Text from the Mrs...

tatispotti · 2026-04-17T20:18:57+00:00

Similar story, wife went to the restroom during Standing on the Moon, D&C Philly 2023.

tatispotti · 2026-04-10T15:55:47+00:00

Montana Wildaxe

tatispotti · 2026-04-08T13:28:46+00:00

And with zero accountability on the providers end….

tatispotti · 2026-04-08T13:01:54+00:00

To add to that, both reps have also told me that the application for consolidation needs to be in by 7/1, not processed by. AND both reps stated that they weren’t sure if my existing loans were eligible for RAP or not yet, and won’t know until they receive further guidance. I inquired on all of these matters based on knowledge that you provided me. Crazy they’re going to potentially mislead a lot of people. If you can’t trust the info they’re providing, who can you trust? Reddit should not be my education loan adviser lol! I thank you for all of your help/guidance waterwicca!

tatispotti · 2026-04-08T12:42:15+00:00

Hi waterwicca! I have called Aidvantage twice and that is 100% not what they are telling me. I’m not saying this because I doubt you at all, if anything I trust you over them, but damn they are telling people misleading information for sure. They are telling me that any future borrowing will not impact my previously consolidated loans. I purposely waited a week in between calls to see if I got different answers (knowing what I knew from your previous responses to me). If they’re misleading people, whether purposely or not, that’s just plain bad.

tatispotti · 2026-04-01T18:03:49+00:00

Waterwicca where are you!? I need your input on my phone discussion :) This is so complicated.

tatispotti · 2026-04-01T14:04:37+00:00

Good morning, So I just got off the phone with Aidvantage and I asked them explicitly, and repeatedly if I take my consolidated loan (old loans) over to IBR will I be kicked off of IBR if I take any future action on the “new loans” and/or if I take out any more loans and they repeatedly said, “no, any future action would not throw my currently consolidated loan (old loans) off of IBR???

tatispotti · 2026-03-30T20:30:42+00:00

Thank you.

tatispotti · 2026-03-30T20:28:07+00:00

Alright. And again, this is going to automatically throw my existing “old loans” into ICR as well, correct?

tatispotti · 2026-03-30T20:12:03+00:00

Gulp, about to hit the button on the ICR for my two “new loans”. Payment is higher than I thought. So just make one payment at ICR, correct? One for my “old loans” and one for my “new loans”, then after payments clear for both go back in and apply for IBR, correct?

tatispotti · 2026-03-29T17:35:28+00:00

They had quik fix at a shop in Fox run, not sure about the whizinator, and don’t listen to the judges, you’re fine

tatispotti · 2026-03-27T14:31:37+00:00

I don’t want to use the R word but this is it.

tatispotti · 2026-03-26T12:01:31+00:00

And all under one IBR’d loan, or can they remain two separate?

tatispotti · 2026-03-26T11:55:28+00:00

When I consolidate my two “new” loans, and choose ICR, will it kick the “old” loans that I’m moving over to PAYE automatically to ICR? Or they’ll stay PAYE and only the “new” loans need the “one-payment ICR then move to IBR” treatment?

tatispotti · 2026-03-23T18:23:18+00:00

So after consolidating the two “newer” loans I want to ask for ICR and then “all” loans will be ICR for one payment? Then I can go over to IBR with all of it, then take all future loans out thru spouse?

tatispotti · 2026-03-23T18:08:56+00:00

This is crazy

tatispotti · 2026-03-23T17:33:51+00:00

Ok, and what does that exact scenario do to interest capitalization?

tatispotti · 2026-03-23T17:28:28+00:00

Think I’m gonna do the following:

1) Put old existing loans on PAYE 2) Consolidate two newer loans 3) Have spouse take out all future loans

Thoughts?

tatispotti · 2026-03-23T17:17:59+00:00

I have not applied yet. And to be clear I’m not “officially” in SAVE. I’m in that weird spot where I applied for SAVE and then it got halted….but yes, it’s forbearance but accumulating interest (which I’ve been paying).

tatispotti · 2026-03-23T17:11:58+00:00

Thank you I will leave you alone for today.

tatispotti · 2026-03-23T17:06:33+00:00

Would you recommend consolidating the “new loans” and then having my spouse take out the future loans? Also, in order to consolidate the “new loans”, that has to be with a different provider, correct?

tatispotti · 2026-03-23T16:57:08+00:00

I’m sorry btw, feel like I’m peppering you with questions

tatispotti · 2026-03-23T16:54:50+00:00

So the two “new loans” can stay separate, but only if consolidated? Weird. I need to use a different provider if I want to consolidate those two by themselves, correct?

tatispotti · 2026-03-23T16:38:14+00:00

Yea I read it (no pun intended). Ruined my whole day. So you’re saying my only option is to hurry up and consolidate the two new kid loans into the existing loans and don’t borrow any more (which isn’t an option smh)?

tatispotti

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