Forbearance

I got uber confused by a letter from Citibank I received yesterday. It looks like my federal loans are in forbearance, but they're not. I don't get it. So I called and asked what I can do to make the smallest payments now while I get my shit in gear, and the guy said I can request forbearance for a year at a time without penalization - that's what it's there for.

So, that's cool - that's about $16,000 if I can get it to hold off for another year (not including interest, which I'd be responsible for). The Citiassist loans I have from undergrad and grad I still have to pay monthly, but I can handle that. It's on a graduated repayment plan - yeah, it's the worst kind. In the long term I'll end up paying more over time. But since I keep accruing parking tickets, I need the help I can get now.

My future self will probably be annoyed with my present self. However, future self, if you're reading this, I still have a 401K that I max for matching potential. So there. I do kind of have my head on straight.

Yesterday and Day before: $20 - cofee and Walitin D