The White House is spitting out the same ole sorry message about how they are helping student loan debtors.The focus remains on prospective students.
Heather HigginBottom, the Deputy Assistant to the President for Domestic Policy, shares the latest suggestions from the White House (assess and view her comments below). She responded to a young woman who has student loan debt and four children. The young woman wrote to President Obama about her student loan debt. The note did not indicate what sort of loans she has, so that makes the message problematic. Ms. Higginbottom let her know that they are committed to making college more affordable. Wow! Great. Because we've never heard the White House talk about prospective students. Shortly after she talked about all the awesome things they're doing for future college students, Ms. Higginbottom turned to the woman's current situation. She encouraged her to look into consolidating her loans and IBR. Those things are fine, but again what if the woman has private loan debt? IBR is of no use. Moreover, if the woman were to go into default, she would no longer be a candidate for these programs. But Ms. Higginbottom really didn't have much else to suggest. Luckily, she returned to speaking about prospective students and all the wonderful things they're doing for them, and how this woman can be assured that her 4 children will have opportunities to go to college, and take on their own student loan debt. Whoopdeedoo. Ms. Higginbottom, you are ignoring the indentured educated class, but why am I surprised?
A non-profit organization dedicated to the eradication of all student loan debt through activism, education, and legislation; because student loan debt is dangerous to the US economy and to the health and well-being of individual Americans and their families. CRYN JOHANNSEN, Founder & Executive Director
Friday, December 31, 2010
Turning War Veterans Into Indentured Educated Citizens
Regardless of the critics going after Sen. Harkin, I will continue to applaud him for his recent efforts to combat the for-profits. At least someone on the Hill is fighting for a portion of the indentured educated class. Of course, the problem goes way beyond the for-profits, and that is where Sen. Harkin's focus falls short. The student lending crisis encompasses the non-profits, too. It must also be emphasized that the problem is inter-generational. Of course, it is important to point out that minorities and the poor are the ones who carry the heaviest burden of debt, and they are easily targeted by the for-profits. Sadly, there is another group that these schools are going after: war veterans. There have been several pieces (for example, see here) that discuss war veterans returning from Iraq and Afghanistan, enrolling in for-profits, and finding themselves drowning in a sea of student loan debt.
I was recently in touch with a veteran who attended a non-profit school. While this person was a soldier in Iraq, their loans went into default. This occurred despite their efforts to get in touch with their lender to inform them that they were going to war. These are issues that ought to be investigated by the U.S. Department of Education, and as far as I am aware, no such thing is happening. How can we do this to soldiers who fight for the United States of America? How can we rip off any American who only wishes to better their lives through higher education? Here is yet another sad example of how we've lost our way - American is downgrading itself. Higher education is all about the bucks, and as a result it has become corrupted in the most sickening of ways.
Here's what the veteran had to say:
I was a music major at NMSU during the 2000-2001 academic year. During this period I had no choice but to take out one Stafford loan, and one Perkins loan, totaling about $5500, to cover my tuition and expenses for two semesters. I only had the New Mexico Lottery Scholarship for one semester, and at that time it barely covered half of the tuition, and a $500 a semester music scholarship, plus the minimum Pell Grant. During the Fall 2001 semester I withdrew from school, left the NM Army National Guard, and went into the regular Army, after the events of 9/11.
I somehow had my loans deferred while I spent my first year of service in Korea (2002-2003), I do not remember how. After my year in Korea, I was back in the US, but three months later I was deployed to Iraq(2003-2004). Before I deployed, I contacted NMEAF (the lender, now known as New Mexico Student Loans) and informed them I was going to be deployed to Iraq, and may not be able to make payments. I sent them a copy of my orders, which said I would be gone for 6 months to a year. I informed them I would most likely be deployed for a year. To my surprise 6 months later, I received some mail from my grandfather including a letter from NMEAF that my loans were in default and that the US Department of Education had consolidated them.
I thought this wasn't too big of a deal. When I returned home, I checked on how much I owed. The amount was a lot more than I expected. Apparently one of the loans accrued over a thousand in fees. My total was now roughly $7200. I wonder how much I would have owed had my loans stayed in deferment.
If this war veteran is unable to get out of default, the fees will make the debt astronomical. I've reviewed enough documents and listened to enough stories to know that a reasonable amount of debt can balloon once in default. And while this amount of debt may seem minuscule by a lot of people's standards, I know of many cases in which similarly small principal balances ran into the tens of thousands (and more) once the default machine was set into motion.
