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ITT: predict how MAF earl will be when i post my student loan

account info. I'll post a screenshot after a few replies
Chrome Racy Field
  07/06/14
...
naked theatre skinny woman
  07/06/14
very
arrogant adventurous resort
  07/06/14
...
Sexy lilac private investor cruise ship
  07/06/14
I work at a public interest place. Lady from HR recently cam...
self-absorbed blue weed whacker knife
  07/06/14
oh trust me this will be good. I predict a MAF earl. edi...
Chrome Racy Field
  07/06/14
180
disgusting address
  07/06/14
...
Chrome Racy Field
  07/06/14
Poast
spectacular greedy hall
  07/06/14
I hoap he's taken his heart pills before he clicks TT
Rebellious galvanic stage boltzmann
  07/06/14
yes clearly you should be fucked for life because you were d...
Mind-boggling slimy library cuck
  07/06/14
untenable position
Drab pit hominid
  07/06/14
I'm slightly disappointed he hasn't come here yet, but here ...
Chrome Racy Field
  07/06/14
Doesn't that just mean you make like 40k? Or is the school p...
exciting temple rigpig
  07/06/14
my taxable income for 2014 will be around 35K. The amount I...
Chrome Racy Field
  07/06/14
This country is fucked.
alcoholic public bath legend
  07/06/14
every time I think about this, I realize how insanely fucked...
Chrome Racy Field
  07/06/14
lol, $1200 dollars a year towards $255k? I am IRATE right no...
alcoholic public bath legend
  07/06/14
I calculated it out when I first started working, and my tak...
Chrome Racy Field
  07/06/14
I'm not mad at you for taking advantage of this. I'm mad tha...
alcoholic public bath legend
  07/06/14
yeah at some point i think the gravy train is going to come ...
Chrome Racy Field
  07/06/14
180!!
mauve kitty senate
  07/06/14
please ESTIMATE the number of blood vessels about to pop on ...
Chrome Racy Field
  07/06/14
255,970
mauve kitty senate
  07/06/14
tyft
Chrome Racy Field
  07/06/14
...
mahogany trip useless brakes double fault
  07/07/14
...
Motley house
  04/05/15
...
pearly nighttime plaza
  09/28/18
wow
bisexual mad cow disease brunch
  07/06/14
lol wtf. i never read the PAYE threads, how does this shit w...
arrogant adventurous resort
  07/06/14
put hand out get handout
Drab pit hominid
  07/06/14
(maf boomer copping mortgage deduction)
Mewling very tactful institution
  07/07/14
taking advantage of bullshit fiscal policy =/= to supporting...
Drab pit hominid
  07/07/14
lol 180 brother, i'm sure he's upset.
bright location keepsake machete
  07/06/14
Jesus.
Soul-stirring olive home kitty cat
  07/06/14
LJL. How MAD will earl be when he realizes that you are on I...
electric casino partner
  07/07/14
one eighty.
Sticky french chef foreskin
  07/07/14
You're not even going to be covering interest for the year. ...
lemon crusty stead laser beams
  07/07/14
PAYE caps capitalization at 10% of principal
Mewling very tactful institution
  07/07/14
Seriously? Fuck I'm pissed even more that PAYE's not an opti...
lemon crusty stead laser beams
  07/07/14
(Guy that will be POOR AS FUCK for the rest of his days)
arousing sweet tailpipe
  07/06/14
this is basically true
Chrome Racy Field
  07/06/14
Do you have to stay in public service for 10 years? What ...
drunken harsh forum
  07/06/14
no, you can stay on IBR or PAYE even after leaving public se...
Chrome Racy Field
  07/06/14
Would I be an idiot for living a poverty-level existence for...
drunken harsh forum
  07/06/14
Yes. Even if you end up losing money in the long run, you...
mauve kitty senate
  07/06/14
absolutely not. that's exactly the way I would have gone if...
Chrome Racy Field
  07/06/14
If you have 120k debt pay it off. I have full freight and...
exciting temple rigpig
  07/06/14
Assume I'm retarded with respect to financial matters. At w...
drunken harsh forum
  07/06/14
it doesn't make sense at all for you to do IBR/PAYE, not at ...
Chrome Racy Field
  07/06/14
What if I have a clerkship for 2016 and plan on going into p...
drunken harsh forum
  07/06/14
Then PAYE/IBR. My feelings are that if you make the minim...
exciting temple rigpig
  07/06/14
I'd lean toward paying most of it off still, leaving around ...
Chrome Racy Field
  07/06/14
It depends on a number of factors. If you google you can fin...
exciting temple rigpig
  07/06/14
Guy bragging on bort full of jr. partners and senior associa...
Razzle-dazzle candlestick maker
  07/06/14
Jr partners. Tyft.
Rebellious galvanic stage boltzmann
  07/06/14
...
mauve kitty senate
  07/06/14
...
claret state jewess
  07/07/14
...
Iridescent Hairraiser Nowag Range
  09/28/18
juniors partner
Chrome Racy Field
  09/28/18
not bragging at all man. I'm salaryfucked for life (potenti...
Chrome Racy Field
  07/06/14
he's not getting irrationally upset. for those of us who pay...
Swollen insanely creepy shitlib
  07/06/14
tbf this is a drop in the bucket - there are far greater thi...
Chrome Racy Field
  07/06/14
your first point is not a point. in fact whenever someone sa...
Swollen insanely creepy shitlib
  07/06/14
in many ways, paye recipients are worse than any ghetto welf...
Drab pit hominid
  07/06/14
please explain. I can't wait to hear this sealclubber logic...
Chrome Racy Field
  07/06/14
not all welfare recipients are responsible for their circums...
Drab pit hominid
  07/07/14
rofl
spectacular greedy hall
  07/06/14
lol oh no your precious tax dollars
spectacular greedy hall
  07/06/14
ya thats money out of my pocket.
Swollen insanely creepy shitlib
  07/06/14
I've posted this before, but the problems aren't with sarc. ...
exciting temple rigpig
  07/06/14
I mean yes if you can take advantage of it, do it, but that ...
Swollen insanely creepy shitlib
  07/06/14
do any grad schools let you deduct as a business expense?
Drab pit hominid
  07/06/14
