Wednesday, December 4, 2013

Student Loan Debt.... Our Lolly-Pop News Agencies are Part of the Problem too!

I want you to know I have no hidden agenda or desire to profit off of our Children's future. I am a 58 year old man that is tried of our President, our Congress, and our News Agencies that we the American people are suppose to trust to report the facts with integrity. This lack of reporting the real facts is allowing the select few to destroy and bankrupt our Great Country of $Trillions of Dollars!

Definition:
Lolly-Pop News- Pick your flavor news are you conservative then it's Fox that will tell you only the truth?.... Really?................ Your a liberal or kind of in the middle?.......... then by all means MSNBC,ABC,NBC,CBS and then we have...... PBS............  I will say have tried to undercover several stories,but just never seem to get the legs to gain momentum?
There are fewer and fewer complete story that states the facts from beginning to end, and the few that are have been done are called half baked facts, and never make it to the front page. Most stories are filled with half-truths at best. The news today is more for entertainment than finding the truth.
Because of the way the news agencies report the news they have divided the American public, and have pitted one group against the other....still don't believe me just look at Congress a 14% approval rating? Why do we continue electing the same failures....your Lolly-Pop News is the biggest reason. A select few and special interest are the only one's that are winning, and taking all the marbles...leaving nothing behind for the rest of America and our children the very future of our Great Country.

We had nothing of significance from any of the news agencies for the most part, but how Congress was going to save the student loan debt crisis by extending 3.4% student loan rate that really turned into 6.8%, and could increase in some cases to over 10%. The interest rate helps, but it is not a solution at best a quick fix until the special interest groups figure out how to pay off Congress for their next windfall of huge profits off the backs of our children again and again..........

The real problem is that if anyone in these news agencies questions anything of real importance that will get in the way of our great Country's government..... our Congress that is suppose to govern our citizens best interest? .I hope you realize now has been corrupted to the very core; they will have no access to get what little bit of truth they can report.

I want to also remember it took $7 Billion to elect the President and Congress the last elections.
The politician that spent the most won 95% of the time. To me it sounds like election were bought.................. what is your opinion?

These facts I have tried to verify several times from several sources

1) 20 Million Americans attend college each year
2) 12 Million or 60% borrow annually  to help pay for their education
3) In 2012 there were 37 Million Americans with student loan debt
4) Since 1978 the cost of college tuition in the United States gone up by over 900 percent!
5) Close to two-thirds of college student graduate with student loans
6) In 1978 Federal student loan bankruptcy was taken away
7) In 2005 Private student loan bankruptcy was taken away
8) A gambler can declare bankruptcy.....??????
9) The student loan debt is now $1.2 Trillion.....the scary part is that is growing faster today than ever
     before. (just 3 years ago when I started my research the student loan debt was $850 Billion 
     Please......... I ask you to do the math I know you will then see the bigger picture of this crisis!)
10) The average student loan debt 2012- $29,400 ......up more than 10% from the previous year
11) We  give $Billions of tax credits to corporations that turn around and send their huge profits
      off shore, and then the jobs our Great Country needs so desperately are being sent overseas?
      Why? How is this possible?.....Ask our President and Congress!!!!!!!

I believe if we took those $billions in tax credits and used them to pair college graduates with small
business we would have a stimulus program that would reward success instead of failure...
It would jump start our economy,,,,,,,,,,,,,,,,,,, a Real Stimulus Program that actually works!
Does anyone remember the bail out? Remember how it rewarded failure and gave huge bonus to these failing companies executives?

                                    "Trickle from the Middle Up and Down Theory"



There are 100's of facts to show you that our children's future are being taken away a little more every day.

Should our children not be given the opportunity to live the .........American Dream?

I will tell you that I believe that Alan Collinge  who's web-site http://studentloanjustice.org
has the right idea if we really want to find the truth. I had ask him several times to change to a 501 non-profit and he could easily raise the money to get his message out. This man of true integrity
refused to change to the non-profit tax exempt status.......because in the end hidden agenda's from those that donate the most seem to take over the true mission. I ask you to please try to convince yourself this is not true of who you are listening to today! There will be an hidden agenda anytime money becomes more important than the true mission.


I ask you to read my blog from my first post. I will tell you I have given my heart and soul to finding  simple common sense solutions to help solve the $1.2 Trillion student loan debt crisis. If these simple common sense solutions were put into action there would never be another student loan debt crisis.

"A baby comes into this world with only hope;the only gold we leave this earth with is our word"

                                                                                                              Anthony Eller




Sunday, November 24, 2013

Thank you for Your Concern,It's Now Time for Results!

I started Project Tuition Reimbursement, because of the lack of concern our Congress, The President and a select few have for our children, and their future. The very future of our Great Country.

