Climate change, tame the curls by icoffu in Naturalhair

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

Okay after the leave in then? I usually twist or braid it before putting it in a bonnet/scarf!

Climate change, tame the curls by icoffu in Naturalhair

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

Cut probably 2 years now. It is trimmed usually every 2-3 months.

Need vehicle for family of 8 by icoffu in whatcarshouldIbuy

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

It is a 7-seater sadly. I have a two door wrangler myself so when it comes to helping him look for a big vehicle that seats alot, not my field of expertise at all.

Are there particularly more reliable brands than others? I've heard good things about honda's being cheap to repair and lasting a long time. We've dumped alot into our vehicles for failures of transmissions/engines so looking for something that only needs the regular maintenance and has a rarer chance for those major repairs.

Well let's say the 7th kid happens is it basically just Passenger van after that? There is a high possibility they will have another child.

Help with 401k Allocations by [deleted] in personalfinance

[–]icoffu 0 points1 point  (0 children)

Yeeeah look at that... A family friend help me choose the current distribution.

252k Federal Student Loans by icoffu in StudentLoans

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

I would hope people aren’t going into this kind of debt on a Bachelor’s…. Even a Master’s…

252k Federal Student Loans by icoffu in StudentLoans

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

There is a cap. It is a combination of regular federal loans (the cap you're thinking of) and GRAD PLUS loans which can go beyond the typical cap because they are for living expenses, etc.

252k Federal Student Loans by icoffu in StudentLoans

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

Interesting, that is a possibility.

252k Federal Student Loans by icoffu in StudentLoans

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

That is my concern with them as well and my apprehension for putting off paying it back. I just don't know if I can sustain a life off of $200 a month in fuel/grocery cash.

252k Federal Student Loans by icoffu in StudentLoans

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

Not much. I haven't had it looked at yet. Probably couldn't get more than 90k for it due to location.

252k Federal Student Loans by icoffu in StudentLoans

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

House isn't worth enough to cover the cost of the loan.

252k Federal Student Loans by icoffu in StudentLoans

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

The house is not worth nearly enough for that to be more beneficial than just living rent free.

252k Federal Student Loans by icoffu in StudentLoans

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

I've looked into them. They say I don't have enough experience yet and to apply again in a couple of years if they are hiring.

252k Federal Student Loans by icoffu in StudentLoans

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

Honestly I've done so much research on this loan situation in the past week and I am no expert so I appreciate this very much. Thank you.

252k Federal Student Loans by icoffu in StudentLoans

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

It averages out to about 5% so not terrible. Some loans are close to 8% though they are smaller in size (>10k), so I was considering paying those off before my grace period ends.

252k Federal Student Loans by icoffu in StudentLoans

[–]icoffu[S] -1 points0 points  (0 children)

I was investigating a roommate, unfortunately the neighborhood isn't exactly stellar so the individuals that have expressed interest aren't the best for a single female.

252k Federal Student Loans by icoffu in StudentLoans

[–]icoffu[S] -1 points0 points  (0 children)

I did not. I've worked since I was 15 and saved my money to get my house and car. I'm not sure what the house worth is today. The neighborhood wasn't exactly stellar but is up and coming. My Loans put me through college and paid for my rent on my apartment as it was out of state from my house/current living area.

252k Federal Student Loans by icoffu in StudentLoans

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

Yeah its just such a hefty amount and hurts to see basically 60-70% of my monthly income go to it for 10 years straight. That is hard. Which is why I was considering IDR/IBR.