"i think i'm just happy"--nirvana
and it gets worse! (how!?)
ok sharla, i was on the phone with the loan people when i saw your comment, the same time i was asking about graduated repayment. i have 3 options: 1. grad. repayment, 2. % of my income, that i have to write a letter for EACH year and 3. basically a 6 month reprive, but the payment goes up.
the first loan guy said that if i consolidated, the interest rate would increase almost 2% and my payment would only be like $40 cheaper, not to mention stretched out over 30 years!?! 30 years!? i'll be like 55!! i'd rather be paying off a house than my school! so i...hung up. i cried, a lot, my door was closed and i teared up, a lot. i couldn't help it, i think i got some sympathy, but nothing like "you know what? we'll just forget all about them", nope, not that i was going for anything like that to just erase my $32,451.27 in loans, but ya know, whatever. anyways, i'm a tad calmer now, but it is still freakin' ridiculous. i am more pissed off that when i was getting these loans, no one said how hard it would be to consolidate (thank you small print, b/c i bet that's where it is).
and maybe a small part of me wished i DID have a college trust fund tucked away somewhere, but it doesn't look like that's falling out of the sky anytime soon. and besides, my parents paid for EVERYTHING else while i was in school, so i could just live, and they are not who i'm mad at, it's pretty much me wishing i made more money at this point in my life...don't worry i'm not quitting my day job.
edit:
i called my mom, she finally answered, i told her what's going on, her replies?
1. i TOLD you to join the military, didn't i? imagine having to pay those off...i told her mom, i'm not joining the army (i felt like adding an expletive before "army" but i didn't)
2. i TOLD you to go to UT, but you said you wanted to go to baylor, you KNEW it was expensive. (right, EVERYONE i KNEW went to UT, that's why i didn't want to go, and who was it that said, it would all work out when i accepted baylor's offer?...yeah, right, thanks mom**)
**when my mom said it was ok, i could just pay both of them, i replied, $700!?! mom, i want to move out! then she replied with #2 response.
THEN, my dad called, he says, "what's going on?"
i was much calmer with my dad
for a mother who wants me to live at home forever and a father who thinks i should be able to do what i want, they sure do have warped emotional comfort...my mother basically tells me i made wrong choices and my dad tells me we'll figure it out. whatever.
peace out
ok sharla, i was on the phone with the loan people when i saw your comment, the same time i was asking about graduated repayment. i have 3 options: 1. grad. repayment, 2. % of my income, that i have to write a letter for EACH year and 3. basically a 6 month reprive, but the payment goes up.
the first loan guy said that if i consolidated, the interest rate would increase almost 2% and my payment would only be like $40 cheaper, not to mention stretched out over 30 years!?! 30 years!? i'll be like 55!! i'd rather be paying off a house than my school! so i...hung up. i cried, a lot, my door was closed and i teared up, a lot. i couldn't help it, i think i got some sympathy, but nothing like "you know what? we'll just forget all about them", nope, not that i was going for anything like that to just erase my $32,451.27 in loans, but ya know, whatever. anyways, i'm a tad calmer now, but it is still freakin' ridiculous. i am more pissed off that when i was getting these loans, no one said how hard it would be to consolidate (thank you small print, b/c i bet that's where it is).
and maybe a small part of me wished i DID have a college trust fund tucked away somewhere, but it doesn't look like that's falling out of the sky anytime soon. and besides, my parents paid for EVERYTHING else while i was in school, so i could just live, and they are not who i'm mad at, it's pretty much me wishing i made more money at this point in my life...don't worry i'm not quitting my day job.
edit:
i called my mom, she finally answered, i told her what's going on, her replies?
1. i TOLD you to join the military, didn't i? imagine having to pay those off...i told her mom, i'm not joining the army (i felt like adding an expletive before "army" but i didn't)
2. i TOLD you to go to UT, but you said you wanted to go to baylor, you KNEW it was expensive. (right, EVERYONE i KNEW went to UT, that's why i didn't want to go, and who was it that said, it would all work out when i accepted baylor's offer?...yeah, right, thanks mom**)
**when my mom said it was ok, i could just pay both of them, i replied, $700!?! mom, i want to move out! then she replied with #2 response.
THEN, my dad called, he says, "what's going on?"
i was much calmer with my dad
for a mother who wants me to live at home forever and a father who thinks i should be able to do what i want, they sure do have warped emotional comfort...my mother basically tells me i made wrong choices and my dad tells me we'll figure it out. whatever.
peace out
