VENT THREAD

View previous topic View next topic Go down

VENT THREAD

Post by Ambitious_Tiff on 18th February 2011, 4:08 pm

I am so tired of people telling me I am harsh because I have no pity for the FISCALLY IRRESPONSIBLE. You're damn right, I DON'T. DO NOT call my extension crying, cursing, or otherwise acting like an IDIOT because the NON PAYMENT of your student loans has finally caught up to you. If your TAXES have been OFFSET, you WAGES have been GARNISHED, or you are BEING SUED, I CANNOT HELP YOU!! The Government has deemed this action NECESSARY because YOU DID NOT PAY for a MINIMUM of 9 MONTHS STRAIGHT! YES, I have a very cut and dry attitude about this. I don't care how old you were when you took out your student LOANS. You know you have to pay a LOAN back. Saying "No one explained to me how students loans worked" is a cop out and I am tired of hearing it. Maybe if you had read the materials to get the loan before you signed them, you wouldn't be having this problem. Perhaps if you checked your credit, you would have known the loans were delinquent. MAYBE just MAYBE, if you had decided that you weren't above paying your debt, you would have your tax refund. DO NOT EVEN FIX YOUR MOUTH TO ASK ME IF THIS IS LEGAL! YES, YES, AND YES IT IS!! You owe the money and now extreme measures are being taken to COLLECT on a long owed DEBT. Of course they are unwilling to work with you at this point. What do you expect?! You have IGNORED the calls of your lender/guaranty agency, thrown their letters in the TRASH, and DODGED them in every way imaginable. The time for diplomacy has passed. PAY UP, SHUT UP, & GET OFF MY PHONE!! Evil or Very Mad
avatar
Ambitious_Tiff

Posts : 974
Join date : 2010-12-02
Age : 31
Location : Montgomery, AL

View user profile

Back to top Go down

Re: VENT THREAD

Post by Lynnieluve on 18th February 2011, 4:17 pm

lol!

HAPPY FRIDAY!!! Laughing

_________________
Self BC: August 9, 2009
"God will never put more on you than you can bear"

My Curl Street Journal

My Fotki

My Youtube Channel
avatar
Lynnieluve

Posts : 8638
Join date : 2009-10-30
Age : 39
Location : Mississippi

View user profile

Back to top Go down

Re: VENT THREAD

Post by BajanPrincess82 on 18th February 2011, 4:45 pm

Breathe girl, breathe! lol. Anyway, your hair is cute in you avatar!
avatar
BajanPrincess82

Posts : 910
Join date : 2009-10-25
Age : 35
Location : Houston, TX

View user profile

Back to top Go down

Re: VENT THREAD

Post by Atasteofcaramel on 18th February 2011, 4:53 pm

Breath, hey my student loan company is calling me and I dont know what to tell them but 'Ummm when I get some money you will get some" but if the clothes on my back cant be used towards my loan then I cant help you.
avatar
Atasteofcaramel

Posts : 55
Join date : 2011-02-15
Age : 33
Location : washington DC

View user profile

Back to top Go down

Re: VENT THREAD

Post by Ambitious_Tiff on 18th February 2011, 5:06 pm

@LynnieLuv
These people are insane and trying to take me with them. Hehehe, Happy Friday. Thanx. Maybe it will end quickly and painlessly.

@BajanPrincess
Thank you! You're looking fly as usual.

@ Atasteofcaramel
Please do not default on your student loans. It only jacks up your credit and ends up costing you more. Request an economic hardship deferment or a forbearance. If you granted forbearance be aware that they may not completely take away your payment but they can possibly lower it to something more affordable.
avatar
Ambitious_Tiff

Posts : 974
Join date : 2010-12-02
Age : 31
Location : Montgomery, AL

View user profile

Back to top Go down

Re: VENT THREAD

Post by BajanPrincess82 on 18th February 2011, 9:29 pm

@tasteofcaramel - I agree with ambitious_tiff. Try to get a deferment so that you don't jack up your credit. Its not worth it in the long-run. When I was getting my master's degree I got a deferment but still paid on my loans (when I could) and it made a huge difference.
avatar
BajanPrincess82

