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Did you miss the part where I took out loans?

Posted By: sbMT on 2008-10-20
In Reply to: My daughter had to take out loans - CollegeMom

I only used the Pell grant ONCE. That's the difference. I didn't use it every year because I could.

I am not against welfare. I am against those who cheat and USE the system and don't attempt to better themselves.

I've had a job since I was 16. I bought my own car, I paid my own insurance, I paid my way through everything. I kept my grades up and for one year I used the Pell grant to take classes SO I COULD WORK MORE and pay for the rest of my schooling. By all means, shoot me for that.




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did you miss the part where
this lady had a B for Obama carved in her head by a black man (not that his race really matters, so lets not start calling me a racist). I doubt that it was Republical propaganda about Obama being a Muslim that caused such a thing and I find it offensive that everyone keeps talking about Palin's looks. Honestly, it's not as if she is really all that good looking, just better looking than Hillary. Might not be racism, but it is a bit of sexism. If this had been a black woman attacked by a McCain supporter, I still would not understand you stance, but at least it wouldn't be from out of nowhere.
Did you miss this part? s/m

" She was fired early this year over personal expenses she had put on the group's credit card."


Nice try but no sale.


Did you miss the part about pubs
nm
did you miss the part in an interview sm
where he stumbled over himself and talked about his Muslim religion? Kind of takling out both sides of his mouth isn't he?

Only thing Obama does it tell lies to suit whatever situation he is in. He definitely is no Christian.
Excuse me, did you miss the part where Obama
said out of his own lips that he would close Gitmo?
This should come as no surprise.... Obama has wanted to shut this down from the start and will do so completely! This is just a starting point. If you don't like the words, then stop listening to Obama 'cause he has yammered on and on about how ALL us American citizens want this package. REALLY? Strange,seeming how the white house switchboard is overwhelmed with calls saying NO to this package!!!


I didn't miss any part and didn't say...
anything either way. I just posted a link.
How did they get the loans???
That's what I'd like to know.........
My daughter had to take out loans
and work to save money for school. No Pell Grant for her because we make too much money. I guess my money went toward your schooling. Why didn't you just take out loans instead of being handed money from government?
I, too, owe a lot in student loans.
My scholarships helped, but college was still expensive. Of course, my "a lot" is nowhere near $100K.
and why is is okay to buy back some loans and not others?
McCain is saying that the government should buy up all the "bad" mortgages and refinance those loans at lower interest rates and also at the amount the house is now worth - not what it was. So, if it is good for those people, why make it retroactive?
Student loans
Even Barak Obama spent the last 20 years repaying his own school loans. It is ridiculous to think policy maade by a new president are retroactive.
Student loans
How long was she in school? My sister earned a PhD from IU as an out-of-state student and this cost her $100,000.00 for the two years. This included living expenses, books, tuituion, food, clothing, and shelter. What is your daughter's degree? The average tuition at a state university including room and board, books and lab fees is 20,000.0 per year. If your daughter borrowed the entire amount did she get below prime interest on her loan. WHat type of loan is she repapying? THere are more questions but I do not think they are necessary. You are just not an Obama fan.
Why were LOSERS given the loans?
Can you come up with a coherent, intelligent reason WHY any bank would give such irresponsible morons loans?.......TALK ABOUT MORONS!! Screw the banks!!
what happens to existing student loans?
My daughter, who graduated law school, has over 100K in student loans for her education. She is working hard to pay that back. What happens to those? She is killing herself to pay back while the next guy goes for free? I don't think so. Do we also forgive those loans? If not, I would expect greater default than we now see. And I would certainly expect to see a lot of professionals, the people with those big loans, protesting this deal big time.
If they weren't qualified - how did they get the loans?
Get real. When I bought my house it took MONTHS to prove my income, the down payment had to sit in my banking account for months, the bank found an old unpaid hospital bill (I was unaware of) that was 10 years old that I had to prove I had insurance at the time and either the hospital screwed up or the insurance company never paid - I almost did not get the loan because of this! So, how do all of these unqualified people, irresponsible people, get home loans when they are so woefully unqualified? Because the lenders didn't give a rats whether or not the person could pay it back. They were boxing these loans together and selling them as securities. Did YOU ever buy a house? Did YOU have to jump through hoops? I sure did and I still have the house. So smoke that!
More Bush abuses: Phony 9/11 Loans

Nevada tanning salon gets 9/11 loan: audit


By Jim WolfThu Dec 29, 3:10 PM ET


A Texas golf course, a Nevada tanning salon and an Illinois candy shop were among small businesses that may have improperly received U.S. subsidized loans intended for firms hurt by the September 11 attacks, an internal government watchdog has found.