some people try to deduct their MBA: http://poetsandquant...
concupiscible judgmental roast beef rehab
  07/07/14
CR. I'm not a tax law or tax policy master man, and proba...
electric casino partner
  07/07/14
if law school loans were dischargeable, they would be at 15%...
Nofapping excitant new version
  07/07/14
Shit schools should be charged at higher interest rates, and...
electric casino partner
  07/07/14
Did you go to HYSCCN? If not then you deserve a 15% interes...
Nofapping excitant new version
  07/07/14
absurd N trolling
Emerald Flickering Mood
  07/07/14
...
Submissive sound barrier
  07/11/14
"if law school loans were dischargeable, they would be ...
sable supple school halford
  07/07/14
just do $250,000 in unsecured loans to a 21 year old going t...
Nofapping excitant new version
  07/07/14
To be fair, olds in your generational cohort got unsecured l...
electric casino partner
  07/07/14
those were not dischargeable.
Nofapping excitant new version
  07/07/14
When did you graduate breh?
electric casino partner
  07/07/14
Remind me again what your interest rate is?
Chrome Racy Field
  07/07/14
pls respond
Chrome Racy Field
  07/07/14
i wish they were, but there are distinctions the main one b...
Drab pit hominid
  07/07/14
cr sarc will always have his jd to open doors
mahogany trip useless brakes double fault
  07/07/14
This is a pretty nonsensical distinction, as many mortgage i...
electric casino partner
  07/07/14
uh, you can take back entrepeneurs' security on loans you c...
Drab pit hominid
  07/07/14
I understand the concept of security, breh, but creditors of...
electric casino partner
  07/07/14
not get anything at all? bullshit. they get the underlying a...
Drab pit hominid
  07/07/14
lol reptiles
disgusting address
  07/06/14
The real problem with earl is that he is a hypocritical fagg...
Rebellious galvanic stage boltzmann
  07/06/14
lol whats gay. Debt loads made me pick a different school so...
Swollen insanely creepy shitlib
  07/06/14
Don't get me wrong, I hate subsidizing this shit too. The w...
Rebellious galvanic stage boltzmann
  07/06/14
After 20-25 years of 10-15 percent of their income bro Mo...
spectacular greedy hall
  07/06/14
is this actually true? I'd be curious to see the numbers, e...
Chrome Racy Field
  07/06/14
yeah probably not the extreme cases and definitely not the i...
spectacular greedy hall
  07/06/14
yeah fair enough - I was thinking mostly of people in my boa...
Chrome Racy Field
  07/06/14
this. his hatred of IBR/PAYE is such bullshit considering h...
Chrome Racy Field
  07/06/14
And his graduation into a healthy market that could actually...
electric casino partner
  07/07/14
180 you have a lot of debt bro
spectacular greedy hall
  07/06/14
how much interest do u rack up per month? how long until you...
snowy native son of senegal
  07/06/14
hey man why don't you bounce on my cock for a change?
citrine roommate
  07/06/14
i thought that was steez's job
snowy native son of senegal
  07/06/14
? never heard of DP?
citrine roommate
  07/06/14
loans are just below 8%, so I'm racking up about 20K in inte...
Chrome Racy Field
  07/06/14
lol
arrogant adventurous resort
  07/06/14
this is no laughing matter im UTTERLY SERIOUS HERE but lo...
Chrome Racy Field
  07/06/14
Worried about tax bomb? Its going to destroy your retirement...
zombie-like cumskin brethren
  07/06/14
not exactly worried about the tax bomb, since it's been fixe...
Chrome Racy Field
  07/06/14
How the fuck do you sleep at night with a quarter-million in...
Slate fragrant orchestra pit organic girlfriend
  07/07/14
? that's the name of the game. the day when most people ful...
Glittery Community Account Hunting Ground
  07/07/14
all jokes aside, it can be stressful at times, which is why ...
Chrome Racy Field
  07/07/14
180!
Clear Zippy Dopamine
  07/13/14
...
Chrome Racy Field
  07/06/14
...
bright location keepsake machete
  07/07/14
LOL how the fuck did you get $255K in debt breh, weren't you...
bipolar pink half-breed corner
  07/07/14
why has earl avoided this thread
spectacular greedy hall
  07/07/14
sorry, I was living IRL this weekend and drinking and eating...
Nofapping excitant new version
  07/07/14
dat public interest tip
spectacular greedy hall
  07/07/14
bro your lack of MAF has made me seriously depressed. Plz s...
Chrome Racy Field
  07/07/14
this is the new normal for like 80% of law students graduati...
Glittery Community Account Hunting Ground
  07/07/14
scary shit
Chrome Racy Field
  07/11/14
180! Don't forget Sarc defends are heroes against baseless...
mahogany trip useless brakes double fault
  07/07/14
...
Emerald Flickering Mood
  07/07/14
...
Stubborn Church Gay Wizard
  07/07/14
...
Passionate Ivory Puppy
  07/11/14
...
Submissive sound barrier
  07/11/14
protip: loan balance still increasing
Chrome Racy Field
  04/05/15
meaning what - capitalized interest? guess youre getting fu...
Turquoise market
  04/05/15
bumped in anticipation of PSLF going away
Chrome Racy Field
  05/07/15
...
Chrome Racy Field
  10/14/15
bump for earl
Chrome Racy Field
  05/08/18
Just checked, $275,000 as of this morning
Chrome Racy Field
  09/28/18
lmaoo
pearly nighttime plaza
  09/28/18
it MIGHT reach $300,000 by the time I get to forgiveness. I...
Chrome Racy Field
  09/28/18
(guy about to owe his entire salary to the IRS)
Contagious dun crotch meetinghouse
  10/17/18
...
Flatulent Sandwich
  10/18/18
🤦‍♂️
flesh charismatic sanctuary
  10/18/18
5 years later, now at $280,000. Need to get to $300,000...
Chrome Racy Field
  04/14/19
growth has slowed. Only at $283,000 now. COVID basically s...
Chrome Racy Field
  11/09/20
Lmao. Bumping now that it's been forgiven. Absurd how much ...
Chrome Racy Field
  06/07/25
earl killed himself to death irl after this bump
alcoholic gaming laptop
  06/07/25


