Private College Student Loan

looking for U.S. Department of Education - Direct Loans payment center for student loan? Meric College student loan

What will happen to my Direct Loan if the Department of Education is shut down?

How did MOHELA take over my loan from the US Department of Education? I have a student loan from the US Department of Education. (Direct Loans) My loan is paid on-time, every month, and in good standing. I received a letter in the mail today from MOHELA claiming that they have taken over my student loan and I should start paying them. Here is what they claim in the direct mail they sent me: WHY WE ARE CONTACTING YOU: Effective 11/10/11, your federally-owned student loan account, previously serviced by the Direct Loan Servicing Center, is now being serviced by MOHELA, Department of Education Servicer. MOHELA is honored to be selected as your servicer and we look forward to providing you with excellent service. --End of quote-- MOHELA's address: 633 Spirit Drive., Chesterfield, MO. 63005 I have never contacted MOHELA for any reason. I went to school in California. I am from California. I have never even been to Missouri in my life. How could they have possibly got ahold of my loan? My loan is not past due, and has always been paid on time. I have never attempted to consolidate my loan, or change it to a loan servicing center. Is it legal for them to just suddenly take over my loan? Is this a scam? I have never contacted MOHELA in my life, I still have not contacted them. I just received this letter in the mail out of the blue. Is this legal? Should I contact the Better Business Bureau and file a complaint? Can I sue them for harassment?

Can I consolidate all my student loans listed at NSLDS? My NSLDS account (http://www.nslds.ed.gov ) lists several student loans I have, both direct and non-direct, subsidized and unsubsidized. Now the government's Direct Consolidation Loans (http://www.loanconsolidation.ed.gov/ ) claims I can consolidate "U.S. Department of Education Direct Loans, U.S. Department of Education non-Direct Loans, Perkins, and Federal Family Education Loans". Does this basically mean I can consolidate ALL the loans I have listed at NSLDS? I'm assuming all my loans listed on the NSLDS are government loans, either direct or non-direct, right?

How doe you get a PLUS Loans for Graduate and Professional Degree Students after July 1, 2010? Looks like you borrow the money directly from the U.S. Department of Education under the Direct Loan Program, but HOW? http://studentaid.ed.gov/PORTALSWebApp/students/english/PlusLoansGradProfstudents.jsp

Should i pay the interest on my student loans starting now? I got this letter from direct loans, the u.s department of education telling me i have a balance of about 72 on interest on my student loans. should i pay this off right now or wait until i graduate? I was under the impression that I wasn't going to have to pay anything until about six months after graduation :l. help?

Mohela took over my loan from the Department of Education and claimed it could change the terms? I got a notice a few months ago that Mohela was taking over my student loan from the Direct Loan Servicing Center and several payments have been made with auto-debit to Mohela at the correct amount of $1289.78. The loan was consolidated under a single loan about 10 years ago with a 30 year term and with a fixed interest rate of 4.95% (with the .25% deduction of the auto debit included). I have all the documentation to prove it and I am sure Direct Loan Servicing Center provided Mohela with this information. I receive a letter yesterday raising my monthly payments to ~$11,057 a month and stating it was due to "Your terms have been re-calculated to maintain federal/program guidelines". Obviously, the new terms were not agreed upon by me and I can not afford this unbelievably high payment. I would like Mohela (loan previously with Direct Loan Servicing Center) to address this and return to the agreed upon monthly withdrawal of $1289.78 at the 4.95% interest rate for both loans combined as per the terms/disclosure and condition sheet that I possess demo Direct Loan Servicing Center. I do not understand why the change in the monthly payment amount without us requesting it since it was agreed upon already on a signed document between myself and Direct Loan Servicing Center. This breach of terms is not only improper but unethical and frankly not the right way to do business. If it is in error then they should have better quality (document) control. What is going on??? Contacted Mohela today and at first they were adamant that I was wrong and they could not have made a mistake. But I was not going to let this go so I told them I had documentation and they were definitely off on this for sure. I read the representative the info from my disclosure statement from Direct Loan Servicing and let them know the loan matured in 2031 not 2013 as their most recent letter stated. It looked like someone had switched the last two digits. After about an hour on the phone and going thorough a supervisor at Mohela they came back and said their was an error on their side. I asked "who made the error, Mohela or Direct Loan Servicing" the representative said she didn't know because her supervisor just gave her the info regarding the mistake and not who made it. If I hadn't pushed for a resolution then I would have walked away with a payment which was ~10x the original. In any case, they said it would be reflected on my account in 48 hours and my My maturity date will return to 2031. Lets see what happens. By the way, they said they never heard of you Will (Shaffner).

My student loans are now being serviced by Sallie Mae? I just logged in to the direct loan servicing website to pre pay my student loans for the next few months and I now have a $0 balance with this message: Our records indicate that Account(s) *****s no longer being serviced by us. This account is now being serviced by: Sallie Mae - Department of Education Loan Services. Uhhhmmmmmm WHAT? Why did this happen? My account was current! Idk what to do does this mean all my repayment terms have changed? Has the DLS consolidated all my loans with my other Sallie Mae loans without my permission? I'm trying to get an answer from both companies but its always a wait to talk to a rep and im on hold now. omg. still holding. I previously owed Sallie Mae and the Federal Direct Loans programs about 10 G each. Now the FDL says I owe them 0, and sallie mae is only giving me a total of about 13g. This is a mess. Can anyone tell me whats going on?

Credit Score and Mortgage Situation..? My husband and I were looking into buying our first home with the intentions of obtaining a FHA loan. However, after doing some research a couple months back, I discovered that my husband had a terrible credit score of 547. The $11,170 student loan that his father was court ordered to pay during the divorce was more than 90 days late on 9 separate occasions. His father never told us that he wasn't paying this loan, and since he was in charge of it, the only contact information they had was his father's and his mother's/his home address (with whom he doesn't talk to). After talking to a mortgage loan specialist, we realized there would be no one that would approve us for a mortgage even given the circumstance. So some friends of mine graciously said that they will give us a place to stay so we can financially focus our money on working off his student loans. So my first question is, if we put more than $2,000 a month down on his loans, how long would it take before his credit score began to rise? Also, my husband threatened to take him to court for violating the court order where his father then said that he would only be able to get a $5,000 loan out to cover the costs. My second question is if we contacted the US Department of Education/Direct Loan (loan lender) and told them the situation, that we had $5,000 to put down on it, and that we could send a copy of the court order, would they remove most of the bad credit with the loan? If someone could please give us some answers and insight into what we could do I would so very much appreciate it. This whole situation has put such a strain on our marriage and I don't know what to do at this point.

Can my school change my federal unsubsidized loans without my permission? My school originally awarded me 2 federal direct unsubsidized loans. One was for 6219 per semester The other was for 5970 per semester I also received the maximum of 8500 for subsidized loans. I have received official documents from the Department of Education Loan Services and the US Department of Education for all of the aforementioned amounts. My school decided to then reverse these loans and then issue me a new one for 5028 per semester. I have NO previous student debt at all or any debt for that matter. My credit score is an 812 out of 830. I have NEVER been financially irresponsible. I did NOT submit any requests, either verbally or written, to modify my loans. I am receiving a scholarship for 36000 this year (total) to help with living expenses. The total estimated cost to go to my school, with tuition, books, fees, transportation, food, health care (which is mandated), etc. is over 65000. With the original amounts, I would have been above the federal poverty line. With the new modified amounts, I will not be able to afford rent or basic needs as it will leave me with 14000 for the remainder of the year to cover all extraneous expenses such as housing, food, clothing, utilities, transportation to and from school, etc. It is cheaper to live off campus than to live on campus, which I do live off campus. The maximum for subsidized loans EACH year for a graduate student is 8500. The maximum for unsubsidized loans EACH year for a graduate student is 20, 500. The total maximum for subsidized and unsubsidized for a graduate is 29000. http://www.direct.ed.gov/applying.html http://www.finaid.org/loans/studentloan.phtml I am in my first year and have no previous debt. So therefore, I do not breach these rules and regulations and limits. I completed all of the counseling, applications, entrance, etc. in early April of 2011 (this year). My question is, can my school change my original awards suddenly (less than 72 hours before final payment is made (September 19, 2011) and place me in such a disposition? If so, why. If not, why not. Thank you for your time!!!!