I want to thank each and everyone that has taken the time to read  the words of what some have called a crazy old man that has struggled most of his life living with moderate to lighter severe dyslexia. You can call me crazy if this will bring awareness of the injustice of  student loan consumer protection being removed. I do know the difference between right and wrong!.....and this is just plain wrong. I will be vindicated when our politicians and the select few have been shown to the world that they have taken away our children future for their own personal gain while destroying our Great Country in the process. I will continue to bring awareness to the now $1.2 Trillion Student Loan Debt Crisis. I hope you are as scared as I am knowing this student loan debt is growing faster than ever before, and if changes are not made now the student loan debt is going to bust!

There was a group of Congressmen that took away Federal Student Loan Bankruptcy in 1978
I have given you list of Congressmen that took away Private Student Loan Bankruptcy in 2005.
I want to share this list again


This is the bigger issue that should be being discuss.

Remember The Congress had to protect the American tax payers in 2005?

Sponsor: Senator Chuck Grassley
Co-Sponsors:
Senators
Thomas Carper
Mike Crapo
Jim DeMint
Michael Enzi
Chuck Hagel
Orrin Hatch
Benjamin Nelson
Jeff Sessions
Richard Shelby
John Sununu
John Thune
David Vitter

  with a vote.............. of/  yeas........ 302......... nays....... 126    nv...........7 passed

 The Bankruptcy Abuse Prevention and Consumer Protection Act 2005
  clerk.house.gov/evs/2005/roll108.xml
I have stated over and over again that integrity it seems  is no longer important in the election of our politicians?
When it takes over $7Billion to elect the President and Congress the last election their loyalty is now sold to the highest bidder!
It's time to call each and everyone on the list above, and your own Congressmen, and tell them it's time to reinstate both Federal and Private student loan bankruptcy.

I ask you to read Alan Collinge     http://studentloanjustice.org   Alan after living the experience of student loan debt and how the debt can destroy a students future.He now has given his life to this fight to reinstate  both Federal and Private student loan bankruptcy
This is the first step in correcting this debt! Then there are 100's of common sense solutions
to make education affordable to every child and again give our children the
opportunity to live the ..................................American Dream!

I will state once again until the huge profits are taken out of education there will be no real solutions!
We the American people can change this with our votes! I challenge each of you this coming election.
"A baby is born into this world with only hope, the only gold we leave this earth with is our word"
                                                                                                    Anthony Eller
P.S. Thank you for 10,000 views!
  

Thursday, November 7, 2013

Mr.President............. It's not to Late!

Mr. President............... First there never should have been a $1.2 Trillion student loan debt crisis!
The scary fact is that it's growing faster today than ever before!  ..................Why?


Mr. President you promised our Great Country Change? Maybe it was our fault for assuming you meant change for all of us in our Great Country, not just the select few.

We all make mistakes................ I promise you I have made my fair share.

 Mr. President you told us your were a man of integrity?

Integrity is a word that has lost it's true definition

I am what some would say Just a crazy old man who has struggled being dyslexic my whole life.
I turned my life around stopped blaming others, and started taking responsibility for my own actions.

I knew I had to define myself and what I believe............  if true change was going to happen

So with this said I have my definition of integrity I read every morning along with my prayers
and I journal every morning on the day before ("Reflection" what did I accomplish the day before and sometimes it's still nothing and that's ok)...........  I"m focused and ready to start every day!

I would like to share with you my definition of integrity

        For every action there's a reaction; this is what shows a person character.
        And for every reaction there's a time for reflection. It's at this point
        "We find the courage to stand up and admit when we're wrong"
                            
                                             This is Integrity
                                                                                   Anthony Eller

Mr. President it's OK to admit you were wrong! It's not too late to fix  the $1.2 Trillion student loan debt, and give our children their future back. Today is the day to give our children the chance that you Mr. President with the help of Congress have  taken away!

Our children deserve the opportunity to live........................................ the American Dream.


 "A baby comes into this world with only hope. The only gold we leave this earth with is our word."

                                                                                                      Anthony Eller






Sunday, November 3, 2013

The Student Loan System is Rigged!

I want start this off by saying you can get a great college education, but you have to watch for all the pit-falls along the way.

This is a link that I received from Alan Collinge  http://StudentLoanJustice.org

I believe you owe it to your yourself to read Alan's web-site. I would suggest start with
Frequently Asked Questions and sign the petition.      
                                                                           
I think it's very important that you know this issue is not about the right against the left..... or Republican verses Democrat....... The student loan debt crisis this $1.2 Trillion student loan debt that is growing faster today than ever before.........
This is about right and wrong.... Our children.... our young adults  student loan consumer protection rights have been stripped away  


In order to clean up the now $1.2 Trillion student loan debt and yes it is a "CRISIS"  and  with the scary fact is that this debt is now growing faster than ever before.
Student loan bankruptcy has to be reinstated! The Federal student loan bankruptcy was taken away in 1978 and then Private student loan bankruptcy in 2005.



