#student loan scams list

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Saving Money and Being Frugal

We’re all in this together. Don’t give up.

On food and groceries:

How to Shop for Groceries like a Boss

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

If You Don’t Eat Leftovers I Don’t Even Want to Know You

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment 

Take Pride in Being a Cheap Date

The Library Is a Magical Place and You Should Fucking Go There

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

What’s the Effect of Social Media on Your Finances?

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

Run With Me if You Want to Save: How Exercising Will Save You Money

Our Master List of 100% Free Mental Health Self-Care Tactics

Why You Probably Don’t Need That Gym Membership

How to Get DIRT CHEAP Pet Medication, Without a Prescription 

On other big expenses:

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Understand the Hidden Costs of Travel and Avoid Them Like the Plague

Other People’s Weddings Don’t Have to Make You Broke

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

When (and How) to Try Refinancing or Consolidating Student Loans

The Real Story of How I Paid Off My Mortgage Early in 4 Years 

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

How Can I Tame My Family’s Crazy Gift-Giving Expectations?

In Defense of Shameless Regifting

Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

How to Spot a Charitable Scam

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again? 

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

Don’t Spend Money on Shit You Don’t Like, Fool

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess

We will periodically update this list with newer articles. And by “periodically” I mean “when we remember that it’s something we forgot to do for four months.”

Bitches Get Riches: setting realistic expectations since 2017!

Start saving right heckin’ now!

If you want to start small with your savings, consider signing up for an Acorns account! They round up your every purchase to the nearest dollar and save and invest the change for you. We like them so much we’ve generously allowed them to sponsor us with this affiliate link:

Start investing today with Acorns

[vmures]

Just a reminder to other US American folks with student loan debt, be very wary of any communications you get that aren't from your actual student loan provider. I just got a scam email stating that I was eligible for an extension now that student loan repayment is due to start up again in October 2023. Given that my loans are through FedLoan, I knew right away it wasn't legit as the email was from a random hotmail account and I also know that no extensions have been put into place beyond the usual option to apply for forbearance or deferment.

Also, your loan holders usually send you communications in writing via email or mail. If you get calls from someone claiming to be with your loan provider, hang up and call back the customer service line listed on the loan provider's website or the last bill you got in the mail. Do not call random numbers left on your voicemail.

[itsuki-minamy]

"AYAKA – SIDE STORIES 11" (Part 02/04)

"JINGI, A DREAM AFTER A DREAM"

TRANSLATION: NARU-KUN

* List of Chapters

Before he knew it, the memorial gathering had begun, which was too small for the hero who saved the island.

"By the way, what happened to the others?"

Kurama asked those who were remembering Jingi. Yashiki, a dear friend of Jingi, was drinking beer.

"It seems that a new enka singer is coming to sell at a nearby supermarket, so all the grandparents are heading there massively."

"Enka singer?"

"Apparently, this is a third-generation Japanese-Brazilian singer named Solemio Togashi, who wears a Mongolian sumo suit and whose special skill is singing while juggling."

(Eh? What? I lost to a singer like that?)

Jingi was surprised.

Saruwatari put his hands behind his head.

"Well, for a moment I wondered if I should go there or not."

"Do not miss!"

Although he couldn't hear it, he was pushing him.

"He's been my friend since you were a child!", Yashiki added.

"And the other neighbors generally said, "If I can go, I'll go"."

It seems like the memorial service for the person who risked his life is being treated like a party for college students.

Jingi's eyes widened in shock.

Haruaki nodded.

"Everyone is busy with various things. Apparently, the mayor, Inou-san, also has plans to get bugs out of the futon and get a haircut."

"He can do that another time!"

Unable to contain himself, Jingi screamed again. Then they began to happily remember Jingi.

However, when he heard them, they did not speak well.

"He drank a lot and was bad."

"He was gathering food."

"He was trying to commit a loan scam against elementary school students."

"He lost so much playing pachinko that he rolled on the floor screaming."

(Hey, you guys...)

Jingi trembled with anger.

(They are saying things that are not true!)

Actually, most of it is true, but he would like them to limit their memories to only the good ones. So, as if they felt that feeling...

