You ruined the ride. If you are sharing a car with someone don’t talk the entire time. I couldn’t hear anything the ride was saying over your constant talking. We had one day in Disney.
Finally got the 90 day notice. I have ~70k in federal student loans, 40k in private loans. I was on SAVE. The standard repayment, graduated and rap options are $450ish, which isn’t great but I can make it work. But this extends my loans to 2054, that can’t be right can it? I’ll be 75.
IBR is $900, which I cannot make work. With this one it says my loan will be done in 2036 with a “discharge” of 3k. I’m paying $450 on the private loan monthly. Currently filed taxes with husband together, he has no loans but I’ll be refilling as married filing separately in January. I make just under 6 figures and he’s about 60k.
I can’t afford the IBR payment but I also can’t extend these loans that started at 40k out until I’m 75. Between the federal and private loans I’ve paid $100k on what started at $80k and I still owe $100k. Very seriously considering bankruptcy for the rest of my debt for a little more breathing room. I’m in the highest cost of living area in the country with kids. What do I do?
EDIT: started with 40k federal and 45k private if that wasn’t clear. Total monthly payments are $1500 with the private loan. Most of my payments have gone to the private loans over the years while the federal were in forbearance and low payments due to low income and single parenthood. I recently married and only have been making this kind of money for the last 3 or 4 years. I have a budget and will be meeting with a financial advisor next month, but wanted some more information before that.
Thanks to everyone who gave real advice and weren’t jerks about it. The world should be a kinder, more understanding place. Hope you feel better about yourselves.
I’m old and haven’t been to Halloween horror nights in 15 years at least. I come from the beginning of the walking dead era. How do I catch up on some of the lore and characters, the history of the original characters like jack and oddfellow? What do I need to know?
I have some friends with different amazing sparkles. I was a guardian last year for a little bit and saved all the colors, but I’ve seen a few people whose guardian sparkles look like real sparklers! Was there an update are there more sparkles now for guardians?
I woke up on Mother’s Day to a corrupted birb that needed to be rehatched. I had a manual backup from 3 weeks ago, and I lost a lot of stuff but ok no big deal we can rebuild. I load my backup from the end of April on my phone and continue on without my 535 day streak. Now today it corrupted again! Why? I’m so bummed out. What do I do? Do I reload it again? Do I go back to a further backup, loose more stuff but get my birb back? I don’t know what to do. I had almost the entire catalog.