Damn Student Loans

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So I have a LOT of (undergrad) student loans as you probably know because I tend to complain about them.

Should I consolidate them?

My first thought would be NO NO NO!!! because I would end up spending much much more in the end due to all the interest. I am able to pay them now even though that means I have very little fun money left over. That part doesn't bother me too much. But I know that if I consolidate them, my monthly payment will be much smaller. Why would I do this?

I want to buy a house next year (if I can save up enough for a downpayment) and I think that if I had a lower monthly student loan payment I could be approved for something better. What do you think?

Have you consolidated your loans? If so, why? If not, why not?

Sarah McLusky (coco), Monday, 3 March 2003 17:25 (eighteen years ago) link

what's the interest on them. Over here they are pegged to the rate of inflation so it would be madness to consolidate them. But guess that's not the case.

Ed (dali), Monday, 3 March 2003 17:30 (eighteen years ago) link

who will you be consolidating them with? that's a big consideration -- i know people who consolidated their loans with companies that later went for-profit and jacked up the interest rates to near-usorious levels.

maura (maura), Monday, 3 March 2003 17:32 (eighteen years ago) link

I dunno, maura. I get junk mail constantly from all these different lenders offering to consolidate my loans. If I did this, I would def shop it around a bit.

Sarah McLusky (coco), Monday, 3 March 2003 17:36 (eighteen years ago) link

Just make sure the interest on the consolidation loan is lower or equivalent to the rate you have now. For loans like that the rate rarely is better. As Ed said, if the rate is prime + whatever, be careful. If it's fixed and it's low, go for it. If you have a huge amount to pay off, seeing an accountant (I would do it but I'm 1,700 miles away from you!) or someone like that might pay off.

Bryan (Bryan), Monday, 3 March 2003 17:41 (eighteen years ago) link

i'm lucky in that my student debts are smaller than anyone else i know, and i should be able to defer repayment for at least another year - the interest is between £10 and £20 a month though.

stevem (blueski), Monday, 3 March 2003 17:44 (eighteen years ago) link

Interest on student loans (in US) is tax-deductable. You are probably not deducting it now, but once you buy a house you probably will be. Once you consolidate your loans, you will lose the deductability of the loans (disclaimer: see your tax professional for advice).

i know people who consolidated their loans with companies that later went for-profit and jacked up the interest rates to near-usorious levels.

I’ve seen the same thing happen. I had a college buddy who ended up filing bankruptcy over it. As a rule, I’m adverse to consumer credit.

We took our tax return money for a couple of years and paid ours off several years ahead of schedule. Not being able to spend that cash sucked at the time, but it felt really good paying that final payment.

In buying your first house, the loan underwriter will be looking at your total debt in addition to your monthly debt obligations. Student loans will look better than having a massive consumer debt, which will look like credit card debt and make you look like someone who can’t control her spending in the eyes of the underwriter.

No One (SiggyBaby), Monday, 3 March 2003 17:53 (eighteen years ago) link

The chances are pretty good your monthly payment will go way down. Mine is something like 3X less than when my loans weren't consolidated. Just as long as you pay something..Either you pay'em off or you die.
Ready to take out another $25 K for grad school.....

brg30 (brg30), Monday, 3 March 2003 18:59 (eighteen years ago) link

That's the thing that you have to worry about, though: your monthly payment may go way down but at what expense? How much longer will it take to pay the loans off? No One there has great advice. If it's over $10K, go see someone, even if you feel pretty comfortable about handling your money/debt. They will be able to look at your whole situation, take your comfort levels into account, and come up with a strategy for you, and would probably know of tricks that you wouldn't have thought of.

Bryan (Bryan), Monday, 3 March 2003 19:03 (eighteen years ago) link

Interest on student loans (in US) is tax-deductable.

I believe in Canada they are as well. Though Im about to find out how deductable.

Mr Noodles (Mr Noodles), Monday, 3 March 2003 19:47 (eighteen years ago) link

I still owe $21,000.

:(

mark p (Mark P), Monday, 3 March 2003 19:52 (eighteen years ago) link

Line 319 of Schedule 1, Noodles.

Bryan (Bryan), Monday, 3 March 2003 19:52 (eighteen years ago) link

Yeah for me and Mark in the 20K + club.

