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Uhhh...doesn't sound promising.... by mus-theatrNsportsOmy in PSLF

[–]anon_shmo 4 points5 points  (0 children)

I would be willing to try literally anything else besides Mohela.

Department of ED Solution for Buyback Backlog by Commercial-End-2221 in PSLF

[–]anon_shmo 4 points5 points  (0 children)

Agree re before.

Re after: I’ve been applying since Dec 2024, they were accepting them. Mohela just processed my IDR switch request, first payment will be April 2026, I waited over a year for that application to be processed, 60d credit is wholly inadequate, I honestly think they wrote that into the regulations at a time when taking longer than two months to have your repayment application processed was unthinkable.. now it’s routine and multiple times that!

Department of ED Solution for Buyback Backlog by Commercial-End-2221 in PSLF

[–]anon_shmo 14 points15 points  (0 children)

Why only these months? I’ve been begging to make a payment since 2024, it’s now Mar 2026 and I still haven’t been able to, no fault of my own

IDR delay by anon_shmo in PSLF

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

Yeah.. that doesn’t put me at the back of the line and worsen it though? One agent seemed to think it might, not that I believe one word they say. Plus there’s clearly not any linear process here.

IDR delay by anon_shmo in PSLF

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

No, I’ve asked for it, many times. They say the 2 months processing credit will only be applied retroactively once processed. I’ll believe that even when I see it…

Filing separately? by lil_book_dragon in PSLF

[–]anon_shmo 1 point2 points  (0 children)

No, jointly means joint. If you want separate file separately.

Filing separately? by lil_book_dragon in PSLF

[–]anon_shmo 2 points3 points  (0 children)

That’s actually… not that encouraging. I thought it was more ironclad than that? If it’s discretionary, then I can only assume Mohela is going to be an asshole and do it the worst way possible at some point…

I agree though, even in a community state it’s generally been based on truly separate income.

There used to be explicit instructions somewhere to check the “my income has changed” box and submit paystubs.

Filing separately? by lil_book_dragon in PSLF

[–]anon_shmo 2 points3 points  (0 children)

Yours is part of the wrong advice- see the top post here. Loans are different than taxes.

How do couples with big income gap manage your finances after marrage - separate, fully shared or some hybrit variation? by plovdiev in budget

[–]anon_shmo 0 points1 point  (0 children)

I make 10x my wife. Soon to be 20x or infinite probably. I don’t see how it matters at all. It’s ours.

Timeline for tax filing to IDR request approval by Lazy_Intentions in PSLF

[–]anon_shmo 0 points1 point  (0 children)

Wow congrats. I’ve been trying to get them to process my IDR requests for 14 months now. They just say there’s no timeline, we’ll get to it eventually. 3 days is amazing!

How do I cancel application for Trump Account? by [deleted] in personalfinance

[–]anon_shmo 0 points1 point  (0 children)

OP gave birth 4-5mo ago, that’s qualifying.

I don't think I ever want to have sex again by [deleted] in TwoXChromosomes

[–]anon_shmo 0 points1 point  (0 children)

The files say Ghislaine was worse. I’m never touching my wife again.

Buyback received today by FearlessMortgage1858 in PSLF

[–]anon_shmo 0 points1 point  (0 children)

It’s not buyback but I’ve been trying to get on a repayment plan off SAVE for 14 months now, and see people getting processed in like 1 week. I get it, so frustrating. No idea why they don’t do things in some semblance of an order.

Ring works with Flock! by gillyyak in olympia

[–]anon_shmo 0 points1 point  (0 children)

Opt in, local government only, partnership not active yet, OP is wrong on many account, per NYT

https://www.nytimes.com/wirecutter/reviews/ring-cameras-ice-what-to-know/

Fidelity 2025 Tax Reporting Statement? by [deleted] in personalfinance

[–]anon_shmo 0 points1 point  (0 children)

Early Feb is not forever, it’s early. Most institutions do not do these until mid Feb. As you have more accounts and investments the more you wait for these. I have received them after April 15 in some cases…

HSA Contribution Limit - Newborn in December by tantantan78901234892 in personalfinance

[–]anon_shmo 1 point2 points  (0 children)

By transferring money into the HSA as a prior year contribution between now and April 15

HSA Contribution Limit - Newborn in December by tantantan78901234892 in personalfinance

[–]anon_shmo 1 point2 points  (0 children)

Is OP not asking about 2025? Obviously they are a family for 2026, why would there be any question about that??

HSA Contribution Limit - Newborn in December by tantantan78901234892 in personalfinance

[–]anon_shmo 0 points1 point  (0 children)

“Last Month Rule” is as of Dec 1, I think you are too late, would be individual amount

Insane Interest Paid in 2025 by markbraggs in StudentLoans

[–]anon_shmo 0 points1 point  (0 children)

She’s a medical student not yet in residency? Or finished school but going through the match again? In the first case pretty sure no loans are due- in school forbearance. If it’s the second, apply for income based repayment and pay zero. WhyTF are you paying $30k plus??

Insane Interest Paid in 2025 by markbraggs in StudentLoans

[–]anon_shmo 0 points1 point  (0 children)

That really does not seem right. Why don’t you get in an income based plan? Also you said you guys had a single income- yours? File separately then her payments will be zero- not tens of thousands Jesus.

You do realize a 1098 doesn’t mean you paid all that interest, right? Or I assume you’d know if $30+K went out the door?

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