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Joe's Debt (sob story)
some whiner | 2007 | Joe

Posted on 11/07/2007 10:51:58 AM PST by dynachrome

I didn't immediately realize, as I made my way through the enrollment lines at college, how much it was going to cost me to live in Pasadena. My college had no dormitories so all students had to find off campus housing and transportation to get to get to school. Tuition averaged $11,000.00 per semester and the school ran 3 continuous semesters per year.

In a sincere effort to fund my education, I turned to my college financial aid office, where advisors never even suggested federal funding or grants etc. . They simply directed me to private loan companies, who were more than wiling to lend me twenty thousand dollars when I needed it; which was each semester. It was a smooth process.


TOPICS: Business/Economy; Culture/Society
KEYWORDS: debt; education; imstupidpleasehelpme; lightningrod; studentloan; whiner; zot; zotbait
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To: dynachrome
www.daveramsey.com

I am thinking of donating him a book.

61 posted on 11/07/2007 12:09:17 PM PST by ThisLittleLightofMine
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To: thefactor

Yes, I read it. He whines about the job he took not offering insurance. Sorry he got sick. You want to hear my sob story?
He is also over on LP. Claims can’t get a job in film now.
“I had no control over that. I had everything going for me — I am not looking for sympathy”


62 posted on 11/07/2007 12:10:28 PM PST by dynachrome (Immigration without assimilation means the death of this nation~Captainpaintball)
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To: pgkdan

Again,

another person who has done no research on Art Center.

Zack Snyder : FILM 300 -— graduated Art Center - started directing COMMERCIALS...

Michael Bay: FILM TRANSFORMERS -— graduated Art Center -— started OH WAIT A MINUTE!!!

COMMERCIALS!!!

do your research. these are the two biggest directors in hollywood today!


63 posted on 11/07/2007 12:12:40 PM PST by joeperez
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To: thefactor; joeperez

I would also inquire if Joe is disabled? Unable to hold any job? Too good for say, I dunno, local advertising gigs?


64 posted on 11/07/2007 12:12:51 PM PST by dynachrome (Immigration without assimilation means the death of this nation~Captainpaintball)
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To: dynachrome
“job as a creative director”

Cash flow is an essential for CDs since dope can't be bought with a credit card. Same deal for graduates seeking a job as "lead singer."

65 posted on 11/07/2007 12:13:36 PM PST by sbMKE
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To: joeperez

Joe, I gotta say I give you credit for standing in here and answering. I will say I don’t believe the name of the school you graduated from really means anything. Kerry went to Harvard and he is scum. What you make out of your opportunities will determine how your life goes. your opportunities are more limited than some because of your medical condition I presume. Mine are limited, because I was a dumbass when younger. I deal with it.


66 posted on 11/07/2007 12:17:30 PM PST by dynachrome (Immigration without assimilation means the death of this nation~Captainpaintball)
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To: ThisLittleLightofMine

“donating him a book”
Dave Ramsey is the best. Dunno if it would help this guy. Wrong attitude.


67 posted on 11/07/2007 12:20:29 PM PST by dynachrome (Immigration without assimilation means the death of this nation~Captainpaintball)
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To: joeperez
Hey, Joe! There's a link missing from your Links page:

Dave Ramsey

I think you could benefit from clicking on it yourself, btw.

68 posted on 11/07/2007 12:20:41 PM PST by Ignatz (There's no place like 127.0.0.1....there's no place like 127.0.0.1....)
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To: joeperez

Quick question - what is an acclaimed film student and would be commercial whiz kid doing trying to make money with a website? Who’s writing the script for this director?

Peter Jackson, David Lean, Michael Moore, Quentin Tarantino, Stanley Kubrick and John Woo were all high school dropouts - missing out on Art Center hasn’t seemed to hurt them.

I can’t tell you what commercials they directed, but can tell you they didn’t need fancy diplomas and student loans to make a mark. Taste and talent simply can’t be taught - regardless of what your ART CENTER RESEARCH TOLD YOU YOU’VE BEEN TAKEN FOR A RIDE!


69 posted on 11/07/2007 12:29:16 PM PST by sbMKE
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To: joeperez
I miss you more then Michael Bay missed the mark
When he made Pearl Harbor
I miss you more than that movie missed the point
And that’s an awful lot girl
And now, now you’ve gone away
And all I’m trying to say is
Pearl Harbor sucked, and I miss you

I need u like Ben Affleck needs acting school
He was terrible in that film
I need u like Cuba Gooding needed a bigger part
He’s way better than Ben Affleck
And now all I can think about is your smile
and that shitty movie too
Pearl Harbor sucked and I miss you

Why does Michael Bay get to keep on making movies?
I guess Pearl Harbor sucked
Just a little bit more than I miss you

70 posted on 11/07/2007 12:30:01 PM PST by rednesss (Fred Thompson - 2008)
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To: joeperez
Dear Joe; I read your website and I think you're pretty brave to come on FR. I have sympathy for your situation, too. Just my two cents is that what happened to you could happen to anyone, even those with health insurance. Unexpected medical costs are the # 1 cause of bankruptcy.

Your problem is awful, though, and I can see how you'd feel the way you do. You are definitely in a situation that no one here would want to be in.Hashing over how you got there really is irrelevant now anyway, cause you're there.

