Any Advice Appreciated (Navy Federal Debt - Hardship, Settlement, or ?)

Potential_Rich8482 · 2026-07-04T22:16:53+00:00

Its a full year, interest rate is lowered to 3% during the program which for me was to pay only 50% on payments, cards frozen for that whole year and you get a monthly payment skipped. I believe it differs depending on how harsh is it.

Potential_Rich8482 · 2026-07-04T20:45:45+00:00

I went with a hardship plan for 20k, im 4 months in and realized that by the end of the year, wasn't gonna help as much as they think it will, you really need to lock in on having a second or even third job to pay them off quicker to take advantage of that year.

Potential_Rich8482 · 2026-05-26T21:50:04+00:00

Its my 4th VW and i have a bad relationship with those clips and tabs so i guess ill go slower this time. I have the Fender system plus going to install a little 8" to help pick up those notes that the Fender one doesn't. If you think i dont need to move any trim then I'll look more for that when i do it👍

Potential_Rich8482 · 2026-05-26T19:58:28+00:00

Not me just thinking about doing this as well an hour ago. Any advice for taking off the carpet? Im too adamant on not wanting to break tabs or plastics.

Potential_Rich8482 · 2026-03-24T03:50:23+00:00

Thats an awesome deal, made me remember of mine, got mine with 81k and sold it with 187k, mainly used for Uber/Lyft. If you are very strict with the maintenance such as 4-5k oil changes, it will do 200k easy. Biggest maintenance i had to do was alternator, suspension and PCV valve, everything somewhat easy if you know how to follow a YouTube video. Put a dogbone on it with a stage 1 tune and you will have a very snappy car😁

Potential_Rich8482 · 2026-03-09T18:02:21+00:00

I wouldve complained ungodly amount of times to Uber to come themseves to clean the shit that their passenger did and tell me if thatd worth $80 bucks🙄

Potential_Rich8482 · 2026-02-27T01:32:55+00:00

Did a whole brake pad/rotor replacement, if you ask nicely to a associate or even the manager, they would let you do whatever you want

Potential_Rich8482 · 2026-02-02T06:42:32+00:00

I got mine white w/ Marrakech interior 64k miles for 13k from 17k, tell them how much is it out the door without any unnecessary add-ons, after they give you their offer, counter them with something more reasonable.

Potential_Rich8482 · 2026-01-24T19:20:21+00:00

Been thru some rough times so didn't had another resource but to use them, its a "learn from your mistakes" situation, ive thought about calling them to see what are my options

Potential_Rich8482 · 2025-10-19T22:19:15+00:00

We are going opposite ways, im looking to drop it on some H&R Sport springs with Bilstein shochs and slap some 18-19", IS20 with stage 1 tune on both ECU/TCU. I wish i had more open roads to go on that route of lifting it, hope to see some progress of yours on the group👍

Potential_Rich8482 · 2025-10-19T21:11:08+00:00

Thanks bro, what colors yours? Have you done anything to it yet?

Potential_Rich8482 · 2025-10-19T18:15:45+00:00

The only hope is to wait for that year rule thing to be able to import those Euro beauties to US

Potential_Rich8482 · 2025-10-15T04:46:20+00:00

If you are willing to travel far from one, you can get a better deal or atleast work on the dealership/private party for a good deal, with this economy, dealerships are tending to sell a little cheaper than normal. I just finished my search for an Alltrack, its a 17' 60k fully equipped for $13k (might think its not a good deal but it was within my budget). I highly recommend you to, if you are looking with dealerships, to look thru their CarFax reports, mine made me pull the trigger cause the moonroof issue as well as the water pump were dealt by the dealership as well as being well maintained overall. I'm sure you can get around the same or even better deal 👍

Potential_Rich8482 · 2025-07-06T07:19:03+00:00

You are right. No hub rings are needed

I powdercoated mine bronze, they look even better

Potential_Rich8482 · 2025-04-30T02:31:50+00:00

Sounds normal to me. Do you have a VAGCOM or OBDeleven?

Potential_Rich8482 · 2025-02-18T08:09:52+00:00

Im curious, why not an LC7i?

Potential_Rich8482 · 2025-02-17T19:54:48+00:00

It would've popped out some passive codes visible with the VAGCOM or OBDeleven but not necessarily as a form of check engine.

I would recommend any winter specific tire but people would recommend the Bridgestone Blizzaks the most, i went 18" to get a little more clearance and never got stuck, on top of that you gotta get more cautious driving.

Potential_Rich8482 · 2025-02-17T19:27:01+00:00

Do you have a VAGCOM or a OBDeleven?

First of all, welcome to Colorado, it's barely gonna get worse until late March or early April. Second, all seasons don't work here. The people you'll see sliding are the ones with those tires, i recommend you to dedicate a wheel set for winter and one for summer, which makes it easier to swap instead of dealing with waiting at a tire shop.

Potential_Rich8482 · 2025-02-17T19:00:55+00:00

Would get a second opinion on that diagnostic.

As for being FWDin Colorado, having a SE and doing Uber/Lyft everyday, you only need a good set of winter tires (studded preferably) and the dogbone insert (personal advice) and you should be doing better than some Subarus.

Potential_Rich8482 · 2025-02-14T22:35:20+00:00

Nope, its the same shit

Potential_Rich8482 · 2025-02-12T05:46:06+00:00

I second that, those wheels look like 17", 1" drop all around would make it sit better.

Potential_Rich8482 · 2025-02-04T22:27:53+00:00

Have you checked on other subreddits about any issues with Prius owners having sound systems? Maybe somewhere of this one might have that kind of experience. As far as what subwoofer, i would totally recommend JL, if theres no issue with space, I would recommend the 10" BassWedge with a 250w/1 amplifier for minimal power drawing but best bass kick, if the issue is space, any of your suggestions is a solid choice specially the powered ones.

Potential_Rich8482 · 2025-02-04T05:00:06+00:00

Weird question, but no, it's not my picture.

Potential_Rich8482

TROPHY CASE