Darrick wrote:Thanks for the advice. Unfortunately, I can't get a student loan. I screwed up my first one. Half my fault. Half the fault of FannyMae, who wanted me to pay for loans I got to attend Rio Hondo College. They only problem was, I never attended that college, and I never got loans to attend. People here in the States steal your information, especially social security number, birth-date, etc. I.D. theft. So, I went to Rio Hondo College, and they finally agreed...yep...you never attended here. Got a letter from them. Send the letter to FannyMae (private student loan company), and they said, "We don't care! Pay it back or else". So, I said, "Else". And it was defaulted. You are right...I should have paid on it, even though....I never took out a student loan for Rio Hondo College. But, I did take out a loan for another college. I got sick, E-Coli, had to quit school mid-semester. Was paying on the true loan, when Fanny Mae demanded I also pay on the Rio Hondo loan which I never applied for and never got. I got mad, and said "F-YOU". But...you are right, I should have paid them both back, even though I was only responsible for the lesser of them. My bad. Now I'm paying for it.
Can I get a judge to say "clear" my name and student loan record? Sure! That will cost me about 5,000 to 10,000 dollars in attorney fees by the time all is said and done. I can barely pay my rent. I have no bank account whatsoever. So....s*** happens. And, even if my name is cleared, then I must work a job and support myself while going to school, that does not conflict with school hours. And that job must pay me enough to survive as well as pay for my tuition, which here is 1800 per semester including books.
College in my state costs about 1600 dollars per Semester full time, community college. Not bad. At the moment, I'm my Dad's caregiver. He can't take a crap by himself. He can't cook meals by himself. We live in two separate motel rooms, because I'm UBER-allergic to nicotine, and he smokes.....all day.....all night. His credit is no good, and I am not employee elsewhere. So, we must stay in too motel rooms. He can't afford an Altzeimer's home. He makes too much to get Government assistance, but too little to pay 200 to 300 per DAY for an Alzheimer's home. So, I take care of him. All meals. All bathrooms. I go out and buy his food and cigarettes. In return, I get 20 per day spending money and free room and board. We can save maybe 100 to 200 dollars a month, if that. But, I'm saving up for trucking school. But, thanks for your suggestion. You did so because you want to help, and I appreciate that. I plan to go to trucking school in about another 4 or 5 months. I have to save for that, and also I have to hire a girl to take care of my dad while I'm in trucking school, and while I'm working at it (if I can find a job at it). No girl is gonna work 8 hours a day taking care of my dad for 40 dollars a day. So, I'll have to pay her some of my income as well. But, truckers are paid ok. The trucking companies want Congress to "ok" them hiring Mexican nationals to drive trucks. Why? Because they can pay Mexican nationals LESS, far less, than Americans. Although there is about 10% unemployment among Americans (it is in reality much hire than than 10%), there are 1 to 2 million illegals coming into this country every year, with about 1 million LEGAL aliens. The legal aliens get free eduction, free place to live for a time period while they are in school. Illegals can go to school here just like American citizens, no questions asked. Also, the illegals are all on welfare, because they have young children, no questions asked. So, hopefully, Congress will NOT allow the trucking companies to hire Mexican nationals! Millions of Americans are out of work, an the trucking companies want to hire Mexican nationals and pay them $12,000 per year, because they Americans need twice that or more to survive and raise a family here. Hopefully, Congress will not allow this. If it does, I won't be able to get a job in trucking.
I could get my old job back working 12 hours a day six days a week taking old folks and brain injured to doctor appointments, but....at $900 per month and no time for school...why? At least taking care of my Dad, I have time to mess around on Mormon Discussions.
Is my life "consumed by loneliness and bitterness"? I am lonely because I am poor. That has nothing to do with my fight against Mormonism. I am HAPPY to fight against Mormonism. It gives my life purpose, meaning, a "cause" to fight for. It makes me happy.
Darrick, thanks for sharing your situation with us. I understand what it is like to take care of an ill parent. I took care of my Dad for four months when he had some serious issues following a stroke. Thank heavens, he has recoverd to the point where he can walk again, and is still fairly independent, as far as being able to bathe, feed himself, etc. But there was a while where I was helping him with those things.
I am really pleased to see that you have a goal. It sounds like trucking school would be a good option for you, and if it is something that you are interested in, and think you would do well with, that is great!
As far as home health assistance is concerned, PM me. There are some rehabilitation organizations that might be able to help with your Dad, even though the income level is "in-between". Both of my daughters work as rehabilitation technicians for an organization that helps clients like your Dad with life skills, and it is home health care oriented.
Good luck with your goals! :-)
Hey, is your book available as an e-book on Amazon or Nook? That might be a great way to generate a little extra income. E-books are a great new medium.