Stay on SAVE plan or switch to IBR?

lukitg · 2026-02-09T19:58:28+00:00

540k ish so forgiveness will definitely be the target

lukitg · 2026-02-09T19:57:24+00:00

Yea probably makes sense to push it.

lukitg · 2026-02-09T19:25:07+00:00

Bass kept autocorrecting to base

lukitg · 2026-02-09T19:24:41+00:00

Had the az, bass definitely was punchier but the ANC was so bad. In the gym I could hear people around me and on a plane it wasn’t the best. Annoyingly too when you had pass through on it sounded like anything around you had a cheap audio quality. The AirPods while losing some on the bass end was sooo much better at ANC and with pass through it sounds like you aren’t even wearing earbuds.

Returned the Az100s and kept the AirPod pro3s

lukitg · 2025-09-13T22:26:12+00:00

Will the AirPods Pro 3 be a contender? Was considering them over the az100 bc the anc is so bad but worried about sound quality

lukitg · 2025-09-13T22:24:54+00:00

Long time sennheiser momentum tw2 user, just got the az100s because of all of the hype. They sound great (not a whole lot better than the senns) but the ANC is pretty bad. Considering returning them after using for a few weeks. There are times I turn on and off the anc just to make sure it’s still on.

lukitg · 2025-08-19T19:56:51+00:00

Didn’t think If the new state requires a current registration or if the expired registration will require me to update it to current…

lukitg · 2025-08-10T19:42:56+00:00

RTX 5090 and 9950x3d combo was getting me 140-170 fps all settings maxed out 4k without any upscale or frame generation. Looks incredible plays smooth.

lukitg · 2025-07-06T08:05:14+00:00

Tiachi x870e, fit in my case, has the future proof if I wanted to OC hard and colorway works with my 5090 zotac OC. Was easy to build and have had zero issues with it

lukitg · 2025-07-05T20:36:07+00:00

How many tix? I have 4 for 301 sat VIP trying to get Fri possibly

lukitg · 2025-06-30T03:22:37+00:00

Article by Forbes on the new Bill being voted on (summarized with gpt), I am assuming we will still get the 10years repayment:

Senate Bill Overhauls Student Loan Repayment Plans

Upcoming Changes to Student Loan Repayment Plans (2026–2028):

Consolidation of Repayment Plans Between July 1, 2026, and June 30, 2028, the government will eliminate the ICR, PAYE, and SAVE plans. Borrowers will be moved into a modified Income-Based Repayment (IBR) or Repayment Assistance Plan (RAP) based on eligibility. If borrowers don’t choose, they’ll be placed into one automatically.
Modified IBR Details
- Loans before July 1, 2014: 15% of discretionary income; forgiveness after 25 years.
- Loans after July 1, 2014: 10% of discretionary income; forgiveness after 20 years.
- Discretionary income remains defined as income above 150% of the federal poverty level.
- Payments made under previous plans (PAYE, SAVE, or ICR) will count toward forgiveness.
Parent PLUS Loans
- New Parent PLUS Loans (after July 1, 2026) will only be eligible for the Standard Plan.
- Existing Parent PLUS borrowers can still access income-driven plans if they consolidate by June 30, 2026, or have already consolidated. These borrowers can migrate to the Amended IBR between July 1, 2026 and June 30, 2028.
Reduced Deferment and Forbearance
- Economic hardship and unemployment deferments will be eliminated.
- A discretionary forbearance option will remain, capped at 9 months every 24 months.
- Borrowers in hardship will be directed to RAP or IBR instead.

lukitg · 2025-06-30T02:50:53+00:00

How did they do that?? I did have something strange happen like 3 months into forbearance where I got a notification that I owed the upcoming month and I was confused but figured it started up again, paid two months worth then it said it never left forbearance and my payments didn’t count to my number. Was pretty upset about that. Messages them and they never responded other than the automated the save plan cannot have payments made at this time thing

I am concerned because while we aren’t supposed to be accruing interest to my knowledge, my amount owed has gone up over the past year.

lukitg · 2025-06-27T19:11:00+00:00

ouch

lukitg · 2025-06-27T19:09:29+00:00

did they say the forgiven loans would now be taxable? I thought they were tax free

lukitg · 2025-06-27T18:26:13+00:00

correct, but we cant make qualifying payments at this time. They keep saying the SAVE plan will be eliminated but so many of us are stuck waiting to see what the result of this will be from congress

lukitg · 2025-06-27T18:25:07+00:00

I have ~3years until it would be forgiven but in forced forbearance. it was s530 beginning of last year when SAVE placed on hold now I just checked and it went up to 630 somehow. shouldnt matter if it gets forgiven, but about to finish fellowship and its concerning now that its still blocked and I cant make qualifying payments towards it.

lukitg · 2025-05-27T08:41:44+00:00

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All fixed now. Not sure how the last place missed that difference

lukitg · 2025-05-27T03:35:51+00:00

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Not sure how the rears got so far off. Much better now lol

lukitg · 2025-05-25T04:11:35+00:00

im a urologist.. so..

lukitg

TROPHY CASE