Am looking for the site where you find out my balance on my gov. loan. Where do I look? I have a loan through direct loans/u.s. department of education and can't find the site to look up to get my balance do you have any ideas?

How much funding is budgeted by the U.S. Government for Student Financial Aid in the Department of Education? How much is spent on direct grant in aid? work study? loans? Please cite sources.

How long does certification process take for a student loan? My financial aid was just sent to the DOE Direct Loan for certification for a stafford graduate loan. My Master Promissory Note and everything has been signed and done. I'm just now waiting for the "certification" process. I'm not a first time borrower so I'm assuming it should be relatively quick. Does anyone know tha approximate lenght of time (particularly now in March) for the department of education to certify a direct stafford loan once all necessary paperwork is completed and the school has sent it in to them?

How do i get the US Department of Education to accept my Americorp Voucher? I have a loan of now 2,800 dollars from direct loans and I keep mailing them the form filled out with the whole payment. They do not accept the online payment thru Americorp nor will they fax anything back to Americorp. Ive mailed the correct form over 6 times. I even payed for signature confirmation to ensure that they recieve the voucher form.The US Dept. of Edu. said they mailed the filled out voucher to Americorp on Feb 16. Americorp states they havnt received anything from them. Americorp gives me their fax num, allows me to do online payment requests but the problem is the US Dept of Edu JUST tells me ' oh well we mailed it out on Feb theres nothing else we can do'. They wont fax anything to Americorp, they wont allow any other confirmation of mailing out the voucher to Americorp, nor will they mail it back to me so i can pay for a signature confirmation from Americorp. What agency or who can i contact if the US Dept keeps giving me the run around about ensuring that they get payed through Americorp? Im at my wits end with calls back and forth and the US Dept just saying we sent it through reg mail we cant do anything else. Please help, at my earnings i cant afford to give payments every month and id rather just use my Americorp Segal Award to pay off my loan entirely.

What are some reputable companies to consolidate private student loans? My attorney told me that in order to consolidate my private student loans to be sure that I used a federally approved company or one that had the stamp of approval of the Department of Education. I can't really find any information, and I'm not looking for a shady company obviously. I have found a few like Wells Fargo, but have read that those loans are actually a scam. Can anyone please make suggestions or direct me to the right place? Thanks!

When are the interest rates of a parent PLUS loan start to be accrued? Same question goes to Direct, Subsidized loans. And what does it mean that the Department of Education will pay the interest for the direct subsidized loan?

My school says I have out 16,000 in student loans but my lender says I only owe 9,000...... Who to beleive? I was in the financial aid office today discussing some things and my adviser tells me I have out 16,000 in student loans! I KNOW i did not take out that much and only have about 10,000 in loans. So when I got home I called my lender and they said I only have out 9,000 in loans. I ever called the department of education number to be sure I dident have loans out with any other lender. I only have loans out with the one lender Direct Loans. So why is my school telling me I owe 16,000 when my lender is saying I only owe 9,000? The lender says to go by what they say since they are the ones I'll be paying back but I'm just baffled as to why the school is saying i owe so much more in loans. Could this cause problems down the road? I don't want to be paying back more money than i borrowed.... or should i just go by what the lender is telling me? I codent really get a straight answer out of financial aid. thanks for your help!

WE NEED A BAILOUT FOR COLLEGE GRADUATES? If homeowners are getting bailout in terms of loan restructing in regards to FHA. Then so should college student in regards to private loans. People talk about how corrupt Walll street was in regards to home loans. Let's talk about corruption in regards to Private Student Loans. Department of Education through DIRECT, should take the initiative in consolidating private student loans. I am not neccessary asking for a bailout, however similiar through FHA, restructing of Private Student Loans, where they can have same benefits of Direct Loans. The reality as unemployment increases, the odds of default will rise, however a program though Direct allowing private loans to be consolidated with a fixed interest rate will be beneficial towards to the economy.

Can I pay back a loan early? Hi I'm a freshman in my college and I accepted a loan (roughly $2000) from the U.S. Department of Education's Direct Loan Servicing Center. Is it possible to pay it back early (because my grants already exceed my tuition fee) ??

income tax deduction on education loan? I had taken education loan from Credila of Rs.6 lakh last year on which I am paying interest only since June, 2010. This will continue till June, 2012. After that, I will have to repay EMIs including principal and interest.I have not claimed any IT relief so far. Please advise what documents are required by me for getting tax relief for 2010-11 and 2011-12 from Credila and whether these are required to be submitted to IT Department direct or to my offce. What are other requirements? Also, can I get tax relief for payment of interest during 2010-11, and if so, what is to be done.

which loan is better the Federal Direct Subsidized Loan to meet need or the Federal Perkins Loan? these are the terms William D. Ford Federal Direct Subsidized Loan to meet need : The William D. Ford Federal Direct Loan program is available to undergraduate, graduate, and medical students based on financial aid eligibility. The federal government will pay interest on this loan while you are enrolled in college at least half-time. The application will not be processed through a bank, but rather through UCI and the U.S. Department of Education.The guarantee and origination fee will be deducted from the loan amount you borrow. You will be charged a 2.0-percent origination fee. A rebate of 1.5 percent of the loan amount will be included in each disbursement. If you advance a grade level during the academic year you may be eligible for a higher maximum annual loan limit. Otherwise, you must wait until the period of time equal to an academic year elapses to borrow again under the William D. Ford Federal Direct Student Loan Programs (subsidized and unsubsidized). Interest Rates are fixed at 6.0 percent. the second loan is: Federal Perkins Loan The Federal Perkins Loan is a long-term federal loan for students who demonstrate financial aid eligibility. Cumulative totals for the full term of college attendance may not exceed $20,000 for undergraduates and $40,000 for graduate students. Interest rate 5 percent per year during repayment Deferment period before repayment Information regarding deferments will be provided at your exit interview. Also, you may refer to your promissory note for the information. Full repayment up to 10 years Minimum payment $120 per quarter

How does a Federal Direct Subsidized Loan (William D Ford Loan) work? "The William D. Ford Federal Direct Loan program is available to undergraduate, graduate, and medical students based on financial aid eligibility. The federal government will pay interest on this loan while you are enrolled in college at least half-time. The application will not be processed through a bank, but rather through UCI and the U.S. Department of Education. The guarantee and origination fee will be deducted from the loan amount you borrow. You will be charged a 1.5-percent origination fee. A rebate of 1.0 percent of the loan amount will be included in each disbursement. If you advance a grade level during the academic year you may be eligible for a higher maximum annual loan limit. Otherwise, you must wait until the period of time equal to an academic year elapses to borrow again under the William D. Ford Federal Direct Student Loan Programs (subsidized and unsubsidized). Interest Rates for Undergraduate students are fixed at 5.6 percent. Interest Rates for Graduate/Professional students are fixed at 6.8 percent." Can someone clarify this for me? Let's say I borrow $3000.00, what will be the outcome?

Help with student loan? I got this email On March 30, 2010, President Obama signed into law mandating that all federal student loans be made under the William D. Ford Federal Direct Loan (Direct Loan) Program. The law will be effective July 1, 2010. Since most private lenders reserve the right to modify or terminate their programs at their discretion and without prior notice, we strongly encourage all students who need a loan for the summer session to be ready to switch to the Direct Loan Program. The Direct Loan Program provides more certainty during this transitional period since it is administered and funded by U.S. Department of Education. To be ready for Direct Loan, all you have to do besides completing your FAFSA is: 1. Complete a Master Promissory Note (MPN), and 2. Complete an Entrance Counseling session. Both can be done anytime online at www.studentloans.gov Office of Financial Aid I already did my fafsa a few months ago so what am I suppose to do now? My class will start on the fall I don't understand the "we strongly encourage all students who need a loan for the summer session to be ready to switch to the Direct Loan Program" So I can just ignore this?

