u/kuru_snacc

Hello All,

I would like to hear from people who are already 3-10 years into PSLF, or have reached forgiveness - particularly for balances > $100K.

I have only student loan debt - and quite a bit (grad school). I have a PSLF-eligible job and have a handful of credits, and plan to complete the full 120 barring any major change of course.

Credit score 750+. No credit card debt. I have roughly $10K worth of open credit line utilization stays between 0-30%, always pay off quickly. No mortgage. I own my car. No late payments, never had a bankruptcy or lein or eviction or anything. I make near the median income and that will go up.

And yet I can't get a credit card. I tried 2 different ones (actually applied for 1 where CreditKarma say odds were "Outstanding" and just asked my bank to increase my limit by a very modest amount). Denials across the board.

Is this how it's going to be for the next 10 years? Is my debt-to-income ratio going to ruin my chances of expanding my credit or assets? I'd like to buy a house in the next 5 years but if I can't even get a credit card, I can't imagine I'll be able to secure a big asset.

TLDR: Did PSLF keep you in a horrible position credit-wise, or did you find a way around it or what?

Thanks!

Hi There,

I've been following a while and I'm learning a lot, but most are specific questions and I want to get even more basic:

If I have $1000 to do something with today (emergency fund is already in place), how do I get started? What app/bank/website do I go to? What documentation do I need? How do I watch my money grow? How do I add to it? How do I make it come straight out of my paycheck, or as a direct transfer from my bank?

I want something easy, automatic, low-risk, and hopefully with over 8% compound growth I see in these investment calculators? Or should part of it go to HYSA at 3-4% and part go to a higher return that I don't plan to touch for 25+ years? Either way it needs to be something I can make monthly deposits to easily. Convenience and accessibility will be my friend here.

I really have no idea how to get started. I'm really learning a lot but if I let myself say "I'm still learning," I'll never get started and time is a tickin'. Thanks!

Hello lovely community,

As someone who quit drinking long before I quit Zyns, I gotta say:

I watch a lotta folks on this subreddit relapse to nicotine when they drink - even if they may not have a drinking problem. And sometimes it's straight back to cigs instead of Zyns, which seems to me like taking 1000 steps back.

I think it would benefit anyone considering quitting nicotine to also cut booze for the length of time it will take them to really engrain the habit - say 90 - 180 days, and then be very careful re-introducing alcohol. It may help considerably.

Just a thought. Congrats to all my homies who made it nicotine-free today! 🥳

If you're reading this, you have/had a mom. Don't forget to thank her for giving you life, whether she's in this life or the next!

Hi All,

Okay so spilling the beans:

smoked cigs 8+ years >

vaped probably 10 >

switched to Zyns about a year ago >

used gum about a month >

have been nicotene-free roughly 6 weeks.

And I'm struggling!

I feel like I have totally replaced it with eating. I've gained 10 lbs already.

I am restless often. I feel like something's always "missing," and I'm more irritable.

I already have issues with focus and they've gotten worse.

I don't really know why I'm posting this but glad this community's here. I don't want to go back, my workplace has instituted a nicotene-free policy, and while that wasn't my reason, I don't want to trigger that.

How long does this last? Anything ya'll have found that helps?

Thanks for listening and any advice!

Aiight fam how much OMM is on Level 3 and did you have to study explicitly or were you able to vibe it out? Any particular HY topics/treatments? Thanks!

Re: Pinellas county schools, would like thoughts on:

A) Palm Harbor University High

B) East Lake High

C) Countryside High

I am not strictly looking for just ranking/performance - looking for something that matches my kid (mid-high performance, plays sports, in the band, interested in STEM, socially well-adapted but also sensitive and needs a safe environment, loves outdoors and will be walking/biking the area around the school).

Please only answer if you've had kids in these schools or attended yourself.

Thanks in advance!!

Oh I guess I can add a poll too but I would love actually commentary as well!

View Poll