"Well, I feel a little sorry for him. Next time, let's say something nice about him, okay?"

Jingi nodded vigorously.

Then, the atmosphere that had been so lively a moment ago fell silent. A heavy silence. In fact, the current environment is more appropriate for a memorial gathering. Everyone looked at each other and was silent.

Haruaki, who had been thinking with his arms crossed, finally spoke.

"No, that's right, Jingi... he always cut his nails properly, right?"

"Ah..."

Everyone started screaming as if they had been saved.

"Yes!"

"I'm sure that guy's nails were pretty good!"

Everyone congratulated him as if they had fulfilled his responsibilities. Jingi screamed irresistibly.

"I guess that's all I can do if I try to figure things out!"

However, the tsukkomi did not reach him. Instead, he heard a voice coming from the hallway.

"Oh, everyone is in high spirits."

A calm and meek voice came from the hallway. Jingi looked at the Goddess of Salvation with a desperate expression.

(Momoko-san!)

Unlike those heartless people, he was sure that she would be saddened by his loss and praise his bravery.

Even now, she made preparations for the memorial meeting (laughs) and even cooked the food. Momoko was the only kind woman who hadn't changed.

But...

"......"

Jingi's mouth dropped open.

Momoko had changed a lot. Although she was inside the house, she was wearing a thick fur coat, a dazzling diamond ring on her finger, and a pearl necklace around her neck. The decorations alone would cost millions.

However, her facial expression was still the same kind smile as before, so it was a strange mismatch. The men in the room were not only depressed by the impressive outfit, but also fell silent.

Before long, Yashiki and Saruwatari were secretly whispering to each other.

"Look, Momoko-san, it seems that she has taken out a considerable amount of life insurance for Jingi."

"I see, that's why she made a lot of money."

"Keep it real!"

Jingi paled.

"This is the first time I've heard it!"

Momoko heard whispers from Yashiki and Saruwatari.

"Hey, listen. I haven't changed at all. Look."

She grabbed a plate of freshly prepared food from the tray and placed it on the table.

"Slow-cooked caviar and foie gras and fried truffle."

"She's changed after all!"

She was not the kind of person who would prepare incomprehensible dishes with such extravagant ingredients. Money is scary.

Saruwatari and Yashiki were talking secretly again.

"By the way, according to information from a construction company I know, it seems that this house will be renovated in a big way and will be eye-catching in the near future."

"I see. That's why Jingi's belongings were sold at Memekari the other day. There were a lot of things that got in the way."

"Momoko-san, the change is too fast!"

Momoko probably didn't hear Jingi's voice, but she laughed and said:

"That kid did a really good job in his final moments."

She was whispering that.

"Momoko-san!"

Jingi is now terrified by the darkness of her. So, Haruaki said to take it easy.

"By the way, what happened to Jingi's grave?"

"Eh? A grave?"

When Jingi seemed to suspect something, Momoko looked at them with a knowing expression on her face.

"Ah, over here."

With that, she put on her sandals from the terrace and went out into the garden. Others followed her example.

So...

"Here it is."

Momoko had a big smile on her face and pointed to a small, thick clay bun. A shamoji was glued on top and the words "Jingi's grave" were written on the front with a marker.

"My name is spelled incorrectly!"

Jingi was screaming.

"No, nowadays, if your pet turtle dies, it will have a better grave! If you have the insurance money, at least make it a little more elaborate!"

However, Jingi's statements went unheeded, and Haruaki, Yashiki, Saruwatari, and Mitarai closed their eyes with solemn expressions on their faces and clasped their hands towards the shamoji.

"Hey! At least one person should have doubts!"

So there...

"Please take it easy!"

A young, raw and angry voice was heard from behind. When Jingi turned around, he saw Yukito Yanagi standing there with a manajiri in his arms.

Jingi slowly shed tears of joy. That's all. That guy was there. Yukito, who was his favorite disciple and loved him more than anyone.

He's sure it's him.

But...

"Please, Kurama-san. We're supposed to start training today, right? I've been waiting for you for a long time!"

"Oh, I'm sorry. I'm sorry."

Haruaki smiled and apologized.

