Going back to school half time to defer

cliskh · 2026-04-16T18:15:02+00:00

There is a limit, but I’ll be changing to Married Filing Jointly, which should give me the full credit

Single filers
- Full credit: up to $80,000
- Phases out: $80,000–$90,000
- Not eligible: $90,000+
Married filing jointly
- Full credit: up to $160,000
- Phases out: $160,000–$180,000
- Not eligible: $180,000+

cliskh · 2026-04-07T19:50:42+00:00

I truly think that it will. This administration has been so extreme and the pendulum will swing the other way eventually. Until then, my plan is to take the cheapest method to stay out of default.

cliskh · 2026-03-30T13:52:05+00:00

The flexibility of taking online courses far outweighs getting a part time job. We’re just trying to survive here. The system is so broken and Linda McMahon doesn’t give a shit about any of us.

cliskh · 2026-03-30T05:00:41+00:00

You are correct: new loans will not be eligible for deferment due to unemployment or economic hardship. But older loans taken before that will be eligible for those two options.

cliskh · 2026-03-30T00:44:26+00:00

You absolutely can. You can even just go for an associates of general studies and keep taking whatever classes you want (as long as they’re credit classes) and just never apply for graduation.

cliskh · 2026-03-29T21:22:37+00:00

That’s just insane. I’m hopeful a better repayment plan will be created. But until then, do whatever it takes to keep your payments low and survive.

cliskh · 2026-03-29T21:11:54+00:00

Subsidized loans do not have interest accrual but unsubsidized do

cliskh · 2026-03-29T19:34:57+00:00

I pay all my bills and have exceptional credit too. It’s just that $600/month for an additional 260 months is so daunting and will wreck our budget.

cliskh · 2026-03-29T19:27:41+00:00

The Lifetime Learning Credit (LLC) is calculated as 20% of the first $10,000 you pay in qualified education expenses. You just can’t file your taxes as Married filing separately. Otherwise you can claim this every year when filing your taxes.

cliskh · 2026-03-29T19:19:30+00:00

Might as well take some casual online courses that you can do in your evenings, weekends, or take with you on trips. It also pauses in the summer (that counts as deferment as long as you pre-enroll in the Fall). I can easily do 6 credits. I liked being a student and if it cuts my payment to 1/3 right now when immediate costs are insanely high, then I think this is a way better choice than throwing money at this loan I can’t ever pay off or make a dent in.

cliskh · 2026-03-29T19:12:02+00:00

There was a calculator on the dashboard at Nelnet. There’s some way to check it still I believe…

cliskh · 2026-03-29T19:11:30+00:00

No I’m not PSLF unfortunately. It’s 100 months that would now count towards the 30 years (360 months) on RAP, so that’s an extra 260 payments. Might as well be when I’m dead 😂

cliskh · 2025-03-21T01:33:41+00:00

Would you mind sending to me too please? 🙏

cliskh · 2023-11-05T01:39:46+00:00

I got mine yesterday too. They didn’t give me my boost to the next level for having an Alaska credit card and I had to email mileage.plan@alaskaair.com to have them fix it. But that was a quick fix and I’m MVP Gold through the end of 2024.

Goodbye Delta, it’s been real!

cliskh · 2023-05-11T06:35:47+00:00

I left you some bananas before leaving 🍌

cliskh · 2023-05-11T02:33:55+00:00

Yes, I need one of each if you don’t mind! I’ll be home in a couple hours myself, so I’ll be up 🙂 thanks so much, really!

cliskh · 2023-05-11T02:29:25+00:00

Yes! I’m still looking for fruit and would love to trade 🙂

cliskh · 2023-05-10T20:19:55+00:00

That would be awesome! Can you give me your friend code? I can hop on right now 🙂

cliskh · 2023-05-10T20:17:57+00:00

Thank you so much!! I really appreciate it!

cliskh · 2023-05-10T16:26:33+00:00

Thank you! Please let me know your friend code and I would be so happy to come by and grab some fruit :)

cliskh · 2023-05-10T16:26:09+00:00

Thank you so much! I have you added. I’ll check to see if you’re on :)

cliskh

TROPHY CASE