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I found a 180 loophole to income-based repayment schemes
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| sapphire famous landscape painting | 03/14/19 |
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| sapphire famous landscape painting | 03/14/19 |
| Bipolar glittery hell | 06/24/19 |
| vibrant organic girlfriend senate | 06/25/19 |
| Aromatic Maize Turdskin Corner | 06/25/19 |
| Boyish bawdyhouse nibblets | 01/06/21 |
| transparent elastic band | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 04/22/19 |
| nofapping coldplay fan | 06/24/19 |
| 180 mildly autistic market | 06/24/19 |
| Boyish bawdyhouse nibblets | 01/06/21 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Boyish bawdyhouse nibblets | 01/06/21 |
| salmon greedy stock car stage | 06/24/19 |
| Splenetic Tanning Salon Feces | 06/24/19 |
| nofapping coldplay fan | 06/24/19 |
| 180 mildly autistic market | 06/24/19 |
| salmon greedy stock car stage | 06/24/19 |
| 180 mildly autistic market | 06/24/19 |
| nofapping coldplay fan | 06/24/19 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Medicated fanboi cumskin | 07/28/19 |
| Aromatic Maize Turdskin Corner | 06/25/19 |
| mauve exciting dysfunction center | 06/24/19 |
| salmon greedy stock car stage | 06/24/19 |
| mauve exciting dysfunction center | 06/24/19 |
| Embarrassed to the bone misanthropic pozpig | 06/24/19 |
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| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Stirring house-broken half-breed | 06/24/19 |
| Razzmatazz Stead Black Woman | 06/24/19 |
| Blue Twinkling Uncleanness Rigpig | 06/24/19 |
| nofapping coldplay fan | 06/25/19 |
| vibrant organic girlfriend senate | 06/25/19 |
| Hilarious wine sweet tailpipe | 06/25/19 |
| transparent elastic band | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 07/28/19 |
| hairraiser headpube | 07/28/19 |
| Bill Paxton and Paul Reiser in ALIENS | 08/24/22 |
| azure trip gas station | 08/24/22 |
| Out-of-control water buffalo | 08/24/22 |
| Bill Paxton and Paul Reiser in ALIENS | 03/09/23 |
Poast new message in this thread
Date: March 14th, 2019 8:49 PM Author: Bill Paxton and Paul Reiser in ALIENS tl;dr Income is calculated post-401k contribution, so max your 401k in the month you use to certify income
The income-based programs allow you to use a paystub to certify income and use taxable income to estimate your income.
What I did was max out my 401k one month: I make $14.5k/month (paid monthly), and Vanguard maxes out at 75%, so put up about 10k into my 401k, leaving my monthly income as ~$4.5k. I submitted this paystub to the loan servicer and now have a ~$200/mo payment.
This is 180 because even if I go the entire 25 years, it doesn't come close to my total loan value. Also, time value of money and I also expect further loan relief. Worst case scenario I get rich and have to pay back my loan. |
Date: March 14th, 2019 8:50 PM Author: sapphire famous landscape painting LJL at proles who have to repay loans. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932659) |
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Date: March 14th, 2019 8:51 PM Author: Bill Paxton and Paul Reiser in ALIENS Actually it's incredibly prestigious to let the government pay hundreds of thousands on your behalf and then stiff the government on the repayment. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932664) |
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Date: March 14th, 2019 8:52 PM Author: sapphire famous landscape painting (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: Bipolar glittery hell (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: vibrant organic girlfriend senate (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: Aromatic Maize Turdskin Corner (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: Boyish bawdyhouse nibblets (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: transparent elastic band (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031448) |
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Date: April 22nd, 2019 7:50 PM Author: Bill Paxton and Paul Reiser in ALIENS Elizabeth Warren bump (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38126710) |
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Date: June 24th, 2019 9:52 PM Author: nofapping coldplay fan So fraud. Would bet the house you're Jewish (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435038) |
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Date: June 24th, 2019 9:54 PM Author: 180 mildly autistic market the entire system is fraud on multiple levels (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435041) |
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Date: January 6th, 2021 12:18 PM Author: Boyish bawdyhouse nibblets (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688319) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437321) |
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Date: January 6th, 2021 12:18 PM Author: Boyish bawdyhouse nibblets Just pay back money so bantu kikes can enjoy a healthy treasury Eat shit |
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Date: June 24th, 2019 9:57 PM Author: salmon greedy stock car stage it's not a loophole. you're supposed to report material changes in your income. you don't think that your income going up by 300% the next month is a material change? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435049) |
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Date: June 24th, 2019 10:15 PM Author: Splenetic Tanning Salon Feces (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: nofapping coldplay fan He's Jewish. I've heard this "loophole" logic used to justify various forms of fraud (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435159) |
