Give up pslf for firm?
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Poast new message in this thread
Date: June 27th, 2017 10:34 AM Author: spectacular alcoholic hell electric furnace
I work for a non federal government in the DC area doing employment law. I make around 93k, work 9-5 M-F, don't work after those hours, don't have a work phone even, and telecommute one day a week where I basically do nothing. The job is cush. But it's a dead end job, have been passed over for promotion, and have limited if any career advancement prospects. Because I barely work, I'm not gaining a ton of experience. That said, I have 200k in federal loans. I'm four years into the PSLF program, so six years to go to freedom. I pay about 600 per month for those loans. I also have private undergrad debt of about 80k that I can't afford to pay so my dad pays the 650 bill each month. Life is decent but my wife and I are always stretched for money, our house is tiny and god knows how we'll afford a bigger house when we add another kid to the mix. My wife's parents live three miles from us, which is nice for emergency babysitting etc. It's a nice area too.
A buddy works at a large but not super prestigious firm in Charlotte and is trying to get me to join. Tentative offer would be 165k, title of Of Counsel, and decent bonus options based on reasonable billables. To pay off my fed loans in same amount of time my montjly payment would balloon to over 3k per month. I'd work a lot more than now and I'd see my son a lot less presumably. But it would offer career advancement options, even if I don't stay with the firm for more than a few years. And the money situation would be better and I could decide to pay my loans off over more time if needed. I've never been to Charlotte and don't know how I'd feel about moving. It'd be a big change at least. Could get a real house though.
Eventually I'd like to move in house as an employment lawyer somewhere. I basically do that now but for a government. Not sure how marketable I would be in six more years at my current job though.
Thoughts? Worth the increased risk for the money and possibly better long term options? I live a good life now but money situation sucks and I generally dislike my job as unfulfilling.
(http://www.autoadmit.com/thread.php?thread_id=3659663&forum_id=2#33652114) |
Date: June 27th, 2017 11:11 AM Author: orchid garrison
Stay in D.C. for plsf. The regret you'd feel throwing that benefit away and staring at your due student loan balance while a partner yells at an of-counsel who doesn't know how to do much at 9 pm on a Saturday would cause me to killself.
Gun for bigfed. Takes time, sure, but you can get something with your skill set.
I paid off 200k in biglaw before going to the government fwiw.
(http://www.autoadmit.com/thread.php?thread_id=3659663&forum_id=2#33652326) |
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