Sallie Mae call.

Well I got the call. ugg. Was late on sending in my payment. But it was that or not get heating oil for my house and freeze.  I told her I will have a payment by the end of the month. A quick adjustment and forbearance and they will be off my phone once more. I am going to send in weekly small payments and see what happens. I was thinking of also sending in 1.00 a day. lol. Just for kicks. Sounds like a waste I know. But really sending in this money all goes to interest and the likelihood of these loans getting paid off is slim to none. So why not enjoy being a pain in their butt too.

Saw this article this morning I thought I would share. Its called "Colleges Follow Bait and Switch Pricing Measure to Lure Students.  Its a good article that explains how we end up in this mess. If nothing else its something else to warn those who is doing their homework about for profit colleges.

First payment ready.

Well I have to take the plunge and make these payments. I"m doing it weekly. Small chunks at a time. Heck since I am going to pay this until the day I die I might as well not take a huge hit monthly right. Smaller amounts are easier to deal with. Well until something happens that well I either win the Lottery or these loans are forgiven. And right now it does not look like either is going to happen fast.

I did hear from the Art Institute. They offered me to pay 1/2 of what I owe in full. Nice deal if I had that money. I admit it would be nice to get them out of the way.

On other debt news I"m plugging away at things a little at a time. The car loan is paid off! I need to send extra money to another bill. But right now with the weather being so cold our extra money went to heating oil instead. :(  

My bill binder is working for me. Its keeping me somewhat organized. I do have a envelope that i put in a few dollars here and there to work on my emergency fund. I have to say it feels good to stash a little money aside. Even if its just a very small amount right now. I think I"ll start selling stuff from around here again and put that toward this fund.

So far sadly I do not see an end to the student loan. But I have learned a lot about  myself from this experience. But what I should of done and what has been done are not going to change things. But I know that I can move forward.

I pray a lot about this student loan situation.  So hopefully something will happen one day. Right now I have decided to put it in God's hands and listen to him. He is saying pay what you can at the moment. For me personally this is a lesson I had to learn. Its a hard one at 48 I tell you.

Until next time. Pray, Keep up with the latest news, and do what you can. We are all in this together.