What is he doing for the students? I am very concerned after I read what Obama said about the financial aid for students. Because I'm trying to get into college but I can't do that if their is no financial aid for us. Here is what he said. The House measure also backs Obama's plans to essentially eliminate the federal guaranteed student loan program, replacing such loans with direct loans made by the Department of Education. The proposal would be advanced on a fast-track under the plan, which the Congressional Budget Office estimates would save $92 billion over 10 years that could be used to fund other aid to students.

Does this reply mean that my parent qualified for the PLUS loan? Serious answers only please... I know it's long, so thanks to anyone who can bear with me. I'm a US student going overseas to study at university in the UK. The university I am attending offers student loans of $5500 if you have a low EFC and are a dependent student, but says that if your parent doesn't qualify for a parent PLUS loan then you can apply as an independent student to receive $9500. I wanted to qualify for the full $9500 loan, so I asked my mom to apply for the parent PLUS loan assuming that she wouldn't get accepted because as far as we know, both she and my dad have always had terrible credit and my mom is currently unemployed. Well, she applied for the PLUS loan, and after entering her information and agreeing to a credit check there came this reply (to all intents and purposes, my mom will now be christened BLABLA): Dear BLABLA, You are approved to borrow a Direct PLUS Loan, pending the receipt of additional loan records from the school you or the student attends. This determination is based on the results of a credit check with: EQUIFAX INFO SERVICES LLC P O BOX 740241 ATLANTA GA 30374 (800)685-1111 The pending loan records must be received within the next 90 days. If the loan records are received more than 90 days after the initial credit check, a new credit check will be conducted to determine your continued eligibility. If you have questions regarding the next steps, the status of your loan, when the loan will be disbursed (paid out), or no longer wish to receive the loan, contact the school's financial aid office. After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer and you will be provided with the servicer’s name, address and contact information. Your servicer will service, answer questions about, and process payments on your loan after you enter repayment. Sincerely, U.S. Department of Education Federal Student Aid William D. Ford Federal Direct Loan Program Okay, so I am completely new at this process... I don't know if the PLUS loan comes through the school or the government, and from what it seems here my mom qualified for the loan? Am I right in thinking that? She received an email saying that the university should be notified in the next 24 hours, is it up to them whether she qualifies or do they just set the amount? We were both surprised when it said she had passed the credit check, I was hoping to get some insight from anyone who has dealt with this before. Thank you to anyone who can help. For the person who answered first, we didn't expect that since she has bad credit and is unemployed she would get accepted.... but I myself couldn't qualify for the full loan amount unless she were denied. Any loan that my parents receive will be my responsibility to pay off (IF they even receive any loan money)... I would never stick my parents with such a responsibility, I am a responsible person and know perfectly well that I, myself can make every payment on time... my parents are not fools, they are just people who care about their daughter and know that I am responsible enough to take on making the payments.

Someone please help me understand this....? I feel really stupid because for some reason I can't figure out if I will receive my aid in time before my classes start, even though it seems to be spelled out very simply. I am enrolled in an online program through my local community college, my classes start 24 hours a day, 7 days a week, all year. You get to select your own start date for each class, and payment for the class is due the day before it starts. My classes start on Oct. 26th, I have a pending grant and direct loans that I will accept Monday. Here is my program's disbursement policy- Learn on Demand has two 8 Week Payment Periods for grants. The payment period starts on the start date of the student’s first scheduled module. The grant payments are credited to student’s account in the 7th week of each 8 week payment period. These funds will be disbursed to the student’s account depending on the number of credit hours enrolled or intent to enroll into for the payment period and/or academic year. PELL, SEOG, ACG, CAP and KEES will be credited to student’s account in the 7th week of the 8 week payment period. Student must be enrolled for half-time (6 credit hours) or greater to qualify for Federal Direct Subsidized and Unsubsidized Loans. Students will receive one loan payment per term. Loans will not be certified until student reaches at least half-time (6 credit hours) enrollment and started their first course. At that point, the loan funds will be requested for release from the Department of Education. Will I receive my grant and loan money in time to pay for my classes? I don't have the cash to pay for classes if I don't receive this right away... Thanks!

How to cancel a U.S. Student Loan? I'm trying to cancel a loan. Since I will not be attending school this year or that university I wanted to know if there is some contact information to call. I did it through the U.S. department of education. This being the case I can't seem to find any contact info to inquire about this problem. Does anyone know where I can find contact info to cancel a Direct Subsidized Loan?

Help with the student loan? I got an email from college saying On March 30, 2010, President Obama signed into law mandating that all federal student loans be made under the William D. Ford Federal Direct Loan (Direct Loan) Program. The law will be effective July 1, 2010. Since most private lenders reserve the right to modify or terminate their programs at their discretion and without prior notice, we strongly encourage all students who need a loan for the summer session to be ready to switch to the Direct Loan Program. The Direct Loan Program provides more certainty during this transitional period since it is administered and funded by U.S. Department of Education. In the letter it said "we strongly encourage all students who need a loan for the summer session to be ready to switch to the Direct Loan Program" I'm only going to college this fall so can I sign up for it also? Sorry i'm not good in english.

For Conservative: Which government-controlled programs should be removed to give $$$ back to taxpayers? Americorps Peace Corps Head Start FEMA Human Genome Project Clean Water Act Welfare Medicaid Medicare Ban on CFCs Direct Student Loans Social Security Meals on Wheels Free lunches for poor schoolchildren Department of Education SEC FAA FCC

Who asked this question (hands down, one of the worlds longest questions)? Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

Have you seen this passed (H.R) Bill of "American Recovery and Reinvestment Act of 2009"? http://thomas.loc.gov/cgi-bin/bdquery/z?d111:HR00001:@@@L&summ2=m& Makes supplemental appropriations for FY2009 to: (1) the Department of Homeland Security (DHS); (2) the Department of the Interior; (3) the Environmental Protection Agency; (4) the Department of Agriculture; (5) the Department of Health and Human Services (HHS); (6) the Smithsonian Institution; (7) the National Foundation on the Arts and the Humanities; (8) the National Endowment for the Arts; (9) the Department of Labor (DOL), Employment and Training Administration; and (10) the Department of Health and Human Services. Amends the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 to extend employment eligibility confirmation pilot programs (including the E-Verify basic pilot program). Directs the Commissioner of Social Security and the Secretary of Homeland Security to enter into a fiscal year agreement to provide funds to the Commissioner for the full costs of such programs in quarterly advances. Requires that the Government Accountability Office (GAO) to conduct studies regarding: (1) erroneous tentative nonconfirmations under the E-Verify program; and (2) the effects of such program on small entities. Amends the Longshore and Harbor Workers' Compensation Act to revise the exclusion from the meaning of "employee in the recreational marine industry" of any individuals employed to repair a recreational vessel or to dismantle any part of it in connection with its repair. Establishes a Federal Coordinating Council for Comparative Effectiveness Research. Directs the Secretary of Health and Human Services to invest in the infrastructure necessary to allow for and promote the electronic exchange and use of health information for each individual in the United States, consistent with the goals outlined in the Strategic Plan developed by the Office of the National Coordinator for Health Information Technology. Makes supplemental appropriations available to the Department of Education for: (1) education of the disadvantaged; (2) impact aid; (3) school improvement programs; (4) innovation and improvement activities; (5) special education; (6) rehabilitation services and disability research; (7) certain student financial assistance programs, as well as federal administrative expenses for such programs; (8) teacher quality partnership grants; (9) the Institute of Education Sciences; and (10) school modernization, renovation, and repair. Sets the maximum individual Pell Grant amount at $4,860 for award year 2009-2010. Establishes grant programs for the modernization, renovation, and repair of: (1) public elementary and secondary school facilities; and (2) higher education facilities that are primarily used for instruction, research, or student housing. Amends the Higher Education Act of 1965 to increase the amount authorized and appropriated for Pell Grants for FY2009-FY2010. Increases annual and aggregate student loan limits under the Federal Family Education Loan (FFEL) program. Alters, on a temporary basis, the formula for calculating special allowance payments made to FFEL lenders to compensate them for the difference between FFEL interest rates and market rates. Makes supplemental appropriations for FY2009 to: (1) the Corporation for National and Community Service; (2) the National Service Trust; (3) the Social Security Administration (SSA); (4) the DOD; (5) the Department of Veterans Affairs; (6) the Department of State; (7) the Department of Transportation; and (8) the Department of Housing and Urban Development (HUD).

