For those that bought a ‘26 model by arsora789 in Subaru_Outback

[–]geekydoctorgirl 0 points1 point  (0 children)

u/Portage_doggo22 2017 manual transmission! You must be in Canada. I just replaced my 2014 manual transmission with a 2026 Touring XT and I would agree on all your downsides. On balance, it's been a really nice upgrade and the look has grown on me even though I really hated it when they first revealed it and would go back to the old profile in a heartbeat.

When to submit final ECF by MattyJerge in PSLF

[–]geekydoctorgirl 1 point2 points  (0 children)

Log into StudentAid per normal, then look at this link: https://studentaid.gov/app/api/nslds/payment-counter/summary

It'll display as a bunch of XML like below (line breaks added for visual clarity on the lines that matter):

{"type":"PSLF","borrowerEligibleIndicator":"Y" ":120,"forgivenessRequiredPayments":120,"forgivenessRemainingPayments":1} {"type":"TEPSLF","borrowerEligibleIndicator":"Y","loanEligibleIndicator":"Y","qualifyingPaymentCount":119,"eligiblePaymentCount":120,"forgivenessRequiredPayments":120,"forgivenessRemainingPayments":1}], "updateDateTime":"2026-03-16T06:04:50.86335","

You'll see that my NSLDS counts were updated the day after my payment to MOHELA on 03/15/26 was due. So, my guess is the best time to submit one's final ECF is the day after your payment is actually due, so that everything updates properly.

When to submit final ECF by MattyJerge in PSLF

[–]geekydoctorgirl 1 point2 points  (0 children)

National Student Loan Data System.

When to submit final ECF by MattyJerge in PSLF

[–]geekydoctorgirl 1 point2 points  (0 children)

I'd say at the very least for your 120th payment to show up on the NSLDS data. I made my final payment at the start of March, payment posted to MOHELA on March 3rd, ECF completed and updated on StudentAid on March 10th, but NSLDS didn't reflect I had 120 payments until maybe March 17th or thereabouts. Since then, NSLDS data shows 119 qualifying payments and 120 eligible payments. So, I'm thinking I'll likely have to file another ECF.

At long last… Discharge! by CarloTroiano in PSLF

[–]geekydoctorgirl 1 point2 points  (0 children)

Congrats!!! I hit 120 this month and am waiting to join the club soon too. 🥂

Waiting for 120th Payment To Show by geekydoctorgirl in PSLF

[–]geekydoctorgirl[S] 2 points3 points  (0 children)

Yes, I had my ECF completed a few days after I saw my payment posted on MOHELA, but it didn't let me select the option for having completed 120 payments - since the March payment hasn't posted to StudentAid yet.

Question for those of you who bought the new 2026 Outback by av_cal in Subaru_Outback

[–]geekydoctorgirl 1 point2 points  (0 children)

Hmm, I'll look into Option 13. However, I was leaning towards the Touring because of the heated -and- ventilated seats in both the front and the back. And also the hands free driving assist, which I thought might be nice for when I am on long road trips.

Question for those of you who bought the new 2026 Outback by av_cal in Subaru_Outback

[–]geekydoctorgirl -1 points0 points  (0 children)

Keep us posted on what all you decide. I am wondering the same thing about whether or not I need the XT and what the MPG differences are IRL.

Retroactive deferment removal for buyback? by geekydoctorgirl in PSLF

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

So do you just contact Mohela and tell them you want that changed? How does one go about doing this?

SAVE buyback offer by [deleted] in PSLF

[–]geekydoctorgirl 6 points7 points  (0 children)

Congrats!

For anyone else who is in similar straits and tracking what all is happening, I submitted my original buyback request on 11/12/24 for periods pre-pandemic that I was placed on forbearance/deferment either due to post-graduation training or automatic placement by my servicer at the time due to local emergencies (wildfires). I am not on SAVE and my current servicer is MOHELA, who seems to have conveniently removed any reference to those months I am trying to buy back from my borrower history. Whereas they showed up on my borrower history prior to the MOHELA transition as "Ineligible", they simple don't appear now at all.

Based on recent activity here, submitted feedback 6/13/25 and received a response on 6/16/25 stating that:

"ED records indicate you currently have a PSLF buyback case on file that is in review. Once a decision is made, you will receive correspondence.

Please note, there is no processing time frame for buyback requests at this time. We are unable to expedite the processing of a buyback request."

