Living On $70K A Year In NYC | Millennial Money
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- čas přidán 18. 05. 2024
- Leah Warwick, 25, lives in Queens, NY and earns $70,000 a year as a social worker on Rikers Island. According to Leah, saving for her future is as important as spending money now. She's also interested in socially responsible investing, as well as learning more about investing and financial literacy.
Read more about Leah's budget breakdown here: cnb.cx/2ZPSISL
This is the latest installment of Millennial Money, which profiles people across the U.S. and details how they earn and spend their money.
Leah Warwick tries to support companies and brands with missions and practices that account for the betterment of society, not simply profile. Warwick compares her interest in impact investing to choosing high quality ingredients when she bakes: “I love to cook, so I want to buy the best butter,” she says. “The best butter is going to produce a better cake. And so if I can give my money to a place that does better investing ... it creates a better world, a better environment, a better future.”
After graduating from NYU's school of social work in 2017, Leah worked at a family shelter in New York City before accepting her current job as a social worker on Rikers Island. Warwick is an advocate for incarcerated men living with infectious diseases like HIV and hepatitis C.
She has worked on Rikers for 1½ years and finds the job fulfilling. She wants to continue working there, hopefully one day in management.
When she was unemployed, Warwick earned extra income by taking surveys and being part of focus groups, which she still periodically participates in to supplement her income. She finds them by scouring Craigslist and calling local agencies, and she says there’s a certain skill involved to being selected to participate.
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Living On $70K A Year In New York City | Millennial Money
What’s your budget breakdown? Share your story with us for a chance to be featured in a future installment. cnb.cx/32TYZ2K
Salary - 0$
Expenses - 0$
Unemployed and still living with family.
25 with 70 grand a year? Lucky girl
do my story. I am a lawyer.
@@Radii15 not in NYC
Income = £925 a month
Housing= £370
Utilities= £50
Subscriptions= £45
Food= £160
Entertainment= £60
Transport= £30
Clothes= £20
Random= £80
Savings= ~£100
“I have about 115k in student loan debt.”
*laughs in severe misery*
she's the one who is laughing though, she is paying $60 a month and if not then $10 a month... and if Warren is elected then she will pay nothing.
Are the installments made in that way, even though they know that money would never be paid back? I mean WTF? Even in 50 years, she would have paid only 31% of the loan.
Moises Salabarria u better be a doctor than
@@khalidalali186 she is on forgiveness so it doesn't matter after 10 years it will be gone due to the plan
Miguel M many people were found not to be eligible even after making payments to the program. The issue is not only that, but if she wants to get a loan or mortgage, it will be very hard for her, maybe impossible.
I wanna see how someone lives on minimum wage in nyc
Spoiler. You can't
They live in the roach infested projects in Brooklyn, they exist
Get ready for a lifetime of hacks. The poorest people have to be the most creative in order to survive.
Most people in nyc live on minimum wage.
@@theendurance is that true? I heard someone can make 30,000 a year and live comfortable in N.Y. becaise there is so much state help from the government offered there
"I have 115k in student debt"
Well, I guess I will stop complaining about my 30k in student debt. lol
yeah me too, I finished paying off my $35K loan two months ago. it took me like 3 years, and it was the last year when I started throwing everything at it.
@@LucasGuanes how much did you pay a month
No, you should still complain about it
Right!! 😂😂 thinkin the same thing
Right! I graduated with $15k of student loan debt & 10k of credit card debt and will have it payed end of this year. Basically taking me 2 years to complete. Meal prepping definitely helps. Paying off the cards that have the highest interest is the best move and making a huge payment to one of them at least once a month helps too.
OHHHHH GRAHAM IS GONNA LOVE THIS!
I was thinking the same damn thing!!!
"Diamond" level content.
Who is Graham
LOL IKR
xtracrispy make that 20 cent coffee and watch this gem
50% of the comments talking about Graham
Me: Who tf
Yeah dude, get with the program
He does this real estate investing CZcams channel. Personally, I can't stand him. He makes good points but God I hate real estate investing people. They're such fucking Bros about it. There's always this lack of modesty that is so off-putting. I prefer channels like next level life which teach people about finances but aren't a complete ass wipe about it. We get it, you made lots of money in this. You don't have to be a douche about trying to help people.
