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personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | 1aa6fb40e7fd464491a6945588309564 | 58dcb406a703459c9fd91012b567f39c | 1,449,778,154 | 1,450,130,143 | 8 | 89 | Who are the vision providers who cover any part of lasik?
My wife works in healthcare and has access to just about any provider we want.
I shopped around every single one and was laughed off the phone when I asked if or how much of Lasik they would cover.
| Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.04878 | 351,989 | 11.125 | 1 |
personalfinance | 3vy6a0 | I'll try not to rant for too long here..
Federal employee, married, two young children. I'm not MENSA material, but I'm no dolt either.
Current health insurance is going up by over $500 this year. As far as I can tell, for no increase in coverage. We were not unhappy, but also not pleased with our insurance the... | I'm a grown-ass man, and I cannot understand the options available to me for Health/Dental/Vision Insurance.. This is infuriating. | e64b4827c8c3450bbd6c97b8d1320b12 | 58dcb406a703459c9fd91012b567f39c | 1,449,940,763 | 1,450,130,143 | 5 | 89 | I have no help to offer but I just do the following:
Pick *some* insurance, it seems pretty clear having none is bad and illegal. As far as I can tell there is *no* way to tell what will or won't be covered, before or after you've gotten it. They are so poorly worded and there are so many fine prints and gotchas tha... | Oh and to address the items you mentioned.
Lasik and Orthodontics (for adults) are almost always considered cosmetic and almost never covered. Like 0 dollars. You can use FSA dollars for these items though. In the off chance there was some coverage it would be in your vision and dental policies respectively.
Emerge... | 0 | 0.070423 | 189,380 | 17.8 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 98c966e1a7274c4dae73ab3168081f1e | e280754bea9e45c98fb13a10acad6097 | 1,460,126,093 | 1,460,476,865 | 5 | 95 | "Neither of us are very financial people." but you just said he got a job at a registered investment adviser firm..
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.176471 | 350,772 | 19 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 6f25e1b084b548afbb463a8b54d1d12c | e280754bea9e45c98fb13a10acad6097 | 1,460,130,959 | 1,460,476,865 | 13 | 95 | I think there's a law firm in Panama that could help make this easier for you.
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.153846 | 345,906 | 7.307692 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 929acb9ebb6348b7aed36d3a996e3801 | 9895ae4727854a3889a236fa28d76835 | 1,460,101,921 | 1,460,123,251 | 5 | 12 | I hate that. I just got similar request from my employer.
I'm working for an international bank, in bank's low cost center in Eastern Europe, I'm in IT support.
They want to monitor my brokerage account (if I have any) but also any private investments like an apartment rented to a group of students.
Not only that, the... | Make sure you understand exactly what type of financial account documentation they require. I work for an investment bank and our personal brokerage accounts have to be disclosed (because you can trade individual holdings in them), but we do NOT have to provide access to any accounts that hold mutual funds/ETFs/money ... | 0 | 0.146667 | 21,330 | 2.4 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | 0365bd5df1554c118811cda0c465f04a | 1,460,139,610 | 1,460,140,252 | 54 | 155 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| 0 | 0.138889 | 642 | 2.87037 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 92bcbe3b7b854ae69f239c4ed9c6d401 | 98e95a63dc6e446b9f9e61962bec50d6 | 1,460,114,985 | 1,460,117,513 | 23 | 155 | I work in the financial industry. This is normal.
