NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Aug 5, 2019 13:28:18 GMT -5
From the sound of it she's still operating under the delusion if she ignores it it'll eventually go away. I hope she realizes that if she can get the garnishment removed there is no way on God's green on earth they are going to allow her to pay $35 a month at this point.
That's why she is likely being garnished the $35 a month she's sending in isn't remotely close to covering the bare minimum after 20 years of not paying.
They won't go after her estate student loans die with her. However they can make the rest of her living life VERY miserable.
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nidena
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Post by nidena on Aug 5, 2019 13:45:07 GMT -5
I took a look of the printout that had been included in the response to her letter. Every $ of every payment she ever made in the previous decade went to interest; every $ of every payment that has been made through garnishment is going to interest and her $35 are getting split into $29 to interest and $5 to fees. smh.
The garnishment is $320/mo at this point. The $35 is her "voluntary" payment.
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Aug 5, 2019 14:12:52 GMT -5
I took a look of the printout that had been included in the response to her letter. Every $ of every payment she ever made in the previous decade went to interest; every $ of every payment that has been made through garnishment is going to interest and her $35 are getting split into $29 to interest and $5 to fees. smh. The garnishment is $320/mo at this point. The $35 is her "voluntary" payment. Ouch. That would make me sick considering if she hadn't ignored things she'd have had the original balance paid off.
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gs11rmb
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Post by gs11rmb on Aug 5, 2019 14:40:12 GMT -5
So, if she owes $56,000 and is paying $355 per month, the loans should be paid off in 13 years. Is she healthy? I think you said she was mid-70s so they'd be paid off by her late 80s. That would restore all of her social security in her final, and probably most expensive, years.
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TheOtherMe
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Post by TheOtherMe on Aug 5, 2019 15:13:02 GMT -5
I still have a difficult time feeling sorry for people who just let the loans sit for that many years. It isn't like she didn't know she didn't have them and she would have been working (I am guessing here).
Did she keep moving because of her job?
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nidena
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Post by nidena on Aug 5, 2019 15:13:53 GMT -5
I still have a difficult time feeling sorry for people who just let the loans sit for that many years. It isn't like she didn't know she didn't have them and she would have been working (I am guessing here). Did she keep moving because of her job? Yes. She's a pastor.
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TheOtherMe
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Post by TheOtherMe on Aug 5, 2019 15:24:57 GMT -5
If her church was paying her and she got the loans to be a pastor, I guess I don't understand the disconnect with paying the loans.
I know pastors don't get rich (at least at the small churches around here), but some denominations pay in to a pension fund (where I worked did). They didn't pay in to SS.
Does she have any other income besides the SS from her previous life?
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nidena
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Post by nidena on Aug 5, 2019 15:36:39 GMT -5
If her church was paying her and she got the loans to be a pastor, I guess I don't understand the disconnect with paying the loans. I know pastors don't get rich (at least at the small churches around here), but some denominations pay in to a pension fund (where I worked did). They didn't pay in to SS. Does she have any other income besides the SS from her previous life? I know she does her taxes differently than the average person but I don't think she's getting anything other than the social security and what she makes as the school pastor.
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TheOtherMe
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Post by TheOtherMe on Aug 5, 2019 16:36:56 GMT -5
I was a volunteer rep payee for several years. The nursing home patients were easy. It was the community people who couldn't comprehend budgets and debt repayment that were nightmares.
After a home visit, we told one woman she could not be in the program. She didn't see why she could overdraw her bank account every month, which meant that when her SSI was deposited, it was never the full amount.
She had a car payment and insurance, Sec. 8 housing, CC debt, etc. She had to pay $100 per month to park her car.
We added up her monthly expenses before food and they were more than her income. She could not afford the car. If she would get rid of the car, it would have been tight, but she could have made it with the program putting her on a cash allowance.
The woman used a walker and told us her doctor said she shouldn't be driving. She absolutely refused to give up the car, so the program did not accept her. You can't help people who don't want to be helped.
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nidena
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Post by nidena on Aug 6, 2019 8:37:50 GMT -5
Since she wasn't prepared yesterday, I suggested today "Tuesday is the last day that I'm available to help". She texted me this morning that she was just too exhausted and wasn't ready today. I replied "Good luck with everything. I hope you're able to get it submitted."
