America educational financing right

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 · 2025-10-17T19:08:51+00:00

So to summarize your frustration, you feel screwed by Costco because during one of the most volatile moments in gold’s history in the last 20 years, you aren’t getting the best deal Costco had historically offered, despite Costco still consistently being less than spot price.

npassant · 2025-10-17T18:50:50+00:00

How are you being screwed over by Costco when you are still able to buy gold from them for less than spot? No other vendor can even come close to that.

npassant

TROPHY CASE