THIS IS A READ-ONLY ARCHIVE FROM THE SORABJI.COM MESSAGE BOARDS (1995-2016). |
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I owe $40,345.08 I feel sick. |
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*grin* at least it's a good time to consolidate. |
I'm clueless when it comes to things like consolidation. I have two subsidized Stafford loans and two unsubsidized Stafford loans. Would consolidation be of use to me? |
if your interest rate is currently variable, it may be a good idea to consolidate and get a fixed rate. hold on to those subsidized loans for as long as you can. free money. |
it looks like they have changed some things. i see that at least some of your rate is already fixed (since 2006), but if you can lower the rate by consolidating you should do it, even half a percent makes a difference. i guess you have to calculate a bit. you may also choose to extend the length of the loan to get more affordable payments and hold off some payment until the money will probably be worth a little less. |
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The unsubsidized loans are both at a 6.8% rate, and I think they're $10,000 each. So...okay, I'm writing this before class and I can't think straight, but, so, what I need to do is to figure out if the 6.8% rate for two $10,000 loans is different than 6.8% for one $20,000? Or...? I feel like an idiot. |
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But right now I have to go to class. |
Also, the government is incredibly chill about paying them back, as a general rule. You can negotiate a payment plan which works for you, you won't be penalized for paying them off early, and you get lots of grace periods for times when you just can't pay. Most lenders have a couple of payment plans to choose from, from set monthly payments to graduated payments which increase with time, under the assumption that your income will grow. So, bottom line, don't stress about them. They seem scary, but they're really not that big a deal. And school was worth it, right? |
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Hey, tomorrow I can do WHATEVER I WANT! Wheeeee! |
i just got laid off, so tomorrow I can do WHATEVER I WANT! Wheeeeee! I need to start studying for my anal sex instructor license exam. |
What field do you work in? |
it's nothing to be sorry about. it is a function of the already too big company i was working for getting acquired by a much larger company. i had no interest in working for the much larger company and planned on quitting soon. this is about the same thing, except instead of working for these big corporate assholes for the next three months while i'm looking for a job, they're paying me to not work for them. Yay severance packages! Because of this and earlier severance packages, I've now (well, in a week I will have) made over a year's salary for doing nothing. This new big company, by the way, has more employees than the city I live in has people, and is led by a crazy samurai wannabe with a gates-inferiority complex. which reminds me, i need to make a shirt that says FU LARRY for my exit interview. |
I did nothing. I read a little, made a grocery list, called a friend, washed the dishes, and noodled around online. Tonight I will meet my mom for dinner and perhaps go grocery shopping. Anxiety level: nil. I'm reading Lawrence Ferlinghetti's "Poetry as Insurgent Art." He closes with a short essay called "Modern Poetry is Prose," which he wrote in 1978. He's onto something. I am thumbing through a great anthology of contemporary poetry, and it would seem that "the voice that is great within us" sounds within us mostly in a prose voice, albeit in the typography of poetry. Which is not to say it is prosaic or has no depths, which is not to say it is dead or dying, or not lovely or not beautiful or not well written or not witty and brave. It is very much alive, very well written, lovely, lively prose -- prose that stands without the crutches of punctuation, prose whose syntax is so clear it can be written all over the page, in open forms and open fields, and still be very clear, very dear prose... |
I slept in until 9:30. I haven't done that in quite a long time. |