They do NOT need your checking/savings/credit card statements. They only care about investments such as 401k, IRA, brokerage accounts, etc.
| Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| 0 | 0.137931 | 2,528 | 6.73913 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | 98c966e1a7274c4dae73ab3168081f1e | 1,460,072,131 | 1,460,126,093 | 3 | 5 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| "Neither of us are very financial people." but you just said he got a job at a registered investment adviser firm..
| 0 | 0.136364 | 53,962 | 1.666667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 98c966e1a7274c4dae73ab3168081f1e | 6f25e1b084b548afbb463a8b54d1d12c | 1,460,126,093 | 1,460,130,959 | 5 | 13 | "Neither of us are very financial people." but you just said he got a job at a registered investment adviser firm..
| I think there's a law firm in Panama that could help make this easier for you.
| 0 | 0.117647 | 4,866 | 2.6 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 4ce1f42bea1040ac822099e3d7eb02eb | e280754bea9e45c98fb13a10acad6097 | 1,460,134,514 | 1,460,476,865 | 43 | 95 | There are three choices:
1. Give the company want they want.
2. Boyfriend quits the job.
3. Boyfriend quits you.
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.117647 | 342,351 | 2.209302 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 92bcbe3b7b854ae69f239c4ed9c6d401 | df8e97dfa68645668bb872731b5a1e30 | 1,460,114,985 | 1,460,139,610 | 23 | 54 | I work in the financial industry. This is normal.
They do NOT need your checking/savings/credit card statements. They only care about investments such as 401k, IRA, brokerage accounts, etc.
| This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | 0 | 0.116279 | 24,625 | 2.347826 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | 887782b1053748deaf65bf071820cdbc | 1,460,072,131 | 1,460,137,440 | 3 | 679 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 65,309 | 226.333333 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 1c1af357e5ed4f338c1c2f472c3b3fc1 | 887782b1053748deaf65bf071820cdbc | 1,460,077,311 | 1,460,137,440 | 155 | 679 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 60,129 | 4.380645 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 3cc54641a85b4aa5813e183f973bf0ac | 887782b1053748deaf65bf071820cdbc | 1,460,083,567 | 1,460,137,440 | 3 | 679 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 53,873 | 226.333333 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 5c1ebb4d288f4bdca9440a57fd95e302 | 887782b1053748deaf65bf071820cdbc | 1,460,085,087 | 1,460,137,440 | 155 | 679 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 52,353 | 4.380645 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9619252e6a4f4dc984d63cb6bdae0606 | 887782b1053748deaf65bf071820cdbc | 1,460,086,723 | 1,460,137,440 | 3 | 679 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 50,717 | 226.333333 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | a6f0c41aa56e43358384883c9bf9b463 | 887782b1053748deaf65bf071820cdbc | 1,460,094,284 | 1,460,137,440 | 155 | 679 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.115385 | 43,156 | 4.380645 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9895ae4727854a3889a236fa28d76835 | 581c202491ee42cebd1aa24e2a3ef30a | 1,460,123,251 | 1,460,123,408 | 12 | 2,327 | Make sure you understand exactly what type of financial account documentation they require. I work for an investment bank and our personal brokerage accounts have to be disclosed (because you can trade individual holdings in them), but we do NOT have to provide access to any accounts that hold mutual funds/ETFs/money ... | I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.114943 | 157 | 193.916667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9895ae4727854a3889a236fa28d76835 | 88500299783145f49101d9ca199e6b8a | 1,460,123,251 | 1,460,139,776 | 12 | 23 | Make sure you understand exactly what type of financial account documentation they require. I work for an investment bank and our personal brokerage accounts have to be disclosed (because you can trade individual holdings in them), but we do NOT have to provide access to any accounts that hold mutual funds/ETFs/money ... | I work in the financial industry. This is normal.
They do NOT need your checking/savings/credit card statements. They only care about investments such as 401k, IRA, brokerage accounts, etc.
| 0 | 0.114754 | 16,525 | 1.916667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | 6f25e1b084b548afbb463a8b54d1d12c | 1,460,072,131 | 1,460,130,959 | 3 | 13 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| I think there's a law firm in Panama that could help make this easier for you.
| 0 | 0.111111 | 58,828 | 4.333333 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | d440599ec3bf48b7a9de9824513125fd | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,081,086 | 1,460,141,136 | 9 | 1,089 | It could be worse. If you or your spouse worked in government, you might have to annually *publicly* disclose all assets, as well as any trades you make.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.111111 | 60,050 | 121 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 3cc54641a85b4aa5813e183f973bf0ac | 6f25e1b084b548afbb463a8b54d1d12c | 1,460,083,567 | 1,460,130,959 | 3 | 13 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| I think there's a law firm in Panama that could help make this easier for you.
