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  1. If you can find a full time job in public service, your loan can be forgiven (tax free) after 10 years of qualifying payments. That is, if your loans qualify. There are many specific requirements for this to work. https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service
  2. Yes, most definitely I will be keeping track of it all like Kim Kardashian monitors her rear end size.
  3. Thanks for the welcome! You got it....I will not post them I figured that it would not be possible since advertisement and solicitation are against the TOS. On another note, it feels very good to be done with the whole process
  4. I've been absent from CB for awhile because I've been finishing my Ph.D. I am finally Dr. Lethalmermaid It feels very good. I've been lurking on this site and others to do research about student loans, repayment, etc. My loans are really high, but thankfully Federal. I consolidated and am enrolled in IBR. I also will qualify for PSLF. Despite IBR and PSLF, I've been researching for unique ways to pay down student debt, even if in miniscule proprotion to the principle balance. I've found two interesting sites that so far have potential. They are both companies that are free to use. They are not bogus consultation or counceling companies. I don't want to add any links without mod approval. Could I contact one of the mods via PM with the links to these two sites? I figure that it can't hurt to see if they'll get approval. I plan on writing more about my repayment journey, as well as things that I've found out on the way through my Ph.D. It's good to be back and out of lurker mode
  5. Those who have seen/read King's "It" deserve to fear clowns. Pennywise
  6. How much are your monthly payments for the private loan? How much will you receive each semester in govt. loans after tuition and fees have been paid? If possible, I suggest making payments on your private loans with your federal loan money. This may involve reducing your living expenses (finding a roommate, etc.). It's less than ideal since you are just shifting debt around, but the repayment terms will be much more favorable on federal loans in the end. I know that you will have little spare time (if any) during which you could work for extra income. However, online or in-person tutoring at your level could bring you some decent money for a couple hours a week. Definiately keep up with the private loan payments. Good luck.
  7. This is a good idea. Also perhaps consider the history of business administration as represented through literature of a certain genre (Victorian, etc.)
  8. I have an idea, although not a great idea, depending on a few factors. How much do you owe in private loans? Are you eligible for federal student loans? Are you working on a graduate or undergraduate degree? Grad school allows students to borrow over 100k in loans depending on the duration of the degree (a PhD for example). If you go to grad school, you could potentially pay off your private loans with federal money. You would then have potentially more marketable qualifications and be able to pay off the federal loans on an IBR or ICR plan. I understand that taking on more debt may seem risky, but I believe it may be a better option than defaulting and being sued, wages garnished. I'd first recommend trying to pay the loans before embarking on such a venture. In your situation, though, it seems as if something has to give. My story is a bit unlike yours, but I did find myself in a bad situation during my PhD. I got a full tuition scholarship for my undergrad and took out under 10k in loans for room and board. My M.A. was fully covered and I was given a stipend, so no loans for that degree. My PhD tuition is also covered, and I was told I'd get a larger stipend for living expenses. I did for 2 years, but then the economy removed that type of funding. After much consideration, I took out federal loans with the plan of entering into IBR or ICR when I graduate, depending on my income. I tried to work during my PhD, but beyond my teaching money, it was hard to both work at my degree and generate income. Is grad school an option? For a M.A., you would get a certain amount of money per year to go to tuition and/or living expenses. I suggest finding the most inexpensive college possible for this and then using the living expense money for frugal living and paying off your private loans. Whatever happens, good luck.
  9. To the first image: "Narcissa sans vibrator."
  10. It depends on how you personally learn languages best. When I need to learn a new language, I get a good dictionary, grammar book, and then watch television shows or movies in that language to learn the conversational elements. There are tons of free websites for learning Spanish grammar. You can also watch telenovelas (keep the dictionary handy and look up words you don't understand) and movies in spoken English with the subtitles set to Spanish. Google translate is good for words and phrases, but sometimes butchers sentences. I'd personally recommend learning syntax and conjugation stuff/tenses as well as basic vocab as a start. Vocab and conversational skills build as you learn the language. You could also perhaps chat with a Spanish speaker that wants to learn English online. Good luck! Oh, I forgot to mention this: for grammar books, search for volumes that students use for reading knowledge exams. Often, these books are designed to teach the structure of the language in one semester.
  11. Congrats on the trip and your daughter's health
  12. You are all so cruel. She worked hard when she busted out that flatiron and Aquanet before calling 911. Give cred.
  13. OMG....I can't imagine what you're going through. They should have informed you that he was on the phone. What a mess. Good for you in securing a training course. I also hope you never have to use it. Try pawn shops and gun shows for deals. Sometimes they are marked up at both places, but many people in this economy are selling extra weapons for good prices. I got mine from a pawn shop for under $250. It was used but in great condition and sells for 350-400 used. Good luck to you. If you get one from a pawn shop make sure it's not stolen. That's very good advice! In my state, before they receive a gun as a pawn, they ask for ID and verify that the gun is not stolen property. They also do a thorough check before selling one. You can ask them about their verification procedures. Gun boards/forums local to your area may also have good advice about where to go, who to avoid, what to get, etc.

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