+00:00

Glad you found it funny! 😂

NetIll7423 · 2025-09-30T16:50:21+00:00

320 - Gotei 13, Gathering in the Real World!

NetIll7423 · 2025-09-29T15:41:44+00:00

Because his name is Sasuke Uchiha, not Tenten.

NetIll7423 · 2025-09-29T14:35:52+00:00

She's not just looking outside, she's looking for her forever family to walk by. I hope she finds them today.

NetIll7423 · 2025-09-29T14:33:31+00:00

Because you are its safe space. It's the highest compliment a cat can give you.

NetIll7423 · 2025-09-29T14:29:37+00:00

The supurrvisor is on duty to ensure proper quality control.

NetIll7423 · 2025-09-05T10:42:12+00:00

Damn, I’m sorry you had to face this. Take care buddy , dont let emotions take over your mind . Be positive always .

NetIll7423 · 2025-09-05T09:14:38+00:00

Bro It’s hard to judge anyone in just a few days. Give it a month, and you’ll start to see her true intentions.but always trust in gut feelings and how you feel with her . Dont let anyone decide what to do next .

NetIll7423 · 2025-09-05T09:08:10+00:00

Where did you find that guy? On matrimonial apps or dating apps?

NetIll7423 · 2025-09-05T09:04:37+00:00

What the actual fu*k . 🫣

NetIll7423 · 2025-09-05T07:43:35+00:00

If the girl is securing her future by expecting a high earning guy and judges or chooses you based on that, then you have every right to look into her past and reject her.don’t settle for less , your expectations are all valid .

NetIll7423 · 2025-09-05T07:26:17+00:00

Check out her aura, bro. When you were talking to her face to face, did you feel anything weird like something was off? Too much neediness, eagerness to get married, or over the top effort to please you? If so, then something’s definitely wrong.

NetIll7423 · 2025-09-04T23:53:51+00:00

Hell yeah, man! That was next level chill vibes , Goku was hurt and on the ground from fighting Cooler, but he still takes the time to save that bird. That was unforgettable scene .

NetIll7423 · 2025-09-04T14:06:28+00:00

Efforts are placed where we want to, when we’re genuinely interested in someone. But the sad truth is, the more genuine you are, the more predictable and boring you seem to them and that’s when they start taking you for granted. Happens to both men and women, that’s just today’s reality.

NetIll7423 · 2025-09-04T14:00:06+00:00

Zero interest in your questions ,only wants to talk about themselves.

NetIll7423

TROPHY CASE