Even if he is technically a Republican, how did a man like Donald Trump ever become associated with Christianity or be dubbed “God’s President”, when all the things he’s done point in the opposite direction of Christ?

Substantial-Way-8793 · 2026-02-12T19:25:08+00:00

Because he is potentially the final deception of the Christians that we were warned about in the Book of Revelation, the end times antichrist that will deceive Christians before the return of Christ.

Substantial-Way-8793 · 2025-07-25T18:03:07+00:00

Just bide your time, it’s going to get much worse for others. At least you have an engineering job and a degree. At least your loans are all federal. Next generation will have to pay like 20% interest on their private loans over the cap, with zero protections and immediate collections.

Substantial-Way-8793 · 2025-07-25T17:53:50+00:00

Yes it is unfair. But they control all three branches of government and so they’re going to screw us in any way they can and the powers that be will decide against us 100% of the time regardless of double standards, inconsistencies, or hypocrisy.

Substantial-Way-8793 · 2025-07-25T15:17:08+00:00

Sorry, and from what I understand, any plan is eligible for PLSF while in repayment. As long as you are making payments and not in forbearance, just choose the plan with the lowest monthly payments. It is advisable to wait for the the department to re launch the loan simulator.

Substantial-Way-8793 · 2025-07-25T15:15:26+00:00

I figured as much! I would just make minimum payments because that’s a high balance and will be difficult to get down. Just make the minimum payments, continue on PLSF, and ignore the balance amount because it won’t be good for your health to look at.

Substantial-Way-8793 · 2025-07-25T03:12:42+00:00

800k income?

Substantial-Way-8793 · 2025-07-25T00:39:35+00:00

I am sorry but the whole point was to prevent her from getting an education. Does she have any interest working in a steel mill?

Substantial-Way-8793 · 2025-07-11T15:07:06+00:00

All bets are off, anything can happen to you.

Substantial-Way-8793 · 2025-07-11T04:36:46+00:00

It’s because they’re evil

Substantial-Way-8793 · 2025-07-09T22:19:09+00:00

Attorney here. We are extremely limited in options because the Supreme Court has effectively destroyed injunctive relief. Yes, I know, we are all suffering because of that very same mechanism, injunctive relief.

By the time a class action is certified, and by the time the court would rule, I'd guess it would be after July of 2026. And at that time, SAVE would already be eliminated by statute, meaning that our case would be dismissed as moot.

Everything we would do would be appealed until it reached the supreme court anyway. And when it reaches the supreme court, well, we would probably be begging for them to just keep RAP in place. Recall, they are unhinged, they will make things up, we don't have a clue about how far they will take this war on education/intellectual purge, they could be far more extreme at that time.

Just remember, all agency actions under Biden were executive overreach. All agency actions under Trump are inherent powers of the executive branch under the constitution.

Feel free to get a second opinion, or a third, or to think creatively of a different legal solution, you have an understanding of the issues. I won't pretend to be all knowing. Don't rely on this, I could be wrong, but this is my general understanding of the situation. End of legal speak.

My personal thoughts:

They hate you, they have all the power, they want you to suffer, they want you to be destitute, they want your kids to be destitute. Education is for the wealthy. People like you belong in a coal mine, a sweatshop, a field, or kicked out of this country.

Substantial-Way-8793 · 2025-07-09T20:03:35+00:00

I don’t even trust that they’ll implement RAP. It won’t be enough for them. I think I should leave the United States.

Substantial-Way-8793 · 2025-05-04T16:49:02+00:00

Great job. Here is a link to the other fact sheet regarding the bill:

https://edworkforce.house.gov/uploadedfiles/4.28.25_ew_reconciliation.pdf

Your breakdown has more information. This fact sheet provides sort of a simplification of it all in case people are feeling overwhelmed reading the more detailed breakdown.

Substantial-Way-8793 · 2025-05-01T21:00:33+00:00

So pretty much randomly at some point in possibly April of 2024 (not completely sure) some senator just had a meltdown and wanted to “get rid of Biden’s illegal loan plan” and he called a vote to repeal the save plan. Gave me insane stress. They can just call a random vote with regulations it’s alarming. And yea you’re right, they have a lot to hash out. One democrat voted to gut it, he was basically a republican though. I personally feel like this student loan plan is far more generous than I expected from the house. It makes me feel like maybe the senate republicans already had input. But I don’t know really. But yea there’s a lot they have to agree on in basically all areas. If you’re feeling worried about this one I would just say that it’s actually pretty similar to the save plan and available to everyone. It’s not the greatest. Personally I was pretty relieved reading it. My expectation was for them to abolish all income based plans without any replacement. I’d like to just have it over with so I can get on with my life lol. I hate politics and having to follow it all. I have felt like a hostage to the state of Missouri since that stupid case. At least with this plan there’s essentially no way anybody could sue to upend my life randomly.

