Those new to my situation please read my other posts. I have a Student Loan in repayment status with Direct Loans. I am on an Income Contingent Plan , but because I do not earn enough money to pay even the interest my monthly payment is $0. However, what I cannot afford to pay each month still accrues interest and once a year becomes added to my whole student loan. This new student loan amount, in turn, creates a higher interest amount for the next year. Each year - for the past 7 years - I have seen my negative amortized student loan grow larger and because I have been on Social security Disability and make meager income from part time employment as a cashier --- HAVING NOT ONCE EVER WORKED IN MY FIELD OF GRAPHIC DESIGN FOR WHICH I WENT TO COLLEGE FOR AND EARNED MY BFA IN --- I continue to not be able to afford to pay even the interest on my student loan.
No new news on the Student Loan front and I continue to get irritated every time I see or hear an advertisement from Obama encouraging young mothers to go to college ! I would LOVE to send Obama a letter -- snail mailed direct to the White House. The only reason I have not done this (yet) is because I have little faith that he would actually READ it. A whole year later and my post has generated only a few serious responses. I suppose that COULD BE enough to form the center of what COULD BECOME a formidable "grass roots" ORGANIZATION.
Anyway, I have big dreams and not many supporters. If I could get enough supporters to transform my dream into a realizable goal I would risk almost as much to march on the white House lawn .... but a group of under 10 people would not get much notice I think. If you have an idea how you and I could actually reach Obama ... he is suppose to be in New Hampshire soon, but I am sure that security will be tight and the public will be screened ahead of time for their questions. Any question that is not specific to his agenda will not be heard, I bet. Too bad because I think that President Obama does not have all the facts about the Student Loan situation. At least, I hope he is missing some critical information that people like you and I can provide. Otherwise, this president would not be much different in the long run than any other "We the People" have had.
"What we have here is a failure to communicate". I have left messages with e-mail "blogs" and my congressman and all I get back is a generic, "thank you for your concerns" , we are working on the health care, or whatever OTHER topic the government is "hot" over, but not once have I had a political response come back to me that was SPECIFIC about MY CONCERN WHICH IS THE INEFFECTUAL METHOD DIRECT LOANS DEALS WITH ALREADY EXISTING STUDENT LOANS .. IN NEGATIVE AMORTIZATION FOR MANY YEARS, ACCRUING THOUSANDS OF DOLLARS IN INTEREST .... It is bad business and it is or ought to be Federally regulated and it is not getting any attention from the White House.


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I DID research the field. EVERYTHING THAT IS PRINTED is in the Graphic Design field. Besides, job markets change. What field is seen as wide open, having lots of room for employment one year can close up so tight one can not put their small toe through , much less their whole "foot". It takes TIME to earn a college degree and single mothers do not have much time. It took me seven (7) years to complete my Bachelor's of Fine Arts program. What would have taken a non encumbered woman -- or man -- 4 years to complete took me 3 years longer because I was a single mother. When you are a single mother, you already have one full time job.
The world does not need more Social Workers, who can do their job with a minimum amount of training. I have not researched this, but I would be willing to bet that MOST jobs that require only a certificate or an Associate Degree are already full up or have been transfered overseas -- where the levels of quality, intelligence and overall compency are much different than they are here in the United States.