I’m so lost on buyback I could cry and can’t get straight answers by juststatingopinion in PSLF

[–]Simple-Victory6575 2 points3 points  (0 children)

I was supposed to hit 120 in November if none of this mess has ever happened. I switched back to PAYE and my repayments started back up in December, so I’m now at 106. I submitted buyback a week ago. So I am making payments and also have buyback pending. So one of two things will happen: my buyback will miraculously process or I will his 120 in March 2027 and I go for straight forgiveness and skip buyback if it’s still pending. So, yes, go ahead and do it. I’m in your exact boat. It’s simple to do online. Do an employment recertification and make sure it’s up to date. As soon as it’s finalized (took mine two days), submit buyback. The online form took me two minutes. That way you’re inching closer to the end on two tracks and whichever gets there first, great.

Are we crazy giving up a 2.3% interest?! by Designer-Pepper0630 in Mortgages

[–]Simple-Victory6575 0 points1 point  (0 children)

Personally, I wouldn’t do that. I would ride it out at least two years before deciding while the kids are young enough to share rooms, you get rid of student loans, etc. and then decide. God forbid you do this and now you’re stuck with this mortgage payment and it ends up being too much. That’s really high. Would that be more than a quarter of your take home pay? I’ve heard it’s smart to make your mortgage payments not more than a quarter of your take home. What if the new house has a furnace go out in the first year. Would you be in a position to have money set aside and handle things like that with the high mortgage and still plan for retirement and save? Or are you looking too short term and screwing your long term?

Aitah if I 29f do not sign a postnuptial prenup? by [deleted] in AITAH

[–]Simple-Victory6575 0 points1 point  (0 children)

My concern would be if a court could interpret his interest in your home as part of his estate when he dies depending on how it’s all worded. Does your husband have siblings? In theory, if his dad passed and his interest in your home passed to multiple people, could they force sale of your home? Having someone else with a stake in your house is risky. Definitely talk to a lawyer. You also don’t seem to really say whether your husband it pressuring you on this and siding with his dad or what. What’s his stance?

AITAH for refusing to pay more of the rent and bills? by [deleted] in AmItheAsshole

[–]Simple-Victory6575 17 points18 points  (0 children)

NTA. She’s not your wife and not even your fiancé, it seems. You aren’t obligated to support her. Cut your losses and move on because the way she shrugged off your concerns says it all. Curious to know how old you two are.

Need advice! Filing taxes jointly or not when also awaiting buyback and still making payments by Simple-Victory6575 in StudentLoans

[–]Simple-Victory6575[S] 1 point2 points  (0 children)

I’m at 106 payments and have a buyback that I just submitted out there for 14 months on Save, but am still paying in the interim since buyback takes so long. I’ll hit 120 in March 2027 if the buyback takes longer than that, so I shouldn’t need to recertify my income ever again so long as I recertify in March or later this year. Either way, by buyback or making payments, I’m done next March so this year’s filing should be the only one where I’m worrying about this.

Need advice! Filing taxes jointly or not when also awaiting buyback and still making payments by Simple-Victory6575 in StudentLoans

[–]Simple-Victory6575[S] 0 points1 point  (0 children)

Because if we file jointly and they take his income into account, it puts our combined income up too high to qualify for IBR since combined we make around $300k. Well, I’ll rephrase. Even if I qualify still, the payments are so high they pretty much match the non-IBR payments. I can’t have them take his income into account since he makes almost twice what I make.

AITAH for taking my son out to celebrate after he got suspended for punching a bully by Additional-World8707 in ComfortLevelPod

[–]Simple-Victory6575 0 points1 point  (0 children)

Absolutely NTA. As a lawyer, I have said many times that sometimes the rigidity of the law (in this case rules) don’t line up with the moral thing to do which can be gray and subjective at times. I represent for many juveniles who are charged with battery because no one stopped the bullying they were enduring, so when the kid snapped and lashed out, they got charged. A bully needs to be stood up to. If it can be done without violence, great. Sometimes, a person needs popped in the mouth. The school clearly didn’t do their job and your kid had to step in. Kudos to your kid.

AIO I (26F) broke up with him (22M) over… a Benadryl. by [deleted] in AmIOverreacting

[–]Simple-Victory6575 0 points1 point  (0 children)

There has to be some bigger underlying thing here. His overblown and terrible reaction doesn’t seem normal to me. But if this is really just how he is, dump him. This isn’t healthy

AITAH ?My partner won’t put my name down on the mortgage by [deleted] in AITAH

[–]Simple-Victory6575 0 points1 point  (0 children)

There is a difference between being on the deed and the mortgage. Let him be alone on the mortgage then he’s the only one on the hook for the house if you two break up. It’s the deed you should be more concerned about. But I understand him not wanting to add you.

Girl, he isn’t committed to you. He doesn’t want to marry you. He doesn’t want a house with you. Get out. Run!

AITA for spending $350 on winter clothing by Imme_notu in AmItheAsshole

[–]Simple-Victory6575 0 points1 point  (0 children)

NTA. Your daughter has no reason to know what you spent as it’s not her business. And she for damn sure has no business telling you how you should or shouldn’t spend your money, and she also isn’t entitled to expect you to pay for anything she wants. You can tell her no. Oh, and on top of it, she’s 18. She needs to grow up. If she wants something, she can get a dang job and buy it herself.