Poast new message in this thread



Reply Favorite

Date: July 6th, 2014 3:31 PM
Author: Chrome Racy Field

account info. I'll post a screenshot after a few replies

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880182)



Reply Favorite

Date: July 6th, 2014 3:37 PM
Author: naked theatre skinny woman



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880210)



Reply Favorite

Date: July 6th, 2014 3:37 PM
Author: arrogant adventurous resort

very

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880211)



Reply Favorite

Date: July 6th, 2014 3:37 PM
Author: Sexy lilac private investor cruise ship



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880212)



Reply Favorite

Date: July 6th, 2014 3:39 PM
Author: self-absorbed blue weed whacker knife

I work at a public interest place. Lady from HR recently came over to my office and was like "we wanted to ensure that all of our employees knew about PAYE and other federal loan forgiveness programs"

I chuckled, b/c I knew all about these things because XO

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880218)



Reply Favorite

Date: July 6th, 2014 3:59 PM
Author: Chrome Racy Field

oh trust me this will be good. I predict a MAF earl.

edit: meant to respond to TNSJTP but i'll just leave it here.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880334)



Reply Favorite

Date: July 6th, 2014 4:26 PM
Author: disgusting address

180

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880464)



Reply Favorite

Date: July 6th, 2014 4:23 PM
Author: Chrome Racy Field



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880452)



Reply Favorite

Date: July 6th, 2014 5:35 PM
Author: spectacular greedy hall

Poast

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880836)



Reply Favorite

Date: July 6th, 2014 5:37 PM
Author: Rebellious galvanic stage boltzmann

I hoap he's taken his heart pills before he clicks TT

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880850)



Reply Favorite

Date: July 6th, 2014 5:37 PM
Author: Mind-boggling slimy library cuck

yes clearly you should be fucked for life because you were dumb enough to go to a good law school and actually do well there before heading on to the public sector

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880857)



Reply Favorite

Date: July 6th, 2014 8:58 PM
Author: Drab pit hominid

untenable position

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881873)



Reply Favorite

Date: July 6th, 2014 5:51 PM
Author: Chrome Racy Field

I'm slightly disappointed he hasn't come here yet, but here we go:

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880943)



Reply Favorite

Date: July 6th, 2014 5:53 PM
Author: exciting temple rigpig

Doesn't that just mean you make like 40k? Or is the school picking up some of that?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880955)



Reply Favorite

Date: July 6th, 2014 5:55 PM
Author: Chrome Racy Field

my taxable income for 2014 will be around 35K. The amount I'm paying now is based off my 2012 taxable income.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880963)



Reply Favorite

Date: July 6th, 2014 6:11 PM
Author: alcoholic public bath legend

This country is fucked.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881059)



Reply Favorite

Date: July 6th, 2014 6:13 PM
Author: Chrome Racy Field

every time I think about this, I realize how insanely fucked up it is.

which is why I never think about it in the first place.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881066)



Reply Favorite

Date: July 6th, 2014 6:16 PM
Author: alcoholic public bath legend

lol, $1200 dollars a year towards $255k? I am IRATE right now brother. I probably take home about as much as you after taxes and loans, and I am a big lawyer.

Even on 60k a year you should at a minimum be forced to pay 1,000 a month, ten times what you're paying now.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881082)



Reply Favorite

Date: July 6th, 2014 6:19 PM
Author: Chrome Racy Field

I calculated it out when I first started working, and my takehome was about what it would have been if I was working NYC biglaw. The disparity got even bigger when I factored in COL differences.