I was recently in touch with a veteran who attended a non-profit school. While this person was a soldier in Iraq, their loans went into default. This occurred despite their efforts to get in touch with their lender to inform them that they were going to war. These are issues that ought to be investigated by the U.S. Department of Education, and as far as I am aware, no such thing is happening. How can we do this to soldiers who fight for the United States of America? How can we rip off any American who only wishes to better their lives through higher education? Here is yet another sad example of how we've lost our way - American is downgrading itself. Higher education is all about the bucks, and as a result it has become corrupted in the most sickening of ways.
Here's what the veteran had to say:
I was a music major at NMSU during the 2000-2001 academic year. During this period I had no choice but to take out one Stafford loan, and one Perkins loan, totaling about $5500, to cover my tuition and expenses for two semesters. I only had the New Mexico Lottery Scholarship for one semester, and at that time it barely covered half of the tuition, and a $500 a semester music scholarship, plus the minimum Pell Grant. During the Fall 2001 semester I withdrew from school, left the NM Army National Guard, and went into the regular Army, after the events of 9/11.
I somehow had my loans deferred while I spent my first year of service in Korea (2002-2003), I do not remember how. After my year in Korea, I was back in the US, but three months later I was deployed to Iraq(2003-2004). Before I deployed, I contacted NMEAF (the lender, now known as New Mexico Student Loans) and informed them I was going to be deployed to Iraq, and may not be able to make payments. I sent them a copy of my orders, which said I would be gone for 6 months to a year. I informed them I would most likely be deployed for a year. To my surprise 6 months later, I received some mail from my grandfather including a letter from NMEAF that my loans were in default and that the US Department of Education had consolidated them.
I thought this wasn't too big of a deal. When I returned home, I checked on how much I owed. The amount was a lot more than I expected. Apparently one of the loans accrued over a thousand in fees. My total was now roughly $7200. I wonder how much I would have owed had my loans stayed in deferment.
If this war veteran is unable to get out of default, the fees will make the debt astronomical. I've reviewed enough documents and listened to enough stories to know that a reasonable amount of debt can balloon once in default. And while this amount of debt may seem minuscule by a lot of people's standards, I know of many cases in which similarly small principal balances ran into the tens of thousands (and more) once the default machine was set into motion.
Friday, December 24, 2010
Good-Bye Korea, Hello Home - plus the best present ever (AEM, Inc!)
Annyeong Korea!
It's Christmas Eve in Korea. I have no Christmas tree. I have no lights. I have no new dog. I just shipped the puppy-pooch off to the vet for 10 days this morning. I will be boarding a plane and coming home in a matters of days.
But you know what? It's time. It's high time.
I say that, but then I think about leaving Korea, leaving the kids, leaving the great friends . . .
I was looking forward to having my little apartment filled with good cheer and good food, good barks and good laughs. But that wasn't in the works, and that's fine. I'll see my dog again stateside, and I won't lose touch with the special people here. Plus, I have my health and a wonderful spouse. I have also forged significant and long-lasting relationships here, one of which has changed my life in ways I never thought possible. On top of having the best female friend ever - she's charming, witty, and British! (kinda) - we have become co-authors of a fantastic book. I know the editor who winds up publishing it for us will be the luckiest gal alive, aside from me.
Hello Home
So I'm returning to the land of the grim. Increased poverty. Stagnating wages. Outrageous Bush-era tax cuts. A President who doesn't seem to care about issues that matter to most Americans. But it's time that we stop thinking of America in that way. We're all right about feeling down on America: it is grim and it sucks right now, especially because a lot people who are running the country are tone deaf. People are hurting and in terrible ways. That is why I don't want a soul to feel bad that I'm crying like a water faucet on full blast at the moment. Because my tears are for the great things and the good people I'll be leaving behind (especially Abi). I'd names others, but I don't want them to freak out, and I'm not sure about their privacy wishes. But to the friends I've made here, and who I will miss sorely, you know who you are. You have been supportive, fun, and genuine. I look forward to seeing all of you back in the states.
The sadness that I'm reading in emails from you, well, that's different from what I'm experiencing. The need for a voice, for change, that's what I hear you demanding through your despairing notes. That's why it's time for me to return.
We're going to make this work. I'm determined.
