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I found a 180 loophole to income-based repayment schemes
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| ungodly trip milk | 03/14/19 |
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| ungodly trip milk | 03/14/19 |
| pungent ladyboy | 06/24/19 |
| Elite Aqua Lay | 06/25/19 |
| judgmental idiot haunted graveyard | 06/25/19 |
| Aphrodisiac white dysfunction | 01/06/21 |
| Sienna alpha | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 04/22/19 |
| Pearly balding stage | 06/24/19 |
| Mind-boggling boistinker | 06/24/19 |
| Aphrodisiac white dysfunction | 01/06/21 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Aphrodisiac white dysfunction | 01/06/21 |
| Sapphire Selfie National Security Agency | 06/24/19 |
| beady-eyed piazza genital piercing | 06/24/19 |
| Pearly balding stage | 06/24/19 |
| Mind-boggling boistinker | 06/24/19 |
| Sapphire Selfie National Security Agency | 06/24/19 |
| Mind-boggling boistinker | 06/24/19 |
| Pearly balding stage | 06/24/19 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| dashing autistic public bath yarmulke | 07/28/19 |
| judgmental idiot haunted graveyard | 06/25/19 |
| chestnut site degenerate | 06/24/19 |
| Sapphire Selfie National Security Agency | 06/24/19 |
| chestnut site degenerate | 06/24/19 |
| Confused keepsake machete forum | 06/24/19 |
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| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Laughsome Knife | 06/24/19 |
| green parlor | 06/24/19 |
| Seedy Violent Garrison Persian | 06/24/19 |
| Pearly balding stage | 06/25/19 |
| Elite Aqua Lay | 06/25/19 |
| Brilliant Chest-beating Corner | 06/25/19 |
| Sienna alpha | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 07/28/19 |
| Cowardly Spectacular Potus | 07/28/19 |
| Bill Paxton and Paul Reiser in ALIENS | 08/24/22 |
| coral fighting house lettuce | 08/24/22 |
| Irate motley stag film tank | 08/24/22 |
| Bill Paxton and Paul Reiser in ALIENS | 03/09/23 |
Poast new message in this thread
Date: March 14th, 2019 8:49 PM Author: Bill Paxton and Paul Reiser in ALIENS tl;dr Income is calculated post-401k contribution, so max your 401k in the month you use to certify income
The income-based programs allow you to use a paystub to certify income and use taxable income to estimate your income.
What I did was max out my 401k one month: I make $14.5k/month (paid monthly), and Vanguard maxes out at 75%, so put up about 10k into my 401k, leaving my monthly income as ~$4.5k. I submitted this paystub to the loan servicer and now have a ~$200/mo payment.
This is 180 because even if I go the entire 25 years, it doesn't come close to my total loan value. Also, time value of money and I also expect further loan relief. Worst case scenario I get rich and have to pay back my loan. |
Date: March 14th, 2019 8:50 PM Author: ungodly trip milk LJL at proles who have to repay loans. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932659) |
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Date: March 14th, 2019 8:51 PM Author: Bill Paxton and Paul Reiser in ALIENS Actually it's incredibly prestigious to let the government pay hundreds of thousands on your behalf and then stiff the government on the repayment. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932664) |
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Date: March 14th, 2019 8:52 PM Author: ungodly trip milk (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: pungent ladyboy (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: Elite Aqua Lay (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: judgmental idiot haunted graveyard (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: Aphrodisiac white dysfunction (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: Sienna alpha (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031448) |
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Date: April 22nd, 2019 7:50 PM Author: Bill Paxton and Paul Reiser in ALIENS Elizabeth Warren bump (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38126710) |
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Date: June 24th, 2019 9:52 PM Author: Pearly balding stage So fraud. Would bet the house you're Jewish (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435038) |
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Date: June 24th, 2019 9:54 PM Author: Mind-boggling boistinker the entire system is fraud on multiple levels (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435041) |
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Date: January 6th, 2021 12:18 PM Author: Aphrodisiac white dysfunction (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688319) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437321) |
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Date: January 6th, 2021 12:18 PM Author: Aphrodisiac white dysfunction Just pay back money so bantu kikes can enjoy a healthy treasury Eat shit |
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Date: June 24th, 2019 9:57 PM Author: Sapphire Selfie National Security Agency it's not a loophole. you're supposed to report material changes in your income. you don't think that your income going up by 300% the next month is a material change? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435049) |
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Date: June 24th, 2019 10:15 PM Author: beady-eyed piazza genital piercing (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: Pearly balding stage He's Jewish. I've heard this "loophole" logic used to justify various forms of fraud (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435159) |