I agree that my payments can and should be higher.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881089)



Reply Favorite

Date: July 6th, 2014 6:21 PM
Author: alcoholic public bath legend

I'm not mad at you for taking advantage of this. I'm mad that this exists to be taken advantage of. I mean JFC only paying 1,200 a year even though you make 60k? Who the fuck thinks this is a good idea.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881098)



Reply Favorite

Date: July 6th, 2014 6:28 PM
Author: Chrome Racy Field

yeah at some point i think the gravy train is going to come to an end. I'm not sure how bad the budgetary impact is right now but certainly it's going to get worse.

you already see the white house wanted to end the full public service loan forgiveness, and I'm sure more shit will hit the fan (especially if we get a republican president)

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881137)



Reply Favorite

Date: July 6th, 2014 6:12 PM
Author: mauve kitty senate

180!!

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881064)



Reply Favorite

Date: July 6th, 2014 6:19 PM
Author: Chrome Racy Field

please ESTIMATE the number of blood vessels about to pop on earl's forehead

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881090)



Reply Favorite

Date: July 6th, 2014 6:22 PM
Author: mauve kitty senate

255,970

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881103)



Reply Favorite

Date: July 6th, 2014 6:23 PM
Author: Chrome Racy Field

tyft

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881106)



Reply Favorite

Date: July 7th, 2014 2:47 PM
Author: mahogany trip useless brakes double fault



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885986)



Reply Favorite

Date: April 5th, 2015 6:40 PM
Author: Motley house



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#27626182)



Reply Favorite

Date: September 28th, 2018 6:06 PM
Author: pearly nighttime plaza



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917392)



Reply Favorite

Date: July 6th, 2014 6:14 PM
Author: bisexual mad cow disease brunch

wow

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881070)



Reply Favorite

Date: July 6th, 2014 6:14 PM
Author: arrogant adventurous resort

lol wtf. i never read the PAYE threads, how does this shit work?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881071)



Reply Favorite

Date: July 6th, 2014 8:59 PM
Author: Drab pit hominid

put hand out

get handout

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881883)



Reply Favorite

Date: July 7th, 2014 2:41 PM
Author: Mewling very tactful institution

(maf boomer copping mortgage deduction)

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885958)



Reply Favorite

Date: July 7th, 2014 3:21 PM
Author: Drab pit hominid

taking advantage of bullshit fiscal policy =/= to supporting it

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886162)



Reply Favorite

Date: July 6th, 2014 6:20 PM
Author: bright location keepsake machete

lol 180 brother, i'm sure he's upset.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881095)



Reply Favorite

Date: July 6th, 2014 6:32 PM
Author: Soul-stirring olive home kitty cat

Jesus.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881158)



Reply Favorite

Date: July 7th, 2014 3:09 PM
Author: electric casino partner

LJL. How MAD will earl be when he realizes that you are on IBR, and therefore paying 50% MOAR than a similarly-situated PAYE bro?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886090)



Reply Favorite

Date: July 7th, 2014 3:33 PM
Author: Sticky french chef foreskin

one eighty.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886234)



Reply Favorite

Date: July 7th, 2014 3:37 PM
Author: lemon crusty stead laser beams

You're not even going to be covering interest for the year. That shit is going to balloon even further out of control really quickly.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886252)



Reply Favorite

Date: July 7th, 2014 3:41 PM
Author: Mewling very tactful institution

PAYE caps capitalization at 10% of principal

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886280)



Reply Favorite

Date: July 7th, 2014 4:59 PM
Author: lemon crusty stead laser beams

Seriously? Fuck I'm pissed even more that PAYE's not an option for me.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886731)



Reply Favorite

Date: July 6th, 2014 5:53 PM
Author: arousing sweet tailpipe

(Guy that will be POOR AS FUCK for the rest of his days)

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25880957)



Reply Favorite

Date: July 6th, 2014 6:10 PM
Author: Chrome Racy Field

this is basically true

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881055)



Reply Favorite

Date: July 6th, 2014 6:25 PM
Author: drunken harsh forum

Do you have to stay in public service for 10 years?

What happens if you leave and start making more?

How does this affect your credit for things like mortgages?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881118)



Reply Favorite

Date: July 6th, 2014 6:26 PM
Author: Chrome Racy Field

no, you can stay on IBR or PAYE even after leaving public service. leaving public service would, however, affect the 10 year forgiveness.

if I leave and start making more then my payments will go up to meet that amount.

credit is completely intact. credit report shows on time payments since I'm paying according to the plan set out by the creditor

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881128)



Reply Favorite

Date: July 6th, 2014 6:29 PM
Author: drunken harsh forum

Would I be an idiot for living a poverty-level existence for two years in New York while doing Biglaw to pay off 120k debt?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881144)



Reply Favorite

Date: July 6th, 2014 6:31 PM
Author: mauve kitty senate

Yes.

Even if you end up losing money in the long run, you are a retard if you think at 50 you would rather have the extra 50k than enjoying yourself while young.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881153)



Reply Favorite

Date: July 6th, 2014 6:31 PM
Author: Chrome Racy Field

absolutely not. that's exactly the way I would have gone if I were in NYC. 120K debt is doable to pay off. Maybe only live like a miser for a year, though, and hold onto the rest of the debt longer if you really care about it.

other poster does have a point to live it up when you're young in NYC though. how old are you?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881154)



Reply Favorite

Date: July 6th, 2014 6:33 PM
Author: exciting temple rigpig

If you have 120k debt pay it off.

