Mardi Gras Audrey
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Post by Mardi Gras Audrey on Aug 1, 2014 23:40:30 GMT -5
This is such a crock!!! I was just looking at the Today article again and what her dad says is SOOO misleading.... "Lisa tried to apply for more federal student loans, which may have been forgiven after her death, but didn’t qualify for them, according to her father. “Most young people just graduating from high school have no job experience, no credit history and no income,” Steve said. “So, to qualify for [federal student] loans is really difficult.”" Ummm, qualifying for federal student loans IS NOT DIFFICULT. Unless you are talking about the PLUS loans, they don't look at your credit score or ability to repay. Staffords, Direct loans, and Perkins loans are given out based upon being a student, not your credit score, income, or anything else. San Bernardino Valley gives out Perkins loans to it's nursing students... www.valleycollege.edu/admissions-financial-aid/financial-aid/types-of-financial-aid/loans"Federal Perkins Loans are federal low-interest loans for students. San Bernardino Valley College has a small amount of money to award in Perkins Loans each academic year. First consideration of these loan awards is typically given to students with exceptional financial needs, as well as students enrolled in the Nursing, Psychiatric Technician and Sheriff's Academy Programs. Other students will be considered on an individual basis. To apply, students must file a FAFSA and demonstrate financial need." Also, someone posted a comment on the GoFundMe site about how she really died this afternoon. They have erased the comment so that the donors don't know what they are actualy paying for...
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zibazinski
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Post by zibazinski on Aug 2, 2014 6:22:49 GMT -5
What GOFUNDME really needs to report is how much it really costs to go that school and how much aid she would have received with three kids and unwed mom and all that and let "donators" draw their own conclusions. Telling how she really died is a given as I think most people can figure it out. Notice how his own church isn't much involved? I think they get the idea. yes, we have had posters on this board use grant money or even loans to do things that the money wasnt meant for. Too bad it isn't paid directly to the college as opposed the individual who has shown poor choices already. Scamming isn't just for criminals but it is a criminal act and should be treated as such.
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Shooby
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Post by Shooby on Aug 2, 2014 6:44:56 GMT -5
Well how about the doctor that wrote scrips for HUNDREDS of nacotics fir a 27 yr old.? We need to start holding them accountable as well. But yeah she obviously was an addict. And even if she didn't die she would have lost her nursing license soon enough and they still would have had thpse bills. They had to know this wasn't all adding up when she took out so much money. They knew what she was doing wirh it.
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zibazinski
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Post by zibazinski on Aug 2, 2014 7:16:57 GMT -5
Not only that but that pastor may lose his own job. Church congregations don't like it when their minister doesn't pay his bills and whines for more money. Makes them look bad. Add that to an addict unwed mother for a daughter and you now have a minister who can't really lead his flock on the right path because his own family is a disaster. My girlfriend who is married to a minister says this has been a huge topic of conversation among the church lately. I bet. My old minister was asked to retire after his son got divorced when the congregation asked the minister to ask the son to wait and not do this whirlwind romance. They got divorced in less than a year. He was eligible to retire anyway but how can you counsel young couples when your own house isn't working right? It's a mess, that's for sure.
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Shooby
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Post by Shooby on Aug 2, 2014 7:39:06 GMT -5
Well I don't agree with that. You can guide your children but when they are adults their decisions arevon them. And if the church is going to toss every pastor with family difficuties you aren't going to have many candidates if you think pastors are somehow above the frails of humanity. And if you tossed a pastor because his GROWN SON got a duvorce , then that is a church I wouldn't want to belong to because apparently all the saints there forgot they are forgiven sinners.
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Shooby
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Post by Shooby on Aug 2, 2014 7:40:04 GMT -5
They are stepping up to raise her 3 kids. I wouldn't exactly call that a dereliction of duty
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Deleted
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Post by Deleted on Aug 2, 2014 7:43:16 GMT -5
So anyone can go get a student loan for whatever amount? I'm confused. They don't care or check how much it costs you to go to school when issuing the loan? 100K in private loans, plus whatever federal loans and grants she got for a 34K education? Wow.
