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31yo oldcel here. I figure its too late for me. I should just get back in College. Take online classes and LDAR with the loans.
Serious I can LDAR forever with Student Loans should I do it?
go back to college then LDAR and neetmax
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i won't get loans for fall semester and lost all my scholarships
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I know a lot of you guys get disability. But seriously look into Grad Plus Loans. Its unlimited money. No limit. Just take 2 classes a semester and LDAR in peace with 20k a year after tuition.
Think it's different where I am in the UK, but sounds great where you. Do it bruv 
My brain is too wrecked with alcohol these days to even be able to fake studying.
My brain is too wrecked with alcohol these days to even be able to fake studying.
are you saying i could exploit this infinitely by repeating it each year?
Get IT certifications & go into IT
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I'm saying with Grad Plus Loans there is no cap on the amount of money you can borrow from the government. Its not for undergrad. Just graduate level classes. As long as you are in them yes you can do this forever. This is why Dentists have like 500,000+ in Student Loan Debt. Grad Plus Loans cover tuition plus cost of living. So if your college is 25k a year cost of attendance, you will get like 20k after tuition to live on.
I cant guarantee this will last as eventually have will have to fix this loophole but for now it'll work. Just get one graduate degree and then move onto another one. Might have to switch colleges though. They can kick you out if your going for like your 5th grad degree.
You have to pay back the loans don't you? I guess you can rope/ER before the money runs out though.
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This is for US by the way. As far as paying back the loans here goes:
1. Leave the country - No cosigner for federal loans so they can't fuck over your parents.
2. IBR
3. PAYE - With these 2. If you make shit money. You wont have to pay back a fucking cent. Or very little monthly.
4. PSLF - With this if you get a government job your ENTIRE debt is wiped out in 10 years. Even if you have 500,000+.
5. As long as you are taking classes you are in DEFERMENT. So you can decide to do this if its cheaper than IBR/PAYE. Take at Community College.
6. Just don't pay them back. No debtors prison and not like your gonna have a family anway.
7. We have 1.5 trillion in Student Loan Debt in US. I think if a Liberal gets elected they might FORGIVE all of it. I don't know if they will forgive private student loan debt but perhaps.
8. If you can fake a disability your federal loans are forgiven.
9. Bankruptcy. Its hard but you can technically wipe out student loans if you can prove Undo Financial Hardship.
10. Fake your death. Might be able to pull this one off.
1. Leave the country - No cosigner for federal loans so they can't fuck over your parents.
2. IBR
3. PAYE - With these 2. If you make shit money. You wont have to pay back a fucking cent. Or very little monthly.
4. PSLF - With this if you get a government job your ENTIRE debt is wiped out in 10 years. Even if you have 500,000+.
5. As long as you are taking classes you are in DEFERMENT. So you can decide to do this if its cheaper than IBR/PAYE. Take at Community College.
6. Just don't pay them back. No debtors prison and not like your gonna have a family anway.
7. We have 1.5 trillion in Student Loan Debt in US. I think if a Liberal gets elected they might FORGIVE all of it. I don't know if they will forgive private student loan debt but perhaps.
8. If you can fake a disability your federal loans are forgiven.
9. Bankruptcy. Its hard but you can technically wipe out student loans if you can prove Undo Financial Hardship.
10. Fake your death. Might be able to pull this one off.
If you moved countries, could you take the money with you or transfer it somewhere else?
Don't, those student loans will come due. And when they do you better be able to fucking pay them. I'm experiencing this shit right now.
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What country and Federal Loans or Private Loans.
That ones risky. If I did this I would keep all of my cash in a safe. If you open a bank account in another country and they have a branch in the US they can get into your money.
Where do you live? On my FAFSA it says i have an estimated 6k pell grant and 10.5k direct stafford loan. How do i get this loan money? No intention on paying it back as im moving to asia after i graduate but dunno how to actually 'take out' the loans into my bank acc
Won't say the country, federal loans. Private loans are far worse, it's impossible to LDAR with private. You will have to work full time with private loans. Just saying, LDARing to loans isn't a good plan. Especially if you can't finish school and pay them off in a certain amount of time. They've dramatically reduced the window of time for students to start recompensating their loans. I'd be very careful doing this shit.
If you can get a skill without going into a significant amount of debt, I'd do that. I'd recommend trades or certifications before going to school. Unless you plan on being a STEMcel. Even then, go to a community college or trade school that leads to a bachelor. Don't waste time going straight to 3 or 4 year institution depending on what country you live in. Just my honest recommendation.
