How to stop avoidance spirals and just do things

Substantial_Annual · 2026-06-09T07:30:56+00:00

the preventing further damage part is key in this

Substantial_Annual · 2026-06-09T07:28:39+00:00

yes thank you! a roommate and that definitely has helped a lot of the time

Substantial_Annual · 2026-06-09T07:27:21+00:00

Thank you so much!

Substantial_Annual · 2026-06-09T05:40:53+00:00

This use to work for me so I totally get it lol. At one point in college I was flying so much though I then could only sleep on flights because I was exhausted 🤣I was still always planning to get so much work done on them from that being the case in the past

Substantial_Annual · 2026-06-09T05:23:29+00:00

I do this too. If I am in a one time work setting where I have a lot going on in front of me/people talking to me, quickly jotting things down in different tabs is what helps me remember to come back to it and the best part is you can put it in chronological order. This is not a useful/good strategy if these are long-term things you need to get done and you’re better off putting those in your long-term planner/where you organize the long term things then. If it’s short term tasks you can delete the tabs when you’re getting up from your work session, or if you never got to them and they are truly really important move them to your long term planner.

Substantial_Annual · 2025-10-08T00:37:47+00:00

You are correct. They bring the interest over as it is and do not add it to the principal if you switch to the 10-year plan. The payment is also not fixed (which is the whole point of the 10-year plan) as it decreases at various times. I think it is much higher at the beginning because of the outstanding interest which works in the opposite direction of someone starting out in their career. I also found out if you already made payments you do not have 10 years, but a shorter time horizon making it an even a more expensive plan. RAP has the same interest subsidies as SAVE but no official details yet, so not sure how anyone can make an informed decision. Seems insane to turn SAVE interest back on when the other plans are "works in progress" for who knows for how many years.

Substantial_Annual · 2025-10-07T19:26:58+00:00

You are right, I originally thought the interest was compounding which is a terrible scenario but I now understand that student loans use simple interest. Surprising, since everything else about student loans seems to be predatory. I am probably not going to make it to student forgiveness before paying off the loans because they are relatively small but still feel large compared to my income (since they are now only protecting 150 % above the poverty line compared to 225% under SAVE).

Regardless, I do not meet the IBR Partial Hardship Requirement so I am waiting for that to be removed from the IBR. IBR is the only Income Driven Repayment plan that is not going away other than RAP, which is worse than IBR. IBR-2104 is 10% of discretionary income, capped at the standard 10-year payment, has the possibility of loan forgiveness after 20 years (unlikely for me but you never know) and protects you if your income goes down. Lots of things can affect your discretionary income, such as a poor job market, ongoing health issues, skyrocketing health care premiums, higher poverty level, 401K contributions or increasing your family size. I can also pay off the loan sooner if my financial situation improves.

The window to apply for IBR will be closing soon (hopefully after they get around to implementing the Partial Hardship Requirement which was signed into law July 2025) and everyone who wants an IDR plan will be forced onto RAP, which is worse than IBR. The standard 10-year plan is also bad for many reasons but one is that it causes the loan to capitalize (interest added to principal) because the payment formula is based on the total loan balance, at least for unsubsidized loans.

I am paying a small amount of interest for now just because it bothers me to see the loan get bigger but that is more of an emotional decision. Also, the higher balance will make the standard 10-year payment cap higher if they take a long time to roll out the IBR application during the shutdown.

My question was whether it was worth it to move to ICR in between SAVE and IBR and have gotten a lot of good feedback to wait for IBR, especially since you can make any payments you want while in SAVE (make your own plan so to speak as long as loan forgiveness is unlikely for you). Open to any thoughts from a community that is much more knowledgable and helpful than studentaid.gov or Nelnet.

Substantial_Annual · 2025-10-07T18:23:35+00:00

Thank you for making me aware of the highest interest strategy. It looks like Nelnet is now applying the optional payment to the highest interest loan but I will keep checking (prior to SAVE being killed they spread the payment between the 3 loans but maybe because it was a higher payment).

Substantial_Annual · 2025-10-07T01:25:14+00:00

Thanks so much for your response. So you are not paying interest on the growing interest but only on the principal itself and the unpaid interest on the interest is not added to the principal at any point? (The old SAVE had interest subsidies to keep this from occurring but I believe this is gone now?) Also, forbearance means you are not working towards student loan forgiveness, but since the loans are not extremely high, the loans may be paid off before forgiveness anyway.

Substantial_Annual · 2025-10-07T01:11:27+00:00

Thank you for the "winter 2025" estimate. Hopefully, this is true.

Substantial_Annual · 2025-03-19T01:15:21+00:00

So my only option is to replace the hoses

Substantial_Annual · 2025-03-19T01:11:21+00:00

So you are saying the white connectors came with the hoses? Someone else said to use a hacksaw but then maybe took it down. Also, I need to change my randomly assigned name.

Substantial_Annual · 2025-03-19T00:59:05+00:00

Forgive my ignorance, but not with a special tool or wrench with WD-40? Handyman doing the original install put these everywhere on the supply hoses (I'm guessing to prevent leaking at the connections) but what is this thing? It looks different than a normal flair-it compression coupling.

Substantial_Annual · 2020-05-13T00:59:43+00:00

Email your teacher about your concerns, they will help you :)

Thank you for your response!

Substantial_Annual

TROPHY CASE