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Date: June 24th, 2019 10:26 PM Author: 180 mildly autistic market OY VEY PAY UP UR SHEKELS! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435215) |
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Date: June 24th, 2019 10:27 PM Author: salmon greedy stock car stage jews being jews doesn't justify fraud. have some integrity. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435222) |
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Date: June 24th, 2019 10:27 PM Author: 180 mildly autistic market OY VEY ITS ANNODAH SHOAH! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435226) |
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Date: June 24th, 2019 10:32 PM Author: nofapping coldplay fan https://www.google.com/amp/s/amp.app.com/amp/740083002
Loophole or nah? |
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Date: June 25th, 2019 2:09 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38438246) |
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Date: July 28th, 2019 4:27 PM Author: Medicated fanboi cumskin (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: Aromatic Maize Turdskin Corner (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: mauve exciting dysfunction center What is the largest percent that is immaterial friend? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435238) |
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Date: June 24th, 2019 10:37 PM Author: salmon greedy stock car stage (110 iq redditor asking "but where do we draw the line?") (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435274) |
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Date: June 24th, 2019 11:03 PM Author: mauve exciting dysfunction center No (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435416) |
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Date: June 24th, 2019 10:38 PM Author: Embarrassed to the bone misanthropic pozpig 25% is pushing it (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435284) |
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Date: June 24th, 2019 11:07 PM Author: electric rusted chapel cr, this faggot needs to be prosecuted (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435434) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS You misunderstand this checkbox on the income certification form.
I ALWAYS check the "my income has significantly changed" box so that they let me use paystubs to calculate income instead of tax returns.
You only have to certify once a year. You have the option of certifying again (say if you lost your job or similar), but are not required to. Hilariously, if your income changes upward, you still can pay the lower rate the rest of the year. Income based repayment is a "heads I win, tails you lose" program. |
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Date: June 24th, 2019 10:29 PM Author: Stirring house-broken half-breed 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435240) |
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Date: June 24th, 2019 10:36 PM Author: Razzmatazz Stead Black Woman Happy purim (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435262) |
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Date: June 24th, 2019 11:04 PM Author: Blue Twinkling Uncleanness Rigpig (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: nofapping coldplay fan (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: vibrant organic girlfriend senate There are all sorts of schemes like this...its 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437255) |
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Date: June 25th, 2019 11:28 AM Author: Hilarious wine sweet tailpipe Bookmarking for later (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437264) |
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Date: March 9th, 2023 7:28 PM Author: transparent elastic band (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031460) |
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Date: July 28th, 2019 3:30 PM Author: Bill Paxton and Paul Reiser in ALIENS They are cracking down on income based repayment fraud, luckily they are getting at the dumb goyim who claim 30 dependents: https://abcnews.go.com/amp/Politics/wireStory/feds-find-potential-fraud-student-loan-repayment-plans-64575667
Still riding this loophole, but currently have $0 payments for the next year because I had a brief lapse of employment and recalculated income during this period lol. |
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Date: July 28th, 2019 4:25 PM Author: hairraiser headpube (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601728) |
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Date: August 24th, 2022 9:00 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065702) |
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Date: August 24th, 2022 9:05 PM Author: azure trip gas station This works if your annual income contains a large bonus every year. It makes sense as well because you can’t guarantee you’ll have a giant bonus next year so you certify based on your lower income like you would on child support (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065720) |
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Date: August 24th, 2022 10:03 PM Author: Out-of-control water buffalo More POWERFUL hack: lose your job and get on unemployment. Update/recertify your income using your unemployment checks as your basis. Enjoy like a $30/month payment for a year. Rinse and repeat as needed. Thanks libs! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065984) |
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Date: March 9th, 2023 7:25 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031443) |