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Shooby
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Post by Shooby on Aug 2, 2014 7:44:36 GMT -5
Yes how did she qualify for all that?
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zibazinski
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Post by zibazinski on Aug 2, 2014 7:45:40 GMT -5
He wasn't a grown son but, yes, he was over 18. If you can't support yourself and are still in school relying on mom and dad, maybe you aren't ready to get married. Not like there was a baby on the way. To you it may be wrong but some churches and their congregations feel that a minister and his or her family should set a good example.
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Shooby
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Post by Shooby on Aug 2, 2014 7:47:59 GMT -5
You can't "set an example" in the skin of another human being.
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Shooby
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Post by Shooby on Aug 2, 2014 7:48:31 GMT -5
Over 18 = legal adult.
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Shooby
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Post by Shooby on Aug 2, 2014 7:52:23 GMT -5
The example you set is not that of a perfect life. Look how Jesus' apostles acted out at times The example u set is how you respond and act during challenges and difficult circumstances. The example is do you love your teen daughter thru an unintended pregnancy or us the example that perfect people never have to deal with that.?
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Deleted
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Post by Deleted on Aug 2, 2014 7:57:48 GMT -5
Loving your daughter through a teen pregnancy is cool. Cosigning on 100K in loans for your addict daughter and then asking others to pay it is kinda off.
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Shooby
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Post by Shooby on Aug 2, 2014 7:59:41 GMT -5
I agree and I don't support letting them off the hook.
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zibazinski
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Post by zibazinski on Aug 2, 2014 8:04:59 GMT -5
I'm just saying he had best "cool it" with the whining and begging. It may have unintended consequences.
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Shooby
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Post by Shooby on Aug 2, 2014 8:42:52 GMT -5
Good point.
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Mardi Gras Audrey
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Post by Mardi Gras Audrey on Aug 2, 2014 10:20:04 GMT -5
What GOFUNDME really needs to report is how much it really costs to go that school and how much aid she would have received with three kids and unwed mom and all that and let "donators" draw their own conclusions. Telling how she really died is a given as I think most people can figure it out. Notice how his own church isn't much involved? I think they get the idea. yes, we have had posters on this board use grant money or even loans to do things that the money wasnt meant for. Too bad it isn't paid directly to the college as opposed the individual who has shown poor choices already. Scamming isn't just for criminals but it is a criminal act and should be treated as such. I doubt the Gofundme donators will figure out what happened. The "cause of death" is being reported in most areas as either liver failure or liver cancer (including on the Today Show). They are actively removing any mention of the addiction and their lawsuit against the doctor on the Gofundme site.. The only way these donors will know is if they google her independently or look at the comments on the Daily Mail site and google from there. All of the mainstream media is omitting the lawsuit and the addiction.
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Mardi Gras Audrey
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Post by Mardi Gras Audrey on Aug 2, 2014 10:22:33 GMT -5
Well how about the doctor that wrote scrips for HUNDREDS of nacotics fir a 27 yr old.? We need to start holding them accountable as well. But yeah she obviously was an addict. And even if she didn't die she would have lost her nursing license soon enough and they still would have had thpse bills. They had to know this wasn't all adding up when she took out so much money. They knew what she was doing wirh it. He did get held accountable. He lost his license and will never practice again. Additionally, he was sued by the family and I believe that they settled so they got $$ from him as well. I think he was a total piece of garbage for giving her the prescriptions but when t comes down to it, she knew what she was doing and that it was wrong. Apparently, the court papers show that her parents knew she was an addict for several years before her death. When they cosigned, they knew who their "co-borrower" was...
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Shooby
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Post by Shooby on Aug 2, 2014 10:23:04 GMT -5
I am amazed by the Gofundme site.