The Small Business Administration's inspector general said in a report made public on Wednesday that in 85 percent of the sample of loans it reviewed, a company's eligibility to receive the money through the program could not be verified.


A leading Senate Republican called for further investigation, but the Small Business Administration said the program was properly implemented.


The one-year, $4.5 billion Supplemental Terrorist Activity Relief, or STAR, program offered loan guarantees to small businesses adversely affected by the September 11 attacks.


However, the Small Business Administration had failed to properly oversee lenders to make sure that only eligible borrowers obtained STAR loans, the watchdog's report found.


Money may have gone to businesses that were not adversely impacted by the terrorist attacks of September 11th or their aftermath, wrote Robert Seabrooks, assistant inspector general for auditing.


Congress authorized the program in January 2002, and set aside $75 million to cover potential defaults. The program was operated through the Small Business Administration's main loan-guarantee program and the loans were made by participating banks. In all, 8,201 loans were approved totaling $3.7 billion, but only 7,058 were actually paid out.


Of 42 STAR-loan recipients interviewed by the inspector general's office, just two said they were aware they had obtained a such a loan. In cases where eligibility could not be established, 25 of 34 borrowers interviewed stated they were not adversely affected by the attacks, the report said.


GOLF COURSE


The report's examples included the Texas golf course, whose owner was cited by a lender as saying people were more interested in staying home and watching the attack on television than playing golf. However, the course was owned by someone else when the attacks took place and the justification for the $480,000 in loan guarantees did not apply to the new owner, the report said.


The tanning salon's lender blamed the September 11 attacks for hurting the Las Vegas casino industry which employed many of the salon's customers.


However, the inspector general found the salon's business had grown by 52 percent in 2001 and 32 percent in 2002 and said there was no evidence the owner could not borrow outside of the program. The SBA guaranteed $437,000 in loans to the salon, which were used to expand.


The Illinois candy shop received $21,250 in guarantees but could not back up its claim that the attacks had delayed the shop's opening, the report said.


Senate Small Business Committee Chairwoman Olympia Snowe, a Maine Republican, said her panel would look into the program.


If abuses are discovered, many questions must be answered by the parties involved, beginning with how and why was this allowed to happen, she said in a statement.


SBA said it has told lenders it will not honor guarantees on defaulted loans that fail to document the September 11 link.


SBA implemented the STAR program as Congress intended, Administrator Hector Barreto said in a statement.


The inspector general said it appeared qualified borrowers were not shut out of STAR loans.


(Additional reporting by Diane Bartz)


Was bound to happen. People want loans they can
nm
Medicaid, food stamps, student loans take a hit...sm

House OKs budget bill cutting $50 billion in aid
Medicaid, food stamps, student loans take a hit



Zachary Coile, Chronicle Washington Bureau


Saturday, November 19, 2005


 













Washington -- House Republicans, after weeks of negotiations, narrowly passed a budget bill early Friday to cut $50 billion from Medicaid, food stamps, student loans and other programs over the complaints of Democrats that Congress is squeezing students, the elderly and the poor to pay for tax cuts for the rich.

The House approved the bill 217-215, after GOP leaders agreed to demands from moderate Republicans to jettison a measure to drill in the Arctic National Wildlife Refuge in Alaska and to slightly reduce proposed cuts to food stamps.

Still, the vote was so politically sensitive that House leaders didn't begin debate until 10 p.m. Thursday and didn't pass the measure until nearly 2 a.m. -- when most news reporters gone and only a few C-SPAN junkies could witness the fiery floor action. No Democrats voted for the bill, and 14 Republicans opposed it.

House Democratic leader Nancy Pelosi of San Francisco said in a floor speech that cutting money for Medicaid, child support enforcement and foster care as the House prepares to vote on $70 billion in tax cuts was a sin.

Republicans are launching an attack on America's children, on America's families, Pelosi said. They are also launching an attack on America's middle class, all of this to give tax cuts to the wealthiest people in our country.

But House Speaker Dennis Hastert, R-Ill., responded that the proposed cuts were needed to rein in the growth of federal spending on health care and other programs.

Medicaid is growing at a 7.3 percent growth rate per year, Hastert said. It has been growing for years. Is there a better way to do it? Is there a more efficient way to do it? Should we find some reforms to make it better? Yes, we should.

