What are your repayment plans for student loans?

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PSLF, income based repayment plan. I’ve got less than 2 years until forgiveness.

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Pray

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Think I'm going to switch to private before the fed raises rates again. Also before the pause is lifted, so I'm hesitant.

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Refinanced (mistake in hindsight…) to lower monthly payments during a time when I had high out of pocket healthcare costs and couldn’t keep afloat. In theory will be paid off in 15 years….

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I also refinanced. Such a huge mistake lmao

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I refinanced in 2019 (ugh), but since then I’ve paid off half. I just have 3 more years to go, and it’ll be all gone. I’ve become slightly more aggressive (paying a bit more than minimum) because I just want it gone. I don’t even care about forgiveness. The monthly payment is almost identical to my mortgage payment. When it’s gone, it’s going to feel amazing.

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I’ve paid off almost $250k from bonuses. Got another $97k that’s on deferment. I think I’m just going to pay it off in January.

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How did you end up with $350k in loans?

I’m gambling.

Currently doing an income based repayment plan ($180 principle) and investing aggressively in the market. Got very lucky over COVID and have saved over $100k, while adding to qualifying payments and not adding interest.

My payment is about to go up significantly when I requalify whenever payments start back up, but only have 17 years left of payments. 🙃

Goal is to pay the minimum and hope forgiveness still happens, or happens sooner and maybe walk away with a big chunk of savings and enough for the tax bill. Or have enough to pay it all off if republicans screw me before the 25 years are up.

So glad I didn’t refinance pre COVID.

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Why do so many of you regret your refinance?

You aren’t eligible for any forgiveness. Not that I would’ve qualified anyway.

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More Posts

So I recently accepted a position to become director at another healthcare organization in my area. I’ve been at my current job 4 years. Any suggestions on the resignation letter? I don’t want to share too much but I report to the head of my hospital and have mixed feelings on what to share.

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Anyone have good alternatives to the integer card game for 7th grade? With Covid I don't think I can use the cards

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I’ve seen quite a few people online talk about how digital marketing is dying or on its way out because of AI and other automation tactics. Is any of that true, or are people just overreacting?

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Exl or citi bank? Which one should I go? Considering package offering is same I have offers from both these organisation

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After a year at my agency (1st job out of school) I got an 8% raise without asking, but not a promotion in title. Very grateful of course but seems a bit odd and wondering if it could be indicative of anything.

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Hi, I want to get a sense of whether or not I’m underpaid. 1 yr consulting, 1 yr Industry, IT PMO (Fed) at $71k. DC

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Hi!

I am a 2020 graduate from SIBM Pune and working as an assistant relationship manager in ICICI bank. I am responsible credit appraisal, credit assessment, compliance and servicing of large corporate clients. I have an experience of 5 months. Consulting is where I see myself, especially in the technology strategy space. Please reach out to me if there are any relevant opportunities you can help me with. Thanks in advance!

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For those who became platinum premier elite + ambassador with the merge, have you received your ambassador already? How long does it take?

What are your work days in B7. As per offer letter it's Monday to Sunday. Is it all the weeks

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What would you consider to be pinnacle examples of a perfectly executed and put together strategy?

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Based on merit? I don’t think so

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funny

Has anyone utilized Worthy Bonds. Apparently the bonds are secured by the small businesses inventory they loan to. Right now my HYSA is about 1% and they are offering 5%.

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Are there any late night cafes? I’m not a drinker and into the bar scene but I love a good tea and chat.

Late night as in maybe close around 12-2am, preferably not too loud either where you can’t talk

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What books would you recommend for someone wanting to get better at sales?

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I'm making a switch for the first time in my career. My new pay package will be 23 lpa. I heard froya senior that after all investments I'll still need to pay TDS around 4 lakhs.
Right now I'm planning to show
80cc
80ccd1(b)
Home loan/rent (either one or both)
80D
80tta
LTA (not sure if possible, will check)

Is there anything else I can use for tax exemption? I'm not going to go for EV emi or political party donation.

Please suggest what you do and I don't.
Thanks in advance.

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Tata Consultancy pls help my manger is saying they are trying for retention but got this mail from Hr ..did manage really trying? due to some personal issue now don’t want to leave Tcs..
YOE- 9.5

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I’m making 55k in Chicago. Am I underpaid?