WORLDS LONGEST QUESTION...Please answer it...? Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

Which of these items will actually stimulate the economy? Which will most egregiously NOT help the economy? This is what's actually in the Recovery Bill. http://wsbradio.com/blogs/jamie_dupree/2009/02/spending-in-the-stimulus-bill.html $24 million for construction and repairs to US Department of Agriculture facilities $22.5 million for the USDA Inspector General for oversight on the stimulus bill $176 million for deferred maintenance on US Agricultural Research Service facilities $50 million to modernize and maintain the IT system of the Farm Service Agency $290 million for "Watershed and Flood Prevention Operations" $50 million for "Wastershed Rehabiliation Program" $1 billion for rural housing direct loans $10.4 billion for rural housing guaranteed loans $2.5 billion for rural distance learning, telemedicine and broadband $100 million in grants for National School Lunch Program equipment assistance $150 million in agricultural commodity assistance $1 billion for the Census Bureau $4.7 billion for "Broadband Technology Opportunities Program" which includes $350 million for the development of a "broadband inventory map" $650 million for Digital TV converter box program $220 million for Scientific research at the National Institute of Standards and Technology $360 million for Construction of scientific research facilities $230 million in extra budget money for the National Oceanic and Atmospheric Administration $600 million for NOAA "Procurement, Acquisition and Construction" $225 million in grants for programs to combat violence against women $2 billion in state and local law enforcement assistance grants $225 million in grants to improve the criminal justice system $225 million in law enforcement assistance to Indian Tribes $100 million for the "office for Victims of Crime" $125 million in law enforcement assistance for rural areas $50 million in state and local grants to combat internet crime against kids $1 billion for the COPS program $400 million in operations budget money for NASA $150 million for "Aeronautics" at NASA $400 million for "Exploration" at NASA $2.5 billion for research at the National Science Foundation $100 million for NSF "Education and Human Resources" $400 million for NSF "Major Research Equipment and Facilities Construction" $1.4 billion in Army "Operation and Maintenance" $657 million in Navy "Operation and Maintenance" $113 million in Marine Corps "Operation and Maintenance" $1.09 billion for Air Force "Operation and Maintenance" $98 million for Army Reserve "Operation and Maintenance" $55 million for Navy Reserve "Operation and Maintenance" $39 million in Marine Corps Reserve "Operation and Maintenance" $13 million for Air Force Reserve "Operation and Maintenance" $266 million for Army National Guard "Operation and Maintenance" $25 million for Air National Guard "Operation and Maintenance" $75 million each for Army, Navy, Air Force "Research, Development, Test and Evaluation" $400 million for "Defense Health Program" $2 billion for Army Corps of Engineers construction $375 million for Army Corps projects on the Mississippi and tributaries $2.07 billion for Army Corps of Engineers "Operation and Maintenance" $100 million for "Formerly Utilized Sites Remedial Action Program" $1 billion for Interior Department "Water and Related Resources" $50 million for Central Utah Project Completion Act $50 million for California Bay-Delta Restoration Act $10 million to inspect canals in urban areas $16.8 billion for Energy Department, "Energy Efficiency and Renewable Energy" $5 billion of that goes for "Weatherization Assistance" $4.5 billion to improve the nation's electricity grid $3.4 billion for "Fossil Energy Research and Development" $483 million for "Non-Defense Environmental Cleanup" $390 million for "Uranium Enrichment Decontamination and Decommissioning Fund" $1.6 billion for "Science" $6 billion "Innovative Technology Loan Guarantee Program" $5.12 billion for "Defense Environmental Cleanup" $7 million for oversight of "Making Work Pay" tax credits and payments in this bill $80 million to implement health insurance tax credit plan $5.5 billion for the "Federal Buildings Fund" $300 million to buy energy efficient vehicles for the federal government $200 million to consolidate the Department of Homeland Security Headquarters $100 million for hi tech border security technology along the Mexican border $420 million for construction of US Customs land border ports of entry $20 million for tactical communications equipment for immigration enforcement $1 billion for Aviation Security (explosive detection equipment) $98 million for improvements to Coast Guard shore facilities $142 million for "Alteration of Bridges" $150 million in FEMA Public Transportation Security Assistance grants $150 million for Port Security Grants $210 million in grants to upgrade non-Federal fire stations $125 million for Bureau of Land Management activities $180 million for Bureau of Land Management construction $15 million for Wildland Fire Romare, obviously not all economist think it will stimulate the economy. Take a look at http://www.cato.org/special/stimulus09/cato_stimulus.pdf where 200 economists sign a full-page ad saying that government spending is not the way to improve the economy.

what is the answer? : Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

How long does an account have to be past due before it goes on my credit report? I'm so mad right now. The stupid department of education has sold and transfered my loans about 4 times in the past year, 2 of which have occured in just a couple months. I no sooner set up direct ACH payments than they transferred it again. I did not get this in the mail till just now and I looked at the new website where my account is and it says my account is 17 days past due and Deliquent!! I'm so pissed off. My credit score is 750 at 22 years old. I'm about to have a serious cow here. Will it say "late" on my credit report?? Or is there a grace period before it is branded on there? I just paid the ammount due (2 payments) and it will be applied to my account, and if their system is not laying it should be no more than 20 days past due. Should I just call them? I'm stressed cause it's Sunday and I'm just now finding this crap out.

Last one... student loan interest deduction - can I claim it? I've had some student loans sitting for a while now, and finally will qualify for a program that will allow me to clear it as "paid," to the department of education, yet I will repay the financial company for the loan instead. It is so I can start borrowing student aid again. If the financial pays the loan (including the interest), and it appears on my behalf as "paid," can I use that interest payment that the financial agency paid on my behalf, or would I have had to make a "direct payment" on that interest? This is a good one.

Student loan Consolidation? I applied for student loan consildation. I am due to start paying these back in Feb.2011.. I still haven't heard anything from the department of education. I called them today but it's Sunday so understandably they are closed. The automated message states they received my application on 12/6 and have sent me a letter stating I am in "Summary Statement Phase?" I have not received any letters. I have been looking for any correspondence from them very eagerly and truly haven't received anything When I go to their website and look for my account, there is a list of my loans and that is it? So any of you that have gone through this here are my questions: 1) Will they consolidate all of the loans I applied for even if they are stafford, direct, subsidized and unsubsidized? 2)Have any of you applied for the IBR repayment plan? (Income Based Plan) 3)If so what was your monthly payment like? 4)Can you apply for forbearance if you haven't received info on how much to pay or haven't received any correspondence? 5)I'm in social work so my income is very low ($17K) but I owe $50k in loans. What does my repayment plan look like under the IBR plan? Yes, I already know I'm screwed so please no rude comments. Thank you for your help.

America no understand the DREAM Act would cut deficit by $1.4 billion? Legislation that would give permanent US residency to the children of undocumented workers if they complete two years of college or military service would cut the federal deficit by $1.4 billion over 10 years, according to a new government report. The Congressional Budget Office (CBO) along with the Joint Committee on Taxation (JCT) also estimates that the Development, Relief and Education of Alien Minors Act (DREAM Act) would increase revenue by $2.3 billion from 2011 to 2020. While the bill would increase net direct spending by $912 million over the 2011-2020 period. the CBO reported, "That amount reflects changes in spending for refundable tax credits, Social Security, Medicare, student loans, and the Department of Homeland Security (DHS). DHS would charge fees to certify legal status under the bill. Because DHS’s costs for implementing the bill would be covered by those fees, CBO estimates that implementation by DHS would have no significant impact on spending subject to appropriation." http://www.rawstory.com/rs/2010/12/dream-act-cut-deficit-14-billion-cbo-report/

