u/313forlife

I live in a very small, rural market and homes typically take 3-6 months to sell, even when the market is hot and everything is selling "quickly." Our house hasn't even been on the market a week so this isn't a consideration now, but when should it be in this small of a market? Is it based on time on the market or showing requests or...?

Feedback we've gotten from the 2 initial showings is that they love the house and think it's priced correctly but that the property is too much maintenance for both clients (it's 10 acres).

I filed to get a new IDR plan now that SAVE is gone. 2 weeks before my first payment is due, I find out I'm getting divorced. So I ask for a forbearance until December, after the divorce is finalized. It takes some back and forth and several phone calls, but it finally gets done and my payment shows as zero. Cool.

So my divorce lawyer needs something that shows what my new, post-divorce payment will be. So I submit a recalculation request using only my income. I check the box that I want to stay in forbearance.

First I can't save or print the application, even though FSA recommends printing or saving. Then Mohela has a "processing delay" of up to 90 days. Finally, they process the application and send me a letter saying it's approved and payments start in January 2027. 3 minutes later, I get another letter with my payment schedule showing payments start September 2026. I look in the system and it also shows a payment due in September. I'm guessing they're going to make me submit another forbearance request and knowing them they'll have a processing delay, and then...

Ugh. I hate paying organizations to be terrible at their jobs.

I am on IDR for PSLF and am getting divorced. I submitted a recalculation application based on my income alone. The student aid website tells me to save or print a copy of the application but won't show me the actual application. Mohela had a processing delay so I can't see it there. I need to provide this document. Anyone know how I can do that? Student Aid told me to contact Mohela. Mohela told me to contact Student Aid. 🙇‍♀️🙇‍♀️🙇‍♀️

I recently submitted a recalculation request for IDR due to a pending divorce. I cannot find a way to save or print the application (or even see it) despite student aid's website saying I should keep a copy for my records.

Does anyone know where I can get a copy? Mohela has a processing delay so I can't find a copy through them.

I am going through a divorce and trying to figure out the financials with my attorney and soon to be ex. There's a lot of complicated financial stuff going on with money being switched from this checking account to that savings account, stock being sold, attorneys being paid, etc. Our house is going on the market next week and so I reached out to a mortgage broker to ask what I need to do to set myself up to apply for a mortgage.

I don't think I can qualify for one now because much of the unsecured marital debt is solely in my name while my spouse makes most of the income. To top it off, I was only getting paid for 9 months of the year (this will change in 2 weeks) so I haven't had a paycheck stub since May. So I don't want to have my credit pulled knowing I won't qualify.

I told a mortgage broker this and he said he'd pull my credit and come up with a plan. But then he sent a request for tax returns, W2s, bank statements, and a whole bunch of other documents that seem to imply I'm applying for a mortgage right now. He says he needs this for preapproval.

I just want help figuring out when is the ideal time to apply and that doesn't seem like now. I mean, I can provide bank statements but they're joint accounts that are getting split so how does that help? Is preapproval what I want or is there a step before? Is this going to hurt my credit score?

I'm curious if Zillow is accurate in their trends and analysis of the market. To be clear, I'm not looking for advice about whether the "Zestimate" is accurate, but right now Zillow says we're in a "sellers market" (score 79/100) and that the value of homes increased in my area from July to August.

My realtor says we're moving to a buyer's market and is very cautious about whether we're going to be able to sell. My mortgage broker says the realtor is wrong and that things are selling like crazy everywhere.

If Zillow isn't accurate, is there some other site that might help me tell me more about my specific market?

I am in the middle of a divorce and would like to buy a house closer to where I work (Nov. 10 is the hearing). We currently own a home together, although the mortgage is only in my partner's name. However, all of the credit card debt is almost exclusively in my name. The cc debt is getting paid off as a part of the settlement, as is my car, so I will walk away with only my student loans which will (hopefully) be forgiven in 3 years.

My credit score is currently a 740 but is going down each month a little bit because we're only paying minimum payments on the credit cards while we work on splitting the financials.

Do I need to wait until everything is split and over before applying for a mortgage? How will all these crazy settlements appear to a mortgage company (lots of big amounts moving between accounts that will eventually be closed, etc.)? Our current house is up for sale and I will get half of that (assuming it sells).

I'm assuming mortgage lenders understand divorce happens, but I'm having a hard time understanding what my timeline should be and who I should talk to or if I should just give up on the idea of buying another home.

We are putting our house on the market due to a pending divorce. It is an amicable divorce and we have lived on opposite sides of the house since agreeing to split in May. I live 100 miles from my job though and would like to move rather than spending another winter commuting 2x/week.

We have only lived here 2.5 years and while we've done some updates (framing and electrical in the unfinished basement, fencing in back yard, fiber internet, landscaping) I don't expect to get a lot out of the house. It was built in 2020 so it didn't need a lot. The realtor we are using said his comps show the house being worth 379 - 385K. I don't quite agree because he's using such a small area for the comps that our own house is listed as one of the comps. But whatever.

We disagree on the listing price though. He's pretty insistent that we list it at 379K. I want to list it at 385k because I think every buyer in this market will want concessions and 379K is really as low as we can afford to go and still be able to move somewhere else. We paid 349K in March 2024. If we list it at 379K, there's no concessions and I feel that's unrealistic.

