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160k loans, 80k salary - help me figure this shit out
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Date: February 8th, 2010 10:59 PM Author: vibrant mint friendly grandma nibblets T14 grad, 160k loans, half public at 6.8 (@#$% staffords), half private at anywhere from 5-7%
Making 80k a year - take home is about $4,000/month.
Monthly loan payments are around $2,000. Yeah you read that right. Not eligible for IBR (right on the cusp), not doing govt work so no loan forgiveness. Rent/food/utils etc. about $1,000.
Kill self?
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Date: February 8th, 2010 11:00 PM Author: sienna galvanic trailer park private investor Part time job at McDonald's? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060478) |
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Date: February 8th, 2010 11:02 PM Author: vibrant mint friendly grandma nibblets shrewd but not very decadent (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060508) |
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Date: February 8th, 2010 11:03 PM Author: sienna galvanic trailer park private investor Minimum wage is now $7.25
You could cut down on your food bills too.
Also, when was the last time you got a blowjob from a 17 year old? ITE, we are getting some hot high school girls |
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Date: February 8th, 2010 11:05 PM Author: Ebony Mediation what was your lsat? if decent and you're in a big metro you can pick up some decent cash ($50-100/hr) tutoring college kids, especially if they know your school is preftige
i did this for a while in law school 2L/3L |
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Date: February 8th, 2010 11:06 PM Author: sienna galvanic trailer park private investor Also old dudes on craigslist will pay you $100 to suck YOUR dick (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060570) |
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Date: February 8th, 2010 11:07 PM Author: vibrant mint friendly grandma nibblets !! hallelujah i'm saved (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060578) |
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Date: February 8th, 2010 11:06 PM Author: vibrant mint friendly grandma nibblets good, but i work full time dood. i guess i could tutor on weekends? is this a legitimate strategy? but i'm fucking exhausted by then (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060576) |
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Date: February 8th, 2010 11:11 PM Author: Ebony Mediation i mean, obviously it would mean putting in a decent amount of hours, but 5 hrs a week at $50/hr cuts your loan payments in half, essentially (ahem..some of the money i made this way might not have made it onto my tax return..ahem..not legal advice)
it's a legitimate strategy if you're willing to work at it and hustle a little. i mean i know you didn't graduate top 25% at a good school to find yourself teaching the lsat, but what else are you going to do to boost your income until the economy turns around? |
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Date: February 8th, 2010 11:17 PM Author: vibrant mint friendly grandma nibblets can't i just rob a bank or something?
but thanks, this might be worth considering. |
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Date: February 8th, 2010 11:00 PM Author: Ebony Mediation laid off?
shitlaw?
bottom of the class? |
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Date: February 8th, 2010 11:01 PM Author: vibrant mint friendly grandma nibblets door number 1
I was top 1/4 at graduation, had my pick of firms. chose wrongly. FML |
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Date: February 8th, 2010 11:02 PM Author: Ebony Mediation go clerk
??????
profit |
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Date: February 8th, 2010 11:04 PM Author: vibrant mint friendly grandma nibblets now this is both shrewd and decadent. corporate though, not much chance of getting a solid clerkship given all the resumes out there (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060538) |
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Date: February 8th, 2010 11:00 PM Author: Primrose Spot god damn this is depressing.
where do you live?
this just reminds me that i hate taxes.
so if i make 20k more, my take home per year only goes up by 12k. |
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Date: February 8th, 2010 11:01 PM Author: sienna galvanic trailer park private investor You got to pay those cops $120k to keep those kids in harlem from slingin' weed (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060500) |
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Date: February 8th, 2010 11:03 PM Author: Primrose Spot god damn i hate all gov employees. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060524) |
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Date: February 8th, 2010 11:05 PM Author: sienna galvanic trailer park private investor my mom's cousin is married to a NYC cop
She works as a teachers aid and they own a McMansion in NJ with Viking stoves...
You're doing it wrong |
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Date: February 8th, 2010 11:06 PM Author: Primrose Spot CLEARLY. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060571) |
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Date: February 8th, 2010 11:07 PM Author: sienna galvanic trailer park private investor Are you handy with the steel if you know what I mean?
