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全部话题 - 话题: repayment
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r****r
发帖数: 701
1
来自主题: Living版 - repay first time homebuyer credit
我09年买的房,拿到这个8000块,10年卖的房,损失了10000块。
今年用turbo tax报税的时候,它说我不用退还这个8000块。不是很懂,查了一下规定
http://www.irs.gov/newsroom/article/0,,id=206293,00.html
You may have to repay the full or a part of the credit when:
You sold your main home to a non-related person or entity. You repay the
amount of the credit up to the amount of your capital gain. Note: when
calculating gain or loss on your main home if you received the first-time
homebuyer credit, you reduce your basis by the amount of the credit. See
Publicatio... 阅读全帖
l***d
发帖数: 846
2
Greece has a major debt repayment to make in the next 24 hours and the
situation is looking desperate
Mike Bird Apr. 8, 2015, 10:16 AM

Greece's next major debt repayment to the International Monetary Fund (IMF)
is due on Thursday. It's worth 60 million ($499.44 million), and though
most analysts think it'll be made, there's almost no way the government can
go much further without the latest package of bailout money.
The government is still locked in negotiations with the rest of Europe for
... 阅读全帖
d***y
发帖数: 9
3
来自主题: TAX版 - RA repayment 报税求助
我现在按resident报税,填1040。
学校payroll的官僚犯错,07年12月份给发了双倍的RA工资,
当然收了双倍的税。
我老老实实向系里反映,结果08年2月,payroll又把多发的2000
块扣了回去。问题是payroll扣的是我税后的钱。去年保税的
时候,payroll说没办法把多扣的税还我,因为扣钱发生在08
年,建议我今年保税时参考 "publication 525",的"repayment"
项目把多扣的税要回来。
今天细读"publication 525",上面说$3000以下的"wage
repayment",要填"itemized deduction"。以下是原文:
"The type of deduction you are allowed in the year
of repayment depends on the type of income you
included in the earlier year."
"If you reported it as wages, unemployment compensation,
or other nonb
r******l
发帖数: 10760
4
来自主题: TAX版 - 再问一下repayment报税问题
2013年拿了EDD的unemployment benefit。2014年年初收到通知要求退回一部分(1000
多块钱),按要求退回了。问题是这1000多块钱在2013年的1040里面已经算作收入,交
了相应的几百块钱的税。现在收到EDD寄来的2014年的1099G,上面显示了这个
repayment,有什么办法能把相应的几百块税款拿回来吗?
我已经看过Pub 525和Pub 529的条款,发现如果repayment数额大于3000的话,在填
2014年的1040时,既可以deduct又可以take credit。但是我的数额小于3000。好像只
有两种方法:
1. 如果我2014年也拿了unemployment benefit,可以直接从里面减掉这1000多块。但
是我2014年没有拿unemployment benefit。
2. 可以在2014年的1040里面deduct,但是只能deduct大于AGI 2%的部分。但是我的AGI
2%已经大于repayment的总数了,那就是一点不能deduct了。
除了这两种方法,还有其他方法吗?这1000多块钱我明明没有拿到,为啥无法要回相... 阅读全帖
t**********5
发帖数: 3
5
Due to family reason, I have to quit my current job within one year since
start date. I copied the paragraph related to sign-on bonus from my offer
leter and did not make any changes. Based on the terms, do I need to repay
the sign-on award? Many thanks and waiting for the reply online.
Sign-On Cash Award:
You will receive a cash payment in the amount of $15,000.00 as a sign-on
award if you accept our offer (the “Cash Sign-On Award”). The Cash Sign-On
Award will be paid to you as soon as practic... 阅读全帖
n**********s
发帖数: 275
6
I signed this agreement with the firm in 2006. As I know, the law changed in
2007, which require employer to pay all PERM related fees, and I quited
from the firm in 2009. Right now, my I485 is still pending.
should I repay these fees? I consult one lawyer, he tells me that since the
collecting happened in 2009, which is after 2007, I should not pay the fees
.
if we go to the court, how much chances will I win?
Permanent residence repayment agreement
4. Repayment. If the employee voluntarily ter
m****a
发帖数: 164
7
来自主题: Living版 - 问个8000 repayment rule的问题
e文不精,请教一下f5405的这段意思。
是说3年内卖房的话,如果低于现在的房价就不用还8000了么?
Exceptions. The following are exceptions to the repayment rule.