He says sales will drop off after September, which I get, but this also isn't a "family" house. It's primarily folks who are retired/work from home or want a summer home. Young families up here (who would be concerned about the school year/district) are looking for cheaper houses and those exist.

We don't have to move. We could live here another year if we have to but it's not ideal. But I feel like the realtor heard "divorce" and is acting like this is a fire sale. Should I just shut up and assume they know the area better? I know a house is only worth what it will sell for. This is our 4th house. My question is about the initial pricing strategy.

I switched off of SAVE in May and was supposed to make my first payment on IDR in June. My payment is based on both my husband's and my income and is $900+ dollars. Once I learned about the divorce at the end of May, I immediately put the loans in forbearance for 6 months while we separate finances. Going forward, I need the payments to be readjusted to just my income. My divorce will be final on Nov. 10.

When and how do I apply for a reconsideration (is that what it's called even???)? Do I wait until the divorce goes through? I can't provide a paycheck stub yet because my paychecks don't start until mid-August. Do I do it then? And if I do it then, will it pull me out of forbearance? The financial stuff isn't settled yet so I need to not make payments for the rest of the year.

Hey y'all, Many years ago, a Texas taper gave me a copy of Billy & Liza's set from 12/30/2K. If I could only listen to one show for the rest of my days - it would be that one. And stupidly, I never saved it digitally and the CD has died. I've found a few of their other shows but can't find that one. Any ideas where to look other than relisten or a general Google search?

Due to some financial changes, I needed to put my loans in forbearance again until the end of the year. Husband also had to put his into forbearance (no PSLF so he has Aidvantage).

Him: applies online with 3 clicks; forbearance granted and showing in account 48 hours later.

Me: fill out stupid form on student aid website; upload it to MOHELA. After 72 hours, I send an email asking if they even received it. Another 3 days before I get a response saying they received it and it will be processed in the order it was received.

Today, 8 days later - still showing a payment due.

I call. First representative can't find any loans. Finds an account with them but it has an old address. I can see the correct address in my account online. It was changed 2.5 years ago. He verifies that I'm "on the right website" 🙄 My dude - I can see the loans. Maybe he's on the wrong website??? He tells me to hold but transfers me instead.

New rep had no issues finding my account. Places a 60 day administrative forbearance for processing but tells me it can take up to 90 days to process forbearance. I ask what happens if the admin forbearance expires before they get to it. She tells me it likely won't take 90 days. No answer to my question though.

This is really what the state of MO fought for? The right to provide subpar loan servicing over forgiveness? Argh.

I have 83 qualifying payments and recently moved out of SAVE and into IBR. My first payment is due on June 10 despite clicking the "I want to stay in forbearance" option on the form. I don't receive an income in the summer months and it looks like my partner and I are splitting so I no longer have access to their income. I applied for forbearance again but MOHELA sucks and said they have received my request and it "will be processed in the order it was received." That response took 9 days to receive. My spouse applied to put theirs into forbearance (different servicer) and it was applied within 48 hours 🙄

If they don't process by June 10, is there anything I should do? I don't have $1000 to pay it. I don't want to go into default but I'm not seeing any other options if they can't process the form in time.

I have just had my IBR accepted by Mohela and my first payment is due June 13. I was freaking out somewhat because I didn't think they'd come out of SAVE forbearance until September, when I'm getting a paycheck again (9 month faculty) and the payments are more than double what they were under SAVE.

On Wednesday, my husband announced he wants a divorce. He is the one that makes most of the income. It's obviously not going to be quick as we have a lot of shared assets, including a house, and a lot of shared debt. I suspect I will need to file bankruptcy.

I have the money to make the June payment but I'm concerned about using the little available cash I have when I'm going to need to move, etc. I need 36 more payments though to get PSLF.

Any advice? Can I ask for a recalculation since it will soon only be my income? Do I ask for forbearance? I have no idea how long this process will take, especially selling the house in this market. I have no idea if I have forbearance time left.

And no, there is no chance of reconciliation so please don't suggest that.

We bought a house 3 years ago that has a 3500 square foot vegetable plot (35' wide x 100' long). I've been planting more and more of it and learning to grow from seed to save on expenses, but the one thing I can't figure out is an efficient way to water it.

I've been running 200 feet of hose to the house spigot, which is the closest water source. With a sprinkler, I can get about a third of the garden (35' x 30') watered so that's all I've planted in past years. This year I have a bunch of seedlings and need more room.

What's my best option for getting water out another 60 - 70 feet beyond that won't break the bank? Another hose? I'm not sure there will be much water pressure at that length. Multiple connected sprinkler heads? I've seen a bunch of systems that claim they have a lot of coverage but I hate to spend a lot with no results.

I'm trying to not panic. I was on the SAVE plan and in administrative forbearance. I originally wasn't going to apply for a new plan until I absolutely had to but I decided to just get it over with and applied for IDR. I checked a box on the application to indicate I did NOT want to be pulled out of forbearance early, which I thought was supposed to end in August or September.

Today, Mohela sent me a "repayment schedule" as they process my IDR application and it shows a payment due in 30 days. It's the payment amount that I had under SAVE so it's not triple the payment like the new one will be. However, I only get paid 9 months out of the year and don't know how I'm going to pay this over the summer (which is why I wanted to stay in forbearance).

I've emailed Mohela but did I interpret the question wrong? Do your payments start immediately after applying for a new plan? Because if I have to pay the new IDR payment before I start getting paid again, I'm going to end up in default.