(1000+ posts) 23. ...in a very similar dinghy, rowing right there with ya!
Edited on Thu Jun-23-11 10:53 PM by FirstLight
I was 22 when I had to go back to school, after being abandoned by my husband (we were both just kids, i know) and having a baby alone.
Since I was on welfare and struggling to do the right thing with school, or not being able to hold jobs when being a mom and student - i spent a good 6 years on welfare & food stamps, and student loans were my tax-free and welfare free way of having disposable income. I admit, i was young and stupid, and the financial aid lady told me more than once to go for the full amount, since "by the time you get done with school, the payments will be EASY..."
student loans pout studded tires on my car for winters, furnished my apt with cheap but okay stuff, and helped me make my son;s early years not so poverty ridden as they could have been.
so it took me 4 years to finish my AA...i got a good job and was okay for a few years...by 2000, the shit had hit the fan. I was really lacking a BA for a real career (which, I have to say i was still trying to figure out)...I had hit 30 and was unable to say I had a grip on how i was going to provide for my son for the rest of his formative years. I tried to go back to school, but the closest university was an hour away, and i was always fighting my parents on the reality of leaving my son in daycare or trying to drive and put myself in jeopardy in bad weather...
so i dropped out after one semester
and then the loan people came calling
my principal was about 17K, over 21K with interest
i was good about filling out the paperwork every year to defer
until i could get a grip, which was not forthcoming really, did some temp work, but really struggled...and this time school was not even an option,(no qualification for a loan or a grant at this point) which sucks, because if I had my way i would be in school for life, i love it.
so i stumbled a bit and had another distracting bump in my road of life...ya, don't go there...
fast forward three more years - and I left my abusive ex the day after my 34th bday
with 2 more babies no less
of course since survival had been my life, filling out loan paperwork had not been happening
now i was in default, a whole new ballgame
I called the dept of education, the supposed holder of the loan, who had hired out a nasty credit agency pof course
nope $350/mo min pymt, no ifs ands or butts
i was on welfare and hadn't held a job in years and was in serious therapy for a year just to get stable...
"so what?"they said
I even went so far as to research online and ended up contacting the DOJ
about abused women's protections
and that there should be a bill to pardon these kinds of circumstances
, or grant women a stay of execution for 3-5 years..
never got a call back never got anywhere but mired in the maze and whatever letters i sent went unanswered, all i ever got was a statement
and a payment return envelope
Now i live with the fact that each year my taxes will be gone to pay the dept of ed
i am supposed to qualify for an EIC, but they take it out of one packet, and put it in the other...right in front of me
sorry for thinking that if i am poor enough to qualify for the EIC, i may just NEED it more than they do.
oh but there's bombs to buy and people to maim
ya, love how that works, don'tcha?