Today I actually got to speak to a nice person at Citibank. Yes, it truly took me off guard. I was ready to do battle. It turns out the new monthly payment of $1,805.31 was a mistake. I told her this little mistake about gave me heart failure.
It also turns out I have something called a Lender Option Forbearance available to me. So when my current forbearance expires I will be going on that since I still won't be able to afford my payments. Ugh!
Hopefully I can find a new job soon. A job with a living wage, imagine that. Hmmm, $97,000 in student loans. You would think it would be possible after all my education, but no. I went to art school. I have a degree in painting. I should shoot myself and get it over with.
If I knew then what I know now things could be different. STUPID, STUPID, STUPID!
Oh well. Where did I put that bottle of gin?
25 April 2006
24 April 2006
21 April 2006
Evil Student Loans
Okay I have a tremendous student loan debt. It's greater then my salary will ever be. I can't afford to make payments as of yet. I have no idea as to when I'll be able to. I have used up all my deferments and forbearances. However, according to the formula that determines whether you qualify for an economic deferment I still qualify. (It’s a convoluted menagerie of add this, subjact that, times this, divided by, etc., etc.)
However, one is only allowed to have three economic deferments. I have had four. I am not being given another. Currently I am on an emergency economic deferment. It last six months.
I have spoken to one moron after the next at the company that services my loans. They have informed me that I have no options and that I must pay my debt. I tell them that I would like to pay my debt, but I cannot. I add that y'all have my paper work. You know what I make. You see by your formula I still qualify. They say, yes, but you can't have anymore and that I was already given an extra hardship deferment. So, I now need to pay.
I say, yes, but I DON'T HAVE THE FUNDS TO DO SO! They say, my loans will go into default, which will go on my credit record, and then they will garnish my wages and social security. I say, great! So, you will destroy my credit and take away the funds I need to live on. Well, let's see here. I lose my car because I can't make the payment on my note and then I lose my apartment because I can't afford the rent (this is why I haven't bought a house yet, I knew this was coming). Therefore, I eventually will lose my job because I can't bathe and I will STINK!
They say (after a pause), well you need to be responsible and pay your debt. I say, YOU FRACKING MORON, IT'S NOT RESPONSIBLE TO DESTROY SOMEONES LIFE WHEN IN THE END YOU STILL WON'T GET A FRACKING DIME! (click –phone goes dead)
This is what I have been dealing with the past year. So my emergency hardship deferment expires in a couple months and I have to apply for another. It is up the discretion of the company whether to give it to me or not.
Last month I receive a letter stating my servicer is transferring my loans to another company. In this case, CitiBank. I called them to find out if I have any options. Well, again the above written paragraphs are what I got. So nothing changed.
I got home from work today and found a letter from CitiBank stating when my deferment ends my payments will be $1,805.31! I about had a stroke. Hello people, I went to art school! I am a creative individual, not doctor!
The last company I was with my payments were to be $695.00 and that was on the graduate increment payment. I believed it was the maximum it would go. Now this. WHAT THE FU@#!
I decided instead of calling them right there and then in my heated state of mind I would go for my six mile walk and burn off some steam. It didn't help. Oh, there was a cute guy that I said hello to a couple of times that took my mind off it all for a few moments, but it didn't help. I think I am going to wait until Monday to find out what this is all about. BASTARDS!
I said this before and I'm going to say it again. The Vortex of Goo is EVIL! It is sending out the big guns to destroy me, to make my life as hellish as possible so I cannot make a transition easily. This makes number two. I wonder what number three will entail?
However, one is only allowed to have three economic deferments. I have had four. I am not being given another. Currently I am on an emergency economic deferment. It last six months.
I have spoken to one moron after the next at the company that services my loans. They have informed me that I have no options and that I must pay my debt. I tell them that I would like to pay my debt, but I cannot. I add that y'all have my paper work. You know what I make. You see by your formula I still qualify. They say, yes, but you can't have anymore and that I was already given an extra hardship deferment. So, I now need to pay.
I say, yes, but I DON'T HAVE THE FUNDS TO DO SO! They say, my loans will go into default, which will go on my credit record, and then they will garnish my wages and social security. I say, great! So, you will destroy my credit and take away the funds I need to live on. Well, let's see here. I lose my car because I can't make the payment on my note and then I lose my apartment because I can't afford the rent (this is why I haven't bought a house yet, I knew this was coming). Therefore, I eventually will lose my job because I can't bathe and I will STINK!
They say (after a pause), well you need to be responsible and pay your debt. I say, YOU FRACKING MORON, IT'S NOT RESPONSIBLE TO DESTROY SOMEONES LIFE WHEN IN THE END YOU STILL WON'T GET A FRACKING DIME! (click –phone goes dead)
This is what I have been dealing with the past year. So my emergency hardship deferment expires in a couple months and I have to apply for another. It is up the discretion of the company whether to give it to me or not.
