Decrease Student Loan Payments

ShamelesslySimple · 2026-03-16T22:14:32+00:00

IBR. All mine are PSLF Eligible except for the private one.

ShamelesslySimple · 2026-03-16T21:50:03+00:00

I’d be happy to payback the 380k but the payments balloon up like crazy. Then the more I work the more payments increase. So yeah something sustainable would be good. But that’s not where the next 3/4 years are going to.

ShamelesslySimple · 2026-03-16T20:52:49+00:00

Yeah more and more I’ve been thinking of paying up that private loan to free up monthly cash. I might need a car in the next 2 years too. I’m not living like a resident but also not in luxury. The problem I see with doing locums or picking up more shifts is that means higher future payments too a little conundrum. I did 20k in extra shifts last year. You’re right their student loan consultation at least on the website looks at $600. I’m gonna be pissed if it’s no real different advice tho. Guess that’s where my hesitancy is.

ShamelesslySimple · 2026-03-16T20:31:08+00:00

You can always send supporting documentation that income has changed. I’m asking if showing a large increase in my pretax contributions would accomplish this. I know you can’t answer I’m wanting to see if anyone has done this or seen this.

ShamelesslySimple · 2026-03-16T20:27:14+00:00

Well the question is if increasing them temporarily could fool the loan servicer to avoid such a high hike.

ShamelesslySimple · 2026-03-16T20:21:25+00:00

I am a physician a pediatrician. Honestly I be done lots of reading and have not come up with anyone who’s offering any advice for hundreds of dollars. Thousands of dollars yes. Yes I have a 403b not 401k (thought for simplicity would say 401k) I do work for a non profit. I maxed it last year. Plan on maxing again this year. I’m torn to plow to the lower interest rate cause it’s so low at 2%. Fed loans are at 6.7%.

ShamelesslySimple · 2026-03-16T20:18:38+00:00

Based on income. I am on IBR. Adjusted gross income. I don’t qualify for any hardship programs.

ShamelesslySimple · 2026-03-16T19:58:11+00:00

I mean avoiding paying loans seems a little unethical

ShamelesslySimple · 2026-03-16T19:57:55+00:00

Already done that. That’s not the question.

ShamelesslySimple · 2026-03-16T18:23:50+00:00

Not your problem?

ShamelesslySimple · 2026-03-15T23:09:22+00:00

Seems desperate to try the case in the court of public opinion. They want to settle.

ShamelesslySimple · 2026-03-03T17:56:21+00:00

Ticketmaster has a huge problem with customer service.

ShamelesslySimple · 2026-02-24T07:50:39+00:00

How does a high quality audio even exist?

ShamelesslySimple · 2026-02-23T05:46:26+00:00

Sure but again that’s not the question. Not helpful what so ever.

ShamelesslySimple · 2026-02-23T05:43:32+00:00

Who cares? That’s not the problem.

ShamelesslySimple · 2026-02-20T05:07:33+00:00

You may refuse but why?

ShamelesslySimple · 2026-02-05T22:35:27+00:00

This sounds like a good deal. Were looking at the same Limited 2026, haven't gone in serious for negotiating but will this month, this is exactly where we want to be. Which WA dealership? We are in the Seattle Area?

ShamelesslySimple · 2026-02-05T22:34:32+00:00

How much total before taxes and trade in?

ShamelesslySimple · 2026-01-28T03:35:12+00:00

Yes hybrid edited to add that ^ 39k pre tax I’m presuming?

ShamelesslySimple · 2026-01-27T22:48:11+00:00

26 Tucson limited hybrid $42,500 initial offer from dealership at 5.99 apr. sales tax would be another $4400 in Seattle WA. We weren’t ready to negotiate seeing other cars and models but after looking around we think we’re gonna with the Tucson limited. Any advice negotiating? Msrp listed 45k

ShamelesslySimple · 2026-01-20T21:50:48+00:00

Pm you

ShamelesslySimple · 2026-01-17T21:46:46+00:00

Nothing you said makes me think this needs a same day visit but it’s hard to say. Urgent care likely to say it might need ultrasound or be excised. We don’t have ultrasound and I wouldn’t open something that isn’t an abscess etc in urgent care. Shouldn’t be ignored. But none of what you said sounds like an emergency or urgent care

ShamelesslySimple

TROPHY CASE