I am starting to see programs like SALT which is now available on over 200 college campus and Tuition.io



www.tuition.io


  1. I am not endorsing either of the sites, but there  seems to be helpful information from both sources and management of the student loan debt has been a major problem.
The  biggest problem is the corruption in government  a good first step


If our leaders want to truly lead our Great Country

New laws need the approval and have the full support of our President and Congress!...... Integrity?

1) The Sequester starts with the President and Congress

2) No retirement package (The President and Congress were never intended to be a career!)
3) Salary changes based on the salary of an average American Citizen
4) Health insurance only while in office
5) No more than $1 million spent to get elected
 (Still too much! The American People should determine the amount/ no more elections bought!)

Serving America should be an "Honor Not a Privilege"


I don't mind if you want to call me a crazy old man, but everything above is just good old plain common sense! We have let a select few take over our Great Country with the help of the President and Congress. I have said this several times, and will continue to tell you it took $7 Billion? to elect the President and Congress the last election!


I want to add an update with the new Supreme Court ruling the $7 Billion it cost the last election could easily double  in 2016!


Look around do you like what you see?


 All I see is the image of  the 3 stooges.................. x 535 plus1


Just remember  when the $1.2 Trillion student loan debt bubble bust! That's was me just a crazy old man talking non-sense!








Tuesday, October 15, 2013

Mr.President Have you Ever Done Something Because it was Just the Right Thing to Do?


                                           Our Children are our Great Country's Future!

                        The Student loan debt Crisis is now $1.2 Trillion.The most upsetting fact
                        is that this debt  is growing faster today than ever before! The student loan
                        debt bubble is going to Bust! If changes are not made now!
                        Mr. President and Congress it's time to reinstate student loan bankruptcy!
                        It's time to allow tax incentives to small business to hire our graduates.
                        Instead of the $Billions of tax incentives Congress gives to our large corporation that
                        send their huge profits offshore, and the jobs our Great Country needs so desperately
                        the same corporations then sent the jobs overseas? Why?

                                                  Mr. President here's your chance!

                                            Thank you Dylan Ratigan for showing the emotion each
                                                 American should be yelling together everyday!

                            http://m.youtube.com/watch?v=gIcqb9hHQ3E&desktop_uri=%2Fwatch%3Fv%  3DgIcqb9hHQ3E

                                  
                                A must Read! Defaults Surge to highest levels

4:51pm Oct 2
Our children deserve the opportunity to once again, and be afforded their opportunity to live
The .....................................America Dream!

Thursday, October 10, 2013

Perception and Then the Reality of the $1.2 Trillion Student Loan Debt Crisis

It's all how we are taught to perceive a person who has integrity. The problem I see is that the word
integrity is used so freely that its lost its true definition. Moral upright, honesty, decency, honor,
soundness are just a few of the words that help to define integrity.

Our President and the Congress told us they saved student loans in the last hour of July 2013 when they came to terms. The student loan interest rates will increase, and parent's that take out student/parent loans will now pay more, but very little was mention about these increases our legislator's said had to be made in order  for the legislation to pass?   There was not one word about the even larger increase in profits the banks and special interest  will make off this new deal.  Integrity?

Now before I go any further I believe in the free market system we have in America. I don't believe that huge profits should be made off educating our children the very future of our Great Country.
We are a free society at least that is what we're told. If that is the case then why do just a select few
control our Great Country?  Integrity?

I believe we should always offer our neighbor a hand up, but not a hand out!

Our politicians make sure our big business, special interest groups are given $Billions in tax incentives! Then GE, Whirlpool, and 100's if not 1000's of other companies can then send their huge profits offshore, and the jobs our country so desperately needs are then sent overseas.
When these same tax incentives could be used to help Small Business to grow and to help to pay off $1.2 in student loan debt. Growing our economy.......... Small Business is the back bone of America........ Integrity?

I ask you to ask your Congressmen and Our President why.............Integrity?

The original purpose of  Project Tuition Reimbursement to find solutions and still is our main focus!
When I use "our purpose" I am referring to you and me I can not do this alone without your support and feedback.

Our children are our Great Country's greatest Asset... it's not...... GE or The President......  Integrity?

Our poor are given just enough to survive, but no real creation of jobs to help our poor get the hand up needed to be self-sustainable......... Integrity?

Our Congress took away student loan bankruptcy, but yet a gambler can declare bankruptcy? Major Corporations have taken our small business tore them apart repackaging them then bankruptcy is used again! Now only a select few make huge profits and these huge profits are more important than the country as a whole.......... Integrity?

It took $7Billion to elect the President and Congress the last election. They owe so many special interest groups they have no true concern for the American Citizen any longer.........    Integrity?

The $1.2 Trillion student loan debt crisis is growing faster than ever before.

You need to remember the housing bubble busted at $1.3Trillion! there was property to help the economy to rebound what is going to used when the $1.2 Trillion Student Loan Debt bubble bust?