Since they're being compared, which association is worse from a presidential standpoint - Ayers or Keating? -Ayers set bombs in the early 70s, actions which Obama has condemned. His condemnation is left out when McCain or Palin talk about his associations. -Ayers has rehabilitated his image with many in the Chicago community, including Mayor Richard M. Daley. Ayers is now a professor of education at the University of Illinois at Chicago and has developed a reputation as an advocate for school reform. Which is, according to Ben LaBolt, an Obama campaign spokesman, how the two met. -Ayers helped Chicago win nearly $50 million for Chicago schools as part of a national school reform project, the Chicago Annenberg Challenge. -In March 1995, Obama was named chair of the six-member Chicago Annenberg Challenge board that distributed the grants. A New York Times review of archives of the Chicago Annenberg project found that the two attended six board meetings together. -Later that year, the Ayers’ hosted a coffee at which Illinois State Sen. Alice Palmer, who planned to run for Congress, introduced Obama to some of her long-time supporters as her chosen successor. The event was not a fundraiser. CONTRAST WITH: -Keating and McCain, both former Navy fliers, met at a Navy League dinner in 1981, and became friends and mutual supporters. -Keating, a prominent Arizona banker, organized fundraisers for McCain's campaigns for the House and later the Senate, and donated $112,000 to McCain by 1987. He also hosted the McCain family at least nine times at his lavish vacation home in Cat Cay, Bahamas. -On two occasions in 1987, he and fellow Sens. Dennis DeConcini of Arizona, Alan Cranston of California, John Glenn of Ohio and – in the second meeting – Don Riegle of Michigan, (all Democrats aside from McCain), met with federal regulators at Keating's request and asked them to back off Lincoln Savings and Loan, a subsidiary of Keating's American Continental Corp. -During the second meeting, the regulators told the senators they suspected Lincoln of criminal misconduct, and intended to refer the matter to the Department of Justice. That took the senators aback – McCain, in particular, did nothing more on the matter after the regulators mentioned criminality, a Senate investigation later found. -The government seized the failing institution in 1989. Different players in the drama have different interpretations of whether the senators' involvement delayed the investigation. -But it is clear that indeed McCain "intervened on behalf of Charles Keating with federal regulators tasked with preventing banking fraud." -McCain had intervened on Keating's behalf before. Having "heard frequently from Charlie" about a proposed savings-and-loan regulation called the "direct investment rule," Mcain tried to fight the regulation or get an exemption for Lincoln, he wrote in his book. -So yes, McCain also "championed legislation to delay regulation of the savings and loan industry," -The Senate Ethics Committee, after a 14-month investigation into the Keating Five, largely exonerated McCain, citing him only for "poor judgment." -He did not reimburse Keating for $13,433 worth of airfare to Keating's home in the Bahamas until the trips were exposed years later by reporters in Arizona. And reporters also discovered that McCain's wife and her father had invested $359,100 in a shopping center with Keating in 1986. -The government seizure of Lincoln cost taxpayers more than $2 billion, a sum that many would find "incredible," as the Obama campaign claimed. So neither Senator really broke the law, but both exercised poor judgement. Which do you think is worse? Working with a respected professor to allocate education funds, who happens to have a shady radical past? Or being the very definition of a Washington insider, trading lavish vacations and large sums of campaign funds to help your banking buddies get around regulations? http://www.politifact.com/truth-o-meter/statements/776/ http://www.politifact.com/truth-o-meter/statements/777/ Regulator - And Obama never did anything wrong in the first place. It's not his dealings with Ayers that are under examination, it's Ayers' past that somehow is supposed to reflect poorly on Obama. And I AM trying to focus on the issues. I think that what these incidents say about both men is a serious issue. I think McCain's attempts to get his friends around regulations should be thouroughly examined, considering what caused our current economic crisis. EVERYONE: I'm not asking whether Ayers or Keating is a worse person, I'm asking which of the actions of our presidential candidates in association with each of those people is worse.

RESUME HELP! Can I aks for some outside assistance? I have been unemployed for just about 8 months right now. My resume, when the job market was good, was a decent resume. I had some help from an associate at the last institution I worked for, however, reviewing it, I do not feel it is all that strong. Could I get some help or just another set of eyes to look at it and let me know what you think? Also, should I list my unemployed status? I am working part time at Target while unemployed for some supplemental income, should I post that? Should I leave Linens n Things on there, even thought it was only one month? Thank you in advance, --A sad and frustrated banker. Adam Armstrong 225 Stark St. NE., Salem, OR. 97303 503.856.6681 adam.armstrong@live.com Objective: -I am seeking a position that will further my career, as well as assist in the growth of the company and my fellow associates. Profile: -Nearly four years experience in management. -Exceptional training in communications. -Goal-oriented individual with strong leadership capabilities. -Organized, highly motivated, and detail-directed problem solver. -Proven ability to work in unison with staff, volunteers, and costumer’s. -Strong sales leader. Education: -Currently attending the University of Phoenix, majoring in Business Management. Relevant Work & Accomplishments -Management/Supervision -Mentor (trainer) for new associates. -Annual budgeting. -Consistently able to help the branch meet the goals set (20% increase from previous year). -Directed recruitment and retention of supervisors and staff of nine employees. -Training, supervising, evaluating and coaching improvement management skills. Relevant Work Experience Linens n Things, Salem, OR. Nov. 25th, 2008 Dec. 23rd, 2008 Department Manager, HouseWares, -Sold fixtures, gave quotes, and helped in the removal of fixtures. - Assisted in the liquidation of all product. -Answered phones, and questions on the phones. -Recovered HouseWares and assisted in recovery of other areas in the store. -Double verified deposits. -Ran transactions on cash registers. -Recovered shopping carts. -Assisted in all aspects of customer service. -Assisted associates when needed. -Stated employment with the understanding that the position was temporary due the liquidation. Marion and Polk Schools CU. Assistant Branch Manager II, June 14th, 2007 Aug. 20th, 2008 Salem, OR. -Provide exception service to staff and customer’s alike. -Home Equity and Mortgage loans, as primary lending duties. Assisting in auto, boat, RV, personal and Visa loans as well. -Involvement with the West Salem Rotary and the West Salem Business Association. -Community involvement, primarily with the West Salem High School, in our Titan Branch. We currently have three interns working between the two branches. -Branch support in all aspects needed. Assisting other loan officers, acting as a teller, handling member discrepancies and teller cash/check outages. -Meet monthly referral goals. -Handle multiple operating systems at one time. -Met the following lending goals monthly: $250,000.00 home equity loans. Close at least one mortgage. -Make sure the branch meets its control policy and passes all audits, according to company policy and State/Federal guidelines. -I would handle new and existing IRA’s and Certificate deposits. -Coaching the staff monthly or as needed by individual. -Marketing and new Relationship marketing quarterly with our Relationship Manager. Umpqua Bank. Nov. 1st 2004 June 9th, 2007 Lead Associate/Mentor -Lending in the following areas: auto, RV, home equity, Visa. -Opening and maintain new accounts, IRA’s and time deposits. -I would assist in branch goals and the overall flow of the branch. -Open, close and assist members in safe deposit boxes. -Weekly we had teleconferences where we would discuss our success, and areas we needed to improve in. -Balancing the vault, coin machine, and teller drawer. -Over draft reports; calling and following up with clients. -Yearly we had to volunteer 40 hours to a local charitable organization. -As a mentor my duties were to train the new hire in the Umpqua culture. I would train them on 1)Service 2)Products 3)Sales -I would also, on occasion, assist in ‘Train the Trainer’ classes.