@@IllinoisTrafficAttorney I haven't watched Graham but I totally agree about real estate bros 🙄
@KILLERxPRO99 thanks for the recommendation. I'll check the out.
@@jacquelinele9170 he's not all bad. There are times when he can really step back and chill but his General Persona rubs me the wrong way
$115K in debt.... And she only makes $70K a year. Was the Masters even worth it?! $5K in Paypal that doesn’t even gain interest. Is Paypal even insured?! She could put that in a HYSA. Wow.
I mean in the long term that's not so bad. Assuming she continues to raise her income and is easily employable then those degrees will definitely be worth. Now the people who are $100k+ in debt with $25k salaries are those who wasted their time.
Tigerkem I actually agree. Her income will rise but she’ll have to stay in public service for 10 years. She would make more money working for a bigger private company. Also, I believe only 1% or less of applicants actually got their loans forgiven from this program. Her outlook on her SL’s are not good.
amy lieu what?
@@irisxkae Yeah that's my biggest issue with this video. She shouldn't rely on the forgiveness and should pay off as much as she can now. She has savings of a $1000 a month, so she can definitely put more money towards her loans. The interest is only going to make it worse.
@@irisxkae The reason for so many rejections for the PSLF program was because a lot of those applicants didn't even meet the eligibility requirements. So she should be good as long as she makes sure she meets those. Whether a program like that should be subsidizing education is another issue....
These videos are made solely for Graham to respond to
I bet these are all fake accounts belonging to graham to boost his channel.
@@amylieu6084 nah, we just a strong and vocal fan base hes gona have to come up with a name for all this soldiers lol
@@ChristianAviles oh so your doing it for free. Nice I hope I get an army of suckers one day.
Get some personality and maybe you can but for now 😂
SMASH THAT LIKE BUTTON
@@ChristianAviles lol your a happy serf.
How did she find a one-bedroom apt for such a low price? 😱
Jenny W. Chan - Origami Tree I think she splits it with her partner
D. Akhtar even so, that’s a steal
It’s split with her partner, that’s just her half
Probably in somewhat of a bad area
Also it’s in Queens.
We’ll see Graham make a video on this in a couple days.
who is he ?
@@KellyAriesky he is basically jesus christ for young people finding their way through the world of finance.
@@KellyAriesky please search him up on yt I'm sure you Will find his videos funny😂
I’m trying to find him what’s his name. On CZcams
Yoshiko W Graham Stephans
Love how she laughs about $115,000 in debt and then says "And if for some reason the loan forgiveness doesn't work out I'll just pay $10 a month". "When it comes to budgeting I just mainly use my brain". HA! This lady is in a different universe.
It’s true. If you use the PAYE or REPAYE program, you will repay very little especially at her income level and her cost of living.
I make $60,000 a year and I went to a community college. Received my AA Degree and my social behavior degree. $0 in student loans
Hello,
This is extremely late, but what type of job/area were you able to obtain with the associates degree. Asking because I just got my bachelors but my salary is around $38,000
I went into Management, I use to be a GM at a bakery, use to make $52,000, I’m currently a Manager at Cracker Barrel making $60,000 a year
@@manny404ify what state do you live in?
I lived in LA while I was working as a GM and lived with my parents until I was 26 to save up as much as I can. I moved to GA 2 years ago, my wife and I have a house and we got our first rental property back in August of last year. We are currently looking to purchase another one.
Ok currently a LPN made 45k my 1st year. Getting my RN now from a community college. No student loans
Loved this one! It feels like everyone gets family money so it was so refreshing to see someone making it on their own!
CNBC Millenial Money needs to feature Graham in their next video!!
@@litstylefit6370 me too
Nate is too humble to promote himself so I'll do it. Guys check out his YT channel it's a great source of financial information!
@@litstylefit6370 I only know about him because of all his fan spam comments
They did. Well done Nate
No they need to feature ME
Good to see the channel giving the time of day to all types of Millennials. Some are rich and only value money, some want to retire early, and some don't care about money b/c they value other things in life.one way is not superior to the other. What is important is that the person is content/happy with their life.
Leah if you're reading this, you're doing an awesome job!
0:52 "i don't want to feel guilty if i buy an iced coffee" .... let's see what Graham has to say about that
$3.50 vs $0.20 per cup. Think he might flip out?