| 0 | 0.111111 | 47,392 | 4.333333 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 7619498a3c6f49a5838821ac52f78d3f | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,090,002 | 1,460,141,136 | 9 | 1,089 | It could be worse. If you or your spouse worked in government, you might have to annually *publicly* disclose all assets, as well as any trades you make.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.111111 | 51,134 | 121 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | 21e373acda5c4fe2927dab5e98f8e69c | 1,460,072,131 | 1,460,072,193 | 3 | 2,327 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.107143 | 62 | 775.666667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,072,131 | 1,460,141,136 | 3 | 1,089 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 69,005 | 363 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | e280754bea9e45c98fb13a10acad6097 | 1,460,072,131 | 1,460,476,865 | 3 | 95 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.105263 | 404,734 | 31.666667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 1c1af357e5ed4f338c1c2f472c3b3fc1 | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,077,311 | 1,460,141,136 | 155 | 1,089 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 63,825 | 7.025806 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | d440599ec3bf48b7a9de9824513125fd | e3c0e83b12ce471f82567836a42b20b8 | 1,460,081,086 | 1,460,388,629 | 9 | 27 | It could be worse. If you or your spouse worked in government, you might have to annually *publicly* disclose all assets, as well as any trades you make.
| I am curious as to why? This might be partially because I am younger, but I never understood why money is such a taboo.
| 0 | 0.105263 | 307,543 | 3 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 8b009997561147e6ba8b1c145e531bd6 | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,081,258 | 1,460,141,136 | 155 | 1,089 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 59,878 | 7.025806 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 3cc54641a85b4aa5813e183f973bf0ac | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,083,567 | 1,460,141,136 | 3 | 1,089 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 57,569 | 363 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 3cc54641a85b4aa5813e183f973bf0ac | e280754bea9e45c98fb13a10acad6097 | 1,460,083,567 | 1,460,476,865 | 3 | 95 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.105263 | 393,298 | 31.666667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 5c1ebb4d288f4bdca9440a57fd95e302 | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,085,087 | 1,460,141,136 | 155 | 1,089 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 56,049 | 7.025806 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9619252e6a4f4dc984d63cb6bdae0606 | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,086,723 | 1,460,141,136 | 3 | 1,089 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 54,413 | 363 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9619252e6a4f4dc984d63cb6bdae0606 | e280754bea9e45c98fb13a10acad6097 | 1,460,086,723 | 1,460,476,865 | 3 | 95 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| Then he will not get the job as the liability for the firm is too high. Same as if he didn't pass a background check.
| 0 | 0.105263 | 390,142 | 31.666667 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 7619498a3c6f49a5838821ac52f78d3f | e3c0e83b12ce471f82567836a42b20b8 | 1,460,090,002 | 1,460,388,629 | 9 | 27 | It could be worse. If you or your spouse worked in government, you might have to annually *publicly* disclose all assets, as well as any trades you make.
| I am curious as to why? This might be partially because I am younger, but I never understood why money is such a taboo.
| 0 | 0.105263 | 298,627 | 3 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | a6f0c41aa56e43358384883c9bf9b463 | 73c28b2efd204dca8f281e4c5fb652bc | 1,460,094,284 | 1,460,141,136 | 155 | 1,089 | Work in this industry. This is totally legit and pretty standard. Generally, anyone sharing your household would be subject to these rules.
| Well, I found out today that an SO working in finance would be a deal breaker.