Who hold's true power in America ? Well come see -? When you research you find many things questionable and scary like this courtesy of the Freedom of Information Act - SUBJECT: Executive Orders APPLICABLE EXECUTIVE ORDERS The following Executive Orders, now recorded in the Federal Register and therefore accepted by Congress as the law of the land , can be put into effect at any time an emergency is declared: 10995--All communications media seized by the Federal Government. 10997 - Seizure of all electrical power, fuels, including gasoline and minerals. 10998 -Seizure of all food resources, farms and farm equipment. 10999 -Seizure of all kinds of transportation, including your personal car, and control of all highways and seaports. 11000 - Seizure of all civilians for work under Federal supervision. 11001 - Federal takeover of all health, education and welfare. 11002 - Postmaster General empowered to register every man, woman and child in the U.S.A. 11003 - Seizure of all aircraft and airports by the Federal Government. 11004 - Housing and Finance authority may shift population from one locality to another. Complete integration. 11005 - Seizure of railroads, inland waterways and storage facilities. 11051 - The Director of the Office of Emergency Planning authorized to put Executive Orders into effect in "times of increased international tension or financial crisis". He is also to perform such additional functions as the President may direct. Stated simply : the dictatorial power of the Executive rests primarily on three basis : Executive Order 11490 , Executive Order 11647 and the Planning , Programming , Budgeting System which is operated through the Office of Management and Budget . E. O. 11490 is a compilation of some 23 previous Executive Orders , signed by Nixon on Oct. 28, 1969 and outlining emergency functions which are to be performed by some 28 Executive Departments and Agencies whenever the President of the United States declares a national emergency { as in defiance of an impeachment edict, for example } . Under the terms of E. O. 11490 , the President can declare that a national emergency exists and the Executive Branch can : Take over all communications media Seize all sources of power Take charge of all food resources Control all highways and seaports Seize all railroads, inland waterways, airports, storage facilities Commandeer all civilians to work under federal supervision Control all activities relating to health, education, and welfare Shift any segment of the population from one locality to another ,Take over farms, ranches, timberized properties Regulate the amount of your own money you may withdraw from your bank or savings and loan institution All of these and many more items are listed in 32 pages incorporating nearly 200,000 words providing an absolute bureaucratic dictatorship whenever the President gives the word. Executive Order 11647 provides the regional and local mechanisms and manpower for carrying out the provisions of E. O. 11490 . Signed by Richard Nixon on Feb. 10, 1972, this Order sets up Ten Federal Regional Councils to govern Ten Federal Regions made up of the fifty still existing States of the Union . Any comments ?

Please help with my resume problem! Any suggestions? How to make it better? I have been unemployed for over a year. It has been very difficult to find a job and I don't know what is wrong with my resume. I have pasted the resume below and maybe you ca see what I might lack, btw I am not attending Devry anymore I am attending a real University now. Maybe you can give me a suggestion what I can apply for. Ive applied every where and its just annoying I dont know what to do anymore. Also if you have any ideas how to better my resume please let me know. SUMMARY -Strong organizational, problem-solving, multi-tasking, and time-management skills -Dedicated to maintaining high standards and providing outstanding customer service -Effective communication skills with a strong understanding of the importance of confidentiality -Proven ability to work independently and as part of a team -Proficient in Microsoft Office Suite and QuickBooks EDUCATION DeVry University, Chicago, Illinois Associate of Applied Science in Web Graphic Design, February 2011 Technical Specialty: Computer Graphic Artist G.P.A 3.6/4.0 Honors COMMUNITY SERVICE -Two years' experience answering students' inquiries regarding computer software and hardware operation at North Eastern Illinois University. -Six months' experience teaching academic subjects, such as Psychology and Mathematical skills to pupils requiring private instruction, adapting curriculum to meet individual’s needs at North Eastern Illinois University. -Six months' experience administers life support care to sick and injured persons in pre-hospital setting as authorized and directed by physician at Scheurer Hospital. PROFESSIONAL EXPERIENCE Corus Bank, Chicago, IL April 2007-Januaray 2010 Data Entry Clerk -Reading source documents such as canceled checks, atm cards, wire transfers, sales reports, safe box and loans, or bank statements, and entering data in specific data fields or onto tapes or disks for subsequent entry, using keyboards or scanners. -Resolving fraud or service complaints and refers grievances to designed departments for investigation. -Conferring with customers by phone to receive orders for opening and closing bank accounts, general questions, and turning-on or off atm cards, discontinuance, general information or changes in banking service. -Resolving garbled or indecipherable messages, using cryptographic procedures and equipment. Caseville County Park, Caseville, MI April 2004-October 2006 Park District Attendant -Maintained an inventory of vacancies, reservations and campground assignments. -Registered arriving guests and assigned campsites or seasonal homes. -Answered inquiries regarding services and registration by letter, by telephone and in person. -Provided information about services available in the community and responded to guests’ complaints -Compiled and checked daily record sheets, guest accounts, receipts and vouchers using computerized or manual systems.

Can anyone give me some serious help with student loan consolidation questions? I am drowning! I have four loans that I'm currently paying off and am trying to find a way to consolidate them. One through American Education Services, one is a federal direct loan owned by the US Department of Education, and the last two are through Rhode Island Student Loan Authority. I tried to consolidate with loanconsolidation.ed.gov but they would only recombine the two parts of the one federal direct loan, despite the fact that the RISLA people are the ones who sent me to them! Regardless. I have spent the last few hours making myself crazy looking through consolidation websites and I could really use some help. The name of a reliable credible and helpful consolidation campany would be amazing as well as any tips from someone who has been here. The only name I've gotten so far was Chase and they have temporarily suspsended their consolidation programs. Please help! And one last plea...useful information only please, I don't need people posting stupid answers about how screwed I am.

Credit Score and Mortgage Situation..? My husband and I were looking into buying our first home with the intentions of obtaining a FHA loan. However, after doing some research a couple months back, I discovered that my husband had a terrible credit score of 547. The $11,170 student loan that his father was court ordered to pay during the divorce was more than 90 days late on 9 separate occasions. His father never told us that he wasn't paying this loan, and since he was in charge of it, the only contact information they had was his father's and his mother's/his home address (with whom he doesn't talk to). After talking to a mortgage loan specialist, we realized there would be no one that would approve us for a mortgage even given the circumstance. So some friends of mine graciously said that they will give us a place to stay so we can financially focus our money on working off his student loans. So my first question is, if we put more than $2,000 a month down on his loans, how long would it take before his credit score began to rise? Also, my husband threatened to take him to court for violating the court order where his father then said that he would only be able to get a $5,000 loan out to cover the costs. My second question is if we contacted the US Department of Education/Direct Loan (loan lender) and told them the situation, that we had $5,000 to put down on it, and that we could send a copy of the court order, would they remove most of the bad credit with the loan? If someone could please give us some answers and insight into what we could do I would so very much appreciate it. This whole situation has put such a strain on our marriage and I don't know what to do at this point.

If I enroll in a new school can I re-direct my loan payments until I graduate? I have taken out loans from Sallie Mae ( Department of Education now ) and have graduated with an Associates Degree. I wish to continue my education, but I am not sure I would be able to do that and take out new loans if I have to repay loans as I attend the new school. Is there any way to re-direct the loans until I graduate from the new school? I have taken out loans from Sallie Mae ( Department of Education now ) and have graduated with an Associates Degree. I wish to continue my education, but I am not sure I would be able to do that and take out new loans if I have to repay loans as I attend the new school. Is there any way to re-direct the loans until I graduate from the new school? Also they payments for the previous school haven't started yet.

