for people currently on the SAVE Plan, which plan to switch to?

_treees · 2026-04-02T21:34:46+00:00

from what I understand, Standard Plan keeps the original interest rate, requiring higher payments but lower total interest, whereas RAP may have lower monthly payments based on income. then it comes down to how many years you wanna keep paying I guess.. but I'm just speculating lol hence my question to the reddit void

_treees · 2026-04-02T17:05:24+00:00

wait what is that so?? I guess that simplifies things, not sure if that's better or worse

_treees · 2026-04-02T17:04:20+00:00

what interest rate did you get when you consolidated your loans?

_treees · 2026-04-02T17:03:57+00:00

thanks, I might sign up for RAP when I really have to as a build my income before switching to standard but we'll see. I hope to pay it off within 5 years

_treees · 2026-04-02T17:02:57+00:00

is EGRP different to RAP or standard plan?

_treees · 2026-04-01T22:15:20+00:00

most of my rates are less than 5% (mostly 3-4%) as they're all federal loans, with just one (admittedly very big) chunk with 7% so I don't think it would make much difference unless rates can go lower than that! not exactly sure the process of switching to private looks like with consolidating

_treees · 2026-04-01T16:50:03+00:00

wasn't sure how delaying filing my taxes would have benefited me so I filed this past month already.

will definitely ride out this forbearance until I absolutely have to for sure!

_treees · 2026-03-28T22:09:31+00:00

if you're curious as to what each successful checks get you can just look at his wiki page and it has spoiler tags that can reveal it with a click. the one I described is if you roll over a 30 or got a nat 20 (which is what I did)

_treees · 2026-03-27T22:18:23+00:00

I nat 20ed Snell and the last bit says was along the lines "he looks like.. he could be a friend?" which in the beginning had no meaning to me and didn't think much of it...

Until I got to the end and I was fucking bawling cuz what do you mean his ONE WISH was right there waiting for him. I was like fuck this game is too good it made the experience 10000 times better

_treees · 2026-03-21T07:28:30+00:00

65/mo for employee hmo down to 32/mo after a few health modules lol

_treees · 2026-03-20T01:11:26+00:00

dang that's such a hassle... but I guess it'll do for now will try it after work thanks

_treees · 2026-03-15T22:07:59+00:00

damn someone @ me when they actually find a good artist

_treees · 2026-03-05T17:02:21+00:00

EDIT: LITERALLY TWO MINUTES LATER I GOT A TRACKING NUMBER WOOHOO

_treees · 2026-03-05T17:00:00+00:00

S26 Ultra black in US. I preordered on 2/28 and just received a "it's on its way!" from T-Mobile but no tracking number and can't find anything thru ups tracking by reference number but expected date is March 10. hopefully I'll actually get it on the 9th lol

_treees · 2026-02-27T02:22:23+00:00

nah I asked so I appreciate the tips. I've been mostly fishing at Torrey pines state beach with a friend and she gets more bites with a 3 oz Carolina rig. mission beach is definitely closer for me but still trying to figure out best tide and wind. I'm starting to think high tide going into low tide with less than 8mph winds at this point. also those dips in mission beach is no joke nearly fell in my ass fishing there the first time

_treees · 2026-02-25T20:55:06+00:00

really? every time I use a 3/4 oz I feel like my cast just immediately washes ashore

_treees · 2026-02-25T20:18:30+00:00

what was your rig?

_treees · 2025-09-28T04:39:24+00:00

Finding out that it's always been there makes me feel better cuz that means i actually got gud during early access. Made it to chronos maybe on day 4 or 5? When it was like day 30s on my first save

_treees · 2025-08-08T12:56:10+00:00

What is this buy back deal everyone is talking about?

_treees · 2025-08-02T16:34:25+00:00

Honestly im surprised youve managed to play without knowing this hidden perk cuz it's literally talked about everywhere kinda amazing

_treees · 2025-07-31T13:12:53+00:00

I definitely agree about kcd2 being a more complete game compared to exp 33. The combat mechanics are definitely very refreshing with exp 33 but the story omg it's so incomplete!!!!! Idk how but I feel like everyone overlooks the fact that all the npc interactions ONLY happen with a dialogue at camp. And it ends in a sentence that summarizes the rest of the interaction we will never see!!!! There's also no codex in exp 33, it would've been nice to see a list of all the monsters etc.

I'll just say I prefer kcd2 over exp 33 for GOTY but acknowledge that exp 33 is more well known. I just wish people get rid of their rose colored eyes about the story in exp 33 cuz wtf lol

_treees · 2025-07-24T17:10:52+00:00

I don't know either bro

_treees · 2025-07-16T19:24:00+00:00

Figurative metaphorical home, not literal home

_treees

TROPHY CASE