Have I become cynical I believe so ,but I do believe there can be real change

If our leaders want to truly lead our Great Country
New laws need the approval and have the full support of our President and Congress!...... Integrity?

1) The Sequester starts with the President and Congress
2) No retirement package (The President and Congress were never intended to be a career!)
3) Salary changes based on the salary of an average American Citizen
4) Health insurance only while in office
5) No more than $1million spent to get elected
 (Still too much! The American People should determine the amount/ no more elections bought!)

Serving America should be an "Honor Not a Privilege"

I have no hidden agenda I only request every child to be afforded the best education available, and the opportunity to                            live ..................................................The American Dream!


Deferred: How The Student Loan Debt Crisis Is Threatening America's Future -
deferredmovie.com
 I promise you this is worth 2 minutes of your time!

The most important part of being a person of integrity is being able to admit when your wrong!

 "A baby comes into this world with only hope. The only gold we leave this earth with is our word."

Anthony Eller


Sunday, September 22, 2013

Please tell me am I crazy? Oh please fill in the blanks!

I have been writing this blog for a while now. I started a blog while my daughter Ashley was going to University of Southern Mississippi and break in between because of Hurricane Katrina. We had damage, but were much more fortunate than 100's of 1000's of others. I got to see first hand just how inefficient our local, state, and federal government really are. Please don't get me wrong there was help from so many, but oh how corruption on every level became the real problem. The haves and the have not's again the same old story a few benefited the most.

I don't want to get off topic, but I thought it was important that you see when my eyes were opened to just how badly we are treated as American Citizens by our own government and the corruption it breeds.

Today I am asking you. There is not just one reason that our student loan debt is now $1.2 Trillion
and it's growing faster today than ever before. I have been using $27,500 as the average student loan debt, a new article in Wall Street Journal now states that the average debt has increased to $40,000!

Also keep in mind it took $7 Billion to elect the President and Congress the last election?
So much money that could have been put to good use to helping America. But instead was used
to tell half truths and some just out and out lies to get elected!


My idea today is borrowing the theme from David Lettermen top 10 list. Dave if I remember correctly goes backwards so I'm going to list

10) The lack of checks and balances (by both our government and schools)

9) Defaults at highest level in 2 Decades

8) Special Interest Groups and their grip on our elected officials!

7)  90/10 rule for profit schools  (It's your research time you'll be amazed!)

6) The lack of disclosure on student loans

5) The principal on the student loan and appallingly high tuition cost

4) An outdated student loan system

3) Subsidized student loans

2) $7Billion to elect the President and Congress the last election (who do they represent?)

1) The # one answer................ "Corruption in our own Government"

Today I am asking you to fill in your top 10 list.  Got more just keep adding!
I gave you several causes some we don't even think about! There will be 100's of reasons
Just when you think you have all reasons why...... I promise you'll think of another reason
Please use comments below also use  ,G+, Facebook,  anywhere and everywhere so every time
a Politician goes somewhere he is seeing a list and a list... and then a list........an still another list!
I will continue to create new posts to highlight your #10 Please go below to comment list your top
# 10 I will include your name if you like! just me your ok!

I have no hidden agenda.........My only agenda is that every child should be afforded the opportunity to an education, and the opportunity to live the........................American Dream!

Nearly every man who develops an idea works it up to the point where it looks impossible, and then he gets discouraged. That's not the place to become discouraged.

Thomas Edison

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896

This a 1 year reinstatement of student loan Bankruptcy both Federal and State
Please sign it's just another message that changed is needed!


I am adding the top 10 from Ryan Jones

10) Student debt inhibits graduates' ability to buy a car, home, get married, or have children.

9) Tuition costs force student to pursue more "lucrative" careers, even if they don't want to.

8) College administrators are paid more, on average, than their faculty counterparts (the ones who create the actual value for the university).

7) This has been tried before in Chile, and it's failed miserably.

6) The federal government is reaping huge profits from students. This isn't justifiable, because students and their families already pay taxes to the government.

5) For-profit schools are driving up the student loan default rate; they're forcing students into debt and offer an illegitimate product.

4) Many states spend more on their prisons than on higher education.

3) Student loans are impossible for the average borrower to discharge due to bankruptcy.

2) Private lenders are insured by the government against losses incurred from a defaulted loan; the borrower is not.

1) Student loans punish you for becoming pursuing your dreams.
.

Best,

Ryan

Sunday, September 1, 2013

Keep it Simple....Everyone Should Understand!

I am committed to telling you only the facts, and I have been hard on the President and Congress for the poor job they have done. I ask anyone that thinks I have said anything that is not true to please post to my/our blog.
If I was wrong I will be the first to admit it! And I will make the correction

The corruptions runs so deep and seems to only be getting worse........ not better!

It starts with the election of the President and Congress I have said this several time that the last election it took almost $7 Billion to elect the President and Congress????