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Has anyone here ever been on the receiving end of a PIP? Ie 30 day performance review? What was your experience during that window and leading up to (hopefully) quitting to take another job or getting fired? Do people just ride it out and accept their fate and interview their tails off? Would love to hear how they were treated, what mental toll it had, and how to accept you were getting fired before you got fired? And telling coworkers?

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Additional Posts in Law

I wish there was a doctor’s bowl. I wanna see what those nerds are talking about.

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Big Law associates: Do you see a trend of intense “great resignation” recently? 5 people I know (a 3rd year at WilmerHale, a 7th year at Latham, a 5th year at Latham (same office, same practice), another 7th year at Latham (different office, different practice), a 6th year at MoFo) all quit in Feb. or early March. None of them lateraled (yet) and at least one of them does not plan to practice law anymore. I thought it was about Latham or this practice group before learning about the other two.

likesmart

PEDS- any Adderall/Concerta etc. users? Do you do it to maintain a competitive edge or do you just like it?

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Just ruined my very expensive ergonomic wireless keyboard by dropping a gallon of coffee on it. How’s your day going

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What are your thoughts on using legal continuing education credits for a different license? Essentially, taking credit for them in two professions (e.g. law and realty).

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Currently in ID. A recruiter reached out with a plaintiffs side property/personal injury offer. The pay is $100-200k depending on experience. Since I can’t get anymore details out of the recruiter, and don’t have any knowledge of that side of the aisle l, is there a catch here? I always figured plaintiffs side had a lower base pay but got the real money from settlements.

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Anyone know what bonuses are like at Faegre Drinker? Understand they do not pay market compensation, but curious how bonuses compare to NY market rate?

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Anyone else deal with nervous diarrhea related to hearings, depositions, etc.? I've historically been fine with public speaking so the nerves stem more from the fear of fucking up for my client/firm, which thankfully has never happened. But I'm just dreading the day where I just full on lose my shit literally while in court or taking a depo. If you've dealt with the same thing, what helps?

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Crazy to think of switching from Lev Fin to M&A? Still on the more junior side so willing to retool. Tell me I’m crazy for flirting with the other department…

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I have to prepare a litigation budget in an employment/breach of contract case. I have no idea on where to begin and I’m anticipating that the opposing party is going to make discovery like pulling teeth. Any tips on where to begin?

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If you’re going to leave BigLaw, when is the best time to leave? I’m around 2.5 years now but thinking of sticking out to 3 before leaving. Will that make a difference or better off just looking for exits now and not worrying?

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Any thoughts on Phillips Lytle? If you could please provide insight on culture/billable requirements? Thank you.

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Is it beneficial to include relevant CLEs you’ve taken on your resume when applying to a job?

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If you’re an AUSA in a busy criminal district full of big law refugees (SDNY, NDIL, CDCA, etc.), how many hours a week do you work if you’re trying to get promoted? Is it big law hours? Is there at least some relief from big law type issues like fire drills? I can’t imagine there being the same type of white collar fire drills if you’re the one creating them for big lawyers. Any truth in that assumption?

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How much did you bill in April?

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anyone know of a way to break into trademark work in the ATL market?? i was starting to do trademark work at my old firm and was really starting to like it and would like to get back into it.

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I am a post bar graduate and currently seeking employment. I did not graduate from a top tier school, but I did graduate in the top third of my class as a dual-degree graduate. About a week ago, a partner at a big law firm connected with me on LinkedIn. He asked if I had a job lined up. I told him no and he responded that I should let him know if there is anything his firm or he can do to help me. We have a meeting with each other in two weeks. Is this a big law opportunity?

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How do you go about using PTO outside of an actual vacation? Because of the tight knit nature of the teams I’m on it feels like I can’t use an actual off day when I need it. (Corporate/M&A for reference)

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How do bankruptcy attorneys get paid? Like, aside from flat fee rates, how is it possible that some bankruptcy attorneys make such good money when their clients are obviously struggling?

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Does anyone else get tongue tied under pressure? I feel like I keep mixing up my words and trailing off... this doesn’t happen for oral argument, where I’ve throughly prepared and I know the information well- but when a partner asks me a question on something new, I tend to flop and my mind starts bullshitting on its own. Any tips on how to combat this?

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