So... I got the yearly letter from Sallie Mae...
But before I get to the point of it, I have to bitch for a second.
They email you these password-encrypted PDF files. You used to have to enter your SSN to view them. But I guess b/c people are scared of identity theft etc they have moved away from that. So now you have to enter some ridiculous code- it's like your 10 digit account number plus your birthday plus the date of your loans. 2 of 3 of which I don't know, and never will. So, the other option is to log in to the website and view it there.
So I go there, and enter my user ID, and try my standard password. It's wrong. Try my other standard password. Still wrong. Take a stab at a third. Also wrong. So then I'm logged out. So I go to the "forgot password" page. correctly answer all 3 security questions. Does it tell me my password? NO. It makes me change it. So I enter in desired password. No good- cannot be the same as any of the last 5 passwords.
Which means I enter something random that I will never remember. so next time this happens, I will not know the password and will have to change it all over again. What a retarded system.
[yes I understand I could just write the password down somewhere, but that is not a good solution.]
But now on to the good part.
So I finally get the letter open. It tells my that my deferment is up 7/14, and my loans will go back into repayment status then. All $182,495.10 of them. At the tune of $700 monthly payments until the year 2038. I can NOT afford that.
So, I go to the deferment page, like I have for the last five years. Click on the "economic hardship" deferment- which requires me to send them a pay stub, showing that my loan payments are more than XX% of my income (I think the requirement is 20%?), and thus not do-able at this time.
And when I click on it, what comes up?
"you are not eligible for this deferment". Why not?
"time limit has been reached".
I guess I'm only allowed to defer for 5 years for economic hardship.
WTF! I still have two years of training left! None of the other deferment options seem to apply, either.
I absolutely CANNOT afford to start paying $700/mo next month.
Shite.
I have to figure this out.
at least my interest rate is still locked in at 2.875.
Jenks's Journal
My Podcast Link
05/30/2008 17:12 #44490
ACK! WTF, sallie mae?!05/26/2008 15:38 #44455
weekend...So, for the first time in quite a while, I had a weekend off and actually took advantage of it!
Friday night went to Dan's mom's place on chautauqua lake. Put his boat on the water the next day. it was cold and really windy, so he didn't catch anything, and I didn't even try. But somehow managed to get totally sunburned nonetheless. Then that night some people from work came over for burgers on the grill, which was totally fun, too.
Then yesterday he put the boat back in the water on the river and we went to strawberry island, where I picked up a fishing pole for the first time in my life- and caught FOUR fish! I totally couldn't believe it. there were a bunch of other boats out there, too, and they were getting pissed at us b/c they weren't catching anything. I don't know what they were doing wrong, b/c I certainly didn't know what I was doing. Beginner's luck, maybe. We were out for about 3 hours, and dan caught 13, compared to my 4. But, I caught the first fish, AND the biggest fish. Woohoo!
Check me out! (and ignore the fact that I look like I need chin liposuction. ew.)
Then last night went to a dinner party in rochester, which was great. awesome food, and amazing wine. It was at a couple's house who both work for wine importers/distributers and have this amazing wine cellar.
We were supposed to come back last night, but were too drunk to drive, so we crashed there, and then met up with some other friends for breakfast this AM, and headed back.
Now I'm back. All in all a great weekend- except that I'm exhausted now.
Welcome summer!!!!
Friday night went to Dan's mom's place on chautauqua lake. Put his boat on the water the next day. it was cold and really windy, so he didn't catch anything, and I didn't even try. But somehow managed to get totally sunburned nonetheless. Then that night some people from work came over for burgers on the grill, which was totally fun, too.
Then yesterday he put the boat back in the water on the river and we went to strawberry island, where I picked up a fishing pole for the first time in my life- and caught FOUR fish! I totally couldn't believe it. there were a bunch of other boats out there, too, and they were getting pissed at us b/c they weren't catching anything. I don't know what they were doing wrong, b/c I certainly didn't know what I was doing. Beginner's luck, maybe. We were out for about 3 hours, and dan caught 13, compared to my 4. But, I caught the first fish, AND the biggest fish. Woohoo!
Check me out! (and ignore the fact that I look like I need chin liposuction. ew.)
Then last night went to a dinner party in rochester, which was great. awesome food, and amazing wine. It was at a couple's house who both work for wine importers/distributers and have this amazing wine cellar.
We were supposed to come back last night, but were too drunk to drive, so we crashed there, and then met up with some other friends for breakfast this AM, and headed back.
Now I'm back. All in all a great weekend- except that I'm exhausted now.
Welcome summer!!!!
theecarey - 05/26/08 19:43
hey, thats a good size fish! @ 6lbs, maybe? nice job :) Looks like a bass.."Small bass"? I'll be fishing for the first time myself sometime soon. I've always wanted to give it a try.. always nice to be outdoors, but never found the opportunity to learn to fish. Something about sitting in a boat, or on a chair in a stream with a cooler and a fishing rod, relaxing under the summer sun seems so appealing. Did you like it enough to do it again? Seems the season has kicked off. Right now it is "catch and release" unless in Lake Eerie?