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Shooby
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Post by Shooby on Aug 2, 2014 10:24:23 GMT -5
Well how about the doctor that wrote scrips for HUNDREDS of nacotics fir a 27 yr old.? We need to start holding them accountable as well. But yeah she obviously was an addict. And even if she didn't die she would have lost her nursing license soon enough and they still would have had thpse bills. They had to know this wasn't all adding up when she took out so much money. They knew what she was doing wirh it. He did get held accountable. He lost his license and will never practice again. Additionally, he was sued by the family and I believe that they settled so they got $$ from him as well. I think he was a total piece of garbage for giving her the prescriptions but when t comes down to it, she knew what she was doing and that it was wrong. Apparently, the court papers show that her parents knew she was an addict for several years before her death. When they cosigned, they knew who their "co-borrower" was... Ok I didn't see that info in the article.
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Mardi Gras Audrey
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Post by Mardi Gras Audrey on Aug 2, 2014 10:30:10 GMT -5
So anyone can go get a student loan for whatever amount? I'm confused. They don't care or check how much it costs you to go to school when issuing the loan? 100K in private loans, plus whatever federal loans and grants she got for a 34K education? Wow. Usually, with federal loans (Perkins, Direct, FFEL, etc), you have to prove costs of attendance to get them. The school says it costs $X to go so you can borrow up to $X (Lower than X if you get grants or other aid). You can appeal $X (Say you have abnormal day care costs or have a handicapped child to support, you show them the bills and they will increase X so you can borrow more). With private loans, it depends. We had some through our school where the school was certifying you had the need (and expenses). Others come straight to your home and will let you take out whatever you want, as long as you have the credit or a co-signer with the credit to be worthy. I'm guessing that she didn't have the credit on her own so her dad put up his. It looks like her school doesn't participate in the Direct or FFEL loan programs (Stafford, etc). If they are similar to my community college, they didn't because too many people took the money and defaulted on the loans (using the $$ for cars, vacations, etc). I guess the school can only have a certain % of default before the govt cuts them off and won't let them lend through that program anymore. They did have Perkins loans available though. I can tell you that she would have qualified for a lot of aid with 3 kids and no hubby. I got a Community College fee waiver and I had a job making $12/hr (fulltime), no dependents, and parents who made ~$30k/year (I was considered dependent because I was 19, even though my parents didn't support me). She would have qualifed, having 3 dependents and being over 24...
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zibazinski
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Post by zibazinski on Aug 3, 2014 7:59:36 GMT -5
I'm sorry their daughter was an addict and ODd but the loans need to be paid. Not having usury rates would help and forgive the extra interest and fees tacked on but pay what you owe and stop whining and begging about it. I bet not one dime of Gofundme will be used to pay loans. They'll probably win lawsuit but I hope that money is put in a trust they can't access except for the education of those children.
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Artemis Windsong
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Post by Artemis Windsong on Aug 3, 2014 15:01:06 GMT -5
There are ways to refinance at lower interest rates.
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sheilaincali
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Post by sheilaincali on Aug 4, 2014 9:27:22 GMT -5
ETA: The costs listed are the costs NOW. I'm sure they were a lot cheaper in 2006-07 when she was attending (This was before the CA budget meltdown in 2009-11). Community college costs in CA (This is the type of school San Bernardino Valley is) have been RIDICULOUSLY low for years. I went to a CA community college in 2000 and it was $13/credit-hour. They didn't raise substantially until 2009 when the state had no money.
Haven't read past this- so apologies if it's been covered. DH attended Community College in Riverside (San Bernadino's neighbor) in 2006-2008. Cost was I believe $20 per credit hour at that time. Was as far as I know- the same rate at all of the state community colleges in CA at the time.
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Firebird
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Post by Firebird on Aug 4, 2014 11:17:40 GMT -5
My question has already been asked but bears repeating - where the hell are the father(s)?
Because I really have to question how she was able to go to school at all with three young kids. My SIL and nieces (2 and 10) are staying with us this week. Add in Babybird and it is CHAOS in our house right now. That's with a 1:1 kid to adult ratio.
If there was no father in the home, who was supporting her while she went to school (let alone managed to carry on a drug habit)?
