About 'loan students'|David Dayen: Student Loan Servicers, Like Mortgage Servicers, Failing to Inform Borrowers of Cheaper Payment Modifications

About 'loan students'|David Dayen: Student Loan Servicers, Like Mortgage Servicers, Failing to Inform Borrowers of Cheaper Payment Modifications

Ｕｎｅｍｐｌｏｙｍｅｎｔ               ｐａｉｄ               ｏｆｆ               ｍｙ               ｓｔｕｄｅｎｔ               ｌｏａｎ               Ｎｏ               ｏｎｅ               ｆｅｅｌｓ               ｔｈｅ               ｐｉｎｃｈ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｍｅｌｔｄｏｗｎ               ｍｏｒｅ               ｔｈａｎ               ｎｅｗ               ｇｒａｄｓ. Ｗｈｉｌｅ               ｔｈｅ               ｒｅｓｐｏｎｓｉｂｉｌｉｔｉｅｓ               ａｒｅ               ｍｙｒｉａｄ,               ｂｏｔｈ               ｒｅａｌ               ａｎｄ               ｉｍａｇｉｎｅｄ,               ｔｈｅ               ｅｎｏｒｍｉｔｙ               ｏｆ               ｔｈｅ               ｂｕｒｄｅｎ               ｉｓ               ｔｏｏ               ｂｉｇ               ｔｏ               ｃｏｍｐｒｅｈｅｎｄ. Ｉ               ｒｅａｄ               Ｂｅｎ               Ｃａｒｓｏｎ'ｓ               Ｇｉｆｔｅｄ               Ｈａｎｄｓ               ｗｈｉｌｅ               ｉｎ               ｊｕｎｉｏｒ               ｇｒａｄ               ａｎｄ               Ｉ               ｂｅｌｉｅｖｅｄ               Ｉ               ｗｏｕｌｄ               ｍａｋｅ               ｉｔ. Ｓｔｏｒｉｅｓ               ｏｆ               ｔｈｅ               ｓｕｐｅｒ               ｒｉｃｈ               ｗｈｏ               ｑｕｉｔ               ｓｃｈｏｏｌ,               ｔｈｅ               ｙｏｕｎｇ               ｍｉｌｌｉｏｎａｉｒｅｓ               ｉｎ               ｔｈｅ               ｌｅａｇｕｅｓ               ｏｆ               Ｍａｒｋ               Ｚｕｃｋｅｒｂｅｒｇ               ａｌｌ               ｂｕｔ               ｍａｄｅ               ｔｈｅ               ｐｉｃｔｕｒｅ               ｅｖｅｎ               ｍｏｒｅ               ｐｒｏｍｉｓｉｎｇ.                Ａｌｌ               ｔｈｅ               ｈｏｐｅ               ｈｏｗｅｖｅｒ               ｆａｄｅｄ               ｗｈｅｎ               Ｉ               ｇｒａｄｕａｔｅｄ               ｗｉｔｈ               ａ               ｄｅｇｒｅｅ               ｉｎ               Ａｅｒｏｎａｕｔｉｃａｌ               Ｅｎｇｉｎｅｅｒｉｎｇ               ｗｉｔｈ               ｓｔｅｌｌａｒ               ｇｒａｄｅｓ               ａｎｄ               $18,500               ｉｎ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ. Ｗｒｉｔｉｎｇ               ｉｎ               Ｔｈｅ               Ｅｃｏｎｏｍｉｓｔ               (2009),               Ａｕｓｔｉｎ               ｗｒｉｔｅｓ,               "Ｓｔｕｄｅｎｔｓ               ｃａｎ               ｂｏｒｒｏｗ               ｔｕｉｔｉｏｎ               ｆｅｅｓ...ｂｕｔ               ｗｉｌｌ               ｅｎｄ               ｕｐ               ｌｉｋｅ               ｏｌｄｅｒ               ｓｉｂｌｉｎｇｓ,               ｓａｄｄｌｅｄ               ｗｉｔｈ               ｄｅｂｔ."               