YIKES!! After reading this everyone should check on their student loans and
make sure that there are no hidden surprises! Ask financial aid for a
printout of your financial aid history here at Hunter and at any other
schools. you should also get copies of your credit reports!
_____
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By STARLEE KINE
Published: June 11, 2006
Three years ago, I was living in Chicago, working as a radio producer. I had
health insurance. There was a sheet of paper hanging above my desk that
listed everyone's extension. Seeing my name there felt like proof that I was
a responsible, on-the-ball adult. Or at least it did until the afternoon
that Dorse, the woman down the hall in human resources, called me into her
office and told me the government was trying to garnish my wages. She handed
me a stack of forms that had just been faxed over, detailing the thousands
of dollars that, until that moment, I had no idea I owed.
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Miguel Gallardo
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<http://www.nytimes.com/indexes/2006/06/11/magazine/index.html> Off to the
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I am currently $64,707 dollars in debt, none of which I actually borrowed.
As best as I can figure, my mom first starting signing my name when I was
18. She took on at least five credit cards as well as about $50,000 in
student loans. I thought my parents were paying for my college, but it turns
out my mom would take out the loans every three months, under my name, for a
couple thousand dollars each. Which was fine, except that once I graduated,
my mom seemed to forget about the loans entirely. She never paid them back
or alerted me of their existence so that I might have. They now amount to
$58,607 because of the interest that accumulated during the seven years that
they weren't being dealt with.
That day at the office, I braced myself to call my mom. I tried to convey
why I was upset, but she didn't understand, which was precisely what was so
upsetting. She promised she would take care of everything, sort it out, pay
it all back, which I knew would never happen and wasn't even what I was
really after. I just needed her to agree that this was a big deal. Then we
could move on from there.
There's a letter she sent me a couple of weeks after our conversation. It's
written on loose-leaf paper, and the edges are all ragged as if it had been
torn out in a hurry. My mom says that she's so happy to be sending
documentation showing that the loans have been completely paid off and that
my negative credit has been erased. Then in parentheses she writes, "Please
keep in special drawer — don't lose."
The papers she's referring to showed that she paid off one of the loans, for
a little more than a thousand dollars. She never made a payment again, and
my credit is still as bad as ever. But at the same time, some part of her
recognized a need for organization and a system and a special drawer to keep
it all in. Maybe she thought the mere act of conceiving of these things was
enough, and once she did that, the rest would work itself out on its own.
My mom and I haven't spoken in a while. It wasn't an agreed- or planned-upon
split; there was no final slamming down of the phone. We both just sort of
stopped calling for longer and longer periods. Now, two years later, I'm
still not sure if I gave up on her or she gave up on me.
The only person in my family with worse judgment than my mom's is my dad,
and that's because he trusted in hers for so long. They finally divorced
three years ago. My dad says that he and Mom didn't once sit down to discuss
the bills or to plan for the future. The money stuff was left up to her.
When I asked my dad if he knew about the loans, he told me, "I frankly just
must have had my head in the sand."
He and I have had many conversations about my debt, each of which has
frustrated me in a new and confusing way. The last time I asked him why my
mom took out thousands of dollars of loans in my name, without my knowledge,
and then never paid them back, he promptly answered that it was because of
the cold war. "The early 90's was a confusing time," he said. "We didn't
have this invisible enemy that we were fighting against anymore." When I
asked how did any of this pertain to me, and what the hell was he talking
about anyway, he tried to elaborate. "This is before the dot-com boom, of
course. You've heard of the dot-com boom, right?"
What seems to have happened is that my dad's real estate development
business slowed down right when I was about to go off to college. Or,
according to his time line, right about when the cold war was ending. So my
mom started taking out the loans . . .and stopping paying the bills.
When I talk to my dad about this period, his voice changes a bit, and the
pauses get real long. He tells me: "In the Depression, when things went bad,
the parents called the kids up and said you can't go to college. We never
said you weren't going to college." I try to tell him that I understand
this, that everyone hits on hard times, that I appreciate how much they
cared about my education, that it's the whole
not-discussing-it-with-me-first-so-I-might-have-done-something aspect that
I'm hung up on. But to him it's all the same.
My dad and I are currently chipping away slowly at the loans, enough so that
the government doesn't come after me, but not enough to make much of a
difference. He has suggested many times that we just leave it alone for
seven years and see if it disappears. Recently I applied to graduate school
and got in, but I most likely cannot go. Because of my defaulted student
loans, I can't borrow any money at all. The only real credit card I've ever
had was a student Visa that my parents gave me when I was 18 and told me to
use for books and supplies. I used it mainly to buy clothes. I've been
living a cash existence ever since. The worst part about my debt is that,
since I had no idea it existed, I wasn't able to enjoy getting myself into
it.
Starlee Kine, a frequent contributor to True-Life Tales, is working on a
book about self-help titled "It IS Your Fault."
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