1. If you sell the home to someone who is not related to you, the repayment
in the year of sale is limited to the amount of gain on the sale. (See item
8 under Who Cannot Claim the Credit for the definition of a related person.)
When figuring the gain, reduce the adjusted basis of the home by the amount
of the credit.
l*****l
发帖数: 63
8
irs 在有的网页说在36个月里如果不是primary home,就要repay 8000 credit, 后面也
没注明什么situation下不再是primary home; 但在 5405 instruction 里说:
"You generally must repay the credit if after the year for which you claim
the credit, you dispose of the home or it ceases to be your main home during
the 36-month period beginning on the purchase date. This includes
situations where you sell the home (including through foreclosure), you
convert the entire home to business or rental use, or the home is destroyed,
condemned, or dispo... 阅读全帖
r******l
发帖数: 10760
9
没人知道?repay benefit也许碰到的人不多,不过repay sign-on bonus的应该挺多吧
?怎么处理呢?
t**i
发帖数: 688
10
"If you resign (or give notice of your resignation) or your employment
terminates for any reason other than job elimination (as defined by the XXX
Separation Pay Plan then in effect) within 1 of your start date, ..."
(1) What does XXX Separation Pay Plan say on resignation due to family
reason? What reason of resignation did/do you state in your resignation
letter? Although you want to quit due to family reason, if it happens that
XXX is undergoing layoffs, then you may make efforts to be subj... 阅读全帖
x*c
发帖数: 156
11
3年内repay 100%,3-5年离开repay 50%。请问合理吗?
O*****g
发帖数: 1257
12
The Grey Lady is late again. So their motto should be changed to "All the
news that's fit to print, eventually."
http://www.nytimes.com/2010/05/02/business/02gret.html?ref=business
Repaying Taxpayers With Their Own Cash
By GRETCHEN MORGENSON
AS we inch closer to a clearer understanding of the products and practices
that unleashed the credit crisis of 2008, it’s becoming apparent that those
seeking the whole truth are still outnumbered by those aiming to obscure it
. This is the case not only on
m*****5
发帖数: 23482
13
April 14 (Bloomberg) -- Goldman Sachs Group Inc., buoyed by better-than-
expected earnings and a 54 percent gain in its stock price, raised $5
billion in a share sale to help repay $10 billion in government rescue funds.
The bank said today it sold 40.65 million shares at $123 each, 5.5 percent
less than yesterday’s closing price of $130.15. The price was exactly the
same level at which the bank last sold shares in September. Until last week,
the shares hadn’t closed above $123 since Oct. 6.
Chi
h***a
发帖数: 2720
14
http://www.marketwatch.com/story/honda-agrees-to-repay-24-milli
Honda Motor Co.’s auto finance unit will pay out $24 million in
compensation to minority borrowers after the federal government said the car
maker charged African-American, Hispanic and Asian borrowers higher
interest rates on car loans than it did for whites — even if their credit
was good.
The Consumer Financial Protection Bureau said Honda’s HMC, +1.32% past
practices resulted in thousands of African-American, Hispanic, and Asi... 阅读全帖
S******n
发帖数: 617
15
来自主题: Investment版 - $53B liquidity drain & $68B TARP repayment
Uncle Benny didn't rollover all TAF funds ($53B less than maturity).
Translation: together with a previous drain of $36B on June 4, $68B
TARP repayment, PDs have a little liquidity problem.
They are real market makers, not "MM" in stock board.
b*****e
发帖数: 1125
16
来自主题: Investment版 - Repay bailout is a trigger?
Don't like their repay at this moment.
c****z
发帖数: 613
17
normally '1 yr', not '两年'. you only have to repay if you quit your job
voluntarily before your 2-yr stay at this company.
congrats on your job offer!
q*a
发帖数: 518
18
H1B of new company will begin on Jan 12, normal I need inform current
company 2-week in advance, on Dec 29th. Since I just work for current
company for 5 months, I will do the repayment of relocation fee to current
company. But if after I inform current company I would resign on Jan 12, the
company kicked me out immediately, do I still need pay the relocation fee
back? Sounds I was fired in that situation.
Thanks and Happy New Year!
m****0
发帖数: 64
19
来自主题: JobHunting版 - 问一个relocation repayment 的问题
当初来现在公司是,公司给了10k的relocation. 因为都用在搬家了就不用给tax.