Mr Noodles (Mr Noodles), Monday, 3 March 2003 20:07 (eighteen years ago) link

I started at 29k!

Failing a lottery win, I won't be free until the age of 30. Fucking hell.

mark p (Mark P), Monday, 3 March 2003 20:12 (eighteen years ago) link

Oh, in the US, I belive you can only take a deduction for the first few years (5 maybe?)— I forget for how many as it was only added to US Tax Code after we paid our loans.

I won't be free until the age of 30.

I was 32 when I got free— and that was ahead of schedule.

No One (SiggyBaby), Monday, 3 March 2003 20:14 (eighteen years ago) link

We have $500 left! And don't have to pay that for another year and a half!

Dan Perry (Dan Perry), Monday, 3 March 2003 20:18 (eighteen years ago) link

The interest payable on student loans in the UK is very low (currently about 1.3%). Where as you can get about 4% untaxed interest on any money sitting in an ISA account.

So I'd say pay off the bare minimum required for your loans and put some money into savings instead. But I'm not sure how this would effect being approved for a mortgage.

bert, Monday, 3 March 2003 20:19 (eighteen years ago) link

i have $70,000 - but that NZD... and i don't really care. Will pay it off when my parents die, i suppose.

Clare (not entirely unhappy), Monday, 3 March 2003 22:02 (eighteen years ago) link

I consolidated a few years ago when the interest rate was very low. The thinking is to do it when the interest rate is low then when it goes back up again you still have it low. That said, when I did it everyone said it couldn't get any lower, but it did get a bit lower, but whatever. I did it through the US govt. I would suggest that.

Mary (Mary), Monday, 3 March 2003 22:12 (eighteen years ago) link

The United States Armed Forces have great student loan payment programs. Hence my advice to you is ENLIST IN THE MARINES.

Millar (Millar), Monday, 3 March 2003 23:34 (eighteen years ago) link

The Navy, you mean to say. ;-)

Ned Raggett (Ned), Tuesday, 4 March 2003 00:12 (eighteen years ago) link

No way, dude, those pants look terrible on girls

Millar (Millar), Tuesday, 4 March 2003 00:32 (eighteen years ago) link

Millar's secret life = military porn fetishes.

Ned Raggett (Ned), Tuesday, 4 March 2003 01:40 (eighteen years ago) link

i'll swap yer puny $10K student loan for my nice big $100K student loan ...

Tad (llamasfur), Tuesday, 4 March 2003 01:45 (eighteen years ago) link

i consolidated my loans through the federal directloan program. Its good. the monthly payments are based on my salary and if I dont pay it off in 20 years they just cancel the rest ( I think)

Mike Hanle y (mike), Tuesday, 4 March 2003 05:50 (eighteen years ago) link

yeah that's the one i did -- missed that 20 yr clause though!

Mary (Mary), Tuesday, 4 March 2003 07:44 (eighteen years ago) link

Thanks for all the advice.

I have been deducting the student loan interest every year. What's this talk about a 5 year limit on that???

I'll research all my figures and try to get a better idea of what I'm dealing with first. I think for now though that I'll probably not consolidate.

Sarah McLusky (coco), Tuesday, 4 March 2003 14:15 (eighteen years ago) link

5 year limit was recently eliminated (I hate having to thank George Bush for anything).

Anyway, I think you should try to consolidate with the William D. Ford Federal Direct Loan program -- all of my astronomical law school loans are now consolidated into a low fixed subprime rate, on a note held by the Federal Government rather than a private lender. You can mess with your repayment terms as well, but that's independent of your loan consolidation. Check out http://www.dlssonline.com. It's worth it.

J (Jay), Tuesday, 4 March 2003 14:52 (eighteen years ago) link

I've only got $400 left on mine! Yippee. But the wife has approx $60000 worth left. She just got a forebearance letter saying that her $207 a month payment is now $35 for the next year. She couldn't afford to pay the full amount.