I'm done.
Thank you, all, for your input on the situation.
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Deleted
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Post by Deleted on Aug 6, 2019 8:41:10 GMT -5
Some people don't really want help.
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TheOtherMe
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Post by TheOtherMe on Aug 6, 2019 9:19:36 GMT -5
You tried.
I learned when I was the rep payee that some people don't want help.
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Aug 6, 2019 9:35:39 GMT -5
Sounds like she's going to have to learn the hard way. If she was receptive she wouldn't have let the situation get to where it is in the first place.
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tskeeter
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Post by tskeeter on Aug 6, 2019 13:51:16 GMT -5
Since she wasn't prepared yesterday, I suggested today "Tuesday is the last day that I'm available to help". She texted me this morning that she was just too exhausted and wasn't ready today. I replied "Good luck with everything. I hope you're able to get it submitted." I'm done. Thank you, all, for your input on the situation. Good move. If you didn’t realize it earlier, what this woman did was to shift her problem to you. As long as it is your problem, it wasn’t a problem for her, and she didn’t have to worry about it or deal with it. You were spending more effort and energy on resolving her problem than she was. Pretty cool for her. Watch out. She may be back in a few months. Looking for you to take over her burden again. Don’t fall for it. She has to do the work. Make the phone calls, fill out the forms, etc. If she won’t do the work, she doesn’t really want to solve the problem. She just wants someone else to solve the problem for her.
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nidena
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Post by nidena on Aug 7, 2019 8:41:13 GMT -5
Since she wasn't prepared yesterday, I suggested today "Tuesday is the last day that I'm available to help". She texted me this morning that she was just too exhausted and wasn't ready today. I replied "Good luck with everything. I hope you're able to get it submitted." I'm done. Thank you, all, for your input on the situation. Good move. If you didn’t realize it earlier, what this woman did was to shift her problem to you. As long as it is your problem, it wasn’t a problem for her, and she didn’t have to worry about it or deal with it. You were spending more effort and energy on resolving her problem than she was. Pretty cool for her. Watch out. She may be back in a few months. Looking for you to take over her burden again. Don’t fall for it. She has to do the work. Make the phone calls, fill out the forms, etc. If she won’t do the work, she doesn’t really want to solve the problem. She just wants someone else to solve the problem for her. I had a niggling feeling about it. She was fine if she had to come up with one invoice but when I said that I needed an invoice for each thing--as, electric, mortgage, cell, various insurances--it was like it became too much. She texted me yesterday "What's your schedule looking like?" Dude, I'm BUSY!!
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grumpyhermit
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Post by grumpyhermit on Aug 7, 2019 8:53:16 GMT -5
Good move. If you didn’t realize it earlier, what this woman did was to shift her problem to you. As long as it is your problem, it wasn’t a problem for her, and she didn’t have to worry about it or deal with it. You were spending more effort and energy on resolving her problem than she was. Pretty cool for her. Watch out. She may be back in a few months. Looking for you to take over her burden again. Don’t fall for it. She has to do the work. Make the phone calls, fill out the forms, etc. If she won’t do the work, she doesn’t really want to solve the problem. She just wants someone else to solve the problem for her. I had a niggling feeling about it. She was fine if she had to come up with one invoice but when I said that I needed an invoice for each thing--as, electric, mortgage, cell, various insurances--it was like it became too much. She texted me yesterday "What's your schedule looking like?" Dude, I'm BUSY!! Based on your description of how she handled her loan repayments, I can't say I'm surprised. The flags where there that this is someone who doesn't really take personal ownership of their issues.
You did what you could. More than most people would have done.
My mother operates in a similar fashion around retirement "planning". She says she wants help, but every time I give her a task to get detailed information (like contact SSA, or her state retirement rep) it always goes undone. I finally had to tell her I can't talk to her about it anymore as it just stresses me out. I'm more than happy to help, but she's an adult, and she needs to take some ownership of the process. If she doesn't, the repercussions are ultimately hers to deal with.
