If you are currently looking towards getting student loans right now:
Please, please, PLEASE do not go through Navient/Sallie Mae for your student loans. I did because it’s what my mom recommended to me because it was easiest for her to get set up and approved for, and I as a naive 18-year old listened. I did some government loans, but since my parents were going through a divorce at the time and refused to cooperate in helping with my financial info/FAFSA/etc I just continued to do mostly Sallie Mae loans.
My 2 government loans are at 6.8% and 3.4% interest.
My 4 Sallie Mae loans all started at around 8% and have all risen between 9.5% and 10.5% interest.
The government’s student loans have been open in communication about how much I owe, how to plan to pay them off, how to defer payment if you need to or change payment amounts based on your income, etc etc.
Sallie Mae does not display any of this information clearly on their websites, or directs you to their hotline where you’ll sit on hold for a while and get transferred back and forth for a while while their reps are purposefully obtuse.
Their “automatic payment” system in place where you can put in your credit card # and auto pay your statement monthly only stays in place for a few months, where it will drop your card without notifying you then charge you overdue fees for ‘missing’ payments. (this happened to me while only paying off interest, though I’ve heard of this happening to others on their main balances.)
While paying over the phone once, the rep accidentally put the whole lump sum in 1 of my 4 loans instead of spreading it out like I told him to. They started harassing my family over the phone the very next day and I had to fight to have them drop the overdue charges from the account after I figured out what the problem was a few days later.
This turned out way longer than expected.. I know that financial stuff like this is scary when you’re first starting out but please just. learn from my mistakes and make sure that you check all other avenues like gov’t loans or fixed interest loans before signing your name away willy-nilly without worrying about interest like I did.
The Price Isn't Right for Higher Education: An exclusive sneak peek of Bernie Sanders Guide to Political Revolution!
Unlike other types of personal debt that have been decreasing in recent years, student debt has been steadily increasing. In all, 44 million people—current students, graduates, and those who left college before graduating—now owe more than $1.3 trillion in student loans. This is more than five times the amount of student debt in 2004, and more than all credit card and auto loan debt in the United States combined. And an increasing number of those 44 million people will carry their student debt throughout their entire lives.
In the Bernie Sanders Guide to Political Revolution, Independent congressman, presidential candidate and activist Bernie Sanders shows you how to make a difference to effect the changes America—and the world—need to create a better tomorrow.
Please fire me. I work at a call center and at least once a day a customer will have a full conversation with me and when I tell them I can take there payment over the phone they start pressing buttons in my ear… Um, you have to READ your card numbers to me they don’t magically come through the phone.
You were sitting in your car after a long day of going to meetings. You were just about ready to head back to work when the car jolted forward, and your seat-belt jerked you back. You screamed clenching your chest from the sheer shock of it all. Luckily you were parked and the car that hit you couldn’t have been going very fast.
“Are you ok!?”
Looking out the side mirror you saw a panicked man coming up to you. You opened the door and climbed out of the car. “I’m ok” you tried to assure him.
He sighed and slumped a bit. “I am so sorry…”
You walked with him to assess the damages. They weren’t too bad. There was a pretty big dent in your bumper, and some chipped paint, but the important thing was that no one was hurt. You gave him a smile seeing that he’s calmed down. “Are you alright?” He was just staring at your car and pouting. He looked so troubled. Maybe he couldn’t afford the damages? He was driving a pretty nice car himself, maybe it was his boss’s?
The first time Cas saw him, he was waiting for the bus. They were fifteen years old and Cas sat near the front, by the window, because no one ever sat beside him. He watched Dean scuff his shoe against the curb and then look up as the bus approached. He climbed on and sat near the back, laughing and joking with the other boys and girls. They didn’t speak until years later, when they shared a class at the same college They never really moved in the same circles, but he had always noticed Dean from afar and vaguely wondered.
The second time Cas knew Dean, it was when they met at a concert. The Doors were playing and Jim Morrison crooned out his unabashed lyrics to the droves of fans, waving their arms and dancing freely. Half of them under the influence of drugs. Cas spotted Dean through the swaying crowd, looking sober but entranced. How could one not be? He made his way past the fans and stood by Dean’s side. The other boy didn’t know his name and they didn’t speak now, but when Dean turned to look at him and green eyes gazed over Cas’s face, Cas smiled and nodded to him. Dean nodded back. They danced together, sang along to “Light My Fire” and shared a contact high. But they lost one another after the concert ended and everyone left. He couldn’t find Dean again in that lifetime.
