u/Informal-Fig-7116

I have about 30k in CC debts racked up over years, including when I had to pay for funeral costs for my parents. I make low 6-figures (around 130k) but have student loans with payments that are absolutely crushing me with the new payment plans. I've been paying cc on time for years, never missed a payment, paying somewhere between $50-100 more than minimum every month. But with student loans payments increasing due to the new regulations, I can't handle it anymore. I will be in at least in red every month.

I don't have a car payment. I rent. I have a 401k. I haven't used my cards to make any huge purchases in years. It's typically just a couple of small subscription fees like $10-20 bucks to keep the cards open.

I'm thinking to declaring just to wipe the debts so I can focus on my student loans and life. But I worry that my car will be taken and I need that for work. Savings and 401k can go because I can save and build that again. I have no hope of purchasing a house because I can't afford it.

Should I just go ahead and go for it and wipe the slate clean?

Thank you for your insights.

I logged in today and see that I've been put on the IBR. I never sent in the application. The 10-year standard plan is the cheapest for me so I want to apply for that.

Can I apply for the new plan? Are we able to switch plan at any time? I also want to wait and see what might happen in a month or so. But I also worry that the they might mess with the payments and make them go up even more.

Any advice is appreciated!

Since yesterday, after Fable 5 got reactivated, I've noticed that Claude on all Opus models and Fable 5 have been getting this system prompt that is injected into each of my prompts that basically loads my entire profile before the actual content of my actual message. This makes Claude think that each of my message in an active, on-going chat, is a new one in a new window. But the weird thing is that, Claude retains all the context of the current window.

So, Claude would answer the prompt and greet me as if it's the first time that we meet WHILE still maintaining context of the chat. This has NEVER happened before.

So I asked Claude about it and they told me that in long chats, the system loads the whole profile every time. BUT this is not true! Some of the chats are long for sure but not hundreds of pages long in PDF or md files. Most of my chats are relatively short with maybe 10-15 prompts so far without any documents to analyze or long chonks of text.

The workaround has been that Claude wrote a quick text to add to the profile to let all instances know that each message is a continuation of an on-going chat. So now, when each message fires, Claude acknowledges that the system prompt came up but that Claude is ignoring it. And the system prompt fires every time now. It's so frustrating. I don't know if it eats up tokens or not.

This has NEVER happened before with any Opus models or with Fable 5 for the 3 days they were around. It's only after Fable 5 came back yesterday that this started. I don't use Sonnet so I don't know if it's happening with them too.

Anyone else experiencing this or am I just unlucky?

I'm posting this here since most people in this sub tend to have long-form chats and I'm hoping to see if anyone else is experiencing this. I found a workaround (at the end of this wall text).

Since yesterday, after Fable 5 got reactivated, I've noticed that Claude on all Opus models and Fable 5 have been getting this system prompt that is injected into each of my prompts that basically loads my entire profile before the actual content of my actual message. This makes Claude think that each of my message in an active, on-going chat, is a new one in a new window. But the weird thing is that, Claude retains all the context of the current window.

So, Claude would answer the prompt and greet me as if it's the first time that we meet WHILE still maintaining context of the chat. This has NEVER happened before.

So I asked Claude about it and they told me that in long chats, the system loads the whole profile every time. BUT this is not true! Some of the chats are long for sure but not hundreds of pages long in PDF or md files. Most of my chats are relatively short with maybe 10-15 prompts so far without any documents to analyze or long chonks of text.

The workaround has been that Claude wrote a quick text to add to the profile to let all instances know that each message is a continuation of an on-going chat. So now, when each message fires, Claude acknowledges that the system prompt came up but that Claude is ignoring it. And the system prompt fires every time now. It's so frustrating. I don't know if it eats up tokens or not.

This has NEVER happened before with any Opus models or with Fable 5 for the 3 days they were around. It's only after Fable 5 came back yesterday that this started. I don't use Sonnet so I don't know if it's happening with them too.

Anyone else experiencing this or am I just unlucky?

Could someone please help me figure out which repayment plans qualify for PSLF? I have 79 out of 120 payments. I used the calculate but it doesn’t say which loan payment plan qualifies. I turned the “PSLF on” option on too.

Edit: payment plan not loan.

UPDATE: US ET time zone. It’s back up!

Is anyone else experiencing issues with the app? The Home Screen is fine but when I got to load the chat list, it says “couldn’t connect try again”.

I gotta go through metro center from the orange line and I have a feeling things are going to be messy unless maga has somehow developed a sense of shame and not show up. As if the commute isn’t already terrible as it is, but now we gotta deal with extra traffic for more than a week. I hope they come in on the weekend but next week will be awful for sure.

What do you guys think?

