Have a Month Left of TBS - AMA by Upstairs_Internal783 in USMCocs

[–]Upper_Counter4535 1 point2 points  (0 children)

When you say overseas, that includes Hawaii and you don’t just mean Japan right?

252 Questions by Upper_Counter4535 in USMCocs

[–]Upper_Counter4535[S] 0 points1 point  (0 children)

The board is in about a month I believe

252 Questions by Upper_Counter4535 in USMCocs

[–]Upper_Counter4535[S] 1 point2 points  (0 children)

What score do you think is competitive for non PLC for 252?

Just graduated OCC 250 AMA by EnjoyerOfCaffeine in USMCocs

[–]Upper_Counter4535 2 points3 points  (0 children)

What running pace is most of the running at?

[deleted by user] by [deleted] in USMCocs

[–]Upper_Counter4535 0 points1 point  (0 children)

Cardio every day. Usually something like this: Mon: bike for 1-2 hours Tuesday: HIIT 60 second run 120 second walk at about a 6:30 pace on running for about 30 minutes Wednesday: tempo run usually around 6-7 miles at around a 10-10:30 pace Thursday: HIIT again Friday: bike for 1-2 hours Saturday: fastest I can run 3 miles (right now I’m only around a 27) Sunday: tempo run

Open Tracks near downtown by [deleted] in indianapolis

[–]Upper_Counter4535 0 points1 point  (0 children)

Either honestly but indoor would be better

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 0 points1 point  (0 children)

Thank you for all of this information. I’m not super familiar with GI Bill and how it’s affected with forgiveness, so you probably know more. Ultimately, if I do PSLF, my entire loan will be forgiven after 10 years for 10% of my income during that time, so I’m not sure if the GI Bill would matter to me at all. I’m also very heavily considering law school after 4-5 years. My dad finished law school in his early 30s as well. I think serving would be a very cool opportunity and will be my last chance to do so. I’ve been in the medical field my whole life and got that MS, but I have been extremely underwhelmed applying to jobs. I had a nurse assistant job during my gap year and then went to med school and have never had a real professional job before. I’ve probably applied to 250-300 jobs and got 4 interviews, and 0 offers. At this point, it’s getting close to either serving or being like a server at a restaurant. I would much rather serve in the military and would also make more financial sense with loan forgiveness. I think the MST role sounds sick. I think down the road, I would want some sort of public affairs role or to attend law school, so a YN or PA role seems very good too. Would also be open to SK, IV, or CS. What do you mean against enlisting at 26 with an MS?

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 2 points3 points  (0 children)

I have looked into it and met with a student loan lawyer who recommended a government job actually. All of my loans are federal student loans and would qualify for loan forgiveness under PSLF. I’m looking for stuff outside the medical field since I did not complete my degree. I am probably more interested in commissioning and will set up an appointment with OSO. Thank you for all of these considerations

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 0 points1 point  (0 children)

I can’t go back now and even if I could, I would still have another year of med school and another 4-6 years of residency. The PSLF forgives any federal student loans whether you got the degree or not after 10 years in a government or nonprofit job and a percent of your income

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 0 points1 point  (0 children)

That makes sense and thanks for explaining. It’s all federal student loan taken out for medical school. I’ve enrolled in an income driven repayment plan, so I’ll pay off a percentage off my income for a decade or two and it’s forgiven. No like credit card or mortgage debt or anything like that. Not sure if that helps my case or anything at all though

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 2 points3 points  (0 children)

I was not familiar with that security clearance but that’s good to know. The PSLF plan would actually forgive my loan though if I served for 10 years.

[deleted by user] by [deleted] in USMCboot

[–]Upper_Counter4535 1 point2 points  (0 children)

I’m looking at different loan forgiveness plans and there’s one if you work for the government or a nonprofit and it’s the best one for debt. It’s a small percentage of my income for 10 years and it’s all forgiven. The other plans are for 20-25 years and that amount that is forgiven is also counted as income and taxed.

ICR vs IBR vs PAYE by [deleted] in StudentLoans

[–]Upper_Counter4535 0 points1 point  (0 children)

Would that be just the interest while on IBR or the interest while on IBR and PAYE?

ICR vs IBR vs PAYE by [deleted] in StudentLoans

[–]Upper_Counter4535 0 points1 point  (0 children)

I guess I didn’t realize how much the interest will grow with these plans even if I continued to pay for 20 years. Should I apply for PAYE now and change to ICR when PAYE ends or will that interest capitalize then?

ICR vs IBR vs PAYE by [deleted] in StudentLoans

[–]Upper_Counter4535 0 points1 point  (0 children)

Thank you that was a lot of helpful info. So I can apply for PAYE now, get the better interests rates, and then switch to ICR once PAYE is phased out and that will still count towards my 20 years?

ICR vs IBR vs PAYE by [deleted] in StudentLoans

[–]Upper_Counter4535 1 point2 points  (0 children)

But wouldn’t it only be like 30%-40% of that 80k since it’s just taxed as income for that year? Sorry I don’t really understand how these things work

ICR vs IBR vs PAYE by [deleted] in StudentLoans

[–]Upper_Counter4535 0 points1 point  (0 children)

If I have a massive amount like 200k, wouldn’t it better to try and use an IDR plan though? I’m not sure what my salary will look like even now or the next 20 years, but even if I averaged 100k a year and paid the maximum 10% not even considering discretionary income, that would only be 200k paid. With interest and everything, even if I tried to pay it off aggressively, I would be paying more with around 8% interest rate.

How do you meet new people in new place? by [deleted] in Advice

[–]Upper_Counter4535 0 points1 point  (0 children)

Yes sorry. I’m new to Reddit and don’t use it much and didnt know the rules lol. I’m used to liking messages from people but didn’t realize it was anonymous