现在要走要repay这些relocation assistance. 请问我要给这些可以用了做tax
deduction吗?
a*********2
发帖数: 187
20
在之前公司工作一年半,最近换工作,今天收到之前公司HR的信,要求repay一部分
sign on bonus以及全部tuition reimbursement , 全部加起来大概4000.
有版友遇到这样的问题吗,是必须还吗,是否可以改去年的税表,退回一部分税?
非常感谢
l*****l
发帖数: 63
21
我们2010年4月中买了房, 由于一直太忙, 准备拖到2010 tax return 才claim 8000
tax credit. 但因为现在工作关系, 可能要relocate去别的state, 到时在这新买的
房子里已经住了一年多了。 我们计划在三年里不在新的城市买房, 也不准备将现在
的房子卖掉或出租, 只是偶尔回来住住, 等过三,四年市场好了再卖掉。 如果这个
情况, 是不是就不符合8000 tax credit要求? 我反复读了irs网上的规定, 其实也
不是很清楚, 说在买房后的36个月内如果ceases to be primary home due to
selling or converting to a rental property or business, 或者另买了房子作为
primary residency, 那么要repay 8000. 像我这个情况, 应该怎么办呢? 谢谢先。
l*****l
发帖数: 63
22
来自主题: TAX版 - 8000 tax credit repay
我们2010年4月中买了房, 由于一直太忙, 准备拖到2010 tax return 才claim 8000
tax credit. 但因为现在工作关系, 可能要relocate去别的state, 到时在这新买的
房子里已经住了一年多了。 我们计划在三年里不在新的城市买房, 也不准备将现在
的房子卖掉或出租, 只是偶尔回来住住, 等过三,四年市场好了再卖掉。 如果这个
情况, 是不是就不符合8000 tax credit要求? 我反复读了irs网上的规定, 其实也
不是很清楚, 说在买房后的36个月内如果ceases to be primary home due to
selling or converting to a rental property or business, 或者另买了房子作为
primary residency, 那么要repay 8000. 像我这个情况, 应该怎么办呢? 谢谢先。
l*****t
发帖数: 8319
23
来自主题: TAX版 - first home buyer credit repay
怎么repay这个呢?没有收到任何的表格啊。而且HRblock上面也没有相关的地方可以填
啊。是不是必须要paper file?
r******l
发帖数: 10760
24
我们2013年拿了加州EDD的paid family leave(加州政府short term disability
insurance计划的一部分)。由于公司搞错了假期时间,所以需要退回1000多块钱给EDD
。但是退款通知是2014年才收到的,所以钱也是2014年退的。而且收到退款通知时我们
已经报完税了。
因为我们收到的2013年的1099G上没有这个repayment的数目,所以我们已经为这1000多
块钱交了税了。现在钱退回去了,怎么能把税拿回来呢?谁有这方面的经验可以介绍一
下么?多谢!
我自己查了一下,大概有两种方法:
1. 明年报2014年的税的时候,在itermized deduction里面用Miscellaneous
Deductions减掉这1000多块钱。但是问题是那个Miscellaneous Deductions要减掉AGI
的2%后才能用。
2. File 1040X修改2013年的税,从line 19 Unemployment compensation里面直接减掉
这1000多块。问题是我们的1099G上的数字是没减之前的,不会对不上吧?
d********4
发帖数: 860
25
1年内从一个奴隶小公司跳走了,走之前HR说1年内要按天数返回一些relocation和
bonus,我签字同意了,不过现在还没有通知我,如何repay,难道他们忘了吗?
因为离开公司快一个月了。他们不会真的忘了,或者不要了吗?
u***e
发帖数: 915
26
怕你走了,工资给的合理吗,如果合理,也就10000的话费,repay也不多
PK
发帖数: 1153
27
Our policy is two years repay period.
u***e
发帖数: 915
28
我们公司没有这个policy, 也不提repay的事情,可能是因为他们pay的工资很低的缘
故。给我个10000公司和核算。

-3
g*****k
发帖数: 682
29
我公司有类似的要求
说1年内跳槽的话100%repay,3年内50%
本来还说要我签个合同什么的,后来好像也不了了之
最后也不知道这个要求到底是停留在口头上,还是真的有法律效应
不过如果绿了,应该也不在意这点儿钱啊
f**l
发帖数: 44
30
来自主题: EB23版 - repay PERM费用
这个合理吗?考古发现PERM的钱必须公司出,不得以任何理由让个人repay,但是和HR
沟通,被告知如果拿到绿卡后一年内离开需要全额赔偿,包括PERM。大家有遇到类似的
问题吗?如果真的出现纠纷,该如何处理?多谢了!
