Essentially, they can set it up so you don't have to pay more than 15% of your income if you are working, maybe nothing but accruing interest if you are unemployed or broke. If you repay under the IBR plan for 25 years and meet certain other requirements, any remaining balance will be cancelled (from StudentAid.ed.gov).
More information: IBRInfo.org - tons of info, including an animated video (!) and a repayment calculator, and a May 2010 New York Times series Answers About Student Loans.
Better things to come from the new new education law attached to HCR in March; no surprise, it passed with no support from Republicans. No more publicly-supported private loans any more, and as of 2014 new loans will set future repayment amounts limited to 10% of income, forgiveness after 20 years. USA Today and NY Times
For people with lots of different loans and private loans, start by looking at government debt consolidation options. Right now, if you have private loans and a nasty bank, you are screwed: you can't even discharge them through bankruptcy, and the interest just keeps piling on. However, there are bills in Congress to limit unfair practices and fraud, and limit repayment burden, including bankruptcy protection. These are being pushed by Obama and the Democrats, of course. For more, see the Project on Student Debt
(my links go to legit sites -- there are ugly scams out there: good advice from the feds)
ETA: National Student Loan Data System - see how much you owe, and to whom. I'm glad that's available, it's clearly worth filling out the forms.
I had a boyfriend working for the 1980 Census (yes, I'm that old), and they kept him on for months after the first wave was over. So please consider applying: it can't hurt.
( apply for jobs with the Census )
Americans tend to be conflicted about asking for government help except when they are automatic and/or we feel we've earned it, like unemployment benefits. But we can't really be self-sufficient, not now or here. We need backup, and that's what government should be for.
( You may be eligible for medical coverage )
( more possible benefits )
Today has been declared lurker amnesty day! Have you read me but never commented? Do you surf by occasionally? Here for the recs? Say hello! You are under no obligation to ever comment or delurk again, but here's a chance to do so in a post just for that. And if you do, no need to apologize or explain, I'm just curious.
IP checking is off, ljtoys is off, anon commenting allowed but screened to avoid spam and trolls.
Thank you to everyone who wishes me well. It makes me feel lovely! What I'd like in fandom, (besides a bunch of handsome naked actors, more lotrips, my writing mojo back, and a pony), is for people to read my recs! They're at diigo.com/user/msilverstar (an experiment, some truncated descriptions) and delicious.com/msilverstar, msil_fanfic_rec feed on LJ, msil_fanfic_recs_feed on Dreamwidth.
<3 fandom and you wonderful dear people, thank you for being so fabulous!
So, this Sunday, Sept. 14, my house in Berkeley, 1 pm to 6ish, it will be lovely to see you all. You are all, (except Ruth and Nancy), invited to bring some snacks to share. Email me for directions, and I'm sure we can arrange some carpools or BART pickups.
See you then!
Cat GIP (he's curled up on the rug, at yet another spot just off the central medallion)
And a question, since I now live with a cat, We have been using some of the clay litter, which is way better engineered than last time I had cats, in the 80s. It doesn't smell and is easy get the pee and poop out of. But apparently, it's a big eco problem, despoiling the landscape and such. I tried some pine pellets but realized our little rake scoop thing has too-small openings. So I ask you, flist, what kind of environmentally responsible cat litter should we buy?
I'm not hot-linking to the dynamic updating one. You can go see the updated map or .report your own experiences. I always check there first, I think it's amazing.
For some reason, this is my earthquake icon.
2 tickets at will call for Warped in Cincinnati on Wednesday. I can throw in one of the Warped 2008 Compilation CDs, if you need it. Because of the uncertainty of will call tickets (Will they actually be there? You never know for sure until they hand them to you) I'm only asking for $30 for the pair, which is less than the cost of one ticket.Send her an lj message or email for the tickets, not me.
2 tickets for Warped in Indianapolis on Thursday. I have Music Saves Lives VIP vouchers to throw in with these. $60 cash for the pair, must meet me before doors on Thursday at the venue.
Also, I am so proud of myself, I got off my ass and made something tasty and healthy: ( Tomato & bean salad )
Birthdays! I have let them get away from me again :-( But I love my friends so thought I'd say a little something about the people I care for. ( In mostly-date order )
In other news, I have bid for and won fic-writing services from Sweet Charity of dizzydame, asknosecrets, and shaenie. Squee! Knowing there's fic coming makes me happy. When the stories are posted, I will rec them with great fervor.
I'm slowly updating my recs on del.icio.us/msilverstar (as a feed: msil_fanfic_rec), mostly LOTRIPS and a few Torchwoods and other fandoms. ( very hot cross-dressing Billy/Dom rec )
And birthdays! Hopes for a fabulous year to bunniewabbit, airgiodslv, rosiespark, rosamundeb, and v_angelique!!! *Sings various embarrassing birthday songs*
PS I am still stuck on chair or wheelchair, so rather bored. Talk to me, people! Lurkers, come out and say hi!