| 0 | 0.105263 | 46,852 | 7.025806 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 9895ae4727854a3889a236fa28d76835 | df8e97dfa68645668bb872731b5a1e30 | 1,460,123,251 | 1,460,139,610 | 12 | 54 | Make sure you understand exactly what type of financial account documentation they require. I work for an investment bank and our personal brokerage accounts have to be disclosed (because you can trade individual holdings in them), but we do NOT have to provide access to any accounts that hold mutual funds/ETFs/money ... | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | 0 | 0.101449 | 16,359 | 4.5 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 2b525994d2434e338d4983a6df7aa9eb | e3c0e83b12ce471f82567836a42b20b8 | 1,460,072,131 | 1,460,388,629 | 3 | 27 | My SO is an auditor for a large accounting firm. We go through the same thing, except quarterly. He isn't even allowed to own an investment account outside of what the firm offers.
| I am curious as to why? This might be partially because I am younger, but I never understood why money is such a taboo.
| 0 | 0.1 | 316,498 | 9 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | 1300653de2ea4b65bce406f4d046aad9 | 1,460,139,610 | 1,460,139,768 | 54 | 2,327 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.1 | 158 | 43.092593 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | b1715c79323348abaeb2885c435a487b | 1,460,139,610 | 1,460,140,700 | 54 | 679 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.1 | 1,090 | 12.574074 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | 04a34293954a4f9c937b8bf9efb54bbe | 1,460,139,610 | 1,460,141,892 | 54 | 2,327 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.1 | 2,282 | 43.092593 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | 120fd5e8484d488686bc6ccd97ede1fa | 1,460,139,610 | 1,460,153,892 | 54 | 679 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | yep. Both my wife and i have to grant full account access, and individually report any purchases over 1000 dollars.
Its part of what i signed on for, and unfortunately my wife by proximity is subject to it as well.
| 0 | 0.1 | 14,282 | 12.574074 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | df8e97dfa68645668bb872731b5a1e30 | 4ddb752f342f4c32b214ad61290f3b05 | 1,460,139,610 | 1,460,155,192 | 54 | 2,327 | This is pretty usual in the US. I work in the financial industry and I have had to do this with my wife's account for each of my last three jobs. She complains bitterly, but it's that or I have to find another job. Even though you aren't married, I can see them requiring it. The presumption is probably that you may as ... | I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.1 | 15,582 | 43.092593 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 92bcbe3b7b854ae69f239c4ed9c6d401 | b9c59307ee9b4713b41577e23df83e0f | 1,460,114,985 | 1,460,115,534 | 23 | 24 | I work in the financial industry. This is normal.
They do NOT need your checking/savings/credit card statements. They only care about investments such as 401k, IRA, brokerage accounts, etc.
| Rule 206A-4 requires all access persons of a financial advisor to quarterly report all beneficially owned reportable securities transactions.
By living in the same household your SO has beneficial ownership over your accounts as far as the SEC is concerned.
I am a compliance professional and require all of my adv... | 0 | 0.098039 | 549 | 1.043478 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | d440599ec3bf48b7a9de9824513125fd | a97c64c701eb47cd83eecb6d286bcb52 | 1,460,081,086 | 1,460,111,210 | 9 | 364 | It could be worse. If you or your spouse worked in government, you might have to annually *publicly* disclose all assets, as well as any trades you make.
| It's invasive but legit. I worked for a big 4 consulting firm as an analyst, and I was required to ensure that my SO, brother, and parents did not have any holdings in any companies that my employer did audits for which, as a multibillion dollar company, were a lot of companies.
| 0 | 0.096774 | 30,124 | 40.444444 | 1 |
personalfinance | 4dsms5 | My boyfriend is about to start a new job, so we are going through all the paperwork. The firm is a registered investment advisor with the SEC. As such, they need to perform due diligence to ensure there is no insider trading going on (And perhaps other reasons, but this is the only one I am aware of). I understand the ... | Boyfriend got a new job, now HIS potential employer is requiring monthly statements on MY financial accounts? | 92bcbe3b7b854ae69f239c4ed9c6d401 | 7ce386a91dc043288a6c92ddcc06c6f7 | 1,460,114,985 | 1,460,114,987 | 23 | 2,327 | I work in the financial industry. This is normal.