Anyway, nice picture, be proud! Sounds like a really nice weekend was had. Love that you have friends with a really great wine cellar.
hey, thats a good size fish! @ 6lbs, maybe? nice job :) Looks like a bass.."Small bass"? I'll be fishing for the first time myself sometime soon. I've always wanted to give it a try.. always nice to be outdoors, but never found the opportunity to learn to fish. Something about sitting in a boat, or on a chair in a stream with a cooler and a fishing rod, relaxing under the summer sun seems so appealing. Did you like it enough to do it again? Seems the season has kicked off. Right now it is "catch and release" unless in Lake Eerie?
Anyway, nice picture, be proud! Sounds like a really nice weekend was had. Love that you have friends with a really great wine cellar.
paul - 05/26/08 16:02
I never have been to strawberry island. I remember always hearing as a kid that it was going away. I just kind of assumed it was gone by now.
I never have been to strawberry island. I remember always hearing as a kid that it was going away. I just kind of assumed it was gone by now.
05/22/2008 22:23 #44425
trade in your phone?If any of you are like I am (I'm looking at you here Paul) and have a cell phone/ipod graveyard... this site might be good.
They buy your old phones/mp3 players.
They don't give you a ton of money, but then again, it's better than the zero I get paid for having them collect dust in my closet since i can't bring myself to throw out a first generation ipod that cost like $500 new and now is worth about $0.50.
If I turn in four ipods and 3 phones, they'll pay me about $150.
worth checking out...
They buy your old phones/mp3 players.
They don't give you a ton of money, but then again, it's better than the zero I get paid for having them collect dust in my closet since i can't bring myself to throw out a first generation ipod that cost like $500 new and now is worth about $0.50.
If I turn in four ipods and 3 phones, they'll pay me about $150.
worth checking out...
hodown - 05/23/08 09:11
Actually this is great. I too collect old electronic junk and can't ever bring myself to throw it out. Maybe if I'm getting paid to throw them out I'll feel better..
Actually this is great. I too collect old electronic junk and can't ever bring myself to throw it out. Maybe if I'm getting paid to throw them out I'll feel better..
fellyconnelly - 05/23/08 07:02
you should go checkin out how much you could sell each on on ebay first...
you should go checkin out how much you could sell each on on ebay first...
05/21/2008 15:19 #44409
matched!So... the match is over.
I got my third choice- UConn.
I think I'm about 90% psyched, and about 10% bummed I didn't get number one or two.
But bottom line- I have something. No more worrying about interviews etc.... now I just have to make it til next june without getting myself fired!
;)
I got my third choice- UConn.
I think I'm about 90% psyched, and about 10% bummed I didn't get number one or two.
But bottom line- I have something. No more worrying about interviews etc.... now I just have to make it til next june without getting myself fired!
;)
imk2 - 05/22/08 23:08
congratulations!
it'll be sad when you're gone. it's so weird to think that you're going to leave us. it's like a sad episode of grey's.
speaking of grey's....did you watch the season finale? i was very impressed with karev....i got this weird feeling that he was channeling his own mental issues when dealing with rebecca. the scene where he broke down, was spot on. didnt seem like acting at all.
congratulations!
it'll be sad when you're gone. it's so weird to think that you're going to leave us. it's like a sad episode of grey's.
speaking of grey's....did you watch the season finale? i was very impressed with karev....i got this weird feeling that he was channeling his own mental issues when dealing with rebecca. the scene where he broke down, was spot on. didnt seem like acting at all.
ajay - 05/22/08 12:28
Dammit!
I was counting on you coming to this neighborhood so you could prescribe me some "medicinal" herbs....
Dammit!
I was counting on you coming to this neighborhood so you could prescribe me some "medicinal" herbs....
jenks - 05/22/08 12:03
yep, hartford. And yes, it's pretty close to home. Just realized I haven't lived within driving distance of home since '97.
And no need to panic- I still have to finish next year here, so I'll be here til june '09.
yep, hartford. And yes, it's pretty close to home. Just realized I haven't lived within driving distance of home since '97.
And no need to panic- I still have to finish next year here, so I'll be here til june '09.
tinypliny - 05/21/08 22:05
ooooohh... So is it going to be The Hand then?
You shall be The Connecticut Jenksy in The Thing's Court.
Yeah, my humour level is running especially dry today.
ooooohh... So is it going to be The Hand then?
You shall be The Connecticut Jenksy in The Thing's Court.
Yeah, my humour level is running especially dry today.
chico - 05/21/08 22:00
Congratulations, jenksy! I just know you will make the most of it and have a great experience at UConn. And it's pretty close to NYC -- bonus!
Congratulations, jenksy! I just know you will make the most of it and have a great experience at UConn. And it's pretty close to NYC -- bonus!
libertad - 05/21/08 18:58
Congrats and make sure to come back to visit and or move back. Think about the house you can get later on for the money in comparison to other places....or maybe that isn't true anymore. I think Buffalo's market might be better than a lot of others out there. You just never know when we can make a come back.
