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I don't think it's very logical to say "he should have used his fancy lawyering skills" for something he signed before acquiring said skills.
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Oct 1, 2015 22:38
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pig slut lisa posted:I don't think it's very logical to say "he should have used his fancy lawyering skills" for something he signed before acquiring said skills. Youre wrong ib this case. He could have consolidated as soon as he got out of school and not missed a beat. He didn't get locked out of forgiveness, just credit for years his loans were unconsolidated after school.
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Oct 1, 2015 22:55
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Mocking Bird posted:Wait, is this a thing? Beats me, I don't know why consolidation mattered in his case
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Oct 1, 2015 23:23
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I have all unconsolidated stafford/grad plus loans serviced through Nelnet on Pay-as-you-Earn, and my hope is for the 10 year forgiveness. I read through all the fine print and it seemed to me that my loans qualified, but am I mistaken?
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Jeffrey of YOSPOS posted:No, I think that people who sell 25k loans should not be allowed to trick people with 30k salaries into signing up for them. Regardless, right now they can just get it forgiven via bankruptcy, unlike student loans. I think that's going a bit far, I don't condone predatory lending, but at some point people need to take responsibility for their own actions too.
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Oct 1, 2015 23:27
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mastershakeman posted:Beats me, I don't know why consolidation mattered in his case Right now only Direct Loans and Direct consolidation loans are eligible for PSLF. His loans are either Stafford loans or Perkins loans, which would have needed to be consolidated to be eligible for PSLF.
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Oct 1, 2015 23:45
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If a loan repayment program can be misunderstood by a bad lawyer, then it's a badly implemented program. This program is also meant to serve teachers and other professions who have lower expectations of their ability to parse loan documents. If you can say "Oh well you just didn't fill out a form 3 years ago" and lose thousands of dollars, then there is room for improvement in the program. Government services don't need to be exercises in Survival of the Fittest for the important skill of Reading Contracts.
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Oct 1, 2015 23:50
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Armacham posted:Right now only Direct Loans and Direct consolidation loans are eligible for PSLF. His loans are either Stafford loans or Perkins loans, which would have needed to be consolidated to be eligible for PSLF. So the dude in this thread is screwed? Heck ,I know dozens of lawyers who haven't consolidated their Stafford loans because once variable rates went away there was no reason to . quote:I have all unconsolidated stafford/grad plus loans serviced through Nelnet on Pay-as-you-Earn, and my hope is for the 10 year forgiveness. mastershakeman fucked around with this message at 23:58 on Oct 1, 2015 |
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Oct 1, 2015 23:54
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Bad with money overdrive. Star Citizen has blown $82m of $90m and achieved nothing. There is no game. Additional bad with money I funded the game for $30 so I've just requested a refund as it's clear they'll never try to make the game they initially promised. http://www.forbes.com/sites/jasonev...on-is-to-blame/ SA thread with all the news starts with suicide prevention advice. http://forums.somethingawful.com/showthread.php?threadid=3744337
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Oct 2, 2015 00:38
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Devor posted:If a loan repayment program can be misunderstood by a bad lawyer, then it's a badly implemented program. This program is also meant to serve teachers and other professions who have lower expectations of their ability to parse loan documents. I agree in principle that student loan terms should be easy to understand and navigate, but this doesn't sound like a case of "missing the fine print." The petition doesn't say that the program is confusing, it says quote:Some individuals may only plan to work temporarily in a qualifying public service position, and therefore choose not to consolidate in the federal direct loan system believing the existing terms of their student loans to be more favorable. If these individuals, then choose to stay in a qualifying public service position, they do not receive any credit for their earlier service. They only receive loan forgiveness credit for the time after they consolidate loans in the federal direct loan system. This is unfair and should be fixed.