T*******e
发帖数: 4110
i*****e
发帖数: 230
32
【 以下文字转载自 JobHunting 讨论区 】
发信人: ingenue (ingenue), 信区: JobHunting
标 题: 求建议:关于relocation repayment
发信站: BBS 未名空间站 (Tue Dec 28 14:02:43 2010, 美东)
要quit job,只在现公司工作了6个月。已经交了written notice,HR说要赔偿公司当
初付给我的relocation,一共一万多块。问题是offer letter完全没有提到要如果工作
不够一年要赔偿relocation。如果提到了,那当然得赔,可是这没有提到的,怎么
argue? 不想跟公司闹翻,都是同行业,对我也不错。
l******s
发帖数: 1276
33
2010买房申请了8000credit,2012把房子卖掉了,损失了1万多,这种情况下还要退还
8000 credit吗?我看了form 5040,好像亏损的情况下不需要退还了,但是不确定,问
了几个CPA都不知道,这种情况应该怎么办?多谢啊!!
IRS的条款在这里,不过我还是不确定是如果我卖亏了超过8000,就不用归还这个
credit了?
Q. If I claim the first-time homebuyer credit for a purchase in 2009 or
early 2010 and stop using the property as my principal residence before the
36 month period expires after I purchase, how is the credit repaid and how
long would I have to repay it?
A. If, within 36 months of the date of purchase, the property is no longe... 阅读全帖
l****z
发帖数: 29846
34
来自主题: USANews版 - TARP: Billions in Loans in Doubt
By VICTORIA MCGRANE,ROBIN SIDEL and JEFFREY SPARSHOTT
Hundreds of small banks can't afford to repay federal bailout loans, a top
watchdog will warn Wednesday in a report that challenges the government's
upbeat assessment of its financial-system rescue.
Christy Romero, special inspector general for the Troubled Asset Relief
Program, said 351 small banks with some $15 billion in outstanding TARP
loans face a "significant challenge" in raising new funds to repay the
government.
Ms. Romero made the ... 阅读全帖
D**s
发帖数: 6361
35
来自主题: Military版 - 马桶的国防部是穷疯了? (转载)
【 以下文字转载自 USANews 讨论区 】
发信人: rbs (jay), 信区: USANews
标 题: 马桶的国防部是穷疯了?
发信站: BBS 未名空间站 (Mon Oct 24 16:56:01 2016, 美东)
说几十年前多发给老兵的奖金发错了,要他们退还!
The Pentagon is seeking to recover decade-old reenlistment bonuses paid to
thousands of California Army National Guard soldiers to go fight in Iraq and
Afghanistan, the Los Angeles Times reported Saturday.
The paper reported that nearly 10,000 soldiers, many of whom risked their
lives during multiple combat tours, have been ordered to repay the cash
bonuses ... 阅读全帖
P*********0
发帖数: 4321
36
The Bible on the Poor
or, Why God is a liberal
The Bible contains more than 300 verses on the poor, social justice, and God
's deep concern for both. This page contains a wide sample of them, and some
reflections. It's aimed at anyone who takes the Bible seriously.
As you read these passages, you will very likely feel a good deal of
resistance (possibly at first manifesting itself as indifference). American
churches have departed strongly from Biblical values in these areas, and
even created a r... 阅读全帖
r*s
发帖数: 2555
37
来自主题: USANews版 - 马桶的国防部是穷疯了?
说几十年前多发给老兵的奖金发错了,要他们退还!
The Pentagon is seeking to recover decade-old reenlistment bonuses paid to
thousands of California Army National Guard soldiers to go fight in Iraq and
Afghanistan, the Los Angeles Times reported Saturday.