But your talent and creative juices are still working, and the innovation and skills that led to your winning the prize you still have.

I urge you to keep applying those talents to finding a way out. You never know what can turn up if you just keep trying, and focus on your desired outcome.

Good luck to you, son.

71 posted on 11/07/2007 12:38:34 PM PST by Red Boots
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To: Palladin

And I just had an electrician charge me $195 to replace two wall receptacles.


72 posted on 11/07/2007 12:38:46 PM PST by Alice in Wonderland (Hey, Rudy, remember Neponsit?)
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To: mrmargaritaville

“trade-platerers and masons are in demand.”

I’m reminded of the story of the doctor who called a plumber to his house to fix the plumbing. when presented with the bill, the doctor was outraged. “Why I’m a doctor and I don’t make that kind of money.” The plumber replied, “Yeah, I know, used to be a doctor myself. that’s why I became a plumber.”


73 posted on 11/07/2007 12:44:08 PM PST by texaslil (LOL)
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To: joeperez
This whole thing is just a pack of lies from beginning to end. My wife needed an ablation after suffering from a racing heartbeat over 200 bpm - chronically over the course of 2 years. She carried a pregnancy with the condition.

This isn't an uncommon condition, it does not require teams of doctors to stabilize and it sure as heck does not require 12 months of recovery. After my wife's ablation, she was released from the hospital the same night. Any complication around the incision can be very very serious, but recovery shouldn't take more than a few weeks. She was back at work in 1 week, and we were very conservative.

Joe's story:

Then... out of the blue, I awoke one morning with my heart beating incredibly fast and my nose bleeding. My heart rate was up to 180 beats per minute. After five minutes my heart rate went from racing to irregular. It wouldn't stop. I was rushed into the emergency room at a local hospital where a team of three doctors worked hard to stabilize me. They did, but the outcome was that it was decided by a heart specialist that I needed an "ablation". This was to correct the extra electrical currents that had caused my heart to go into Atrial Fibrillation ( irregular heartbeat ).

74 posted on 11/07/2007 12:54:35 PM PST by sbMKE
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To: Red Boots; joeperez
Good luck to you, son.

Wow. Compassion on Free Republic? I haven't seen that in a long time!

I can relate to Joe's story. When I was in college and discovered student loans, it was as though I won the lottery! After I finished college, I stuck my head in the sand thinking they would go away. Eventually, reality came knocking at my door and now I am content to make very reasonable $110/month payments to rid myself of this debt. But $1600/month??? I don't doubt it at all! Now you can turn on the TV and see all kinds of advertisements aimed at college students for student loans. They show smiling young people with wads of cash in their hands and I have no doubt that these ads get a lot of people signing up.

Eventually, the bill comes due. I don't see how many of these loan companies can expect a recent college grad with an entry level job to cough up $1600/month in loan payments. They probably barely take home that kind of money. What's the saying? "You can't draw blood from a rock."

I forsee student loan payments to be an issue that politicians will address in the near future. Most likely, the taxpayer will wind up bailing out a lot of people like Joe who got in way over their heads in student loan debt (and there are A LOT of people in this situation Joe isn't alone).

75 posted on 11/07/2007 1:03:23 PM PST by Drew68
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To: sbMKE
This whole thing is just a pack of lies from beginning to end..... I do believe that sums it up. Everyone entering college checks out financial aid, unless you are so rich you don't care. Banks do NOT hand out 200k in loans to the penniless and unemployed, without co-signers. Hospitals ASK about insurance (every time), and if you don't have it, they tell you your options (payment plans, aid available, etc). You point out problems with the whole medical thing. My scam-o-meter is pegged.
76 posted on 11/07/2007 1:07:26 PM PST by bobsatwork
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To: sbMKE

Yes,

I was released the next day.

But, talk to the doctors — the recovery period for the tissue in your heart is 6 to 8 months... sometimes a full year - to see full benefits of the procedure.


77 posted on 11/07/2007 1:10:27 PM PST by joeperez
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To: texaslil

Ya,

I am going to become a plumber.. what are you sir?

shouldn’t you do , what you are good at?

Conservative america is why the world hates us.


78 posted on 11/07/2007 1:10:27 PM PST by joeperez
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To: joeperez
do your research. these are the two biggest directors in hollywood today!

Who gives a sh*t. Why in the hell would any intelligent person research hollywood directors? You want to research it, knock yourself out.

79 posted on 11/07/2007 1:19:46 PM PST by pgkdan (Tolerance is the virtue of the man without convictions - G.K. Chesterton)
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To: joeperez

I didn’t read your story, but I do know that the way student loans are set up and presented are not good. IIRC, there have been scandals in terms of kickbacks, etc.

Is there any way you could re-enroll in a local community college in order to get your loans put on hold? You could probably get some decent health insurance there.

I had a serious loan screw-up that was the fault of the bank, and took YEARS to clear. It messed up my life for several years and destroyed my credit. While completely different, my situation makes me quite sympathetic to yours.

Best of luck to you.


80 posted on 11/07/2007 1:23:49 PM PST by Patriotic1 (Dic mihi solum facta, domina - Just the facts, ma'am)
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