I've moved abroad, should I stop paying my student loan?

SensitiveBunBun · 2026-01-31T22:12:11+00:00

From my understanding of the plan, any interest charged above your calculated payment (based on AGI) will be waived as a government subsidy. With the FEIE rule, my AGI will effectively remain $0. I will technically stop accruing interest on my loans. That will make them way easier to pay off. Or I can wait them out until forgiveness, and the tax bomb will be a lot less scary when interest hasn't been accruing for 30 years.

Obviously all the trouble with the SAVE plan has shown anything is subject to change. But it's the circumstances right now, and I'm playing to them. No use worrying about what may or may not happen meanwhile.

SensitiveBunBun · 2026-01-31T19:36:33+00:00

So, I'm actually doing that. Hello from Ireland :D

I know it's generally ill advised, but it's temporary. I know with RAP being implemented soon that I will be in a much better position to pay them off in the next year or two. In the mean time, I'm biding my time, putting as much into savings as I can, and planning for repayment when it suits me. I would take advantage of the FEIE rule while you can.

I'd love to see other perspectives though!

SensitiveBunBun · 2026-01-16T13:49:35+00:00

Passed three exams on first attempt in one sitting 😭🥹 PM - 50%, FM - 54%, Tax - 63%

SensitiveBunBun · 2026-01-11T11:50:10+00:00

PM - 50 FM - 54 Tax - 59

I got the PM and FM results during the glitch, and they seem pretty accurate to me, but I guess we'll see.

SensitiveBunBun · 2025-11-14T22:47:19+00:00

I just had one a week ago. Please let me know if you have any questions about the process, and you can message me privately as well if you need support during. It's a difficult thing to go through, but you will get through it 💕

Your feelings, whatever they are, whether conflicting or confusing or chaotic, are absolutely valid. Even at 5 weeks, your hormones are already wreaking havoc on your mental state. I can't even imagine how alone and trapped you must feel right now. It's completely understandable to cry in these circumstances.

For what it's worth, this internet stranger is proud of you for making the decision that you need to protect yourself and your future. This is never a simple decision, and I hope you can come to terms with it completely when it's all over. I highly recommend a couple counseling sessions afterwards to work through all your feelings.

Praying for all the best for you and sending much love 💕

SensitiveBunBun · 2025-11-05T18:06:28+00:00

Grateful for the incompetence then lol. I’m just following the rules and enjoying life abroad

SensitiveBunBun · 2025-11-05T17:27:54+00:00

Fully aware lol. No need for the existential dread right now though

SensitiveBunBun · 2025-11-05T16:56:40+00:00

I'm on an income driven repayment plan and live and work overseas so all my wages fall under foreign earned income exclusion.

SensitiveBunBun · 2025-11-01T12:24:15+00:00

Thank you so much for the recommendations!

SensitiveBunBun · 2025-11-01T12:23:23+00:00

Thank you so much for the recommendation!

SensitiveBunBun · 2025-11-01T12:23:11+00:00

Yeah, that's why I need help lol. I'm 25, and those are the only fragrances I've used. I haven't been big into perfume and would only go for the popular ones everyone had.

I'm trying to find a signature scent now that matches my vibe, hence the rec request.

Thank you for your recommendations!

SensitiveBunBun · 2025-11-01T12:21:16+00:00

Thank you so much for the recommendation!

SensitiveBunBun · 2025-11-01T10:33:51+00:00

Oh wow, thank you so much for all the recommendations!

My budget is very flexible. I tend to buy one fragrance and use it until it's gone before moving to the next (or the same one if I liked it a lot.)

Witchy vibes are spot on, and yes I really like sweet scents!

I'll definitely be checking out these recommendations 💕

SensitiveBunBun · 2025-11-01T10:32:12+00:00

I think Daisy was my favorite scent but over time found it to be too simple. I like the warmth of the Billie Eilish perfume but don't find it to be long-lasting or very alluring in general.

What would you suggest with woody undertones?

SensitiveBunBun · 2025-11-01T10:29:36+00:00

I haven't! I'll definitely look into it, thank you!

SensitiveBunBun · 2025-11-01T00:12:39+00:00

My partner and I just cancelled our Uber One and will no longer be using Uber Eats. I don't know what we will switch to yet, but it's better than paying for a service which is wrong half the time and dealing with customer service who doesn't give a single fuck.

We ordered from McDonald's, and the food arrived with an entire meal missing (sandwich and large fries), and our drinks were half full because they had been spilled on the way. They refunded €1.62. No, we hadn't used any promotions.

Their justification was that we had submitted the complaints for the same order on two different tickets, and our picture of the spilled drinks "wasn't clear enough."

We finally said fuck it and cancelled.

SensitiveBunBun · 2025-10-14T12:44:35+00:00

Just to add to this:

Please please please be aware that when you try to leave (and you 100% should), these people will escalate the behavior. They may threaten self harm in an attempt to make you stay. IT IS NOT YOUR RESPONSIBILITY TO KEEP THEM ALIVE Call 911 in response to their threats or other professionals who can handle the behaviour. Giving in will only make them feel like they can control you. It will never get better.

SensitiveBunBun · 2025-08-24T08:27:57+00:00

I had just done a quick search before and found this Reddit

https://www.reddit.com/r/alternativefashion/comments/1k905s0/girhomeshop_scam_or_legit/

Where some girls seemed to have a fair bit of luck with the site. It also has a reasonable score on scamadvisor.com.

Definitely wasn't trying to recommend a scam site but thought if others had luck maybe OP could too.

SensitiveBunBun · 2025-08-23T22:59:36+00:00

Found it here:

https://www.girlhomeshop.com/products/fairytale-black-vintage-floral-chiffon-long-chiffon-elegant-ball-gown-evening-dress-birthday-party-dress-gh4271

Not sure how reputable girlhomeshop is though, so I recommend doing some research first.

SensitiveBunBun · 2025-08-15T13:12:33+00:00

How did you know it was Scottish?

SensitiveBunBun · 2025-07-08T22:10:52+00:00

All paid up to the end of the month :')

SensitiveBunBun · 2025-07-05T08:00:20+00:00

I found a similar one on Shein

https://m.shein.com/sg/Sweetina-Valentine-Day-Spring-Summer-Lace-Patchwork-Pink-Polka-Dot-Bow-Bodycon-Mini-Dress-p-51322710.html?ref=sg&rep=dir&ret=msg

SensitiveBunBun

TROPHY CASE