I was thinking that maybe they nominated 2 LLL songs to split the vote and pave the way for LMM bc I think if only 1 was nominated he’d probably lose.

I wouldn’t even know how to do that.

I’m hoping for the best outcome!

I know. I just thought I had my life together and it’s so fucked now. I’m not even sure if it’s worth living. I’m not suicidal or super depressed but I’m looking at the reality of the future being very much of a hardship for me even if I could get rid of the loans. I don’t have anyone relying on me so it’s not like…

It’s an offshoot of the poor shaming mentality. You borrow it, you pay it. I pay my bills, so should you...

Yeah and when they told me that they have the house they said “that’s what you get for abandoning your duty”. I’m the bad person for working even though I never lived off her like they did. I’m the bad person even though she had 4 kids and I’m the grandkid. They are the worst, 10 years of my life meant nothing to…

It’s too hard to go through bankruptcy and I don’t have cc debt. I’m going to do it once I get the next phase of my life set up. I’m currently in New York and have a good job but it will end eventually and then I’m going to move to a cheaper state- right now, I’m thinking Raleigh, NC and I later found out that they…

The only other solution is to kill myself based on the cost/benefit analysis. Is that less shameful?

I wish I could dodge them in Europe!

I know but....

I have private loans and once I start paying for housing I won’t even qualify for ibr bc I won’t have enough excess income. There’s no forgiveness for private loans. I’m currently on the rate reduction program which is kinda like IBR but I’ve been on it for 3 years and eventually they will say no more and .... It’s…

The regular payment is $900 a month. I can’t do it. I’m 44, it’s going to implode anyway so might as well just get it over with.

Oh, I see. I’m in the high 700s- low 800s. I’m ok with it dropping for a couple years. I just hope I can deal with ignoring the phone calls and letters. I’m nervous by nature. I also hope they don’t call my family members bc I have an uncommon name. Oh well, I guess it’s better than being old and homeless.

Yeah and there’s this weird shame/ morality thing people try to put on others. That’s why so many people didn’t walk away from their homes and they should have.

I will have the money available but I’m still going to keep up the payments until the job I currently have ends, I move to a cheaper COL state, secure housing and a job that I feel that I can stay with for 5+ years. I want to be sure that I won’t need my credit rating for anything bc it can take a year before they…

Don’t try to shame me, asshole. I have 85k in loans and before you start talking shit, the reason I’m fucked is bc I took care of my grandma for 10 years and couldn’t work to my earning potential. Then when I finally said that I can’t afford to be underemployed and went to work m my mom and brother pulled a fast one…

You can’t do that in the US (unless it’s a very specific issue like permanent disability). However, I learned that private loans are unsecured debt and if you’re willing to ruin your credit by not paying for 6-12 months until it gets to default you can usually settle for less than 1/2.

Has anyone ever strategically defaulted on their private student loans? I’m thinking about doing it in a few years after I get my new life going and I won’t need credit for awhile. I’ve been reading about people who have done it and eventually settle for 30-50%. I have good credit and I hate to lose it but since I got…

Emily!

Ivana hardly took him to the cleaners.