"So, let's get this over with and get started, shall we?"

"Thanks, teacher."

Yukito was leaning beautifully at an angle of almost 45 degrees.

"He changed teachers!"

Jingi screamed loudly.

"It's too early for many things!"

Finally, Yashiki lost his balance, staggered towards the clay bun, and kicked the Shamoji to the ground.

"Tehe."

Yashiki put his fist to his forehead and stuck out his tongue.

"Hey, don't do that! Fix it properly! Oh, don't step on it! Don't step on it! You idiot! Ah! You're all idiots!"

Jingi shouted.

It was already a tsukkomi from the bottom of his soul.

Immediately, the image of Haruaki, Momoko, Yukito, and their friends chatting loudly in the garden became blurry, his hearing became distant, and his vision narrowed.

And Jingi's senses...

Once again it was painted an overwhelming gray color.

The first thing he felt was strangely similar to the summer day when he went to the beach with his two brothers, jumping from a cliff into the sea.

At that moment, sea water entered his nostrils and he almost panicked. That time he couldn't breathe for the first time either and waved his arms and legs involuntarily. He couldn't tell what was up or down, he was disoriented and felt like he was going to scream.

He opened his eyes,

"Ah? Eh? Huh?"

He looked around frantically. He tried to breathe, but he stopped reflexively. He felt like he was underwater.

But...

(What is this place?)

The area was filled with a color that was neither gold nor ocher. It was not cloudy at all, but visibility was not very good. Although he was still short of breath and felt like he was drowning, Jingi gradually regained his composure.

(This place... maybe...)

His experience and knowledge as a person of connection naturally taught him the answer.

(Am I on the line of life?)

A torrent of life where all lives return and become one stream. The source of all power. A large underground flow of energy that penetrates underground on Ayaka Island.

He was floating inside it.

No, he was slowly but surely disappearing.

What fills his environment as liquid is life force. Looking up, down, left and right, there was no end, just an enormous amount of life surrounding Jingi. As he trembled, he felt a surge of power that made his body tremble.

(In other words, what happened before was a dream, right?)

And the response was natural.

(Guess I'm dead after all.)

Right now he was probably about to be immersed and assimilated into the life cycle. Before long, his consciousness will completely dissolve into the life energy and his ego will eventually disappear. He seems to feel that fleeting moment, which is like a slight illusion.

(But...)

He couldn't help but smile bitterly.

(What a dream.)

It was quite an advance.

(If I had a dream, I would like to have a better dream.)

Probably the more he sleeps, the more his disappearance progresses. However, the more he struggles within that lifeline, the more his consciousness recedes.

His body felt warm and his mind became flat. Then, feeling the most intense drowsiness he had ever felt, Jingi closed his eyelids again.

The next thing he knew he was back at the Ninoshima camp. The place was exactly the same as when he first woke up. However, the surrounding landscape changed from day to night. A faint moon adorned with clouds hung in the sky, and the cries of frogs and insects could be heard loudly in the surrounding rice fields filled with black water.

And one more thing.

The biggest difference from last time is that Jingi himself is very aware that this is a dream he is having in the middle of the lifeline. He checked his limbs and took a closer look at what he was wearing.

Instead of the classic ghost costume from last time, he was wearing the green hoodie that he normally likes to wear.

"Well, it's happening again, I guess I'll just have to get up and walk."

He knew it instinctively. The more often he dreams, the more likely it is that he will become absorbed in the cycle of life and eventually completely lose his sense of self.

And, at that moment, he would await pure harmony with the vital energy, that is, a definitive death.

"But how did I wake up?"

It was then that he crossed his arms and was lost in his thoughts. He noticed two figures slowly approaching him from the darkness.

"Onya?"

Jingi strained his eyes. There were no streetlights around, so it was difficult to see who the other person was. However, as soon as the clouds passed over the moon and the area was once again enveloped in soft light, he realized it.

"What? Tanaka Oba-chan and Nomura Oba-chan?"

That was the same dream as last time.

In his previous dream, he met those two old ladies from the neighborhood.

"Hey!"

Jingi waved his hand tentatively. He thought he would ghost herself again, but this time they both responded to his voice. Everyone seemed surprised and turned their heads towards him.