Last month I receive a letter stating my servicer is transferring my loans to another company. In this case, CitiBank. I called them to find out if I have any options. Well, again the above written paragraphs are what I got. So nothing changed.
I got home from work today and found a letter from CitiBank stating when my deferment ends my payments will be $1,805.31! I about had a stroke. Hello people, I went to art school! I am a creative individual, not doctor!
The last company I was with my payments were to be $695.00 and that was on the graduate increment payment. I believed it was the maximum it would go. Now this. WHAT THE FU@#!
I decided instead of calling them right there and then in my heated state of mind I would go for my six mile walk and burn off some steam. It didn't help. Oh, there was a cute guy that I said hello to a couple of times that took my mind off it all for a few moments, but it didn't help. I think I am going to wait until Monday to find out what this is all about. BASTARDS!
I said this before and I'm going to say it again. The Vortex of Goo is EVIL! It is sending out the big guns to destroy me, to make my life as hellish as possible so I cannot make a transition easily. This makes number two. I wonder what number three will entail?
19 April 2006
New Picture Albums Added
I finally put together some picture albums. The links to them are on the right of your screen.
The images are so, so. My digital camera only holds six images at the best setting and my memory card is damaged. I have taken most of the pictures using the lowest setting so I don't have to keep running home to download the images.
At a later date I plan to upload a better selection of images, but for now this will have to do.
Enjoy.
The images are so, so. My digital camera only holds six images at the best setting and my memory card is damaged. I have taken most of the pictures using the lowest setting so I don't have to keep running home to download the images.
At a later date I plan to upload a better selection of images, but for now this will have to do.
Enjoy.
13 April 2006
Evil Insurance Companies
I just received a telephone call from my dentist. Apparently I owe $722.73. My last procedure was last year and now I receive a bill? They also set up an appointment for a cleaning this coming Tuesday.
My place of employment had changed insurance companies two times last year. This is the reason I just received the bill. My dentist was wrangling all this time with the various Insurance people and trying to get them to pay.
Me thinks I have been short changed here. Actually I think it's the vortex of goo trying to prevent me from making an up coming change in my life from happening. It knows how precarious my finances are for the type of change I am contemplating. It seeks to destroy those who do not submit and glaze over into numbness. It won't let me leave easily.
It is evil, like an insurance company.
My place of employment had changed insurance companies two times last year. This is the reason I just received the bill. My dentist was wrangling all this time with the various Insurance people and trying to get them to pay.
Me thinks I have been short changed here. Actually I think it's the vortex of goo trying to prevent me from making an up coming change in my life from happening. It knows how precarious my finances are for the type of change I am contemplating. It seeks to destroy those who do not submit and glaze over into numbness. It won't let me leave easily.
It is evil, like an insurance company.
12 April 2006
Red Beard No More
It just fell off!Actually, today when I was walking my six miles the beard became terribly uncomfortable and I decided to do away with it for a while. (Sorry Homer)
The horrible hot, humid weather is just around the corner. I know then it will be unbearable to have one anyway.
10 April 2006
A Fun Time Had
I did have a great time in North Carolina. We went out to eat a few times, talked and just relaxed. Emma had to spin on Friday night at Aries, in Raleigh. It was a kind of Goth/Fetish night.
It was nice to go out again, especially on Goth night. The music was good. Three different DJ's spun. Through out the evening, when the music would soften, you could occasionally here the cracking sound of a whip from the back room. Some lucky devil was receiving punishment. The Goth scene in Savannah is rather boring and tedious at best and it's on Thursday night which makes no sense since Friday most people have to be at work.
I didn't take too many pictures because when I got to Chapel Hill I realized I left the USB cable at home so I couldn't download the images. The problem with this is my camera only holds six images set at the best setting. I had to set it to the least quality image setting so it could hold more.
Anyway, I wish I could return to North Carolina forever. :)
Below are some more pictures of Emma and me.
Behold The Power Of Gin09 April 2006
Back In The Goo
My brief holiday has ended. I am back in the Vortex of Goo. I don't want to be here. I don't want to go to work. It's too draining. I already miss North Carolina and my friends. I'm developing a nervous twitch over it all! Feel my pain.
05 April 2006
North Carolina
I am taking Friday off and escaping the Vortex of Goo. I am going to North Carolina to visit with my friends Emma and David in Chapel Hill.I can't wait to get the #$%& out of here!
North Carolina is my other home. I lived once in Asheville and once in Chapel Hill and both times I had to leave for the lack of a living wage job. It's so sad. If it were possible to find a decent job I would return for good.
Subscribe to:
Posts (Atom)