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More info for you guys. You can get a maximum of 60,000 for undergrad with Stafford loans and 80,000 for grad with Stafford loans for a total of roughly 140,000 for undergrad and grad. Then you would transfer over to Grad Plus Loans which is unlimited. Medical Students can get more with Stafford than the 140k cap.
Ok your a sophomore right. Just fill out the FAFSA. And then hook it up with your College. You must submit the FAFSA. That's the first step.
Ok your a sophomore right. Just fill out the FAFSA. And then hook it up with your College. You must submit the FAFSA. That's the first step.
They will make you start repaying 6 months after you leave or finish school. They will put that on your record when you fail to pay three bills in a row. And even though other countries will not honor the financial crimes of another country, you will never be able to return to the United States should you leave. It's over for you.
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LOL. You can return to the US bro. Only if you renounce your citizenship can you never return. If you have debt you can still return to the US.
Aware me on these
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Well if you can get SSI in the US your federal debt is wiped out. As for faking a disability. I saw a guide on here for faking Mental Shit. I'll see If I can find it.
I mean if you fail to pay the federal government and you skip out on paying, you've just committed a crime. The moment you get off the plan IRS will be waiting to put your ass in jail. Why in the fuck would you come back when you don't plan on repaying what you owe?
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This is student loan debt. Not back taxes. You won't be put in jail. And if its federal debt you can get on the Income Based Repayment plan so if you can't afford to pay it back you don't have to. Plus if you live in another country you can still be on the IBR plan since you would file your taxes in both that country and the US. And the first 104,000 earned income overseas is excluded.
Don't do anything without researching this shit yourself guys. I'm not a expert but I have looked a lot info this shit.
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Fuck student loans. We youngcels are so cucked. We get fucked left and right by the government and women’s standards. Fuck paying off student loans till the day you die.
if it was easy everyone would do it...
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Fuck man, I don't think Aspergers counts.
https://incels.is/threads/neets-on-disability-help-me.56436
That's the thread. Has a guide in it. Seems like a lot of work.
I'm saying if you skip and you're delinquent or in default for years, the collection agency will order a bench warrant for your arrest. They will then sue you. This was in response to a guy who says he was going to collect loans and then leave to SEA without the intention of repaying his loans. After a year or two of not paying his loans back, the loan agency will hand over your agreement to a collection agency. The collection agency will request your arrest. Most governments in Asia do not accept financial crimes from western countries as legit crimes and won't repatriate you to your home country. But the moment your dumb ass gets on to a plane after years of pay avoidance and step off the plane, the IRS and the US marshals will collect your ass and make you honor the agreement you made with your respective collection and loan agencies.
You can do what you're mentioning, but why go through all the hassle dude? Student loans are overrated. College debt is fucking pointless unless you're a STEMcel or in the top 10% of liberal arts majors that go on to do something useful. If you're planning to major in lesbian dance therapy just don't fucking do it. It's not worth it. If you're planning on becoming a mechanical engineer, great. How are your math skills? Are you good as physics, in particular mechanics? I mean these are the kinds of questions you need to be asking dude. If you suck at math and physics, consider going to a community college or trade school and then transfer in your credits. Weigh your options wisely, that's my point.
Fawk, I guess I have to rely on careercucking.
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I'm not planning on leaving the country. My plan is to just bum for as long as I can. And then when I cant do it any longer. Get some shitty job and get unto IBR/PAYE. I'm not going to let my shit go into default. PAYE would cap your monthly payments at 10 percent of discretionary income.
What are you planning on majoring in? If you don't mind me asking, what was your job before?
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Ok bro here's my plan. I have one bachelors already. A worthless Criminal Justice degree. I have just worked shit low pay jobs since college ended. I'm 31 now. I only have today about 12k in federal student loan debt. My plan is to just take two college classes a semester in a bullshit worthless Literature degree and take my time with it. My first 2 years of prereq's are done. So to get a 2nd degree is 2 years fulltime. I will do this in 4 years halftime. I would make roughly 9k after tuition. Then once I get into grad school I would get about 16k after tuition to live on. I will use the same approach. 2 years to get a Masters fulltime, I will attend halftime to extend it to 4 years. I will get my masters in Library Science and then once that is over I will be roughly 40 years old. If I can get a librarian job that's government so I can get on PSLF and that will wipe out my debt in 10 years. I can also stack that with PAYE and only 10 percent of my discretionary income is taking so if I have 40,000 after taxes then 4,000 of that goes into PAYE. If I cant get a good job I will work a shitty job and get on PAYE and not pay back a cent or maybe like 20 dollars a month. I also have the option of getting a 2nd Masters and then using the Grad Plus Loans and live off of those. Those have no cap like I mentioned. I can just be a student for life basically. That's my grand plan brother. Maybe I am a crazy fuck but whatever.