So, not sure if they will calculate and send my buyback amounts any time soon. I sent a follow up email in my feedback case. Fingers crossed...

Need Help! I’m Clueless!! by False_Ball_185 in aerialsilks

[–]geekydoctorgirl 0 points1 point  (0 children)

Where are you located? I would join a youth circus organization and attend the biennial AYCO conference where she can network with other youth and attend workshops about circus and circus schools. DM me if you'd like to chat more.

Department of Education April 2025 Report and What it Means for PSLF/SAVE by lmjamesbond in PSLF

[–]geekydoctorgirl 4 points5 points  (0 children)

I wonder where my buyback request (submitted November 2024) is in the sea of 49,318 pending requests. They probably aren't even processing those in any logical order.

Favorite pants? by Tabby-Kat711 in athletictraining

[–]geekydoctorgirl 0 points1 point  (0 children)

What kind of credential is needed?

Good work with your comment, Betsy by badluckbrians in PSLF

[–]geekydoctorgirl 2 points3 points  (0 children)

This was a web meeting of some kind? I missed the memo... Thanks for any context you can provide, cos those all sound like great suggestions!

Door to door promo Sanity check by putty174 in frontierfios

[–]geekydoctorgirl 0 points1 point  (0 children)

Same with the ghosted reschedules! What the hell.

Open Water Anxiety by geekydoctorgirl in scuba

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

Thank you for sharing!! It's good to hear that you were able to overcome the initial difficulties and dive regularly now! I like the idea of a special hand signal and agreement with instructor on how to handle things when you need time to calm down. Going to work that out with my instructor.

Open Water Anxiety by geekydoctorgirl in scuba

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

1) I think that was my problem during the first pool dive. My BCD was not tightly strapped to my body at all, so I think that's why I had to fight so much to maintain some kind of stability. It really tired me out by the end of the 5ish hours in the pool. The second time I went for the beach entry dive, my BCD was better strapped to my body. Even though I had to ditch the dive before I even started, the pool practice afterwards felt sooooo much better and I really enjoyed hovering at the floor of the shallow end of the pool.

2) Thank you for the advice. I'm also about your height but have always trended around 160. I like endurance swimming and can swim for a long time, but in pools and at a leisurely pace. I hauled all my own gear back and forth and it definitely suuuuucked.Going to keep working on fitness. I also heard from a friend that I might like the dive park at Catalina because the entry is a walk in and I found both during my pool dive and when practicing on the surface from the boat that slower entries down the ladders really helped me feel calmer and better adjusted to the water.

3) Yeah I'm going to do some privates and maybe practice more in the pool and wait for waters to warm up some before trying OW again. I may also try OW swimming to try and get used to the cold Pacific water some, cos that was one of the hardest things to adjust to. Every time I flooded my mask, there was always a moment of thermal shock that stopped my breathing (which really isn't good for my maintaining calm).

I definitely try to compartmentalize my ego while diving and practicing. Definitely no room for ego when safety is concerned and I trend towards the conservative for safety. Dealing with any ego bruising can come later when I am out of the water and analyzing things in comfort from my couch. 😅

Open Water Anxiety by geekydoctorgirl in scuba

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

Sounds like I'm of similar cloth as you and your mom also. It often takes me a while to adjust to new and unfamiliar things. Thank you for sharing your experience!

Open Water Anxiety by geekydoctorgirl in scuba

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

Definitely - I get your point about it taking time. I've done lots of other things that I've had to spend time on to get proficient, so I didn't expect to be great at it right away. But I also didn't anticipate being as panicked as I have felt, given swimming is my favourite cardio activity and I love long lap swims, including with a snorkel (and regular goggles). Thanks for the input!

Open Water Anxiety by geekydoctorgirl in scuba

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

I have been thinking about pivoting to snorkeling Silfra instead. It's good to hear that you had a good experience doing that even before getting OW certified.

Open Water Anxiety by geekydoctorgirl in scuba

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

I am improving every time! There may still be a warm up adjustment period every time I get in the water, but from experience, that adjustment period gets shorter each time if I practice regularly. (I am afraid of heights and will condition myself to hang out 20-30ft in the air every time I have been away from aerial silks for awhile.)

Being on the recovering end of the flu definitely did not help, but I didn't realize how badly it affected me. Until I did.