u/thatmegathing

Can someone please give me a step by step of what they did when they hit 120? I know that I want to ask for some kind of forebearance after I make that payment, but do I have to recertify employment one more time after I hit 120 as well?

I'm in extra panic mode because I just recertified my income and my next (and goddamnit last) payment is more than $250 more than it has been.

Thanks in advance for any sage wisdom!

I've had an account with Beyond Finance for several years and they cleared up a little of my debt, but I feel like it's taking forever and now they keep calling me about a settlement and they are saying if I don't increase my monthly payments by more than double that my wages will be garnished up to 25% and it's starting to feel a little scammy. Do I stay with these people or are they total charlatans? I don't feel like they have my best interests in mind and when I threatened to quit the program before it was all doom and gloom and warnings of lawsuits. I said I'd contact the law firm representing one of the company's I owe money to myself and they said they'd direct me right back to Beyond because they have power of attorney. I'm feeling kind of stupid and am unsure what to do at this point. Any advice or suggestions or commiserations appreciated!

Hey, ya'll-

My loan payment is due on 7.4 BUT I'm currently in a weird forbearance right now that ends on the 4th. The site says that no payment is due, but I am wary of not making a payment and then screwing up my PSLF situation. On the flip side, I don't want to make the payment and have it not count (as has happened to me before, and I never got my money back).

I really don't want to attempt to call them right now because I generally wait hours for someone to speak with and I can imagine with all the changes coming up tomorrow that it's damn near impossible to get someone on the phone. What should I do? TIA for any insight and suggestions.

My sweet Nora girl passed away on 3.30, and I posted her here, but I'm still having a really hard time coping with her loss, and I'd like some other folks to hear her story and gaze upon her beautiful face.

Her backstory: She was found as a stray on a construction site in Williamsburg, Brooklyn, and brought to a local shelter. My husband and I had gone into the shelter to "say hi to the animals" with no intention of bringing one home. Nora was in a cage with a big sign on the front cautioning anyone not to open the cage and labeling her a "vicious" cat. My husband shrugged and opened the door, and she immediately launched herself into his arms, burrowing her head into his armpit and nursing. We could not and would not detach her from him, so she came home with us in the back of a cab.

She was a strange, wild, and wonderful character who could be choosy about the people she let pet her. Once, she was limping around, and we took her to the vet, and he took X-rays, ran tests, the whole gamut of things. Finally, he concluded she was just faking it for attention. Sure enough, two days later, I caught her not limping, and when I exclaimed about it, she started limping with the other leg.

She loved to eat and play and groom her kitty siblings, and she moved with us over 13 times-including two cross-country moves. Several years ago, she got scared by a dog and bolted into the redwoods. She was gone, fending for herself in the forest, for over a month. Nora resurfaced down the road quite a ways where she demanded to be let into the neighbor's house.

This past year, she lost a great deal of weight and was starting to show her age a bit-though she never really slowed down too much. The day before she passed I noticed her eyes were a big goopy and she tripped over a food bowl. I knew then that we didn't have much more time together. She passed in her sleep, in her usual sleeping position which I am thankful for.

I am eternally grateful for this incredible force that I was lucky enough to live with and love for 18 years. But I am also completely devastated and absolutely bereft without my wonderful Nora.

Thank you if you read all of this!

https://preview.redd.it/nkuv5h3npg9h1.png?width=1179&format=png&auto=webp&s=ee14e4f2afa8179d9329e3cfe420284ac410aedd

https://preview.redd.it/9rf67h3npg9h1.png?width=1179&format=png&auto=webp&s=81a87442b140ec585850cd00b4b587463275767e

https://preview.redd.it/pln0fi3npg9h1.png?width=1179&format=png&auto=webp&s=4257efc96a9a7967008138bff73a8c3539271ed6

https://preview.redd.it/lkhqai3npg9h1.png?width=1179&format=png&auto=webp&s=012adca488e20a4aac12e86217ce5e32dc23ebbd