Where do you think their loyalty is going to the American People or the corporations and special interest that bought them their seats?

I have given you so many solutions that are just plain common sense. Also each solution has checks and balances. The problem is when something is simple there is no way that cronyism will work. The President and Congress  have to be able to hide the truth in order for their donators to be able to make the huge profits off the back of our great country's future.............our children!


I have to tell you this morning how proud and how honored I am to know this young man Ryan Jones. Ryan still owes some where around $30,000 in student loan debt! He started to write me and decided that with his writing talents he could warn those students coming behind him of the dangers
of student loans.

This book is a guide not only for the students, but concerned parents as well.


With more concerned youth like Ryan and Alan Collinge of student loan justice

http://www.studentloanjustice.org/donate.htm

We have correct the past problems to allow student loan bankruptcy once again. Bankruptcy is not just about forgiving the debt. Bankruptcy is about reorganizing the debt so our graduates, and those that didn't graduate, but still ended up with an outrageous amount of student loan debt will have a chance to rebuild their lives............ that  have been so unjustly taken away.

And don't forget about an old fart like me that was scared to write because of being dyslexic.
If I can write no matter how bad sometimes...........any one can write! Yes that's right it means you can too! I know you can make a difference......... I'm living proof that each one of us can make a difference!
Don't believe me ask Ryan Jones!......... he stood up.........now it's your turn what are you going to do?

We all have to get involved before our children, our young adults future are taken away.............  this is the very future of our great country! Please tell me you'll help our children, our young adults have the same opportunity that each of us were given.

I challenge each of you to start to speak up tell your Congress and the President we have had enough!

This $1.2 Trillion student loan bubble is going to bust if changes are not made quickly!

My only agenda is that every child should have an affordable education and the opportunity  to live the............................American Dream!

Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.

Thomas Edison

Tuesday, August 27, 2013

A Must Read Article! link to The College Loan Scandal by Matt Taibbi


 

I wish I had a better command of links etc......

I only have one agenda and that is every child is given the opportunity of an affordable education
and chance to live the ..................................American Dream!


P.S.

Can you tell me why?

OK this post was written 08/27 . It seems someone has gone back put 1 thumb down on the last 8 post I had gone over 30 post with all thumbs up until you?
Man Up................... defend your position!
Do you not think we have a serious problem with the outrageous cost of education today?
If I'm wrong I have said before I will admit it.

 

 
 

 

Friday, August 23, 2013

President Obama now going to pick the Winners and Losers?

I have said from my very first post we need simple common sense solutions.

I want you to stop a think, better yet I would like you to sleep on this tonight. Every time our Politician's said they are going to protect us the solutions are always very complicated?

I have also told you when I started this blog, until the huge profits are taken out of education
there will be no real solutions.

I want each of you to read President Obama proposals first. His new proposals are easy to find
the whole lollypop news media (pick your flavor of non-sense news! Can someone tell me where is the real news ?)  are out in force to report how he is going to solve the $1.2 Trillion student loan debt. It doesn't stop there tuition is increasing 8% a year and will double in 9 years if measures aren't put into place now.

After your have read his proposals, I ask you to take the time and go back and read my solutions.
I have some very good ones and some that could use some work. I will tell my heart and soul has gone into every one. Simple common sense solution that will give a hand up,but not a hand out to the very future of our Great Country...........................our children!


I have only one agenda and that is for every child to have the chance to receive an affordable education and the opportunity to live the..............................American Dream!

Friday, August 16, 2013

Student Loan Bankruptcy was Taken Away!................Why?

Bankruptcy was taken away from Federal Student Loans in 1978  and Private Student Loans 2005. Why?

This is an issue that should be being solved now! We have lost generations from 1978 to present that
have had their lives destroyed; even though they tried to do what was right.

Remember:
The Congress had to protect the Bankers... in 2005?

Did someone forget to tell Congress that our Federal and/or State Judge's would make the decision if a student loan bankruptcy case had merit to discharge the debt? Is this not why we have our court system in America?

Now for the reason why! The list below are the Congressman that changed the law. No one really knows except them. We need to ask each and everyone of them their reason for changing the law, and give them a opportunity to admit they were wrong in their decision.

I have found a true man of integrity has the courage to admit his mistakes !

Congressman Grassley and your co-sponsors........... are you men of integrity?

Sponsor: Senator Chuck Grassley
Co-Sponsors:
Senators
Thomas Carper
Mike Crapo
Jim DeMint
Michael Enzi
Chuck Hagel
Orrin Hatch
Benjamin Nelson
Jeff Sessions
Richard Shelby
John Sununu
John Thune
David Vitter

  with a vote.............. of/  yeas........ 302......... nays....... 126    nv...........7 passed

 The Bankruptcy Abuse Prevention and Consumer Protection Act 2005
  clerk.house.gov/evs/2005/roll108.xml

Student loans would no longer be able to declare Bankruptcy except in a very extreme circumstance

I have done the leg work now all we have to do is continue to call, write, email, sign all petitions that would reinstate student loan bankruptcy until they get the message that changes have to be made!!!!!!!

  http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896

Studentloanjustic.org  also has a petition.( you can also read the history of this problem there)

Start your own petition I'll sign!!!!!!

