Hey, y'all, this is a reminder for anyone that has student loans that they are defaulted on or in collections for:
If you don't know, applying for Fresh Start will move your loan status from "Default" to "Current," you will no longer have to deal with collections calls! You won't have your wages garnished or your tax refunds taken by the Education Department! The default gets removed from your credit and you become eligible for federal mortgage programs! You become eligible for Income Driven Repayment (IDR) programs that can reduce your monthly payment in a huge way (from $400/month to $50/month for me!) and you get IDR credit for the three years you were in default during the pandemic freeze!
It only has upsides!
I mean it, it can make a huge difference! You can even submit both Fresh Start and an IDR application at the same time. It takes literal seconds. I had my name legally changed and I'm still eligible! I clicked like 3 buttons, checked a couple boxes, and boom. I sent off the application August 22nd and I got the letter yesterday (Sept 20th), but that letter was dated Sept 1st and was only to inform me that my loan was no longer in default would be transferred to a new loan servicer by the end of the month. It took a week and a half to process.
I also became eligible and received a refund check for money taken from me during the starting stages of the pandemic.
The best time to do it is now. Period.
Do. It. Right. Now.
If you're tired put never back down never give up on loop in spotify or whatever music player you have
it has granted me miracles
drinking coffee at 6pm when you have to wake up at 5am is a bad idea
ALT
if i think about them too long i’ll go insane (text from @/veniennes on tiktok)
in hindsight i should've expected my ai character to take the lelouch route
looking up an ao3 writer and seeing that both their updates and bookmarks stop at a certain time makes me scared they've crossed the river styx
It hurt, but I don’t regret it.
Growing up is actually all about realizing people don’t inherently dislike you and it’s a bit odd to assume they do
🎉🎉HAPPY NEW YEAR 🎉🎉
If you can, please donate to the Internet archive, links in the description. The loss of the archive would be devastating for dozens of reasons.
The Book of Names lists each person murdered at Auschwitz
Kind of obsessed with the tumblr Twitter account
you weren’t a “well behaved” child you had anxiety and were terrified of conflict
Sorry I'm just. Reeling. 14 THOUSAND????
zlibrary gone... FUCK TIKTOK FUCK BOOKTOK I hope that app burns in hell
sorry if i’m being a party pooper but because rabies is apparently the new joke on here ??? please remember that rabies has an almost 100% fatality rate after symptoms develop so if you’re bitten or scratched by an animal that you aren’t 100% sure is vaccinated then GO TO A DOCTOR. it’s not a joke. really.
me to my cat: please have lazarus syndrome please have lazarus syndrome please have lazarus syndrome please have lazarus syndrome please—
i went to the dentist today and my dentist honest to god said “can i ask you a question…….what the hell is in your mouth”
Favorite genre of post
so can we start hunting down white liberals now or what