#Repayment

[wordsbyhisheart]

[steamworkscogstone]

Hello, so, I know I don't post that often and this might not be the post some of y'all want to see from my return but, my partner is in a desperate situation.

My partner is currently in a hotel for the day, abandoned in Michigan by the people she thought she could trust, so now we are trying to gather money for a bus ticket and transportation to the nearest bus station. Any amount helps, and it would be very much appreciated. If it helps, I would be able to pay anybody back by the end of this month.

Cash app: $CogGolem

Paypal: @ElvenLace

[rysgil]

I finished paying off all my credit card debt today!! 🥳🥳🥳

[yourlovelyspace]

And even with that, it won't be enough 💝

[mitsuki91]

I updated my Severus/Lily Luna set in the marauders's era 💖

Enjoy 🥰

Until the end of the world

Summary:

"I am the man of love, Lily," he told her, "And if there is a way for that love to travel with you, I will find it, and I will follow you wherever you go. To the beginning of the world, if need be, since you have already found me at the end."

Lily sobbed even harder, and her legs gave out, causing her to slide onto him. Severus finally let go of her face, and gently accompanied her as she collapsed, continuing to smile tenderly at her, while all around them magic went mad and drew cracks in the fabric of reality.

The man had stopped fighting, and turned towards the light, finally at peace with himself.

"Go," he told her, as she continued to fall, "Go, save the world, and come back for me. Be patient with me, but do not give up. I love you, Lily! Don't give up."

Link:

[tasia-reader]

ffs, i just tried to order groceries and my wifi disconnected, the payment went through but the order didn't 😔I'm tired, I'm stressed, I can't go anywhere because I can't see a foot infront of me, there's black ice everywhere, oh and of course

so yeah I have literally no groceries, $0, disability cheques aren't until wednesday, oh and the foodbanks BEEN saying we are literally at capacity talk to your mp not me so if anyone wants to arrange a repayment of $40 on wednesday jan 17 please send me a message i can 100% do that if anyone wants to just throw me a buck that's cool too

[internutter]

Challenge #04040-K022: With Great Gratitude

A village got together to make a gift package for Wraithvine and friends. New ever-lasting boots that would be warmer in winter and cooler in summer, new clothing again, warm in winter, cool in summer, and bags of holding enchanted to not only hold.. ... well a lot, but also so foodstuffs could never spoil while within, and drinks could never spill while within. -- The New Guy

The thing about immortality is, even when something is made to last for centuries, those things fall apart. Even granite wears away. Cloth, even charmed cloth made to self-repair and also wear well, will thin and fall apart.

Nothing lasts forever. Even the sun will burn itself up, the stars will fade, and the universe will come to a standstill.

None of that was Wraithvine's concern when, at the end of the battle to save Greenhaven, half his robes had burned to ash and the other half were only held together with hope. Then again, ze'd hardly fared any better. It had been that rough of a fight.

[Check the source for the rest of the story]

[mitsuki91]

Lily Luna about Severus Snape :v

[mitsuki91]

Soooo... Last week I wrote a story for this little flash-comp for the Rare Pair server I am in... Works were anon and I am not at home so I waited to post here ^^" anyway, if you want a little Severus/Lily Luna... 😏 Here it is.

Demons and tales

Summary:

Wrong. Forbidden.

But the thought so damn sweet.

Link:

[dailyfinancial]

Gold Loan Repayment: Flexible or Fixed? What’s Better?

Gold loan repayment: Flexible EMI or fixed tenure? Discover which option suits your finances better, compare interest savings, and avoid hidden charges. Make the right choice for stress-free gold loan repayment! Gold holds a special place—not just as a cultural and emotional asset but also as a financial lifeline. With rising gold prices and increasing financial needs, gold loans have become a…

[soolegal]

𝐑𝐞𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐨𝐟 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐥𝐨𝐚𝐧.

For further information, refer to this Article by Mr. Kartik Bhardwaj

[adulting10h1]

Mastering Student Loans: A Guide to Managing, Repaying, and Refinancing Your Debt

Student loans can be a significant financial burden, but with the right strategies, you can effectively manage, repay, and even refinance your debt to improve your financial health. Whether you’re just starting to pay off your student loans or looking for ways to make your payments more manageable, this guide will walk you through the key steps to managing student loans and offer tips to help you stay on top of your repayment plan.

1. Understanding Your Student Loans

Before you can effectively manage your student loans, it’s essential to understand what type of loans you have and the terms associated with them. Here are the key things to know:

Federal vs. Private Loans: There are two main types of student loans: federal and private. Federal loans are funded by the government and typically offer more borrower protections, such as income-driven repayment plans and loan forgiveness options. Private loans are provided by banks, credit unions, or other lenders and may have variable interest rates and fewer repayment options.

