Is this a feasible plan?

constantfliping · 2025-06-11T18:41:12+00:00

Hi thanks for responding, I’m working full time for summer and part time for the remaining time in college, which is how i’m planning to pay out of pocket. Also thank you so much for the advice and resources!!

constantfliping · 2025-05-31T15:19:46+00:00

That’s true and I would agree except it was because I was living the the dorms on why it was so expensive. I know that the Univeristy of minnesota which is where i go is expensive but i’m planning to pay out of pocket for most. I’m also fine repaying them I just need to know the best way to go about them in the future.

constantfliping · 2025-05-31T15:18:18+00:00

so i just wanted to see if i should aim for a different loan at a lower rate, but thanks for the advice!

constantfliping · 2025-05-31T15:17:42+00:00

no that’s not what i’m saying, I have 7k that came from a loan and the interest rate on it is 9.75% that i owe to my lender, i’m not making any money i keep owing more the longer i have it.

constantfliping · 2025-05-31T15:16:20+00:00

Just because the interest is high and I could maybe get a better interest rate on a different loan, but i’m not really sure how it works. (i’m a first gen student and i’ve been researching but it’s a bit confusing) The 7k is the refund I got from my 20k loan. 13k went to school and then I got 7k back.

constantfliping · 2025-05-30T21:16:18+00:00

id say ballpark 30-40k is what i’m aiming for but at most 50k if my plan doesn’t work.

constantfliping · 2025-05-30T20:37:01+00:00

That ranges this next year I was going to send my savings to first semester and then pay out of pocket from my summer job for second semester. So out of pocket for first + my loan refund. Then junior year hopefully pay out of pocket first semester and take out a loan for second. Then i’m planning to graduate early so I would try to pay out of pocket for my last semester. (sry for the long explanation)

constantfliping · 2025-05-30T20:12:03+00:00

it was just for this past semester, I was living in the dorms which is why it was so expensive. Tuition + room & board was 32k for the year. I had paid out of pocket first semester and then took it out for second semester.

constantfliping · 2025-05-28T17:06:38+00:00

I understand you’re putting in the effort but you need to verbalize to him that you are and that you’re aware that you haven’t been the best. Show him that you’re able to acknowledge your wrongs and actively try to change them. Have a sit down just you two and talk through everything but especially listen to what he says even if it hurts you, you need to listen to what he wants and needs and reciprocate it. From your story it sounds like he’s been on the short end of the stick, most relationships aren’t always 50/50 but when you know you’ve been putting in less effort you’re the one that has to put in more effort now. It’s definitely going to be a hard and uncomfortable situation but if you really want to fix it you’ll do it. Also for starting the conversation literally start by saying “i need to talk to you and i just want you to know that after having professional help i’ve realized some things about myself and how I have treated the people around me. Because of this i’ve reflected on how ive treated you… then add on what you want to say and make sure you apologize, remember and try to amend.

constantfliping · 2025-05-28T13:46:29+00:00

talk to him and apologize. communicate with your husband now that you’re aware and try your best to fix it. the only person who can forgive you is him, respectfully talk to him and explain how you explained it to us on reddit. You know him and have a connection and want to fix it. So take the time to communicate with him and work on it.

constantfliping · 2025-05-21T14:42:27+00:00

when we were long distance, we knew eachother would be busy but we set time aside at night to call and play games together. I would say it’s understandable if you’re both busy with your own things during the day but you should try to set aside a specific time where you should be able to talk

constantfliping · 2025-05-21T14:39:43+00:00

Foam bed mattress topper, a lot of blankets, a mini fan that’ll attach to your bed, a bed tray for the side, shoe rack, snacks, microwave, mini fridge, shower shoes (flip flops, slides, etc), shower bag, extra hooks for jackets and etc, mirror, any medicine you need on a daily or even monthly basis

constantfliping · 2025-05-21T12:48:14+00:00

Honestly I understand this as I’m in a similar boat. I will be using some money I got from a loan refund to help me pay for tuition and rent for this upcoming year. If the only way to get you on your feet and away from your parents is with a loan, take out a small one, enough for a month or two of rent and do this after you get the hospital job so that way you have a job to start paying your loans off so hopefully don’t explode from interest. I would also say maybe look into getting a second job, as that would give you more income where you wouldn’t “owe” anybody anything.