They do NOT need your checking/savings/credit card statements. They only care about investments such as 401k, IRA, brokerage accounts, etc.
| I work in the finance industry. This is common. No need to panic. Any brokerage account that your SO could have significant influence over must be disclosed. Marriage is irrelevant; you live with him. That's pretty close and significant.
I can't even own an investment account outside of my employer. If anything can be... | 0 | 0.095238 | 2 | 101.173913 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 38b3c42c81d245369285b6c7b4b7d796 | 1,493,595,336 | 1,493,598,190 | 6 | 21 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | 0 | 0.098361 | 2,854 | 3.5 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 69b67a7f3557455ea050d3d4c1bac1fe | 1,493,595,336 | 1,493,600,676 | 6 | 11 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Is the 120k debt just from undergrad? You mentioned the field you are in has about a 50k salary cap so I would assume it was just for an undergrad degree. Not trying to be critical but can you explain how you went 120k in debt from an undergrad degree? Did you go out of state for school?
| 0 | 0.033333 | 5,340 | 1.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 0cce499300004bf0915ab17c3c5724d3 | 1,493,595,336 | 1,493,604,982 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 9,646 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 8b851f8bd42f427185a70365cd08bbd3 | 1,493,595,336 | 1,493,621,504 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 26,168 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 45dd4809e6b844a38471f07d7da62315 | 1,493,595,336 | 1,493,629,603 | 6 | 34 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.142857 | 34,267 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 152c49d3bf8c43c9bd1ebbbf9cc14a07 | 1,493,595,336 | 1,493,629,913 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 34,577 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | a1f1235425bd4608a9b4cdf33a900c2d | 1,493,595,336 | 1,493,632,506 | 6 | 34 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.142857 | 37,170 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | ffac893d387d4a29beb41934d321fd42 | 1,493,595,336 | 1,493,636,053 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 40,717 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 0482eb1127224190b238bcb090aa78ef | 1,493,595,336 | 1,493,644,888 | 6 | 34 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.142857 | 49,552 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 982470b76f5a4494822700ef53eda875 | 1,493,595,336 | 1,493,645,577 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 50,241 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 691ef514108440578f882cbecc6d3d12 | 1,493,595,336 | 1,493,646,772 | 6 | 11 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Is the 120k debt just from undergrad? You mentioned the field you are in has about a 50k salary cap so I would assume it was just for an undergrad degree. Not trying to be critical but can you explain how you went 120k in debt from an undergrad degree? Did you go out of state for school?
| 0 | 0.033333 | 51,436 | 1.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 8427e36a20ba49da9f7124cf768ee483 | 1,493,595,336 | 1,493,648,485 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 53,149 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | a072f16c622c43dab5ee1f743539fa83 | 1,493,595,336 | 1,493,651,628 | 6 | 34 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.142857 | 56,292 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 862d4c01012c4c28a303f4cb9606f9e9 | 1,493,595,336 | 1,493,653,839 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 58,503 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 6353e7b4467040bda457987a9f2c2708 | 1,493,595,336 | 1,493,655,165 | 6 | 7 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| End goal is air traffic control with the FAA, I majored in Air Traffic Management. Currently I work in the aviation field.
| 0 | 0.08 | 59,829 | 1.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | 698336b7f47042eab48bff90f5119a88 | 1,493,595,336 | 1,493,655,375 | 6 | 17 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Perhaps you know this, but competition for ATC jobs is fierce, and you have to be less than 31 years old to even apply.
