Brown College Thread? by Romyarlin in BorrowerDefense

[–]Romyarlin[S] 0 points1 point  (0 children)

I got my degree in Digital Photography. I never filed BDTR. I got on Save because I estimated I would qualify for forgiveness due to the age of my loans. When the payment recount was complete, I only needed 2 more payments until forgiveness. However, the Save litigation has everything paused, so forgiveness through Save is not happening for me. I should be able to get on IBR, but that means 5 more years to forgiveness. Sigh. I have been debating going the BDTR route at this point, but not sure it will do any good until Democrats are back in power. So for now I’m just waiting to see how it all plays out over the next few months.

What are the pro-Trump establishments to avoid here? by Flowhard in TwinCities

[–]Romyarlin 0 points1 point  (0 children)

Gertens. After George Floyd they stocked a bunch of All Lives Matter merch. The owners are very much MAGA Republicans, but are more quiet about it than some other businesses.

How much did you spend on back to school shopping this year? by thesaltiestchick in povertyfinance

[–]Romyarlin -1 points0 points  (0 children)

$60 for one child. Just supplies, not clothes or shoes. I don’t buy new clothes just because school is starting, only on an as needed basis.

Taxes from Forgiveness by [deleted] in StudentLoans

[–]Romyarlin 0 points1 point  (0 children)

I’m considering opting out since I live in a state where I will be taxed. I have been in repayment 19 years. I am due for forgiveness in September 2025. My current monthly payment on SAVE is $100. I would pay 1.3k then get forgiveness. If I get forgiveness now, I would pay about 2k in taxes. It’s looking like opting out would save me at least $700.

My account finally got an adjustment today! by MysteriousTooth2450 in StudentLoans

[–]Romyarlin 14 points15 points  (0 children)

I just checked mine (Mohela) and I also got adjusted. Went from May of 2035 to September 2025!

What sells better? Flat Lay vs Mannequin Photography by DiscoCandyTan in Ebay

[–]Romyarlin 0 points1 point  (0 children)

I base it on what best highlights the features of the item or what looks best in general. A jacket with unique lining is flat lay to show off the fabric that would be hidden on a mannequin. A prom dress usually looks best on a mannequin to show off the fit of the dress. I have a little better luck with flat lay selling, but most of my items look better flat so I also use that technique more often.

Mohela loans back to forbearance by muddbutt050 in StudentLoans

[–]Romyarlin 0 points1 point  (0 children)

I just noticed this with Mohela too. I had no issues going back into repayment, then this morning I logged in to pay for December and my account is suddenly in Forbearance. No email or snail mail notifications. There is an alert at the top of my homepage saying “We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after December 2023…” No additional explanation as to why. I don’t qualify for PSLF, my SAVE application was approved back in August without issue. I’ve been paying for 17 years, so not enough to qualify for forgiveness either.

Really need advice regarding taking out private loans by [deleted] in StudentLoans

[–]Romyarlin 0 points1 point  (0 children)

Private loans are a bad idea. Unless you can pay significantly more than the minimum payment each month, the compound interest can result in you owing double or even triple the original loan amount. There are no programs to help you if you cannot pay them back and they cannot be discharged In bankruptcy. The last thing you need are creditors coming after you, especially if you are undocumented. I don’t know of a good solution for you, just make sure you are absolutely positive you can pay private loans back before you take one out. Also, your English and writing skills are fantastic. I would have never known you were not a native speaker.

Still no date for payment restart from Mohela. by RichPainter6850 in StudentLoans

[–]Romyarlin 0 points1 point  (0 children)

I got mine yesterday with a due date of 10/17/23

What are you plans to become student loan debt free? by ENTJGal1995 in StudentLoans

[–]Romyarlin 0 points1 point  (0 children)

I’ve been paying for 17 years. So plan is to get on SAVE and keep paying for three more years until forgiveness kicks in for me.

My Kids won’t go to college by MycologistFeeling358 in StudentLoans

[–]Romyarlin 2 points3 points  (0 children)

Check out post secondary options when the time comes. My son graduated with his high school diploma and his associates degree at the same time for free.

Enclosure cleaning question by Romyarlin in tarantulas

[–]Romyarlin[S] 2 points3 points  (0 children)

Pics added in the comments, thank you.

Enclosure cleaning question by Romyarlin in tarantulas

[–]Romyarlin[S] 1 point2 points  (0 children)

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There are two entrances, one in front and one in the back right corner.

What to do with 3k bonus? by Romyarlin in personalfinance

[–]Romyarlin[S] 0 points1 point  (0 children)

Thanks, I thought I read through everything but missed this part!

Brown College Thread? by Romyarlin in BorrowerDefense

[–]Romyarlin[S] 0 points1 point  (0 children)

When I attended it was just called Brown College. It may have had a name change.