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Date: June 24th, 2019 10:26 PM Author: Mind-boggling boistinker OY VEY PAY UP UR SHEKELS! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435215) |
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Date: June 24th, 2019 10:27 PM Author: Sapphire Selfie National Security Agency jews being jews doesn't justify fraud. have some integrity. (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435222) |
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Date: June 24th, 2019 10:27 PM Author: Mind-boggling boistinker OY VEY ITS ANNODAH SHOAH! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435226) |
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Date: June 24th, 2019 10:32 PM Author: Pearly balding stage https://www.google.com/amp/s/amp.app.com/amp/740083002
Loophole or nah? |
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Date: June 25th, 2019 2:09 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38438246) |
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Date: July 28th, 2019 4:27 PM Author: dashing autistic public bath yarmulke (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: judgmental idiot haunted graveyard (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: chestnut site degenerate What is the largest percent that is immaterial friend? (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435238) |
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Date: June 24th, 2019 10:37 PM Author: Sapphire Selfie National Security Agency (110 iq redditor asking "but where do we draw the line?") (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435274) |
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Date: June 24th, 2019 11:03 PM Author: chestnut site degenerate No (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435416) |
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Date: June 24th, 2019 10:38 PM Author: Confused keepsake machete forum 25% is pushing it (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435284) |
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Date: June 24th, 2019 11:07 PM Author: opaque chad church building cr, this faggot needs to be prosecuted (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435434) |
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Date: June 25th, 2019 11:39 AM Author: Bill Paxton and Paul Reiser in ALIENS You misunderstand this checkbox on the income certification form.
I ALWAYS check the "my income has significantly changed" box so that they let me use paystubs to calculate income instead of tax returns.
You only have to certify once a year. You have the option of certifying again (say if you lost your job or similar), but are not required to. Hilariously, if your income changes upward, you still can pay the lower rate the rest of the year. Income based repayment is a "heads I win, tails you lose" program. |
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Date: June 24th, 2019 10:29 PM Author: Laughsome Knife 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435240) |
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Date: June 24th, 2019 10:36 PM Author: green parlor Happy purim (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435262) |
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Date: June 24th, 2019 11:04 PM Author: Seedy Violent Garrison Persian (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: Pearly balding stage (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: Elite Aqua Lay There are all sorts of schemes like this...its 180 (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437255) |
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Date: June 25th, 2019 11:28 AM Author: Brilliant Chest-beating Corner Bookmarking for later (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437264) |
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Date: March 9th, 2023 7:28 PM Author: Sienna alpha (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031460) |
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Date: July 28th, 2019 3:30 PM Author: Bill Paxton and Paul Reiser in ALIENS They are cracking down on income based repayment fraud, luckily they are getting at the dumb goyim who claim 30 dependents: https://abcnews.go.com/amp/Politics/wireStory/feds-find-potential-fraud-student-loan-repayment-plans-64575667
Still riding this loophole, but currently have $0 payments for the next year because I had a brief lapse of employment and recalculated income during this period lol. |
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Date: July 28th, 2019 4:25 PM Author: Cowardly Spectacular Potus (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601728) |
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Date: August 24th, 2022 9:00 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065702) |
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Date: August 24th, 2022 9:05 PM Author: coral fighting house lettuce This works if your annual income contains a large bonus every year. It makes sense as well because you can’t guarantee you’ll have a giant bonus next year so you certify based on your lower income like you would on child support (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065720) |
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Date: August 24th, 2022 10:03 PM Author: Irate motley stag film tank More POWERFUL hack: lose your job and get on unemployment. Update/recertify your income using your unemployment checks as your basis. Enjoy like a $30/month payment for a year. Rinse and repeat as needed. Thanks libs! (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#45065984) |
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Date: March 9th, 2023 7:25 PM Author: Bill Paxton and Paul Reiser in ALIENS (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#46031443) |