Ｍｙ               ｐａｒｅｎｔｓ               ｈａｄ               ｓｅｐａｒａｔｅｄ               ｗｈｉｌｅ               ｉｎ               ｍｙ               ｓｅｃｏｎｄ               ｙｅａｒ               ｉｎ               ｃｏｌｌｅｇｅ               ａｎｄ               ｔｈｅ               ｐｒｏｔｒａｃｔｅｄ               ｄｉｖｏｒｃｅ               ｐｒｏｃｅｅｄｉｎｇｓ               ｏｎｌｙ               ｂｕｔ               ｄｒａｉｎｅｄ               ｔｈｅ               ｗｈｏｌｅ               ｆａｍｉｌｙ. Ｈｅｒｅ               Ｉ               ｗａｓ               ｔｈｅｒｅｆｏｒｅ,               ｗｉｔｈ               ａ               ｄｅｇｒｅｅ,               ｅｓｔｒａｎｇｅｄ               ｐａｒｅｎｔｓ               ｔｈａｔ               Ｉ               ｃｏｕｌｄ               ｎｏｔ               ｇｏ               ｔｏ,               ａｔ               ｔｈｅ               ｈｅｉｇｈｔ               ｏｆ               ｔｈｅ               Ｐａｔｒｉｏｔ               Ａｃｔ               ｉｍｐｌｅｍｅｎｔａｔｉｏｎ               (ｍｙ               ｒｅｌｉｇｉｏｕｓ               ｏｒｉｅｎｔａｔｉｏｎ               ｎｅｖｅｒ               ｈｅｌｐｅｄ)               ａｎｄ               ａ               ｂａｌｌｏｏｎｉｎｇ               ｌｏａｎ!                Ｔｈｅ               ｉｍｐｏｒｔ               ｏｆ               ｔｈｉｓ               ａｒｔｉｃｌｅ               ｉｓ               ｎｏｔ               ｔｏ               ｎａｒｒａｔｅ               ｍｙ               ａｅｒｉａｌ               ｃａｓｔｌｅｓ,               ｂｕｔ               ｔｏ               ｓｈａｒｅ               ｔｈｅ               ｊｏｙ               ａｎｄ               ｒｅａｌｉｚａｔｉｏｎ               ｔｈａｔ               ｔｗｏ               ｙｅａｒｓ               ｄｏｗｎ               ｔｈｅ               ｌｉｎｅ,               Ｉ               ａｍ               ｆｒｅｅ               ｔｏ               ｉｎｖｅｓｔ               ａｎｄ               ｓｔａｒｔ               ｍｙ               ｌｉｆｅ! Ｉ               ｍａｎａｇｅｄ               ｔｈｉｓ               ｗｉｔｈｏｕｔ               ｍｙ               ａｅｒｏｎａｕｔｉｃａｌ               ｅｎｇｉｎｅｅｒｉｎｇ               ｄｅｇｒｅｅ               ｓｉｎｃｅ               ｔｈｅ               ｏｎｌｙ               ｒｅｓｏｕｒｃｅｓ               ｒｅｑｕｉｒｅｄ               ｏｆ               ｍｅ               ｗｅｒｅ               ｉｎｔｅｒｎｅｔ               ａｖａｉｌａｂｉｌｉｔｙ,               ａ               ｃｏｍｐｕｔｅｒ               ａｎｄ               ｓｏｍｅ               80ｈｒｓ               ｐｅｒ               ｗｅｅｋ. Ｉｎ               ｔｈｅ               ｉｎｔｅｒｖｅｎｉｎｇ               ｐｅｒｉｏｄ,               Ｉ               ｌｅａｒｎｔ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ:                ａ)               Ｕｎｄｅｒｓｔａｎｄ               ｔｈｅ               ｌｅｖｅｌ               ｏｆ               ｙｏｕｒ               ｉｎｄｅｂｔｅｄｎｅｓｓ. Ｔｈｉｓ               ｉｓ               ｅａｓｉｅｒ               ｓａｉｄ               ｔｈａｎ               ｄｏｎｅ,               ｂｕｔ               ａｎ               ａｎａｌｙｓｉｓ               ｏｆ               ｄｅｂｔ               ａｎｄ               ｏｎｅ'ｓ               ｓｉｔｕａｔｉｏｎ               ｗｉｌｌ               ａｌｗａｙｓ               ｃｏｍｅ               ｉｎ               ｈａｎｄｙ.                ｂ)               Ｓｔｏｐ               ｄｉｇｇｉｎｇ. Ｄｏｎ'ｔ               ｉｎｃｕｒ               ｍｏｒｅ               ｄｅｂｔ. Ｆｏｒｅｇｏ               ｔｈｅ               ｃａｒ,               ｐａｒｔｉｅｓ,               ｂｉｇ               ｈｏｕｓｅ               ａｎｄ               ｉｔｓ               ｔｒａｐｐｉｎｇｓ. Ｉｔ               ｗｉｌｌ               ｂｅ               ｐａｒａｍｏｕｎｔ               ｆｏｒ               ｏｎｅ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｌｉｖｉｎｇ               ａｓ               ａ               ｓｔｕｄｅｎｔ,               ｅｖｅｎ               ｓｈａｒｉｎｇ               ａｎ               ａｐａｒｔｍｅｎｔ               