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Oct 2, 2015 00:47
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Nail Rat posted:Youre wrong ib this case. He could have consolidated as soon as he got out of school and not missed a beat. Ah, gotcha. I'm out of my element cause I made it through law school without loans  Devian666 posted:Bad with money overdrive. Star Citizen has blown $82m of $90m and achieved nothing. There is no game. Additional bad with money I funded the game for $30 so I've just requested a refund as it's clear they'll never try to make the game they initially promised. just lmao at everything
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Oct 2, 2015 01:04
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Devian666 posted:Bad with money overdrive. Star Citizen has blown $82m of $90m and achieved nothing. There is no game. Additional bad with money I funded the game for $30 so I've just requested a refund as it's clear they'll never try to make the game they initially promised. Kickstarter is an insane concept and I have no idea why people actually put money down. If the people are held to SOME standard then you could maybe not be BWM but as it currently stands... it's better to go gamble your money at the casino. I honest think part of the kickstarter service should be business support, management support etc etc that's included in the package for successful campaigns above a certain amount (similar to what some business incubators do). 90 loving million and not a adviser to be seen.... aaaaaaaaaaaahahaha
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Oct 2, 2015 01:34
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Suspicious Lump posted:Kickstarter is an insane concept and I have no idea why people actually put money down. If the people are held to SOME standard then you could maybe not be BWM but as it currently stands... it's better to go gamble your money at the casino. Oh, and IIRC only like 2m of Star Citizen's money actually came from Kickstarter proper, the rest was from their own private crowdfunding site. I don't blame people for backing it for $40 or whatever in the initial go-around, but Star Citizen has had "crazily overambitious" written all over its face for a looooong time now, and putting down hundreds of dollars for pre-ordering is, of course, nuts. The games that I back are usually in the $10-20 range. If they fail, oh well. I like supporting certain kinds of games, so it's worth it to me overall.
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Oct 2, 2015 01:47
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quote:My fiancee and I are 23 years old; I'm in graduate school, making $24k/year on a research assistant stipend. My fiancee recently finished her undergraduate degree and got a pretty decent job in her field, making $34k/year. However, she got very stressed out with the number of hours she was working (~50 hours per week at work, plus another ~25 per week at home). After about a month, she started getting really bad anxiety and began to have panic attacks, and decided to leave her job due to mental health reasons. Since then, she's been looking for many part-time jobs, but hasn't heard back on any of them (and most of them pay $10-11/hr). Additionally, she's wanting to go back to graduate school next year and complete a master's degree in a field that pays about the same as her undergraduate field (hint: neither pays well). Half of their overspending is fast food for one person! https://www.reddit.com/r/personalfinance/comments/3n4fud/fiancee_quit_her_job_and_we_are_in_a_pretty_big/
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Oct 2, 2015 01:47
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I think the biggest mistake when I funded $30 for SC was that I didn't check what actually happened with Freelancer. I had no idea Microsoft took over and forced the game to be finished rather than drag on forever. Doing a little research before funding is a good idea. Those that spent $1k to $10k on a non-existent game were completely insane. e: SC thread has Derek Smart posting again, that's always bad with money. http://forums.somethingawful.com/showthread.php?threadid=3744337&pagenumber=49#post450915553 Devian666 fucked around with this message at 01:55 on Oct 2, 2015 |
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Oct 2, 2015 01:49
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HelloIAmYourHeart posted:Half of their overspending is fast food for one person! This reminds me of another similar story...a blue one, in fact
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Oct 2, 2015 01:51
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Easychair Bootson posted:He's saying that if you intentionally don't "fill out a form 3 years ago" because you believe it to be favorable to you, but then realize that it's not, you should still be able to retroactively take that action. That doesn't sound unfair to me. Yeah, that's fair enough then, dude was trying to hedge his bets. I thought it was like Income-based repayment, where he was paying some reduced X value where it would have been clear he thought he was in that program.
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Oct 2, 2015 01:51
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oopsie rock posted:This reminds me of another similar story...a blue one, in fact Whatever happened to that trainwreck?
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Oct 2, 2015 05:09
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Weatherman posted:Whatever happened to that trainwreck? Thread closed/moved to E/N for being made up bullshit and/or therapy problems not budget problems. Can neither confirm nor deny, refuse to check e/n.
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Oct 2, 2015 05:14
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Devian666 posted:Bad with money overdrive. Star Citizen has blown $82m of $90m and achieved nothing. There is no game. Additional bad with money I funded the game for $30 so I've just requested a refund as it's clear they'll never try to make the game they initially promised. It's Platform Masters with millions of dollars and hundreds of employees behind it.
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Oct 2, 2015 05:16
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NancyPants posted:Thread closed/moved to E/N for being made up bullshit and/or therapy problems not budget problems. It's either a frighteningly committed long-con troll or someone with really serious, deep-seated personal problems. The thread is locked while BS is supposed to be "achieving goals" like cooking basic meals for herself. That is, if she isn't too consumed buying her husband Star Wars toys to win his affection, struggling to throw away empty food containers or meticulously cataloging Dancing With The Stars and voting from her 12 dedicated emails accounts. I can't decide if it's fake or not; some of the details seem too personal to be made up, but the cherry picking of responses and there regular bread crumb trail make it so suspicious. Either way it's a depressing read that is motivating lots of people to clean their homes and sort out their finances, so at least there are some positive outcomes.
