Deferred payment program with lower APR

At a very large amount due to job loss, disabled dependent and car repairs which put my credit card pretty high up on debt. Looking for jobs and opportunities to pay off it— and up until now I cannot afford the monthly. A while back with discover i used the 6 month deferred program (or whatever the actual name of it is) and it helped. Called about a year later and now they say they cannot help me. What can I do! It’s $360 a month and I am moving this month which is why I don’t have the money to spend for my bill. Any tips? Things to ask??? They said call back end of month but I doubt it will change the “status” of me qualifying for it. I’m an active duty spouse with a disabled child and newborn. I dont qualify for SCRA as it was a line of credit I opened after my now husband joined.

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u/Fit_Royal_6721 — 2 days ago
▲ 2 r/NavyOCS+1 crossposts

Navy Intelligence Officer pathway + dual-mil questions

Looking for insight from current/former Navy Intel officers or anyone familiar with the officer selection process. I’m specifically interested in commissioning, not enlisting.
My educational background includes two bachelor’s degrees in social science/criminal justice-related fields, a minor in sociology, and a master’s in criminology/law.
Professionally, I have several years of experience across government intelligence/investigative analysis, OSINT, cybersecurity, and attack surface management. My work has included investigative research, infrastructure and asset analysis, IP/domain research and attribution, large-scale data analysis, and supporting federal government work.
I also have experience with OSINT/investigative tools, Excel, SPSS, basic Python, BigQuery, Terminal, and Jira.
My first choice would be Intelligence Officer (1830). I’d also be very interested in cyber or other Information Warfare officer communities that might align with my technical/analytical experience. As a more distant fallback, I’d consider an administrative-oriented officer community if Intel/cyber weren’t realistic options.
A few things I’m trying to figure out:
How competitive does my general background sound for 1830? Also timelines for job openings?
What would strengthen an Intel officer package the most?
How much control do applicants have over the designator they commission into? Ideally, I would only move forward if selected for a community I actually want.
What other officer communities should I be researching given an OSINT, cyber, threat intelligence, and infrastructure-analysis background?
How much weight does relevant civilian experience carry compared with OAR scores, academics, interviews, recommendations, etc.?
How realistic is geographic co-location for Navy/USMC dual-military couples?
My spouse is active-duty USMC and plans to finish full career length as a mustang, so dual-mil logistics are a significant consideration. We’d ideally like to remain in Southern California, and I’m curious how realistic San Diego/Camp Pendleton-area assignments are for Intel or cyber officers and how cross-service co-location works in practice. My spouse is going RTC instructor billet and we have EMFP for our son who is autistic.
I understand duty stations aren’t guaranteed. Mainly trying to determine which officer communities best fit my background, how realistic my chances are for Intel/cyber, and how much control I can have over my designator before committing to a commission.
Would appreciate any insight from Intel/IWC officers, officer recruiters, or Navy/USMC dual-mil folks. If you read this entire post- THANK YOU! 🙏🏽

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u/Fit_Royal_6721 — 3 days ago
▲ 1 r/clearancejobs+4 crossposts

SoCal Job Search — Intelligence / OSINT / Cybersecurity / Investigative Analysis

Hi everyone! F/ 26; I’m relocating to Southern California and starting my search for my next professional opportunity. I thought I’d reach out here in case anyone has leads, recommendations, or connections in these fields.
My professional background includes federal investigative analysis, cybersecurity/data analysis, OSINT, research, and communications. I previously supported the Department of Homeland Security as a federal contractor/investigative analyst and later worked in the private cybersecurity sector, where my experience included attack surface discovery, internet-facing asset analysis, data validation, open-source research, and supporting public-sector cybersecurity initiatives.
I currently volunteer with an NGO focused on school violence prevention, which was founded by professionals with backgrounds in DHS, law enforcement, and the U.S. military. My work there includes reviewing academic research and literature, communications, social media strategy, and developing research-focused publications/newsletters.
Academically, I hold a Master’s degree in Criminology, Law & Society, along with bachelor’s degrees in Criminal Justice/Criminology and Anthropology and a minor in Sociology.
I’m particularly interested in opportunities involving:
Intelligence or investigative analysis
OSINT
Cybersecurity / attack surface analysis
Threat, risk, or security analysis
Government or defense contracting
Research and data analysis
Adjacent roles where my investigative and analytical background would transfer well
📍 I’m looking throughout Southern California and am also open to remote or hybrid opportunities.
For privacy, I’m not posting my full résumé, LinkedIn, or personal contact information publicly, but I’m happy to share them privately with anyone who has a legitimate lead or would be open to connecting.
If your organization is hiring, you know of a team that might align with my experience, or you work in one of these fields and wouldn’t mind connecting, please feel free to DM me. I’d really appreciate any leads or introductions. Thank you!

reddit.com
u/Fit_Royal_6721 — 4 days ago

SoCal job search — Intelligence / OSINT / Cybersecurity / Investigative Analysis

Hi everyone! F/26; I’m relocating to Southern California and starting my search for my next professional opportunity. I thought I’d reach out here in case anyone has leads, recommendations, or connections in these fields.
My professional background includes federal investigative analysis, cybersecurity/data analysis, OSINT, research, and communications. I previously supported the Department of Homeland Security as a federal contractor/investigative analyst and later worked in the private cybersecurity sector, where my experience included attack surface discovery, internet-facing asset analysis, data validation, open-source research, and supporting public-sector cybersecurity initiatives.
I currently volunteer with an NGO focused on school violence prevention, which was founded by professionals with backgrounds in DHS, law enforcement, and the U.S. military. My work there includes reviewing academic research and literature, communications, social media strategy, and developing research-focused publications/newsletters.
Academically, I hold a Master’s degree in Criminology, Law & Society, along with bachelor’s degrees in Criminal Justice/Criminology and Anthropology and a minor in Sociology.
I’m particularly interested in opportunities involving:
Intelligence or investigative analysis
OSINT
Cybersecurity / attack surface analysis
Threat, risk, or security analysis
Government or defense contracting
Research and data analysis
Adjacent roles where my investigative and analytical background would transfer well
📍 I’m looking throughout Southern California and am also open to remote or hybrid opportunities.
For privacy, I’m not posting my full résumé, LinkedIn, or personal contact information publicly, but I’m happy to share them privately with anyone who has a legitimate lead or would be open to connecting.
If your organization is hiring, you know of a team that might align with my experience, or you work in one of these fields and wouldn’t mind connecting, please feel free to DM me. I’d really appreciate any leads or introductions. Thank you!

reddit.com
u/Fit_Royal_6721 — 4 days ago