ｔｏ               ｗａｒｄ               ｏｆｆ               ｕｎｗａｎｔｅｄ               ｆａｔ               ｏｎ               ｐｅｒｓｏｎａｌ               ｉｎｄｅｂｔｅｄｎｅｓｓ. Ｉ               ｌｅａｒｎｔ               ｈｏｗ               ｔｏ               ｓｈａｖｅ,               ｈａｖｉｎｇ               ｐｒａｃｔｉｃｅｄ               ｔｈｉｓ               ｏｎ               ｍｙ               ｒｏｏｍｍａｔｅ               ａｆｔｅｒ               ｃｏｌｌｅｇｅ. Ｏｆ               ｃｏｕｒｓｅ               ｈｅ               ｄｉｄ               ｔｈｅ               ｓａｍｅ               ｔｏｏ!!! Ａｆｔｅｒ               ｒｅｐａｙｍｅｎｔ,               ｏｎｅ               ｃａｎ               ｔｈｅｎ               ａｆｆｏｒｄ               ａ               ｆｅｗ               ｅｘｔｒａｓ.                ｃ)               Ｓａｖｉｎｇ               ｉｓ               ｔｈｅ               ｂｅｓｔ               ｗａｙ               ｔｏ               ｗａｒｄ               ｏｆ               ｄｅｂｔ. Ｉ               ｗａｓ               ａｂｌｅ               ｔｏ               ａｃｃｕｍｕｌａｔｅ               $21,000               ｉｎ               ｓｉｘ               ｍｏｎｔｈｓ. Ｔｈｉｓ               ｏｂｖｉｏｕｓｌｙ               ｗａｓ               ａ               ｆｅａｔ               ｆｏｒ               ａｎ               ｕｎｅｍｐｌｏｙｅｄ               ｌｉｋｅ               ｍｅ,               ａｎｄ               ｔｈｅ               ｆｉｒｓｔ               ｔｈｉｎｇ               Ｉ               ｄｉｄ               ｗａｓ               ｔｏ               ｒｅｐａｙ               ｍｙ               ｓｔｕｄｅｎｔ               ｌｏａｎ.                ｄ)               Ｔｈｅ               ｌｏａｎ               ｗａｓ               ｗｏｒｔｈ               ｉｔ               ｓｉｎｃｅ               ｉｔ               ｈｅｌｐｅｄ               ｍｅ               ｇｅｔ               ｍｙ               ｄｅｇｒｅｅ,               ｗｈｉｃｈ               Ｉ               ａｍ               ｈａｐｐｙ               ｔｏ               ｒｅｐｏｒｔ               ｈａｓ               ｅａｒｎｅｄ               ｍｅ               ａ               ｊｏｂ               ｉｎ               ｔｈｅ               ａｖｉａｔｉｏｎ               ｉｎｄｕｓｔｒｙ. Ａｆｔｅｒ               ｔｗｏ               ｙｅａｒｓ               ｉｎ               ｔｈｅ               ｃｏｌｄ! "Ｔｉｐｓ               ｆｏｒ               ｎｅｇｏｔｉａｔｉｎｇ               (ｍｙ)               ｆｉｒｓｔ               ｓａｌａｒｙ,"               (Ｗｅｉｓｓ,               2007)               ｃａｍｅ               ｉｎ               ｈａｎｄｙ               ｈｅｒｅ.                Ｒｅｆｅｒｅｎｃｅｓ                Ａｕｓｔｉｎ. Ｓｔｕｄｅｎｔｓ               ａｎｄ               Ｕｎｉｖｅｒｓｉｔｉｅｓ               ａｒｅ               ｓｔｒａｐｐｅｄ               ｆｏｒ               ｆｕｎｄｓ,               ｗｉｔｈ               ｌｉｔｔｌｅ               ｒｅｌｉｅｆ               ｉｎ               ｓｉｇｈｔ. Ｔｈｅ               Ｅｃｏｎｏｍｉｓｔ,               (Ａｐｒｉｌ               23,               2009). Ｒｅｔｒｉｅｖｅｄ               Ｆｅｂｒｕａｒｙ               18,               2011               ｈｔｔｐ://ｗｗｗ.ｅｃｏｎｏｍｉｓｔ.ｃｏｍ/ｎｏｄｅ/13527458                Ｔａｒａ               Ｗｅｉｓｓ. Ｔｉｐｓ               ｆｏｒ               ｎｅｇｏｔｉａｔｉｎｇ               ｙｏｕｒ               ｆｉｒｓｔ               ｓａｌａｒｙ. Ｆｏｒｂｅｓ,(6/1/2007). Ｒｅｔｒｉｅｖｅｄ               Ｆｅｂｒｕａｒｙ               18,               2011               ｈｔｔｐ://ｗｗｗ.ｍｓｎｂｃ.ｍｓｎ.ｃｏｍ/ｉｄ/18743312/ｎｓ/ｂｕｓｉｎｅｓｓ-ｆｏｒｂｅｓｃｏｍ/

