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I found a 180 loophole to income-based repayment schemes
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| Carnelian vengeful sweet tailpipe | 03/14/19 |
| Bill Paxton and Paul Reiser in ALIENS | 03/14/19 |
| Carnelian vengeful sweet tailpipe | 03/14/19 |
| bateful nowag forum | 06/24/19 |
| Passionate insanely creepy scourge upon the earth range | 06/25/19 |
| crimson round eye | 06/25/19 |
| Elite Organic Girlfriend | 01/06/21 |
| confused antidepressant drug | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 04/22/19 |
| Heady Potus | 06/24/19 |
| lascivious onyx community account old irish cottage | 06/24/19 |
| Elite Organic Girlfriend | 01/06/21 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Elite Organic Girlfriend | 01/06/21 |
| buff provocative new version menage | 06/24/19 |
| Concupiscible turquoise market | 06/24/19 |
| Heady Potus | 06/24/19 |
| lascivious onyx community account old irish cottage | 06/24/19 |
| buff provocative new version menage | 06/24/19 |
| lascivious onyx community account old irish cottage | 06/24/19 |
| Heady Potus | 06/24/19 |
| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
| Spectacular irate institution digit ratio | 07/28/19 |
| crimson round eye | 06/25/19 |
| Lavender Offensive University | 06/24/19 |
| buff provocative new version menage | 06/24/19 |
| Lavender Offensive University | 06/24/19 |
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| Bill Paxton and Paul Reiser in ALIENS | 06/25/19 |
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| Heady Potus | 06/25/19 |
| Passionate insanely creepy scourge upon the earth range | 06/25/19 |
| rebellious location headpube | 06/25/19 |
| confused antidepressant drug | 03/09/23 |
| Bill Paxton and Paul Reiser in ALIENS | 07/28/19 |
| Galvanic Clear Native Sound Barrier | 07/28/19 |
| Bill Paxton and Paul Reiser in ALIENS | 08/24/22 |
| Supple sepia roast beef really tough guy | 08/24/22 |
| Vigorous parlor | 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: Carnelian vengeful sweet tailpipe 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: Carnelian vengeful sweet tailpipe (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#37932669) |
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Date: June 24th, 2019 10:35 PM Author: bateful nowag forum (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435257) |
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Date: June 25th, 2019 11:26 AM Author: Passionate insanely creepy scourge upon the earth range (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437252) |
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Date: June 25th, 2019 11:41 AM Author: crimson round eye (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437328) |
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Date: January 6th, 2021 12:17 PM Author: Elite Organic Girlfriend (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#41688316) |
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Date: March 9th, 2023 7:26 PM Author: confused antidepressant drug (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: Heady Potus 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: lascivious onyx community account old irish cottage 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: Elite Organic Girlfriend (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: Elite Organic Girlfriend 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: buff provocative new version menage 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: Concupiscible turquoise market (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435145) |
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Date: June 24th, 2019 10:16 PM Author: Heady Potus 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: lascivious onyx community account old irish cottage 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: buff provocative new version menage 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: lascivious onyx community account old irish cottage 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: Heady Potus 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: Spectacular irate institution digit ratio (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38601731) |
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Date: June 25th, 2019 11:41 AM Author: crimson round eye (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437336) |
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Date: June 24th, 2019 10:29 PM Author: Lavender Offensive University 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: buff provocative new version menage (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: Lavender Offensive University 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: federal stimulating heaven 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: Mahogany coldplay fan 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: Twinkling overrated halford 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: coral glittery mad cow disease 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: Orange messiness (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38435422) |
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Date: June 25th, 2019 11:22 AM Author: Heady Potus (https://xoxohth.com/thread.php?thread_id=4221025&forum_id=2#38437225) |
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Date: June 25th, 2019 11:26 AM Author: Passionate insanely creepy scourge upon the earth range 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: rebellious location headpube 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: confused antidepressant drug (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: Galvanic Clear Native Sound Barrier (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: Supple sepia roast beef really tough guy 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: Vigorous parlor 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) |