I know what the problem is.

Post #220,109 by inthane-chan 8/19/05 11:40:03 AM Reply	I know what the problem is. It's not the handling of finances, it's the albatross of student loans that total 3x my wife's yearly income, at 7% fixed interest. She got a degree in Psychology, started before and finished after the state raised the bar incredibly high for new psychologists - she would have to pay around $20k out of pocket to get prequalified for the test, then there is the test itself which requires around six months of dedicated study. Of course, all the existing certified psychologists got grandfathered in. She did not get her degree in social work, and since there's an oversupply of social workers, she can't easily transition over that way. Our family lives in state, although not nearby - but there's no good paying work for me in the areas they live. Good paying = enough to survive on while trying to dig out from under student loans. Wherever we go, that monthly payment drags us down. apt-get install godlike-powers
Post #220,111 by boxley 8/19/05 11:48:07 AM Reply	what are the quals for psycologists in other states A year in a place less stringent to get a license then see if its transferrable back to washington. Or pick a place where she can use her education to make a decent living. Get out from under the loans, thanx, bill "the reason people don't buy conspiracy theories is that they think conspiracy means everyone is on the same program. Thats not how it works. Everybody has a different program. They just all want the same guy dead. Socrates was a gadfly, but I bet he took time out to screw somebodies wife" Gus Vitelli Any opinions expressed by me are mine alone, posted from my home computer, on my own time as a free american and do not reflect the opinions of any person or company that I have had professional relations with in the past 49 years. meep questions, help? [link\|mailto:pappas@catholic.org\|email pappas at catholic.org]
Post #220,119 by inthane-chan 8/19/05 12:53:07 PM Reply	Re: what are the quals for psycologists in other states 1st, you have to be relicensed in the state. This means 6 months to a year of 'internships', I.E. unpaid work, depending on the state. Then you're back to where she is now, but getting certified at that point varies from state to state. The other thing holding us here is I have two very old grandparents with not much longer in this world - and we're not willing to leave until they have, unless there's a "sure thing" waiting at the other end. apt-get install godlike-powers
Post #220,126 by boxley 8/19/05 1:36:36 PM Reply	reason to stay for sure "the reason people don't buy conspiracy theories is that they think conspiracy means everyone is on the same program. Thats not how it works. Everybody has a different program. They just all want the same guy dead. Socrates was a gadfly, but I bet he took time out to screw somebodies wife" Gus Vitelli Any opinions expressed by me are mine alone, posted from my home computer, on my own time as a free american and do not reflect the opinions of any person or company that I have had professional relations with in the past 49 years. meep questions, help? [link\|mailto:pappas@catholic.org\|email pappas at catholic.org]
Post #220,144 by Another Scott 8/19/05 3:39:34 PM Reply	I assume you're deducting that interest. I was going to say that this would be another reason to try to buy a house, but it looks as though you don't even need to itemize to claim the deduction. [link\|http://www.irs.gov/taxtopics/tc456.html\|IRS]: Topic 456 - Student Loan Interest Deduction You may be able to deduct up to $2,500 for interest you pay in 2004 on a qualified student loan. And, if your student loan is canceled, you may not have to include any amount in income. The deduction is claimed as an adjustment to income so you do not need to itemize your deductions on Schedule A Form 1040 (PDF). The devil, of course, is in the details of the loan... It's not a lot, but every little bit helps. Hang in there. Cheers, Scott.

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