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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
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
...
diverse dog poop institution
  07/06/14
very
pink shivering incel
  07/06/14
...
flesh round eye
  07/06/14
I work at a public interest place. Lady from HR recently cam...
Lime jew
  07/06/14
oh trust me this will be good. I predict a MAF earl. edi...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
180
duck-like pistol senate
  07/06/14
...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
Poast
brindle odious community account
  07/06/14
I hoap he's taken his heart pills before he clicks TT
chrome preventive strike sandwich
  07/06/14
yes clearly you should be fucked for life because you were d...
Mind-boggling Wild Police Squad
  07/06/14
untenable position
Sickened abode hairy legs
  07/06/14
I'm slightly disappointed he hasn't come here yet, but here ...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
Doesn't that just mean you make like 40k? Or is the school p...
Passionate emerald brunch philosopher-king
  07/06/14
my taxable income for 2014 will be around 35K. The amount I...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
This country is fucked.
razzle bull headed hunting ground
  07/06/14
every time I think about this, I realize how insanely fucked...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
lol, $1200 dollars a year towards $255k? I am IRATE right no...
razzle bull headed hunting ground
  07/06/14
I calculated it out when I first started working, and my tak...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
I'm not mad at you for taking advantage of this. I'm mad tha...
razzle bull headed hunting ground
  07/06/14
yeah at some point i think the gravy train is going to come ...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
180!!
greedy mustard newt
  07/06/14
please ESTIMATE the number of blood vessels about to pop on ...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
255,970
greedy mustard newt
  07/06/14
tyft
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
...
Arousing zombie-like station
  07/07/14
...
lemon range knife
  04/05/15
...
high-end chest-beating church cuckold
  09/28/18
wow
mauve adulterous immigrant
  07/06/14
lol wtf. i never read the PAYE threads, how does this shit w...
pink shivering incel
  07/06/14
put hand out get handout
Sickened abode hairy legs
  07/06/14
(maf boomer copping mortgage deduction)
Navy 180 Resort
  07/07/14
taking advantage of bullshit fiscal policy =/= to supporting...
Sickened abode hairy legs
  07/07/14
lol 180 brother, i'm sure he's upset.
Razzle-dazzle demanding hall
  07/06/14
Jesus.
Canary Site
  07/06/14
LJL. How MAD will earl be when he realizes that you are on I...
clear school factory reset button
  07/07/14
one eighty.
razzmatazz plum electric furnace casino
  07/07/14
You're not even going to be covering interest for the year. ...
racy maize pervert
  07/07/14
PAYE caps capitalization at 10% of principal
Navy 180 Resort
  07/07/14
Seriously? Fuck I'm pissed even more that PAYE's not an opti...
racy maize pervert
  07/07/14
(Guy that will be POOR AS FUCK for the rest of his days)
seedy blood rage point
  07/06/14
this is basically true
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
Do you have to stay in public service for 10 years? What ...
dead voyeur
  07/06/14
no, you can stay on IBR or PAYE even after leaving public se...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
Would I be an idiot for living a poverty-level existence for...
dead voyeur
  07/06/14
Yes. Even if you end up losing money in the long run, you...
greedy mustard newt
  07/06/14
absolutely not. that's exactly the way I would have gone if...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
If you have 120k debt pay it off. I have full freight and...
Passionate emerald brunch philosopher-king
  07/06/14
Assume I'm retarded with respect to financial matters. At w...
dead voyeur
  07/06/14
it doesn't make sense at all for you to do IBR/PAYE, not at ...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
What if I have a clerkship for 2016 and plan on going into p...
dead voyeur
  07/06/14
