DEFAULT...Student Loans

bartleby929 said:
cooking is somewhat impractical if you are living by yourself. whenever i decide to cook and "save money" - it seems like i end up with a solid $30-$50 receipt, of which i get maybe one or two meals out of it.

a lot of it is because i'm lazy and it turns out vegetables and fruit go bad really fast. if i had like 3 other people to cook for i'd do it a lot more often. 

i spend around ~200 a week on food but often i'm paying for both me and my girlfriend. i figure it more than makes up for the time spent otherwise cooking, cleaning, buying veggies/produce/meats, cooking equipment, etc
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The secret is to buy ingredients that can be used for more than one recipe and cook larger portions. You can make tacos/enchiladas for $20 ($5 lb of beef/turkey, $1 mexican seasoning packet, $4 tortillas, $3 lettuce and a tomato, $3 for cheese, $3 goya rice) and that should last at least 4 meals. Frozen veggies generally retain their nutritious value, and often are inexpensive. Fruit is a B though; I had to bring snack for my daughters soccer game and decided to go with bags of grapes. Spent $11 on grapes, $2 on bags, and that was enough for 10 girls, with a little left over.
 
@richiecotite  I agree thats exactly how I do my shopping. I buy a bunch of meat in bulk from Sam's (chicken,salmon, ground turkey, tilapia, shrimp) portion it then freeze it. I get my veggies every week and a half.

Easiest way to save money/time is to meal prep and cook all of your lunch for the week on Sunday. Then I make dinner every couple of days or every day if you like variety.

$800/mo on food for 2 people seems like a crazy high amount to me.
 
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You guys are all good on food money, I spend around $1,600 every month for myself on food and alcohol combined
 
BeezyGotSole said:
That is od how do you even do that? That's rent money lol
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Part of it is because I live in SF and everything here is expensive.  Everyone out here I know eats out everyday like I do so it's a social thing.  The number 1 things we do really for fun is going out to eat or drink or both.  Happy Hours, coffee shops, bakeries, bars it all adds up.  I mean I also don;t have any student loan debt like I mentioned earlier so I guess that helps.
 
yeah a 40 dollar pizza once a week brings you to 160. then you have 20 other meals, soda, coffee, bottled water, smoothies, etc. 

it adds up like crazy. 
 
bartleby929 said:
 
yeah a 40 dollar pizza once a week brings you to 160. then you have 20 other meals, soda, coffee, bottled water, smoothies, etc. 

it adds up like crazy. 
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exactly, and in SF where you have the highest % of ppl that make 150k+ in any city these places are pricing things accordingly even though you have a lot of ppl like myself that make much less than 150k
 
Same can be said for DC, but that doesn't mean I have to live like the people that make 150K+...different strokes for different folks.
 
40$ Pizzas 
eek.gif
. Whats on that thing?
 
i think any pizza (outside of chains - but maybe including chains) is around $20. everywhere i go to is a little more. i like getting the larger size cause i read some gawker article about why getting a larger pizza is worth it so it's going to be around $30. two soda, tip, tax... $40 is pretty conservative but it feeds two people for two meals, i would say. i'm not complaining about it and the difference between great pizza and crappy pizza probably isn't "worth it" but i like it. only mentioned it cause - while i don't spend $1600 on food/drinks, it really isn't that hard to do.

adding chicken on any pizza is like 4-8 bucks. sadly, i still think the pizzas are a good deal whereas chinese take-out here sucks and also costs around $40 for 2-3 things. 
 
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bartleby929 said:
 
i think any pizza (outside of chains - but maybe including chains) is around $20. everywhere i go to is a little more. i like getting the larger size cause i read some gawker article about why getting a larger pizza is worth it so it's going to be around $30. two soda, tip, tax... $40 is pretty conservative but it feeds two people for two meals, i would say. i'm not complaining about it and the difference between great pizza and crappy pizza probably isn't "worth it" but i like it. only mentioned it cause - while i don't spend $1600 on food/drinks, it really isn't that hard to do.

adding chicken on any pizza is like 4-8 bucks. sadly, i still think the pizzas are a good deal whereas chinese take-out here sucks and also costs around $40 for 2-3 things. 
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Yeah even pizza isn't cheap anymore unless you're buying little caesars
 
I'm getting a whole pie of pizza from a mom and pop for 20-27 dollars depending on size, and thats with loaded toppings and whatnot and its usually around 20 cause I never get the really large sizes. Dont really drink Soda, just got water from home. 

