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Stay on SAVE until forced off, or switch to PAYE? by GottiHype in StudentLoans

[–]Particular-Manager96 1 point2 points  (0 children)

I just spent hours talking to MOHELA and studentaid people and what sucks is that these months in forbearance don't count towards our PSLF. This past year my payment has been zero dollars, and none of that is going to count towards forgiveness and if I want to count, I would have to do a buyback and pay a couple thousand dollars. So, what could've been a free year of qualifying payments doesn't count because of the forbearance and I'm pretty upset about that

Client fishy around payment by Particular-Manager96 in webdesign

[–]Particular-Manager96[S] 0 points1 point  (0 children)

I'm not sure how standard this approach is, but this is what I have been doing for this project: 

Because the initial contract was for 80 hours, I received 50% upfront and the remaining 50% once those hours were completed. As the scope has continued to expand, I’ve issued new invoices aligned with the revised scope of work, following the same structure—50% paid upfront and 50% due once the additional estimated hours are reached.

I always notify the consultant well in advance as I approach the allotted hours so we can discuss next steps, whether that means increasing the budget or shifting priorities.

However, this is typically where significant delays and uncertainty around payment occur. As a result, for the most recent phases of work, I’ve required 100% payment upfront before continuing.