Loan Terms and Interest Rates: Each loan comes with specific terms, including the interest rate, repayment period, and monthly payment amount. Federal loans often have fixed interest rates, while private loans may have fixed or variable rates. Understanding these terms is crucial for creating a repayment plan that works for you.

Grace Periods: Most federal student loans have a grace period, typically six months after you graduate or leave school, during which you don’t have to make payments. Private loans may or may not offer a grace period. It’s important to know when your payments will begin so you can prepare.

To help you stay organized and keep track of your loans, consider using a Student Loan Tracker.

Student Loan Tracker: Available on Amazon, this tracker helps you organize your loans, track your payments, and monitor your progress toward repayment. Check it out here.

2. Creating a Repayment Plan

Once you’ve identified the type of loans you have and their terms, the next step is to create a repayment plan that fits your budget and financial goals. Here’s how to get started:

Choose the Right Repayment Plan: Federal student loans offer several repayment plans, including standard, graduated, and income-driven options. Standard repayment plans have fixed payments over 10 years, while graduated plans start with lower payments that increase over time. Income-driven plans base your monthly payments on your income and family size, which can make payments more affordable.

Prioritize High-Interest Loans: If you have multiple loans, prioritize paying off the ones with the highest interest rates first. This will reduce the total interest you pay over time and help you pay off your loans faster. Continue making the minimum payments on all your loans while putting extra money toward the highest-interest loan.

Consider Auto-Pay: Many lenders offer a discount on your interest rate if you sign up for automatic payments. Auto-pay ensures that you never miss a payment and can save you money over the life of the loan.

Explore Deferment or Forbearance: If you’re experiencing financial hardship, you may qualify for deferment or forbearance, which temporarily pauses your loan payments. However, interest may continue to accrue, so these options should be used as a last resort.

To help you create a repayment plan and stay on top of your payments, consider using a Student Loan Repayment Calculator.

Student Loan Repayment Calculator: Available online, this tool helps you estimate your monthly payments, compare repayment plans, and see how extra payments can reduce your loan balance. Check it out here.

3. Making Extra Payments to Pay Off Your Loans Faster

One of the most effective ways to pay off your student loans faster is by making extra payments whenever possible. Here’s how to do it:

Pay More Than the Minimum: If you can afford to, pay more than the minimum amount due each month. Even small extra payments can make a significant difference over time by reducing the principal balance and the amount of interest you’ll pay.

Make Biweekly Payments: Instead of making one monthly payment, consider splitting your payment in half and paying biweekly. This results in an extra payment each year, which can help you pay off your loans faster without significantly impacting your budget.

Apply Windfalls to Your Loans: If you receive a windfall, such as a tax refund, bonus, or inheritance, consider using a portion of it to make an extra payment on your student loans. Lump-sum payments can have a big impact on reducing your loan balance.

To help you track your extra payments and stay motivated, consider using a Debt Snowball Tracker.

Debt Snowball Tracker: Available on Amazon, this tracker helps you visualize your progress and stay motivated as you pay off your loans. Check it out here.

4. Refinancing Your Student Loans

Refinancing your student loans can be a great way to lower your interest rate and reduce your monthly payments, especially if you have private loans with high-interest rates. Here’s what you need to know about refinancing:

Eligibility: To qualify for refinancing, you typically need a good credit score, steady income, and a low debt-to-income ratio. If you don’t meet these criteria, you may need a co-signer to qualify for a lower interest rate.

Pros and Cons of Refinancing: The main advantage of refinancing is the potential to lower your interest rate, which can save you money over the life of the loan. However, if you refinance federal loans into a private loan, you’ll lose access to federal protections, such as income-driven repayment plans and loan forgiveness options.

Shop Around for the Best Rates: Different lenders offer different interest rates and terms, so it’s important to shop around and compare offers before refinancing. Look for lenders that offer low fixed rates, no origination fees, and flexible repayment terms.

To compare refinancing offers and find the best option, consider using a Student Loan Refinancing Comparison Tool.

Student Loan Refinancing Comparison Tool: Available online, this tool helps you compare rates and terms from different lenders to find the best refinancing option for your situation. Check it out here.

5. Exploring Loan Forgiveness and Repayment Assistance Programs

If you work in certain professions or meet specific criteria, you may be eligible for loan forgiveness or repayment assistance programs that can help reduce or eliminate your student loan debt. Here are some common programs to explore:

Public Service Loan Forgiveness (PSLF): This federal program forgives the remaining balance on your federal student loans after you’ve made 120 qualifying monthly payments while working full-time for a qualifying employer, such as a government agency or nonprofit organization.