Chris V. (Chris V), Tuesday, 4 March 2003 15:24 (eighteen years ago) link

one month passes...
spectacular timing, what with the other shit going on and that, but my parents got a call from some debt people looking for me, and giving an address in finchley that i lived at 3 years ago. student loans people had passed my debt onto a collection agency, as i am apparently 25(!) months late with payments!

why it took them 25 months to find me, when all they had to do was call my phone number and say "you g, where the money at?" i'll never know! i mean, it was all deferred and that, so no payments, or at least that is what i thought. sending correspondence to an address i dont live at any more isnt great, especially as i gave them a correct address, like wtf?

anyway, they want 25 payments of £44 or something before they take legal action, so i paid them £1100 today:(

that leaves £1400 to pay, but they'll take that out at £40 a month, i'll probably bump that up though and try and pay the fucker off asap. i mean, its not terrible, i knew i had this much to pay off, but its annoying for it to get all final-noticey and that

guess i should try and do some more overtime:/

gareth (gareth), Wednesday, 30 April 2003 13:17 (eighteen years ago) link

Gareth, you used to live in Finchley?? That's not too far from me.

Can I ask a stupid question about the comments upthread? What is "consolidating" exactly. Looks like I'll be getting US student loans next year, and I'm absolutley clueless on the subject.

Nordicskillz (Nordicskillz), Wednesday, 30 April 2003 13:31 (eighteen years ago) link

So sorry, Gareth! That's horrible!

I hate my stupid student loans so much. Then one day I'm complaining to a friend of mine about them and he said, "Oh, I just didn't pay mine." Apparently, he simply never gets a tax return, but he doesn't mind just because he doesn't have to deal with mailing checks every month.

Sarah McLusky (coco), Wednesday, 30 April 2003 13:40 (eighteen years ago) link

When is the US going to get to grips with direct debit?

Ed (dali), Wednesday, 30 April 2003 13:41 (eighteen years ago) link

nordic, for some reason in the US when you get federal student loans, you have to pick a lender (I picked mine solely because I liked its name--it had nice letters!--they give you no actual information on the lenders at all, much less information on why to pick one or another). anyhow, if you have federal loans for more than a year, chances are you have a different lender for each year. because of that, you have to make payments on each loan, each month.

consolidation just means you're consolidating all the loans into one single debt, where you send in one check to one place, instead of one check to each lender.. sometimes you can also fix a lower interest rate with it, or lower your monthly payments (but ultimately pay more in interest, etc)..

the scary thing about consolidating is that you can only do it once. it's not like credit card debt, where you can bounce it around to different cards if one card's interest rates change. once you consolidate, you're stuck with that company, as far as I know.. did any of that make sense?

miriam (serrano), Wednesday, 30 April 2003 14:12 (eighteen years ago) link

Absolutely. Thanks!

Nordicskillz (Nordicskillz), Wednesday, 30 April 2003 14:18 (eighteen years ago) link

we have direct debit

Mary (Mary), Wednesday, 30 April 2003 18:32 (eighteen years ago) link

Why does nobody seem to use it then. If I had to remember to mail cheques off every month, I'd be in deep shit.

Ed (dali), Wednesday, 30 April 2003 18:37 (eighteen years ago) link

I don't use it that much, because I need to know exactly how much is in my account at any moment. If I don't have enough money in my account, I wait to pay the bill the next time I get paid instead of risking hitting Zero. So, sometimes I get late payments, but at least nothing bounces.

Sarah McLUsky (coco), Wednesday, 30 April 2003 18:41 (eighteen years ago) link

what sarah said

Mary (Mary), Wednesday, 30 April 2003 18:41 (eighteen years ago) link

how manageable are student loans? have the payments prevented anyone from getting jobs they wanted?

Maria (Maria), Wednesday, 30 April 2003 19:16 (eighteen years ago) link

Mine -- I haven't started paying them yet, cause I'm still in grad school -- are pretty manageable. I can set up whatever plan I want as far as the amount of the payment -- the less I pay per month, the longer it takes to pay off, and the more interest accrues, obviously -- so I can't see it interfering with my jobability.

Tep (ktepi), Wednesday, 30 April 2003 19:18 (eighteen years ago) link

they are manageable -- they go over a long period -- so you pay a certain amount every month--

i can't imagine payments preventing anyone from getting jobs they wanted, unless you wanted to do something relatively low paying but felt that you couldn't afford to do with large loans to pay off--

Mary (Mary), Wednesday, 30 April 2003 19:21 (eighteen years ago) link

in new zealand, you only get the student allowance for 200 weeks. if you get it at all. my 200th week was last week. so this week i was waiting for a student loan payment (which WINZ told me would arrive) to arrive to cover my living costs, and what do you know it IS NOT IN MY ACCOUNT. i have no money.

di smith (lucylurex), Wednesday, 30 April 2003 21:40 (eighteen years ago) link

This thread has made me feel immensely better about borrowing $18,500 for school next year.