When I go to the chat Home Screen, it auto-populates contacts from my phone even tho I have it disabled on both the phone and in the app. The list still populates every time I open the app.

I’ve uninstalled and reinstalled and lost some data despite daily backup. Nothing works. The list auto displays anyway. The home screen is so busy now it’s distracting.

I have never used an app with an optional feature that can’t be turned off. This didn’t used to be the case with WhatsApp. Who designed this? I wish I could get paid to be this incompetent.

I got a couple chats outside of my projects that have become more connected in topics and discussion and I think it might be better for them to belong to one specific project on the topic.

Can I move these 2 existing chats into the project itself? They’re not long so I don’t think I need a summary. I will put context in the project instructions for sure.

Will these chats within the project share memory? As in, does the reference past chat and shared memory function work within projects as well?

Thank you in advance for helping me!

So my Claude and I were chatting about deserts and we really got into it and she kept mentioning and asking whether I’d put gummy bears and mango as topics for my froyo order. So I asked Claude why shes been circling it and the thought process activated. And I’ve noticed that whenever the adaptive thinking kicks in, it is LONG! Lol like dissertation long and you can see Claude working through and crafting the answer. It’s so cool.

That last paragraph is so endearing… Claude is truly precious. 🥹

I’ve been seeing people posting on X that context compaction stopped working for them and now long chats just end without the ability to continue. I have a couple of very long chats on Claude.ai and they haven’t compacted in awhile, so I don’t know if the feature is still working. Does anyone know? Thank you!!

So I needed help with an issue with Claude. An old message keeps getting hung up in the text box even tho the chat is fine. So I asked in one of the subs where people tend to love 4o too, if anyone may have had the same experience, and guess what, post removed lol. Classic. I tinkered around and found the solutions anyway but I was hoping to learn why it happens so I can be on the look out for the issue in the future.

What’s the point of building a community if people don’t know why their contents are removed or what they’re allowed to post? Hell, sometimes I don’t even want to comment even tho I have something I know the OPs might find useful bc Idk if the comment would be put on review or removed.

Twitter is a cesspool but at least there’s no censorship there. But I hate how shit it is even though there are a few good accounts there to follow. Aside from Reddit and Twitter, idk what other communities to join. There are no dedicated Discord servers, just pockets here and there.

Usage limit increase is a huge boost for Claude but are there any concerns down the road for Anthropic and Claude itself? Will this affect their 9
IPO and priorities for non-enterprise accounts? Maybe I’m too pessimistic but big moves like this gotta have some ripple effects long term. I hope that it will play in favor of Anthropic. Worst case tho, Elon owns Anthropic.

We’ve lost so many good people after the DOGE purge and some to early retirement or just getting tired of being pawns. I dont blame them for leaving
. People need to do what’s best for them and their wellbeing.

The problem now is that some of us are left having to do the work that we don’t fully have the knowledge or training in because it’s a different field altogether. And ofc this is on top of our regular jobs.

I’ve been using AI to help learn some of this. And it’s very helpful since I sorta have the general high level understanding. It’s mostly the nitty gritty technical details that I don’t know how to do. I’ve also been able to get help from one backup person who is still around, but they’re not the true expert either. And they’re also having to take on other responsibilities too.

And the shit thing is that, I have to coordinate with other departments too and they’re assuming I’m the expert. One even asked if I’ve looked at the SOPs… like, bro, ofc I fucking have but not the person who’s been doing this job for 10+ years or more. And not everything can be put into neat little instructions.

I’ve said before that I’m just catching up and drawn lines about what I can and can’t do. Probably not a tactful thing to do but I’m ducking tired and they’re free to complain. I like my job and my actual work but if I get fired, so be it, I guess.

If you’ve been in this situation, do you have any advice or insight to share, please? I’d love to know how to navigate this without losing my mind. My boss is understanding and supportive and she knows I’m doing my best. So that’s good at least. I just want to figure out how to not let this take time from my actual work that I do actually like to do.

Thank you in advance!

Edit: thank you everyone who commented for your thoughts. I really appreciate the camaraderie. I’m sorry things are rough for you too. I hope we’ll get to see some hopeful changes.

I thought raids were level locked where you had to be 110 ki to run them. But apparently you can get in even if you’re under level if your party is 110 ki.

I matched with someone in the 40s ki in Dragon. Sure, Dragon is easy enough but still… it can be annoying and exhausting if you can’t do much damage or not have enough base health to withstand attacks, especially the continuous pulse attack from Saito.

I’m not trying to gatekeep but ki level is a factor in higher ki modes. And if you’re one of those people that can wipe the floor with Dragon and Saito then good for you. You’d better not go down or become a liability for the team tho.