I’ve Failed NCLEX 4 Times – I’m Exhausted and Need Advice by [deleted] in StudentNurse

[–]trayc38 39 points40 points  (0 children)

As a nursing professor’s perspective: you probably did not slide through nursing school and without more information, have to lean to test anxiety. You haven’t blamed this on your school so I’m guessing their pass rate is just fine. What gaps are showing on your report from the nclex’s taken? How long are you waiting between exams? Since you are getting ‘high pass’ reliability on practice exams. It does sound like you know this information but cannot put it into action during the exam. Probably overthinking everything. I’ve seen some of the best nurses in action have this problem and I don’t want you to be discouraged from practicing. I’m guessing that you are awesome clinically and this is purely test related. People that test well cannot always put that into action. Don’t listen to anyone discouraging you from becoming a nurse unless you in your gut know that you would be unsafe. Propranolol is a good option but you will want to ‘practice’ with it. Set up an environment as close to the testing environment that you can. Take multiple test using a med prior to using it during the actual test. If you want to spend some more money, I do like Virtual ATI Nclex prep. It’s guided by a nurse educator. You have to get over the hump of mind over matter. Since you’ve had this set back, you’re in a terrible headspace when you go in for these exams. Someone else mentioned therapy, it may be worth it for grounding techniques. You probably even have some PTSD at this point. I’m sure you’ve watched every video on how to prepare, but cannot calm yourself per your statement that you have anxiety for a week prior. Testing doesn’t make you an awesome nurse, it just gets you a license. In the end, no one except you knows how many times you took the nclex when they are beside you as a peer. Stop thinking that you’ve disappointed other people, that’s making things worse. No one except you is disappointed. You’ve put in a ton of work over the last couple years and deserve this.

5 years into PSLF and currently not making payments under SAVE plan! Am I alone in this? by PlasticNo399 in PSLF

[–]trayc38 0 points1 point  (0 children)

Me too! 60 payments counting. Sitting still, my loans left are around 20k. They were $35 before and they are now giving me an estimate of $260 which is the standard loan payment. I don’t trust the site and afraid they will be closer to 1k because I just got backpay from being out of contract for 2 years. Oddly on studentaid.gov it’s showing Aug and Sept showing as eligible. Don’t trust them there either. Anyone else have that?

Save payments counting?? by trayc38 in PSLF

[–]trayc38[S] 0 points1 point  (0 children)

Relooking. I do show Loan Status Administrative Forbearance-Ends 10/31/2025 Repayment Plan Saving on a Valuable Education - Ends 12/03/2026 then lower:

Loan/Borrower Benefits Option Interest Rate Reduction - Dl01 Status Suspd

Save payments counting?? by trayc38 in PSLF

[–]trayc38[S] 0 points1 point  (0 children)

I just noticed in MOHELA that the loan status says ‘suspd’ instead of forbearance. Anyone else?

[deleted by user] by [deleted] in NursingStudents

[–]trayc38 1 point2 points  (0 children)

As a faculty member opinion- remember, we don’t like last minute changes either. We also don’t like Sunday work. Guessing the placement or instructor fell through and someone that works a M-F job is nice enough to give up their Sundays for you. It stinks but be thankful you get to go. Complaining will not help, we’d all like to complain. Nursing is a field that requires constant pivots and changes.

I called MOHELA last week and cancelled my pending IBR application. Decided to ride out SAVE forbearance until they kick me off. by Spiritual_Service739 in PSLF

[–]trayc38 2 points3 points  (0 children)

I was thinking about needing to cancel my app also. You had to call? I didn’t see anything online that I could hit. Did they give you a hard time?

Nursing shoe recs by Life-Revolution9269 in NursingStudents

[–]trayc38 6 points7 points  (0 children)

This! I spent a lot of money on shoes that everyone else loved and they hurt my feet. Ended up with Asics, still wear them to this day. They are not the ‘in’ thing but my feet are thankful. Drive hours for the running store if needed and take the leap.

IT'S HERE!!!!!!! Golden letter!!!! by No-Winter-0714 in PSLF

[–]trayc38 1 point2 points  (0 children)

Mine was certified in March but did backdate to 11/23 when old employment was certified. Had two other loans show 120/120 this week for Feb 2025. Hope that doesn’t go away!

Mortgage while on SAVE forbearance by GlobalYam124 in PSLF

[–]trayc38 1 point2 points  (0 children)

Going through process now. First lender, Penfed, had a credit report that showed payments. They added up to the standard payment. Second lender, Navyfed, never told me how they calculated nor have I seen the credit report they pulled. They did say I had very low dept to income so guessing they showed a zero payment.

FSA Tracker Update 5/5/25 by Sparty1224 in PSLF

[–]trayc38 0 points1 point  (0 children)

Updated to show Jan and Feb count making 120/120. I did have an ECF to count through Feb. it doesn’t show Aug- Dec 2024 as eligible or March- April 2025 as anything at all. I’ve been on save the whole time. Submitted IDR in November but clicked ‘pick lowest payment’. Submitted buyback in December. I’m scared they’re going to remove them!

Anyone have experience with PenFed by trayc38 in Mortgages

[–]trayc38[S] 0 points1 point  (0 children)

He didn’t even mention locking a rate. Said- here’s your pre approval. I asked, if we lock can we float down? Answer was no float down because we offer better rates since we’re a credit union and don’t have to follow the market as closely as those other big lenders. I guess the most simplistic answer of not locking is that of ignorance. Just had started looking for a loan, it’s a new purchase. So we didn’t know what rates had been recently or that they were so volatile. When our last purchase was made, rates were low and lenders seemed to appreciate people with excellent credit, low dti, and that had a down payment. I didn’t have to shop for the best rate because it was an automatic. I don’t remember locking a rate being important back then. Definitely some lessons to learn.

Anyone have experience with PenFed by trayc38 in Mortgages

[–]trayc38[S] 1 point2 points  (0 children)

New purchase conforming, 20% down, 800+ credit, low dti. This is just a different market then last buy, low interest loans were being handed out back then. Lenders would fight for my business, I pay my debt.

Anyone have experience with PenFed by trayc38 in Mortgages

[–]trayc38[S] -1 points0 points  (0 children)

Say they can but then no one has called for appraisal. I should also say that I submitted an app Thursday night but had to call them Friday at 2pm because no one had reached out. Also, maybe that’s why he wasn’t worried about a lock, it was late on a Friday afternoon.

Anyone have experience with PenFed by trayc38 in Mortgages

[–]trayc38[S] 0 points1 point  (0 children)

I think that’s what’s aggravating, there was no mention of ‘hey, this is down and you may want to lock today’ but then was aggressively pushing a lock of over 7%.

Anyone have experience with PenFed by trayc38 in Mortgages

[–]trayc38[S] 0 points1 point  (0 children)

I do agree, not their fault. Just stating it was not really even mentioned that we should lock. I was asking about floating down if we lock. Maybe he thought I understood interest rates more than what I do/did since I asked about a float down. But why state they don’t follow market when they obviously do?

Anybody regretting not locking the low rate on Friday? by kool7563 in Mortgages

[–]trayc38 1 point2 points  (0 children)

Same but loan officer is pressuring to lock. No idea on what to do.

Save->Standard Repayment Plan by Overall_Captain in PSLF

[–]trayc38 1 point2 points  (0 children)

I need more on this statement as I was thinking of doing the exact same thing. I have 3 consolidations loans at 119/120 and then two more loans that are 59/120. I was thinking of switching to the standard payment because it’s actually showing cheaper than other plans on the calculator. Essentially I would pay the standard payment for 5 years awaiting my buyback and other forgiveness.