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Related blog with loan students

1. TaxProf Blog: Student Loan Default Rates Skyrocket

   rightcoast.typepad.com/rightcoast/   11/19/2013

   The Atlantic, All of a Sudden Students Have Stopped Paying Their Loans, Again—Why? : via taxprof.typepad.com Not so good.

2. Student Loan Interest Rate Analysis: Comparison of Cost to Borrowers Under Current Law, H.R. 1911, and a Permanent Extension of Current Interest Rates

   education-legislation.blogspot.com/   10/30/2013

   ...set the interest rates charged to borrowers of federal student loans made through the William D. Ford Federal Direct Loan (DL) program. 1 You asked...

3. Track and Manage Your Student Loans -- for Free

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4. Student loans: still paying

   nursingnotesofdiscord.blogspot.com/   10/04/2013

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5. Wisconisn Democrats pitch 'Higher Ed, Lower Debt' student loan relief bill

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6. Recommended Accessories For American Student Loan Debtors

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7. SoFi raises $500M to fix the broken student loan market

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8. UPDATE: Warning - FAKE SALLIE MAE ACCOUNT CLAIMS THEY WILL FORGIVE YOUR STUDENT LOANS

   alleducationmatters.blogspot.com/   10/03/2013

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9. Media Offer Scant Coverage In The Face of Student Loan Deadline

   mediamatters.org/   07/01/2013

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10. David Dayen: Student Loan Servicers, Like Mortgage Servicers, Failing to Inform Borrowers of Cheaper Payment Modifications

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Loan Students - Blog Homepage Results

Student Direct Loanbystudent-direct-loan

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Student Loan Consolidation Programbystudent-loans-programs

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