Tag Archives: student loans

Sallie Mae AKA The Wicked Witch of the East

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Sallie Mae AKA The Wicked Witch of the East

Dear fellow students, former students and future students:

Please note the following things:

    k

  1. When consolidating your student loans be advised *as they will not advise you* that you need to get a 3 month forbearance while said consolidation is being completed;
  2. When you apply for consolidation, all grace periods become null and void;
  3. Sallie Mae is the fucking Antichrist and when Direct Loans consolidates all your loans into one big giant cesspool of fucking BS; they sell it BACK to Sallie Mae for management;
  4. Make sure you read that loan summary reaaaaalllyyyyy fucking carefully, because if you don’t know exactly how much you owe because of interest and capitalization and it’s a huge number anyway,  it’s really easy to miss 30gs.
  5. IF YOU HAVEN’T TAKEN STUDENT LOANS, DON’T.
  6. FUCK COLLEGE.
  7. Fuck Grad School.
  8. Join the military.
  9. Or the circus.
  10. Or keep bartending;
  11. Or learn Spanish and move to Costa Rica and open a house of ill repute.

 

That’s what I should have done. Yep.

ughhhhhhhhhhhhhhhhhhh

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ughhhhhhhhhhhhhhhhhhh

I’ve come to the point in my academic career where I am three weeks from being DONE unless I want to be a doctor (I do not.) And while I can see the light at the end of the tunnel, I can’t seem to bring myself to close the gap. I am just done. It’s like I am halfway up the stairs to some magical f**king Nirvana and out of breath and just don’t give a sh*t anymore. Screw enlightenment. From conversations with most of my fellow classmates, this seems to be a general consensus;  however the fact that my apathy is shared does not push me through this ONE. LAST. WRITING. ASSIGNMENT.

And I know others are spending day after day, hour after hour working tirelessly on this same assignment that I will put much less work into for probably the same grade.

Bring on the guilt.

I find myself wasting time doing other things that I rationalize have to do with my assignment, like creating a cover page that has fancy stuff on it for my portfolio or coming up with amazing acronyms for the name of a program….Or going on Facebook to ask an opinion on wording when lo and behold it has been 2 hours and I haven’t accomplished anything besides getting lost in the timesuck.

Then I feel guilty.

So to get myself back in the right head space to critically self reflect and develop myself as a professional, I come onto this blog and write a new post or a poem or whatever else I can do to keep my ass in this seat sort of focused on coming back to this stupid assignment…

AND SURPRISE  I feel guilty for sitting on my ass. So I go do some burpees cause I said I would and I do some yoga, then I remember I need to flip the laundry and I haven’t eaten today and then a kid needs something like to be fed or paid attention to or clean underwear or someone texts me or calls me or I check my email to see if someone wrote me saying HEY!!!!! COME WORK FOR US NOWWWWWWWWWWW….then when they haven’t I decide to distract myself with some Game of Thrones or turn on slacker to lament out loud with rhythm and the pretend impressionistic stylings of me as Lily Allen or Amy Winehouse or Nina Simone…..then I walk past the desk and see my dry erase board with its giant letters that say:

TRANSFER SUMMARY DUE 5-31-13

PORTFOLIO DUE 6-5-13

TAKE HOME EXAM DUE 6-6-13

And I feel guilty so I sit my big ass back down at the desk.

I do some amazing work for a few and then decide to check on craigslist and the state website for any new job postings because:

I need a muthatruckin J-O-B!

Like a month ago I need one. And I don’t have one. I have so many bills due in like 2 weeks. OMFG

And the student loans….the student loans are enough to make me contemplate skydiving.

So I feel guilty.

Boo. Guilt is a worthless emotion and has not inspired me one iota to take care of business.

Onward.

resume schmesume

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resume schmesume

It’s that inevitable part of ending graduation….that time every one without a trust fund dreads……JOB SEARCH….

I have redone my resume 34,384,574,857,045 times with 2,384,973,048 different people telling me I need to redo it. But luckily, I have a pretty awesome BGBF who  loves me enough to have worked mine over like racehorse on his weekend and whipped it into sexy shape. All on one snazzy page. HUZZAH.

So today I filled out 15 applications, including cover letters and endless inane questions asking me to provide rationale, answers, education, and experience with the name of the organizations I worked at during those experiences to prove I know how to blow my nose and tie my shoes and encourage others to do the same, in an appropriate manner.