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haapai
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Post by haapai on Aug 7, 2019 14:48:55 GMT -5
For what it is worth, I've got a sense that we will be hearing a lot more stories like this.
Failure to complete the annual recertification for income based student loan repayment plans can lead to huge increases the the required monthly payments. Look ir up if you doubt me. There's a FAQ entitled "What will happen if I don't recertify my income and family size by the annual deadline?" that gives details of what will happen under the various income-driven repayment plans. The hairs on the back of my neck rose while I read it. Even persons who have been paying some principal can see big increases in the required monthly payment due to the short repayment periods that may be used to calculate the new payment.
I can easily envision large numbers of folks who are unable to make these larger payments even for the short period of time that it takes to recertify their loans or transfer themselves into a program that offers a payment that they can make. The ones that flat out default may find it absolutely impossible to make the payments necessary to rehabilitate their loans.
Maybe we should be suggesting that anyone who enters these program tattoo the telephone number of their student loan servicer somewhere on their body.
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nidena
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Post by nidena on Aug 7, 2019 17:38:24 GMT -5
I just know that if selling my house doesn't net me enough to pay them off, they'll be the first thing I focus on with my former mortgage payment.
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nidena
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Post by nidena on Aug 22, 2019 11:19:35 GMT -5
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haapai
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Post by haapai on Aug 22, 2019 12:30:57 GMT -5
I just know that if selling my house doesn't net me enough to pay them off, they'll be the first thing I focus on with my former mortgage payment. You may want to hold off on that now. Aren't you a disabled vet?
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nidena
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Post by nidena on Aug 22, 2019 13:20:28 GMT -5
I just know that if selling my house doesn't net me enough to pay them off, they'll be the first thing I focus on with my former mortgage payment. You may want to hold off on that now. Aren't you a disabled vet? Not disabled enough to qualify but who knows? If they magically disappear, I won't complain. I'll look into to specifics but I think it's "totally and completely" and I'm 80%.
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nidena
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Post by nidena on Oct 2, 2019 21:39:01 GMT -5
So, y'all are gonna love this:
I went and visited this woman today. I asked her if she had tackled her situation. "No." But the best part: She went and got a new puppy so that her four/five-year old dog would have a playmate. I told her "You are NOT allowed to complain about money again!"
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Post by Deleted on Oct 3, 2019 7:23:57 GMT -5
So, y'all are gonna love this: I went and visited this woman today. I asked her if she had tackled her situation. "No." But the best part: She went and got a new puppy so that her four/five-year old dog would have a playmate. I told her "You are NOT allowed to complain about money again!" Oh, crap. I'm animal-friendly but not a pet person and I never get why people who are barely scraping by own pets. A friend who once told me she didn't have the money to get new dentures (her current ones didn't fit well and she was a professional speaker so being able to enunciate was important) later started a GoFundMe for her doggie- Doggie chewed up part of a rug and ended up with lengths of yearn threaded through her intestines and needed $6,000 worth of surgery. I'm happy to say the surgery was a success, but that story is one of the reasons I don't want the responsibility of a pet.
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nidena
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Post by nidena on Oct 3, 2019 9:18:40 GMT -5
And not just any dog! She got another large breed like the golden lab she already owns. Then she was complaining about how her dog sitter charges her $360/mo. I told her: That's cheap!! "Well, the doggie day care charges only $300." Then take them to the doggie day care.
She'll be in a budget deficit for the rest of her senior citizen life.
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raeoflyte
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Post by raeoflyte on Oct 3, 2019 9:32:18 GMT -5
My in-laws are like that. They got a kitten to keep their current cat company on a 2 week vacation they're taking because no one will house sit for the current demon cat and boarding is so expensive. I'm thinking the 2nd cat is going to cost them a heck of a lot more than what boarding would have for the first. But I just smile and nod, or frown and nod. Whichever is most empathetic to their current state.
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NastyWoman
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Post by NastyWoman on Oct 3, 2019 17:03:31 GMT -5
... I'm animal-friendly but not a pet person that is so me. I like dogs well enough and I love cats but I just don't want the responsibility of taking care of a pet at this stage in my life.
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