Jingi became happy and tried to wave even more vigorously.

But...

He immediately noticed something strange and stopped moving.

Before he knew it, the sounds of frogs and insects had stopped.

"Eh?"

Jingi backed away a little, still smiling. Something was wrong. First of all, the two ladies were acting strangely.

They stiffened their arms and legs and walked towards him with extremely clumsy movements.

The advancement was strange, as if all the joints were broken.

And...

"Uuuh~"

"Aaah..."

Their eyes were blank and they were constantly making noises that didn't make any sense.

(I don't like it very much, but... I've seen movies and games that feature something like this several times.)

Jingi slowly withdrew. Meanwhile, the ladies extended their fingers towards him and closed the distance.

There was a hint of longing.

They called Jingi, like fresh human meat.

"Hahaha."

Jingi turned his back on them.

"See you later, ladies!"

He ran as fast as he could.

They were zombies.

No doubt.

The two ladies had turned into zombies.

So...

"Gaaah!"

"Aaaaaah!"

Both Tanaka-chan and Nomura-chan have been carrying out the mission together.

And they were quite fast.

(It's the type of zombie that comes running depending on the situation!)

Jingi screamed desperately in his heart as he ran across the furrow with the speed of a sprinter, his fingertips immobilized.

(This is a dream! This is a dream!)

However, his most sincere wish did not come true and he continued to be chased by two old zombies while he said things like "Aaaaaaaaaaaaaaaaaaaaah."

The place Jingi jumped to was a two-story barn that was right in front of him.

That's the kind of place you would normally keep your farming tools. It smells like hay and a little moldy. Although out of breath, Jingi desperately turned his body, raised his shoulders, and closed the door.

It wasn't long before he heard the sound of zombies crashing outside.

"Ah~"

"Eh~"

Jingi was scared and horrified, so he sank to the spot, leaning his back against the door. He was shaking.

(I am very aware that it is a dream I am having on the line of life.)

The situation seemed too real.

Knowing it was a nightmare was one thing, but knowing it was enough to cover the trembling fear was another matter.

It's that moment...

"Jingi-san?"

A faint voice came from deep within the darkness of the barn. Jingi looked at him surprised.

A boy stepped out into the moonlight shining through the second story window. Jingi shouted the boy's name with an expression of disbelief on his face.

"Yukito? He is Yukito?"

That person was definitely Yukito Yanagi. The moment Jingi saw that delicate face with a sad expression on his face...

(Good! Nice to see you!)

That feeling suddenly grew and he didn't even pay attention to the long, thin object in his hand. He tried to run towards Yukito.

At that moment...

Zudon.

A trembling roar echoed through the area, and Jingi was on his butt. There was a hole in the ground a short distance from his feet and a slight amount of smoke.

"Y-Yukito?"

Jingi finally realized it.

Yukito was holding something that looked like a rifle.

Besides...

"Jingi-san."

"Eh?"

"Now say the tongue twister."

He held the barrel of the gun pointed directly at Jingi's forehead. The explosion that sounded earlier was the result of him firing a single shot.

"Okay! Tongue twister!"

Yukito shouted in a strained voice. Seeing his finger press the trigger, Jingi panicked.

"Na, Namamugi Namagome Nakakago."

"......!"

"No, that's not true! Wait! I just took a bite. Raw wheat raw rice raw eggs!"

He understood it immediately.

Yukito was checking if he had turned into a zombie. He was relieved to be able to respond for the moment.

"Next. Roll, roll and keep rolling, six rolling."

There was another question from Yukito. Jingi grew impatient.

"Eh? Wait a minute. I can't say things like that normally."

"Then, red capybara, blue capybara, yellow capybara, red paprika, blue paprika, yellow paprika. Either apologize to Aya or your parents. I apologized to Aya and the greengrocer. A singer comes and tells me to sing, but I can sing well enough to sing, I will sing, but since I can't sing well enough, I won't sing, but that's okay."

"Ah, can you say Akakapibara? Well, you're very good at tongue twisters!"

"Suspicious."

Yukito looked at Jingi with suspicious eyes and tried to shoot him. Jingi shouted without caring what he was doing.

