▲ 45 r/StudentLoanSupport+1 crossposts

IBR payment almost quadrupling to nearly $2,000 per month in September... any recs for private student loan refinancing companies?

TLDR: Any tips on when to move from an IBR plan to a standard repayment plan and/or refinance loans? Monthly IBR payment going from $564 to $1,900. Standard repayment option is $1,700 at 6.9%. Great credit.

I want to start by saying that I fully recognize that I am among the lucky top third of earners in the U.S. with a 6-figure salary. I used to think I could stay on IBR for 25 years, get my balance forgiven, pay the taxes, and move on. But now my IBR payment is larger than the standard payment plan option.

My principal loan balance from undergrad + law school is $168K. Graduated from law school in 2013. Had 6 months of deferment then consolidated all my federal loans and enrolled in the IBR plan. My payments were $0 for a while, then slowly creeped up to $564 a month after my income increased. I last had to recertify my income in fall 2019. Since then, my income went up substantially, I got married, we started filing our taxes jointly, and we moved to Los Angeles. The move came with a big raise but also a huge cost of living increase.

Now I have to recertify my income by mid-July, or my monthly payment will go up to $1,962 starting in September. If I do this, my "end of payment balance" will be $88K. I am 13 years into the IBR plan and have roughly 12 years left before the balance will be forgiven.

Alternatively, the standard repayment plan option is $1,741 a month for 20 years. I'll pay off the loan, but per the application, I will have paid a total of $424,777 at that time.

My current interest rate is 6.9%. Not a single payment I've made over the last 3 years has gone towards principal. It has all been interest (and not high enough to even cover the accrued interest for each billing period. I also have been able to repair my credit and get my credit score over 800. Is now the time to get off IBR and refinance?

Edit: the standard repayment plan option through FedLoan is for 20 years, not 10. So far it looks like I can refinance with Sofi at around 5% interest with monthly payments of $1,500 for 20 years. That looks like the best option so far.

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u/dafurbs88 — 2 days ago
▲ 765 r/northhollywood+1 crossposts

Truck took out part of a tree and damaged 15-20 cars in one fell swoop.

If you or someone you know has a car parked on La Maida in the NoHo arts district near the Starbucks and Raising Cane’s (at Lankershim and La Maida), I recommend going to check on it. A truck carrying U-Haul pods took out part of a tree and damaged around 15-20 parked cars. A couple of the cars look totaled. This happened this morning, probably around 10am or so, and as of 11:15am, no police were on scene yet.

u/dafurbs88 — 16 days ago
▲ 7 r/Endo

MRI results are in… adhesions, bowel/colon endo, and fibroids: oh my!

Backstory: F37, PCOS diagnosis at 23, endo excision surgery & endo diagnosis at 32, adenomyosis diagnosis via multiple ultrasounds in the last 6 months, and a recent MRI to try to determine cause of chronic daily pelvic pain, bloating, cramping during urination, cramping after sex, and other endo symptoms that have gotten progressively worse in the last few years.

I’ve done 2 rounds of pelvic floor therapy, seen a GI doc, had a mirena implanted during my first surgery, and take amiltryptaline daily for pain. I have scripts for 800mg ibuprofen and 500mg naproxen, but I rarely take them because they don’t touch the endo pain.

MRI Results:
**-**Adhesions near bladder, between bladder/uterus, and in bowels
-Ovarian tethering
-Deep endometriosis behind cervix and on colon/bowels

For those in a similar boat, did surgery with hysterectomy help? My current doctor helped found the MIGS program at Cedars Sinai in Los Angeles, so I’m pretty confident about his skill level. I thought I’d vent and crowdsource ideas here while I wait for my follow-up appt with him in a couple weeks.

reddit.com
u/dafurbs88 — 19 days ago

Link: https://asktia.com/article/endo-205-new-non-hormonal-endometriosis-treatment/?lid=20tz9ys4yifv&utm\_source=braze&utm\_medium=email&utm\_campaign=80450+MEM\_Tia-Insider+4-28-26

Any thoughts on this? Have you heard of this before? Are any of you involved in the trial? This seems promising, especially for those who are sensitive to hormones or can’t tolerate surgery.