Librarian jobs are stacked to the brim with foids. It'll be incel hell tbh. Not to mention that bitches usually only let their girlfriends or guys they wanna fuck in those jobs. They'll take pity on a few soyboys and beta orbiters, but not many of them. And you think piling on more debt is a good plan? Why not do something like forensics that's in high demand?
1. Take out every loan you can get
2. Sink it all in crypto currency
3. Become either rich as fuck or have endless debt
Endless debt doesn't matter, it's not like you're going to need credit for anything. You can always just string along debt collectors your whole life or rope. You pretty much have nothing to lose.
2. Sink it all in crypto currency
3. Become either rich as fuck or have endless debt
Endless debt doesn't matter, it's not like you're going to need credit for anything. You can always just string along debt collectors your whole life or rope. You pretty much have nothing to lose.
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Bro the point of this is to not have to work hard. A librarian job looks easy as fuck. If it doesn't work out so be it. I'm not gonna have a family anyway. I'm fine living on minimum wage the rest of my life. I'm the ultra minimalist. Id rather work an easy job and be broke than work a hard job and have money.
I agree an INCEL has nothing to lose. You are already dead. Rack up CC debt. Rack up SL debt. Get on Roids. Fuck it.
Say you're a raging alcoholic, I am genuinely one but it's easy to fake and it gave me loads of points along with my mentalcel status for neetbux lifestyle. Say you are depressed/suicidal, even make a fake suicide attempt and no matter what pills they stick you on, just keep saying none work. So GP will constantly have to keep trying a new combo (even if you are just binning them), and fakecry to them etc. Best of luck
Well, bless you bro. You're coping if you think easy shit jobs like these are going to be around forever. Good luck tbh. I have to respect a man and his wishes.
if you're down to rope or run away and have bad credit then yeah it would be worth it
that wasnt my question whatsoever. i wont be returning to the US. read what i said
My point was that you can't go to any country where they'll honor that debt. Just be careful about where you go is my point. That's all I'm saying. Good luck
dude....... read my question
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unless it's community with the gov't paying for it then i wouldn't bother. i hear msot sub 70k jobs dont even check your college. just learn the skills on your own.
more importantly i think it's probably better to actually look into ways of self employment. you have to be chad to get anything past wage status. sometimes a beta provider can make it. incel no way. landing these enslavement jobs is more about social status and social skills than anything. sometimes a rare degree like engineering can work. past taht the stuff is worthless. so look for ways like starting your own business or manipulating sells so you can be your own boss. hoping ageist fate one of these chads are going to hire ya with these worthless degrees is just going to make your life even worse with how bad college loans are.
more importantly i think it's probably better to actually look into ways of self employment. you have to be chad to get anything past wage status. sometimes a beta provider can make it. incel no way. landing these enslavement jobs is more about social status and social skills than anything. sometimes a rare degree like engineering can work. past taht the stuff is worthless. so look for ways like starting your own business or manipulating sells so you can be your own boss. hoping ageist fate one of these chads are going to hire ya with these worthless degrees is just going to make your life even worse with how bad college loans are.
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I think this ItsOver guy who loves thailand game is doing something like that in the UK.Think it's different where I am in the UK, but sounds great where you. Do it bruv
cuck. move from the west if you have a degree you're a fakecel
Or stop being an incel in the west and just move to thailand..
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Incel party in Thailand. Whos coming?
Try LDAR out, see how you like it, decide from there. You can still try the autodidact route if you want self-improvement.
What have you go to lose? It's not like you've built up this life you must preserve at all costs.
Men refusing to participate in society is actually one of the costs of a non-monogamous society; the guys who don't get partners, and thus don't have families, have little reason to act responsibly.
What have you go to lose? It's not like you've built up this life you must preserve at all costs.
Men refusing to participate in society is actually one of the costs of a non-monogamous society; the guys who don't get partners, and thus don't have families, have little reason to act responsibly.
Just an advice: Everything you do carries consequences...no fucking matter what it is, it does have consequences. If you really want to LDAR, find the money to LDAR and LDAR. But it is very different to leach your parents or work shitty jobs, than having actual debt contracts. Just think it really careful...Plus, college campuses are literally more suicidefuel (everyone is young and beatiful) than living in the normal world.
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Just get a decent job, live in a shitty place for a few years and save up. Once you have enough, then LDAR. Much better than taking on extreme debt which will be a headache for you at some point.
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