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If she pushes her body, e.g. working while being a fulltime grad student, she runs a very real risk of making herself unable to work for the rest of her life, due to her disability.
She may be wise to pace herself -- it may result in her bringing in the most income long term.
If she pushes her body, e.g. working while being a fulltime grad student, she runs a very real risk of making herself unable to work for the rest of her life, due to her disability.
She may be wise to pace herself -- it may be the choice that results in her bringing in the most income long term.
I thought of that earlier. I believe she might enjoy a co-op. A job that will allow her to gain useful experience that is relevant to her degree.
I see no value in pushing her to wait tables.
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Well, you cannot escape them, so if you have no job (or are underemployed) there's very little reason not to defer them.
Except for the interest thing you mentioned, and as I said, you can pay that while the loan is deferred, if you have an unsubsidized loan and it is accruing interest.
I bet yours could've been deferred or had a forbearance applied to it if it was a federal loan.
Not true of any sort of private loan. They are wicked.
ETA: If I was only 35k in debt in SLs, I'd do an IBR. They base it on whatever income you have. The payments would be tiny if all she has is a small disability check.
This is all correct. Federal Student loans are easy to adjust based on income and interest does not accrue if they're temporarily deferred.
I think the OP is all freaked out over misinformation and is probably looking for excuses to break things off with his GF. People worry about manageable debt all the time.
And no, her debt does not necessarily his when they marry. Income based repayment can be set to reflect her income alone, even if they get married.
And just because she's not working now does not mean she'll never work. Again, the OP does not have much faith in this woman or in her abilities.
If I were her, I'd be questioning the strength of this so-called relationship.
She is about to get her Masters Degree, that is significant. One day she will find a good paying job. You cannot expect her to have some high paying job right out of school. Do you live together? If not maybe you should consider doing it and pooling your funds. One day you will look back to this time and realize you were worried about something you didn't need to worry about. ALL students with high degrees come out of school with a lot of financial debt, give it some time.
I know of several cases now of young women who get pregnant and then think they have no responsibility but to take care of the baby. So the husband ends up not just bringing home the bacon, but also the shopping, cleaning cooking, etc. She may be well one of these women that think that a "real man" takes care of her. So, I'd advise you to tell her to get a job, share the expenses or move out. Texas has lots of jobs. I'm sure she could find teaching job in Texas.
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