The House bill also would split the Ninth Circuit Court of Appeals in San Francisco, a goal of conservatives who have long complained the court is too liberal. But the breakup of the appellate court, which covers the country's Western region including federal cases that arise in California, is not part of the Senate budget bill. Sen. Dianne Feinstein, D-Calif., and senior members of the Senate Judiciary Committee are seeking to strip it from the final package.

The battle over the budget reconciliation bill now moves to a joint House-Senate conference committee, where lawmakers will have to make several critical decisions, including:

-- Will the final budget bill allow oil drilling in the Arctic National Wildlife Refuge?

The Senate version would allow drilling, but a group of House Republican moderates has pledged to oppose any final bill that would open the Alaskan wildlife refuge for development.

-- How deeply will lawmakers cut student loans?

The House bill would cut student loan programs by $14.3 billion, while the Senate version cuts them by $8.8 billion. The Congressional Budget Office has estimated the House bill would cause a typical college student with the average of $17,000 in student loans to pay an additional $5,800 in interest and fees over the length of the loans.

-- Will some legal immigrants lose their food stamps?

The House bill would cut off 220,000 people from food stamps by allowing legal immigrants to qualify for the food aid after seven years, instead of the current five years. The Senate bill does not cut food stamps, and moderate lawmakers are urging that it be dropped from the final budget package.

-- How will the cuts affect Medicaid recipients?

The House bill calls for $11.4 billion in cuts to Medicaid, while the Senate bill trims spending by only $4.3 billion. The House bill also would allow co-payments to rise over time with inflation and would deny Medicaid nursing home benefits to people with $750,000 in home equity.

-- Will child support enforcement be cut?

The House bill would slash funding for child support enforcement by $4.9 billion. The Senate did not include any cuts to child support enforcement.

-- Will Medicare be cut?

The Senate voted to eliminate $5.4 billion in subsidies for some regional insurance companies that agreed to participate in President Bush's Medicare prescription drug program. The House bill does not cut the subsidies.

Congress watchers expect that lawmakers are likely to split the difference between the House's $50 billion in cuts over five years and the Senate's $35 billion in trims. But the negotiations will be difficult for GOP leaders. Conservatives, especially in the House, have been pushing for deeper cuts. Republican moderates plan to lobby to restore funding for some programs.

House Republicans argue the heated rhetoric over the budget bill's effects is overblown because many cuts are simply limiting the growth rate of certain federal programs. For example, the proposed cuts to Medicaid would lower the annual growth rate in spending on the program from 7.3 percent to 7 percent.

But Democrats complained the cuts hit the wrong targets, including students struggling to pay for college. The Congressional Budget Office estimates the bill would increase costs to students and families by $8 billion, including nearly $5.5 billion in costs when students consolidate loans.

You're hurting the students of this nation, Rep. George Miller, D-Martinez, told Republicans in an angry floor speech. You're putting their families in debt. You're piling on the interest rates. You ought to be ashamed of it.

E-mail Zachary Coile at zcoile@sfchronicle.com.


She said ACORN bullied banks into giving the loans....
she just said Obama was associated with them. ACORN did bully banks, and Obama WAS associated with them, through Project Vote. He trained the ACORN folks how to get out and get people registered, hired them to work on his senate campaign, and ACORN endorsed him. And they are under investigation for voter fraud in ALL the swing states. Admitted in Ohio today: yes, there will be fraud, its not our fault, we can't check every registration. Sounds like "He was just a guy in the neighborhood" excuse. Looks like he taught them well.

This guy is so dirty.
Dont talk to me about Debt. Dems wanted loans for
nm
GMAC Resumes Sub-Prime Loans In Order To Sell Cars

So, let's see.  I know that I have been known to lapse into a coma from time to time, but haven't we been here before - making subprime loans in order to stimulate sales and to hell with what happens next? 


Someone correct me if I'm wrong, please, but I'm having such a strange sense of deja vu here. 


only part saved was the ignorant part
You can read the whole article.  This quote was saved to show what she said that was so stupid.
She said SOME or did you miss that? nm

Man!! I miss everything! nm

What did I miss? nm
12
Ya, then none of us would have to miss
That would just suck.
Did you miss something?
Yea, some moron found a you tube clip and her religion was an issue over and over ad nauseum in the media, of which I'm sure you paid attention to.

I have based my opinion on his background, not his color. He has a very very very questionable background, being brought up in Islamic faith. That's NOT a little thing. If you don't like the religious aspect of it, too bad. When Muslim belief says all who are not Muslim are to be killed, you better believe I pay attention. When I see one after another terrorist (even home grown) being his buddies, I'll pay attention and question why.

