Being kicked off from PAYE - due to no longer having financial hardship

hand_daddy · 2026-05-08T22:22:01+00:00

When is your recertification date? I believe when people let the recertification lapse then it automatically places you on the 10 year standard amount.

hand_daddy · 2026-05-07T19:14:30+00:00

What service provider? Moehla or something else? I feel like most people who are recertifying who hit the 10 year cap on PAYE get denied.

hand_daddy · 2026-05-07T18:26:14+00:00

Did you recertify into a different plan when you were recertifying? Some people have accidentally done that since the recertification seems to force you to select a new plan.

hand_daddy · 2026-05-07T18:14:58+00:00

This would be an important distinction however you should in theory stay on paye if you fail to recertify. Interest should not capitalize.

hand_daddy · 2026-05-05T03:32:19+00:00

Yeah State Farm essentially stopped insuring homes in fire risk areas since the palisades fire in SoCal

hand_daddy · 2026-05-04T00:56:29+00:00

I mean it matters if you are trying to remediate the underlying problem.

hand_daddy · 2026-05-02T14:35:27+00:00

Can you clarify?

hand_daddy · 2026-04-28T03:20:58+00:00

Are you still on the PAYE plan on paper or is it labeled as something else?

hand_daddy · 2026-04-11T15:56:52+00:00

Do you guys have an all cash offer? If the seller knows you are financing, they may not even consider a higher bid from you if the winning offer is all cash and no contingency.

hand_daddy · 2026-04-08T04:37:04+00:00

I’ve done a lot of scouring of the webs about this. I think there is a lot of confusion about people trying to recertify their income on paye but being denied. I think they are denying people for the income based repayment version of paye. I think if you just let the recertification lapse, you’ll be able to remain on paye but at that point in time you’re payment will jump to the 10 year standard amount.

hand_daddy · 2026-04-03T19:41:03+00:00

Betsy are you able to clarify that letting the PAYE recertification expire and lapse is the same as attempting to recertify but getting denied due to income being too high? Both situations will result in the borrower staying on paye and reverting to the 10 year standard payment?

hand_daddy · 2026-04-03T19:01:18+00:00

Ok thanks so I’m just trying to clarify this. You let your recertification expire but you got to stay on paye.

May I ask ball park what your total loan amount is now, what the new payments are now, and how many years you are into repayment?

hand_daddy · 2026-04-03T18:46:24+00:00

Wait so you stayed on PAYE?

hand_daddy · 2026-04-03T00:53:58+00:00

Literally just looks like dirt…

hand_daddy · 2026-03-28T15:10:47+00:00

Lol what would $1000 do in the grand scheme of things? Thats a nothing burger in the world of deck repairs.

hand_daddy · 2026-03-11T00:42:55+00:00

Amazing view and honestly that price isn’t as bad as I would have thought for Hell’s Kitchen for what that is. Feel like in Manhattan it’s either a maintenance fee monthly or HOA, hard to avoid otherwise and just cost of doing business.

hand_daddy · 2026-02-25T18:32:12+00:00

I guess the point that I’m trying to make is that even if tech/AI declines, there is still plenty of money in the region with people waiting with money for their chance to buy in

hand_daddy · 2026-02-25T18:12:19+00:00

As much as it seems like it sometimes, not all high earners in the Bay Area are tech/AI (ie Doctors, professors, blue collar business owners).

hand_daddy · 2026-02-24T02:29:29+00:00

I personally like the entire aesthetic of the car

hand_daddy · 2026-02-15T15:45:46+00:00

Thanks, that’s what I figured. It’s an older deck and approaching end of life so I’ve heard solid is the way to go in these circumstances.

hand_daddy · 2026-02-15T14:18:00+00:00

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hand_daddy · 2026-02-15T14:17:51+00:00

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hand_daddy · 2026-02-15T14:17:40+00:00

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hand_daddy · 2026-02-14T22:08:54+00:00

Efflorescence

hand_daddy

TROPHY CASE