u/313forlife

We bought a house 3 years ago that has a 3500 square foot vegetable plot (35' wide x 100' long). I've been planting more and more of it and learning to grow from seed to save on expenses, but the one thing I can't figure out is an efficient way to water it.

I've been running 200 feet of hose to the house spigot, which is the closest water source. With a sprinkler, I can get about a third of the garden (35' x 30') watered so that's all I've planted in past years. This year I have a bunch of seedlings and need more room.

What's my best option for getting water out another 60 - 70 feet beyond that won't break the bank? Another hose? I'm not sure there will be much water pressure at that length. Multiple connected sprinkler heads? I've seen a bunch of systems that claim they have a lot of coverage but I hate to spend a lot with no results.

I'm trying to not panic. I was on the SAVE plan and in administrative forbearance. I originally wasn't going to apply for a new plan until I absolutely had to but I decided to just get it over with and applied for IDR. I checked a box on the application to indicate I did NOT want to be pulled out of forbearance early, which I thought was supposed to end in August or September.

Today, Mohela sent me a "repayment schedule" as they process my IDR application and it shows a payment due in 30 days. It's the payment amount that I had under SAVE so it's not triple the payment like the new one will be. However, I only get paid 9 months out of the year and don't know how I'm going to pay this over the summer (which is why I wanted to stay in forbearance).

I've emailed Mohela but did I interpret the question wrong? Do your payments start immediately after applying for a new plan? Because if I have to pay the new IDR payment before I start getting paid again, I'm going to end up in default.

I've been lurking for a while but still am not clear how all this is working post-SAVE.

I have 85 qualifying payments and took a job in August 2024 that qualifies for PSLF. I was, and still technically am, in forbearance because of the whole SAVE snafu. I certified for the past two years (but I'm only considered a 9 month employee) but haven't made payments. It looks like IBR is the only plan that I can use if I want to continue with PSLF forgiveness and it estimates I will pay it off in March 2029.

I'm pretty sure I can only buy back if it puts me at 120 payments and 18 payments would not be enough. Could I go on IBR, make payments for 2 years (which will count as 18 months of qualified payments) and then apply for buy back? Or am I just stuck with 4 more years at this job no matter what?

I took the job primarily because of PSLF and commute 200 miles/day so I'm really hoping to not have to stay 4 more years, especially with the current price of gas and these estimated loan payments! Thanks all!