Posts : 910
Join date : 2009-10-25
Age : 35
Location : Houston, TX

View user profile

Back to top Go down

Re: VENT THREAD

Post by Atasteofcaramel on 18th February 2011, 9:34 pm

@ ambitious_tiff and Bajanprincess82 some of them I have defered but there are some that I can't so there is noting I can do. Ive tried to explane to them that I am looking for a job and have little extra money and ther were like ok. At this point there is noting I can do. Ive tried everything. It's not like I want it to be this way it just happend that way
avatar
Atasteofcaramel

Posts : 55
Join date : 2011-02-15
Age : 33
Location : washington DC

View user profile

Back to top Go down

Re: VENT THREAD

Post by Ambitious_Tiff on 18th February 2011, 10:05 pm

If your student loan payments are more than 20% of your income they can grant you a mandatory forbearance. You have at least 6 years worth of deferment time if you are in hardship. You get 3 if you can't find a job and 3 if you're just in a "hardship status". If all else fails, you can consolidate and your deferment and forbearance time will start over. Just a thought. Trust, there's always a way out.
avatar
Ambitious_Tiff

Posts : 974
Join date : 2010-12-02
Age : 31
Location : Montgomery, AL

View user profile

Back to top Go down

Re: VENT THREAD

Post by MissyCee on 18th February 2011, 11:05 pm

Well, nicely said Tiff???? Didn't know you had it in ya!!! But, way to go lady!! And looking all fly while doing it!!!
avatar
MissyCee

Posts : 551
Join date : 2010-10-26
Age : 52
Location : Virginia

View user profile

Back to top Go down

Re: VENT THREAD

Post by FalconTress on 19th February 2011, 12:02 am

Atasteofcaramel wrote:@ ambitious_tiff and Bajanprincess82 some of them I have defered but there are some that I can't so there is noting I can do. Ive tried to explane to them that I am looking for a job and have little extra money and ther were like ok. At this point there is noting I can do. Ive tried everything. It's not like I want it to be this way it just happend that way

If you have not already done this, please make sure that you communicate your circumstances in writing and keep copies for your files. I pray that your situation changes soon.

FalconTress

Posts : 477
Join date : 2010-08-30

View user profile

Back to top Go down

Re: VENT THREAD

Post by CurlyShiina on 19th February 2011, 12:03 am

I hate that everyone is bitching at Esperanza Spalding (A REAL musician) for winning a grammy. Rolling Eyes
avatar
CurlyShiina

Posts : 8
Join date : 2011-02-18

View user profile

Back to top Go down

Re: VENT THREAD

Post by QuirkyCurly on 19th February 2011, 1:08 am

CurlyShiina wrote:I hate that everyone is bitching at Esperanza Spalding (A REAL musician) for winning a grammy. Rolling Eyes


+1

I'm sick of them talking about her "wacky" hair too! They don't know anything about natural hair smh
avatar
QuirkyCurly

Posts : 189
Join date : 2010-05-08
Location : Michigan

View user profile

Back to top Go down

Re: VENT THREAD

Post by TXCHOCLTE on 19th February 2011, 1:19 am

My undergrad degree was a pretty useless & expensive one...I owe more in student loans than most jobs are willing to pay...but guess what, I ain't worried, they'll get it when I get it, lol...I must vent about all of these homemade recipes...why is it necessary for you to have FIVE different oils in one recipe?
avatar
TXCHOCLTE

Posts : 36
Join date : 2010-08-12
Age : 45
Location : Arlington, TX

View user profile

Back to top Go down

Re: VENT THREAD

Post by Keisha on 19th February 2011, 4:53 am

I've been deferring my student loan for about 4 years now. I plan to pay it off as soon as I finish nursing school and find a jo *pinky promise*.
avatar
Keisha

Posts : 237
Join date : 2009-10-24
Age : 33
Location : Long Beach, California

View user profile

Back to top Go down

Re: VENT THREAD

Post by Ambitious_Tiff on 21st February 2011, 3:20 pm

@ Txchoclte
I think I know who will have the last laugh in that one... I'm sorry you feel your degree was useless though. Crying or Very sad

@Keisha
I said the same thing. I plan to participate in the Public Service Loan Forgiveness program... Hopefully it'll still be around when I graduate, lol.
avatar
Ambitious_Tiff

Posts : 974
Join date : 2010-12-02
Age : 31
Location : Montgomery, AL

View user profile

Back to top Go down

Re: VENT THREAD

Post by Sponsored content


Sponsored content


Back to top Go down

View previous topic View next topic Back to top

- Similar topics

 
Permissions in this forum:
You cannot reply to topics in this forum