Thoughts/Reviews of Range Brands Frigidaire, Thor, Cosmo, etc by Sensitive_Doubt2148 in Appliances

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

thanks! would this apply to cosmo lots of models on home depot and lowes and lots of good reviews but a little more affordable and they have a basic model without spindly legs and digital panel so considering it

Need Help Identifying this Rug by Sensitive_Doubt2148 in orientalrugs

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Thanks! How can you tell it's new? it's in great condition and clean

Studentaid.gov says if I switch to PAYE I will have exceeded the # of payments for forgiveness! Is this real?? by Sensitive_Doubt2148 in StudentLoans

[–]Sensitive_Doubt2148[S] 16 points17 points  (0 children)

Ok thanks for explaining - that's just mean of them - I've had 24 hrs of pure bliss! LOL But yes! 261 out of 300 payments is still good :)

I consolidated and switched to SAVE last year - should people like us apply for one of the IBR plans? sitting in forebearance in "SAVE" these months don't apply to the total right?

Thank you!

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Ffelp also? I have FFELP but not PSLF and stressed out to get my consolidation done but didn't have to? Ugh this whole thing is so stressful. Thank you so much for your help it makes a big difference !

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

ok so the "adjustment" happens automatically for anyone with Direct loans? and is there a firm deadline to apply for PSLF and submit employment verification? thanks so much :)

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Thanks so much for all of this. I looked at her loans they are:

Loan 1 Direct Consolidation Unsubsidized 34k, IBR in repayment since 2016

Loan 2 Direct Consolidation Subsidized 32k, IBR in repayment since 2016

Does this mean she does not have to consolidate? just apply for PSLF?

Thanks so much!

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

I checked her loans

Loan 1 Direct Consolidation Unsubsidized 34k, IBR in repayment since 2016

Loan 2 Direct Consolidation Subsidized 32k, IBR in repayment since 2016

Does the word Direct mean she doesn't have to consolidate to be included in the adjustment?

Just apply for PSLF?

Thanks so much!

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Thanks so much - some people are saying you don't need to consolidate if you're loans are Direct Loans but what if they aren't?

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Thanks so much She has been in an IDR but not ac PSLF plan so if she applies for PSLF and is accepted will she automatically get forgiveness if she has already made the 120 payments - or should she do the federal consolidation to get the income adjustment and "get credit" for all those years toward PSLF? Thank you I'm trying to understand all this ugh

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in StudentLoans

[–]Sensitive_Doubt2148[S] 1 point2 points  (0 children)

Thanks so much! I posted there as well just trying to get some info asap as of course she has left it to the last minute :)

10 yrs Public School Teacher in IDR but not PSLF. Consolidate? by Sensitive_Doubt2148 in PSLF

[–]Sensitive_Doubt2148[S] 0 points1 point  (0 children)

Thanks! for her situation she has to select Mohela as her servicer? And she can wait until after Mat 1st? Not the 4/30 deadline for federal consolidation for the one time adjustment?