[Please do note quote]Not legal advice. Not representing anyone. Anyone who takes legal advice off the internet is stupid. Don't do it. It doesn't, and I think she is aware of that. If I had to guess, she, like many, want a real solution to the crap they've been unjustly thrown into. She's understandably frustrated and feeling forgotten. This is honestly how Trump got a good chunk of undecided voters the first time around. He makes promises that he cares about the forgotten/screwed over. "I am your champion," or "I am your retribution," etc. In her case, and correct me if I'm wrong, I don't think she's falling for that. I think she feels abandoned and probably knows it won't solve anything but it's a protest of sorts.
For what it's worth, I gather this person is overwhelmed and justifiably so. She may not have any answers to a problem they didn't cause and are suffering from, unfairly as a rule. The way we let veterans, the disabled, and many others suffer in America is a crying shame and it shouldn't be that way.
First off, I understand your pain on this one, because I've been in a similar boat. I suffered an accident that required tons of surgery, and all that. Also, nobody gives a damn how much law school or medical school costs, but they need/want doctors and lawyers to fix crap for them. Or they lie to themselves and say they just need to know the magic trick to do it themselves. I can't condense 8 years of school after high school and 20 years of work experience into a neat little "hack" to magically work in all circumstances. Frankly, being asked to do so is insulting at times. I'm sure you and others would feel the same if your boss came up to you and demanded to know your "magic trick" to getting your job done so they could avoid paying you.
Those student loan bills are insane and a god awful trap. It is soul crushing those with student debt get somehow looked at like worthless bums despite paying for everything with God awful interest on top of it. We get nothing, even in "forgiveness," programs, which are rigged against us. But, tell that to a good chunk of the country that just does not care and you'll be labeled everything bad they can think of and be called a deadbeat who "doesn't pay their loan back." Then, someone will want a pro bono case.... All the while they wonder why the money you weren't paid isn't "paid back." Worst part, you already paid it back.It's all rigged. Your doctor's student loan bills are an average of $5,000/month. I've seen several student loan companies screw over military veterans without blinking, including during active duty deployments, which they are not allowed to do....
So there's tons of news stories about why people are stuck in student debt and how the system is rigged against them.
Even Fox news has had to admit it, though their solution is ... less than real:
https://www.foxbusiness.com/personal-finance/public-service-student-loan-forgiveness-applicants-rejected-college-debt98% of applicants. Educated, smart people who did everything right just get screwed. As you stated, teachers, nurses, you name it.
So, if anyone would listen (but they won't), I could convince or soften opposition to PLSF/ "forgiveness" in a few points:
1.) George W Bush. A republican president really implemented PSLF (public service loan forgiveness) into real implementation in 2007, partly because
A.) civil servant jobs are necessary but pay crap (e.g. teachers), and B.) The GI bill does not pay for college and veterans have tons of student loans.
2.) The GI Bill has not covered college costs in forever. It just hasn't. See point B above.
3.) Spreading out debt forgiveness across several years makes the government's cost negligible and those skills are being used to help the government/people. Your kid's teacher is up to their eyeballs in debt between a teaching degree and a master's, which is required....
A.) 10,000 over 10 years is $1000 a year. That's nothing for a wage and gov is not paying for training upfront (yes this includes military officer degrees)
4.) This is still a cheaper way for the government to retain talent than actually paying higher wages/salaries on important staff/military officers. Spreading it out over 25 years makes the numbers even smaller for non PSLF forgiveness.
5.) All the while the monthly payments are being made. So really, it's all being paid back anyhow over time.
6.) Tax: Guess what, the government considers this income and a benefit under IRS code 64(a)
https://www.forbes.com/sites/robertwood/2023/05/15/irs-taxes-apply-if-your-debt-is-cancelled-here-are-exceptions/#:~:text=Bankruptcy%20discharges%20aren%27t%20taxable.%20If%20your%20debt%20is,net%20operating%20losses%20or%20the%20basis%20of%20property.The idea that the government is somehow "generously" giving money away to those with student loans is just ridiculous. Come on now, do the people opposing it really think the government is going to do nice things for people with no strings attached? That crap takes forever to pay off with forgiveness, and it is often taxed (one way or the other). Plus they find ways to make years of your work history not count, meaning 10 years becomes 12 years or 15. yes some progress has been made on making it slightly less rigged against the borrower, but .... It's still a crapshot. Trust me, anyone with student loans pays them back one way or another, and yes that includes "forgiveness," which is not really forgiveness. It is way cheaper for the government to do it that way through said programs. Or, they could just pay market wages, because civil servants make crap wages, unless the phrase "teacher's salary," has somehow stopped meaning poverty wages where you have to buy the school supplies while being paid crap too.
Ultimately it's a crapshoot.
If you like we can talk in PM and I might be able to point you towards some groups that try to help. Voting for Trump out of spite isn't really an answer here at least in the sense that it won't help you. Also, I don't think the tactic of doing it to force a solution will work either. I get the anger though. I get the pain. I cannot legally represent you. I can perhaps point you toward some groups that might be able to assist.
All I'm gonna say is that this is a vast oversimplification and incorrect. There's every question about that. The idea of forcing (yes telling them from birth to do it and providing no alternatives counts) people to get degrees and then arbitrarily devaluing them but demanding they pay full price (and above full price) for a devalued thing is wrong. Same thing happened in the foreclosure crisis with homes and that was wrong too. That other person is not capable of doing that job or if they are then why did the one with the degree have to pay to get the degree? One person is being forced to bear a cost the other isn't. Someone charges you full price for something, but it isn't worth what they ripped you off for. That's being cheated. Years of your life, tons of your money, meaning nothing when you were lied to is fraud.
Fair? Imagine being told you had to give up years of your life and tons of money to do something. You did as told. Then they let someone else do it without having to do crap. What's something you worked your butt off for and sacrificed to get? Imagine someone else gets it for nothing. This is actually the argument they used against forgiving student loans (others paid it back or others didn't get to go to college). It can't be both ways. The unfair part is being made to pay in years of your life and currency while someone else gets it for nothing.
Right now you appear to be dealing with a person in a lot of pain and showing we're just going to say little empathy. You really need to stop, please.
Your are dealing with what she said is a disabled person being taken advantage of with few options. Oversimplifying a complex situation won't help.
Also, Max, this person appears to have blocked you based on a quick review of her posts from past interactions.
I'm going to ask you to do something. Step outside yourself for a second and see someone else's pain and just not respond. Please.
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Ordinarily I avoid this thread, because it has a tendency towards ... we're just gonna say not nice things. I see someone in pain and try to help now and then. Just trying not to regret it.
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