Tag Archives: private

The “Sick” Day

I just saw an interesting post on my Facebook newsfeed:  there was a mother looking for a way to craft a note so that she could try to argue with the school that a vacation to Disney World should be an excused absence, and that there are tons of educational opportunities within the Disney Parks.

It aggravates me that we, as parents, as a society, have handed over so much control to the government, and thereby the public school system, that we now have to justify why we want to do something with our own children.  It feels almost as if a parent wanting to take their child to Disney World is viewed the same as a parent who is burning their kids with cigarettes and blacking out their eyes.  They act like you are abusing your children if you plan a vacation during the school year, and they will, in many counties, get CPS and the courts involved for truancy.

I am not saying that school is not important, but I would go as far as to say that school THINKS it’s the most important thing in the universe, and it is certainly not.  There are other things to experience in life, aside from 9 hours of daily schooling and homework, as a child.  If anything, I would suggest that schooling often cripples a child’s ability to learn and be creative, as I have seen with my own daughter and this Common Core nonsense, where she’s afraid to attempt to sound of words, because it’s not allowed in school.  I’m sorry, but who decided that 6 year old children should memorize words instead of learn to read them phonetically?  That’s stupid, and it may create a generation of semi-illiterate citizens who can’t read any words that weren’t on their charts growing up.  It’s like telling kids to memorize the times tables without explaining to them how they work – it becomes damaging when you get into higher mathematics.

I’m not sure how we’re letting all this happen, and how parents aren’t storming their local school boards with torches and pitch forks, demanding that the students learning be placed above textbook companies lobbying for curriculum changes.  I’m also not sure why a parent can be outranked by a public school employee in terms of how they choose to raise their children.  Why do I even need to ask the school for permission to take my child to flipping Walt Disney World?  And why do they get the right to tell me “no,” threaten to get CPS involved for missing school, and/or not allow my children to make up a test that occurred during their absence if they choose to frivolously label that absence as “unexcused?”

I remember K-12 very clearly.  I remember being told non-stop by my parents and teachers that school and the education I would get there was more important than anything else.  So, I bought into what I was sold.  I always studied hard, did extra-credit, even if I didn’t need it, and I never really had a social life, nor did I ever participate in extra-curriculars, all because I believed that academia was all that mattered.  I went to college with the same mindset, graduated with a 3.8 GPA, and, ultimately, I ended up with a mountain of debt and not a single job offer to date that would provide me with a liveable wage.  Between my husband and myself (both of us with 4 year degrees, plus grad school for me) we don’t even make enough money to be required to make payments on our student loans, and we’re almost 5 years out of college!  I see things more clearly now, in hindsight, and had I focused more on making friends than getting straight A’s, I might have connections and contacts to help me get good job interviews over being a socially awkward mess.

So, my children will miss 4 days of school this year for pre-planned weekend vacations, and, I refuse to tell their school anything other than  both my kids feel “sick” on those day.  I would love to tell them that we are participating in a sea turtle conservation project, or going to the Smithsonian, or participating in a Run Disney race, but, if I do that, then I have a battle on my hands.  A battle where I have to argue and justify and meet ridiculous standards to get approval, all because my kids are more of a dollar sign than people, and if they miss school, the school doesn’t get paid.  It becomes so much easier to fake a 24 hour bug than to explain that you want your children to experience life, not spend all of it cramped up into textbooks.

And, yes, I’m aware that I could do certain vacations while school is out, but do you know what a nightmare that is?  In many cases, the no-school-day is a national holiday, which means everything but retail places are closed.  MMMM, so much delicious education to be found at Walmart!  Then you have the Summer break, which, if you want to go anywhere, you’ll be fighting monstrous heat and crowds.  So I can go to the Smithsonian in July, when there are hundreds of people crammed into each exhibit and my short, little children can’t see or enjoy a thing, or I can go in mid-October where there are maybe twenty people hanging around the museum, along with a school tour or two, and we can actually experience and enjoy the place.

How about any of you guys?  Have you taken your kids out of school for a life experience and said they were sick?  Do you have to fight with your school to get vacation time excused?  Do you think it’s too much power for a government office to have over a family?

Student Loan Repayment – Mission Impossible

studentloans

I’m a little more than frustrated today.  I’ve been trying to get my hard working husband set up to request the federal student loans Income Based Repayment plan.  He has a four year degree, and despite the student loan office at Ohio State swearing that would earn him $50k a year, he makes about $12 a hour in the ONLY full time job offer he’s had since being honorably discharged with the military.  This will be our second year that both of us are applying to defer our combined $70k+ in debt (roughly $30k a year income for a family of four), and it’s getting ugly.

In 2012, my husband’s student loans were sold off to Sallie Mae.  You may think, “well, it’s supposed to be a government affiliated, so that is the same as the Department of Education owning your loan.”  That’s not quite true on several levels, especially if you need assistance.