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zibazinski
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Post by zibazinski on Aug 4, 2014 12:14:54 GMT -5
My question has already been asked but bears repeating - where the hell are the father(s)?
Because I really have to question how she was able to go to school at all with three young kids. My SIL and nieces (2 and 10) are staying with us this week. Add in Babybird and it is CHAOS in our house right now. That's with a 1:1 kid to adult ratio. If there was no father in the home, who was supporting her while she went to school (let alone managed to carry on a drug habit)? Students loans. Plus, I'm sure she got welfare, subsidized housing, food stamps, WIC, and whatever else you get for doing the wrong thing. Rewarding bad behavior only encourages more of it but it seems no one ever figures this out. Certainly not the govt. I'd like to see rewards for those who don't get knocked up in HS, who don't drop out, who don't do drugs.
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Bonny
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Post by Bonny on Aug 4, 2014 12:29:39 GMT -5
My question has already been asked but bears repeating - where the hell are the father(s)?
Because I really have to question how she was able to go to school at all with three young kids. My SIL and nieces (2 and 10) are staying with us this week. Add in Babybird and it is CHAOS in our house right now. That's with a 1:1 kid to adult ratio. If there was no father in the home, who was supporting her while she went to school (let alone managed to carry on a drug habit)? Students loans. Plus, I'm sure she got welfare, subsidized housing, food stamps, WIC, and whatever else you get for doing the wrong thing. Rewarding bad behavior only encourages more of it but it seems no one ever figures this out. Certainly not the govt. I'd like to see rewards for those who don't get knocked up in HS, who don't drop out, who don't do drugs. Well they don't get their 15 minutes of fame on YM as a cautionary tale! There's a reward right there!
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zibazinski
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Post by zibazinski on Aug 4, 2014 12:33:13 GMT -5
I remember my kids asking this question. They behaved and did well in school and all the attention and focus was on those who didnt do either one. They felt the unfairness of it then and it certainly has come full circle. It used to be that if you behaved, a child that was behaving properly was pointed out to you as an example and you and your poor behavior were punished. Not anymore, of course. Can't damage the little self esteems.
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Angel!
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Post by Angel! on Aug 4, 2014 13:18:30 GMT -5
My question has already been asked but bears repeating - where the hell are the father(s)?
Because I really have to question how she was able to go to school at all with three young kids. My SIL and nieces (2 and 10) are staying with us this week. Add in Babybird and it is CHAOS in our house right now. That's with a 1:1 kid to adult ratio. If there was no father in the home, who was supporting her while she went to school (let alone managed to carry on a drug habit)? Student loans. In reality at least some of these loans may have gone to daycare. I pay ~$27K/year right now in daycare for my 3. The school may have had a subsidized daycare & she may have gotten help, but I bet it was still expensive. Unless her parents or someone else was watching them. Which is always possible too. But, the cost of childcare would be an easy way to explain to a company why you need ~$50k/year in loans.
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The Captain
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Post by The Captain on Aug 4, 2014 13:30:50 GMT -5
My question has already been asked but bears repeating - where the hell are the father(s)?
Because I really have to question how she was able to go to school at all with three young kids. My SIL and nieces (2 and 10) are staying with us this week. Add in Babybird and it is CHAOS in our house right now. That's with a 1:1 kid to adult ratio. If there was no father in the home, who was supporting her while she went to school (let alone managed to carry on a drug habit)? Student loans. In reality at least some of these loans may have gone to daycare. I pay ~$27K/year right now in daycare for my 3. The school may have had a subsidized daycare & she may have gotten help, but I bet it was still expensive. Unless her parents or someone else was watching them. Which is always possible too. But, the cost of childcare would be an easy way to explain to a company why you need ~$50k/year in loans. I don't know about CA but in my area the state will subsidize daycare or even offer free (via headstart) daycare based on parental income. Since she apparently didn't have any income the rates would be the lowest ($25 per week per child or) $3,900 per year for all three (again if she was very low or no income). I know someone who used to manage a daycare (and is trying to open one of her own). In our area full paying parents are in the minority.
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