Again Student Loan Bankruptcy is more about reorganizing of the debt, than the discharging of the debt!

Let your voices be heard by your Congressmen and President Obama

This fight is all about awareness!!........until Congress reinstates Student Loan Bankruptcy!

This is just one part of correcting this giant student loan mess that has allowed a select few to be able to make huge profits on the backs of our future.......................our children!

The student loan debt is at $1.2 Trillion and growing faster than ever before!

Tuition is increasing by 8% yearly and if nothing is done will double in 9 years!

I have no hidden agenda My only goal is for every child to have an affordable education and their opportunity to live..................................The American Dream!

Monday, August 5, 2013

Reality Check! Now just imagine your new born baby

The $1.2 Trillion student loan debt that is now growing faster than ever before. If we do not make drastic changes now. The average tuition is increasing 8% yearly and if no changes are made now will  double in 9 years! I an not an economist, but simple math will tell you a public state college at $17,500 and I promise you this is a very inexpensive school in 9 years $35,000 and the 9 years after that $70,000 now times 4 years= $280,000  this looks more like an Ivy league school.

We need solutions not just the low interest rates that Congress passed that the rates keep growing every year capped at 9.25% for students and 10.5%.parent plus student loans.Congress is running student loans like a profit center with the huge profits going right back into a system that is outdated with no checks and balances.

Real solutions staring with helping our graduates who life's have already been turned up side down
My petition 1 year reinstatement  allows both sides to be heard and then we can make a decision in the best interest of our Great Country.

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896

Please if you don't like my petition do you have a better idea?

I have no hidden agenda!

My one and only agenda is to give  every child the opportunity at an affordable education and their chance to live the ...................................American Dream.


Monday, July 29, 2013

New Federal Student loans a Shame!

We have got to change the thinking on student loans. I agree there should be a cost involved in a college degree. That said it's not always just loans it can be a scholarships based on merit.

Our present student loan system is outdated! America has changed! The saving for college is almost a thing of the pass for middle class families. Most middle class are now living week to week and some may be month to month just to pay for necessities with more and more if  they can afford health insurance the deductible is so high can't afford to use the insurance, but in extreme emergencies.

How is this possible in America?

Our President and Congress has no idea what's it's like worrying if your going to have that next pay check, or can I pay the mortgage. What missing just 1 paycheck will do to turn a family upside down! Now think of the graduate that just graduated and the terrible job market and low starting salaries.What a way to entered the work force if you can even find a job.................. Oh that's right Wal-Mart is always hiring

I had mention before Congress is not called the millionaires club for no reason, if not a millionaire already chances they will be by the time they leave office with a lobbyist job waiting with they're lifetime retirement.

Breaux and Lott are the perfect examples of the benefits of serving themselves after Congress!
The sequesters where everyone suffers except companies like General Electric and Citigroup their tax credits stayed in place with the help of our former Congressmen Breaux and Lott
Oh did I forget to mention  the President and Congress ............No pay or benefits cuts here! 

So I ask you why do we suffer as a nation, so a few can continue to destroy our Great Country?

Student loans should not be a profit center. There will have to be more over sight on student loans, and student loans should be low fixed rate made into permanent law.

I know this can not happen over night!

A start would be that at the end of the school year the student has a mandatory meeting with their adviser grades are discussed, is student on the right path, your loan amount is  $20,000 right now you would owe $350 a month for 20 years!................ Reality check this would be a start

Again my only agenda is that every child deserves their opportunity at an affordable education

and their chance to live.................................The American Dream!

The petition is to allow everyone to see the problems with the student loan debt crisis
Don't our graduates deserve one year to plead their case then we can all decide.
if Student loan bankruptcy is just or................... not?

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896

Sunday, July 28, 2013

I Challenge You!

I have told you from day one I will not give up the fight until the $1.2 Trillion student loan debt is fixed. This involves more than just the debt coming down it also means up-dating the broken student loan system. Student loan tuition is increasing 8% yearly and will double in 9 years if  drastic changes  are not made. The banks are writing off $3 Billion in uncollectable debt?

As I said before I'm a 58 year old man who is dyslexic. In case you don't understand what this means I have a tough time reading, taking the symbols of letters and converting letters into sound and meaning, also inverting of numbers is a challenge I  had to come up with my own strategies to cope with my dyslexia, because when I was growing up we were just consider slow or lazy. This is a definition of my gift that I have borrowed from Charles Schwab who is also severely dyslexic yes the investment broker who happens to be worth $4.3 Billon!