I have full freight and am in big law and am IBR-ing. Payments are 1500 now but should go down once PAYE for all kicks in.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881166)



Reply Favorite

Date: July 6th, 2014 6:34 PM
Author: drunken harsh forum

Assume I'm retarded with respect to financial matters. At what point does it make sense to pay it off vs do IBR/PAYE?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881170)



Reply Favorite

Date: July 6th, 2014 6:37 PM
Author: Chrome Racy Field

it doesn't make sense at all for you to do IBR/PAYE, not at that level of debt and your income. just pay it off. If you're really worried about having money saved, or that you'll be laid off, just build some savings as well.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881182)



Reply Favorite

Date: July 6th, 2014 6:38 PM
Author: drunken harsh forum

What if I have a clerkship for 2016 and plan on going into public sector after that?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881188)



Reply Favorite

Date: July 6th, 2014 6:40 PM
Author: exciting temple rigpig

Then PAYE/IBR.

My feelings are that if you make the minimum payments and save the difference, you're really only losing the differential in your interest rate vs your rate of return.

If you end up being a 60k prosecuter for 8 years, you'll save a shitton of money.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881195)



Reply Favorite

Date: July 6th, 2014 6:41 PM
Author: Chrome Racy Field

I'd lean toward paying most of it off still, leaving around 50K or so of debt and saving the money i would have used to pay off the rest of the debt.

1. you don't know if you're actually going to get a public service job

2. public service loan forgiveness could very well get gutted in the near future

but I'm highly risk averse in that regard... if you're dead-set on public service regardless then save the money instead of paying any of it off.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881201)



Reply Favorite

Date: July 6th, 2014 6:39 PM
Author: exciting temple rigpig

It depends on a number of factors. If you google you can find a calculator.

For me personally, I like IBR/PAYE because I never have to worry about my loans. I essentially don't have debt, I just have a 20 year 8% tax on my income.

If you know you're always going to make $150k +, youre likely dumb to do IBR. If you feel like the world could collapse tomorrow and you could be working at Best Buy then they make you breathe much easier.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881190)



Reply Favorite

Date: July 6th, 2014 6:27 PM
Author: Razzle-dazzle candlestick maker

Guy bragging on bort full of jr. partners and senior associates about his $60k salary.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881130)



Reply Favorite

Date: July 6th, 2014 6:28 PM
Author: Rebellious galvanic stage boltzmann

Jr partners. Tyft.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881135)



Reply Favorite

Date: July 6th, 2014 6:31 PM
Author: mauve kitty senate



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881157)



Reply Favorite

Date: July 7th, 2014 12:43 PM
Author: claret state jewess



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885252)



Reply Favorite

Date: September 28th, 2018 6:06 PM
Author: Iridescent Hairraiser Nowag Range



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917390)



Reply Favorite

Date: September 28th, 2018 6:09 PM
Author: Chrome Racy Field

juniors partner

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917402)



Reply Favorite

Date: July 6th, 2014 6:30 PM
Author: Chrome Racy Field

not bragging at all man. I'm salaryfucked for life (potentially).

earl (and you) will earn more, have greater wealth, etc, then I ever will. I just like seeing him get irrationally upset at shit like this, after he humblebrags about his net worth and salary.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881149)



Reply Favorite

Date: July 6th, 2014 6:33 PM
Author: Swollen insanely creepy shitlib

he's not getting irrationally upset. for those of us who pay 6 figures in taxes, it's upsetting to see our dollars be used so poorly

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881164)



Reply Favorite

Date: July 6th, 2014 6:36 PM
Author: Chrome Racy Field

tbf this is a drop in the bucket - there are far greater things in the budget to be upset about.

nevertheless, a fair point, as I'm sure I'd feel the exact same way if I had gone into biglaw.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881175)



Reply Favorite

Date: July 6th, 2014 7:10 PM
Author: Swollen insanely creepy shitlib

your first point is not a point. in fact whenever someone says this, its because there are no real points to make in defense

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881312)



Reply Favorite

Date: July 6th, 2014 9:01 PM
Author: Drab pit hominid

in many ways, paye recipients are worse than any ghetto welfare recipient

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881900)



Reply Favorite

Date: July 6th, 2014 9:07 PM
Author: Chrome Racy Field

please explain. I can't wait to hear this sealclubber logic.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881954)



Reply Favorite

Date: July 7th, 2014 2:39 PM
Author: Drab pit hominid

not all welfare recipients are responsible for their circumstances; pretty much all paye recipients are

not all welfare recipients are capable of working; pretty much all paye recipients are

ghetto welfare recipients know what they are; paye recipients act like they aren't a bullshit suck on the nation's wealth

paye recipients can receive far more actual dollar benefit than welfare recipients both overall and on a yearly basis

paye recipients don't have the negative attitudes directed at them so they don't have any shame. in fact, individuals who look at welfare recipients with negative attitudes should look upon paye recipients with at least the same level of negativity

paye recipients-invariably-will believe they are too good to live in the ghetto despite being no better than welfare recipients in most comparative ways and worse than them in other ways

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885949)



Reply Favorite

Date: July 6th, 2014 9:10 PM
Author: spectacular greedy hall

rofl

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881968)



Reply Favorite

Date: July 6th, 2014 6:41 PM
Author: spectacular greedy hall

lol oh no your precious tax dollars

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881199)



Reply Favorite

Date: July 6th, 2014 7:10 PM
Author: Swollen insanely creepy shitlib

ya thats money out of my pocket.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881307)



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Date: July 6th, 2014 6:42 PM
Author: exciting temple rigpig

I've posted this before, but the problems aren't with sarc. The problems are that we don't get to deduct law school as a business expense so our taxes are completely out of whack to begin with, and that law schools are run by criminals.