First, Sallie Mae will appear to have tons and tons of repayment options available.  It’s true, they do exist, but finding them can be a particularly challenging task.  Somehow, I stumbled upon the Income Based Repayment (IBR) form and got it ready, had my husband sign off on it, and mailed it away along with our 2012 tax return copy.  Simple right?  WRONG!

Magically, the IBR application never reached their office, despite being mailed a little over sixty days before repayment was set to beging.  I don’t know how many letters they get in a month, but you would think that sixty days would be enough to get to my husband’s deferment application.  Who knows, perhaps the papers will resurface in the future, but it seems like offering an option to mail the application is a trap.  If they say they didn’t get your application in time, you are paying money you may very well not have until they get the matter straightened out.  Sure, it will probably go to an IBR plan eventually, but you are screwed until that time comes in, even when you did everything right on your end.

If you think I’m being paranoid, try applying for any kind of government assistance (which I have in past years).  Daycare assistance, food stamps, medical coverage – many applications will suspiciously get bounced around and disappear no matter how they were turned in, or how much need a person has.  I remember going back to school and asking for daycare help, based on income I was supposed to pay $1 a month with assistance, but what happened to my applications?  No one knows, but I was stuck spending $250 A WEEK until that was straightened out, and if I had not had signed/dated receipts for our two dozen application turn ins, and a furious husband willing to fight for the assistance, that would have NEVER been refunded.  I would have dropped out of school from a lack of money to pay for daycare.  Every time they lost my application, they had the potential to save their department $1,000 a month in child care costs.  In short, you as an individual are not as important as the budget, and that is especially true in populated areas that are short on funds.

Back to Sallie Mae.  My second issue is that their website is confusing and unstable.  When I tried to log in and redownload the IBR form, it was nowhere to be found!  I looked everywhere, even went into the online forms section, and there was no IBR form.  I filled out the “See if You Qualify” preliminary form, and all I got were “error” messages and glitches that sent me to the loan homepage.  I even Googled “Sallie Mae IBR Form” and NOTHING could directly link me to get this document again now that the loans were due!  Notice that the section to submit payment never acts up like this.

Worried, I checked my Downloads folder on my computer, and luckily for us, the previous IBR form I had downloaded was still there.  So, I printed it, filled it out again, got my husband to sign it, and went to upload it online this time.  Simple right?  STILL WRONG!

Sallie Mae is a student loan company, and that’s pretty much all it has ever been.  So, dealing in forms and fees is all they do.  Now, I’ve learned that forms disappear and hide, both online and when physically printed and mailed in, but electronically submitted forms leave a trail that’s harder to lose.  However, despite being a big, money oriented company, Sallie Mae offers a confusing upload process.  You must log in, find the proper section to upload into (I suspect many forms get “rejected” for not going into the proper folder) and then find out that the document you are uploading, no matter how many pages are involved in the form, has to be UNDER 5 MB!

Why is the upload size so small?  Surely they can afford IT professionals and larger capacities to make this a non-issue.  I had to rescan and reformat the document three times to get even two pages to upload without rejection.  This, to me, is like Google blaming the users for click bombing (I’ll let those of you who are unfamiliar with this term look it up yourselves) when Google writes the codes and could easily disable people from multi-clicking advertisements.  If Sallie Mae makes it nearly impossible for you to upload or snail mail your applications for IBR, or other deferment plans, it is still your problem, your fault, and your responsibility.

I’m sorry, but once you teach the dealers to cheat in a casino to avoid losing money, you’ve ruined the system for everyone, and that is exactly what this is.  Sallie Mae is a company that sets out to make money, the fact that it is government sponsored does not change that fact.  If they were here to help students and truly keep them out of default, forms would be more readily available, uploads would have much larger limitations, and mailed forms would not vanish off the face of the earth.  Funny that I never had an application to apply for student loans or a payment go missing like that, don’t you think?

All companies making a profit WANT you to DEFAULT.  Why?  Because then the government pays your tab AND the bank still gets to come after you for the rest of your life to pay the loans.  The laws have made these loans nearly impossible to discharge in bankruptcy, so the banks can come after you legally for the rest of your life, and inflate you interest rate to just about whatever they want in the process too.

Pretty sweet deal.  You get an education, find no decent paying jobs anywhere, and then have a swelling debt over your head for ages to come.  If that weren’t stressful enough, you have to worry about these petty games when you have no money to pay the loans back, even though these places are supposed to be there to “help” you.  This could only be worse if the loans were private instead of federal!  I am sorry to all of you poor souls with private loans – truly!

College, the New Scam

This is a really LONG video, sorry in advance, but after attending five universities and being on all ends of the financial part of college, I felt that I had a lot of insight to share.

Agree or disagree, but I feel the college system, as it stands today, is a money grubbing scam that offers no job security to anyone.