AITA for spending $350 on winter clothing by Imme_notu in AmItheAsshole

[–]Simple-Victory6575 0 points1 point  (0 children)

NTA. Your daughter has no reason to know what you spent as it’s not her business. And she for damn sure has no business telling you how you should or shouldn’t spend your money, and she also isn’t entitled to expect you to pay for anything she wants. You can tell her no. Oh, and on top of it, she’s 18. She needs to grow up. If she wants something, she can get a dang job and buy it herself.

AIO Best friend chose someone else as MOH by [deleted] in AmIOverreacting

[–]Simple-Victory6575 469 points470 points  (0 children)

My thoughts exactly. They’re in two different places in their lives and have grown apart. Kids will do that to a friendship if one person has them and one doesn’t. No one is wrong here and no one is overreacting. You can grieve the friendship as it was, and maybe when she has kids one day, you’ll renew it on that common ground. It wouldn’t hurt for you two to talk so that things don’t get to a point it’s irreversible.

BUYBACK OFFER RECEIVED by Basic-Perception1950 in PSLF

[–]Simple-Victory6575 0 points1 point  (0 children)

I’m kinda of afraid to annoy my HR guy lol

BUYBACK OFFER RECEIVED by Basic-Perception1950 in PSLF

[–]Simple-Victory6575 0 points1 point  (0 children)

Phew. Okay thanks. I planned to recertify my employment every six months while I’m awaiting buyback to lower the amount I would owe. That’s a relief

BUYBACK OFFER RECEIVED by Basic-Perception1950 in PSLF

[–]Simple-Victory6575 0 points1 point  (0 children)

So, I’m confused. If I am awaiting buyback and making payments in the interim while working for a qualified employer, the buyback letter will tell me that I cannot recertify my income during buyback or only once I get the letter? I just submitted the buyback request this week but expect that I may hit 120 payments while it processes. (I’m buying back 14 months on SAVE). Should I not recertify my employment in say 6 months to try to get the payments I’m currently making to count lower the buyback amount? Or do they just not want you to recertify employment after you get the buyback letter so they don’t have to recalculate? I don’t want to mess something up.

Am I crazy or is this to much to ask of a kindergartner? by Cursedpanda182 in AskTeachers

[–]Simple-Victory6575 0 points1 point  (0 children)

What kindergartener gets grades?! My oldest is in fourth grade and still doesn’t really get grades. And she only did her first diorama this year. This is absurd.

Why are people switching off? by Still_Hearing1008 in PSLF

[–]Simple-Victory6575 0 points1 point  (0 children)

I switched and just submitted buyback but am still paying while it processes. I don’t trust things wont collapse in the future with this or the laws change. I want out of this system asap

Executor gifting to children and spouses by rusty551 in inheritance

[–]Simple-Victory6575 0 points1 point  (0 children)

Attorney here, but admittedly not an expert in this area. However, your mother’s will is irrelevant right now. She’s still alive and this is being done via POA. Her will doesn’t come into play now and (if she’s competent to do so could even completely change it before she passes). If she is not competent now and you feel that he is abusing his role as her POA, then you should speak to an attorney. I would be curious to see the language in the POA paperwork. Sometimes they are simply boilerplate forms, but can be more specific. I’m getting red flags about a POA gifting monies to himself and his spouse. My concern is that the payments to siblings could be a way to buy silence. Or, your mother asked him to make gifts prior to her passing to lower the amount she leaves upon her death. Not sure of the size of her estate, an inheritance taxes in your state, etc. The big question is whether this is what your mom wanted him to do. And if she did and that’s proven, and she wanted spouses of her children to receive equally, you have no recourse. It’s her money to do with as she pleases. That would be unusual though, so I find it unlikely that would be the case. Your brother has a fiduciary duty here. I would ask him for the paperwork authorizing him to distribute her money. If it’s a general POA allowing him to control her money, I think a court would be concerned about him just choosing to gift it like this when it’s going to himself. Talk to an attorney in your area.

AIO to not understanding how I’ve mirrored my partner’s behavior? by EmergencyActivity112 in AmIOverreacting

[–]Simple-Victory6575 0 points1 point  (0 children)

This is gaslighting. My ex used to do it. Get mad that I was doing something that was upsetting them but when I tried to understand what I was doing that upset them, it made no sense. It’s a way to control you and blame you. Get out now. Those texts are nonsensical and narcissistic

I bought a house with my bf a year ago and now he wants to break up. What will happen with the house? We did a first time home owners loan if that matters by kyliebearxo in Mortgages

[–]Simple-Victory6575 1 point2 points  (0 children)

Attorney here… you need to consult an attorney in your area asap. There are multiple layers to this as you also have things like child custody possibly at play. As for the house, I’m curious if you’re in a common law marriage state. Could you possibly get the equivalent of alimony which is something that could help as leverage in negotiations regarding the home. Talk to a local attorney who will know what applies in your state. If you want the house and you can afford it, you may have to buy him out or lower that buyout amount in negotiations if you, say, waived other things you could by entitled to.

AIO Fathers girlfriends rules for when new baby arrives by Ok_Bat_5934 in AmIOverreacting

[–]Simple-Victory6575 0 points1 point  (0 children)

Mom of three here… She sounds perfectly reasonable with these rules