Take out your anger on the IRS and law school profs and admins.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881204)



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Date: July 6th, 2014 7:09 PM
Author: Swollen insanely creepy shitlib

I mean yes if you can take advantage of it, do it, but that doesnt mean the whole thing is not fucked up and for those of us actually footing the bill its highly upsetting.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881303)



Reply Favorite

Date: July 6th, 2014 9:02 PM
Author: Drab pit hominid

do any grad schools let you deduct as a business expense?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881906)



Reply Favorite

Date: July 7th, 2014 12:49 PM
Author: concupiscible judgmental roast beef rehab

some people try to deduct their MBA:

http://poetsandquants.com/2014/01/04/is-your-mba-tax-deductible/

JD i think is a no-go

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885299)



Reply Favorite

Date: July 7th, 2014 3:16 PM
Author: electric casino partner

CR.

I'm not a tax law or tax policy master man, and probably too stupid to understand business taxation. Still, it seems conceptually retarded that entrepreneurs who use loans to fund their businesses, but end up getting burnt due to downturns in the economy are not forced to live in perpetual wage slavery, and face no shame for their risk-taking.

Why should lawyers who took out loans to fund their educations, but got burnt by the shitty economy be treated any differently?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886116)



Reply Favorite

Date: July 7th, 2014 3:20 PM
Author: Nofapping excitant new version

if law school loans were dischargeable, they would be at 15%.

Or shit schools would get charged higher interest rates.

This may be fine, but TTT's would get destroyed.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886150)



Reply Favorite

Date: July 7th, 2014 3:28 PM
Author: electric casino partner

Shit schools should be charged at higher interest rates, and TTTs SHOULD be destroyed.

But there are plenty of bro's who followed the formerly-credited advice of going to a good law school and doing well there, but still got fucked due to market conditions outside of their control.

Maybe that's just one of life's risks, but there is a safety-valve to such risks in other contexts - why not this one?

Also, there is another way of looking at this:

Many recent law school grads had a choice of taking out relatively low-rate private loans, but opted for federal loans due to the IBR safety-net offered through federal loans. This was essentially part of the deal, and a major reason why people took higher-rate federal loans. So why do you hate on those who are now forced to rely on that IBR safety net, which was part of the deal they and the government agreed to at the beginning?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886205)



Reply Favorite

Date: July 7th, 2014 3:30 PM
Author: Nofapping excitant new version

Did you go to HYSCCN? If not then you deserve a 15% interest rate.

Any school where you dont have a 70%+ chance at biglaw should have a 12%+ interest rate.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886212)



Reply Favorite

Date: July 7th, 2014 3:39 PM
Author: Emerald Flickering Mood

absurd N trolling

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886267)



Reply Favorite

Date: July 11th, 2014 8:01 PM
Author: Submissive sound barrier



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25913224)



Reply Favorite

Date: July 7th, 2014 3:35 PM
Author: sable supple school halford

"if law school loans were dischargeable, they would be at 15%."

But historical evidence shows otherwise.



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886247)



Reply Favorite

Date: July 7th, 2014 3:38 PM
Author: Nofapping excitant new version

just do $250,000 in unsecured loans to a 21 year old going to Cardozo who "may be interested in international law, but a JD is a great overall degree no matter what..." at 4%.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886261)



Reply Favorite

Date: July 7th, 2014 3:43 PM
Author: electric casino partner

To be fair, olds in your generational cohort got unsecured loans that they consolidated at sub-2% rates, even after going to Cardozo and ending up in shitlaw.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886291)



Reply Favorite

Date: July 7th, 2014 3:58 PM
Author: Nofapping excitant new version

those were not dischargeable.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886369)



Reply Favorite

Date: July 7th, 2014 4:03 PM
Author: electric casino partner

When did you graduate breh?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886412)



Reply Favorite

Date: July 7th, 2014 5:19 PM
Author: Chrome Racy Field

Remind me again what your interest rate is?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886884)



Reply Favorite

Date: July 7th, 2014 9:06 PM
Author: Chrome Racy Field

pls respond

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25888006)



Reply Favorite

Date: July 7th, 2014 3:26 PM
Author: Drab pit hominid

i wish they were, but there are distinctions

the main one being

an entrepreneur can lose what was borrowed against, a person obtaining a degree cannot

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886192)



Reply Favorite

Date: July 7th, 2014 3:32 PM
Author: mahogany trip useless brakes double fault

cr

sarc will always have his jd to open doors

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886223)



Reply Favorite

Date: July 7th, 2014 3:46 PM
Author: electric casino partner

This is a pretty nonsensical distinction, as many mortgage investors discovered in 2008-2009. Assets disappear or go underwater, as did the value of law degrees over the past half-decade.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886310)



Reply Favorite

Date: July 7th, 2014 3:54 PM
Author: Drab pit hominid

uh, you can take back entrepeneurs' security on loans

you can take back real property securing debt

you can, uh, do jack shit about someone having a law degree if you loaned them the money to obtain it



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886349)



Reply Favorite

Date: July 7th, 2014 4:10 PM
Author: electric casino partner

I understand the concept of security, breh, but creditors often get burnt in business bankruptcy because assets are either not valued correctly, lose value, or are otherwise destroyed or depleted.