Then PAYE/IBR. My feelings are that if you make the minim...
Passionate emerald brunch philosopher-king
  07/06/14
I'd lean toward paying most of it off still, leaving around ...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
It depends on a number of factors. If you google you can fin...
Passionate emerald brunch philosopher-king
  07/06/14
Guy bragging on bort full of jr. partners and senior associa...
snowy cumskin step-uncle's house
  07/06/14
Jr partners. Tyft.
chrome preventive strike sandwich
  07/06/14
...
greedy mustard newt
  07/06/14
...
brass bearded clown
  07/07/14
...
hideous irradiated international law enforcement agency psychic
  09/28/18
juniors partner
Know-it-all Harsh Bawdyhouse Mother
  09/28/18
not bragging at all man. I'm salaryfucked for life (potenti...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
he's not getting irrationally upset. for those of us who pay...
exhilarant amber house
  07/06/14
tbf this is a drop in the bucket - there are far greater thi...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
your first point is not a point. in fact whenever someone sa...
exhilarant amber house
  07/06/14
in many ways, paye recipients are worse than any ghetto welf...
Sickened abode hairy legs
  07/06/14
please explain. I can't wait to hear this sealclubber logic...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
not all welfare recipients are responsible for their circums...
Sickened abode hairy legs
  07/07/14
rofl
brindle odious community account
  07/06/14
lol oh no your precious tax dollars
brindle odious community account
  07/06/14
ya thats money out of my pocket.
exhilarant amber house
  07/06/14
I've posted this before, but the problems aren't with sarc. ...
Passionate emerald brunch philosopher-king
  07/06/14
I mean yes if you can take advantage of it, do it, but that ...
exhilarant amber house
  07/06/14
do any grad schools let you deduct as a business expense?
Sickened abode hairy legs
  07/06/14
some people try to deduct their MBA: http://poetsandquant...
Exciting stag film
  07/07/14
CR. I'm not a tax law or tax policy master man, and proba...
clear school factory reset button
  07/07/14
if law school loans were dischargeable, they would be at 15%...
Low-t stimulating windowlicker meetinghouse
  07/07/14
Shit schools should be charged at higher interest rates, and...
clear school factory reset button
  07/07/14
Did you go to HYSCCN? If not then you deserve a 15% interes...
Low-t stimulating windowlicker meetinghouse
  07/07/14
absurd N trolling
Saffron Mildly Autistic Set Pozpig
  07/07/14
...
up-to-no-good rehab marketing idea
  07/11/14
"if law school loans were dischargeable, they would be ...
house-broken thirsty school cafeteria new version
  07/07/14
just do $250,000 in unsecured loans to a 21 year old going t...
Low-t stimulating windowlicker meetinghouse
  07/07/14
To be fair, olds in your generational cohort got unsecured l...
clear school factory reset button
  07/07/14
those were not dischargeable.
Low-t stimulating windowlicker meetinghouse
  07/07/14
When did you graduate breh?
clear school factory reset button
  07/07/14
Remind me again what your interest rate is?
Know-it-all Harsh Bawdyhouse Mother
  07/07/14
pls respond
Know-it-all Harsh Bawdyhouse Mother
  07/07/14
i wish they were, but there are distinctions the main one b...
Sickened abode hairy legs
  07/07/14
cr sarc will always have his jd to open doors
Arousing zombie-like station
  07/07/14
This is a pretty nonsensical distinction, as many mortgage i...
clear school factory reset button
  07/07/14
uh, you can take back entrepeneurs' security on loans you c...
Sickened abode hairy legs
  07/07/14
I understand the concept of security, breh, but creditors of...
clear school factory reset button
  07/07/14
not get anything at all? bullshit. they get the underlying a...
Sickened abode hairy legs
  07/07/14
lol reptiles
duck-like pistol senate
  07/06/14
The real problem with earl is that he is a hypocritical fagg...
chrome preventive strike sandwich
  07/06/14
lol whats gay. Debt loads made me pick a different school so...
exhilarant amber house
  07/06/14
Don't get me wrong, I hate subsidizing this shit too. The w...
