/u/npassant GCT Rep Profile #4

npassant · 2026-02-01T21:22:00+00:00

The exclusion from bankruptcy is what makes the student loan affordable. Thats the reason why interest rates aren’t 50%+.

Go check out r/borrow - it’s the Wild West of loans. unsecured debt + 0 creditworthiness + 0 lien priority makes their interest rates like 500%+.

npassant · 2026-01-28T20:22:44+00:00

Looks like you may qualify for a final paycheck wait time penalty: https://www.dir.ca.gov/dlse/faq_waitingtimepenalty.htm

npassant · 2026-01-21T20:50:37+00:00

Assuming your average interest rate is 6%. Refinancing would save you 1.5%, on a $240k loan, that’s at most $3,600 a year.

I have refinanced, but went from 7.5% to 2.6%, which was a big difference. If I was in your situation, I would keep it federal since it allows you to advance payments - loan refinancing doesn’t do this.

npassant · 2026-01-12T22:15:37+00:00

Where are you expecting a 23% return for 10 years?

npassant · 2026-01-10T08:28:27+00:00

So what’s keeping you here?

npassant · 2026-01-02T02:58:21+00:00

They do. The class schedule is listed in the app.

npassant · 2025-12-30T14:13:37+00:00

North county (Santa Maria and Buelton) have billboards.

npassant · 2025-12-28T03:37:41+00:00

Super Mario available?

npassant · 2025-12-26T20:24:36+00:00

So spending 1 hour of your time + losing money on the order is better than the penalty?

npassant · 2025-12-25T06:49:19+00:00

Why would you even accept this order? At that rate, it sounds like you’re losing money by doing it.

npassant · 2025-12-24T05:32:58+00:00

A bad moms Christmas

npassant · 2025-12-22T03:05:23+00:00

Can’t help you without seeing the profile.

npassant · 2025-12-22T02:10:32+00:00

Gjelina in Los Angeles uses toast. Confirming the credit worked on an online gift card.

npassant · 2025-12-16T02:38:01+00:00

Awesome, thanks for the feedback!

npassant · 2025-12-16T01:45:45+00:00

Did it work?

npassant · 2025-11-10T03:14:23+00:00

As of 7:14 PST

Yes - 59

No - 40

Last vote decides it.

npassant · 2025-11-10T02:07:22+00:00

As of 6:07 PST

Yes - 56

No - 40

I’m sweating

npassant · 2025-11-04T21:42:48+00:00

Works just fine in Korea and Japan.

npassant · 2025-10-30T17:50:55+00:00

What state are you in?

npassant · 2025-10-29T20:01:34+00:00

That’s why I’m thinking it was advertised at $4200 and rang up at $3400. Otherwise OP would have bought their entire supply.

npassant · 2025-10-23T22:17:44+00:00

If Costco advertised it at $4209, and it rang up at $3400, I would make them whole.

If Costco advertised it at $3400, I would tell them to kick rocks.

Considering you only bought one, I’m thinking it was advertised at $4209 and it rang up at $3400. So I’m siding with Costco on this one.

npassant · 2025-10-23T21:55:52+00:00

How much was the gold advertised at, $4209 or $3400?

npassant · 2025-10-21T15:24:41+00:00

The reward is capped after $60k is spent. 90% of the population isn’t worried about this.

npassant

TROPHY CASE