The paper reported that nearly 10,000 soldiers, many of whom risked their
lives during multiple combat tours, have been ordered to repay the cash
bonuses after audits revealed widespread overpayments by California Guard
officials under pressure to meet enlistment target... 阅读全帖
f*****d
发帖数: 2726
38
09年买的房子,现在可能要换工作。当时拿了$8k的tax credit,现在还差两个多月到
第三年。新的公司想我早点去,但是那样就差一个多月的时间,没有办法在现在这里注
满三年。
想问一下,是不是只要在剩下这一个月不卖房子,也不出租,就算我搬到别的地方住,
也不用退那$8k?非常感谢!
edit: 自己找到了irs官方Q&A,只要不出租,不卖掉,最后一两个月不住在买的房子这里不用退税。贴在这里,方便以后需要的xdjm。
http://www.irs.gov/newsroom/article/0,,id=206293,00.html
Q. When must I pay back the credit for the home I purchased in 2009?
A. Generally, there is no requirement to pay back the credit for a principal residence purchased in 2009 or early 2010. The obligation to repay the credit arises ... 阅读全帖
b********n
发帖数: 38600
39
来自主题: Military版 - 兔子现在发了,血口吞黑金
Ecuador, one of OPEC's smallest member countries, borrowed up to $8 billion
from Chinese and Thai firms, repayable with oil, between 2009 and 2015,
according to the national oil company
Many other countries have borrowed money from China (and others such as
producers Exxon, Shell and Lukoil, as well as traders Vitol and Trafigura)
and promised to repay in oil included Nigeria, Iraq, Venezuela and others.
Fast forward to today when Angola, Nigeria, Iraq, Venezuela and Kurdistan
are due to repay a... 阅读全帖
y*********a
发帖数: 207
40
来自主题: Living版 - Giftletter,网上搜来的模板
在本站找不到模板,就去Google了一下,希望对大家有用。
以下都Copy自网站http://www.homeloanexperts.com.au/home-loan-documents/gift-letter/
--------------------------
Gift letter template 1
This is a normal letter template as used by most lenders. If your lender has
specifically asked for a statutory declaration then please use the 2nd
template.
1/1/2010
To Whom It May Concern:
Re: John Smith
I confirm that I am giving my son John Smith an unconditional gift of $50,
000 for him to use to buy a property. This gift is not repayab... 阅读全帖
n*******4
发帖数: 6402
41
最近注册了creditkeeper,详细阅读自己的信用报告和分数.并对报告中的一些建议增加
自己的思考.
You applied for credit 3 time(s) in the past 12 months, as recorded in this
credit report. Mortgage and auto loan applications within the last 30 days
are not counted. Prior to this 30-day window, all mortgage applications
within a short period (14 or 45 days, depending on the bureau) count as a
single application. This is also true of applications for auto loans. [ Less
]
This lowers your score. Applying for multiple credit accounts within a ... 阅读全帖
m*****a
发帖数: 2609
42
来自主题: Money版 - 图示:影响credit的几个因素
看这么多,赞一个。顺道贴一下citi identity monitor里提供的指导信息,是基于我
的情况,估计跟大多数平常人都是差不多吧:
========Positive Factors==========
Here are the top factors that raise your score:
----------------------------
You have never been late with your payments, and no collection accounts or
negative public records are listed in your credit report.
This raises your score. Any history of late payments (including missed
payments and derogatory payment statuses) is a negative factor. No reported
history of payments on any account i... 阅读全帖
h**********i
发帖数: 183
43
(New York) -- A hedge-fund company has filed a lawsuit against controversial
Chinese businessman Guo Wengui in New York, claiming that the elusive real
estate tycoon owes it $88 million due to a “straightforward breach of
contract case.”
Guo, also known as Miles Kwok, fled China in 2014 soon before the Communist
Party’s graft fighters detained his close associate Ma Jian, a former
national security official who remains under investigation for suspected
corruption. Interpol recently issued a “red... 阅读全帖
h**********i
发帖数: 183
44
(New York) -- A hedge-fund company has filed a lawsuit against controversial
Chinese businessman Guo Wengui in New York, claiming that the elusive real
estate tycoon owes it $88 million due to a “straightforward breach of
contract case.”
