Student Loans

I work as a financial aid officer here in Memphis and if anything gets me heated it is this student loan chaos.  I myself have racked up quite a bit of student loan debt but only because I have never been eligible for a Pell Grant…because I actually work and make a decent living.  The fact that I’m an independent woman (and no, I don’t say that with an attitude..just husbandless) with no children and  support myself just enough to get by every month, the government says they don’t want to let me in on this freely flowing money so many are able to get semester after semester.  Did you know that if you can truthfully answer yes to the question, “Do you receive food stamps?”, you are automatically eligible to get the FULL Pell Grant?!  Have you ever been at risk for being homeless?  Not sure what that means but yea…full Pell Grant there too.  The kicker is, even if you don’t answer questions such as these truthfully, there is a 50% you will still get away with it and receive this hefty “award” all throughout your college career.  So I guess besides having an income and not having any children, you have to be honest too.  Not saying all people that qualify for grants are the opposite of these things because I have witnessed responsible students.  I guess the thing that gets to me the most is that so many people take this privilege for granted.  You know how I know this? On top of getting a Pell Grant that can pay for more than HALF of your tuition (and the amounts are increasing yearly), people are still choosing to max out their student loans on top of this so they can live off of that refund check every semester.  Working full time and going to school is just out of the question.  What once was meant to help students avoid the black hole of life-long debt  has now become an enabler to do just so.  I am a daily witness to people literally depending on these checks to keep the lights on…a loan that is meant for education.  The same loan that I will soon run out of (there is a lifetime max of undergrad loans) to actually pay for my education.  I am sitting here worried that I won’t be able to finish my college career before I hit the limit while others are waiting on that money twice a year to buy the newest flat-screen.  It’s just crazy that people are voluntarily building debt when our government that everybody hates is actually willing to help.  Take advantage of this hand-out people!!! Because there are those of us out there that will never know the feeling. That is all:)

30 thoughts on “Student Loans

  1. After reading your blog, it made me feel like you are upset that you cant get help with your education. sorry but maybe you school think about choosing a cheaper school to attend. Dont get upset about others using their refund check to pay their MLGW bill or whatever they choose to do with it.

    • I shouldn’t have to lessen my education. My point really is that the stipulations to get a grant are ridiculous and half of the people that qualify only do so because they don’t file taxes because they choose not to work…or they are not being honest on the FAFSA… I don’t genuinely care what people do with their’s the fact that there are so many people that would like to actually use their grant money for education and can’t do so.

      • I work full time and go to school full time, And Just because I get student loans and use it to pay off other bills and not use it on my education, Im wrong? You have to repay it; therefore, it can be used on whatever you choose……

  2. I always thought that if you did not answer the questions truthfully, they would investigate and if found untruthful you would owe back pay…. Uncle Sam is nothing to play with when filling out documents…… But it doesn’t matter because the Pell Grant only last so long before it reaches its limits

  3. I am empathetic to your inability to receive the Pell, but being judgmental in the fact by saying people who do receive Pell and Loans re jobless is nonsense. I have worked my way through all of my education, Associates and now my Bachelors either working 60-80 or working two jobs and going to school full time. I am twice divorced and clearly want a future for me and my children my ex’s on the other hand never wanted anything but to lay around. Though ask yourself this if your education allowed you to receive Pell and you put a little towards your MLGW was paid — there is no harm because now you can pay attention to your education rather than the stresses of that bill.

    • Clearly people have missed my point on this. And when people talk rather loudly outside after class about me and my opinions they think I have on this subject without just asking me to explain myself, it then becomes another issue. I am not judgmental in any form or fashion. Sorry if I came across that way.

  4. Just out of curiosity, since you said your are husbandless, when you file for FASFA, do you have to register as a dependent student because you have no one else to care for? This plays a major roll in what you do or don’t get. In all of your financial aid for that matter. If you’re still considered dependent according to FAFSA, they are not going to make decisions based on what you have, but they will be made based on your parents.