| 0 | 0.090909 | 60,039 | 2.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | ac78a2c5d11e42babcb9c439bb79c673 | 1,493,595,336 | 1,493,657,171 | 6 | 34 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.142857 | 61,835 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 6a2204ade9ab45fdaeeedf0267b996ac | a11469e5291847f793b7efa41f1e9875 | 1,493,595,336 | 1,493,679,478 | 6 | 187 | Two things:
1. Parent PLUS loans are not your loans, they are your Parent's.
2. You should look to get onto Income Based Repayment for your loans.
| Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.076087 | 84,142 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 38b3c42c81d245369285b6c7b4b7d796 | 1,493,598,154 | 1,493,598,190 | 6 | 21 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | 0 | 0.10084 | 36 | 3.5 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 69b67a7f3557455ea050d3d4c1bac1fe | 1,493,598,154 | 1,493,600,676 | 6 | 11 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Is the 120k debt just from undergrad? You mentioned the field you are in has about a 50k salary cap so I would assume it was just for an undergrad degree. Not trying to be critical but can you explain how you went 120k in debt from an undergrad degree? Did you go out of state for school?
| 0 | 0.032609 | 2,522 | 1.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 0cce499300004bf0915ab17c3c5724d3 | 1,493,598,154 | 1,493,604,982 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 6,828 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 8b851f8bd42f427185a70365cd08bbd3 | 1,493,598,154 | 1,493,621,504 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 23,350 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 45dd4809e6b844a38471f07d7da62315 | 1,493,598,154 | 1,493,629,603 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 31,449 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 152c49d3bf8c43c9bd1ebbbf9cc14a07 | 1,493,598,154 | 1,493,629,913 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 31,759 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | a1f1235425bd4608a9b4cdf33a900c2d | 1,493,598,154 | 1,493,632,506 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 34,352 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | ffac893d387d4a29beb41934d321fd42 | 1,493,598,154 | 1,493,636,053 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 37,899 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 0482eb1127224190b238bcb090aa78ef | 1,493,598,154 | 1,493,644,888 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 46,734 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 982470b76f5a4494822700ef53eda875 | 1,493,598,154 | 1,493,645,577 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 47,423 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 691ef514108440578f882cbecc6d3d12 | 1,493,598,154 | 1,493,646,772 | 6 | 11 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Is the 120k debt just from undergrad? You mentioned the field you are in has about a 50k salary cap so I would assume it was just for an undergrad degree. Not trying to be critical but can you explain how you went 120k in debt from an undergrad degree? Did you go out of state for school?
| 0 | 0.032609 | 48,618 | 1.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 8427e36a20ba49da9f7124cf768ee483 | 1,493,598,154 | 1,493,648,485 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 50,331 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | a072f16c622c43dab5ee1f743539fa83 | 1,493,598,154 | 1,493,651,628 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 53,474 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 862d4c01012c4c28a303f4cb9606f9e9 | 1,493,598,154 | 1,493,653,839 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 55,685 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 6353e7b4467040bda457987a9f2c2708 | 1,493,598,154 | 1,493,655,165 | 6 | 7 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | End goal is air traffic control with the FAA, I majored in Air Traffic Management. Currently I work in the aviation field.
| 0 | 0.034091 | 57,011 | 1.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | 698336b7f47042eab48bff90f5119a88 | 1,493,598,154 | 1,493,655,375 | 6 | 17 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Perhaps you know this, but competition for ATC jobs is fierce, and you have to be less than 31 years old to even apply.