I bet Azn female are URM in the police department |
Date: February 8th, 2010 11:03 PM Author: carmine circlehead factory reset button THe student loan interest deduction is fucking pathetic huh? Apparently I'm 'rich.' (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060528) |
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Date: February 8th, 2010 11:04 PM Author: vibrant mint friendly grandma nibblets not nearly as rich as i am brah (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060532) |
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Date: February 8th, 2010 11:05 PM Author: carmine circlehead factory reset button admittedly i'm not in your situation but I feel for you just the same. there's so much shit i want, which is the whole reason i fucking went to LS, and i find myself about to cut a massive check to my consolidator just to get shit paid early and pay $7 to the IRS. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060561) |
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Date: February 8th, 2010 11:10 PM Author: vibrant mint friendly grandma nibblets i'll play a tiny violin for you
:) |
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Date: February 8th, 2010 11:04 PM Author: Primrose Spot with taxes at this rate, if i get laid off, i'm just going to collect my 1k+ per month and save up and then move overseas. wtf. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060539) |
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Date: February 8th, 2010 11:07 PM Author: carmine circlehead factory reset button i saw that Argentina just nationalized their central bank and the Nikkei is off 51.
my only consolation in all of this is that we are all fucking going down together. |
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Date: February 8th, 2010 11:05 PM Author: buff exhilarant wrinkle dysfunction how are you only taking home 60% of gross? nyc? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060552) |
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Date: February 8th, 2010 11:07 PM Author: vibrant mint friendly grandma nibblets it's not 4k exactly, it's 4.4 or something like that (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060591) |
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Date: February 8th, 2010 11:29 PM Author: Metal Native why is that so crazy? NYS has like a 6.25% tax rate (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060804) |
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Date: February 8th, 2010 11:48 PM Author: buff exhilarant wrinkle dysfunction just seems like a very large amount. i've seen my parents tax returns before and they paid maybe 30-35% in tax on $300k+ income. 40% on $80k income seems insane. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061067) |
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Date: February 8th, 2010 11:59 PM Author: Primrose Spot marriage and dependents and mortgage helps quite a bit. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061204) |
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Date: February 8th, 2010 11:23 PM Author: Disgusting ladyboy You've got about 1400 a month to play around with. Quit you're bitching? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060753) |
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Date: February 8th, 2010 11:25 PM Author: vibrant mint friendly grandma nibblets how much of that 1400 would you suggest saving?
stocking up my 401k = no mo money |
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Date: February 8th, 2010 11:30 PM Author: Metal Native maxing out my 401k always comes first for me.
do it hard now and let compound interest work its magic for 40 years |
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Date: February 8th, 2010 11:33 PM Author: coiffed titillating rigpig i agree. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060853) |
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Date: February 8th, 2010 11:31 PM Author: Disgusting ladyboy I would come up with a realistic budget meaning how much you'd spend on "semi-necessities." Personally, I know I'm going to spend a certain amount going to the movies each month, going out, maybe on video games --whatever (a few beers a week in the budget but table service is a luxury).
I would save 90% of the money that isn't within that budget. The rest you can spend on nice electronics, furniture, clothes, whatever. |
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Date: February 8th, 2010 11:30 PM Author: Primrose Spot - trans costs
- food costs
- misc. medical costs
- utilities
given loans, he's like making the equivalent of 40k.
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Date: February 8th, 2010 11:33 PM Author: Disgusting ladyboy 40k is a decent living. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060864) |
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Date: February 8th, 2010 11:34 PM Author: Primrose Spot no it's not. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060874) |
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Date: February 8th, 2010 11:39 PM Author: vibrant mint friendly grandma nibblets i'm not going to starve or anything but I wouldn't call 40k a real living (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060930) |
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Date: February 8th, 2010 11:40 PM Author: Metal Native 40k is what every single one of us could have made without law school, without three years of our life not making a cent (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060947) |
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Date: February 9th, 2010 12:00 AM Author: Disgusting ladyboy Well if you made 40k you probably wouldn't have saved much of the money anyway--and the COL for those three years is included in the loans. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061212) |
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Date: February 8th, 2010 11:31 PM Author: coiffed titillating rigpig man, wtf.