chrome preventive strike sandwich
  07/06/14
After 20-25 years of 10-15 percent of their income bro Mo...
brindle odious community account
  07/06/14
is this actually true? I'd be curious to see the numbers, e...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
yeah probably not the extreme cases and definitely not the i...
brindle odious community account
  07/06/14
yeah fair enough - I was thinking mostly of people in my boa...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
this. his hatred of IBR/PAYE is such bullshit considering h...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
And his graduation into a healthy market that could actually...
clear school factory reset button
  07/07/14
180 you have a lot of debt bro
brindle odious community account
  07/06/14
how much interest do u rack up per month? how long until you...
Boyish Painfully Honest Tattoo
  07/06/14
hey man why don't you bounce on my cock for a change?
Concupiscible trust fund gas station
  07/06/14
i thought that was steez's job
Boyish Painfully Honest Tattoo
  07/06/14
? never heard of DP?
Concupiscible trust fund gas station
  07/06/14
loans are just below 8%, so I'm racking up about 20K in inte...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
lol
pink shivering incel
  07/06/14
this is no laughing matter im UTTERLY SERIOUS HERE but lo...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
Worried about tax bomb? Its going to destroy your retirement...
Fuchsia chapel
  07/06/14
not exactly worried about the tax bomb, since it's been fixe...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
How the fuck do you sleep at night with a quarter-million in...
Khaki french locale background story
  07/07/14
? that's the name of the game. the day when most people ful...
fear-inspiring wagecucks
  07/07/14
all jokes aside, it can be stressful at times, which is why ...
Know-it-all Harsh Bawdyhouse Mother
  07/07/14
180!
Medicated massive useless brakes whorehouse
  07/13/14
...
Know-it-all Harsh Bawdyhouse Mother
  07/06/14
...
Razzle-dazzle demanding hall
  07/07/14
LOL how the fuck did you get $255K in debt breh, weren't you...
Maniacal hospital macaca
  07/07/14
why has earl avoided this thread
brindle odious community account
  07/07/14
sorry, I was living IRL this weekend and drinking and eating...
Low-t stimulating windowlicker meetinghouse
  07/07/14
dat public interest tip
brindle odious community account
  07/07/14
bro your lack of MAF has made me seriously depressed. Plz s...
Know-it-all Harsh Bawdyhouse Mother
  07/07/14
this is the new normal for like 80% of law students graduati...
fear-inspiring wagecucks
  07/07/14
scary shit
Know-it-all Harsh Bawdyhouse Mother
  07/11/14
180! Don't forget Sarc defends are heroes against baseless...
Arousing zombie-like station
  07/07/14
...
Saffron Mildly Autistic Set Pozpig
  07/07/14
...
marvelous location
  07/07/14
...
Vivacious State Boiling Water
  07/11/14
...
up-to-no-good rehab marketing idea
  07/11/14
protip: loan balance still increasing
Know-it-all Harsh Bawdyhouse Mother
  04/05/15
meaning what - capitalized interest? guess youre getting fu...
Fighting flatulent kitty cat
  04/05/15
bumped in anticipation of PSLF going away
Know-it-all Harsh Bawdyhouse Mother
  05/07/15
...
Know-it-all Harsh Bawdyhouse Mother
  10/14/15
bump for earl
Know-it-all Harsh Bawdyhouse Mother
  05/08/18
Just checked, $275,000 as of this morning
Know-it-all Harsh Bawdyhouse Mother
  09/28/18
lmaoo
high-end chest-beating church cuckold
  09/28/18
it MIGHT reach $300,000 by the time I get to forgiveness. I...
Know-it-all Harsh Bawdyhouse Mother
  09/28/18
(guy about to owe his entire salary to the IRS)
domesticated white gaping stead
  10/17/18
...
disturbing swashbuckling pit
  10/18/18
🤦‍♂️
puce goyim dysfunction
  10/18/18
5 years later, now at $280,000. Need to get to $300,000...
Know-it-all Harsh Bawdyhouse Mother
  04/14/19
growth has slowed. Only at $283,000 now. COVID basically s...
Know-it-all Harsh Bawdyhouse Mother
  11/09/20
Lmao. Bumping now that it's been forgiven. Absurd how much ...
Know-it-all Harsh Bawdyhouse Mother
  06/07/25
earl killed himself to death irl after this bump
mewling milk
  06/07/25