OY.

Holy Moly. I hope I get a job.

Don’t they understand I am an indentured servant? I have a house worth of loans! I am owned by the man!

I will work! I have to work! Let me work! PLEASE……

Not that I am desperate….yet…..

I was even asked in an application if I am an “expert in determining precipitating events.”

Um, no. Is that even an actual expertise? I know what one is but…..I’m not training to be on “Criminal Minds”….

I digress.

What did I get into!

Wish me luck lovers.

Mama needs to pay off these shoes….

And….here….we….go!

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And….here….we….go!

I had my first supervision with my new supervisor today and I would just like to say upfront that I am pretty effing stoked about this new placement. Not only do I get to do community based social work that is essentially training me for my dream job, but I also get to do a lot of clinical work that I was afraid I would not be able to do because of the stupid track system at my grad school. We have to pick direct service, administrative or community based as our focus final year; I chose community based because of the future jobs that I want and my lack of professional experience in that venue. I had been pretty disappointed in that choice for the first few months of this year but now that I have this magical hybrid placement; I am pretty stoked. I feel good about my job prospects. I may not even have to move.

Moving is something that I feel like I should do, it’s my natural tendency to retreat back to my homey home when I am hurting and needing to regroup. However, that pattern never seems to work for me. I am not sure yet. The networking and opportunities here may outweigh the perceived benefits of running away home, Jack.

I digressed. Oh well.

I shall continue to digress in saying the following: the next few months are going to be different for me emotionally, financially, etc. My relationship is in transition (to what I am not sure), my sex life will be in remission, my formal education is ending, my $2,837,402,384,702,384,720,384 in student loans will be coming out of deferment,  my 2nd professional life will be beginning, and both of my kids will officially be teenagers in 3 months.

So you may read some vague posts here and there.

You may read some cryptic, sad, manic, or even downright dirty poetry.

You may feel that I am yelling at YOU specifically; but I won’t be.

I am just going to therapize myself through this blog and lucky you! You get to come for the ride.

You may want to take some Dramamine.

No really. I mean that.

XOXO

In the next 10 years, I want to:

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In the next 10 years, I want to:

Do lots of things. Duh.

But specifically, the things I want to do and the places I want to go are as follows….Anyone wanna come with?

  1. Put a down payment on my land and buy atleast 5 of these tumbleweed houses to put in a circle.
  2. Build a labyrinth:                                                                                              
  3. Start my garden.                                                                                      
  4. Buy a couple of these:                                                                              
  5. And these:                                                                                                       
  6. And these:                                                                                                          
  7. And some of those:                                                                                          
  8. And these:                                                                                                          
  9. these:                                                                                                      
  10. these:                                                                                                      
  11. Oh yeah these:                                                                                        
  12. and those:                                                                                                            
  13. Start paying on these and get the rest forgiven magically:                            
  14. Swim here:                                                                                                    
  15. And here:                                                                                                              
  16. And here:                                                                                                              
  17. See this:                                                                                                  
  18. Do this:                                                                                                                
  19. Change this:                                                                                            
  20. Look like this (only different of course):                                                     
  21. Look like this (only different of course):                                                             
  22. Figure out what its like to be an adult without minor children.
  23. Go here:                                                                                                  
  24. Go here:                                                                                                  
  25. Go here:                                                                                                  
  26. Write a book.
  27. Have a gallery show.
  28. Advocate for this:                                                                                      
  29. Do this:                                                                                                            
  30. Possibly move here:                                                                                           
  31. Survive this:                                                                                                
  32. Get this:                                                                                                    

That’ll do pig, that’ll do.

Yeah. I think that is all for now….But I reserve the right to add more. Cheers, interweb friends.

Student loans: A love/hate relationship

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While I love the fact that student loans allow me to comfortably continue my education, I hate the fact that they aren’t as easy to maintain as they would like you to believe. Everyone says that as long as you keep them abreast of what’s going on in your life, you know personal, emotional, physical, educational, familial (as in cousin’s sister’s mother’s brother’s wife’s second cousin’s uncle’s mother’s maiden name), sexual, etc. everything is ALL GOOD.

Not true!