Congrats and make sure to come back to visit and or move back. Think about the house you can get later on for the money in comparison to other places....or maybe that isn't true anymore. I think Buffalo's market might be better than a lot of others out there. You just never know when we can make a come back.
mrmike - 05/21/08 16:32
Exactly, think of where it could have gone. Isn't Hartford close to home? there has to be a few perks there.
Exactly, think of where it could have gone. Isn't Hartford close to home? there has to be a few perks there.
leetee - 05/21/08 16:25
UConn? Connecticut?
Try to focus on the pysched part!! Least you didn't get choice number 20!!
Congrats!
UConn? Connecticut?
Try to focus on the pysched part!! Least you didn't get choice number 20!!
Congrats!
05/19/2008 16:43 #44393
Misc photo dumpsome pix that have accumulated lately...
My niece/nephew- due Halloween.
This is right up there with the Acme Nipple Mfg Co. I love it.
A couple weeks ago I went to go see the Reverend Horton Heat at the Tralf. Before going, met up with a friend, who was talking about how last time he saw the Rev, he almost got in a fight with some bikers. I figured he was 'telling tall tales'.
Well, then I actually went to the show, and this sign was posted outside the door.
(then unfortunately I got called to work, and had to miss the entire show.)
The hospital in Portland. Not too shabby, for a hospital.
On one of my interview trips, I walked up to my gate, only to see this. it was like 2 in the afternoon. Not really a good time/place to be sleeping on the floor. It's not like there were no seats available. A few minutes later her ?daughter came up and put a blanket on her. Really? We are condoning sleeping on a nasty airport floor?
The beginning of my airline woes with American. This was one of like 8 monitors. Everything yellow is cancelled or delayed.
yeah.... way to go air travel!
This has been written on the board at work for the last couple weeks.
teehee... cocaine shortage... snort.
And in other news-
My "match day" is wed. At noon I find out where I will be spending 2009-2010. Wish me luck!!! I'm starting to get nervous.
My niece/nephew- due Halloween.
This is right up there with the Acme Nipple Mfg Co. I love it.
A couple weeks ago I went to go see the Reverend Horton Heat at the Tralf. Before going, met up with a friend, who was talking about how last time he saw the Rev, he almost got in a fight with some bikers. I figured he was 'telling tall tales'.
Well, then I actually went to the show, and this sign was posted outside the door.
(then unfortunately I got called to work, and had to miss the entire show.)
The hospital in Portland. Not too shabby, for a hospital.
On one of my interview trips, I walked up to my gate, only to see this. it was like 2 in the afternoon. Not really a good time/place to be sleeping on the floor. It's not like there were no seats available. A few minutes later her ?daughter came up and put a blanket on her. Really? We are condoning sleeping on a nasty airport floor?
The beginning of my airline woes with American. This was one of like 8 monitors. Everything yellow is cancelled or delayed.
yeah.... way to go air travel!
This has been written on the board at work for the last couple weeks.
teehee... cocaine shortage... snort.
And in other news-
My "match day" is wed. At noon I find out where I will be spending 2009-2010. Wish me luck!!! I'm starting to get nervous.
fellyconnelly - 05/20/08 08:25
great pics!
great pics!
metalpeter - 05/19/08 19:55
Liquid Cocaine the same thing? On a side note there was some drink called that, that killed a few people it was some kind of Redbull and Liquar mixed that people had to many of them and their hearts would stop because of the effects they have on each other.
Liquid Cocaine the same thing? On a side note there was some drink called that, that killed a few people it was some kind of Redbull and Liquar mixed that people had to many of them and their hearts would stop because of the effects they have on each other.
mrmike - 05/19/08 18:25
Best wishes for a good destination. Hope you get someplace cool in every sense.
Best wishes for a good destination. Hope you get someplace cool in every sense.
imk2 - 05/19/08 17:02
heh...my step father used to work for curtis screw.
heh...my step father used to work for curtis screw.
Call them!!! Forbearance won't last long but you should be able to finance for 30-50 years.
How do you continue to take out loans and maintain such a low interest rate??? Making 24 consecutive payments only lowers my interest to 3.4%.
Oh yeah, you should just ask for income sensitive payments.
I think there has to be some way of getting a lower payment a month. I thought if you were still undergoing schooling, you automatically got a deferment?
yeah, i need to brush up on the difference between deferment and forbearance, all I remember is that deferment is "better" for some reason.
Unfortunately, somehow even interest-only payments come out to like $400/mo.
I emailed them, something will work out.
I don't really remember what forbearance is. What you might want to try and find out is how much the payment would be if you only pay the interest vs. the payment they are giving you now. It might be possible to reduce how much money you have to send them each month but I'm not really sure.
yeah, it is a good rate.
It looks like I might have to go the forbearance route. Hopefully that will work.
That sucks. Hope you can find a solution. That is a nice rate though.