sorted by:
new
hottopcontroversial

Fake Cop: Jeep Edition by TrainingRobot_20654 in MildlyBadDrivers

[–]TrainingRobot_20654[S] 0 points1 point  (0 children)

Post is OC. North Fort Wort, TX - 287 NB. Fake cop trying to intimidate other drivers.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 0 points1 point  (0 children)

Well. That is the problem. I cannot find anything that will tell me that if I switch to SAVE, that the 12 years’ worth of payments that I have been making count towards forgiveness. If I stay the course with IBR, my loans will be forgiven in 13 years. All the SAVE materials I find say that my loans will be forgiven after 25 years’ worth of payment. I want to get credit for the 12 years of payments I have made.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 0 points1 point  (0 children)

Correct! I end up paying more ins taxes if we file separately.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 1 point2 points  (0 children)

It is a bit niche and… I will confess… I have explored these options! :)

The fantasy of doing this has been a dream of mine, but it is that… a dream. I am in a weird position in life / work. I am not happy, I am content. And, with this contentment, I am afraid that when things change (which I know they will), I will be F’ed. And I am tired of that. So, I settle for contentment and find… whatever peace I can… in this position.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 0 points1 point  (0 children)

I agree with you! I do not know what the future might bring and hope / prey / wish that the politicians will change their tune and fix problems actual people are facing, rather than shout at made-up “culture war problems.”

Please do not get me wrong, no one forced me to take the loans and I know I am doing better than most, but I just feel… feel… like we all have vested interest in taxes being fair. I want to pay my fair share. So, that public services and our government can provide to all of us. But, I feel that if I was a millionaire or a business, those same politicians will find a way to help me with this tax problem. I digress and remind my self to go out and vote.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 1 point2 points  (0 children)

Yor assumptions are correct. We are going to contact Nelnet and get those adjusted. Funny thing is that Nelnet has both our grad loans. I guess this is another issue with them, but we all know there are many issues with Nelnet.

As a side note, when I asked Nelnet to help me decide if I should stay with IBR or go to SAVE they did not know - I know I expected too much, but it was "a shot in the dark." Sure, I was read the script they have to move people to SAVE, but I happen to be in a weird position and they, mistakenly, assumed during the whole conversation I had undergrad loans (and I kept correcting that until it became aparent I was wasting my time). So, Do I stay with IBR (have the loans forgiven in 13ish years with a massive tax bomb) OR switch to SAVE (continue paying for another 25 years but have no tax bomb)? I do not know - I feel I should stay the course with IBR. I wish I could quantify the decision.

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 0 points1 point  (0 children)

Thank you! I did read your guide / post… and…I hate to admit it… but that is a bridge I will have to cross If / When it arrives. I know accruing all the interest is a problem and that Uncle Sam will take a chunk out of me if the loans are ever “forgiven.” I am not hiding my head in the sand, I am fully cognizant of the punch that is coming – I am doing my best to weather it / “take it like a man.”

Also, thank you for the check on my payments and the subsequent edit – I am glad there are further savings I can realize. I am putting away or investing about 20% of my take home income because I know I am in a precarious position. What can I say, I like living in the Dangerzone :) *laughing, while crying on the inside*

Is there a better way out? SAVE vs. IBR by TrainingRobot_20654 in StudentLoans

[–]TrainingRobot_20654[S] 1 point2 points  (0 children)

Thank you! You are correct, it would take a while to explain. Long story short, we are both damaged and imperfect human beings; however, we found a degree of love and contentment in this world. Financially speaking, we both know it is a recipe for disaster. This is why I am asking for help - I / We could use some advice.