  5. It is unfair for you to get mad about people “living” off of their refund checks. A lot of traditional students do not want to have to work if they don’t have to. It is okay for people to not want to work and focus on their education. If you get enough money to do so I think it is okay for them to live off of their refund check. I also do not see this as irresponsible to take max loans because you do not know anyone’s situation. Some of the people taking max loans could be working hard and the refund check puts theme over until they graduate. You need know people’s situations.

  6. I work full time and go to school part time. Even though I still live at home, I still have bills. I live almost an hour away from school and gas isn’t cheap. I applied for the FAFSA and was approved. When I get my refund check twice a year, I do live off of it. I pay bills, provide food for myself, etc. I’m single with no children, but I do have a dog, and he’s not cheap either. I have to pay part of my health insurance. My job pays about 50% a month for that. I do not have dental or vision insurance. I have to pay out of pocket for that. I also need toiletries, clothes, and your basic everyday needs. All of that costs money and I’m not ashamed to say my loans help pay for that. I rarely get materialistic things(i.e. tv) unless it is when I get my tax return or I ask for it for Christmas/birthday.

  7. Student loans can be a real burden to repay. It is important to take your time making them and understand what you are getting into before signing on the dotted line. Think about whether or not a loan is really necessary, and if it is, shops around for the best rate. I am willing to get best dissertation to complete my pending work on time. Most importantly, do not use student loans as an excuse to spend money you do not have in order to enjoy life while you’re still young. Remember that when you graduate college, the bills will be piling up fast!

  8. If you are looking for a truly reliable business law essay help to entrust your academic grades with, Great Assignment Helper is the one! Besides giving top notch, completely unique and non-plagiarized assignment help, our 24X7 support works wonders for you. Unarguably, our charges are the cheapest!

  9. When looking for a CV writing service, consider how professional it is. You will want to know that a professional will take the time to understand the nature of your profession and what employers are looking for. You will also want to choose a service that provides editing services and takes the particular conventions of your country into account. These tips will help you choose a top-rated CV writing service, so visit website. And remember that while it is possible to find a cheap CV writing service, it is important to do some research to ensure that you’re getting the most effective service.

  10. Thank you, for me as a student this is really useful information. I think students should have more freedom to choose their profession. Now I am studying at the Faculty of Engineering and I am glad that I chose the right path, but many could not enter where they wanted to. I can recommend service BestEssay to all students, thanks to this your preparation will become better and you will enter wherever you want

  11. I’m writing on this topic these days, totosite, but I have stopped writing because there is no reference material. Then I accidentally found your article. I can refer to a variety of materials, so I think the work I was preparing will work! Thank you for your efforts.

  12. Bro, the website itself shows how great is this for. Ive been working for months already and im still gathering my thoughts on how will i finish my projects so i thank you sincerely. Hope that you could notice message. Keep it up. You can also check and try mine. สมัครคาสิโน

  13. Experts have rated the Testsfile’s Best CKA pdf dumps – sample questions and answers as the most important preparing material. CKA Exam dumps provide you with the necessary information to answer each and every question in the CKA dumps pdf questions. The CKA cheat sheet and exam cram cover all of the Certified Kubernetes Administrator exam topics and will help you clear any worries you may have about the exam. The CKA dumps pdf questions will assist you in achieving excellent results on the Kubernetes Administrator certification exam.

  14. As I am looking at your writing, baccaratcommunity I regret being unable to do outdoor activities due to Corona 19, and I miss my old daily life. If you also miss the daily life of those days, would you please visit my site once? My site is a site where I post about photos and daily life when I was free.

  15. Yes, it would be great if you get a car that matches your preferences and budget. I am sure there are many cars in the market that meet your needs, but if you are looking to take an interest only loan, they may not be the best option for you. That’s why I know about the Copilot app. Which you can take loan by paying good tax. I am telling all my friends about this app

  16. Even so, the road ahead will be rocky and turbulent. The road of life has a roller coaster, even in the future. I still grasp your hand as firmly as the day we first did even though my eyes are closed. basketball stars

Leave a Reply

Your email address will not be published.