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I found a 180 loophole to income-based repayment schemes
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| French slate stag film gaming laptop | 03/14/19 |
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
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| drab aromatic party of the first part school cafeteria | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 04/22/19 |
| bronze dingle berry | 06/24/19 |
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| ruby national | 01/06/21 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
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| Bill Paxton and Paul Reiser in ALIENS | 07/28/19 |
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| 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: French slate stag film gaming laptop 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: French slate stag film gaming laptop (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: geriatric lavender half-breed (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: Sienna property boiling water (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: Orange slippery office weed whacker (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: ruby national (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: drab aromatic party of the first part school cafeteria (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: bronze dingle berry 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: cerise sickened bawdyhouse 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: ruby national (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: ruby national 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: Curious Crystalline Cumskin 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: vivacious violent sweet tailpipe knife (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: bronze dingle berry 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: cerise sickened bawdyhouse 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: Curious Crystalline Cumskin 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: cerise sickened bawdyhouse 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: bronze dingle berry 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: Wine Indecent Persian Legend (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: Orange slippery office weed whacker (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: Infuriating coiffed garrison 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: Curious Crystalline Cumskin (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: Infuriating coiffed garrison 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: brass university faggotry 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: motley gay heaven yarmulke 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: bistre doctorate foreskin 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: irate range 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: cerebral buff becky selfie (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: bronze dingle berry (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: Sienna property boiling water 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: Magenta soggy tanning salon 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: drab aromatic party of the first part school cafeteria (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: Khaki Flirting School (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: Wonderful temple 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: sexy brethren 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) |