Its true though. $3 on lattes isnt changing her ir anyone's life. Her high savings rate and extra jobs giving her a few extra paychecks is awesome
😭
@@Aviation12 Exactly, people earning 10 x less than he is can have such a richer lives :D I really hope he'll use the money he saved some day before it's too late in terms of health etc You HAVE TO be responsible and think about your future, save for retirement etc, but his way is in my opinion way worse than her.
@@Aviation12 There is a fine FINE line between things that authentically spark joy, and things that we compulsively do because we think it will bring that feeling of satisfaction. what side of the line do you think her coffee spending falls? I like coffee, so much, that I can make it better at home, for 50 cents to 1 dollar a cup. I laugh at people at buy starbucks 5x a week. But maybe somehow, they feel the same way I do...
Besides the student debt loan, this person actually is pretty damn responsible with her money. Her biggest "expense" was her savings at a bit over $1,000. Not many adults twice her age can say that.
She only needs to pay $60/month, it's not even that bad
Those surveys are BS.
Takes like an hour asking all these questions, then you finally get one that takes like an hour to do, then they give you $1 only.
Yeah it took me a month to make $9 when i was told 10
Not much of a diff
The in person, not on line ones make $25 to $100 for each survey. But hey run an hour to two.
Yeah I do them occasionally and have made like $100 in 4 years
You have to get really into them, like at the begining you´ll obviously get pennies but once you are more established they pay up
You already know that $3.50 coffee comment is gonna trigger Graham lol
@Brian you sound fun at parties.. you don't like a good cup of coffee now and then? weird.. people wouldn't own businesses if others didn't contribute.. ur comment is so odd to me lol
Alessandra Rio coffee simp
That Community Supported Agriculture thing is way cool... awesome way to eat healthy while living in a giant city..
How is she only paying $60 a month towards her student loan if she owes that much? That public service plan scares me because it isn’t a guarantee and 10 years is a long time to wait for something like that. I guess debt can feel crippling so it’s easy to have an “I don’t care” mentality but that interest! I hope she starts following someone like Dave Ramsey. She saves a ton of money each month, she could definitely tackle that debt.
It shouldn’t happen, she took them out she should pay them, why should I have to pay for her stupidness
@K J I'm not paying for Nvidia or FIdelity threw my tax dollars.
K J yes but I can chose not to buy those products the free market drives down the price and they don’t want to talk about it because the Democrats use it to “buy votes”. No people will always work for the government because it’s wildly known working for the government is easier.
@K J Yes but a private company, they can do whatever they want.
The military, police offers and firefighters all play a much greater role. Because you are free because of the military. you are safe because of cops. Your not worried about dying in a fire because of FF.
I would not put teachers in this discussion. They make wayyy to much 48k in my state starting, to work 180 days a year from 7:30am-2:30pm.
@@newtec-kd6vy agreed
I searched for this kind of videos to seek motivation. Instead I became freaked out. Can they feature someone who is smart in managing money that we can emulate and take example and inspiration from?
@Brian can u give a basic idea about ur expenses & savings plzz !!
lol on videos with too well off people commenters say the exact opposite, that they want to see people that are in a mess
@@Maurazio man i just want a healthy middle.
Check out the youtube Channel "Choose FI"
@@Maurazio ikr, remember that 210K + CIA woman, it was all just MESS!!
$115k student debt, $60 a month, $70k income. I must have missed something
This Is Jaegi she qualifies for the government forgiveness program. So once she keeps her job and makes the minimum payment ($60), the government will pay off her loan
I know right!
@@khyraphillip9458 You mean the "I as a taxpayer will pay off her debt..." program. Wish I could go to Ireland. Oops, forgot, I have other financial obligations.
@@khyraphillip9458 What people don't realize is that "pay off" is considered income. She'll have a very big tax bill when that happens.
“The government” is you and me. Equity.
I think she’s making all the right choices. I know others might disagree, but between the loan forgiveness program and the side hustles, I think she’s doing amazingly.
same!
“I have about $115,000 in debt” Then cracks up laughing.
Wow that’s so funny.
I think that's nervous laughter of sorrow and feels so overwhelmed by it. The only thing to do is laugh because you know how ridiculous it is
3.50 ice coffee doesn't make a difference! Only 1,277 dollars a year she could save for debt..
She also said if you have money you should share it, but has built up over 100K in debt and plans to play virtually none of it off.. she outta share that 70k to the banks who hold the loans.
