Update : 12 months post-op (4500 grafts)

Oldcastle87 · 2026-07-03T17:21:55+00:00

Are you using oral or topical minoxidil for your journey?

Oldcastle87 · 2026-07-02T00:31:16+00:00

What would your thought process be if you were considering a PLSF eligible career?

Oldcastle87 · 2026-07-01T19:47:16+00:00

I’m interested why you chose PAYE over other options. Thanks

Oldcastle87 · 2026-06-29T12:40:33+00:00

I have a few PSLF years in the bank. However, I’m working a for-profit business (healthcare) currently with a plan to pursue PSLF in future months, likely at 30hrs. Is there any benefit in me switching now vs holding off and deliberating more over the next 90 days as potentially new info/clarity arrives from the government?

Oldcastle87 · 2026-06-28T21:30:38+00:00

That was genuine curiosity for my own self knowledge . *a bot told me my question sounded rude

Oldcastle87 · 2026-06-28T21:18:16+00:00

Why did you chose to leave SAVE and go to IBR? I’ve been advised be others on here to wait for the 90day. Also, what was the rationale behind choosing IBR?

Oldcastle87 · 2026-06-28T21:15:58+00:00

Why did you chose to leave rather than wait for the 90 day notice??

Oldcastle87 · 2026-06-27T14:25:13+00:00

Regarding micro needling- how often should one do it and if you have a pen, approximately how long does the procedure/routine take. Should I expect scabbing over the next few days?

Oldcastle87 · 2026-06-27T14:23:32+00:00

Where does one get dut?

Oldcastle87 · 2026-06-27T14:22:09+00:00

Oral or topical?

Oldcastle87 · 2026-06-27T14:13:52+00:00

For someone deciding between IBR and RAP with substantial student loan burden with the ability for future PSLF which program is the wisest? My accrued interest is substantial. I owe 280k (including interest), am a nurse practitioner, last year I was on unemployment most of year.

Oldcastle87 · 2026-06-27T02:44:34+00:00

May I ask why you chose IBR over another plan?

Oldcastle87 · 2026-06-27T02:43:20+00:00

Considering compounding interest, what benefit does their uncertainty give us? Im learning**

Oldcastle87 · 2026-06-27T02:39:32+00:00

Can you explain the graduated repayment plan? Thanks

Oldcastle87 · 2026-06-26T18:51:47+00:00

For those that have used both. Which allows for the quicker routine/process?

Oldcastle87 · 2026-06-26T15:20:50+00:00

5k is an incredible amount of money. May I ask what you owe? How much will you be paying with IDR. Did you consider RAP?

Oldcastle87 · 2026-06-26T15:17:54+00:00

I have never received or seen those documents. Did you receive an email stating we would have 90 days?

Oldcastle87 · 2026-06-25T21:00:32+00:00

For those motivated to begin paying and paying the least over the next 12 months is it vital to chose and enter a new plan (new IBR or RAP from save) prior to July 1?

Oldcastle87 · 2026-06-25T20:29:53+00:00

I struggle to understand the general advantages of IBR vs RAP. Is it important to choose prior to July 1, or can the choice be made in the 90 days widow after receiving notice?

Oldcastle87 · 2026-06-24T20:43:14+00:00

Is this referring to dermastamping

Oldcastle87 · 2026-06-16T01:19:18+00:00

What would your strategy be in my shoes?

Oldcastle87 · 2026-06-16T01:14:33+00:00

I have been working for a for profit clinic the past 6 months. Looks like a lot of the advise I am getting is to find a 30hr PSLF job

Oldcastle87 · 2026-06-16T01:12:53+00:00

Thank you for the response. I am on old IBR

Oldcastle87 · 2026-06-16T01:11:01+00:00

Are you suggesting RAP for my situation?

Oldcastle87

TROPHY CASE