The third time they met, Cas’s car had broken down at the side of the road. He called a tow truck and got it hauled to the nearest repair shop, where a handsome man in blue coveralls checked it over. The name Dean was embroidered onto his chest. He had never seen Cas before, but Cas knew him instantly. Dean explained what was going on with the car, but all Cas could do was nod and pretend he heard a word that was said. All he really understood was that the problem was fixed and that if he had any more trouble, he should give a call. Then Dean gave him a business card for the auto repair shop with Dean’s name and the shop’s number. Dean Winchester. He did go to the shop every time his car needed anything and learned bits and pieces about Dean. He had a brother named Sam, his mother passed away when he was young, he drove a 67 Chevy Impala, and he loved fixing cars and listening to classic rock music. The last fact had made Cas smile.
The fourth time they met was different. this time it was nearly the end of Cas’s life. Through a series terrible events and circumstances, Cas had been walking down the sidewalk on a busy road and got knocked into the street as a wave of traffic was barreling down towards him. Everything happened so quickly, he his mind didn’t have time to keep up with it. There was the impact of the ground, horns honking, tires screeching and shrieks. The fall had knocked the wind out of Cas and he felt a hand grab his arm and haul him up. He stumbled against the frame of a taller man and staggered back to the sidewalk just as he felt the rush of wind from a passing car. As Cas tried to catch his breath, the man held his shoulders.
“Are you okay?” The man asked, fear and seriousness in his deep, gruff voice.
Cas looked up and blinked as he was faced with the intensity of fierce, green eyes. Dean’s eyes. Dean Winchester.
“I’m fine…” He panted out through parted lips. “Thank you.”
“That was a close call.” Relief was evident on Dean’s face.
“If it weren’t for you…” Cas shook his head.
“Hey, I just did what anyone would do,” he shrugged.
“No, not anyone.” Cas found himself chuckling, he was still a little breathless, but it wasn’t just because he fell into the street and nearly died. That was only part of it. “Can I buy you a drink? Coffee? A beer? Something?”
Dean blinked, then a huge smile crossed his lips. “Well, I never turn down a beer. Name’s Dean.”
“I’m Cas. It’s a pleasure to meet you. Considering you saved my life.”
Dean laughed and Cas thought it was the most wonderful sound. “All in a day’s work. Come on, I know a great place we can go.”
“Alright,” Cas nodded and followed Dean. This might be the time. This might be the lifetime where something more would happen. And whether it was or not, Cas knew he would find Dean again, in the next lifetime and the one after that and the one after that. Every life, every time, every way. He would find this man. This man that he could always remember, that he was always drawn to, that he might always love.
G-BT03/002 GR 創世竜 アムネスティ・メサイア Creation Dragon, Amnesty Messiah “運命に抗う者は、運命を切り開く力を得る。 (One who resists fate, gains the power to open the door to a new fate.)” Grade 4 / G Unit / Power 15000+ Shield N/A Critical 1 [Stride] (Unleashed if both player’s Vanguards are Grade 3 or higher!) - Stride Step - [Select 1 or more cards from your hand, as long as their combined Grade is 3 or more, discard it] This face-down card [Stride]s onto your [Vanguard Circle]. [Auto] [[Vanguard Circle]]: [[Counter Blast](1) Card] When this Unit attacks a Vanguard, you can pay the cost. If you pay it, choose any number of Locked Cards, Unlock them, during that battle, for each Unlocked Unit, this Unit gains [Power]+3000, and if 3 or more Units were Unlocked, during that battle, this Unit gains [Critical]+1.
G-TD05/002 オルターエゴ・メサイア Alter Ego Messiah “世界は私である。 私は世界である。 (The world is me. I am the world.)” Grade 3 / Normal Unit / Star Gate - Link Joker - Messiah Power 11000 Shield NA Critical 1 [Auto] [[Vanguard Circle]] [Generation Break] (If you have 2 or more face-up G Units in your [Vanguard Circle] or G Zone): [[Soul Blast](1) Card] When a Locked Card Unlocks, you can pay the cost. If you pay it, draw 1 card. [Auto] [[Vanguard Circle]]: [[Counter Blast](1) Cards, Choose 1 of your Rearguards, Lock it] During your turn, when your G Unit [Stride]s, You can Pay the Cost. If you pay it, choose 1 of your opponent’s Rearguards, Lock it, then Choose 1 of your Vanguards, during that turn, it gains [Power]+5000. (A Locked Card is turned face-down and cannot do anything. It returns to being face-up at the end of the owner’s turn.)
According to the Fed, delinquency rates for credit cards, mortgages, auto loans, and money borrowed against home equity peaked during the Great Recession, and all categories have fallen during the economic recovery. However, student loan delinquencies and defaults surged in 2012 - and have yet to stop.