Dense and ignorant will ignore anything Muslim, because most liberals don't care about God anyway, but his real beliefs and upbringing that has been proven over and over again are a big concern for me.

You might open your eyes when or if he is in office and all those cabinet positions have to be filled and all you see are names you can't even pronounce, because they all have questionable citizenship to this country, questionable middle eastern relationships with those involved in terorrist organizations, etc.

Then you can wonder where this country is really going and maybe you'll have bigger fish to fry then.
No, I did not miss that -
I addressed that part when I said that people who would not pay taxes already do not pay taxes!

There are many, many people who never pay a penny into taxes and get $5000 to $6000 refunds every year for EIC. That is nothing new.
MAN what did I miss???
:(
What'd I miss?
So I've been gone for a few days (almost a week I guess!)

Any good bits I need to check out? Hope you all had a great Thanksgiving! I think my eyes are orange from all the pumpkin pie I ate!!
So do I (miss sam)

I don't post very often anymore because of the same reasons. You're bashed constantly for your views. This is no longer a politics board as you said.


I'm at least willing to see what O does BUT, I caught a bit of his Phila. speech and he stated we need to change the Declaration of Independence. Huh? I hope I didn't hear that correctly.


I'm also sick of seeing all the garbage that's being pushed with his face on it, like he's some kind of God and how the whole world is going to tune into his inaugaration and celebrate. Saw where one woman in Kenya had a skirt on with his picture on it. It fit right over her butt. I got a kick out of that.


Yes, I miss her also...................nm
nm
Try not to miss me too much...(sm)
Gone on vacation.  Hope you all (even the ones that hate me...lol) have a good week    . 
didn't miss anything....
but I want to know why we haven't heard more of cronie Rove?  I knew that would be shoved under the rug as they are wanting that scandal will go away.  That's why the "early" nomination of Roberts.  So see-through they stink!
I will miss Tim Russert. sm
,
Yup, you still miss the point...oh well....nm

Did I miss something important? AS is a pub gov
He ran under the pub ticket and was elected by Californian pubs and other star-struck Californians. Do you disagree with the idea that repulicans come in different flavors or should I be translating you message from Christian right-wing fringe-speak to mean roughly "my way or the highway" on what it means to be a REAL republican?
Did I miss anything good?

Okay, I have been gone for 2-1/2 days.  My son graduated from boot camp this morning and I was at Fort Jackson - LOVE OUR SOLDIERS!!!! 


Don't really have time to go through all those days - but if there is something good I missed, point me there please?


