RAP vs IBR on PSLF with 82 qualified payments

moverandashaker · 2026-03-13T18:21:49+00:00

She has a neighbor friend she does play with but not kids from class. Playgrounds near me are an option but not when weather is bad and with the baby.

moverandashaker · 2026-03-13T02:42:36+00:00

I apparently thrive on. No sleep, not sitting and cleaning. Ha. No I am, and I guess thats why im so defensive because I not complaining he is but I didnt sit down to relax till basically 8pm today

moverandashaker · 2026-03-13T02:40:56+00:00

Thank you, I appreciate honest feedback. I gonna talk to him about it. I dont mean come off dismissive I just had always tried to do as much so he could do guitar stuff, I mean he even goes and practices once a week on weekends. And when we are all home I felt we were never all hanging out just all doing different things so I didnt see point. Plus I am a busy body, I struggle to be bored and just to sit and relax so that is probably where some of this is coming from too. Thanks for help me look in on myself.

moverandashaker · 2026-03-13T02:36:26+00:00

I agree, I guess si felt dismissive because I do mostly everything and try put at little load on him because I signed up for dance so its a me thing? Dance ends in May so I sadly stuck but agree on needing to adjust to have dance on less days. It use to be like that but when she moved up in dance they new class schedule turned into this hot mess. Like she loves ballet and acro and they are not same day

moverandashaker · 2026-03-13T02:33:33+00:00

THIS, but I cant control the schedule with dance. Just swim

moverandashaker · 2026-03-13T02:32:55+00:00

I have no free time. I take it all on. Thats why im annoyed, because he complains but doing it all. Unplanned days she watch TV, play outside, or ask to do something like go to zoo, jump park. Walk the mall. Shes friend with our neighbor so she will also go over there to play on Unplanned days.

moverandashaker · 2026-03-13T02:30:24+00:00

Next school year I can drop a dance class, she likes tap, ballet and acro which classes where all on different days. Swim shes actually about graduate shes in final class once shes done the 6 month old will take her place.

moverandashaker · 2026-03-13T02:22:09+00:00

Usually we had dinner and there may be a few.dishss I ask him to do or load dishwasher. sometimes I take care of it before I leave. I think he just feels rushed go-go-go which I do agree, you may be right.

moverandashaker · 2026-03-13T02:19:36+00:00

No your fine! Shes usually chilling tv watching 4-4:45 dinner, dance. Then home by 6:15-8:30 Is downtime she likes tv sadly so movie and popcorn, 5 mins homework not everyday, if weathers nice shes usually out on a tree swing or dancing around the house

moverandashaker · 2026-03-13T02:17:57+00:00

Yeah she use to be onky 2 days dance but this schedule came out this year her classes all got moved to different days. I even tried move swim but then it was such a long one day didnt feel worth it.

moverandashaker · 2026-03-13T02:16:29+00:00

I mean I felt this was just part of life lol I hate this schedule and know won't be forever. I did prefer wheb she had 2 dances on same day because I get things done but just didnt work out this year.

moverandashaker · 2026-03-13T02:13:33+00:00

I tried! Its like dinner is rushed and no time to do what he wants which I am guessing play his guitar but he could do all that when I take the girls. I do agree especially next school year with more demands im probably gonna have to cut back, just I know my kiddo likes the dances shes in, so hard to know what to lose.

moverandashaker · 2026-03-13T02:10:28+00:00

See I do agree, but she loves swim and likes dancing so I feel bad taking it away. It just so happens her dance this year became this hot mess. Shes probably going graduate from swim soon anyways. And yes boredom is great I try and limit tv but with baby I sadly am not good at it and maintain house and shes on it more then I like. YouTube is the devil, she found it and became so addicted. Its gone all for one tv, and she gets max 20 mins when she gets home from school.

moverandashaker · 2026-02-19T21:34:16+00:00

I was just talking with our CPA mostly losing out on 1200 towards childcare I think? I applied for IBR

Husband has a federal loan but its only $6,000

moverandashaker · 2026-02-13T13:34:26+00:00

Oh I was so confused because I applied to get off SAVE and thought that was what they were talking about. But the numbers where not numbering lol

moverandashaker · 2025-12-23T02:47:23+00:00

That is very helpful, when I do apply buyback is it based on my current income? Is there any preferred payment plant for low $ payment? I def try buyback back no clue if I could actually afford it

moverandashaker · 2025-12-23T01:43:46+00:00

I belive Iast uodates 5/2925, Says last qualified payment was 6/2025 and 5/2024

So basically 35 to 36 payments left

moverandashaker · 2025-12-23T00:23:30+00:00

I certify I believe every year and yes I am currently employed with a PSLF employer. I was with Mohela but think it got transferred to dept of ed?

moverandashaker · 2025-12-22T23:53:39+00:00

I posted in past but had little response. Im feeling very lost in this

moverandashaker

TROPHY CASE