Article text (Apologies if I missed any paragraph breaks after copying/pasting):

On March 23, 2026, a milestone arrived quietly but with enormous implications for women living with endometriosis. The FDA cleared an Investigational New Drug (IND) application for ENDO-205, a first-of-its-kind, non-hormonal treatment developed by EndoCyclic Therapeutics. For the estimated 190 million women and girls affected by endometriosis worldwide, this clearance signals something that has been missing for decades: a genuine shift in how the disease itself might one day be treated, not just managed.

For years, endometriosis treatment has largely relied on hormones to suppress symptoms or surgery to remove lesions, only to see the condition return. ENDO-205 is being developed to do something different: target and eliminate endometriosis lesions at the source, without altering the body's hormonal balance and without the operating room. It represents a new direction in precision women's health, and it is worth understanding exactly what it is and what it is not.

What is ENDO-205 and how does it work?

ENDO-205 is a precision peptide therapeutic, meaning it uses a small engineered protein designed to seek out and act only on diseased tissue. According to EndoCyclic Therapeutics, the compound is built on a proprietary platform that produces cell-permeating, pH-sensitive peptides that behave differently in healthy tissue versus diseased tissue.

The goal is to eliminate endometriosis lesions and the inflammation surrounding them, while leaving healthy tissue unaffected. Unlike current hormone-suppressing medications, ENDO-205 is designed to minimize hormonal manipulation, immune modulation, and systemic toxicity entirely.

EndoCyclic describes the underlying idea in accessible terms: the body already has mechanisms to identify and clear abnormal cells, but that process does not always function correctly in diseases like endometriosis. ENDO-205 is designed to help the body recognize what is out of place and respond. Research on this precision peptide approach represents over a decade of work supported by multiple NIH grants from the Eunice Kennedy Shriver National Institute of Child Health and Human Development.

What does FDA IND clearance actually mean?

It is important to be clear about what this milestone is and what it is not. The FDA has not approved ENDO-205 as a treatment. What the FDA cleared is an Investigational New Drug application, which is the regulatory step that allows a company to begin testing a drug candidate in human clinical trials. Think of it as the starting line, not the finish.

IND clearance means the FDA reviewed enough preclinical safety and manufacturing data to permit the company to move forward with a Phase 1 clinical study. As reported by Contemporary OB/GYN, the planned Phase 1 trial will enroll healthy premenopausal women of reproductive age, with the primary focus on assessing safety and tolerability, not yet efficacy.

ENDO-205 is not currently available to patients. It has not been proven to work in humans yet. What this clearance confirms is that the scientific foundation is strong enough to begin that testing under regulatory oversight.

Why current endometriosis treatments fall short

To understand why ENDO-205 is generating so much attention, it helps to understand the limitations of what currently exists. Most medical treatments for endometriosis work by suppressing hormones, particularly estrogen, to reduce the growth and activity of endometrial-like tissue. This includes birth control pills, progestins, GnRH agonists such as Lupron, and newer GnRH antagonists like Orilissa and Myfembree.

These approaches can help manage pelvic pain and cramps, but they do not eliminate lesions or address the underlying biology of the disease. When treatment stops, symptoms often return. For women who cannot tolerate hormonal side effects or who want to conceive, options narrow considerably. Studies indicatethat current treatments carry recurrence rates exceeding 50% within one to five years. Surgery, the most direct approach, removes lesions but does not prevent them from coming back.

ENDO-205 is specifically designed to address this gap: a non-surgical, non-hormonal option that targets the disease itself rather than suppressing the entire hormonal system to control it.

