Beth Chernes, JD

Taqueria made me hungry.

Repayments are not often calculated correctly by servicers (see /r/studentloans). There's no incentive for servicers to forgive anything.

30 years. This bill is indentured servitude.

Republicans continue to laugh in the face of middle-class pain.

Before I joined the Income-Based Repayment (IBR) plan, my monthly repayment was $700. I made $36,000 a year. After IBR, my payments were around $130 a month. Much more manageable.

25 years... no biggie, right?

I didn't know what I was getting into when I agreed to take on debt for law school. Now, I'm still paying off those loans... and it's been a nightmare.

Thankfully, in 2007, Congress saw the problem faced by borrowers.

- Removes subsidized loans for undergraduate borrowers, where the government covers interest on the loans while the borrower is still enrolled in school.

Do you trust an 18-year-old to understand the consequences of $38,270 in student debt per year of college? (Average cost of college in the USA)

Highlights:

-Income-based repayment will now require 30 yrs (up from 20-25) before forgiveness. This affects specific industries where wages are low (think: teachers, social workers, CNAs, etc.).

-Change the fundamental terms universities agree to when they participate in the federal loan program.

Republicans plan to overhaul the federal student loan system. Here's what to know The Republican proposal would eliminate Grad PLUS loans, set strict limits on Parent PLUS loans and create a system in which colleges would be on the hook if their students don't repay their loans.

Going to college may become more of a pipe dream than the American dream.

Reminder:

🚫Student Debt is the only debt you can't get rid of in bankruptcy court.

😬Student Debt is unsecured, so there's no physical asset backing the loan, and default can lead to wage garnishment & tax refund seizure.

Correct. God forbid we actually help non-millionaire and billionaires!

I saw! 😭

Woo hoo, dude! Yeah, for me, the Biden Admin fixed incorrect calculations. But, I feel like any promise of “forgiveness” was a lie. The government purposely made it extraordinarily complicated for borrowers to overcome the administrative hurdles. The house always wins. ☹️

How Trump has wiped out the teams that protect student borrowers Staff cuts at the Consumer Financial Protection Bureau and the Department of Education have drastically reduced the number of people overseeing federal student loan servicers.

Like other student borrowers nearing forgiveness, I see a much harder time getting it.

Reminder: student debt is the only debt that cannot be discharged in bankruptcy court.

Stop Pinellas County Commissioners from Taking over Palm Harbor Library As residents of Pinellas County Florida, we trust the staff at the Palm Harbor Library to provide access to books, materials, displays and programming. We want our children to have access to display...

Stop county politicians from interfering with local libraries. Banning books has never been popular in history.

This cause is close to my heart - please sign: www.fightforthefirst.org/petitions/pa...

Just waiting for my nat 20 moment.

I’m going, who else is? 🤩

an advertisement for dungeons & dragons shows a man running ALT: an advertisement for dungeons & dragons shows a man running

Yes, indeed! We saw it in the theaters and loved it!

Love our monthly DnD sessions!

Real heroes….also get out of bed, too. 🏆 Partial credit!

I’d probably just not eat eggs for awhile.

I can’t wait until my doctor prescribes healing crystals to treat my next sinus infection.

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Well, that’s alarming.

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Yes, indeed!