Poast new message in this thread



Reply Favorite

Date: July 6th, 2014 3:31 PM
Author: Know-it-all Harsh Bawdyhouse Mother

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: diverse dog poop institution



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



Reply Favorite

Date: July 6th, 2014 3:37 PM
Author: pink shivering incel

very

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



Reply Favorite

Date: July 6th, 2014 3:37 PM
Author: flesh round eye



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



Reply Favorite

Date: July 6th, 2014 3:39 PM
Author: Lime jew

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: Know-it-all Harsh Bawdyhouse Mother

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: duck-like pistol senate

180

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



Reply Favorite

Date: July 6th, 2014 4:23 PM
Author: Know-it-all Harsh Bawdyhouse Mother



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



Reply Favorite

Date: July 6th, 2014 5:35 PM
Author: brindle odious community account

Poast

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



Reply Favorite

Date: July 6th, 2014 5:37 PM
Author: chrome preventive strike sandwich

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 Wild Police Squad

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: Sickened abode hairy legs

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: Know-it-all Harsh Bawdyhouse Mother

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: Passionate emerald brunch philosopher-king

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: Know-it-all Harsh Bawdyhouse Mother

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: razzle bull headed hunting ground

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: Know-it-all Harsh Bawdyhouse Mother

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: razzle bull headed hunting ground

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: Know-it-all Harsh Bawdyhouse Mother

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: razzle bull headed hunting ground

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: Know-it-all Harsh Bawdyhouse Mother

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: greedy mustard newt

180!!

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



Reply Favorite

Date: July 6th, 2014 6:19 PM
Author: Know-it-all Harsh Bawdyhouse Mother

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: greedy mustard newt

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: Know-it-all Harsh Bawdyhouse Mother

tyft

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



Reply Favorite

Date: July 7th, 2014 2:47 PM
Author: Arousing zombie-like station



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



Reply Favorite

Date: April 5th, 2015 6:40 PM
Author: lemon range knife



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



Reply Favorite

Date: September 28th, 2018 6:06 PM
Author: high-end chest-beating church cuckold



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



Reply Favorite

Date: July 6th, 2014 6:14 PM
Author: mauve adulterous immigrant

wow

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



Reply Favorite

Date: July 6th, 2014 6:14 PM
Author: pink shivering incel

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: Sickened abode hairy legs

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: Navy 180 Resort

(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: Sickened abode hairy legs

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: Razzle-dazzle demanding hall

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: Canary Site

Jesus.

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



Reply Favorite

Date: July 7th, 2014 3:09 PM
Author: clear school factory reset button

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: razzmatazz plum electric furnace casino

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: racy maize pervert

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: Navy 180 Resort

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: racy maize pervert

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: seedy blood rage point

(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: Know-it-all Harsh Bawdyhouse Mother

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: dead voyeur

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: Know-it-all Harsh Bawdyhouse Mother

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: dead voyeur

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: greedy mustard newt

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: Know-it-all Harsh Bawdyhouse Mother

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: Passionate emerald brunch philosopher-king

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: dead voyeur

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: Know-it-all Harsh Bawdyhouse Mother

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: dead voyeur

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: Passionate emerald brunch philosopher-king

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: Know-it-all Harsh Bawdyhouse Mother

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: Passionate emerald brunch philosopher-king

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: snowy cumskin step-uncle's house

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: chrome preventive strike sandwich

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: greedy mustard newt



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



Reply Favorite

Date: July 7th, 2014 12:43 PM
Author: brass bearded clown



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



Reply Favorite

Date: September 28th, 2018 6:06 PM
Author: hideous irradiated international law enforcement agency psychic



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



Reply Favorite

Date: September 28th, 2018 6:09 PM
Author: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: exhilarant amber house

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: Know-it-all Harsh Bawdyhouse Mother

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: exhilarant amber house

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: Sickened abode hairy legs

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: Know-it-all Harsh Bawdyhouse Mother

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: Sickened abode hairy legs

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: brindle odious community account

rofl

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



Reply Favorite

Date: July 6th, 2014 6:41 PM
Author: brindle odious community account

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: exhilarant amber house

ya thats money out of my pocket.

