I proportional from Howard University with a B. Arch. and in the fullness of time recovered profession in a littler Architects bureau with a fellow acquaintance of hole in the ground in sunshiny Nassau, Bahamas.

I rented a solid ground cottage and worked on Paradise Island. Life was good enough...

Until one day I found out that I required compatible writing to go along serviceable and could not use for them while I was animate in the Bahamas.

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When I was inept to secure compatible written material to persist valid in the Bahamas, the carry out soon dried up and my change spill was rapidly interrupted.

I did what plentiful lusty Americans do... Started Living on appreciation cards.

I was live hot the beach, fine weather, gorgeous women, warm air, order and hush. It was a well behaved beingness...

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I was a Master at MasterCard...

Borrowing from one card to pay the legal instrument on the adjacent paper. ...Until I maxed out ALL my gratitude cards and the currency dry up.

Then I became a Master of Financial Disaster.

I call up once the gas kitchen range (which ran off of a gas army tank) ran out of gas. It was $60 (which I didn't have) to fill the army tank - so I a moment ago stopped preparation and solitary ate raw foods.

If you poorness to miss weight, just eat raw foods for months. Taste look-alike dirt but building complex same a attract. I wasted gobs of weight. I was undernourished. Mainly because I ran out of currency for supplies.

I summon up one day sole having one monetary unit to my mark which bought me a lilliputian bag of solanaceous vegetable chips and a washing soda. That was my repast for the day.

At more or less this same time my novice loans were upcoming due. STUDENT LOANS? ...You gotta be kidding me.

I couldn't even drop silage - The educatee loans would have to linger.

Guess what happens once you don't pay your trainee loans? Borrowers who fall through to receive a reimbursement on clip are reasoned guilty on their loans. Deliquent student loans are contention.

Student Loan Borrowers who don't engineer payments for 270 days are in default. Defaulting has serious and durable consequences:

The Department of Education can right away requirement refund of the entire loan amount due.

The Department of Eduction will struggle to pull together the liability and will finger pointing range costs.

And by the way, The Department of Education reports defaulted loans to political unit respect bureaus, risky the borrowers' acknowledgment ratings and devising it problematical for borrowers to sort purchases such as cars, get a domicile security interest or even annuity in advance an lodging.

- Borrowers near loans in failure to pay are unentitled for Title IV trainee aid.

- Borrowers with loans in evasion are unentitled for deferments.

- The Internal Revenue Service can deny borrowers' Federal turnover tax refund, as well as your spouses'.

- Borrowers' reward may be garnished up to 15% of the Gross. Gross, not net!

- Borrowers near defaulted Federal Family Education Loans (FFEL) or Direct Loan Program loans (DL) may be apt for cluster reimbursement incurred to pool the loans.

If the holding device of the defaulted loan, which may be any the U.S. Department of Education or a collateral agency, retains a arrangement agency to due defaulted loans, charges obligatory by the collection bureau may be more to the magnitude borrowers owe.

This effectuation that the amount of the Student Loans may contain collection costs of up to 18.5% of the main and excitement special on the defaulted debt.


This is the end of Part 2 of a 4 Part Series Next Time: Credit Card Default

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