Guo, also known as Miles Kwok, fled China in 2014 soon before the Communist
Party’s graft fighters detained his close associate Ma Jian, a former
national security official who remains under investigation for suspected
corruption. Interpol recently issued a “red... 阅读全帖
q******s
发帖数: 7469
45
【 以下文字转载自 WorldNews 讨论区 】
发信人: quovadis (my shit is your gourmet), 信区: WorldNews
标 题: TG的大公评级降低美国债信用到A+,美债今天跌盘报收
发信站: BBS 未名空间站 (Tue Nov 9 22:20:08 2010, 美东)
小将今天都没有注意这个? 大公评级公司是TG承认的5个评级公司之一,今天以米犹的
联储大印钞票为理由,把美国国债的信用评级从AA降到A+,而TG的国债评级比米国高。
大公前两年想打入美国市场,结果连续被犹太人SHAPIRO控制的SEC否决了2次。
下午国债就无缘无故的迭跌不休,谣言传来说是中国降低了美债的信用评级,交易大厅
的头斥之以鼻的说土共敢吗?然后谣言证实后就一堆分析师说这个TG 有政治目的的,然
后说美国的国债是全世界的评级基准,中国哪里有权来乱评。不过下班前好像以美债为
基准的信用相关的债券SPREAD都变宽了。
China’s Dagong Lowers U.S. Credit Rating on Fed Monetary Policy
2010-11-09 ... 阅读全帖

发帖数: 1
46
来自主题: Military版 - 业内消息人士表示
K君
(注: 英文消息节选自the investor)
China Energy Reserve & Chemicals Group, which has the backing of oil giant
China National Petroleum Corp., told Korean investors that it will come up
with a plan to repay the US$350 million of debt it defaulted on by the month
-end, industry sources said on June 5.
6月5日,业内消息人士表示,国储能源集团对韩国投资者表示,将拿出一份计划,以偿
还月底拖欠的3.5亿美元债务。该集团有着石油巨头中国石油天然气集团公司的支持。
A group of representatives comprising seven Korean financial institutions
that were involved in selling or investing in the as... 阅读全帖
c*****9
发帖数: 29
47
(New York) -- A hedge-fund company has filed a lawsuit against controversial
Chinese businessman Guo Wengui in New York, claiming that the elusive real
estate tycoon owes it $88 million due to a “straightforward breach of
contract case.”
Guo, also known as Miles Kwok, fled China in 2014 soon before the Communist
Party’s graft fighters detained his close associate Ma Jian, a former
national security official who remains under investigation for suspected
corruption. Interpol recently issued a “red... 阅读全帖
q******s
发帖数: 7469
48
小将今天都没有注意这个? 大公评级公司是TG承认的5个评级公司之一,今天以米犹的
联储大印钞票为理由,把美国国债的信用评级从AA降到A+,而TG的国债评级比米国高。
大公前两年想打入美国市场,结果连续被犹太人SHAPIRO控制的SEC否决了2次。
下午国债就无缘无故的迭跌不休,谣言传来说是中国降低了美债的信用评级,交易大厅
的头斥之以鼻的说土共敢吗?然后谣言证实后就一堆分析师说这个TG 有政治目的的,然
后说美国的国债是全世界的评级基准,中国哪里有权来乱评。不过下班前好像以美债为
基准的信用相关的债券SPREAD都变宽了。
China’s Dagong Lowers U.S. Credit Rating on Fed Monetary Policy
2010-11-09 18:38:48.197 GMT
By Joshua Fellman and Ye Xie
Nov. 10 (Bloomberg) -- China’s Dagong Global Credit Rating
Co. reduced its credit rating for the U.S. to A+ f... 阅读全帖
h**********i
发帖数: 183
49
(New York) -- A hedge-fund company has filed a lawsuit against controversial
Chinese businessman Guo Wengui in New York, claiming that the elusive real
estate tycoon owes it $88 million due to a “straightforward breach of
contract case.”
Guo, also known as Miles Kwok, fled China in 2014 soon before the Communist
Party’s graft fighters detained his close associate Ma Jian, a former
national security official who remains under investigation for suspected
corruption. Interpol recently issued a “red... 阅读全帖
R******4
发帖数: 96
50
来自主题: Investment版 - help:是还贷款,还是买roth IRA?
关键你一共欠了多少student loan,是打算还完还是打算以后被forgive?
如果打算还完,尽早refinance,改成10-year standard repayment。别指望用income
based repayment然后以后被forgive,这个是建立在你20年都是低收入的情况下。如果
你5年后收入增加了,你之前少还的多产生的利息都在那,你还得付,难道你就打算为
了被forgive20年都不争取涨工资?如果不打算被forgive,那么income base
repayment和write off都没有意义。(注,即使被write off,那些钱算你那年的
income,要交税的)
如果实在不打算refinance,6.8的利率太高了,你先还这个可是稳定的6.8%的年收益。

repayment)
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