@@amylieu6084 hey, if that's what makes you happy in life then hell why not? Life is too short to save on the things you love!
She’s laughing because she knows she doesn’t have to pay it off
Her outlook and approach to student loans gives me immense anxiety
A fellow Social Worker!!! I LOVE IT!!!! I would like to see work side jobs within her profession because she can really boost her income.
50% of the comments talk about Graham
more like 90%
Who is he?
@@justrandomthings319 Graham Stephan has 2 CZcams channels talk about money management, real estate...ect
@@suong534 Oh, okay. Please send me a link.
@@justrandomthings319 czcams.com/channels/a-ckhlKL98F8YXKQ-BALiw.html
GRAHAM! If you see this, what is your perspective on going to a expensive college and inexpensive college in today’s age. THANKS
Hahahahaha 😂😂😂😂 she said I’ll just keep giving them $10 a month 😂😂😂😂
Girl okay! Same here lol
who else waiting for graham reacting to this ahahah
Who is graham lol
@@justins2024 Everyone knows who graham is lol come on
@@amylieu6084
I don't and no one I've asked seems to either...so please share.
@@RenaissanceThinking yeah someone please give us a link
@@RenaissanceThinking Yeah I was just making it up. I have no idea who he is.
*goes to comments to talk about graham*
*sees that every one here is already waiting for him*
keep uploading so Graham can make more videos!
0:43 "I don't use budgeting apps, those things give me more anxiety than anything"
I cracked up at this point
What they don’t tell you about the PSLF program: you not only have to stay in public service (great career!) but you also have to stay in a certain income range for that entire 10 years, and you must be in the right payment plan (her monthly payment amount tells me she’s not-you can qualify because of your job but still be rejected for not being in the right payment plan). She’ll probably remain under the limit, because social workers don’t make that much. But not making that much money for a decade is tiresome. The “I’ll just pay them $10” line is cute. They’ll come after every asset you have. People really need to be better informed about student loans, especially the PSLF program.
Do you know about when in the life of a loan they’ll go after everything? In retirement?
@@Blahgirl283 Unfortunately, I do not.
Oh my gosh how relaxed she is on her student loans! 🤩
I can’t even sleep when my credit cards pass $1,000😄😀
Me too give me heart attack of 500 debt
Note the attitude if you have the money you should share it....What an unsurprising view from someone who has none and isn't working hard enough to pay off her share to help others. This girl is obnoxious with privilege.
She’ll just give them like $10 a month
@@livin3179 ikr
Hey CNBC I got a video idea. How about "Living on $18k a year in Los Angeles, ft. Graham Stephan - Millenial Money". Yes, according to Graham he does live off of $1,500/month in personal expenses. Living in his duplex and renting out the other side helps him with housing costs. I think this would be a great collab idea and I think that it would really help both his show and CNBC.
This comment deserves more likes.
They did but his was 1.6 million
“I don’t think the 3.50 coffee is gonna make a difference.” Graham Stephen is gonna love this 😂
These videos are so neat. It's oddly interesting to see how people handle their money
Just waiting for Graham to make a video out of this!
Who is Graham
Graham Stephan does reaction videos to millenial money (he’s a millionaire and also a millenial). Search on CZcams, he’s great
@@LimitlessLovely I know who Graham Stephan is. Didn't know he did that though.
Leah if you're reading this you seem awesome!!! Working in public service is beautiful and difficult and you're doing amazing!!
Loved your interview very good tips
This series us so great. Keep them coming! Congrats to this young lady for doing good in the world and managing her money well!👍🏾
I didnt make that until my 30s so shes doing well.
Well she lives in New York so...
I love her cavalier attitude about her student loan debt
Jesus Christ, the way she dismissed her loans, very concerning. And shes from NYU, imagine everyone else..
I love this series. I'm also dying that all these comments are awaiting Graham's reaction video. 😂
Sharon Tseung same here. I even dropped the link on the video he uploaded yesterday.
Melissa Mendoza lol!!
Me too
She makes 70k, she saves 1k a month and has 5k in her savings account. Something doesn't add up. Well even if I count in her roth at 240 a month it leaves $750 a month so it looks like she started saving six months ago. Beside that she has 10k in her roth, that means she's been saving in it for 3 to 4 years. Math just doesn't make sense.