I've made thousands of connections across the U.S. I'm in contact with hundreds of you on a regular basis. You are talented, smart, capable. On top of that, you want things to be better, and you want it now. We need to stop letting D.C. decide that the focus should only be on 'prospective' students. That's bullshit. We need to let them know who we are. That's why I am intent on opening an office in D.C. The decisions are made when you're in that swamp of a city, and I'm willing to sweat it out.
It's Christmas Eve and bitterly cold, but I am filled with good cheer. I've been in touch with a number of my Board Members already about my imminent return, and we've been discussing ways in which we can move forward.
AEM, Inc. is the best present I could have received on this very special, yet odd Christmas, and if it weren't for your generous donations, we wouldn't even be a non-profit. There you have it: AEM is a wonderful gift, and I want to thank all of you for making it real.
Now it's time to get down to business. Grant time, friends. Legal defense fund time. All of this will lead us to establishing an office and a presence in D.C. It's time to get busier and to get things accomplished for the indentured educated class.
Happy Holidays to all of you (non-believers and believers alike). Most importantly, Abi and husband, thanks for being the best gal pal and husband ever.
It's Christmas Eve in Korea. I have no Christmas tree. I have no lights. I have no new dog. I just shipped the puppy-pooch off to the vet for 10 days this morning. I will be boarding a plane and coming home in a matters of days.
But you know what? It's time. It's high time.
I say that, but then I think about leaving Korea, leaving the kids, leaving the great friends . . .
I was looking forward to having my little apartment filled with good cheer and good food, good barks and good laughs. But that wasn't in the works, and that's fine. I'll see my dog again stateside, and I won't lose touch with the special people here. Plus, I have my health and a wonderful spouse. I have also forged significant and long-lasting relationships here, one of which has changed my life in ways I never thought possible. On top of having the best female friend ever - she's charming, witty, and British! (kinda) - we have become co-authors of a fantastic book. I know the editor who winds up publishing it for us will be the luckiest gal alive, aside from me.
Hello Home
So I'm returning to the land of the grim. Increased poverty. Stagnating wages. Outrageous Bush-era tax cuts. A President who doesn't seem to care about issues that matter to most Americans. But it's time that we stop thinking of America in that way. We're all right about feeling down on America: it is grim and it sucks right now, especially because a lot people who are running the country are tone deaf. People are hurting and in terrible ways. That is why I don't want a soul to feel bad that I'm crying like a water faucet on full blast at the moment. Because my tears are for the great things and the good people I'll be leaving behind (especially Abi). I'd names others, but I don't want them to freak out, and I'm not sure about their privacy wishes. But to the friends I've made here, and who I will miss sorely, you know who you are. You have been supportive, fun, and genuine. I look forward to seeing all of you back in the states.
The sadness that I'm reading in emails from you, well, that's different from what I'm experiencing. The need for a voice, for change, that's what I hear you demanding through your despairing notes. That's why it's time for me to return.
We're going to make this work. I'm determined.
I've made thousands of connections across the U.S. I'm in contact with hundreds of you on a regular basis. You are talented, smart, capable. On top of that, you want things to be better, and you want it now. We need to stop letting D.C. decide that the focus should only be on 'prospective' students. That's bullshit. We need to let them know who we are. That's why I am intent on opening an office in D.C. The decisions are made when you're in that swamp of a city, and I'm willing to sweat it out.
It's Christmas Eve and bitterly cold, but I am filled with good cheer. I've been in touch with a number of my Board Members already about my imminent return, and we've been discussing ways in which we can move forward.
AEM, Inc. is the best present I could have received on this very special, yet odd Christmas, and if it weren't for your generous donations, we wouldn't even be a non-profit. There you have it: AEM is a wonderful gift, and I want to thank all of you for making it real.
Now it's time to get down to business. Grant time, friends. Legal defense fund time. All of this will lead us to establishing an office and a presence in D.C. It's time to get busier and to get things accomplished for the indentured educated class.
Happy Holidays to all of you (non-believers and believers alike). Most importantly, Abi and husband, thanks for being the best gal pal and husband ever.
"Let's see who's up next. Oh . . . Cryn. Her readers and volunteers have given her AEM, Inc. as a gift, and her friends are offering her genuine support and love. Splendid presents!"
Wednesday, December 22, 2010
Willing to speak up about suicide for the indentured educated class?