MAY 2011:

When I withdrew from one Master of Social Work program in one state to attend another in a different state, I called the National Student Loan Database 800 number of God. Mind you this call was made 7.5 MONTHS BEFORE MY LOANS CAME OUT OF DEFERMENT. I said something to the effect of “Hey! This is whats going on! I am going from a semester program to a quarter term program and to line up my classes with theirs I have to wait until Winter term because they are taking classes I have already taken this fall. Ergo, I will be a month outside of my grace period before I start school again. I’m letting you know now so that I can get the deferment extended or something, whatever it is you Almighty Student Loan Gods can do.”

To which I was told, “um yeah like there is nothing we can do until the month your loans come out of deferment so like call us in November. But yeah I will totally note your account so when you get your new address get it to us cause its like totally bad for you to move and not tell us. blah blah something else that is useless”

Uh, yeah, dumbasses. Like I am going to call to tell you this but try to screw you on where to send my statements.  I am not done with school. I need you to like me for now. F**K

I digress.

NOVEMBER 2011:

I, doing my due diligence, call them up. In fact, I called every single one of my individual lenders and explained it to them. They all seemed to understand and said that they would push it back until after the “census date” at my new school but that I needed to also call the National Student Loan blah blah blah and sacrifice a goat in the full moon and spread the blood all over my undergrad degrees to satiate them so that my magical forbearance would go through and mail/email/fax them proof of said ritual. Done. 3x. Literally.

Fast forward a month:

DECEMBER 2011:

I get an email that says you owe $75239785629374650345645.14 on January 7th, 2012.

This is me:

http://www.hulu.com/watch/12844/home-alone-after-shave

So I call them and very calmly explain that I am trying very hard to remain calm as a Hindu f**king cow but that if they do not help me when I have been on top of this and doing EVERYTHING they have asked almost a year ahead of time, jumping through every flaming and increasingly smaller hoop they have placed before me, that I am going to freak the FUCKKKKKKK out.

The ESL customer service clerk/hoop holder I spoke to immediately transferred me to a supervisor. Ha.

Said supervisor said no problem! I see what you are saying, HOWEVER, we never received the proof of sacrifice you made last month AKA inschool deferment form. *mind you I sent this form in triplicate*

So I say ok, send me another! She does and I fill print it out, sign it, scan it and the required proofs, faxing it to them and to my school so my advisor (who I was told needed to sign it since it is going to be arranged before the census date). Bullet dodged.

Or so I thought.

Yesterday, I get an email from my advisor saying she is not allowed to sign them, that she forwarded it to the appropriate parties to sign it and fax it to Texas. (of course, it ends in Texas. FML) So i am like ok, no biggie, sweet deal.

Then today I get an email, saying that my forbearance was denied on 2 of my 3723789465934 loans (cause they have all been sold to various lenders thank you Sallie Mae you whore) payment in the amount of $39475028450 is still due January 7th, 2012 and if I miss that payment I will not receive my Spring term payments and they will tell the credit agencies and I will not pass go, not collect $200 and will not get into Heaven. I figure “oh, they are just missing each other in the mail or the system, whateva…..”

Then about 5 hours ago I get a phone call from the school official that is supposed to be signing my form and faxing it to Texas. He says that by CONTRACT with the National Student Loan Clearance House he is not allowed to sign said form and that I will just have to make a payment before the census date makes me deferred again.

Are you fucking kidding me?

I am not even censoring myself at this point in my head I am calling him everything but a brave human man.

In real life I say “ok. Thank you for your help.”

I hang up phone and die inside.

Then I call the Almighty 800 number, pull my bitch card and cry to the student loan people. Literally, like the 16 year old girl who just got pulled over for the first time; only I really meant it. BAWAWHAHWHAHHWHHAHHWHHAHHW sob sob. This person is helpful, says she was in a similar situation and IMMEDIATELY approves me for a forbearance until 3-1-2012. (allegedly) I hang up, hope she pushes the right button on the computer cause I am positive that is all it takes and I make peace with the knowledge that I have literally done ALL THAT I CAN.

I decided it’s the f**king I get for the f**king I got, and went on with my day, then the guy from the school who couldn’t sign my form calls back. Says he talked to a few people and because of my grades and harassment and that I am registered for so many classes (uh, only full time for a grad student…) that he is going to go ahead and do it this one time so that I can continue my “new start” at their school.

Yay.

Hopefully it is all good now.

I doubt it.

Can I get a collective F**K student loans now? gees.

Praise  sweet ancient baby alien space monkey Jebus.