And BTW $3.5 ice coffee makes a difference, and this agriculture subscription also does make a great difference. Also why would you invest $115k in a degree that makes you earn just a few thousands more than if you were uneducated. Do you really need that level of education to be a social worker?
Yes you need a master's degree to be a social worker
The 3,50 USD icecoffee definitely makes a difference. If you would drink it daily it would be about 1200 USD a year. Not saying that this girl drinks it daily, but for me that was definitely a wake up call. In my twenties I was really yolo with money and never understood where all my money went. Well... spending 200-300 a month on coffee was just very stupid but I was so oblivious because each time I was like ; ahh, its just a few dollars. Talk about some huge denial. haha
Yeah but, if I don’t do coffee if I eat garbage food if I don’t go out with friends what’s the point of life.I don’t give a fuck honestly for 1200usd that I’m going to spend anyway on something stupid like new IPhone or something that I don’t really need. Save money on bigger things not on small that gave you joy. I’m from Europe so I don’t need to worry about student loans, but honestly I think you Americans should chill out a little because giving 100 bucks, a month it’s not that big of a deal.And whay all of you put pressure on yourself to save money every single month.If I have something left I will put it on my saving account if not what ever.I mean what are you saving for anyway?
Yeah, I didn't consider that, that's BS I really hate how your health system works. And it's totally unfair.
yeah she could put that in her student loans...
my savings account is my paypal account...okaaaaaay then
Graham Stephen is gonna have a field day with this one
who?
Such a cool girl! I seriously pray to find friendships with people like her. I come from a lower-class family and now that I am making 60k per year as a single woman, I have the same mindset about food choices, money and giving as her.
I will be on the lookout for Graham about this 😁
Imagine she tries to get a loan and the loan officer has seen this video. She chose to go to college and then says she won’t pay off her loans and doesn’t care about them. SHE TOOK OUT THE LOANS!
You guys are ridiculous! She spent years studying for a degree that she is passionate about and is in a contract agreement with the government regarding her loans. She is giving the government a service by working in a qualified sector so no, she should not pay a single dime more than the $60 that she is already paying toward her student loans. Had she chosen to work for a private sector which would likely pay her a much higher salary then that would be a different story. And with the amount of savings that she has accrued, especially years after the video was made, I doubt that she would have any issues getting a loan.
She is just so lovely- so nice to see such great people
I bet Graham’s filming a reaction video as we watch this haha
Graham!!! Time to make another video... Great stuff CNBC, keep them coming!
Graham and Borris are going to fight next friday at 8 PM. CHECK IT OUT
Cole Manceri Keep them common but also focus on a different area of the US besides New York and LA
I LOVE this person. "If you have money you should share it... Don't let money be the reason why you can't engage in certain things" wow I LOVE her, I hate feeling guilty for spending money and I hate when people try to make me feel guilty, or feed into someone asking for my opinion and hoping it's a no no don't buy it, then get mad at me when I tell them to spend some money on something they'd enjoy. Woooow. Thank you.
$0 entertainment, $0 clothes, $0 holidays, $0 eating out....
Who else thinks it would be a great idea to have Graham Stephan on Millenial Money?
Then watch him critique his own money management on his show.
Alejandro Gaona 🙌🏻
@@ericedwards12 p9
Actually tho what survey sites pay up to 60$ an hour?
@@CZcamsCZcams-hy4sl What's that?
Really great video and message!
really liked her vibe! hope she always stays happy.
She has such a positive spirit! Love it
I mean she looks happy and healthy. I think that is all.
Fun fact: most of our financial literacy education comes from our parents! Studies show young adults internalize these conversations and habit sharing better than formal education. Yet parents often depend on the school system to teach their kids financial literacy. Point is talk to your kids and kids talk to your parents about money so young adults can have a healthier relationship with their finances. The second best way we learn FL,
making mistakes🤷🏼♀️
Millennial money exist
Graham Stephen :Its free real estate
This does not have as many likes as it should 😆
Graham taking his real estate expertise further than brick and mortar, smart move
*More fuel for the Graham Stephan Fire!*
Honestly her job seems very rewarding in terms of connecting and helping others! Though being on Rikers must take a toll on mental health :/
More of these videos please.
Wow, love this video!
