Student Loans

Turtleneck wrote:Has anybody changed their mind yet?

duffy munn wrote:

TravelinMan wrote:

You've missed ALL of my points, you silly little boy. Bless your heart.

You don't have any points Bredo. Quite simply, you're a narcissistic, pompous, judgemental fucking douche bag. Have a blessed day.

TravelinMan wrote:

duffy munn wrote:

You don't have any points Bredo. Quite simply, you're a narcissistic, pompous, judgemental fucking douche bag. Have a blessed day.

That wasn’t very nice. Now I’m sad.

DWags wrote:

duffy munn wrote:

You don't have any points Bredo. Quite simply, you're a narcissistic, pompous, judgemental fucking douche bag. Have a blessed day.

Like I say, when you’re a dick, it’s really hard not being a dick. You guys know me, just be honest on this board. Short of that F U. If you have a philosophical approach to anything, sing it out here. But be honest. When I found out about multiple names on here I’m thinking, WTF? Why? You lose credibility in my opinion.

The best part of it is, I think some of you financial guys, might be progressive, but you could buy and sell him. And I think he hates that.

duffy munn wrote:

DWags wrote:

Like I say, when you’re a dick, it’s really hard not being a dick. You guys know me, just be honest on this board. Short of that F U. If you have a philosophical approach to anything, sing it out here. But be honest. When I found out about multiple names on here I’m thinking, WTF? Why? You lose credibility in my opinion.

The best part of it is, I think some of you financial guys, might be progressive, but you could buy and sell him. And I think he hates that.

I apologize to the board ( but not Bredo)) for my outburst. I know this kinda of shit doesn't go over well here but damn this guy...........

duffy munn wrote:

TravelinMan wrote:

That wasn’t very nice. Now I’m sad.

Point out where I'm wrong

TravelinMan wrote:

duffy munn wrote:

I apologize to the board ( but not Bredo)) for my outburst. I know this kinda of shit doesn't go over well here but damn this guy...........

Don't be a Nancy. Own it. Apologizing just makes you look even dumber. Say it again like you mean it.

TravelinMan wrote:

duffy munn wrote:

Point out where I'm wrong

Well, I have a point, but you're too thick to see it.

I'm not Bredo, I'm TravelinMan.

I'm not narcissistic, pompous, or judgemental (sic) but I am slightly sociopathic.  Still.... not on point.  Sorry.

I don't think I'm a fucking douche bag.  But then again, I haven't heard anyone call someone that since sixth grade, so maybe the definition has changed in the past 40 years?

Other than that, you were spot on.  Especially with the Have a blessed day part.  I definitely did.  Thanks.

Now, you wanna call a truce or are you gonna be like this from now on?  Makes no never mind to me.  I'd just like to be clear on it, that's all.

TravelinMan wrote:
I'm not Bredo, I'm TravelinMan.

DWags wrote:

TravelinMan wrote:
I'm not Bredo, I'm TravelinMan.

duffy munn wrote:

DWags wrote:

Like I say, when you’re a dick, it’s really hard not being a dick. You guys know me, just be honest on this board. Short of that F U. If you have a philosophical approach to anything, sing it out here. But be honest. When I found out about multiple names on here I’m thinking, WTF? Why? You lose credibility in my opinion.

The best part of it is, I think some of you financial guys, might be progressive, but you could buy and sell him. And I think he hates that.

I apologize to the board ( but not Bredo)) for my outburst. I know this kinda of shit doesn't go over well here but damn this guy...........

Robert J Sakimano wrote:

duffy munn wrote:

I apologize to the board ( but not Bredo)) for my outburst. I know this kinda of shit doesn't go over well here but damn this guy...........

No need to apologize.

When decent folks are attacked by someone who values yachts over people, decent folks take offense to that.

We don't need to apologize for being decent folks.

Happy Friday, Duff. Had a few drinks at Stobers, came home to relax, listen to music and peruse the intergoogle.

duffy munn wrote:

Robert J Sakimano wrote: No need to apologize.

When decent folks are attacked by someone who values yachts over people, decent folks take offense to that.

We don't need to apologize for being decent folks.

Happy Friday, Duff. Had a few drinks at Stobers, came home to relax, listen to music and peruse the intergoogle.

I went to high school with a lot of guys like Bredo. Run into some 10 years after high school and they don't ask " how are you?", they ask "what do you do for a living?" 15 years out it isn't "how are the wife and kids?" It's "hows the career going and how big is your house?" Or "do you have a lake house Up North yet?"

30 years out it isn't " how are your mom and Dad, are they still with us?" It's " how's the 401k and when are you going to retire?"

I loathe them, Bob. but do enjoy Up North

Trapper Gus wrote:

TravelinMan wrote:

Well, I have a point, but you're too thick to see it.

I'm not Bredo, I'm TravelinMan.

I'm not narcissistic, pompous, or judgemental (sic) but I am slightly sociopathic.  Still.... not on point.  Sorry.

I don't think I'm a fucking douche bag.  But then again, I haven't heard anyone call someone that since sixth grade, so maybe the definition has changed in the past 40 years?

Other than that, you were spot on.  Especially with the Have a blessed day part.  I definitely did.  Thanks.

Now, you wanna call a truce or are you gonna be like this from now on?  Makes no never mind to me.  I'd just like to be clear on it, that's all.

Honestly, your cherry picked points from the Libertarian tool kit are blasa.

Should people make their own way in life?  Yes, as best as they can given the society they live in.

Following that line of thought it makes perfect sense for a black kid in the inner city to join a gang to survive in their environment.

Trapper Gus wrote:Odd but I can't say I have known anyone like that.