Pizzas a waste though, the most uneconomic fast food of them all. You can get like 4 Chinese food meals for what one pizza pie costs
 
Yeah, living in San Francisco is ridiculously expensive.

My friends don't even blink nowadays to meet up on a Friday for a meal and drink to hang out. We went to some mexican tapas place and it cost me $67 for 3 very so-so deliciousness tacos and 2 margaritas. After living abroad I just felt awful for the next whole week about that - that is how much I'd spend eating out for an entire week.
 
[h1]Students ask Education Department to discharge college debt[/h1][h2]Thousands of students ask government to erase college loans, claiming fraud or school closure[/h2][h2]By Anne Flaherty and Jennifer c. Kerr, Associated PressSeptember 3, 2015 4:54 PM[/h2]
WASHINGTON (AP) -- More than 3,000 former Corinthian College students will have their college loans erased, the first wave of debt relief tied to the collapse of the for-profit higher education chain. The potential cost to taxpayers if all Corinthian students seek relief: $3.2 billion.

So far, almost 12,000 students have asked the federal government to discharge their college loan debt, asserting that their school either closed or lied to them about job prospects, according to a report released Thursday by the Education Department.

About 3,100 closed-school claims have so far been approved — totaling about $40 million in student loans, the department said.

While unprecedented, the figures represent just a fraction of the students who might qualify for debt relief.

Education Undersecretary Ted Mitchell told reporters in a press call that processing remaining claims will take some time. "Borrowers and taxpayers are counting on us to get this right," he said.

For 33-year-old Tasha Rincon, a mother of three, relief from her government loans for Corinthian cannot come soon enough.

Deeply in debt, Rincon says she can't even afford to buy groceries and is working three hours a day in a school cafeteria about an hour away from her home in Lake Elsinore, California.

"It's just not fair," said Rincon, who graduated in 2012 from Corinthian's Everest College with an associate's degree in criminal justice and a bachelor's degree in business management. She's earning nowhere close to the $45,000 that recruiters had promised her.

"If it had helped me get a better job, I could do more for my kids," Rincon said in an interview. She owes more than $43,000 in student loans and is waiting to hear from the Education Department whether her loans will be erased.

As of late last month, most of the nearly 12,000 claims that have been filed are Corinthian-related, and they represent an unprecedented spike in what's called a "borrower's defense" claim. With such a claim, students can ask for loan forgiveness if they believe they were victims of fraud.

Mitchell said the borrowers' defense claims are "new territory" for the department.

Before Corinthian, officials say they knew of five or so "borrower's defense" cases in the past 20 years. Following Corinthian's demise, some 4,140 such claims have been filed since the department's June announcement that it would make the debt-relief process easier. An additional 7,815 Corinthian students have filed claims for debt-relief because their school closed, officials said.

Mitchell and the department's new "special master" for debt relief, Joseph Smith, did not have a dollar estimate for the nearly 12,000 claims made to date.

Mitchell said the potential costs to taxpayers could be up to $3.2 billion if all Corinthian students dating back to 2010 who borrowed government money were to seek relief. Some 350,000 students have attended Corinthian schools over the past five years.

Education Department rules say the company should be responsible for any canceled debt but it is unlikely that the company can pay. Corinthian filed for bankruptcy protection in May 2015.

Corinthian had been one of the largest for-profit schools when it collapsed and became a symbol of fraud in the student loan program. According to investigators, Corinthian schools charged exorbitant fees, lied about job prospects for its graduates and, in some cases, encouraged students to lie about their circumstances to get more federal aid. The bankruptcy court filing came after the department notified Corinthian that it would fine its Heald College $30 million for misleading students. Some 13,500 students still were enrolled.

The Obama administration is trying to rein in the for-profit college industry, which it says relies too heavily on federal student loans and often misleads students on job prospects. In its latest move, the Education Department on Aug. 28 sent a letter to DeVry University asking the for-profit institution for proof to support its job placement claims.

In a plan orchestrated by the federal government, some of the Corinthian schools closed while others were sold. The biggest question has been what should happen to the debt incurred by students whose schools were sold. The law already provides for debt relief for students of schools that close, so long as they apply within 120 days.

The latest plan expands debt relief to students who attended a now-closed school as far back as a year ago. And it streamlines the process for students whose schools were sold, but who believe they were victims of fraud.

http://finance.yahoo.com/news/students-ask-education-department-discharge-144306762.html
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good idea or bad idea ?
 
I wanna refinance again but am waiting until I get some things in order. Have too many hard pulls on my credit at the moment waiting until two of them fall off in December and then I will refinance.
 
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