Tuesday, September 9, 2008

Student Loans--Suck!

So tuition is due tomorrow before the late fee of $100 hits. Of course I correlate this as $200 because 2 people in my household are in school. Now my husband and I both applied for student loans to help us out. Well with no help from the school, we found out on Friday (5th) from UVU that we had unfinished business. Well after taking care of everything to get the loans underway (which under our accounts had been accepted), we still weren't going to make the deadline. After talking with financial aide again (their job must not be fun), they suggested a short-term loan with a co-signer. That mean that the full tuition wouldn't be due until October when-God willing-our loans had finally processed and been accredited to our account. After each of us called a favor of our mothers respectively to be our co-signers the short-term loan would take 48 to process. That should have been Monday. Well checking the status Monday and seeing that is was still being processed, I got nervous but of course I still had today (Tuesday) to take care of unsatisfied requirements. After checking today, both my and my husband's short-term loans were 'pending' and asked us to call the collections-which of course had all ready left for the day. We have until tomorrow at 5 pm to either get our loans to get to our account or get our short-term loan processed, neither of which I see happening-even though UVU assured us they would. So now we will have spent $40 each ($80) for the processing fee of the short-term loan-which didn't get processed in time-and end up paying another $100 each ($200) in late fees-which shouldn't have been applied because we paid the short-term loan fee-just to have our loan be applied the day after the fee hits-according to Murphy's Law.
Now to me that doesn't seem quite fair. The government has all ready turned me down for a grant claiming that according to my and my husband's taxes we should be able to contribute $4000 to school. Now if I had $4000 for school I wouldn't need to apply for such things as grants and loans but that's the Republicans for you. So being denied a grant, we apply for loans from the government-which of course they're all too happy to divvy out. Unfortunately the school hasn't helped us at all in the process, but of course they don't care because they just got $280 from me and my husband, and we're getting a loan anyway. I feel like I'm trying to better society by going to school and do it as independently as I can. This is my first loan-can't you tell. I want to better myself and society and no one is giving a helping hand. Gee it'd be nice if the school could help us out-but alas they just want money too. Maybe I'll do what so many others do-default to quitting my job, and having the government pay for everything while I do nothing. I won't work, I won't go to school, I won't better myself at all-the taxes of those who work (as I do now) can pay for everything for me. I work and try to go to school and stay out of debt, but unfortunately I don't get all of my earnings because others who have decided they don't want to work have the government to take care of them. The same government who takes my hard earns away from me, see that I want to go to school, still says I should be able to contribute $4000 toward school and still takes my money-then won't help me out when I need it. It's all about money. When did America's values shift from family and love to the dollar? Cities use to shut down for Thanksgiving and Christmas and it was expected that families got together for those holidays, now I could get fired for even thinking about wanting 1/2 of Christmas Day off.

DOESN'T REALLY SEEM FAIR

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