82
you are viewing a single comment's thread
view the rest of the comments
view the rest of the comments
this post was submitted on 29 Nov 2024
82 points (96.6% liked)
Asklemmy
44148 readers
1210 users here now
A loosely moderated place to ask open-ended questions
If your post meets the following criteria, it's welcome here!
- Open-ended question
- Not offensive: at this point, we do not have the bandwidth to moderate overtly political discussions. Assume best intent and be excellent to each other.
- Not regarding using or support for Lemmy: context, see the list of support communities and tools for finding communities below
- Not ad nauseam inducing: please make sure it is a question that would be new to most members
- An actual topic of discussion
Looking for support?
Looking for a community?
- Lemmyverse: community search
- sub.rehab: maps old subreddits to fediverse options, marks official as such
- !lemmy411@lemmy.ca: a community for finding communities
~Icon~ ~by~ ~@Double_A@discuss.tchncs.de~
founded 5 years ago
MODERATORS
ELI5 Pay your debt that you willing took on yourself.
Thank you daddy please spank me more
Lol
I mean, I have been paying this whole time lol, did I say otherwise? That shit is on autopay. What I do mean is that I haven't kept up with the constant shifting of rules and programs that start and then get stopped by the courts, etc. I am busy working my ass off, and if last time I had to deal with this is any indication, I have to take the equivalent of a whole day off, do research, spend hours on the phone with the servicer, then do a bunch of paperwork just to ensure I have things the way they are supposed to be (unlike a whole year I was overpaying because I didn't know about some consolidation process).
These are government loans that are then managed by private companies. Considering I pay not only interest but also taxes, I think is fair to ask that the way it be managed by some better means than some shifty inefficient third party business, that makes me do their job for them just so I can be paying the fair amount I am supposed to, and also get the forgiveness the government promised me for applying my advanced degree to non-profit work for 10 years: that's not a fucking hand out, it's a deal the government made with me to satisfy a policy need they had. I am doing my part and making all these payments for a decade, and they're not exactly doing their best to keep their end of the bargain when you have some byzantine program they outsourced and screws over a bunch of people that have kept up their end of the bargain.
So, get over yourself. I don't understand what's your fucking problem here
My problem is you expecting a bail out for something you signed up for yourself. I’m not over here complaining about my my loans. I pay them.
How does a 30 year mortgage sound then? Gonna whine and complain about that for ten years and just expect it paid off by others? Get outta here loser
What fucking bailout are you talking about? I signed up for IDRF, a 10 year program that I knew about from the get go, as did the government, and I am paying the entirety of it, at year 9 as of now. I know how it worked. But they also changed several terms since, as I said. When did at any point did I say I am not paying? I am saying they have a shitty service outsourced service provider and keep changing the rules back and forth. I expect better than that, as I am keeping exactly to the terms of my deal...
Are we talking about the same thing here?
Edit: to put in the terms you mentioned, if I got a 30 year mortgage - I would you expect that I would be paying to the same bank, on the same terms, for the duration of the loan - and that the bank wouldn't keep losing your shit or taking months to process each piece of paperwork you submit
It seems you're really just parroting some political view, I am not expecting some magical bailout for getting in over my head. The government asked me to apply my degree to non-profit work for less pay than I would get in industry, for a price - since I guess the free market is not exactly throwing around PhDs to go teach when they can make better money. They would compensate me for filling an underserved need by reducing the overall term of the loan if I kept up with my end of the bargain. AKA they were paying me to go work where they needed it, instead of where I could make up that same money on my own. See there, a clear business transaction between us: they offered to pay me to fix something they decided was a policy priority - how is any of this transaction a bailout, when we both entered into with knowledge of its terms almost 10 years ago?
Now, them being really bad at managing that, and outsourcing it to some poorly run outfit, that's them not keeping their end of the bargain.
The world is not black and white my friend, think before you spew hate at strangers. What you're proposing is akin to the government hiring a contractor and stiffing them. This program is intended to get people with good educations into needed public service positions. You obviously don't care about teachers/education, but I sense you would be up in arms if I said that instead I got a degree in criminology to be a cop, and then took a deal from the government to go work where officers were needed, and the government didn't pony up on their end of the bargain.