Just because lenders have a security interest in some asset does not mean that they will actually get anything resembling the fair market value of that asset, or for that matter, anything at all. Plenty of lenders got literally nothing by foreclosing on real property that had gone underwater in the recent mortgage crisis. Even more got literally nothing when asset-backed securities collapsed.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886460)



Reply Favorite

Date: July 7th, 2014 4:13 PM
Author: Drab pit hominid

not get anything at all? bullshit. they get the underlying asset. wtf are you talking about? are you talking about secondary mortgages?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886474)



Reply Favorite

Date: July 6th, 2014 6:42 PM
Author: disgusting address

lol reptiles

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881207)



Reply Favorite

Date: July 6th, 2014 7:13 PM
Author: Rebellious galvanic stage boltzmann

The real problem with earl is that he is a hypocritical faggot who took advantage of a program that allowed him to consolidate at a super low interest rate. He laughed a faggots who got screwed when that ladder was pulled up and now he bitches when people take advantage of a new sweet handout.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881322)



Reply Favorite

Date: July 6th, 2014 7:14 PM
Author: Swollen insanely creepy shitlib

lol whats gay. Debt loads made me pick a different school so im MAF I had to settle on a school while those who went to expensive schools get their debt forgiven

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881331)



Reply Favorite

Date: July 6th, 2014 7:17 PM
Author: Rebellious galvanic stage boltzmann

Don't get me wrong, I hate subsidizing this shit too. The whole system is fucked, but Earl is just a shiteating boomer who should be gassed.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881344)



Reply Favorite

Date: July 6th, 2014 7:19 PM
Author: spectacular greedy hall

After 20-25 years of 10-15 percent of their income bro

Most people will pay back their loans well before they are forgiven. These plans just make payment manageable.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881356)



Reply Favorite

Date: July 6th, 2014 7:37 PM
Author: Chrome Racy Field

is this actually true? I'd be curious to see the numbers, especially for those who are 150K+ in the hole.

what's the payment schedule for most student loans? 30 yrs?

edit: I'll grant that for most people, who aren't six figures into debt, they probably end up paying off their loans even on IBR/PAYE.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881455)



Reply Favorite

Date: July 6th, 2014 9:10 PM
Author: spectacular greedy hall

yeah probably not the extreme cases and definitely not the interest but the average law school debt is around 100k. 20 years of paying 10 percent of a 60k salary should cover the principal.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881967)



Reply Favorite

Date: July 6th, 2014 9:26 PM
Author: Chrome Racy Field

yeah fair enough - I was thinking mostly of people in my boat and figuring you were way off. something like 95% of all borrowers have less than six figures, though, so your point stands.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882078)



Reply Favorite

Date: July 6th, 2014 7:38 PM
Author: Chrome Racy Field

this. his hatred of IBR/PAYE is such bullshit considering his 1.75% interest rate.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881459)



Reply Favorite

Date: July 7th, 2014 3:18 PM
Author: electric casino partner

And his graduation into a healthy market that could actually employ him, as opposed to the cesspool in which the rest of us are trying to scrounge a living.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886133)



Reply Favorite

Date: July 6th, 2014 6:41 PM
Author: spectacular greedy hall

180

you have a lot of debt bro

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881202)



Reply Favorite

Date: July 6th, 2014 9:11 PM
Author: snowy native son of senegal

how much interest do u rack up per month? how long until your debt is north of half a mil?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881975)



Reply Favorite

Date: July 6th, 2014 9:11 PM
Author: citrine roommate

hey man why don't you bounce on my cock for a change?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881982)



Reply Favorite

Date: July 6th, 2014 9:12 PM
Author: snowy native son of senegal

i thought that was steez's job

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881985)



Reply Favorite

Date: July 6th, 2014 9:13 PM
Author: citrine roommate

? never heard of DP?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25881990)



Reply Favorite

Date: July 6th, 2014 9:25 PM
Author: Chrome Racy Field

loans are just below 8%, so I'm racking up about 20K in interest a year. As you can tell, I'm making a hefty 1K dent in that interest every twelve months.

I won't ever get to half a million (public service loan forgiveness willing) but it looks like I'll pass 350K easily.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882071)



Reply Favorite

Date: July 6th, 2014 9:29 PM
Author: arrogant adventurous resort

lol

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882107)



Reply Favorite

Date: July 6th, 2014 9:31 PM
Author: Chrome Racy Field

this is no laughing matter im UTTERLY SERIOUS HERE

but lol, just lol at our country

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882120)



Reply Favorite

Date: July 6th, 2014 9:33 PM
Author: zombie-like cumskin brethren

Worried about tax bomb? Its going to destroy your retirement savings. At least tax will be limited to your assets

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882130)



Reply Favorite

Date: July 6th, 2014 9:36 PM
Author: Chrome Racy Field

not exactly worried about the tax bomb, since it's been fixed for PSLF. worried that PSLF will be gutted, though, which is probably almost a certainty at this point.

so yeah, I guess in a roundabout way, I am.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882155)



Reply Favorite

Date: July 7th, 2014 2:56 PM
Author: Slate fragrant orchestra pit organic girlfriend

How the fuck do you sleep at night with a quarter-million in 8% loans that you're only paying $1k a year on (most probably toward interest, at that)?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886036)



Reply Favorite

Date: July 7th, 2014 4:06 PM
Author: Glittery Community Account Hunting Ground

?

that's the name of the game. the day when most people fully paid for their law school education is gone. now it's a hybrid system that came about due to bad gov't decisions and greedy boomer school administrators who together made law school unaffordable for all but the already rich. more controls on gov't funds will come in the relatively near future (within 10 yrs probably).