"Opportunity is missed by most people because it is dressed in overalls and looks like work"
Quote by Thomas Edison who also had the gift of being dyslexic


I tell you this because you need to understand this is a true labor of love for my children, your children and future generations to come. I have also told you that I spend a minimum of two hours a day reading articles, researching, talking to anyone that will listen. There are 100's of solutions;
the problem is a few want to make huge profits off of our children's education. Why do we the American public allow this to happen?

 The $1.2 Student Loan Debt Crisis is a very complex problem that again a few have created.

The solution is not complicated  We are some 314 million strong and I hate to use the term against,
but that is the problem. The majority of  our 535+1 are not working for the best interest our Great Country.

Please someone help all of us to understand why it took almost $7 Billion to elect the President and Congress the last election?

OK here's the Challenge we need    2 solutions from each to start to solve this Crisis

1-A solution to bring down the $1.2 Trillion Student Loan Debt  please remember this debt continues to grow larger and larger everyday........ until we have a solution!

2-A solution to make education affordable to all of our children

I would love to have you on board. This debt must be a concern to you, or you wouldn't be reading   my blog.

Now the question is......... do you care enough to get involved

I have one agenda and one agenda only..........

To make education affordable for every child................ to give them the opportunity  to

Live the.........................................American Dream!

The petition is to allow everyone to see the problems with the student loan debt crisis
Don't our graduates deserve one year to plead their case then we can all decide.
if Student loan bankruptcy is just.................. or not?

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896

Thursday, July 25, 2013

Until Solutions are Found !

I will not stop working to find answers and I hope with your support until solutions to the student loan debt crisis have been found. There is not going to be one magic answer to fix this giant mess. This problem I believe started with the best intentions making a college education available, but there are always those that will think only of themselves. And this is where the problem began simply put Greed and Power over the very people they sword to protect.

We have to make sure this time around there are checks and balances in place that a problem like this will not happen ever again

My petition;

1 year reinstatement of student loan bankruptcy both Federal and Private and to have the proceedings shown on c-span.  The American public can watch and  form your own opinion.
Then have a vote for reinstatement of the student loan bankruptcy both Federal and Private

The Congress argument was that graduates were abusing the bankruptcy laws. Not true the judge has to decide if there is grounds for bankruptcy .......not the graduate!
And just so we're clear bankruptcy is more about the reorganization of the debt........  than the discharge of the complete debt .............       Bank shareholders are you listening?

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896 


The system has been rigged by the lenders with the help of their Lobbyist and Special Interest
and don't forget Congress had to pass the law....and we elected them! ...... Why?

Look around the student loan debt is just one of the many problems we are having.

Reported up to $1Trillion in tax dollars wasted or unaccounted for in 2012?

Almost $7 Billion spent to elect the President and Congress the last election.
Look your Congressmen in the eye and ask why?

Our Great Country is being mortgaged away!

I will ask you until we can correct the student loan problems. We have to be smarter with your student loans

Ask the hard question about your loans

Demand to be consulted at the end of the school year  know what you owe and what your monthly payments would be right now

Make sure your committed to your studies

Don't be afraid to take a year off .................

This is your life.................. right now the average student loan debt  is $27,500 and it's growing too!

Please  write me with your questions if I don't have the answer, I will do my best to find the answer
or put you in touch with someone that can help

Remember the student loan debt is now $1.2 trillion! Now if the student loan debt would stop here I know we could fix it.
The problem is the debt continues to grow faster and faster everyday with no solutions coming from our
President,Congress,only a hand full of States, and only a hand full of Colleges.

I will not forget  to thank all the student groups, the advocates, and other groups that understand the crisis
and are working hard every day to find solutions.......again Thank you!

Congress continues to tell us just keep the interest rates low and the student loan debt crisis is solved????

If we do not find solution now........... The Student Loan Debt Bubble is going to Bust!

Tuesday, July 23, 2013

Truth,Honesty, and Integrity

We're brought up from an early age being told that truth, honesty, and integrity, and when you add education you have all the ingredients for a long successful live. We're also told that if we live by these principles no one can ever take our achievements away.

I will promise you without starting with the truth................ honesty and integrity have no real meaning.

I will tell you there are a very few in Congress that have held their ground, and are working hard to not let the Lobbyist and Special interest group influence their votes. And how they are not owing either their party or donators that helped them get elected in the first place? I find it very hard to believe that a few votes have not gotten through.

I know it seems that this blog has been bashing our politician's. I have no choice but to point out the money that is being spent on our elections. Close to $7 Billion the last election for the President and Congress. We're coming up on the next election which is predicted to cost even more money?

 WHY?    Have we the American people allowed this happen? 

Congress is called the Millionaire's Club for a very good reason. If they're not millionaires coming in they will be after taking the lobbyist job, consulting big business, writing books. Not to mention a retirement package most Americans could only dream of having.

