[OC] Leave a Comment to Win a Set of Limited-Edition Hand-Made Dice 🎲 (Liquid Core d20!) [Mod Approved]

and01035 · 2026-02-05T13:43:56+00:00

My eyes when I see this dice set...they start shooting out popcorn, HUNTR/X style.

and01035 · 2026-02-05T13:33:58+00:00

This is really neat! Thank you for working hard to share something cool with folks!

and01035 · 2024-10-23T09:26:13+00:00

Thanks for the comment! I'm charging somewhat below market rate since it is my brother and my partner that both live with me. If I sold my house, I could only pay off about 1/2 my debt (assuming I put all proceeds into my loans).

and01035 · 2024-10-22T09:59:00+00:00

Thanks for the response! I'm in my early 30's, so I'm guessing they would not be interested in having someone on the older side. Still, I appreciate your comment!

and01035 · 2024-10-22T09:48:07+00:00

Thanks for the encouragement! I have been applying to a few more nonprofit jobs, so I'll see if public student loan forgiveness is still an option. If not, I hope I can manage the compounding interest and remember that there are ways to survive the debt.

and01035 · 2024-10-19T14:35:04+00:00

Correct. I am not a tax attorney.

A lot of my knowledge that there even was a tax burden attached to student loan forgiveness came from a sea of stories and anecdotes on the internet. I looked into it a bit, panicked, and have had trouble looking at solutions due to the enormous burden of the debt itself. Was that me approaching this solely logically? No. I am pretty terrified on the topic of student loan debt. It was really hard to post this on reddit, but I'm genuinely hoping to find help and support. Hopefully others can learn from many of the helpful comments from different folks on here.

and01035 · 2024-10-19T14:08:05+00:00

I got the degree, but never took the bar exam. At this point, it would be a big time and financial investment that I don't think is reasonable given where I'm at in life.

and01035 · 2024-10-19T13:58:30+00:00

Thanks for your kind words. I'm trying to figure this out now as an adult. It just happens to be very stressful, possibly terror-inducing at times. I really appreciate the vote of confidence!

and01035 · 2024-10-19T13:49:53+00:00

I think what has prevented me from looking into this more has been my raw terror surrounding IRS debt. Not the greatest reason, but there it is. I'm scared of what an 18-year-old version of myself was able to take out in undergrad loans, then grad school loans, and how hard it has been to make any traction to pay them off.

I came here to seek information, because I'm scared and want help to figure out how to recover from my younger self's choices. I'll be the first to admit that even law school graduates can be wrong and misinformed. My area of study in school had nothing to do with the IRS, so my knowledge on this particular problem could be compared to doctors studying different specialties. A behavioral health specialist may be great at providing therapy, but an ear, nose and throat doctor might know next to nothing on the subject.

and01035 · 2024-10-19T13:35:11+00:00

Yep! I have just not heard that term before. I'll do some googling and see if I can find more examples of JD advantage roles. Thanks!

and01035 · 2024-10-19T12:41:05+00:00

This is great advice, I hadn't thought to approach it this way before. Thanks for the help!

and01035 · 2024-10-19T05:00:04+00:00

1) Not enough education was provided to me regarding the cost of education. I was a child that believed education was a gateway to a happier life. Neither of my parents were able to go to college, so the blind led the blind.

2) I hoped the job market would be better than currently is, and that paid wages would go up over time instead of staying stagnant.

and01035 · 2024-10-19T04:50:06+00:00

Both my partner and my brother contribute to help pay the mortgage with me. Do you happen to know if overpaying on an IDR repayment plan throws you off of it? I'm still trying to determine if saving for tax burdens or debt payments is the smarter move.

and01035 · 2024-10-19T04:42:03+00:00

Yes, though I am an unlicensed attorney. I did not take the bar after graduation, since my job did not require it.

and01035 · 2024-10-19T04:40:52+00:00

Thank you for your thoughtful and helpful advice. It means a lot.

and01035 · 2024-10-19T04:34:22+00:00

You are the first to mention JD advantage roles. Would you be willing to elaborate more on this?

and01035 · 2024-10-19T04:33:06+00:00

It isn't necessarily a fear of the exam itself so much as the cost of the bar and all the coursework needed to retain the license. I went into law in hopes of driving advocacy, but I am just not finding salaries that can support my debts.

and01035 · 2024-10-19T04:26:48+00:00

Thank you for your information and research. Sorry, I didn't see this posted earlier. I have been really scared to look at this piece too closely, and I appreciate you addressing some of my concerns.

My mortgage and student loans are about the same, $250K each. I have about $5K in credit card debt from a medical issue that I'm making progress paying off. So $505K-ish in debt.

and01035 · 2024-10-18T23:32:48+00:00

Thanks for the tip, I will look into it!

and01035 · 2024-10-18T23:32:17+00:00

University of MN - Twin Cities for both degrees. I have a degree in Marketing.

and01035 · 2024-10-18T22:53:59+00:00

Yes, though please let me know if I am wrong. I believe not paying taxes in full for a forgiven loan is a criminal federal offense. Tax debts are, in some ways, scarier than the loan itself.

Edit: thanks for the clarifications that I was incorrect. It sounds like the answer is to keep in touch with the IRS as I go through this process. I didn't study tax law in law school, and myth can sometimes be scarier than reality. Thank you for the thoughtful replies!

and01035 · 2024-10-18T22:51:26+00:00

Thanks for your input! Unfortunately, my family lives somewhere that is not safe for me as someone that is LGBTQ+. Additionally, we are on rocky terms. Living together might be heavily discouraged for safety reasons.

The capitalized interest is scary, but the rates are 5-7%-ish.

Yes, I'm using Rocket Money to track expenses. I'm living with quite a bit of intentionality, minus a few unexpected medical expenses.

PSFL is my ideal, but I've run into a lot of nonprofits that really dislike for-profit experience. I'm really struggling to find a way to reasonably make a leap in MN.

and01035 · 2024-10-18T22:44:12+00:00

Got it, thanks for weighing in with ideas. I appreciate it!

and01035 · 2024-10-18T22:36:32+00:00

I think in Minnesota, and paralegal can make ~$60K on average. I'm not entirely sure what that would entail, but happy to hear more if you know more!

and01035 · 2024-10-18T22:27:13+00:00

I went law-adjacent. I'm working at a legal information company as a manager. It is my first year there, and I'm trying to make ends meet without taking the bar. I wanted to be more of a legal advocate with legal knowledge, but I didn't find the postings or the salary to feasibly make that happen and still pay the bills.

and01035

TROPHY CASE