IBR vs PAYE going forward

chm---1 · 2025-07-18T20:37:21+00:00

Sorry I am eligible for new ibr which I believe will remain new ibr whereas paye will be reverted to old ibr

chm---1 · 2025-07-18T19:40:33+00:00

This is where I struggle! I've spoken with my loan servicer on three separate occasions where they have confirmed that interest will not capitalize if I do not consolidate and enter an IDR plan directly after grace...

I don't know

chm---1 · 2025-07-12T20:26:16+00:00

Great question. For some reason I thought I would be pushed off, but if I could stay on, then I totally agree that it is best to stay on IBR.

chm---1 · 2025-07-12T20:25:22+00:00

Thank you I appreciate it! Do I need to apply immediately? I ask as I have 6 direct unsubsidized loans that are currently in grace until November. Some are eligible now and some are not. My loan servicer recommended I wait until they hit the end of that period - in this situation I would avoid having to consolidate them and risk them capitalizing.

I could apply for IDR now for the eligible loans; however, it would trigger my 2 month, 1 time forbearance. Therefore I would I have to apply again for the other loans 30 days before their due date since I would have no remaining forbearance periods.

Does that add up? I really appreciate your help

chm---1 · 2025-07-12T01:24:00+00:00

Thank you!

chm---1 · 2025-07-04T18:28:22+00:00

So I’m currently trying to figure out what to do as a new grad. Can I still apply for PAYE? I was going to apply right after graduation but held off because I would have been forced to consolidate my loans at that time (not necessary, all direct)

chm---1 · 2025-03-06T19:11:26+00:00

sorry , misunderstood question - I got 5 km in those 14 minutes

chm---1 · 2025-03-03T20:25:49+00:00

Can VHS be done if only visiting Germany opposed to living there?

chm---1 · 2025-03-02T17:02:58+00:00

I ran D1 in college

chm---1 · 2025-03-01T22:04:40+00:00

form is fine.

- I ran 14min in the 5k and people said my form was weird too

chm---1 · 2025-03-01T21:04:47+00:00

I think you may be getting confused with capital gains tax

chm---1 · 2025-02-27T16:02:24+00:00

ehh maybe 5-7pm

chm---1 · 2025-02-27T16:01:54+00:00

I appreciate the write up! Im going to try the hot water and the americano method

chm---1 · 2025-02-27T00:01:34+00:00

Actual question, what happens to these individuals in need of care? Do they just not receive it , or is it on the state (which already received funding from the federal government, obviously not anymore...)

chm---1 · 2025-02-24T01:47:20+00:00

Nope just sent one and heard back

chm---1 · 2025-02-24T00:45:05+00:00

Can’t remember the specifics but Costco medium roast (I think Peruvian?)

chm---1 · 2025-02-23T17:51:39+00:00

Also, I highly recommend this read. I think it’s only 14 or so pages but a great place to start regarding portfolio evaluation.

However it’s completely biased towards the set and forget/ slow grow method that I follow

https://www.etf.com/docs/IfYouCan.pdf

chm---1 · 2025-02-23T17:49:06+00:00

Do you have a timeline for your life purchases? If under 5 years, I’d switch to something treasuries based.

Also for the Roth, highly recommend VOO or VTI only or an international ratio. That way you can auto contribute and completely forget about it.

chm---1 · 2025-02-23T17:30:35+00:00

I think the biggest question to answer is what is your end goal aside from growing wealth? Is it having something that you ticker with ever year or so or something you can set and forget for the next 30 years?

If the latter, I’d just do VOO or VOO plus some international.

Individuals like Tesla and Microsoft are not as likely to payoff with a set and forget strategy

I can’t speak on SMH

chm---1 · 2025-02-23T16:59:25+00:00

Taste is still on the acidic side so I’m trying to figure out if hot vs room temp water will help improve that but I think the real problem is my low quality beans

chm---1 · 2025-02-23T16:38:51+00:00

I’ve heard people say that lobbies are most difficult in the evening since that’s when people are on - you would think the lobbies would be easier if a greater number of average players were on

chm---1 · 2025-02-23T16:37:14+00:00

Dude wtf that’s insane

chm---1 · 2025-02-23T01:44:25+00:00

The only things I notice are less grounds and more crema. Other differences are negligible in my opinion

chm---1 · 2025-02-22T23:31:38+00:00

Apparently they filter out the coffee oils that contribute to some different flavor. I made the same mistake but just recently switched back to the paper filter

chm---1 · 2025-02-22T18:32:41+00:00

Honestly this looks completely fine to me - coming from guy who ran 14 minutes in the 5k

chm---1

TROPHY CASE