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886431)



Reply Favorite

Date: July 7th, 2014 5:07 PM
Author: Chrome Racy Field

all jokes aside, it can be stressful at times, which is why I just refuse to think about it. Problem solved!

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886777)



Reply Favorite

Date: July 13th, 2014 2:19 PM
Author: Clear Zippy Dopamine

180!

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25923018)



Reply Favorite

Date: July 6th, 2014 10:00 PM
Author: Chrome Racy Field



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25882365)



Reply Favorite

Date: July 7th, 2014 12:03 PM
Author: bright location keepsake machete



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885099)



Reply Favorite

Date: July 7th, 2014 12:17 PM
Author: bipolar pink half-breed corner

LOL how the fuck did you get $255K in debt breh, weren't you public UG + went to school in the low-tuition days of 2005?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885122)



Reply Favorite

Date: July 7th, 2014 12:30 PM
Author: spectacular greedy hall

why has earl avoided this thread

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885167)



Reply Favorite

Date: July 7th, 2014 2:45 PM
Author: Nofapping excitant new version

sorry, I was living IRL this weekend and drinking and eating too much.

I'm glad sarc wont be buried by impossible to make loan payments, but I think most of us can agree that it makes little sense for his payments to have no relation whatsoever to the amount of debt he has.

I would also be in favor of the debt never being forgiven. Why should it?

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885973)



Reply Favorite

Date: July 7th, 2014 2:51 PM
Author: spectacular greedy hall

dat public interest tip

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886011)



Reply Favorite

Date: July 7th, 2014 4:57 PM
Author: Chrome Racy Field

bro your lack of MAF has made me seriously depressed. Plz show more anger, tyia

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886719)



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Date: July 7th, 2014 12:34 PM
Author: Glittery Community Account Hunting Ground

this is the new normal for like 80% of law students graduating 2012 or later

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25885188)



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Date: July 11th, 2014 7:58 PM
Author: Chrome Racy Field

scary shit

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25913206)



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Date: July 7th, 2014 2:50 PM
Author: mahogany trip useless brakes double fault

180!

Don't forget Sarc defends are heroes against baseless charges of rape and public intoxication while Earl services midlaw partners in the suburbs of LA.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886008)



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Date: July 7th, 2014 3:04 PM
Author: Emerald Flickering Mood



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886066)



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Date: July 7th, 2014 3:16 PM
Author: Stubborn Church Gay Wizard



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25886115)



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Date: July 11th, 2014 7:59 PM
Author: Passionate Ivory Puppy



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25913210)



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Date: July 11th, 2014 8:02 PM
Author: Submissive sound barrier



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#25913229)



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Date: April 5th, 2015 6:39 PM
Author: Chrome Racy Field

protip: loan balance still increasing

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#27626172)



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Date: April 5th, 2015 6:53 PM
Author: Turquoise market

meaning what - capitalized interest? guess youre getting fucked w/r/t the 57k pslf cap (which will likely get further reduced in the next 4 years).

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#27626259)



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Date: May 7th, 2015 8:23 PM
Author: Chrome Racy Field

bumped in anticipation of PSLF going away

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#27844255)



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Date: October 14th, 2015 6:46 PM
Author: Chrome Racy Field



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#28967523)



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Date: May 8th, 2018 7:53 PM
Author: Chrome Racy Field

bump for earl

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36010884)



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Date: September 28th, 2018 6:03 PM
Author: Chrome Racy Field

Just checked, $275,000 as of this morning

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917372)



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Date: September 28th, 2018 6:10 PM
Author: pearly nighttime plaza

lmaoo

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917414)



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Date: September 28th, 2018 6:12 PM
Author: Chrome Racy Field

it MIGHT reach $300,000 by the time I get to forgiveness. It's gonna be close.

for earl's sake I hope it doesn't cross the mark. It might make him irate

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#36917426)



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Date: October 17th, 2018 8:01 PM
Author: Contagious dun crotch meetinghouse

(guy about to owe his entire salary to the IRS)

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#37045197)



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Date: October 18th, 2018 12:00 AM
Author: Flatulent Sandwich



(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#37047126)



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Date: October 18th, 2018 3:31 AM
Author: flesh charismatic sanctuary

🤦‍♂️

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#37047809)



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Date: April 14th, 2019 1:27 PM
Author: Chrome Racy Field

5 years later, now at $280,000.

Need to get to $300,000 for MAXIMUM EARL ANGER.

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#38086751)



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Date: November 9th, 2020 7:45 PM
Author: Chrome Racy Field

growth has slowed. Only at $283,000 now. COVID basically stopped any interest from capitalizing. Looks like when I get forgiveness here I won't quite hit $300,000

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#41329029)



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Date: June 7th, 2025 10:53 AM
Author: Chrome Racy Field

Lmao. Bumping now that it's been forgiven. Absurd how much money I ended up paying to these loans

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#48994494)



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Date: June 7th, 2025 11:09 AM
Author: alcoholic gaming laptop

earl killed himself to death irl after this bump

(http://www.autoadmit.com/thread.php?thread_id=2611813&forum_id=2#48994510)