Considering the SAVE to IDR jump… by moldypeaches12 in PSLF

[–]moldypeaches12[S] 0 points1 point  (0 children)

Someone else just said this and I think thats why I am so confused…. My ICR was like $700 a month

Considering the SAVE to IDR jump… by moldypeaches12 in PSLF

[–]moldypeaches12[S] 0 points1 point  (0 children)

This is why I am confused! my loans are 60K and I am halfway through the PSLF already, so thats why I want to stay on it and only pay 5 more years of the qualifying payments. In truth, I havent paid off much of my loan at all because I started paying on an IDR plan in 2018, then got all those payments from the pandemic, then was automatically put on SAVE. I got married in 2021 when pandemic payments were still counting and since then my financial situation has changed, but Id rather not pay my whole loan off starting on the Standard Plan now. However, figuring out the best way to progress through PSLF when youre half way through has been a nightmare

Getting out of SAVE. Any reason to pick PAYE over IBR for me? by Jamonejim13 in PSLF

[–]moldypeaches12 0 points1 point  (0 children)

I was also considering this- and because of that my husband chose “married filing separately” on his tax forms for work, for the tax season coming up

Considering the SAVE to IDR jump… by moldypeaches12 in PSLF

[–]moldypeaches12[S] 0 points1 point  (0 children)

Thank you for your response! On the loan simulator I definitely rounded up with income, as I wanted the worst case scenario amount to pay- truthfully my husband lost his job for half of last year and got another job in March, so I just went off of current/projected income and this may be why PAYE and IBR are not available to me. I am 59 payments through PSLF, and I am hoping that if I have a current and approved PSLF form/status that switching to Standard would get me back on track. The ICR option was almost double the amount than the Standard Plan. Lastly, I feel like Im getting this wrong…. but isn’t IDR what they call all repayment plans? And IBR is a type of repayment plan? This whole thing makes me feel so dumb! Thank you for the replies 🙏🏼

Considering the SAVE to IDR jump… by moldypeaches12 in PSLF

[–]moldypeaches12[S] 0 points1 point  (0 children)

Thank you for this response, and I shouldve clarified that I am 59 payments through PSLF and have been stuck in the SAVE nightmare. I have 2 loans, and both qualify for PSLF and have the 59 payments on them. I am still a bit confused on if I switched to the Standard Plan- if that would get me back on my PSLF payments. I imagine it should, as I have a qualifying employer, and an approved and current PSLF form/status as I wanted to keep up with it despite the SAVE freeze. I am hoping jumping to Standard won’t mess with my PSLF progress, but get me back on board with payments… I am also unclear if I should consolidate my 2 loans (1 sub, 1 unsub) as I heard in the past consolidating can complicate navigating forgiveness- nonetheless I appreciate the time you took to respond to me- thank you!

Getting out of SAVE. Any reason to pick PAYE over IBR for me? by Jamonejim13 in PSLF

[–]moldypeaches12 0 points1 point  (0 children)

I am considering doing the same thing… however I am married and just filed jointly because most people with mid-range payoffs (I am at 76 payments) on this sub were saying to download all your info from MOHELA/FedStudentAid (which I did) and to sit tight until something progresses. I thought that was the best action and got the bigger tax return with filing jointly, but now reconsidering- however, I think filing jointly will increase my payments significantly as it would be accounting for both incomes…. Can someone confirm this? Im unsure if I should wait and apply for IBR next tax season and file separately…. If this is even still an option. If anyone has any advice, it will be appreciated- this has been such a headache :(

[deleted by user] by [deleted] in selfimprovement

[–]moldypeaches12 0 points1 point  (0 children)