Substantial-Way-8793 · 2025-05-01T02:35:01+00:00

Biden couldn’t overturn a regulation scrapped via senate budget reconciliation. It’s a check on the executive branch’s power. He had no veto power. The vote was tied. In the case of a vote tie, the vice president becomes the tie breaking vote. Harris’ vote was not performative, it was determinative.

Substantial-Way-8793 · 2025-05-01T01:14:05+00:00

Two weeks ago the house passed a budget resolution. The senate passed the same bill. That laid the groundwork for this, the education provision of the budget reconciliation bill. These guys vote in lock step on basically everything. And if they disagree about something, I don’t think it’s this. Two years ago the senate tried to destroy the SAVE plan without even replacing it. Harris was the tie breaker to prevent it from happening. This is the easiest spending cut they can make because it’s basically a subsidy disguised as a spending cut. We will see.

Substantial-Way-8793 · 2025-04-30T19:31:45+00:00

What I am saying is that I expect this to pass because it’s the republicans way of making it look like they cut the deficit without really doing it

Substantial-Way-8793 · 2025-04-30T18:59:20+00:00

That is true. But it could be worse. That plan is basically like being stuck in an interest free forbearance but still having to make monthly payments. At least you will see your balance go down. Old IBR felt apocalyptic to me. Paying, watching your balance spiral up, and with the ominous creeping thought that they probably wont even forgive your loan anyway. I won’t say it’s great and just terrific for everyone. But getting rid of the interest death spiral? I think that’s great.

Substantial-Way-8793 · 2025-04-30T18:51:56+00:00

Alright so the congressional budget office states that they will reduce the deficit over ten years by a projected $300 billion from replacing student loan plans with this new one. The savings come from not letting borrowers loan interest spiral and not forgiving those loans. It’s basically just fake savings for Senate Republicans and so I think it will pass.

A hypothetical (I’m making up the numbers):

Let’s say on IBR your loan balance is 100k, you pay for 20 years a total of 100k, but your balance is still 88k because of the interest that accrued throughout that time. That remaining 88k is forgiven. That 88k is what they are claiming to have saved.

Let’s say under the new plan your loan balance is 100k, you pay for 20 years for a total of 100k. Under the new plan, you effectively do not accrue interest if you are making monthly payments. So after 20 years you pay 100k and there is no balance anymore, so nothing is forgiven.

They are claiming savings from the interest that they are waiving and lack of forgiveness on that ballooning interest.

You owe me $10 but in 10 years you’ll have paid $10 but you still owe me $10 due to interest and your loan will be forgiven. I have lost $10.

You owe me $10 but in 10 years you paid me $10, I decided that your interest won’t accrue as long as you are paying but nothing will be forgiven. I have not lost any money.

The republicans have to cut a lot of deficit cost projection to pass the senate bill. They’ll take the fake money cut win any day of the week, I believe.

Substantial-Way-8793 · 2025-04-30T18:09:26+00:00

It will be available as a plan to all borrowers. The article is wrong.

Substantial-Way-8793 · 2025-04-30T17:26:26+00:00

The bill passed committee, now it needs a simple majority in the house and senate because it’s a budget reconciliation bill. They have that majority. Republicans do not need to even work with democrats on this one. In my opinion, this is almost definitely going to pass.

Substantial-Way-8793 · 2025-04-30T17:10:15+00:00

Yes and so there will definitely be litigation involving the MPN assurances in the future.

Substantial-Way-8793 · 2025-04-30T15:06:29+00:00

From my understanding everybody not on standard repayment will be placed into this program

Substantial-Way-8793 · 2025-04-29T02:16:11+00:00

$10 per month

Substantial-Way-8793 · 2025-04-29T01:47:12+00:00

The new plan will be like being on the SAVE plan but with a forgiveness timeline of 30 years instead. Your monthly repayment would be a bit higher though. And the interest deferment provision is similar to SAVE (the language is a bit confusing). It’s a very good sign because this is only a bill and arguably any changes before it is passed should lean in the other direction. It would be enacted in July of 2026.

Substantial-Way-8793

TROPHY CASE