in town for free camps
Hey, all. This is clearly off-topic, but I think it can be very helpful to several MGoBloggers out there, myself included.
Has anyone had any experience with the Public Service Loan Forgiveness program?
Basically, it is this: If you work for a non-profit company or some other identified companies for 10 years and you make a payment on your student loans each month of those 10 years, your remaining federal student loan balance is forgiven (120 qualifying payments).
I'm going through the process of getting started with the program - BUT I should have done this 3 years ago! To all you recent and soon-to-be-recent grads: Make sure you've looked at this. It is surprising how many companies/services qualify. I didn't think my employer qualified so never looked into it. I was wrong and as a result, I might have lost 3 years (and $15-20k) of debt being forgiven.
There's a ton of weird rules. My basic question is: For anyone that's done this, how easy is it to track your qualifying payments? I'm worried about lowering my payments and not hacking away at my debt if I don't get my Ts crossed and Is dotted.
In my situation, I could have been on the Income-Based Repayment plan (which is under $300 per month for me). $300 * 120 = $36000 paid before the remaining balance is forgiven. However, for the first few years I was on other repayment plans and was making extra payments. I thought this was smart - pay down my debt as fast as possible. I've probably paid $20k towards my loans in 4 years, but none of those payments qualify for this program. However, if I knew of this program from the get-go, I would have only ever paid a total of $36k for what was $62k in loans.
For other discussion: Any college debt repayment strategies or resources anyone want to share? For you recent grads, make sure you take advantage of the time you have this summer to look into all your options!
The swoosh to replace Adidas as official apparel sponsor. Could Michigan be the next head-to-head win for Nike?
Seems like the roots are growing even deeper for the Harbaugh family. Congrats to James and all of the other HS grads out there (including two cousins of mine that don't read the site, one of whom just graduated from Community).
HUGE congrats to my little bro James Harbaugh for graduating HS!!! SO proud of him! He will be taking his talents to A2 this fall! #LetsGo— Jay Harbaugh (@JayHarbaugh) June 11, 2015
So, I'm a day late but we can still have a car thread today to bide the time until HARBAUGH goes and HARBAUGHS something else.
For this week:
What was your first car, and why was it the BEST first car and/or the WORST first car?
Edit - let us know when you got it. Having a 1991 BMW was a sweet first car in 1991. Less so in 2005.
Arya is on her first mission. I have a feeling that a "Golem Mountain" will make an appearance this episode or next. Cersei would you like more water to lap up off the floor? We all know episode nines are insane and sometimes TV history. What's your fav episode 9 between "Ned's Dead', "Blackwater", "Red Wedding", "Wildlings @ Wall" and tonights? I'm going with "Ned's Dead' just for the simple fact that showed me anybody can get it.
Do you know why all the world hates a Lannister?
Saturday Morning, watching my girlfriends yardsale for her...
Why the Harbaugh not?