| 0 | 0.035294 | 57,221 | 2.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | ac78a2c5d11e42babcb9c439bb79c673 | 1,493,598,154 | 1,493,657,171 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 59,017 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 355bc4add7304f31ac39f0f928c9d6f4 | a11469e5291847f793b7efa41f1e9875 | 1,493,598,154 | 1,493,679,478 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 81,324 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 0cce499300004bf0915ab17c3c5724d3 | 1,493,598,190 | 1,493,604,982 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 6,792 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 45dd4809e6b844a38471f07d7da62315 | 1,493,598,190 | 1,493,629,603 | 21 | 34 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.114943 | 31,413 | 1.619048 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 152c49d3bf8c43c9bd1ebbbf9cc14a07 | 1,493,598,190 | 1,493,629,913 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 31,723 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | a1f1235425bd4608a9b4cdf33a900c2d | 1,493,598,190 | 1,493,632,506 | 21 | 34 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.114943 | 34,316 | 1.619048 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | ffac893d387d4a29beb41934d321fd42 | 1,493,598,190 | 1,493,636,053 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 37,863 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 0482eb1127224190b238bcb090aa78ef | 1,493,598,190 | 1,493,644,888 | 21 | 34 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.114943 | 46,698 | 1.619048 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 982470b76f5a4494822700ef53eda875 | 1,493,598,190 | 1,493,645,577 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 47,387 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | a072f16c622c43dab5ee1f743539fa83 | 1,493,598,190 | 1,493,651,628 | 21 | 34 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.114943 | 53,438 | 1.619048 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | 862d4c01012c4c28a303f4cb9606f9e9 | 1,493,598,190 | 1,493,653,839 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 55,649 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | ac78a2c5d11e42babcb9c439bb79c673 | 1,493,598,190 | 1,493,657,171 | 21 | 34 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.114943 | 58,981 | 1.619048 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 38b3c42c81d245369285b6c7b4b7d796 | a11469e5291847f793b7efa41f1e9875 | 1,493,598,190 | 1,493,679,478 | 21 | 187 | I know it hurts to hear this, but if you plan on having a reasonably normal life through your 20's/30's(and I realize not everyone does!) then you need to figure something out.
You either:
1. Need to bust your ass so hard at your current job that promotions/large raises are a foregone conclusion
2. Need to take on ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.102362 | 81,288 | 8.904762 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | 69b67a7f3557455ea050d3d4c1bac1fe | 1,493,598,627 | 1,493,600,676 | 6 | 11 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Is the 120k debt just from undergrad? You mentioned the field you are in has about a 50k salary cap so I would assume it was just for an undergrad degree. Not trying to be critical but can you explain how you went 120k in debt from an undergrad degree? Did you go out of state for school?
| 0 | 0.032609 | 2,049 | 1.833333 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | 0cce499300004bf0915ab17c3c5724d3 | 1,493,598,627 | 1,493,604,982 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 6,355 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | 8b851f8bd42f427185a70365cd08bbd3 | 1,493,598,627 | 1,493,621,504 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 22,877 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | 45dd4809e6b844a38471f07d7da62315 | 1,493,598,627 | 1,493,629,603 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 30,976 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | 152c49d3bf8c43c9bd1ebbbf9cc14a07 | 1,493,598,627 | 1,493,629,913 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 31,286 | 31.166667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | a1f1235425bd4608a9b4cdf33a900c2d | 1,493,598,627 | 1,493,632,506 | 6 | 34 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | I see two ways out:
**Option 1** Live as frugally as you can (no expensive cell, no expensive gym, no vacations) and job hop to increase your income and put as much money as possible towards your loans.
**Option 2** Get a job that offers some sort of loan forgiveness program (ie, government) and pay the minimum. Stay ... | 0 | 0.121495 | 33,879 | 5.666667 | 1 |
personalfinance | 68il3h | I'm about to turn 23 years old and I'm sitting on about 120k in student loan debt split between 30k federal unsubsidized and 90k in a parent plus loan in my mothers name. I currently pay about $175 on the federal and $635 on the parent plus per month on a 20 year extended graduated plan (the unsubsidized is not extende... | I screwed up and now I have 120k in student loan debt. | 4410f7b9a5c443509e8881d5a7bc743e | ffac893d387d4a29beb41934d321fd42 | 1,493,598,627 | 1,493,636,053 | 6 | 187 | Yes, it is realistically possible. But it is going to take a bunch of hard work.
Many people just make the minimum payments and accept that they will be in debt forever. By doing IBR or some of the other payback plans, the debt never really goes down. This will affect your credit score, the amount of money you can ... | Here's the reality, as someone with close to as much student loan debt as you -
If you don't pay it off, it doesn't get paid off. You are 23 years old, great - that is right when I graduated as well. I am 28 now, and paying the minimum and going on IBR has resulted in it barely moving down an inch. My private loan we... | 0 | 0.124138 | 37,426 | 31.166667 | 1 |
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