From the time
I was 5 or 6 years old I was told by an abusive father, "You'll
be a great engineer one day!" When I graduated high school
in 1988 I really did not know what I wanted to do with my life. But
little did I know my abusive father had been filling out college applications
and forging my name.Apparently I was accepted at one of the most respected
engineering schools in the mid-west, the University of Missouri-Rolla.
So, in August of 1988, eventhough I never filled out a college application,
I found myself enrolled at UMR. I struggled because I just did
not enjoy engineering. Finally I changed my major to economics
(UMR did not offer much else) and graduated in the spring of 1995.
Again, I did not know what to do with my life. I bounced around
from one low paying job to the next. The most I ever made annually
was just over $20,000. Twenty thousand a year is not enough to
live on even without student loans.Finally in 2004 I made $41,000 and
repayed one loan that came directly from UMR.
As has been my luck with employment I am again unemployeed/underemployed.
Currently I work part time for $8 per hour and have no hope of getting
out of student loan debt. I called MOHELA (Missouri Higher Education
Loan Association)in the mid and late 1990s and told them I didn't even
have enough money to feed myself so there was no way I would be able
to make payments on the student loans.
I called them at least 30 to 40 times over the next few years.
Each time I was bounced around from person to person and never found
anyone who could help me. I honestly think they just did not know
what to do, so they did nothing.Finally I just gave up calling because
nothing ever happened.To this day I'm not sure of all the companies
that have held my loans.
I originally owed around $18,000.
I have been trying to work out a deal with any collection company that
contacts me but they just don't care about my situation. They
just want money and I don't have any money to give them.One of the companies
told me I now owe around $40,000 with penalties, fees, interest and
who knows what else...
I would really like to be interviewed but even more than that I would
really like someone to help me find justice within the student loan
system.My understanding is that if the debt burden is more than 20%
of disposable income then the loans are eligible for forbarence or deferrment.
My rights have been violated and I have been injured because of the
Can you help me?
Can you get me in contact with someone who can help me?
Please help me.
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