Mandee, Wednesday, 30 April 2003 21:50 (eighteen years ago) link

yeah, my loans just came off deferment and i have no idea how i'm going to pay even the $75 first payment.

jess (dubplatestyle), Wednesday, 30 April 2003 21:53 (eighteen years ago) link

My student loan has gone AWOL, does anyone know how these things work? Don't they send them directly to the school? I'm so confused. Mandee how did you borrow so much money?

Ally (mlescaut), Wednesday, 30 April 2003 22:07 (eighteen years ago) link

ally i have learned that in these instances it is best not to ask.

jess (dubplatestyle), Wednesday, 30 April 2003 22:08 (eighteen years ago) link

But I can't afford otherwise :(

Ally (mlescaut), Wednesday, 30 April 2003 22:09 (eighteen years ago) link

oh wait you're still IN school! okay, never mind scratch that.

jess (dubplatestyle), Wednesday, 30 April 2003 22:09 (eighteen years ago) link

Hey, I'm in the PSLF - thanks Trump!

I had heard actually they were going to stop new enrollee's into it but if you were already in it they would let you continue. The whole thig has been poorly run - why not just reimburse the laons after each year or something nto such a long period

Dean of the University (Latham Green), Tuesday, 13 February 2018 20:56 (three years ago) link

My wife was in income-based repayment and was making PSLF-qualied payments every month, and then we got married. Apparently I make too much money and we don’t qualify for income-driven repayments now, so she can no longer participate in PSLF. So now we’re on a thirty-year “graduated repayment” plan and we’ll still be paying these when we’re sixty. Yargh. Student loans suck!

Mr. Snrub, Wednesday, 14 February 2018 07:16 (three years ago) link

hm i just realized i will be finished paying mine up at the end of trump's first term

the late great, Wednesday, 14 February 2018 07:36 (three years ago) link

am i missing something though or does the loan forgiveness thing get it exactly backwards i.e. requires payments during the least lucrative stage of your career, and then lets you stop paying once you're most likely poised to make more money

illegal economic migration (Tracer Hand), Wednesday, 14 February 2018 10:13 (three years ago) link

that s why the pslf should just pay you a payout at the end of each year not the whole term - its a stupid program but I hope it works out for me

Dean of the University (Latham Green), Wednesday, 14 February 2018 13:17 (three years ago) link

Reviewing my posts over the years in this thread, I’m in a lot better position now. Mine are paid off and my wife’s are down to 112K. The best thing we did was consolidate with Sofi. Previously we had part private, part fed loans with varying interest rates. With Sofi we locked into 4.615% on a 10 year plan. This will end up saving us over 30K in interest. Current pay off date is July 2026, which seems like it is right around the corner.

I was playing around with a loan calculator the other day to see how quickly we could pay it off if we paid a little extra each month. $100 extra would pay it off 8 months earlier and save 2K in interest. $200 extra a month would pay it off 15 months early and save $4k in interest. I feel like we are in control now instead of just barely chipping away at an obscene amount of debt.

Jeff, Wednesday, 14 February 2018 14:25 (three years ago) link

I wonder how many people refinance their mortgage, pay off student loans in the refinance with cash out and then later go bankrupt and discharge the debt which was once non-dischargeable student loan debt

Dean of the University (Latham Green), Wednesday, 14 February 2018 17:24 (three years ago) link

jeepers it's as if America wants to punish people who pursue higher education...

omar little, Wednesday, 14 February 2018 17:26 (three years ago) link

Its gotten way out of hand

Dean of the University (Latham Green), Wednesday, 14 February 2018 17:33 (three years ago) link

ask not what your country / community can do for you

reggie (qualmsley), Wednesday, 14 February 2018 18:00 (three years ago) link

at least we can own guns!

Dean of the University (Latham Green), Thursday, 15 February 2018 18:45 (three years ago) link

two months pass...
four months pass...

Why can’t the Department of Education create a website out there where I can access my profile and see who my current employer is, whether that employer is public sector, what my loan type is, and how far along I am with PSLF? Do they make it this much of a pain in the ass on purpose, because they don’t really want loans to be forgiven?