Thinking about my encounters with C-suiters I guess they might have been that way but if so, it never came through in casual conversations.

TravelinMan wrote:

Trapper Gus wrote:Odd but I can't say I have known anyone like that.

Thinking about my encounters with C-suiters I guess they might have been that way but if so, it never came through in casual conversations.

No one I know acts that way, but hey, who am I to get in the way of a good story?  DWags, duffy, and Bob seem to be having fun with it in kind of an immature, gullible way.  Let them be.

kingstonlake wrote:

TravelinMan wrote:

No one I know acts that way, but hey, who am I to get in the way of a good story?  DWags, duffy, and Bob seem to be having fun with it in kind of an immature, gullible way.  Let them be.

Depends. Do you have more than just the TravlinMan and Bredo Morestoel accounts? I really can't think of anything more immature.....

TravelinMan wrote:

kingstonlake wrote:

Depends. Do you have more than just the TravlinMan and Bredo Morestoel accounts? I really can't think of anything more immature.....

Oh, I'm sorry, did I leave your name out of it? I guess I just forgot all about you.

kingstonlake wrote:

TravelinMan wrote:

Oh, I'm sorry, did I leave your name out of it? I guess I just forgot all about you.

You didn't answer the question.

Trapper Gus wrote:

kingstonlake wrote:

You didn't answer the question.

TM gets very touchy about that question, don't bother asking, he will just deny.

TravelinMan wrote:

Trapper Gus wrote:

TM gets very touchy about that question, don't bother asking, he will just deny.

Someone told me I was protesting too much and I should ignore them.

Trapper Gus wrote:

TravelinMan wrote:

Someone told me I was protesting too much and I should ignore them.

Good advice, replying is not ignoring, however.

TravelinMan wrote:

Trapper Gus wrote:

Good advice, replying is not ignoring, however.

Call it a hybrid approach?

I'm working on it. No one gets better all in one day.

Trapper Gus wrote:

kingstonlake wrote:

You didn't answer the question.

TM gets very touchy about that question, don't bother asking, he will just deny.

Trapper Gus wrote:Found this thread while looking for one to put the attitudes about higher education in ... enjoy

https://spartanswill.forumotion.com/t17235-wakes-god-bless-you-but-this-is-exactly-why-i-ve-discouraged-my-kids-from-going-into-education?highlight=higher+education

The Biden administration announced Friday that it will cancel $39 billion in federal student loans for more than 804,000 borrowers, following the US Supreme Court’s decision last month to strike down the White House’s previous student loan forgiveness plan.

Separately, Biden is also creating a new income-driven repayment plan — called SAVE (Saving on a Valuable Education) — that will allow some borrowers to cut their monthly payments in half and cancel the rest of their debt after making 10 years of payments.

More than 26,000 Michiganders will have their student loan debts forgiven, according to the U.S. Department of Education.

The department announced Friday that it had begun contacting the more than 800,000 borrowers who are eligible to have their student loans discharged who qualify under fixes to Income-Driven Repayment (IDR) plans implemented by President Joe Biden’s administration. The fixes include providing an accurate count of payments to borrowers who qualify for forgiveness after 20 years or more of payments.

Under the new regulations, borrowers won’t lose all of their PSLF credit by consolidating existing Direct loans. “If you consolidate your loans, the qualifying payments made on the Direct Loans (other loan types will not be considered) included in your consolidation loan will be credited to your consolidation loan using a weighted average of those payments,” says the Education Department’s updated guidance. This is not as generous as the treatment of consolidations under the Limited PSLF Waiver and IDR Account Adjustment, but represents a substantial improvement over the earlier PSLF rules.

More Deferment And Forbearance Periods Can Count Toward Student Loan Forgiveness Under PSLF

Historically, periods of deferment and forbearance don’t count toward the 10 years required to receive student loan forgiveness through PSLF, even if borrowers were working in qualifying employment. The Limited PSLF Waiver and IDR Account Adjustment relaxed some of these rules, allowing many (although not all) such periods to be credited.
The administrative forbearance feature is a particularly important change. Historically, these involuntary forbearances have been implemented for borrowers as they apply for, or renew, income-driven repayment plans. Some borrowers lose a month or two every year to these forbearances, which can have disastrous cumulative impacts.

Borrowers Can Buy Back Time Toward Student Loan Forgiveness

One of the more transformative new PSLF rules will allow borrowers to “buy back” certain past non-qualifying deferment and forbearance periods so that they can count toward loan forgiveness.

If you are a non-tenure or adjunct faculty member at an institution of higher education and are paid solely for the credit hours you teach, you meet the definition of full-time if you are employed the equivalent of 30 hours per week as determined by multiplying each credit or contact hour taught per week by at least 3.35,” says the new Education Department guidance.

kingstonlake wrote:Great article on how confusing and how much of a clusterfuck this is. I stopped reading after paragraph three. Bottom line. This is a loser for the Biden campaign.

Trapper Gus wrote:

kingstonlake wrote:Great article on how confusing and how much of a clusterfuck this is. I stopped reading after paragraph three. Bottom line. This is a loser for the Biden campaign.

It is way better than it was, so there is that.

I get that there are people for whom Biden doing what he is legally allowed to do will never be enough.

kingstonlake wrote:So any of you suckers who took out a loan in the last ten years that voted for Biden…. Sorry suckas…..

Trapper Gus wrote:

kingstonlake wrote:So any of you suckers who took out a loan in the last ten years that voted for Biden…. Sorry suckas…..

Are you really blaming Biden for the Supreme Court going off the rails and ruling that what the laws say in black & white isn't legal with a brand new made up principle of "if it helps Democratics or the common people it can't be allowed"?

Lack of awareness like that is part of how we ended up in this mess.