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Oct 2, 2015 05:28
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Noggin Monkey posted:It's either a frighteningly committed long-con troll or someone with really serious, deep-seated personal problems. The thread is locked while BS is supposed to be "achieving goals" like cooking basic meals for herself. That is, if she isn't too consumed buying her husband Star Wars toys to win his affection, struggling to throw away empty food containers or meticulously cataloging Dancing With The Stars and voting from her 12 dedicated emails accounts. One or both of them is utterly insane and I pray to whatever thing might be listening that they never procreate. But I got plenty of mileage out of it while half of my lake week was rained out, and my husband still asks me to buy him Star Wars poo poo just to bust my balls. But for real they cray cray
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Oct 2, 2015 05:37
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Noggin Monkey posted:meticulously cataloging Dancing With The Stars and voting from her 12 dedicated emails accounts  I stopped following before that came to light
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Oct 2, 2015 05:45
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For someone that claims microwaving food takes too much effort, you'd think obsessively tracking DWTS would make her pass out. She literally spends hours watching the broadcast TWICE and crunching numbers to see who has the most votes. I've decided that it's a troll exaggerating details of their life because they desperately crave attention. It's just too much otherwise.
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Oct 2, 2015 06:38
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mastershakeman posted:So the dude in this thread is screwed? https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service posted:Which types of federal student loans qualify for PSLF? FFEL includes Stafford loans and plus loans so yup.
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Oct 2, 2015 06:43
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Armacham posted:FFEL includes Stafford loans and plus loans so yup. StudentAid.ed.gov posted:The William D. Ford Federal Direct Loan (Direct Loan) Program is the largest federal student loan program. Under this program, the U.S. Department of Education is your lender. There are four types of Direct Loans available: Nah, looks like I will be okay, I mistakenly called them Stafford loans. All my loans are Direct, apparently. They are just unconsolidated under Pay-as-you-Earn.
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Oct 2, 2015 06:56
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Mocking Bird posted:Nah, looks like I will be okay, I mistakenly called them Stafford loans. All my loans are Direct, apparently. They are just unconsolidated under Pay-as-you-Earn. Cool you're all set then. No reason to change anything.
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Oct 2, 2015 07:03
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Armacham posted:FFEL includes Stafford loans and plus loans so yup. Holy moly I'm pretty sure a lot of people I know are gonna get utterly, totally hosed on this. But since I'm bitter and jealous of their govt jobs that pay more than private sector ones, I'm not going to say anything.
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Oct 2, 2015 13:14
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Here's a good one:My ex-husband has stopped paying alimony and child support posted:Someone pointed me here because I really need legal advice and I can't afford a lawyer right now. My (first) ex-husband and I divorced 16 yrs ago. It was not a good marriage, he tricked me and pretended to be more ambitious then we was. He didn't fight me though because he knew he would lose and because my new boyfriend had an uncle who was a divorce lawyer that helped me. So we never went to court but he agreed to pay me alimony and child support for our daughter. He always paid for 16 years but this past July he stopped paying both alimony and child support! Our daughter is 18 now but she did start college this year and as far as I know he has to continue child support up until she graduates. He has also turned our daughter against me because she has moved out and won’t talk to me anymore. He also refuses to pay me alimony anymore because he says that 16 yrs was long enough. I can’t afford a lawyer to take him to court because I am no longer with the man who was my boyfriend back then. We were married but we got divorced years ago, he is a deadbeat without money and I don’t think his uncle will help me for free this time. Without the alimony my financial situation is not good and it has put a strain on my current relationship because we are always fighting about money and had to postpone our engagement because of it. I live in the state of Virginia. Does anyone know where I can get legal aid or find a lawyer who will help me for free? I don’t think its right that he can suddenly stop paying and I feel so stupid for not taking him to court all that time ago to get a court order. r/legaladvice  e: Hmmm there seems to be debate over whether this is a genuine post or a red pill/MRA guy posting a fake "horrible stupid woman" story pig slut lisa fucked around with this message at 13:32 on Oct 2, 2015 |
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Oct 2, 2015 13:29
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Marriage #1 posted:It was not a good marriage, he tricked me and pretended to be more ambitious then we was. Marriage #2 posted:We were married but we got divorced years ago, he is a deadbeat without money Marriage #3, errr, Engagement #3, errr, Relationship #??? posted:put a strain on my current relationship because we are always fighting about money and had to postpone our engagement because of it If real, this is a mixture of hilarious and sad  Some people never learn.
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Oct 2, 2015 13:51
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Correct me if I'm wrong here, but most times alimony is ended when the ex-spouse gets a new partner (in this case, marriage #2.) So that dude actually did her a solid by paying so long.