Mr. Snrub, Friday, 21 September 2018 15:14 (three years ago) link

Abrams recommends that borrowers hoping to avoid the shock of rejection after 10 years in public service file an Employment Certification Form every year. These forms, which borrowers fill out with the help of their employer and send off to their servicer for approval, are the only way for borrowers to know how close they are to having their loans forgiven under the program.

This is ridiculous.

jmm, Friday, 21 September 2018 15:25 (three years ago) link

I think your best bet is to call them, and if you relly want good service, call them twice to make sure you didnt get one of the poorly trained csr's

| (Latham Green), Friday, 21 September 2018 15:48 (three years ago) link

i got FUCKED by that program, and i did everything i could to play by the fucking rules

Karl Malone, Friday, 21 September 2018 15:51 (three years ago) link

This is why people hate the federal government.

Mr. Snrub, Friday, 21 September 2018 15:52 (three years ago) link

seven years of service for the federal government, straight out of grad school, applied for the program right away and got on a qualifying loan plan, and yet somehow when i checked in with the employment certification form (which wasn't even created by dept of Education until...2012 or so?) it turns out that 2 years of my monthly payments didn't count because, for some bewildering reason, my auto-pay was paying JUST UNDER the full payment each month, leaving a few dollars of interest each time.

Karl Malone, Friday, 21 September 2018 15:54 (three years ago) link

and who should i call to fix this situation? well, who the fuck knows, because my loans have been routed through a million different companies since i first took them out, and the companies that fucked me over are no longer in business, and all the new companies see is a history of payments that don't meet the qualifying amount

Karl Malone, Friday, 21 September 2018 15:55 (three years ago) link

IN CONCLUSION FUCK THIS FUCKING PROGRAM

Karl Malone, Friday, 21 September 2018 15:55 (three years ago) link

i was at work when i found out that i had gotten completely screwed and i almost had a complete meltdown

Karl Malone, Friday, 21 September 2018 15:56 (three years ago) link

uh, i already told this story a few months ago. i'm sorry. *disappears through the bushes*

Karl Malone, Friday, 21 September 2018 15:58 (three years ago) link

it's a horrible story, and if something that enormous and frustrating happened to me, i'd consider it worth telling more than once.

|Restore| |Restart| |Quit| (Doctor Casino), Friday, 21 September 2018 15:59 (three years ago) link

my auto-pay was paying JUST UNDER the full payment each month

Did you get an explanation for this? It sounds shady.

jmm, Friday, 21 September 2018 16:00 (three years ago) link

I sense a class action lawsuit

| (Latham Green), Friday, 21 September 2018 16:03 (three years ago) link

one month passes...

you support those troops, ms. de vos, you republican secretary of education you ; )

https://www.cnbc.com/2018/11/12/many-disabled-veterans-are-still-forced-to-repay-their-student-debt.html

reggie (qualmsley), Tuesday, 13 November 2018 00:16 (two years ago) link

one year passes...

Dumb q. but where do I look to find reasonable offers on refinancing? I know Nerdwallet, Bankrate, etc., are owned by bigger banks, and I'd pref. consult a credit union or w/e.

rb (soda), Sunday, 29 December 2019 16:38 (one year ago) link

Credible.com (nb I work there).

Martialarts Ali (Leee), Sunday, 29 December 2019 18:33 (one year ago) link

one month passes...
three months pass...

Yesterday Donald Trump vetoed a resolution passed by Congress, which would have left in place rules making it easier for students to default on debt owed to for-profit colleges that had engaged in deceptive marketing practices. The Washington Post told readers that this veto is expected to save the government $11 billion over the next decade.

Most readers may not have a good sense of how much money $11 billion over the next decade is. The government is projected to spend 60,700 billion over this period. That means the savings from this veto will be a bit less than 0.02 percent of projected spending.

Li'l Brexit (Tracer Hand), Sunday, 31 May 2020 15:27 (one year ago) link

meanwhile, the students who were fleeced by the for-profit colleges are expected to earn less than $1 billion over the next decade. (<-- which number represents a plausible fiction)

A is for (Aimless), Monday, 1 June 2020 03:16 (one year ago) link

five months pass...

Biden is not going to just wipe away like $300 billion in future government revenue from student loan payments, come the fuck on. Why do people believe this shit?

