Wednesday, May 18, 2011

I Wont Back Down

Okay, I officially dislike 'systems', corporate systems are the worst.  That "$250,000.00 diagnosis post I wrote - where-in my parents-plus loan could be "forgiven"  Hah!!  There is a loop-hole.  Seems that any loans secured after 1993 don't qualify!!  What?  What does "when" have to do with "why"??  I am on Social Security Disability and I cannot work.  Duh!!  I do meet criteria for "unable to work" which has a different process after 1993.  Every six months I fill out the "I cannot work" form and I can do this for thirty six months = six times.  Then I qualify for financial hardship which will defer the loan for another 25 months.  Perhaps it is me but if one cannot work the obvious outcome is a financial hardship.  Can you even believe this rhetoric??!!  SO for the next six years I can defer the loans as outlined above.After that I have NO idea.    I am not at all happy with this plan.  I am going to contact an attorney because I find it very odd that I was told to submit VERY personal health information signed by two physicians which I was told would then qualify me for 'loan-relief'.  Clearly, when I was told of this option it was known that my loans were secured after 1993 and therefore the conditions stated above applied.  So why then would 'they direct me to submit the "personal health information" necessary to be relieved from the loan full well knowing I didn't have a chance in hell because my loans were secured after 1993.  .  Mind - boggling!  I swear I am going to 'stand my ground' AND "I Wont Back Down"




25 comments:

Finding Pam said...

I am sorry to hear this. It seems like the government is only looking out for themselves. My sister can not even get disablity. She has been turned down twice. She is not able to work.

I hope you get some resoultion.

Margie said...

Oh, sorry to hear about all this, Gail.
Hope you can get help from your attorney.
I wish you much luck!
Hang in there!

Bernie said...

One thing is for sure, filling out paper work for disability can be one of the most frustrating things you will every do......been there done that. I think I was one of the lucky ones as it didn't take very long for me at all. Honestly if you weren't sick you would be able to work yet they keep applying stress to you with these forms. So glad you are seeking legal advice, the sooner you deal with them the better you will be emotionally and physically. Keep your chin up sweetie and never give up what is yours rightfully....Hugs

Gail said...

HI PAM-
thanks so much for your support. I have faith it will work out.
Love to you
Gail
peace.....

Gail said...

HI MARGIE - as they say, "one cannot get blood from a stone"

so good to see you
Love Gail
peace.....

Gail said...

HI BERNIE
just to clarify, I got my Social Security Disability first try!! :-) So no worries there. In my post I am referring to loans I took for my sons tuition. Even though he got a lot in scholarships and so forth I took on about $15,000 a year for 4 years. Now that I am on disability I want to have the loans forgiven. I have faith it will work out.
Love to you
Gail
peace...

sewa mobil said...

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Wanda..... said...

The whole world (governments included) should declare bankruptcy and start over. I'm joking, but it does seem to be a very complicated, intertwined, problem that trickles down to everyone in some way or another.

My son just finished his 4 day hospital stay for his plaque radiotherapy treatment. At first his insurance wouldn't approve the 4 days stay...said he could stay ovenight in a "motel!"

It was a case of an individual making a decision based on the lack of knowledge of "plaque" treatment. Maybe all will work out in your case too, Gail.

Gail said...

HI WANDA_

Oh my, your son's condition and treatment sound quite serious. I am praying hard. My issue is over my 'parents-plus-student loans,and my inability to pay them back due to my being on disability. ANd now we are fighting for our Health Insurance which is in question due to a technicality. sigh.
Love to you
Gail
peace.....

Just Be Real said...

Dear one so very sorry. Good that you will not back down. Hoping you will be able to seek help here. Hugs to you Gail.

Gail said...

HI JBR-
thanks for the support. It will all work out - as it should. I hope you are well.
Love to you
Gail
peace.....

Eileen said...

Don't get me started on the government!
I won't go there, but this is the type of thing that gets my blood boiling!
I am praying for your situation, Gail, and I love your tenacity!
You go girl!
Love and Prayers,
Eileen

Cinner said...

Gail it is a bunch of bull they try to feed you. When I was trying to get my disability they made me jump through hoops, and they hope everyone will back down...I don't know how the loan process works, but I imagine it is the same...when someone is ill they should not have to deal with this but to concentrate on your health. The whole system needs to be changed. I hope you get an attourney, maybe you get get them on contingency or whatever it is called. Keep strong my friend. love to you.

Gail said...

HI CINNER-
thanks SO much for your support. I have some time to figure it all out. phew. ANd also I am so glad you saw my Mother's Day post. :-)
Love to you
Gail
peace.....

Gail said...

HI EILEEN-

Thank you so much for your shared anger at such injustice. I wont back down.
Love to you
Gail
peace.....

Ricardo Miñana said...

I'm sorry what is happening and I hope everything goes well.
I have a dog who is the queen of the house.
you have a happy weekend.
a hug.

Gail said...

HI RICARDO thanks for your support and for visiting.
Love Gail
peace.....

God Whispers said...

Hugs to you Gail. Blessings.

Gail said...

GoD Whispers-

nice to 'meet you' and thanks for the blessings.
Love Gail
peace.....

Just Be Real said...

Came back by to give you a supportive hug Gail.

Gail said...

HI JBR-
thanks for the hug
Love to you
Gail
peace......

Andy said...

Truly very frustrating and annoying, Gail. I can only imagine how you must feel.

I'm with you - don't back down.

(And, I'm back for which I'm very happy :-) )

Gail said...

-Hi Andy
so nice to see you here/ :-) I have missed you. And I have faith that all will work out w/this situation.
Love to you
Gail
peace

SE'LAH... said...

exhale. when red tape and bureaucracy runs rampant, I know that JAH will provide, so i exhale.

sending lots of calm, positive vibes your way. one love.

Gail said...

SE'LAH thank you so much. I agree and I believe all is as it should be.
Love to you
Gail
peace.....