Me too. I am not a democrat, but I think I miss
nm
Are you kidding me...and miss all the fun?
I could do this until the polls open if need by, but I think you can get the general drift:
1. “I’m the mayor, I can do whatever I want until the courts tell me I can’t.’” –Sarah Palin, as quoted by former City Council Member Nick Carney, after he raised objections about the $50,000 she spent renovating the mayor’s office without approval of the city council.
2. SP: RNC Convention: “I told the Congress, ‘Thanks, but no thanks,’ on that Bridge to Nowhere.” who was for the Bridge to Nowhere before she was against it.
3. SP: RNC: “We grow good people in our small towns, with honesty and sincerity and dignity.” quoting the fascist right-wing columnist Westbrook Pegler, an avowed racist and anti-Semite who once expressed his hope that Robert F. Kennedy would be assassinated
4. SP: “Absolutely. Yup, yup.” after being asked by People magazine if she was ready to be a heartbeat away from the presidency
5. SP: July 2008: “As for that VP talk all the time, I’ll tell you, I still can’t answer that question until somebody answers for me what is it exactly that the VP does every day?” interview with CNBC’s “Kudlow & Co”
6. SP: "A Vice President has a really great job because not only are they there to support the President's agenda, they're like the team member--the team mate--to that president. But also, they're in charge of the United States Senate, so if they want to, they can really get in there with the senators and make a lot of good policy changes that will make life better..." Palin told Denver's KUSA-TV on Monday,
7. August 2008: SP: “A changing environment will affect Alaska more than any other state, because of our location. I’m not one though who would attribute it to being man-made.” dismissing global warming as influenced by human activity, Newsmax interview.
8. 09/09/2008: SP claimed that lending giants Fannie Mae and Freddie Mac had "gotten too big and too expensive to the taxpayers." Operated as private companies, not taxpayer funded. Fundamental ignorance of a key issue that will face the next administration.
9. 09/11/2008: SP: “They’re our next door neighbors and you can actually see Russia from land here in Alaska, from an island in Alaska.” –Sarah Palin, on her foreign policy insights into Russia, ABC News interview,
10. 09/11/2008: SP: “Perhaps so.” when asked if we may need to go to war with Russia because of the Georgia crisis, ABC News interview.
11. 09/11/2008: “I have not, and I think if you go back in history and if you ask that question of many vice presidents, they may have the same answer that I just gave you.” after being asked if she had never met a foreign head of state, despite the fact that every vice president in the last 32 years had met a foreign head of state prior to taking office, ABC News interview
12. 09/11/2008: “In what respect, Charlie?” after being asked if she agreed with the Bush Doctrine, ABC News interview
13. 09/11/2008: SP: “Let me speak specifically about a credential that I do bring to this table, Charlie, and that’s with the energy independence that I’ve been working on for these years as the governor of this state that produces nearly 20 percent of the U.S. domestic supply of energy.” –Sarah Palin, misstating the actual amount of energy produced by Alaska, which is only 3.5 percent,
14. 09/11/2008: “You’ll be there to defend the innocents from the enemies who planned and carried out and rejoiced in the deaths of thousands of Americans.” linking the Iraq war the 9/11 attacks while addressing U.S. soldiers shipping off to Iraq, Fairbanks, Alaska. Gee. And all this time we thought it was those WMDs.
15. 09/17/2008: SP: “Oil and coal? Of course, it’s a fungible commodity and they don’t flag, you know, the molecules, where it’s going and where it’s not. But in the sense of the Congress today, they know that there are very, very hungry domestic markets that need that oil first. So, I believe that what Congress is going to do, also, is not to allow the export bans to such a degree that it’s Americans that get stuck to holding the bag without the energy source that is produced here, pumped here. It’s got to flow into our domestic markets first.” SP...billed by John McCain as the nation’s foremost expert on energy, clumsily answering a question while speaking off the cuff at a town hall meeting, Grand Rapids, Michigan.
16. 09/24/2008: “I’ll try to find you some and I’ll bring them to you.” When asked by Katie Couric to cite specific examples of how John McCain has pushed for more regulation in his 26 years.
17. 09/24/2008: "our next door neighbors are foreign countries. They’re in the state that I am the executive of. And there in Russia … We have trade missions back and forth. We– we do– it’s very important when you consider even national security issues with Russia as Putin rears his head and comes into the air space of the United States of America, where– where do they go? It’s Alaska. It’s just right over the border. It is– from Alaska that we send those out to make sure that an eye is being kept on this very powerful nation, Russia, because they are right there. They are right next to– to our state.”when asked by Katie Couric how Alaska’s proximity to Russia gives her foreign policy experience.

Did you miss his credentials? sm
Schmitt, who grew up in Silver City and now lives in Albuquerque, has a science degree from the California Institute of Technology. He also studied geology at the University of Oslo in Norway and took a doctorate in geology from Harvard University in 1964.

I think a doctorate in geology does suffice.
Did you miss the point?
Without government interference, there would never have been subprime loans in the first place! The banks couldn't afford them!!! Now, that is correctness!
You really did miss my whole point entirely.
I didn't defend alcohol being legal. I said, in effect, "Do two wrongs make a right?"

I'm sorry you wasted all those keystrokes.
I did not miss your point at all
You either love all men as God teaches or you don't. I don't think God says to love them all - except for this group or that group. Nope, God says to love ALL men. There are no exceptions to that.
Swing and a miss...again...(sm)
It has always been a right for people to marry who they wish to marry.  Being gay does not make them any less of a person.
Bye Bye Miss American Pie..sigh..

Hi, Anon!!  :o)


I warned my republican friends..YIPES??  I have republican friends?  Yes, and three of them now have told me the war was wrong and Bush is frightening.


Anyway, I warned my republican friends and everyone else that if Bush got in office the first time, the country would change drastically and he would destroy America and the world (okay maybe that was a little over the top..but not really)..I see us women going back to being bare foot and pregnant in the kitchen and the men coming home in loin cloths and billy clubs (umm..well, maybe that might be nice.smile)..


 


Honestly, you didn't miss much.
It was not one of his better shows, but he still cracks me up!
Did someone miss their morning meds?...nm


So, Miss Thang is a mindreader too.
nm
Aplogies to Jon for miss spelling his name
 . . . also love Stephen Colbert and Whoopi and Joy on the View (not so carzy about Elizabeth), and also now truly in love with Keith Olberman (sp?) on Countdown.
Me too... boo hoo. How I shall miss the hateful left.
nm