bistapickdun
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Joined: 07 May 2016
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I was also going through a divorce, and both of my parents were still very ill. I dropped out of college 3 classes short of my MBA, and 1 class short of the Certificate Program, and moved to Dallas. My mom had polio as a child, had hip replacements, kidney stone problems, and mental issues of Bi-Polar and depression. They had a very small income, and I had to help out as much as I could. They lived in Plainview, and I lost several jobs when emergencies came up and I had to be there. I received a letter that I could not renew it until I was current with student loan payments. I had to call a collection agency in Skokie, Illinois, and they said I had to make six consecutive payments to be in compliance over the course of 6 months. So I lost the commission, the job, and the ability to pay the loans back. Over the next 10 years, until my dad died in 1998 and my mom in 2003, I had to help them as much as I could and things like electricity and groceries take priority over student loan payments. After my parents died, I moved to their house in Plainview, Texas for a few years, chemistry everyday life essay 500 words, but there are no jobs in Plainview, so I was driving 120 miles round trip every day to work at Convergys call center in Lubbock. That was my last payday before Christmas, so I was not able to buy any presents for my children or grandchildren that year. I kept reading online and I heard about Income Based Repayment plans, so I started checking into that about 2013. I had 12 loans, but the Dept of Education said only 11 could be included. My goal was to get my licenses back for real estate chemistry everyday life essay 500 words insurance, so I really needed all the loans in the plan. I found out that for some unknown reason, one of my loans was still with the State of Texas and was never sold to the Dept of Education like the others. After that they said I could consolidate the loans and place them in an IBR, I agreed, signed the agreement, and made payments. I asked about the other chemistry everyday life essay 500 words loans, and they said they had no idea. Finally after going through 3 supervisors over 2 weeks time, they informed me that 4 of my loans were judgements. I asked when and where, and they had no idea, and suggested I contact my credit bureaus. I went to annualcreditreport. com to order all 3 reports, but when I talked to each one, they all asked security questions I could not answer, so they would not send me a report, chemistry everyday life essay 500 words. Turned out to be ok, but then I had major dental infections, and I had to have oral surgery. Then I got a call from another department in Van Ru Collections about the loans with judgements. I am now 62 and our family is trapped into over 1000 a month in payments that we could not bankrupt (we had to do that when we lost our house which went upside down, lost my daughters car, and my daughter had to drop out of college. ) She can only get jobs in retail. Our income dropped to the point that the government currently covers our health care premium on a bare minimum policy.
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