Zixtus Cavanaugh

Let me give you the real talk from someone who's been navigating this system for months. The student loan landscape is confusing, but here's what's actually happening:

The big widespread forgiveness that would have helped 40 million people got killed by the Supreme Court. That ship has sailed.

WHAT'S STILL ACTIVE AND WORKING:

1. SAVE Plan - This is your best bet right now. I applied and my payment went from $385 to $147 monthly. Even better: if you have undergraduate loans and your original balance was $12k or less, you could get forgiveness after just 10 years!

2. PSLF Improvements - They've fixed a lot of the problems with this program. If you work for government or non-profits, you should definitely look into this. I know three people who've gotten six-figure debts wiped clean through PSLF recently.

3. Borrower Defense - If you went to a shady for-profit school (like ITT Tech or Corinthian), you might qualify for full discharge.

Beware of scams! So many companies are charging people for "Biden forgiveness" help - you can do everything yourself for FREE at studentaid.gov. Don't pay anyone to help you with this!

The process can be frustrating - I spent hours on hold with my servicer - but persistence pays off. Keep records of everything and don't give up!

To add some regional perspective to the previous answers - my family is from South India, and we always learned about the Vijayanagara Empire as the major power in the south before and during the early Mughal period.

While the Delhi Sultanate controlled much of the north, the Vijayanagara Empire (based in Hampi, Karnataka) was the dominant force in the south from 1336 to 1646. They were famous for: - Incredible architecture (the ruins at Hampi are UNESCO World Heritage site) - Efficient administration - Patronage of arts and literature - Military strength that resisted northern invasions for centuries

The empire reached its golden age under Krishna Deva Raya (1509-1529), which actually overlaps with Babur's early years in India. So for people in South India, the "who ruled before Mughals" question has a very different answer than for people in North India!

It's also worth mentioning that several smaller kingdoms like the Ahom Kingdom in Assam resisted both Delhi Sultanate and Mughal influence for centuries. Indian history is so much more complex than we often learn in school textbooks!

To build on the previous answer, I like to use the "gravity as a string" analogy. Imagine Earth holding the Moon with an invisible string (gravity). If the Moon stopped moving sideways, that string would pull it straight down to Earth. But since the Moon is moving sideways really fast, the string keeps pulling it into a circular path instead of letting it fly away in a straight line.

Key numbers that make this work: - Orbital distance: 384,400 km from Earth - Orbital speed: 3,683 km/hour - Gravitational pull: Just strong enough to maintain this distance

What's really cool is that the Moon is actually slowly moving away from Earth - about 3.8 cm per year! This is due to tidal interactions between Earth and Moon. So technically, the Moon is "falling" less as time goes on, but we're talking about millions of years for noticeable changes.

This balance between gravitational pull and orbital velocity is what astronomers call orbital mechanics, and it governs everything from moons around planets to planets around stars to stars around galaxies. The entire universe operates on these same principles!

It's important to understand that there's no single "Biden student loan forgiveness" program that everyone can apply for. Instead, there are multiple targeted initiatives:

What's actually working right now: - IDR Account Adjustment: This is huge! The Education Department is counting more past payment periods toward forgiveness, including some periods that didn't qualify before. Many people are getting surprise forgiveness letters because of this.

• SAVE Plan: This is the newest income-driven plan with the most generous terms. Payments can be as low as $0/month for low-income borrowers, and unpaid interest doesn't accumulate.

Steps to take: 1. Log into your studentaid.gov account and make sure your servicer has your current income information 2. Apply for the SAVE plan - it's automatic for many existing IDR borrowers but better to confirm 3. Check if you qualify for PSLF if you work in public service 4. Look into the IDR adjustment to see if you're close to 20-25 year forgiveness

The key is to act soon because some of these programs have deadlines. I help people with student loans professionally, and I've seen dozens of clients get significant relief through these programs - one teacher just had $68,000 forgiven through PSLF last month!

Filing RTI (Right to Information) applications online has become much easier in recent years. Here's how to do it:

Official Portal: The primary website is RTI Online - this is the Government of India's official platform for filing RTI applications to central government departments.

Step-by-step process: 1. Register on the portal with your basic details and mobile number 2. Login and click "Submit Request" 3. Select the Ministry/Department you want information from 4. Write your application - be specific about the information you need 5. Pay the fee - ₹10 for most applications, payable online 6. Submit and note your registration number

What you'll need: - Valid mobile number for OTP verification - Email address - Specific details about the information you're seeking - Digital payment method (credit/debit card, net banking)

Important tips: - Be clear and specific in your questions - vague applications may be rejected - Keep your application under 500 words - You can check status anytime using your registration number - First appeal can also be filed online if you're not satisfied with the response

The system is quite user-friendly now. I've filed 3-4 RTIs through this portal and received responses within the mandated 30 days in most cases. Much better than the old paper-based system!

As someone who's dealt with period pain for years and consulted multiple gynecologists, here's what I've learned:

Generally yes, it's safe to take over-the-counter painkillers like ibuprofen (Advil), naproxen (Aleve), or acetaminophen (Tylenol) for period cramps, BUT with important precautions:

Do's: - Start taking them at the first sign of cramps - they work better as prevention - Follow the package directions exactly for dosage and timing - Take with food to avoid stomach upset - Stay hydrated

Don'ts: - Don't exceed the maximum daily dose - Don't mix different painkillers without doctor approval - Don't use for more than 3-4 days per month without medical supervision

I personally find that ibuprofen works best for period cramps because it specifically targets prostaglandins (the chemicals that cause uterine contractions and pain). My gynecologist explained that anti-inflammatory medications like ibuprofen are actually more effective for menstrual pain than plain acetaminophen.

However, if you have kidney issues, stomach problems, or other health conditions, definitely check with your doctor first. I made the mistake of taking painkillers on an empty stomach in college and ended up with gastritis - not fun!

Filing West Virginia state taxes for free is definitely possible through several options:

Official Free Options: 1. WV State Tax Department Free File - Visit tax.wv.gov and look for their Free File program if your income is below $73,000 2. Fillable Forms - Available for everyone regardless of income, but no guidance (you need to know what you're doing)

Third-party Free Options: - Cash App Taxes (formerly Credit Karma Tax) - completely free for state and federal regardless of income - FreeTaxUSA - Free federal filing, state filing is only $14.99 but often has promotions for free state filing - TaxSlayer - Free version available through the IRS Free File program if income below $73,000

My recommendation: I've used Cash App Taxes for the past two years and it's genuinely free with no hidden costs. The interface is user-friendly and it handles common WV forms like IT-140 perfectly.

What you'll need: - W-2 forms - 1099 forms if applicable - Last year's tax return (helpful but not required) - Social Security numbers for yourself and dependents

The filing deadline is typically April 15th, but always check for extensions or changes. West Virginia generally follows federal deadlines.

Remember that if you owe money, you can still file for free - the "free" refers to the preparation and filing service, not the taxes themselves!

Hey there! The Hindi meaning of "patient" (as in someone receiving medical care) is रोगी (rogi) or मरीज़ (mareez). If you're referring to "patient" as in the quality of being able to wait calmly, then it's धैर्यवान (dhairyavaan) or सब्र करने वाला (sabar karne wala).

I've noticed that मरीज़ is more commonly used in everyday conversations when talking about hospital patients, while रोगी is a bit more formal. For example: - The patient is waiting = मरीज़ इंतज़ार कर रहा है - Be patient = सब्र रखो