Hi all!
Please let me know if this post would be better suited elsewhere. But, I feel like I have tried everything with no success — what do you beautiful women use for body odor that comes from your cleavage? I have used every soap, body scrub, exfoliant, you name it. Is there a specific deodorant product that you have found success with? Is there a specific type of bra I should be using?
Thanks in advance. :)
Hi everyone !
For reference I am a first gen college student so my parents have been learning alongside me with student loans. I have a bachelors and master’s degree. I recently refinanced my Sallie Mae (gag) loans to a fixed 4.5% rate and 5 year repayment as opposed to my 10.875% loans through them. I have $23,000 in private.
I am on the IDR repayment plan for my federal loans, 139k. I have a solid income, around $85,000/year. My current fixed bills are low due to splitting rent and having a very low car payment.
I essentially went for the IDR plan to give me some flexibility if there’s some months that I can’t afford to pay more than the minimum. I have created a budget that I will be able to afford double the required once my payments start unless something crazy happens (im currently $0/months for 1 year.)
My question is: can someone explain the “tax bomb” of the IDR forgiveness? My goal is to pay off my loans but just give myself more time (20 years as opposed to 10). There’s no way I could afford a $1,650 payment every month for 10 years. Should I try and pay double my required? Or wait for the government to decide if they’ll make forgiveness tax free again?
I look forward to everyone’s kind input and I thank you for your time & advice.