Mr. Snrub, Tuesday, 17 November 2020 12:18 (eleven months ago) link

$300b over how many years?

Li'l Brexit (Tracer Hand), Tuesday, 17 November 2020 12:20 (eleven months ago) link

If it's over the next 10 years, that's roughly .06% of projected revenues. That's six hundredths of 1%.

Li'l Brexit (Tracer Hand), Tuesday, 17 November 2020 12:28 (eleven months ago) link

I have to admire the way this has really pulled the selfishness out of people and, frankly, I'm all for even talking about it if it ends up making so many contemptible people completely show their asses. Like so many aren't even trying to couch this argument in some larger economic picture, it's flat out, "fuck you, I had to suffer and pay my loans, so does everyone else."

soaring skrrrtpeggios (jon /via/ chi 2.0), Tuesday, 17 November 2020 15:04 (eleven months ago) link

Likewise there are a lot of people who can’t think about anyone suggesting problems as anything but selfish.

The floated debt forgiveness would be both a good thing and politically/socially risky, absent any sweetener for people who didn’t go to college (often because they couldn’t afford it) or lowering college attendance costs going forward.

onlyfans.com/hunterb (milo z), Tuesday, 17 November 2020 15:55 (eleven months ago) link

wonder if there was a similar sourness by the 8th-grade educated way back when mandatory public high school became a thing. oh well. public universities in these days when people can expect to live well into their 70s and 80s should be free, full stop

reggie (qualmsley), Tuesday, 17 November 2020 16:15 (eleven months ago) link

this isn't going anywhere and dems are gonna lose so fucking bad in 2022

Give me a Chad Smith-type feel (map), Tuesday, 17 November 2020 16:18 (eleven months ago) link

Honestly I'll be happy if they only end up getting rid of interest on student loans.

soaring skrrrtpeggios (jon /via/ chi 2.0), Tuesday, 17 November 2020 16:27 (eleven months ago) link

nationalizing Harvard & using its stupid endowment toward canceling student loan debt would be a good start

All cars are bad (Euler), Tuesday, 17 November 2020 16:35 (eleven months ago) link

ten months pass...

“Some payments, for example, didn't count toward forgiveness because autopay programs rounded the payments down instead of up to the nearest penny” are you fucking kidding me?

https://www.cnbc.com/2021/10/06/dept-of-ed-announces-public-service-loan-forgiveness-program-changes.html

Mr. Snrub, Tuesday, 12 October 2021 09:22 (one week ago) link

god, i'm afraid to search for my posts upthread

typo hell #12: a hundreds of millions of people (Karl Malone), Tuesday, 12 October 2021 09:24 (one week ago) link

i'm very heartened by the recent announcements, though. i was screwed out of multiple years of payments, that, at the time, were deemed "ineligible". it would be a huge deal for my qualifying payments to bump from 4 years up to 7 years (out of the 10 you need). i'm not going to go do it now, but i could put it 3 more years of public service, some time, and it would mean everything to get $75K of loans forgiven

"forgiven": FUCK THIS LANGUAGE

typo hell #12: a hundreds of millions of people (Karl Malone), Tuesday, 12 October 2021 09:26 (one week ago) link

just have to say, "forgiven": FUCK THIS, that these are the terms

typo hell #12: a hundreds of millions of people (Karl Malone), Tuesday, 12 October 2021 09:26 (one week ago) link

i'm asking for forgiveness, for this thing that has been a giant albatross on my life and has FUCKED me

typo hell #12: a hundreds of millions of people (Karl Malone), Tuesday, 12 October 2021 09:27 (one week ago) link

Reviewing my posts over the years in this thread, I’m in a lot better position now. Mine are paid off and my wife’s are down to 112K. The best thing we did was consolidate with Sofi. Previously we had part private, part fed loans with varying interest rates. With Sofi we locked into 4.615% on a 10 year plan. This will end up saving us over 30K in interest. Current pay off date is July 2026, which seems like it is right around the corner.


Two and a half years later, down below 50k. Considering we started north of 150k, so close now. Refi’ed a couple of more times since this last post, down to 3.19%. Thanks Jay Powell.

Jeff, Tuesday, 12 October 2021 12:32 (one week ago) link

wow. well done!

Tracer Hand, Tuesday, 12 October 2021 13:35 (one week ago) link


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