u/Mountain-Activity-14

I haven’t gotten a job yet since graduating. Won’t be bringing much in a year

Thinking of the private loan first since there’s nothing to fall back on with that, but idk

Where do I even start?

I have one private loan at $7,873 with 6.95% interest

Public loans through Edfinancial:

Grad plus loan at $5304 | 8.94% interest

Grad plus loan at $5,293 | 8.94% interest

$21,767.77 Unsubsidized Loan | 7.94% Interest

$8,518.45 Unsubsidized Loan | 8.08% Interest Rate

$8,367.40 Unsubsidized Loan | 6.53% Interest Rate

$6,330.54 Unsubsidized Loan | 5.50% Interest Rate

If I have hypothyroidism and take Levothyroxine will that make my lipedema worse since it’s technically a hormonal change?

I have read the FAQ. I went to take the dog out and something kinda small but kinda big and brown fluttered onto my face my first thought was a moth and i turned around and there was a brown moth on the door but what if it was a bat? What if it was a bat that has rabies?

I don’t think I felt a bite or scratch I don’t remember if it felt prickly or not it didn’t feel super heavy or anything and I checked my face after didn’t see what looked to be bite or scratch marks but my eyelid feels somewhat irritated and i have a reddish dot below my eye I’m pretty sire it is a pimple but also what if it’s from a bat? Rabies is my biggest fear so idk what to do idk if I should get a shot

I’m in NC btw

Hey everyone, I’m trying to map out a game plan for my student loans before my grace period ends in November, and honestly my head is spinning a bit looking at the breakdown. Hoping to get some perspective from people who have been through this.

I also don’t have a job yet. Currently looking. I work at target rn. I’m expecting to start a job hopefully soon at around 50k a year.

Here’s where I stand right now:

Savings: $22,000 total. I only have like 500 in my checking.

Private Loan (CFNC): $8,000 sitting at about 7.75%.

Federal Loans: About $57,145 total, but it’s broken up into a bunch of smaller chunks with different interest rates.

The main federal chunks that are stressing me out are: 2 smaller ones at 8.94% (about 10k total)

A couple sitting around 7.94% to 8.08%.

And a couple lower ones around 5.50% and 6.53%.

I know I want to use some of my savings to knock out the worst of this before interest really starts piling up in November, but I also want to keep enough
cash so I don't feel completely broke.

For anyone who’s tackled high-rate federal vs. private loans: would you wipe out the 9% federal loans first, target the private loan since it has zero safety nets, or split the difference? What would you do with $22k in savings here?

hey everyone. honestly spiraling right now and need some blunt, realistic advice because i feel like my life is completely ruined.

i just graduated with my msw in may. im a first-gen college grad, my parents couldn't really help me, and i went into school completely blind. i had no idea how student loans actually worked and i took out way too much.

right now, im still working at target making $15 an hour because i haven't landed a job yet. even if i do find an msw level job, it'll probably only start around 50k a year. my rent is $665 a month as of right now.

to make matters worse, my absolute only passion in life is traveling. it’s all i care about, and looking at these numbers makes me feel like i’ll never get to do what i love.

here is where i stand financially:

federal loans (edfinancial): ~$57,144 across several loans
private loans: ~$8,000 at around 8% interest
total debt: ~ $65k
savings: $22,000

here is the breakdown of my federal loans and interest rates from my account:

1-01 direct loan: $6,331.36 (5.500%)
1-02 direct loan: $8,368.74 (6.530%)
1-03 direct loan: $8,520.17 (8.080%)
1-04 direct loan (grad): $1,559.20 (9.080%)
1-05 direct loan: $21,772.22 (7.940%)
1-06 direct loan (grad): $5,302.21 (8.940%)
1-07 direct loan (grad): $5,290.59 (8.940%)

i have a few major questions

1. ⁠how screwed am i actually? is 65k an insurmountable hole on a 50k salary?
2. ⁠what should i do with my savings? i have 22k saved up. how much of this should i throw at my loans right now, or should i keep it as a safety net since im still making $15/hr?
3. ⁠should i refinance? especially looking at those high-interest federal loans (ranging up to 9%) and my 8% private loan?
4. ⁠public service loan forgiveness (pslf): since i have an msw, ill likely be working in non-profits or community mental health eventually. should i be looking into pslf?
5. ⁠please give it to me straight. how do i navigate this without giving up my entirec life and ability to travel? any advice is deeply appreciated.

hey everyone. honestly spiraling right now and need some blunt, realistic advice because i feel like my life is completely ruined.

i just graduated with my msw in may. im a first-gen college grad, my parents couldn't really help me, and i went into school completely blind. i had no idea how student loans actually worked and i took out way too much.

right now, im still working at target making $15 an hour because i haven't landed a job yet. even if i do find an msw level job, it'll probably only start around 50k a year. my rent is $665 a month as of right now.

to make matters worse, my absolute only passion in life is traveling. it’s all i care about, and looking at these numbers makes me feel like i’ll never get to do what i love.

here is where i stand financially:

federal loans (edfinancial): ~$57,144 across several loans
private loans: ~$8,000 at around 8% interest
total debt: ~ $65k
savings: $22,000

here is the breakdown of my federal loans and interest rates from my account:

1-01 direct loan: $6,331.36 (5.500%)
1-02 direct loan: $8,368.74 (6.530%)
1-03 direct loan: $8,520.17 (8.080%)
1-04 direct loan (grad): $1,559.20 (9.080%)
1-05 direct loan: $21,772.22 (7.940%)
1-06 direct loan (grad): $5,302.21 (8.940%)
1-07 direct loan (grad): $5,290.59 (8.940%)

i have a few major questions

1. how screwed am i actually? is 65k an insurmountable hole on a 50k salary?
2. what should i do with my savings? i have 22k saved up. how much of this should i throw at my loans right now, or should i keep it as a safety net since im still making $15/hr?
3. should i refinance? especially looking at those high-interest federal loans (ranging up to 9%) and my 8% private loan?
4. public service loan forgiveness (pslf): since i have an msw, ill likely be working in non-profits or community mental health eventually. should i be looking into pslf?
   please give it to me straight. how do i navigate this without giving up my entirec life and ability to travel? any advice is deeply appreciated.

My body image has been really bad lately, and I’m visiting Japan in June for the first time. This is my absolute dream vacation and I know I am going to fall in love with the country.

However, I’m a little bit nervous… I know beauty standards over there are super strict and I am just really scared of being made fun of by ppl. I want to wear shorts and skirts because it is going to be so hot, but my legs are kind of thick and I have noticeable cellulite, do you think I might be made fun of or given dirty looks?? I’m just really scared.. Idk if I can handle that rn