why we do this? can someone plz put reference into essay in correct format plz. because i dont know where to internet site and book refernece. http://www.tac.vic.gov.au/jsp/content/NavigationController.do?areaID=24&tierID=1&navID=220BAF2F7F00000100BCE28A82D317CC&navLink=null&pageID=1287 Source: Bell& Langdon. Office+ Business Admin Plum Press 1998 How do employer select the right person for their business? The interview process can be a tremendous help if employee use it effectively. They must completed all of the other steps in the hiring process in order to get the most out of the interview process. Interviewing candidates for a position within company is one of the final steps in the hiring process. Before employee get to this step, want to make sure that they've completed all of the preceding steps since each of these steps will have a direct impact on how effective the interview process will be. Below is a list of the steps involved in the hiring process. After they completed the interviewing process, there are still two additional key steps that have to complete. In order to achieve the best hiring results possible. Basics requirements for the job, new staff must have understanding business needs, for example: (Credit Officer).They have must have experience in dealing with customers, be computer literate, good attitude and be willing to work weekends on a rotational roster. Duties include: Analyse loan applications, prepare and sign documents, write insurance policies. Experience in this field is preferred. Choosing internet for advertisement jobs will bring successful outcome and also save time. Vacancies are usually advertised on this website and occasionally on Seek, Jobsearch or Mycareer. More people are connected these days on the internet and it is a very good source of information and also advertising on internet much quick than any other advertising places because it gives business great advantages, efficient so can find right staff for the right job. There are number of stages involve processing all applications: Education There are no pre-requisite subjects and no any tertiary requirements, however all applicants must have experience in similar field in order to gain employment in this field. Medical requirements Satisfy all medical standards; Applicants must be fit and in good physical shape and also with spectacles or contact lenses must have a visual acuity of at least 6/36 in the worst eye unaided and at least 6/18 in the better eye. Criminal background Any Applicants who have any prior criminal offence history, domestic violence history, bankruptcy and their application will be rejected so do not apply if one of those above applies to applicants, but driving offences will be not taken into consideration Selection Criteria Are used to help select the most capable, effective, suited, experienced, qualified, person for the job. Applicants must demonstrate and prove the ways in which they will be of value for the job and the organisation. These are included; •ability to maintain confidentiality •ability to work as part of a team •ability to work independently •ability to work under pressure •attention to detail •flexible and adaptable approach to work •initiative •keyboard skills •organisational/planning skills •problem-solving ability •supervisory skills •verbal communication/interpersonal skills The Short listing may be conducted by a sub group of the panel and generally will involve the Chair and the Human Resource Professional if included on the panel. It may also involve other members of the selection panel as determined by the Chair. For Example, if 100 people apply for a job and there is only one position to be filled. The employer may make a list of the top five or so people to re-interview. Interview process & telephone interview The same person will interview and make decisions about hiring. But if they’re group interview then main person can make decision during the interview. There may be a series of interviews, and the hiring decision can be made by someone who's never interviewed the candidate before. There can be a phone interview round before any in-person interviews, there can be just a phone interview, and there can be just in-person endless variations. Each company does what fits them best. Some organization have different interview process. Phone interviews give the company a chance to get a feel for new employee’s skill-set, interests, desired compensation etc., and see if there is a match between their needs and employee’s strengths. If there is enough common ground, then the phone interviews are almost always followed-up by an in-person interview. Phone interviews are generally conducted in two steps. The first step is with a recruiter in Human Resources. The second step is a technical interview, usually with one of the people would be working with. Technical phone interviews are conducted for people living outside the geographical region. This is done because the company wants to have some level of confidence in technical abilities before they decided to hire them. Reference check Do employment check how person performed in previous job as well as to verify they’re making sure not lying on job application. I personally think this can vary from company to company, but sometimes the interview process in larger companies are administered through their human resources department or the direct hiring manager. From there the company can decide what type of interview process they need to screen acceptable candidates. This can include a 2nd or 3rd interview or even a testing process, for example, a computer test. When a person is found that fits the position say by management or human resources then they will make an offer. Final Step After review of all applicant’s application, each candidate will receive letter or email regard if they had been offered position or not. Depending on qualifications, skills, experience they have to fit the role. I mean where does these references place in essay.

Should we feel sorry for this family because of "their" bad choices? The American Dream turns into a debtor's nightmare A sad, but common, tale starts with alleged predatory lending, intensifies with impossibly high payments and usually ends in foreclosure. By Jennifer Delson and and Christopher Goffard, Los Angeles Times Staff Writers October 8, 2007 Soledad Aviles dreamed for years of owning a home, with a plot of land where he could grow corn and chiles as he did in his native Mexico. So he felt blessed last year when he learned he could buy a three-bedroom, single-story stucco house on West La Verne Avenue in Santa Ana. Referred to a local loan broker by a trusted friend, he borrowed the entire purchase price of $615,000 from Washington Mutual at a high interest rate typical of sub-prime loans. The monthly payment, as he says he understood it, would be $3,600 -- steep for a glass cutter who made $9 an hour -- but Aviles counted on his wife and three of his six daughters, who also worked low-paying jobs, to contribute. "We took out our pencils, figured out our take-home pay and figured out that if we all pitched in, it would work," said Aviles, 54, a stoop-shouldered, soft-spoken man with a sixth-grade education from Mexico. Relying on the broker's word, he signed loan documents written in English, a language he neither speaks nor reads, Aviles said. He was shocked to learn afterward that the monthly payment would not be $3,600, but $4,800 -- a price that forced him to rent out bedrooms, the garage and an enclosed porch while he and his wife slept on the couch. He fed his family with food from friends and corn he grew. Aviles says he was not aware that the February 2006 loan application he signed dramatically exaggerated his family's income. The application lists him as the owner of a landscaping business with a $7,400 monthly income. His 27-year-old daughter Marlene, who earns $9 an hour in a noodle factory, appears as the owner of a housecleaning company who makes $5,700 a month. The application lists their yearly income as $157,000, when, according to Aviles, it was really closer to $60,000. Now, five months behind on his payments, Aviles is scrambling to sell the house before the bank forecloses. Desperately ill from kidney disease and unable to work for the last year, he sits dejectedly at the dining room table, wondering when the bank will kick him out. Aviles' situation is hardly unique. Add his name to the ever-expanding list of casualties in the nationwide sub-prime mortgage debacle, his experience echoing that of thousands who bought homes in recent years only to find themselves in a sagging market saddled with payments they cannot make. But amid the storm of foreclosures, his story illustrates the special vulnerabilities of first-generation immigrants in places like predominantly Latino Santa Ana, where city leaders have identified about 800 sub-prime borrowers facing the potential loss of their homes. "We think this is just the tip of the iceberg, in terms of the breadth and depth," said Steve Harding, Santa Ana's deputy city manager. Apart from the language barrier, he said, many first-generation immigrants might have been especially vulnerable to sub-prime lending because they avoided checking accounts and credit cards, which prevented them from qualifying for regular loans. The city has teamed with the Fair Housing Council of Orange County to offer free foreclosure prevention workshops, hoping to teach people to avoid predatory lenders and find help as they face the loss of their homes. The Fair Housing Council said the number of people seeking help over mortgage woes, many of them Latinos living in Anaheim and Santa Ana, has soared. The group typically receives 15 to 20 complaints annually, but in September of this year the group received more than 20. The state Department of Real Estate, nonprofits and the Mexican consulate also have reported a rise in mortgage complaints, many of them from homeowners saying they signed documents they didn't understand. Across the state, many cases are landing in court. Kerstin Arusha, a directing attorney at the nonprofit Law Foundation of Silicon Valley, said that Spanish speakers, along with the elderly, "seem to be hardest hit by both sub-prime lending and predatory lending. There are many borrowers out there that were misled about the terms of the loan." The Law Foundation is suing a broker, real estate agent and lender in federal court on behalf of nine Santa Clara County families, many of whom speak only Spanish, contending they were lured into mortgages they didn't understand. The lawsuit alleges that the broker inflated incomes on loan applications, misrepresented the terms of the loans and stuck clients with higher payments than they had been promised. The victims "thought they saw the promise of the American Dream, and instead they ended up with a nightmare," Arusha said. "I think they were seen as easy targets for predatory lenders who could sell them a bill of goods without giving them disclosures in a language they understand." The Law Foundation is handling 10 other cases involving predatory lending, half of them for Latino clients, Arusha said. But in Orange County, the district attorney's office has not reported an increase in prosecutions for fraudulent lending. Elizabeth Henderson, a prosecutor in the county's fraud unit, said many such crimes go unreported in immigrant communities because of a distrust of law enforcement and confusion over what had occurred. "They're not really sure what they were promised, so they don't know if they were cheated," she said. Sitting in his Santa Ana home, waiting for the bank to kick him out or for his kidney to kill him, Aviles did not hesitate to characterize what had happened to him: "They used me, nothing more." He was led astray, he said, by a man he had considered a dear friend, Carlos Lares. They used to work in a factory together. He said Lares showed him about a dozen homes, including the one he bought, and offered to arrange a mortgage. State records show Lares lacks the real estate license required to show homes. In an interview with The Times, Lares denied showing homes and said he merely took Aviles to the office where he works, Century 21 South Coast. He declined to comment further. His business card lists him as a "team service associate." Part of me does feel bad for him, but he was stupid to think he could even make payments o $3600 a month, when he and his wife only make $9.00 an hour. WE should not have to bail him out or bail out others like them. This article is the start of letting the taxpayer bail these people out of their situations. Screw the people who made educated choices. """Jesus, Mary and Joseph.....a $600K house? $9/hr income. You must be kidding me. What was this man thinking in ANY language??? """" LOL that is the going rate in this part of the country. What is sad....... the majority of Santa Ana is a dump...... it is an illegals haven...... It is little TJ