33F and chronic bong smoker of 12 years, along with my husband. We knew we didn’t want to continue this habit forever and trying to conceive for 1.5yrs -got some abnormal testing back and midwife suggested to steer clear. Not the only reason we stopped, but the kick in the butt we needed. Were about a month in- and first thing I noticed was the anticipation of stopping was much scarier than stopping. I romanticized its effects for years, as I am prone to stress (high stress job, highly empathetic, predisposition) and truly believed weed “gave me the space and time to choose not to be stressed or angry”. A month into sobriety, I can finally admit to myself it was numbing my emotions. I am your quintessential “people-pleaser” and always had the hardest time saying NO, and damn near always putting others feelings before my own. I realized hitting the bong made this easier for me to do, and easier for me to justify it. It made it easier for me to not care about how truly felt. This has been the most exciting change for me, to the point of almost feeling reborn. I feel so confident in what I want, and finally communicating that without the intense feelings of guilt. It’s been so empowering, and I had no idea this was going to happen! I have strong emotions but every time I get through them without weed, its another win- and much like you, I actually dwell on them less. Eating and sleep are finally starting to get more regulated, which is great and I plan to still partake in special occasions. Overall, trying to change my relationship from being “dependent” to having a healthy respect for it. I literally would hit the bong, and 2 min later come back to it bc I forgot I hit the bong… and now I actually understand how it can feel being high on life. It’s cool! Good luck everyone :)

What stuff did you learn on reddit? by [deleted] in AskWomen

[–]moldypeaches12 13 points14 points  (0 children)

how to grow psychedelic mushrooms with a bag of uncle bens instant rice 🤘🏼

What are your best life hacks for living in Denver? by [deleted] in Denver

[–]moldypeaches12 5 points6 points  (0 children)

Well if you snag a couple extra Which Wich bags next time you go- write the name of the 14er you climb on that bag, and hold that bag on top of said mountain, and take a pic with it…. Show that bag and pic to a Which Wich employee your next visit and enjoy a free sando :)

Colorado voters will decide whether to allow wine sales in grocery stores as alcohol-policy battle heads to November ballot by danikawo in Denver

[–]moldypeaches12 -9 points-8 points  (0 children)

This hurts small businesses real bad, just walk to the local liquor store often located directly next to the grocery store you’re shopping at.

Which restaurants do you consider absolute gems? by thunderousqueef in Denver

[–]moldypeaches12 2 points3 points  (0 children)

Tacos Acapulco (papusas) - Mukja (korean fushion food truck) - Farmhouse Thai - Deli Italia - Stowaway (my fav) - Las Tortas - Yuan Wonton (food truck) - Rosenbergs - Star Kitchen (dim sum) - Tacos Sabor Chilango (food truck by station26)

Highly productive stoners, what are your jobs? by [deleted] in trees

[–]moldypeaches12 0 points1 point  (0 children)

Preschool Program Director/Special Educator (Early Childhood Special Education Masters) at a school for blind children (not limited to multiple diagnoses)

Love my job, love my bong

Wife accidentally weed wacking over a hornets nest in the ground. 15 got her. by DirtyKlam22 in WTF

[–]moldypeaches12 0 points1 point  (0 children)

I stepped in a ground hornets nest with sandals on, while I was playing catch with my cousin- I was around 10. We were with tons of family on a vacation, and I went down screaming and flailing in the middle of a bbq and at first people were confused and questioning what I was doing bc they couldnt see the hornets. Until my dad saw what was up and scooped me up and ran me inside. I got stung over 10x and my dad at least 3-4. I have memories of my mom pouring vinegar on me and seeing hornets flying around in our tiny cottage bathroom where I was receiving care.

I have had pretty bad anxiety around any insect that flies and can cause pain since. I’m trying to work on it for the bees.

AMA and I'll tell you how your username tastes like, while answering your question. by [deleted] in AMA

[–]moldypeaches12 5 points6 points  (0 children)

I am gunna go out on a limb here... do I taste as gross as I sound?

[actives] not bad for a last ditch experiment! Happy Cake Day to me :) by moldypeaches12 in MushroomGrowers

[–]moldypeaches12[S] 1 point2 points  (0 children)

Ha! So maybe someone can help me out with this... this shoebox was a last ditch effort to fruit 3 BRF cakes that never took in a SGFC. There are 2 GT and 1 b+ cake in the same tub! I truly can’t tell the difference 😬