Mr. President and Congress this should be the greatest honor that an American can ever have the opportunity and privilege of serving our great Country.

I know we are told to believe that elections are expensive................ again Why?

Shouldn't election be about the serving the American people not the few. You spend $Billions on programs that there have been no checks and balances on from day one. We should be offering the less fortunate a hand up not a hand out where corruption is just accepted?

If you were the men and women you claim to be! you would serve a couple of terms at a token $1 a year or give your salary to a cause that could make real change, and using your benefits only while in office. Then going back to the private sector where you can help grow our economy instead of  bankrupting our graduates. You do realize you are destroying the middle class, and you have mortgaged our country away?

Congress please tell us what you had to give up for the sequester?.......... salary, benefits? 

Change can happen educational benefits were taken away from our Veterans, but were reinstated when  American's became outraged and spoke out!

This brings us right back to the $1.2 Trillion student loan debt crisis which is now growing at it's fastest pace to date.

The $1.2 Trillion student loan debt bubble is going to bust!

Truth, Honesty, and Integrity???

Where are your solutions?

Wednesday, July 17, 2013

Why Do We Not Have Soultions?......just maybe



The student debt crisis is a prime example of why it is so vitally important to get the money out of politics. Since 2011, Sallie Mae has spent over $5 million on lobbying against the best interest of countless student borrowers and the U.S. taxpayers.

With the removal of bankruptcy protections from both federal and private student loans, lenders such as Sallie Mae are able to offer loans with virtually no risk. To make matters worse, Sallie Mae also owns many of the collection companies that collect on defaulted student loans. Once a student defaults, as much as 25% can be added to the principal, allowing Sallie Mae to make even more money if a borrower defaults.

The paragraphs above are the opening of a petition demanding that our lawmakers stop accepting money from student lenders such as Sallie Mae.

I spend on average two hours a day and some days much longer looking for solutions to the $1.2 Trillion Student Loan Debt Crisis! The $1.2 Trillion is not the worse part, because this debt is growing faster than ever before! Along with 8% increase in tuition now doubling every nine years...... I ask you to simply just do the math!

Without a solution now the student loan crisis is the next Bubble and it is going to Bust!

Our lawmakers are going to try to tell us they tried to fix the student loan problem by keeping
the interest rates low! They're going to tell us they have proof just read  "lollypop news" you know the news where you pick your own favor! The problem is lower rates has never been the solution, and never will be! At best the lower rates  have just prolonged the pain and destruction our lawmakers have allowed to happen to our graduates and Our Great Country!

What is the old saying................... sold your soul to devil!

The last election almost $7 Billion was spent on the President and Congress to get elected?

I have a question how do you put your head on your pillow and sleep at night knowing what you are doing to our Graduates and to this Great Country?.............Oh I forgot $7 Billion can help you forget.
Oh ............Please excuse me I'm a little slow today I also for forgot that the lobbyist and Special Interest will continue to bring you dessert........... for the next 4 years!

Lawmakers you need to take a good  hard look in the mirror and see what you have become!

I have started a petition A 1 year Reinstatement of Student Loan Bankruptcy both Federal and Private and with the petition above this will be a great first step to getting rid of the huge profits being made on student loan

http://petitions.moveon.org/sign/1-year-reinstatement?source=c.fwd&r_by=8341896 



As you can see I'm far from even a average writer, my articles have been turned down because
     "Many of the submissions you've sent have had grammatical and formatting errors."

I know this and I am trying everyday to improve.
The problem is the student loan debt crisis can't wait on me becoming that great writer!

The only agenda I have

Every child should be afforded the opportunity through education............................
                        
to live.............................The American Dream!


Monday, July 15, 2013

Is the Student Loan Debt Bubble Real? You Decide!

I am going to keep this very short today I want you to digest just a few facts

In just the start of 2013 January and February alone! The banks have declared $3 billion of student loan debt as noncollectable, according to Equifax's latest National Consumer Credit Trends Report.
This represents a 36 percent surge from the same period last year!

We now have thirty-five percent of people under 30 with student loans that are at least 90 days late on payments compared to 26 percent in 2008! reports from the Federal Reserve and Equifax.
It is also noted this number is likely higher because of  deferments in a grace period!

FICO  reported approximately 12 million Americans had two or more student loans in 2005
The figure has more than doubled to 26 million in 2012!

The average student loan debt in 2005 $17,233 this debt has increased 58 percent
 to $27,253 in 2012
A comparison of all other debt  categories  combined only grew 4.3 percent!
Does anyone see a problem here?

I am going to leave you with 1 last fact

FinAid has reported  there is an 8% Increase a year in college tuition . I ask you to pull out your
calculator's this means tuition is doubling every nine years!

The Facts don't lie............................

I have only 1 agenda, and that is every child should be afforded the opportunity

To live........................... the American Dream