Are illegals taking the jobs American do not want? Do you believe illegals are taking the jobs Americn citizens do not want? How can it not be seen that illegals hurt the working men and women in this country? Are the facts being dismissed by the government? -------------------------------------------------------------------------------- Illegal Aliens Only Working Jobs Americans Don't Want? False Claim By Pro Amnesty Crowd May 18, 2009 RightSideNews.com By: Dallas Kelly With current unemployment in the US climbing and the flood tides of illegal aliens pouring across our southern border to join those already here, there would seem to be little hope of stopping the flow, much less reversing the devastating effects. The pro-amnesty groups continue to protest that the illegals are not taking any jobs from Americans, because they only "work at the jobs Americans won't take". This has been proven false. The facts are: There are 55,436,000 million Americans, ages 16-64, who are not in the labor force. - U.S. Department of Labor, Bureau of Labor Statistics (BLS). Labor Force Statistics from the Current Population Survey; July, 2007 Real wages in the US are falling at their fastest rate in 14 years. - Financial Times; May 10, 2005 14 million Americans are unable to find full-time jobs in the current economy. - BLS The unemployment rate among the 12 million American adults who do not have a high school diploma is almost 9 percent. - BLS 9% of 12 million = 1,080,000. Well over 90% of the illegal aliens who come to this country do not have a high school education. That means that there are 1,080,000 unemployed Americans who are exactly the ones against whom the illegal alien competes for those same jobs. Forty percent of working-age African-American men are unemployed. - BLS 78.4 percent of the 24 million workers in service jobs are native-born Americans. -BLS 78.4% of 24 million = 18,816,000. Subtract that number from 24 million workers in service jobs and you get 5,184,000. Over 5 million service jobs held by non Americans. I have to believe that there must be some unemployed Americans who would be willing and able to work some of those jobs. While there is no direct evidence that all the over 5 million service jobs are held by illegal aliens, any that are contribute directly to the dire situation of the unemployed American. 71.8 percent of the 9.6 million workers in construction jobs are native-born Americans. -BLS 71.8% of 9.6 million = 6,892,800. Subtract that number from the 9.6 million workers in construction jobs and you have 2,707,200. 2.7 million construction jobs held by non Americans. Again, this was once the training ground for our young Americans, learning the craftsmanship of building, journeymen on their way to master craftsmen to construct, not only buildings for America, but a lifetime profession upon which to build their lives and the lives of their families. I am certain there are unemployed Americans in the construction industry who are displaced because of the illegal aliens who have usurped their jobs. 77.5 percent of the 9.4 million workers in manufacturing jobs are native-born Americans. -BLS 77.5% of 9.4 million = 7,285,000. Subtract that number from the 9.4 million workers in manufacturing jobs and you have 2,115,000. 2.1 million manufacturing jobs held by non Americans. Manufacturing jobs that for decades were done by the "working man", the American "working class", the American "middle class". Now, this invasion of the illegal alien, appears to be an undeclared war on America's less educated, youth, African-American and middle class. Just the above catagories account for about 11,086,200 jobs taken from the 14 million Americans who are currently earnestly seeking employment. They look every day, they have families depending on them, and there are over 11 million jobs that should be open to them. This country is not responsible for the woes and hardships of any other country. America is not to blame for other corrupt governments - we have our own government corruption to deal with. America is not responsible for the lack of opportunity in other countries - we have our own challenges of opportunity. America is certainly not responsible for the poverty in any other country - in point of fact America is the most generous nation in the world when it comes to charity, aid, support, donations and outright gifts to the poverty stricken countries of the world, even loans to those countries that America knew would likely never be repaid, so the debt was forgiven. America may be a lot of things but selfish and stingy are certainly not two of them. America should not be called to task for wanting, needing to take care of our own! Americans are not racist, or bigots or intolerant for demanding that the American government take care of Americans first! We have never turned our backs on the truly needy of other countries, but the time has come to make sure that we protect and

what can I do to improve this resume? I am having a hard time landing interviews, what can I do to improve name withheld address with held xxx@gmail.com Relevant Skills Typing 40 wpm, data entry at 7000 kph, knowledgeable in Microsoft Word, Excel, Power Point and Office Outlook. SAMII Financial and Human Resource applications, accounts payable experience. Operation of switchboard and front desk reception using multi-line phone system and other general office equipment. Customer Service experience. Work Experience Department of Social Services/ FSD 10/2008 - 4/30/09 St. Louis Missouri US Salary: $1832.00 USD Per Month Hours per week: 40 Office Support Assistant Main Duties are mail sorting and delivery to appropriate Case Workers , Supervisors, and Postal Mail. Medical Bill payment using SAM II financial program. Keeping track of EBT cards and pin numbers for those who receive them from our office as oppose to home delivery. Check Control including setting up of direct deposit for clients and employees, update telephone voice mail system and instructed new employees on how to use system, periodically updated Excel spreadsheets for employee contact and invoice payments, Back up Switchboard operator as well. (Contact Supervisor: Yes, Supervisor's Name: withheld Department of Social Services/ DYS 1/2008 - 10/2008 St Louis Missouri US Salary: $1779.00 USD Per Month Hours per week: 40 Office Support Assistant Duties include timekeeping for employees using SAM II application, maintaining budgets for client's educational and residential needs also using SAM II and Excel. Maintaining employee's personnel files as well as files/educational records for clients. Typing, using Microsoft Word, Excel, Power Point. Preparation of Minutes following staff meetings, Maintaining vehicle expense accounts and preparing Monthly Critical Incident Reports, Postal Mail delivery to Downtown office, prepared report cards for youth using Mobius and monthly updated of attendance and grades. ( Contact Supervisor: Yes, Supervisor’s Name: withheld Department of Corrections/P & P 2/2001-5/2007 Salary: $1744. USD Per Month Hours per week: 40 Office Support Assistant(keyboarding) Record and file management for clients within the criminal justice system. Mail distribution of court mail, inter-office as well as postal, typing case summary, violation and investigation reports as well as monthly expense reports for Probation & Parole Officers. Back up receptionist duties include answering and directing hundreds of calls daily. Greeting/assisting clients visitors. Also perform background record checks using REGIS court management and arrest systems. Perform data entry and typing using an AS400 system and personal computer utilizing Microsoft word, lotus, excel and operation of general office equipment regularly. (Contact Supervisor: Yes, Supervisor's Name: withheld Zip Mail Services Inc. 11/2000 - 2/2001 Salary: $7.00 USD Per Hour Hours per week: 48 Data Entry Clerk Responsibilities include quality control of postal mail by checking for bar code and address errors. Sorted mail by zip code and at times I would operate mail sorting machine when there was a shortage of staff. Daily data entry. (Contact Supervisor: Yes, Supervisor's Name: withheld Sunnen Corporation 3/2000 - 10/2000 Salary: 8.00 USD Per Hour Hours per week: 40 Housekeeping/custodial Cleaning of main area such as the restrooms, cafeteria, kitchen area, employee work areas and utilized the buffer as well as other cleaning utensils daily (Contact Supervisor: Yes, Supervisor's Name: Mr. with held Thumbs Up Telemarketing 1/1996 - 6/1998 Salary: 6.00 USD Per Hour Hours per week: 48 Telephone sales representative Daily telephone sales(hard calls and soft calls) for different companies such as Channel 9 fund raising, Barnes-Jewish Hospital fund raising, Bank of Milwaukee home loan processing and a variety of others. Light typing was required for this position. Was one of the top sellers in the company. Hourly wages plus commission (Contact Supervisor: Yes, Supervisor's Name:withheld Education St. Louis Community College at Forest Park St. Louis, Missouri US Some College Coursework Completed - 12/2006 36.000 Semester Hours Major: Micro-Computer Specialist GPA: 2.50 out of 4.000 St. Louis Community College at Forest Park St. Louis, Missouri US Some College Coursework Completed - 11/2000 30 Semester Hours Major: Applied Sciences GPA: 3.00 out of 4.00 References * withheld *withheld * withheld please do not advertise work at home opportunities as they will be deleted thank you Vicseo, I am sure you can see I was with the state government for 7+ years. You didnt read resume in full obviously