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



Reply Favorite

Date: July 6th, 2014 6:42 PM
Author: Passionate emerald brunch philosopher-king

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)



Reply Favorite

Date: July 6th, 2014 7:09 PM
Author: exhilarant amber house

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: Sickened abode hairy legs

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: Exciting stag film

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: clear school factory reset button

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: Low-t stimulating windowlicker meetinghouse

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: clear school factory reset button

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: Low-t stimulating windowlicker meetinghouse

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: Saffron Mildly Autistic Set Pozpig

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: up-to-no-good rehab marketing idea



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



Reply Favorite

Date: July 7th, 2014 3:35 PM
Author: house-broken thirsty school cafeteria new version

"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: Low-t stimulating windowlicker meetinghouse

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: clear school factory reset button

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: Low-t stimulating windowlicker meetinghouse

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: clear school factory reset button

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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: Sickened abode hairy legs

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: Arousing zombie-like station

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: clear school factory reset button

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: Sickened abode hairy legs

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: clear school factory reset button

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: Sickened abode hairy legs

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: duck-like pistol senate

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: chrome preventive strike sandwich

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: exhilarant amber house

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: chrome preventive strike sandwich

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: brindle odious community account

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: Know-it-all Harsh Bawdyhouse Mother

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: brindle odious community account

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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: clear school factory reset button

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: brindle odious community account

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: Boyish Painfully Honest Tattoo

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: Concupiscible trust fund gas station

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: Boyish Painfully Honest Tattoo

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: Concupiscible trust fund gas station

? 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: Know-it-all Harsh Bawdyhouse Mother

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: pink shivering incel

lol

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



Reply Favorite

Date: July 6th, 2014 9:31 PM
Author: Know-it-all Harsh Bawdyhouse Mother

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: Fuchsia chapel

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: Know-it-all Harsh Bawdyhouse Mother

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: Khaki french locale background story

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: fear-inspiring wagecucks

?

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: Know-it-all Harsh Bawdyhouse Mother

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: Medicated massive useless brakes whorehouse

180!

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



Reply Favorite

Date: July 6th, 2014 10:00 PM
Author: Know-it-all Harsh Bawdyhouse Mother



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



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Date: July 7th, 2014 12:03 PM
Author: Razzle-dazzle demanding hall



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



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Date: July 7th, 2014 12:17 PM
Author: Maniacal hospital macaca

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)



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Date: July 7th, 2014 12:30 PM
Author: brindle odious community account

why has earl avoided this thread

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



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Date: July 7th, 2014 2:45 PM
Author: Low-t stimulating windowlicker meetinghouse

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)



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Date: July 7th, 2014 2:51 PM
Author: brindle odious community account

dat public interest tip

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



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Date: July 7th, 2014 4:57 PM
Author: Know-it-all Harsh Bawdyhouse Mother

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: fear-inspiring wagecucks

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: Know-it-all Harsh Bawdyhouse Mother

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: Arousing zombie-like station

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: Saffron Mildly Autistic Set Pozpig



(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: marvelous location



(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: Vivacious State Boiling Water



(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: up-to-no-good rehab marketing idea



(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: Know-it-all Harsh Bawdyhouse Mother

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: Fighting flatulent kitty cat

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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother



(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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: high-end chest-beating church cuckold

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: Know-it-all Harsh Bawdyhouse Mother

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: domesticated white gaping stead

(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: disturbing swashbuckling pit



(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: puce goyim dysfunction

🤦‍♂️

(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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: Know-it-all Harsh Bawdyhouse Mother

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: mewling milk

earl killed himself to death irl after this bump

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