Teacher Loan Forgiveness: If you’re a teacher working in a low-income school or educational service agency, you may be eligible for up to $17,500 in loan forgiveness on your federal student loans after five years of service.

Income-Driven Repayment Forgiveness: If you’re enrolled in an income-driven repayment plan, any remaining balance on your federal student loans will be forgiven after 20 or 25 years of qualifying payments, depending on the plan.

State-Based Repayment Assistance Programs: Some states offer repayment assistance programs for borrowers who work in specific fields, such as healthcare, law, or education. These programs vary by state, so check with your state’s higher education agency to see what’s available.

To see if you qualify for loan forgiveness or repayment assistance, consider using a Loan Forgiveness Eligibility Tool.

Loan Forgiveness Eligibility Tool: Available online, this tool helps you determine whether you qualify for federal loan forgiveness programs and provides guidance on how to apply. Check it out here.

Conclusion

Managing student loans can be challenging, but with the right strategies, you can stay on top of your payments, pay off your debt faster, and explore options for refinancing or loan forgiveness. By understanding your loans, creating a repayment plan, and making extra payments when possible, you’ll be well on your way to reducing your student loan debt and improving your financial future.

Remember, paying off student loans is a marathon, not a sprint. Stay patient, stay consistent, and celebrate your progress along the way.

Helpful Items and Services Recap:

Student Loan Tracker

Student Loan Repayment Calculator

Debt Snowball Tracker

Student Loan Refinancing Comparison Tool

Loan Forgiveness Eligibility Tool

With the right tools and resources, you can take control of your student loans and work toward a debt-free future. You’ve got this!

[tenth-sentence]

During the year AGC repaid $500 million to Westpac, being the redemption of the preference share capital injected during 1991 and 1992.

"Westpac: The Bank That Broke the Bank" - Edna Carew

[mitsuki91]

Well, I update this story 💖 Snapedom to me here 😏 I'm still deep obsessed with ouran 😏🥰

Tomorrow

Summary:

Lily was about to retort, when a sparkle above her head distracted her. The sparkle became a crackle, a flash, and then a dark shape.

"What the fuck...?" began Hugo, rising sharply with his upper body. Lily was about to imitate him when the sky exploded with a roar, and as she too screamed, something fell on her, crushing her back to the ground and knocking the breath from her lungs.

In a tangle of expletives, clothes and limbs, the stranger flinched enough to look at her, inches from her face.

Black eyes, wide and frightened. Raven hair tickling one cheek and short, quick breath.

Salazar. He looked familiar to her.

Link:

[noctomania]

STAY ON TOP OF YOUR STUDENT LOAN MESSAGES.

I also personally highly suggest NOT doing autopay for your student loan repayment. Cuz even if they fuck up they not givin you shit back.

So the US gov has been transitioning fed student loans onto their Dept of Ed website from another 3rd party, Mohela. Supposedly I have been transferred over "successfully" but they messaged me that they have just, for literally no given reason, changed my repayment plan to one that is about 8x as much as my usual monthly payment. Just out of the blue.

So short recap of the past 10 years:

Was on fed loan,

then they sold to mohela,

Now mohela still owns the loans but the process has been transferred to the US dept of Ed website for who the fuck knows

It's not supposed to change anything but it has prevented me from being able to apply for forgiveness I'm past due for and now suddenly fucked up my repayment plan (additionally the message claims I have OVER 120 payments STILL to make which is a laugh bc wtf you think i been paying for the past 10 years?)

AND I am bettin right now that when they "fix" it suddenly they will put me on administrative deferment EVEN THOUGH they have not put me on deferment currently after they changed it on a whim. Essentially making me more immediately responsible for the higher payment but putting off me being switched to a cheaper plan.

I'm suuuuure this is just a much more convenient way of dealing with the transfer. I'm suuuuure there is not malintent behind this. I'm suuuure they wouldn't be possibly trying to "accidentally" switch accounts to the wrong payment plan in hopes that some people won't get the message and won't notice until their payment is due at which point they wouldn't have the ability to fight it anymore and would just have to pay it.

Oh bonus by the way: Never before has it been so encouraged to sign up for auto-payment. They offer a 0.25% interest rate reduction for people who sign up for auto-pay. Which means if they miss the message that their payment has been changed against their request then they may not realize it until it's already been taken from them. Don't sign up for autopay unless you absolutely must in which case stay on top of their bullshit so they don't rob you.

They are intentionally bumbling this to fucking rob people. Legally. They are doing whatever they can to get as many pennies out of us before they forgive the debt.