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Oct 2, 2015 14:08
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pig slut lisa posted:Here's a good one: It's got to be fake, although it could be possible. If he had gone to court he certainly wouldn't have been required to pay alimony after she remarried, but she specifically says they didn't go to court. That said, you only get court-ordered alimony if you've been married a long time and depended on the other spouse for support. If I get married and my wife realizes I'm just not that ambitious and divorces me after a couple of years, she ain't getting poo poo from my lazy rear end. Any court would just call us two lazy divorcees and say we're even.
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Oct 2, 2015 14:15
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Armacham posted:FFEL includes Stafford loans and plus loans so yup. My loans are listed as "Direct Subsidized Stafford" so who the gently caress even knows. They're direct loans but also Stafford loans? Whatever I'm gonna end up paying them all anyway, there isn't much there, but way to make it super confusing.
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Oct 2, 2015 14:58
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Wickerman posted:Correct me if I'm wrong here, but most times alimony is ended when the ex-spouse gets a new partner (in this case, marriage #2.) So that dude actually did her a solid by paying so long. All depends. My dad was paying until every child graduated college too.
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Oct 2, 2015 17:01
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overdesigned posted:My loans are listed as "Direct Subsidized Stafford" so who the gently caress even knows. They're direct loans but also Stafford loans? Whatever I'm gonna end up paying them all anyway, there isn't much there, but way to make it super confusing. That's really weird of your servicer to use both terms. Stafford loans were under the FFEL, which were no longer offered after 2010.
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Oct 2, 2015 17:30
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GoutPatrol posted:All depends. My dad was paying until every child graduated college too. Alimony or child support?
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Oct 2, 2015 20:38
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I've got one you'll like: A friend of my wife is in her early 20s and graduated this year from college as a social worker. She got a job that, as it turned out, she finds absolutely horrible. She hates the work itself (which is very different from what the job listing said), her superiors are incompetent, way in over their head, and not supportive of their employees at all, and she's afraid for her physical safety (which is understandable, given that she's maybe 1.55m, has no natural authority, and works alone with adolescent refugees from countries where women are not supposed to tell a man what to do). She's actively looking for another job, and had an offer already, but didn't take it, because it pays less than her current job and she needs the money. Now why can't she take a pay cut? She's young, single, has no debt, and even lives in a house that belongs to her parents (not sure if she pays rent or not). Well...  Horses. She owns a horse together with her sister, so there's rent for the stable, the costs for food and the vet, and whatever else comes with owning a large, dumb, fragile herbivore. Since that's not enough, they're planning to rent a second horse, so that she and her sister can go for a ride together. So multiply the running costs for a horse by two, and add horse rent. She even bought a used SUV (with cash, so GWM) so that they can pull a horse trailer to move the horses to where they can go horse riding together. This used up her entire savings (BWM), so now she can't afford to take the extended driver's test she needs to pull a horse trailer. Which is okay, because she doesn't even own a horse trailer.
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Oct 3, 2015 14:38
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Horse chat makes me sad because I'm living it. Here's a new one: https://www.reddit.com/r/personalfinance/comments/3nby4c/debt_throwaway_i_fell_for_a_online_dating_scam/ Match.com turns into Nigerian dating scam.
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Oct 3, 2015 15:40
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OneWhoKnows posted:Horse chat makes me sad because I'm living it. OP deleted the post. Is there an archive somewhere?
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Oct 3, 2015 16:09
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Tea.EarlGrey.Hot. posted:OP deleted the post. Is there an archive somewhere? Ah, poo poo I should've copied the OP into a quote. The general gist is: Guy meets a girl on match.com, move over to emails and talk. "She" talks him into sending money that will, of course, be paid back once she makes it to the States. He ends up sending somewhere around $20,000 via various methods like direct cash and purchasing items and shipping it to Nigeria. They also have his bank account information. quote:She sent a nice poem, and I thought "Cute, is it original?" So I googled it and found all the scam weblinks. Then I started from the very beginning from her first email and saw it was used in scams as well. I [EDIT: Didn't] check that from the start because of the US phone number she gave and the person I TALKED to vouched for her in perfect English.
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Oct 3, 2015 16:31
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HelloIAmYourHeart posted:Half of their overspending is fast food for one person! My favorite part is that a "pretty decent job in her field" with her degree only earns $34,000 and takes her a total of 75 hours a week... I'm not even going to do the hourly on that. Teacher? That would explain the high number of at home hours. I'm not critical of people taking low paying careers that they find satisfying, but you at least hope that as a trade off you get good work/life balance.
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