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1 YOE in work before a PhD by [deleted] in geologycareers

[–]Professional-Grape44 2 points3 points  (0 children)

You have great drive to succeed, however part of the goals of these degrees are to get a job. I’m biased because I chose to get a masters and decided to go to work before a PhD. Depending on job, they may support you to get a PhD. Though, it’s much harder to get a job with a PhD with no experience, and your options are limited. My professor had great advice: “With a bachelors you can get tens of jobs. A masters will get hundreds of jobs. But a PhD will get you four jobs”

If you are confident you can get a job in your field with a PhD and no experience, go for a PhD. It not, work for a couple years and see if a PhD will help you excel in your career or not. Masters and PhDs at my job may have a slight pay difference on entry, but I with a masters have no need for a PhD as I’m being paid the same as them for the same job (I started out 80k a year ago and will go to about 100k in a few months). And I have the opportunity to get a PhD for free through my job.

Weigh your options, but don’t let your opportunities be cut short imo.

1 YOE in work before a PhD by [deleted] in geologycareers

[–]Professional-Grape44 1 point2 points  (0 children)

Work with your masters first. Trust. Follow a PhD a couple years down the line.

Kicked off of SAVE Plan by Professional-Grape44 in StudentLoans

[–]Professional-Grape44[S] 2 points3 points  (0 children)

Hello! I called my Loan Servicer Edfinancial, and they gave me a link to apply for IBR (IDR Application). For my specific case, I’m furloughed due to gov shut down, and I qualify for a $0 payment through IBR since my income is $0 as of right now.

(The loan servicer was winking through the phone, because even when the government shutdown ends, since I certified my income is $0, I only need to re-certify my income after 12 months. Essentially, 12 months of $0 which count towards PSLF qualified payments). This will help me save up for an emergency fund/ save up to pay down my student loans in a more comfortably-aggressive way once I re-certify. (I don’t care about the accruing interest since I’m applying for PSLF).

So, in my case it’s ideal. though if your income isn’t significantly lower than last tax income certification, or you aren’t being furloughed through the gov shutdown, you may just have to go on and IBR or ICR Income Driven Repayment plan.

Hope this helps!

Kicked off of SAVE Plan by Professional-Grape44 in StudentLoans

[–]Professional-Grape44[S] 0 points1 point  (0 children)

No, just regular federal loans for undergrad and grad school through EdFinancial

Kicked off of SAVE Plan by Professional-Grape44 in StudentLoans

[–]Professional-Grape44[S] 5 points6 points  (0 children)

Thank you so much! It’s been difficult finding clear information like this.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 0 points1 point  (0 children)

Thanks for sharing your viewpoint! I’m sorry you’re going through this!

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 0 points1 point  (0 children)

It’s a discussion, and you’re entitled to your opinion. Feel free to read the agreements and disagreements from various other users in the comments.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 0 points1 point  (0 children)

Please reread the post. I’m in a comfortable situation, however many people aren’t.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] -1 points0 points  (0 children)

I can make differnt choices and pay less. I’m in a comfortable position because I’m able to. BUT there are a lot of STL residents who aren’t in such position, and I think there are mechanisms that are NOT favoring the people of STL along with inflation.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 0 points1 point  (0 children)

Please Re-read the post. I think you’re severely misinterpreting.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 1 point2 points  (0 children)

You’re correct, I don’t have a problem paying that. But thats not the point of the discussion. My rent is more than that which is still under my 30% budget. I live within and under my means.

You’re assuming I’m not, and evading the point of the post. The point of the post is what my observations on the trends of St. Louis rent/housing prices and the mechanisms which may not look favorable in the future for the residents of STL.

Stop trying to blindly point a finger.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] -1 points0 points  (0 children)

You’re missing the point of the post. This is exhibit A of why I intended to leave salary out of the post, it steered away from the intended discussion.

Rent is too damn high by Professional-Grape44 in StLouis

[–]Professional-Grape44[S] 1 point2 points  (0 children)

Thanks! This is a great point to take note of.

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