@Curiosity23 You can also defer as an intern, and a resident, and even as a fellow if your salary is less than a certain percentage of your minimum monthly loan payment (which it will be, trust me). Technically, this is not deferring but 'forbearance due to financial hardship'. I did this for 6 years. Interest continued to accrue, but at least I didn't starve.
Plus $500 or more for licensing and professional dues, each year, FOREVER.
I don't qualify for the ten-year loan forgiveness so I've been trying to pay mine off as fast as possible. I felt I could afford more each month than my IBR plan required, but when I called the loan company to raise my monthly debit they tried to ARGUE ME OUT OF IT. Then kept screwing it up so that something seemingly so easy ended up taking several months to organize. And then had to be completely redone when I consolidated my loans less than a year later. You really have to be your own advocate.
I love this article! I've been using Microsoft Money since 2004. It's like a journal. A journal I've actually kept up with. I guess I'm not the only one who reads old entries for the memories.
@Lily Rowan Yeah, at a cool 35 my stress levels have plummeted to near-zero. I think because at this age I'm finally settled into my career (no longer in school - hooray!), a (relatively) stable relationship and have NO KIDS. That last bit is major, major. Also I spend a lot less time giving a shit about things I used to think were very important. Burn out? Cynicism? A little bit of both? Whatev, I feel awesome.
@TARDIStime That's exactly what I was going to say - 1000% worth it! No I take that back, 1,000,000% worth it!! My only regret is that I dithered so long over buying one. I was put off by the initial $40 investment and the whole idea seemed kind of...weird. Then I had an embarrassing incident regarding a clogged toilet and old tampons and, well, needless to say the Diva Cup and I are now best besties. BTW, I don't boil mine either. I don't think directions say anything about that.
Read the back of the box. If the amount of active ingredient is the same there is NO DIFFERENCE between generic and name brand drugs. We sabotage ourselves! There have been some interesting studies recently that show that generic drugs have a reduced effect (or perceived effect) when the user knows that they are generic. Basically if you think a drug will suck, it will. http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2685912/ Regarding tampons; I just want to say that the Diva Cup has CHANGED MY LIFE. It's a little extra up-front, but saves a ton of money in the long run.
@Norrey Agreed. As someone trying to raise money to redo the floors in a house (old, but not so old that the shitty carpet is covering - surprise! - fabulous hard wood), I have come to realize that carpets are for the masses. Unless they (the carpets that is) are made of wool from New Zealand. Where does bamboo fit into all of this? 'Cause that's where I'm leaning...
I'm a veterinarian and I have 90K in (public) student loans. 13K are from undergrad (private university but with LOTS of scholarships) and the rest from grad school (public, relatively cheap but still really expensive). I've consolidated and have them locked in at just over 3% interest, which seems pretty good. I'm down to about 75K after putting EVERYTHING I have into them for the past 2 years. I'm trying to pay the balance in the next five years. If I can do that I feel it will be my greatest achievement; greater even than graduating. I collect cans off the street for the bottle refund and mend clothes from the free-box to wear. I have an awesome job though so I really can't complain.
Have you thought about the Peace Corps? No, seriously! No debt, good health, no kids (I assume) - this is the time to take a risk and do something wildly different! Even if it doesn't permanently get you out of your rut, helping people who need it sounds a lot more fulfilling than selling luxury goods to people who don't.