4000. take away 1k for rent, etc. 800 for misc. shit, eating out. that leaves 2200. put 1500 down on loans. save around 700. once you hit 6 months of savings, plow that 7 into loans.
totally doable. |
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Date: February 8th, 2010 11:33 PM Author: Primrose Spot monthly loan payments are 2000. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060851) |
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Date: February 8th, 2010 11:35 PM Author: coiffed titillating rigpig shift it around then. he should reduce his rent, get a roomie. reduce misc. spending.
he's in a decent position |
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Date: February 8th, 2010 11:36 PM Author: Primrose Spot he is fucking more pauper than pauper and such. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060900) |
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Date: February 8th, 2010 11:40 PM Author: vibrant mint friendly grandma nibblets yeah reducing rent should be a priority
i'm basically living paycheck to paycheck if I max out my 401k - trying to decide if it's worthwhile |
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Date: February 8th, 2010 11:41 PM Author: coiffed titillating rigpig normally i'd say max out the 401k but if you're overleveraged, and you are, hit those loans with all you've got. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060970) |
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Date: February 8th, 2010 11:47 PM Author: vibrant mint friendly grandma nibblets good point. i guess it's not worth waiting out to see if 'bama passes student loan forgiveness :P (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061045) |
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Date: February 8th, 2010 11:48 PM Author: coiffed titillating rigpig you'll have plenty to forgive even if he does. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061053) |
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Date: February 9th, 2010 1:10 AM Author: domesticated personal credit line hissy fit "monthly loan payments are 2000."
There's some huge bullshit going on here. Apparently this super genius never thought of getting off the 10 year plan. |
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Date: February 8th, 2010 11:34 PM Author: frisky unholy hell wait, what school did you go to? you might be eligible for BSF (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060870) |
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Date: February 8th, 2010 11:40 PM Author: vibrant mint friendly grandma nibblets lower half of T14. what is BSF? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14060952) |
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Date: February 8th, 2010 11:52 PM Author: glittery shimmering whorehouse u fukt. rofl. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061106) |
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Date: February 8th, 2010 11:53 PM Author: Stubborn Aphrodisiac School Cafeteria So you save about 25% of take home which is about 1k-$1,400 and this just isn't enough? I mean you won't be driving a BMW (you could if you don't mind saving basically nothing) but come on man. You are way ahead of the curve with that level of savings. Especially over doods STILL unemployed and 2k/month in loans. So please STFU and stop whining. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061121) |
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Date: February 8th, 2010 11:53 PM Author: Ruddy property Hint: after just taxes, small amt of health insurance costs per month + minimum loan payments (for a 30 yr payoff) you will take home about $1900/mth... or about what your assistant manager at pizza hut does. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061125) |
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Date: February 8th, 2010 11:57 PM Author: vibrant mint friendly grandma nibblets yeah but how's the lifestyle in BIGPIZZA? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061171) |
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Date: February 8th, 2010 11:59 PM Author: Ruddy property lots of 17 yr old girls + 40 hrs/week? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061205) |
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Date: February 9th, 2010 12:00 AM Author: vibrant mint friendly grandma nibblets fuck, i knew i went the wrong route (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061223) |
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Date: February 8th, 2010 11:55 PM Author: Big dilemma main people Um, go into extended repayment - 30 yrs instead of 10.
Shit sucks, but because you are a poor, you should do it. It will cut your payments by 40% probably.
Hopefully later you will be able to get a real job and pay down those loans. |
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Date: February 8th, 2010 11:57 PM Author: walnut garrison I second the poster above. If dood has 25% or more disposable income then I don't see the reason for the whining. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061173) |
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Date: February 9th, 2010 12:00 AM Author: vibrant mint friendly grandma nibblets interesting - most responses seem to be in one of two camps
"YOUR FUCKED" - kill self, went to law school/JD to make what a fast food manager makes, etc.
"STFU" - doing fine, can save/spend $1k a month, better off than a lot of people |
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Date: February 9th, 2010 12:01 AM Author: Ruddy property tbf, $1k/mth in "savings" is like half of the "unlocked" money you would have per mth if you were some random MRI Tech with a community college degree.