Can you do a blue collar worker now
I appreciate that CNBC finally had someone who is more relatable to millenials in terms of finances. For lots of folks who do not have financial support from their parents, being thousands and even hundreds of thousands of dollar in debt is a reality. Many of the people featured through this series have been people who have had their education paid for by their parents, so this is a nice change for the series. Given all the debt Leah has and living in New York, I think Leah's relationship with money is healthy and overall balanced.
Good for you for using the pay back loans with the federal programs. I used a similar program for teaching.
I need that Golden Girls light switch plate!
Graham is definitely going to lose it on the PayPal savings account omg.
"savings is my paypal" o god
Lovely story. Leah has a generous heart.
GRAHAM going is to freaking flip it out with excitement
I am also a social worker like her but I just couldn't wrap my head at her reaction about her student loans. I don't believe in the loan forgiveness program and never will. The interest alone will make her loans double and I feel like she has that much loans now because of that. I did both my undergraduate and graduate in social work and my loans were already half of what she stated. For the amount of side hustles she gets I think that she could definitely increase her monthly payments! Anyways, to each their own.
It’s because she went to nyu for graduate school, that’s about 30k a semester
Love that she said she will just give them $10 a month. 😂😂
Not gonna watch, need Graham’s video to go up first want to watch his reaction alongside the video
Crazy how 70k in NY is hard but several states you can live without worrying.
Her first mistake was going into over $100k in debt for 'Social Work.'
Are they private or public loans?
@@user-td7xf3gz4l if that's public then that's wrong
Millennial Money is the one of the only things that makes Graham happy 😃
Her last 5 sentences are GOLD
I want to know how she started doing the surveys for extra money
She was on impractical jokers
Where they had to take notes in a study group
GREAT TOPIC!!!!!
Graham gonna enjoy doing this !
20cents coffee 🤔🤔...
Shiva Poli wow, a comment not about Graham?!
@@cameronblackwell2611 He is boxing Borris next friday! Borris owes him money and they are mud fighting until a bone is broken or someone cries "uncle" !
Cameron Blackwell graham drinks 20 cent coffee so no, this is about graham haha
@@NickOloteo ITS ALL ABOUT GRAHAM> HE IS RICH AND HAS A CAR IN HIS HOUSE>
OMG OMG I CAN BE RICH LIKE HIM TOO!!!!!!!!!!!
@@cameronblackwell2611 nope, signature of Graham
Wait, I heard iced coffee.... GRAHAAAM!
You taught me something new Leah! I knew nothing about CSA!
Beautifully stated, about money.
Graham Graham where are u? I can't wait to see your reaction to this.
is busy counting his money. He said recently he is currently making 150k/month
She lost me at the 115k in student debt but she only making 70k a year..with a masters..if you ain’t making over 6 figures a masters is a waste
Pretty sure you need a masters to be a social worker in that field?
@@katy3901 that's dumb, she isn't a brain surgeon. 4 years of study is more than enough to do her job.
@@gcg8187 I can't claim to be an expert in that, it's just what I heard. Not her fault.
Actually it’s a state LAW that you HAVE to have a masters degree to do social work and to qualify for advanced licensure. Without mine, I wouldn’t have been able to test for my first licensure, which also opened up more job opportunities and pay.
You guys made me subscribe to Graham...THANK YOU!
I think a lot of people are missing the point. People have different values. The woman has an MSW, I imagine it's not because she wanted to be comfortable, let alone wealthy.
$60 pm on a $110k+ debt...
I’m South African but that doesn’t sound right girl 👀
Baatile Kgosiemang It’s not. She’s not on the correct payment plan, which means that in 10 years, she won’t qualify for the public student loan forgiveness program. Kid is gonna regret her naivety in a decade.
At 1:43 it mentions that she is apart of the Public Service Loan program (since she works for a public agency.) Essentially the philosophy of the Public Service Loan program is we'll forgive your loans if you work for in a public position for 10 years. The reason this incentive exists is to draw people away from the private sector who could make more money there. This isn't illegal, its an incentive (ie mostly free college tuition vs making more money + college tuition.)
EliMarx I was so puzzled by her $60/mo payments until you explained it better. I’m in the PSLF program as well and make a little more than her and my min payments are $700ish+/mo under IBR. And my loans are about half of what she owes. I was baffled.
I'm not on a public service payment program like her but I pay more than her per month with half her salary. She is living in la la land. Someone missed a zero on her paperwork.
I'm on PSLF and I pay $11 on a 20k loan. We are just lucky I guess.