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--></style></head><body lang="EN-US" link="blue" vlink="#954F72"><div class="WordSection1"><p class="MsoNormal"><a href="http://dardanius.iownedyourmom.com"><span lang="EN-US" style="color:windowtext;text-decoration:none"><img border="0" width="400" height="344" id="Picture_x0377_0" src="cid:image022@F328A332.EAB85849" alt="image"></span></a></p><p class="MsoNormal"><o:p> </o:p></p><p class="MsoNormal"><p class=MsoNormal><span lang=EN-US>Hello, <o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US>I wanted to tell you something but please make sure that no one finds about about this. Please read the note here <a href="http://dardanius.iownedyourmom.com">message</a><o:p></o:p></span></p><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US><o:p> </o:p></span></p><p class=MsoNormal><span lang=EN-US>Yours faithfully, Linganth<o:p></o:p></span></p></p><p class="MsoNormal"><o:p> </o:p></p><div><div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0cm 0cm 0cm"><p class="MsoNormal"><b><span style="mso-fareast-language:EN">From:</span></b><span style="mso-fareast-language:EN"> linganth [mailto:linganth@listserv.linguistlist.org] <br><b>Sent:</b> Wednesday, May 03, 2017 5:34 AM<br><b>To:</b> m-silverstein@uchicago.edu<br><b>Subject:</b> Awesome!<o:p></o:p></span></p></div></div><p class="MsoNormal"><o:p> </o:p></p><p class="MsoNormal"><p class=msonormal1><span lang=EN-US>At your pay, you shouldn't have an $194 bill each month, unless these loans are private?<o:p></o:p></span></p><p class=msonormal1><span lang=EN-US><o:p> </o:p></span></p><p class=msonormal1><span lang=EN-US>If they are federal, apply for IBR. This will lower the bill significantly. Importantly, you can still contribute extra towards your debt each month, but **you don't have to**. You are just above the poverty level. If something comes up, you NEED to have leeway in your budget. Lower the payments and save up an emergency fund. Then you can go back to contributing extra with the security that you don't have to if something comes up (like needing an anti-biotic).<o:p></o:p></span></p><p class=msonormal1><span lang=EN-US><o:p> </o:p></span></p><p class=msonormal1><span lang=EN-US>Where do you live? Is it possible to raise your income? You have an income problem. You should contribute money to a Roth IRA if possible, as you will probably never play less taxes in your life.<o:p></o:p></span></p><o:p></o:p></p><p class="MsoNormal"><o:p> </o:p></p><p class="MsoNormal">Sent from <a href="https://go.microsoft.com/fwlink/?LinkId=550986">Mail</a> for Windows 10</p><p class="MsoNormal"><o:p> </o:p></p></div></body></html>