I am in touch with someone at CNN who is interested in my research on suicide and student loan debtors. They want to move forward with this story, but they would like someone to publicly admit that their student loan debt has made them contemplate or attempt suicide. I realize that it's asking a lot, but if you are willing to have the courage to speak out and on television about these feelings, we could get this story on CNN.
If you are willing to discuss it, please let me know ASAP. I can be reached by email (ccrynjohannsen @ gmail DOT com).
If you are willing to discuss it, please let me know ASAP. I can be reached by email (ccrynjohannsen @ gmail DOT com).
Saturday, December 18, 2010
A Former Law Student Confesses: "I think about jumping from the 27th floor of my office building every day."
As most of you know, I am currently working on an article about suicide and student loan debt. Earlier this week, Matt Stannard from Shared Sacrifice interviewed me about the subject.
Since that interview, I've received a few posts from people who have informed me that they fully intend to off themselves (see the most recent comments here and here). As a result of these disturbing posts, I have asked many of you to come out in support of struggling individuals, and tell them that nothing - not even Everest-sized mountains of student loan debt - ought to lead them to committing suicide. Thanks to all of you who have posted comments of support so far. Trust me, it helps. Several people have told me that if it weren't for me - and others who are raising holy hell about the student lending crisis - they would have killed themselves long ago. So please, if you haven't posted something supportive, think about doing it now. You never know, your own story about feeling similarly could safe a life.
So many people are hurting, and so many people are thinking about killing themselves. These people aren't crazy. Far from it. They are approaching their indebtedness from a rational perspective, and sadly suicide seems like a viable choice. That's not out of the norm. When there are severe economic downturns, people often turn to drastic measures to get out of a hopeless predicament. Financial ruin leads many healthy people to an early grave, and quite often it's from their own hand. As Barbara Ehrenreich stated quite frankly in an article from 2008 entitled, "Suicide Spreads as One Solution to the Debt Crisis," when people feel backed up against a wall, it's only natural for them to say, "Just shoot me!" At that time, many people who found their homes being repossessed chose to proclaim, "I'll just shoot myself!"
After listening to my interview, a reader let me know that they contemplate jumping from the 27th floor of their work every day.
Here's what they wrote:
Cryn, I listened to your interview and cried for hours. I graduated from law school with honors back in 2003 and never found a job as an attorney. I've worked a bunch of odd jobs the last 7 years just to survive. I've been a retail worker, a call center worker, a housekeeper, a dishwasher, and a temp - seriously, it seems like I've been everything except what I went to school for! I know my life is ruined and that I will never be a practicing attorney. I get it, really I do. After all, I'm around attorneys 24/7 in my current job and they look down their noses at me or else just ignore me. I am a loser and no one wants to be around a loser or else they might become one to. I try to remind myself that my life wasn't always like this - that people used to like me and that I had a lot going for me in college and even law school. However, after years of being snubbed and treated so terribly, I have learned to be as invisible as possible and to keep to myself. I'm sure that gives everyone at work a good laugh - then they can say I'm anti-social or not good with people and therefore not attorney material.
I could live without being a practicing attorney but what I can't get over is the fact I ruined my life by borrowing $100,000 to go to law school. I thought I was making a really good investment in myself because I believed in myself back then. I knew I would do well in school, and I guess I thought I would get a job and be able to pay back my loans. How incredibly wrong I turned out to be. Even if I am able to get out of student loan debt, I will be starting over from scratch. Zero savings. Zero retirement. Zero career options.
Every day I think about jumping out the 27th floor window of the office building where I am currently working to escape the mess I have made of my life. I am in so deep now, there is no way out. I used to keep myself up at night thinking about how I would ever pay my student loans off, but now I keep myself up at night, wondering if this is really how the next 30 years of my life will be - always moving from one dead-end job to the next, always being looked down at by attorneys (and even non-attorneys when they find out I'm an attorney but not working as one), always feeling so sick to my stomach that I can't hardly even eat anymore. I used to worry about starving to death if I couldn't afford to buy food if I never found a job, but now I don't have to worry about that because I have no appetite! Maybe I will just wither away and finally be put out of my misery. I really don't think I can keep doing this for another 7 years, let alone the rest of my life. I don't know what to do. While I haven't completely given up, I don't think it's that far around the corner. . .
