If you're a long term reader of my journal you know that every January the Student Loan people start hassling me. This time I came prepared with economic hardship deferments. Naturally this year they changed it and added in a baffling 'work sheet' that seriously you have to be an account to figure out so I call them and was told I don't need the worksheet. that's just for my reference (yeah, if I can figure it out) So I foolishly ask 'how much are the interest payments? maybe I can get you that much ' (My lawyer wants to see good faith payments out of me). 1,340$. I said WHAT? But my full payment is only 1370. ANd she goes 'yes,' as if to say so what. I point out that they are only asking THIRTY dollars of principal from me on 200,000$ loan. Then asked her just how long did they think I would live because at that rate, even without interest, a human life span wouldn't be long enough.
She ponders this then doesn't really answer. I further point out that they've been giving me economic hardship deferments for 12 years now and that they would ALWAYS been asking for more than 20% of my salary a month and if they would just let me pay SOMETHING they would at least get a little money. She says, 'we do have a income sensitive plan' Uh what? Apparently all this time there HAS been a plan but no one has told me. In fact I can't apply until THIS deferment runs out (I had to take the deferment since they lost the first application and my HR sent the wrong monthly salary to them and as a result two months late fees have already accumulated and is more than my bank account) and I'm to not even HINT to them that I'm going to try this because it might be blocked.
Thank you Federal Loans.Rot in hell.
And I'm feeling weird today. I'm finally NOT snotty but now i'm ice cold and can't get warm and my belly keeps throwing up my pills into my throat. Gah. Why?
And as if to make up for all the great students last semester my non-major class is already SLEEPING on the tables and no less than six missed the lab yesterday, yeah the lab I told them they could NOT miss. Oh this semester is going to be a joy
She ponders this then doesn't really answer. I further point out that they've been giving me economic hardship deferments for 12 years now and that they would ALWAYS been asking for more than 20% of my salary a month and if they would just let me pay SOMETHING they would at least get a little money. She says, 'we do have a income sensitive plan' Uh what? Apparently all this time there HAS been a plan but no one has told me. In fact I can't apply until THIS deferment runs out (I had to take the deferment since they lost the first application and my HR sent the wrong monthly salary to them and as a result two months late fees have already accumulated and is more than my bank account) and I'm to not even HINT to them that I'm going to try this because it might be blocked.
Thank you Federal Loans.Rot in hell.
And I'm feeling weird today. I'm finally NOT snotty but now i'm ice cold and can't get warm and my belly keeps throwing up my pills into my throat. Gah. Why?
And as if to make up for all the great students last semester my non-major class is already SLEEPING on the tables and no less than six missed the lab yesterday, yeah the lab I told them they could NOT miss. Oh this semester is going to be a joy