What the preclinical data shows (and why it matters)

Before any drug can enter human trials, it must first demonstrate both a scientific rationale and acceptable safety in laboratory and animal studies. ENDO-205 has completed this stage. Preclinical studies showedelimination of endometriosis lesions and reduced inflammation, with no safety signals observed in GLP toxicology testing.

The program received a rare NIH Commercialization Readiness Pilot grant with a perfect impact score of 10, a distinction the NIH describes as reflecting the highest level of scientific innovation and research rigor. EndoCyclic has also been recognized as an NIH SBIR Success Story and has had its research presented at the White House.

These are meaningful signals, but they are preclinical signals. Results in animal models do not always translate directly to humans. The Phase 1 trial will be the first real-world test of whether ENDO-205 behaves as hoped inside the human body.

How is ENDO-205 different from any other endometriosis treatment in development?

Most investigational treatments for endometriosis still work within the hormonal framework, even if they represent improvements over older drugs. What distinguishes ENDO-205 is that it operates outside that framework entirely.

It is not a new way to suppress estrogen. It is not an immunotherapy. According to the company, ENDO-205 is designed to selectively act within diseased tissue, sparing healthy cells, without requiring any hormonal, surgical, or immune-based intervention. In the world of oncology, peptide-based approaches that target only abnormal cells have become increasingly established. Applying this kind of precision to endometriosis, a condition long treated with blunt hormonal tools, would represent a genuine shift in the therapeutic philosophy.

EndoCyclic is also developing a companion diagnostic tool, FemLUNA, an investigational imaging agent that would allow for more accurate, non-invasive detection of endometriosis lesions. Currently, laparoscopy, a surgical procedure, remains the gold standard for diagnosis. A non-invasive diagnostic paired with a non-hormonal therapeutic would transform the entire care pathway for this condition.

Who could benefit most from a non-hormonal endometriosis treatment?

Women who struggle most with current treatment options are often those who cannot use hormonal therapies due to side effects, contraindications, or personal preference. This includes women with a history of certain conditions, those actively trying to conceive, and those who have experienced bone density loss or mood-related side effects from GnRH-suppressing medications.

It also includes the many women who have had endometriosis surgery only to face recurrence. A disease-modifying treatment that could eliminate lesions without surgery and without hormones would represent a meaningful option for a population that has been historically underserved.

That said, ENDO-205 is not yet available to any patient. It is still in the early stages of clinical testing, and it will likely take several years before it could realistically reach approval and market availability.

What comes next in the ENDO-205 clinical trial process?

Following IND clearance, EndoCyclic will initiate a Phase 1 clinical study. Phase 1 trials are designed primarily to evaluate safety: what dose is tolerable, how the body processes and eliminates the drug, and whether any adverse effects occur in humans at different dose levels.

If Phase 1 results are positive, the program would move to Phase 2, which begins to assess whether the treatment actually works in women with the disease. Phase 3 trials involve larger populations and more direct comparisons before the FDA considers full approval. From IND clearance to potential approval, the full clinical development process typically takes many years.

What patients can follow is the progress: ClinicalTrials.govwill list the trial once it opens for enrollment. Staying informed is the best first step.

You don’t have to wait for "someday" to get support

ENDO-205 is a reason for genuine optimism. But it is also still years away from being an option for patients. Women who are living with endometriosis today, dealing with chronic pelvic pain, difficult periods, or suspected endometriosis, deserve care right now.

At Tia, your provider team offers a root-cause, whole-person approach to complex gynecological conditions. This includes specialized gynecological care for pelvic pain and inflammatory conditions, acupuncture as integrative support, advanced diagnostic guidance including imaging referrals, and primary care coordination for complex or multi-system conditions. Research shows that integrative approaches, including acupuncture for menstrual pain, can offer meaningful relief for women managing endometriosis symptoms while longer-term solutions continue to develop.

The future of endometriosis care is changing. In the meantime, you deserve thoughtful, personalized support today.

u/dafurbs88 — 1 month ago