It'd be pretty easy to have about $2500 in disposable income/mth as a young, single community college grad in the medical field. |
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Date: February 9th, 2010 12:03 AM Author: vibrant mint friendly grandma nibblets i really need to start dealing me some crack (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061271) |
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Date: February 9th, 2010 10:52 AM Author: idiotic set don't you know? these are the only two responses xo'ers are able to give regarding financial advice q's. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14064556) |
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Date: February 9th, 2010 12:02 AM Author: Primrose Spot one group is employed. the other is more ite pwned. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061247) |
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Date: February 9th, 2010 12:05 AM Author: coiffed titillating rigpig decent (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061286) |
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Date: February 9th, 2010 12:07 AM Author: glittery shimmering whorehouse how does "ur fukt" imply that one is unemployed? to me making $80k/yr (which I will be in a few months) = massive ITE pwned. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061314) |
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Date: February 9th, 2010 12:08 AM Author: Primrose Spot i'm saying the ppl saying he's fucked are employed and the ppl saying he should stfu are unemployed. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061336) |
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Date: February 9th, 2010 12:10 AM Author: glittery shimmering whorehouse oh ok. i thought the opposite for some reason. probably because im stupid. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061363) |
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Date: February 9th, 2010 12:11 AM Author: coiffed titillating rigpig i'm employed and say he should stfu. it's not an impossible position to be in (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061375) |
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Date: February 9th, 2010 12:13 AM Author: glittery shimmering whorehouse anybody who says he should stfu up can't count. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061402) |
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Date: February 9th, 2010 12:15 AM Author: coiffed titillating rigpig it's better than being unemployed with 160k debt.
and truth is, you don't really need to count when you're unemployed. 0 is 0. |
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Date: February 9th, 2010 12:16 AM Author: Ruddy property $0 is 0 but he can at least defer his loans while unemployed and still collect unemployment (if he was employed in the first place) (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061441) |
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Date: February 9th, 2010 12:18 AM Author: coiffed titillating rigpig lol at deferring loans. those loans will only come back with interest tacked on. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061464) |
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Date: February 9th, 2010 12:19 AM Author: Ruddy property Meh... I think I'd rather be unemployed and working some dead end job under the table. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061483) |
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Date: February 9th, 2010 12:16 AM Author: glittery shimmering whorehouse you can always find somebody worse off than you. and somebody better off. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061444) |
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Date: February 9th, 2010 12:17 AM Author: Primrose Spot this is a fucking tarded comment. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061449) |
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Date: February 9th, 2010 12:18 AM Author: coiffed titillating rigpig this statement is odd, coming from you. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061474) |
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Date: February 9th, 2010 12:22 AM Author: Primrose Spot stupid comments like you can't count if you have 0 is pure rhetoric and has 0 substance.
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Date: February 9th, 2010 12:39 AM Author: coiffed titillating rigpig what you wrote makes 0 fucking sense. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061765) |
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Date: February 9th, 2010 12:17 AM Author: walnut garrison I agree with you here dooder. Being able to service debt, pay bills and still sock away 25% of your take home pay is definitely not a position from which to be whining. Yes, he could be earning more, but he could be in a MUCH worse position than others. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061452) |
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Date: February 9th, 2010 12:18 AM Author: Ruddy property yeah sock away 25% after housing etc? lol not (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061471) |
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Date: February 9th, 2010 12:14 AM Author: Ruddy property lol yes... STFU after graduating from a top UG, graduating from a top LS and barely making more than a burger junkie at a fast food restaurant paying MINIMUMS on your loans
Yeah... no reason to be pissed about that at all. |
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Date: February 9th, 2010 12:16 AM Author: vibrant mint friendly grandma nibblets pissed is one thing - i've (almost) come to terms with that. wasted energy at this point
i'm honeslty just trying to figure out how to optimize given my unfortunate situation |
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Date: February 9th, 2010 12:16 AM Author: coiffed titillating rigpig it could be way way way worse. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061433) |
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Date: February 9th, 2010 12:18 AM Author: Ruddy property Yeah... but the entire exercise was an exercise in futility... what the OP has now discovered is that no matter how smart you are or how much you work at school... it's a dead end in 99.9% of the places and you wind up the same place you started (making what you did in HS as supervisor of walmart) (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061462) |
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Date: February 9th, 2010 12:23 AM Author: vibrant mint friendly grandma nibblets yikes, dont get me started with ranting. HS/college buddies etc are starting to make the big bucks, buy houses, shit like that. I, on the other hand, due to a bad beat (chose the wrong firm), am trying to figure out how many roommates I'll need in order to survive.
