Northapt

http://studentaid.ed.gov/students/attachments/siteresources/PSLF_QAs_final_02%2012%2010.pdf I found my answer. It appears you can combine employers as long as both are nonprofit. see Q 33

Since no loans have been forgiven yet, I would suppose there will be some last minute figuring out of things. I work full-time as a drug and alcohol counselor at a nonprofit so I should be OK for PSLF. Does anyone know if I were to drop to part-time and take on a part-time teaching position as an adjunct, if I’d still qualify? I think it would meet the intent of the law. (20 plus 20=40 hrs)

Since no loans have been forgiven yet, I would suppose there will be some last minute figuring out of things. I work full-time as a drug and alcohol counselor at a nonprofit so I should be OK for PSLF. Does anyone know if I were to drop to part-time and take on a part-time teaching position as an adjunct, if I’d still qualify? I think it would meet the intent of the law. (20 plus 20=40 hrs)

I think it's a great deal. I was told 0 down on a single family home or a duplex. I bought a 4 plex which required 5% down with no PMI. No one else would do this that I found. I got a better then average interest rate at the time (6.35) back in 2006. It's a 30 year fixed. You do have to go to a 1st time home buyers class but big deal.

I'm getting ready to close on a 4plex and the bank wants all my balances (walmart, Visa, JC Penny) to be transfred onto my HD Mastercard which has a $6000 limit so it appears I just have one active card well below limits. Walmart for example said I can buy a gift card and pay off balance with that. The problem is paying off my Visa will show as a cash adnvance on the Master card and I think I'll go over the cash advance limit. What can happen? big fees? Will they deny the payment if it's over? Thanks on advance,

I'm looking at 2-3 and 4 unit properties and want to go FHA/owner occupant for the 3% down. Yes, I know I'll have to pay PMI. They are running anywhere from 130-190K here in my city and I have the 10K-plus for down and closing. My question is: The lender is wanting me to show somewhere around 1 to 2 months PITI reserve payment in the bank at closing. Is this normal? I have good credit. This may tax my cash beyond what I can muster. That could be an extra 3000 or so. Any creative ways of showing this cash? How long does it have to stay in there? When do I have access to this money? After closing? I'm a first timer so thanks in advance for any advise.