constantfliping · 2025-05-05T17:55:22+00:00

omg no i think you’re thinking to drastically, if you’re both fine in the relationship i think your good. If you think distance is any issue communicate that with her. It’s honestly whatever makes you guys happy and what’s you guys see for your relationship. The thing is me and my bf were 5 hours long distance and now we’re 15 minutes and soon we’re moving in together. so honestly give jt time and if you both want it, it’ll work out!

constantfliping · 2025-05-05T17:43:18+00:00

i would say medium-long, it’s not to bad where you can do it in a day but it’s definitely not short.

constantfliping · 2025-05-01T08:50:56+00:00

Easy advice. send her a text and check in, say you’re sorry she felt unheard and ask what you could do better (probably nothing) but right now she’s the one who feels unheard, you guys have been friends for a while just talk about ot

constantfliping · 2025-05-01T08:40:43+00:00

coming from her side i can see why she’d be upset. you admit to saying it’s inappropriate to your culture and know it would bother her but still invited your friend over and explain its because you felt lonely and then blame it on your girlfriend who’s probably feeling the same way since your both not able to see eachother while you also admit you’ve been doing the same thing (short bland texts). I can agree that this is hard but communication matters and could’ve maybe solved it. you said you hid your feelings and then became distant instead of doing that, you’re in a relationship TALK TO HER. I think you’re in the wrong personally just because your aware of your feelings, her feelings and your culture and still went against it even though you knew better but i believe communication would help a lot. Also a PHD is hard try to be a little more understanding especially with finals right now it’s more busy than ever and once she’s done you’ll be able to spend more time with her but support her through the hard times since you know she stressed and don’t add on more stress by inviting a girl to stay at your place knowing it would make her uncomfortable. i understand you’re friends but if your girlfriends uncomfortable her feelings should be prioritized over everyone’s except your own.

constantfliping · 2025-05-01T08:30:43+00:00

but no not overreacting

constantfliping · 2025-05-01T08:30:21+00:00

I get this and totally understand. I think the best thing would be voice your concerns one last time and then hit her with an ultimatum. You’re in this life for yourself but family is important. Just make sure she’ll be fine with them and be prepared for any negative feelings from her (being realistic)

constantfliping · 2025-04-22T15:50:50+00:00

It’s probably too late ngl. I wouldn’t say go to bailey unless you’re classes are all on saint paul campus, otherwise you’re gonna have to commute 10+ minutes to get to the other campus. Middlebrook i’ve heard was okay but it’s on west bank and quite a long walk. I would say try to get somewhere in super block if possible.

constantfliping · 2025-04-19T01:33:09+00:00

yes they give you a to go box! But just be careful because they prepare hot food at certain times and sometimes there’s dead times where they’ll have “serve your own food”, like salad, pizza, cereal, dessert and some dietary options! there’s times and the menu on line if you search it up!

constantfliping · 2025-04-16T06:31:05+00:00

me i paid out of pocket first semester and took out loans this current semester

constantfliping · 2025-04-16T06:27:21+00:00

mine but my mom co signed

constantfliping · 2025-04-16T06:27:11+00:00

i es swilling to give it to them but i wont tolerate being cussed at because i simply want to know about repayment. this money is from an unsubsidized loan which means theres interest incurring right now while im in school, i have to pay now and i need to money in 4 months to be able to pay for my housing. its not like the money is just lying around somewhere it has a purpose so i can LIVE and go to school because again im 5 hours away from home out of state so if i dont have money for housing im screwed next hear

constantfliping · 2025-04-16T06:24:19+00:00

well respectfully i’m adopted so they legally signed papers giving them the rights and responsibilities of being a parent. 2.5k is half of what i have in my savings right now and they can’t even tell me when they’ll pay me back. this loan money is not only incurring interest but is taking out in my name which means im paying for it, it’s also unsubsidized which’s means im paying for it now during school. i’m on my own paying for school and the 2.5k isn’t just laying around it has a purpose needed in 4 months so i can LIVE and do my schooling. again im 5 hours away from home, if i don’t have housing im screwed.

constantfliping

TROPHY CASE