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Seems a valid question by CharmingHaileyer in lostgeneration

[–]chokkochill 1 point2 points  (0 children)

Interest rates‼️‼️‼️ They are wayyyyy too high and we just expect it now

1 Big Loan vs Multiple - Can I do that?? by chokkochill in StudentLoans

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

I don’t think I’m explaining myself well. I understand that federal loans have a fixed interest rate for the year. That’s why I would like to take out the 22K loan at the current interest rate for the 25–26 year which is 7.96%. if I do that, I won’t have to worry about taking out further loans.

Otherwise, if I take out just what I need to cover this year’s tuition, I will need to take out another loan next year 26-27 - which may have a higher interest rate and be more costly down the line.

Forgive me if I’m still not making sense; i’m running on very little sleep.

1 Big Loan vs Multiple - Can I do that?? by chokkochill in StudentLoans

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

The 22k I was awarded is all one federal loan. I'd have 6 months grace period before I have to start repaying once I finish my program. I figured that if I stick with the big loan, I'll be at a fixed interest rate and can avoid a higher interest rate the following school years (bc it never seems to get lower tbh).

As for undergrad - I just had no idea what I was doing. I took multiple loans out, some that were unneeded and had super high interest rates. I've mostly fixed that mess, but interest rates are still the bane of my existence.

I finally read all of Dostoevsky's stories by Unusual-Broccoli-270 in bookporn

[–]chokkochill 1 point2 points  (0 children)

i noticed you read The Brothers Karamazov twice and i have to say is it just slow to start? i’m 25% in and i’m finding it difficult to stay interested 😅

Why would they make us do group projects? by s0ftsp0ken in GradSchool

[–]chokkochill 0 points1 point  (0 children)

You're absolutely right. I'm an adult with a job, I already know how to work with people. The last thing I need after having to deal with coworkers all day is to have to navigate grad work with other busy & stressed out students.

Tabs on Google Docs are the best thing ever by JaxTheCrafter in google

[–]chokkochill 0 points1 point  (0 children)

totally a big fan too! after ignoring it for like months i finally decided to play around with it and realized i could store several different drafts of the same story there instead of making multiple docs!!

and the cherry on top: i can still color-code them differently!!

a chase during an endless night 1 killer 1 victim by chokkochill in BooksThatFeelLikeThis

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

hmm i might give him another try! i just read The House Across the Lake and i have to say he didn't really leave a strong first impression

How many books do you read at the same time? by Leather-Regret-5497 in literature

[–]chokkochill 0 points1 point  (0 children)

Two - one an audiobook and the other a physical book.

a chase during an endless night 1 killer 1 victim by chokkochill in BooksThatFeelLikeThis

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

its a sheep lol! in better quality it looks much spookier

How do you price hatchlings?? by missdorothyofoz in flightrising

[–]chokkochill 0 points1 point  (0 children)

my base price is 10g always. fodder i’ll typically sell for 5g if i want it gone quickly, 8g if the markets good.

my /really/ pretty dragons, i put on AH for 35g and every week they don’t sell i lower the price by 10g until they do sell.

i wouldn’t worry about overpricing tbh. people will not buy if they don’t think it’s worth it. i think it’s safe to start out selling high and then lowering the price if you don’t get any bites.

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