I'm sorry this is long and depressing, but it's nice to get this all out. I am not asking anyone to forgive my student loans; I fully intend to pay back every last cent I borrowed. I just want to feel like all of my hard work and sacrifice was worth it, instead of always feeling humiliated, embarrassed, ashamed, bitter and angry. I'm so tired of feeling this way - I just want the pain to go away. Thanks for listening.
As Matt Stannard asked, and I'll reiterate, how many people aren't reaching out to me? How many people will wither away, jump from buildings, or drink themselves to death because of their debt?
Since that interview, I've received a few posts from people who have informed me that they fully intend to off themselves (see the most recent comments here and here). As a result of these disturbing posts, I have asked many of you to come out in support of struggling individuals, and tell them that nothing - not even Everest-sized mountains of student loan debt - ought to lead them to committing suicide. Thanks to all of you who have posted comments of support so far. Trust me, it helps. Several people have told me that if it weren't for me - and others who are raising holy hell about the student lending crisis - they would have killed themselves long ago. So please, if you haven't posted something supportive, think about doing it now. You never know, your own story about feeling similarly could safe a life.
So many people are hurting, and so many people are thinking about killing themselves. These people aren't crazy. Far from it. They are approaching their indebtedness from a rational perspective, and sadly suicide seems like a viable choice. That's not out of the norm. When there are severe economic downturns, people often turn to drastic measures to get out of a hopeless predicament. Financial ruin leads many healthy people to an early grave, and quite often it's from their own hand. As Barbara Ehrenreich stated quite frankly in an article from 2008 entitled, "Suicide Spreads as One Solution to the Debt Crisis," when people feel backed up against a wall, it's only natural for them to say, "Just shoot me!" At that time, many people who found their homes being repossessed chose to proclaim, "I'll just shoot myself!"
After listening to my interview, a reader let me know that they contemplate jumping from the 27th floor of their work every day.
Here's what they wrote:
Cryn, I listened to your interview and cried for hours. I graduated from law school with honors back in 2003 and never found a job as an attorney. I've worked a bunch of odd jobs the last 7 years just to survive. I've been a retail worker, a call center worker, a housekeeper, a dishwasher, and a temp - seriously, it seems like I've been everything except what I went to school for! I know my life is ruined and that I will never be a practicing attorney. I get it, really I do. After all, I'm around attorneys 24/7 in my current job and they look down their noses at me or else just ignore me. I am a loser and no one wants to be around a loser or else they might become one to. I try to remind myself that my life wasn't always like this - that people used to like me and that I had a lot going for me in college and even law school. However, after years of being snubbed and treated so terribly, I have learned to be as invisible as possible and to keep to myself. I'm sure that gives everyone at work a good laugh - then they can say I'm anti-social or not good with people and therefore not attorney material.
I could live without being a practicing attorney but what I can't get over is the fact I ruined my life by borrowing $100,000 to go to law school. I thought I was making a really good investment in myself because I believed in myself back then. I knew I would do well in school, and I guess I thought I would get a job and be able to pay back my loans. How incredibly wrong I turned out to be. Even if I am able to get out of student loan debt, I will be starting over from scratch. Zero savings. Zero retirement. Zero career options.
Every day I think about jumping out the 27th floor window of the office building where I am currently working to escape the mess I have made of my life. I am in so deep now, there is no way out. I used to keep myself up at night thinking about how I would ever pay my student loans off, but now I keep myself up at night, wondering if this is really how the next 30 years of my life will be - always moving from one dead-end job to the next, always being looked down at by attorneys (and even non-attorneys when they find out I'm an attorney but not working as one), always feeling so sick to my stomach that I can't hardly even eat anymore. I used to worry about starving to death if I couldn't afford to buy food if I never found a job, but now I don't have to worry about that because I have no appetite! Maybe I will just wither away and finally be put out of my misery. I really don't think I can keep doing this for another 7 years, let alone the rest of my life. I don't know what to do. While I haven't completely given up, I don't think it's that far around the corner. . .
I'm sorry this is long and depressing, but it's nice to get this all out. I am not asking anyone to forgive my student loans; I fully intend to pay back every last cent I borrowed. I just want to feel like all of my hard work and sacrifice was worth it, instead of always feeling humiliated, embarrassed, ashamed, bitter and angry. I'm so tired of feeling this way - I just want the pain to go away. Thanks for listening.
As Matt Stannard asked, and I'll reiterate, how many people aren't reaching out to me? How many people will wither away, jump from buildings, or drink themselves to death because of their debt?
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