the only silver lining through all this is that i'm in it for the long term - my career earnings potential will hopefully be solid based on the exp and shit i'm doing now. only thing keepin me sane... |
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Date: February 9th, 2010 12:20 AM Author: haunting bawdyhouse knife It could but op just seems to be trying to figure it out. no harm done, peeps (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061494) |
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Date: February 9th, 2010 12:18 AM Author: contagious abusive casino giraffe 2k/mo on 160k? is that all 10 yr repayment or something? if u want some extra cash just spread it out o a 30 yr repayment until you are making more (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061473) |
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Date: February 9th, 2010 12:20 AM Author: Ruddy property Yeah because they just hand these reschedulings out like candy now adays. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061493) |
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Date: February 9th, 2010 12:22 AM Author: coiffed titillating rigpig for federal loans it's as easy as clicking a link. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061528) |
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Date: February 9th, 2010 12:23 AM Author: Ruddy property tbf, he will triple/quadruple the amt he pays over the life of the loan (nearly $600k) (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061558) |
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Date: February 9th, 2010 12:38 AM Author: vibrant mint friendly grandma nibblets i'm so pissed off at that locked in 6.8 BULLSHIT (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061758) |
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Date: February 9th, 2010 1:15 AM Author: contagious abusive casino giraffe he can always make double or triple payments once he's making more money. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062369) |
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Date: February 9th, 2010 1:16 AM Author: Ruddy property "if he ever makes more money" (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062373) |
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Date: February 9th, 2010 12:23 AM Author: vibrant mint friendly grandma nibblets my feds are already all 30 year - let me double check (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061554) |
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Date: February 9th, 2010 12:44 AM Author: vibrant mint friendly grandma nibblets so digging deeper, looks like i might qualify for IBR - anyone have any experience with this? my fed loans are scattered among 3 different lenders, how does it work with multiple lenders?
i could potentially lower monthly payments to 1500-1700, seems like a huge amount in my situation |
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Date: February 9th, 2010 12:46 AM Author: coiffed titillating rigpig First, do you have federal loans? or just private? federal is covered by IBR, privates are not.
google "ibr" calculator. use one of the calculators, plug in your numbers and it'll tell you if you qualify
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Date: February 9th, 2010 12:48 AM Author: vibrant mint friendly grandma nibblets yes, approx 70-80k federal
i used the calculator just now and it said i possibly qualify when I combined all my fed loans together - across 3 different lenders (1. staffords, 2. consolidated staffords, 3. perkins)
have you done this? how do you get the multiple lenders to work together? |
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Date: February 9th, 2010 12:50 AM Author: coiffed titillating rigpig best thing to do is call DOE, explain your situation and let them help you.
if they're federally backed, you're good. |
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Date: February 9th, 2010 12:51 AM Author: vibrant mint friendly grandma nibblets thanks dude. appreciate the level head (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14061988) |
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Date: February 9th, 2010 12:54 AM Author: glittery shimmering whorehouse i would kill myself, for the record. not *killself*, but literally kill myself. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062043) |
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Date: February 9th, 2010 12:55 AM Author: vibrant mint friendly grandma nibblets still mulling that option dooder (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062057) |
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Date: February 9th, 2010 1:02 AM Author: glittery shimmering whorehouse if your connection to family isn't that strong, you could just flee the country too. also, if you think you can get away with it, you could fake your own death, but then you lose your degrees and you're back to pizza hut manager. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062185) |
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Date: February 9th, 2010 12:57 AM Author: coiffed titillating rigpig what's your situation dude? biglaw? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062114) |
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Date: February 9th, 2010 1:03 AM Author: glittery shimmering whorehouse T14 3L with no offer (per my name). got a finance gig paying $80k, not too much upside :(. fucked. but only ~$30k in debt. doubt i'll be taking the bar. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062203) |
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Date: February 9th, 2010 12:57 AM Author: coiffed titillating rigpig no problem man.
sorry abuot the layoff dude. but be glad you have work. just work hard and move up, make more dough and you'll be good. |
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Date: February 9th, 2010 1:18 AM Author: haunting bawdyhouse knife DOE= Dept of Education? Pardon my incompetence, but how could they help? for e.g? (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062398) |
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Date: February 9th, 2010 1:31 AM Author: diverse crackhouse internal respiration Just move back in with your parents. (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14062591) |
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Date: February 9th, 2010 3:20 AM Author: Zippy godawful pit per http://www.ibrinfo.org/calculator.php
single 160k loans 80k salary 8.5% interest (grad plus)
amounts to 800/mo in loan payments
what am i missing? |
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Date: February 9th, 2010 1:07 PM Author: vibrant mint friendly grandma nibblets not all 160k is eligible for IBR - that's federal only. i have something like 75k federal loans, rest are private (and on a 10 year repayment plan that can't be changed) (http://www.autoadmit.com/thread.php?thread_id=1216915&forum_id=2#14065433) |