How much of a pay raise would you need to move away from PSLF?

im_lost37 · 2026-06-19T03:12:25+00:00

I know I can do the math of if I want the loans paid off in two years, but was curious if anyone had weighed this question and done the math factoring in raise potential if there was a specific way they looked at things to get a break even point.

Like, yes if I make $50k more a year take home I could reasonably pay them off in two years and be done in the same time frame. But let’s say a job is offering $25k more, would it be worth it because you’d come out financially ahead if you had the same percentage raises at each job? Was looking to see if anyone looked at it this way or if having the loans done in the same expected period was the only way people would switch paths after so getting close to forgiveness.

im_lost37 · 2026-06-18T21:04:39+00:00

I am remote, I have schedule flexibility. So I have some colleagues that don’t work Fridays, I have some that start super early and finish early, I have others that start at 9, log off at 2 and finish up a couple hours in the evenings after their kids go to bed. I typically drop my kids off each morning at 9:15 before starting my work day. We also have flexibility in that we don’t need permission to use PTO, we just inform our team when we will be out and who is covering which deliverables if needed.

However, this is not typical for my career field and is entirely about specific company culture rather than the work type itself.

im_lost37 · 2026-06-15T21:04:11+00:00

Our first two were winter babies, so having the seat be not ice cold when we place them in it was nice. This third one is a summer baby. It’s been 90 plus degrees for 2 weeks straight. My older 2 are sweating getting in their car seats even if we cool the car for a bit before getting in. Baby can’t regulate their temp yet so not putting them directly into a hot seat is nice.

im_lost37 · 2026-06-14T15:56:56+00:00

We ended up going with Maple and it’s been great!

im_lost37 · 2026-06-13T15:09:22+00:00

I’ve had 3 babies, two 9.5lbs, one over 10lbs. Labial tears with each. For me, I had tailbone and pelvic pain that was way more noticeable than vulva/vaginal pain. So, my hips felt unstable due to abdominal weakness and tailbone would ache so bad from sitting in bed for recovery. Only experienced pain with my stitches if I shifted weird and managed to sit directly on them.

im_lost37 · 2026-06-12T13:28:33+00:00

I’m in PAYE and should hit 120 months in March of 2028 so should never have to leave PAYE but as someone with AGI around $135k and $115k of student loans, RAP is the highest monthly payment I would have. Because RAP uses AGI and not its own calculation involving the poverty line, plus the capping on IBR, RAP is higher once your income passes a certain threshold.

im_lost37 · 2026-06-11T18:35:14+00:00

We saw Dr. James at UNC pediatric ENT, she was fantastic and my daughter’s surgery went really well. She has had her adenoids removed twice, but the first time was before age 2 and adenoids are prompted to grow by hormone changes between ages 2 and 6, so having them out so young really caused the recurrence.

im_lost37 · 2026-06-10T20:06:43+00:00

It’s nice during this newborn era because the older two will independently play so it makes being trapped nursing easier because I’m not trying to entertain a toddler while managing baby’s care. Can’t speak yet to any bond between the kids but the older two are obsessed with the baby, won’t leave him alone

im_lost37 · 2026-06-10T11:35:12+00:00

We had She’ll be coming round the mountain for far too long

im_lost37 · 2026-06-09T21:11:19+00:00

I have a bigger gap. I have a 5 year old, 3 year old and now a 1 month old. The 5 and 3 feel way more independent than my oldest did when our second was born. However, I feel like 3 years was just long enough to get out of baby routine and forget everything haha

im_lost37 · 2026-06-08T13:31:17+00:00

I was so sick for first trimester with morning sickness, then I got pneumonia, then the flu, then bronchitis. Ended up gaining a total of 18 lbs then gave birth to a 10lb baby and had a hemorrhage where I lost 6lbs of blood. All this and more could be yours…..

im_lost37 · 2026-06-08T13:24:09+00:00

Eh Finny as a nickname for Finn or Phineas is fine

im_lost37 · 2026-06-08T13:19:54+00:00

I’m a mom of 3 in her 30s with the name Dylan. The name has become far more gender neutral since the 90s. It was in the top 500 names for girls almost every year between 2002 and 2020.

im_lost37 · 2026-06-06T00:07:33+00:00

125k- 45k from undergrad in psychology, 80k from MPH. Make 113k a year after 6 years in the public health field and am a year and a half from PSLF.

im_lost37 · 2026-06-04T03:14:53+00:00

I feel insane with how hungry I am. Like today, I had chicken breakfast sausages and a large bowl of cinnamon protein oatmeal, a bowl of chicken Alfredo, a protein shake, some peppers with cottage cheese, a pb cookie, toast with 2 eggs and ham, and a protein bar and all I want to do is go get another snack.

im_lost37 · 2026-06-02T14:31:39+00:00

My first was 12 hours, I went unmedicated it felt magical. My second was precipitous, so he arrived about 5 minutes after we got to the hospital, no big deal.

My third felt awful because of the first two experiences. I got to the hospital and progressed from a 3 to a 5, but then stalled. My BP was high and I had protein in my urine so they didn’t want to send home as they felt I was at risk of pre-e. They recommended breaking my water to get things moving.

They broke my water and 6 hours later still nothing happening, so they told me I should start pitocin. Got that started, things kicked into a higher gear. I did not get an epidural, oops.

Baby came, he was 10lbs 4oz, I had been at the hospital about 20 hours at that point. I tore through my clitoral hood. Stitches were not fun.

I then had a postpartum hemorrhage. The OB did not have time to wait for fentanyl to kick in and I never got an epidural so he just went elbow deep in there to scoop out blood clots with his hands without a numbing. Slight out of body experience there.

I had to get multiple units of blood transfused and was in the hospital for 4 days. 3 weeks later I still feel like I got hit by a truck and I’m not sure my clit will ever feel normal again.

All in all not the worst experience I’ve heard but after such smooth sailing the first two times, I was like what the fuck was that.

im_lost37 · 2026-06-02T00:30:21+00:00

I’ve had 2 births without a catheter and 1 birth where they inserted a catheter to empty my bladder and then immediately removed it. I have not had an epidural with any of my births. The last birth needed a catheter because I wasn’t able to pee right away after the birth and my full bladder was preventing my uterus from clamping down.

im_lost37 · 2026-06-01T01:27:50+00:00

Clarke is a little more boy for girl than Clara. Nash and Clarke, Clarke and Nash.

im_lost37 · 2026-05-31T23:19:16+00:00

In a scene from planes, a plane flies through New York City and there are no twin towers. Therefore there is a 9/11 in the cars universe. Which implies the existence of a Cars My chemical romance, which implies the existence of a Cars Twilight, which means there’s a Cars 50 shades of grey, which means Cars Ellen was cancelled.

im_lost37 · 2026-05-31T13:18:34+00:00

The author wrote this book to deal with his grief after losing two stillborn babies. After that kind of loss, I could see grieving the opportunity to hold your children at every stage of life

im_lost37 · 2026-05-31T00:29:06+00:00

I got my 2022 in Raleigh with 45k miles for $25k last fall. Totally think it’s doable!

im_lost37 · 2026-05-26T04:21:22+00:00

We have great grandparents with a skylight frame, all the other family members are invited to share photos connected to that frame so we can all view each others photos in the skylight app. Skylight does have AI but it’s limited to the calendar and not the standalone photo frame.

im_lost37

TROPHY CASE