"I'm Sagawa Jingi! You're Yukito Yanagi! I'm your teacher. I'm the one who picked you up on this island! You remember, right? I was waiting at the school gate, drinking sake. I was the one who threw you into the river! What I said at that moment was "Just fly!"."

Yukito's body stiffened for a moment. In an attempt to dissuade him, Jingi rolled up his sleeves and hiked up the hem of his pants, showing every part of his body.

"Look! Look! There are no bite marks anywhere, right? There are no scars, right? I haven't turned into a zombie at all! I'm a human!"

A drop of water fell down Yukito's cheek.

He lets out a sob.

"Uh, uh. I'm sorry. Jingi-san, I guess you haven't been bitten yet, right? I was really scared. I'm sorry. I was very suspicious."

"No, it's fine."

Jingi said as he broke out in a cold sweat.

"If your suspicions are cleared, could you put down the gun first?"

Yukito regretted it with tears streaming down his face, but he didn't move the muzzle of his gun and kept it pointed at Jingi.

He had the air of a trained soldier.

Yukito looked scared.

"Ah, ah. Sorry, sorry."

He finally abandoned his stance. Jingi took a deep breath.

"So what happened?"

He asked Yukito with a bitter smile. Yukito began to respond with tears streaming down his face.

"Yes. At first, I went to Inou-san's house for some business. But then those guys came in, and Inou-san was bitten, and his group joined Inou-san right in front of me. So, I had no choice."

(I see. That's why he killed Inou.)

Jingi felt sorry for Yukito.

It was understandable that he was nervous, since he had done something to someone he knew.

He tried to put a hand on Yukito's shoulder to comfort him. Yukito continued speaking.

''Then after that, I shot the city hall employees one by one, and Ichijou-san, Yako-kun, Chatarou-kun, the police officers, the supermarket employee, the head priest of the temple, and the thief who he was hiding. I knocked down the people who seemed to be attacking me at random, and also Mitarai-san, Yashiki-san, Saruwatari-san and everyone else.''

Jingi gently removed his outstretched hand.

(This boy, Yukito is the crazy type.)

How many people has he killed?

Jingi thought for a moment. Then, he cleared his throat and placed his hands on Yukito's shoulders again.

Looking into his eyes.

"It's okay, Yukito."

"What?"

"Listen carefully."

He paused for a moment.

"This is a dream!"

At that moment, Jingi felt an incredible shock on his cheeks and was impressed. After a while he realized that he had been hit with the butt of a rifle.

"W-what?"

Jingi sat with her legs diagonally like a girl, put his hand on his cheek, and looked at Yukito with teary eyes. Yukito let out a sigh and said sadly.

"Jingi-san."

He smiled slightly.

"Please, faces reality."

(Damn.)

An alert pulsed at a dangerous level in Jingi's head.

(This guy, what's worse, he can't understand anything at all!)

When Jingi was stunned...

"......!"

Yukito looked surprised and turned towards the door. Attracted, Jingi also directed his attention there.

He immediately understood why Yukito had reacted.

Mishi.

The barn door began to creak. Outside, he heard multiple moans of "Aaaaaaaaaah~". He felt like dozens of zombies were gathering.

"......"

"......"

The moment Jingi and Yukito looked at each other as if to say, "This is bad", a strange explosion sound was heard and the lock that had been closed broke in two. Since it was an ancient item, its strength was probably lower from the beginning.

And the worst...

The zombies ran into the room in an avalanche. Some of the zombies in front fell forward too hard, but those following them calmly stepped over the pitiful zombies and defeated them, rushing towards Jingi and Yukito like a murky current.

"Ah, here! Yukito!"

When he saw Yukito, he was running up the stairs to the second floor, carrying a rifle.

He didn't think twice about Jingi, that he was depressed.

Naturally, Jingi wanted to do the same, but...

"Awah! Awawawawah..."

His hips gave way and he couldn't get up properly.

If he panics, there is nothing he can do to save himself.

"Ah~"

"Uh~"

The smell of rot reached his nose and the zombies came so close that he could almost see their empty eyes.

(We're screwed!)

At that moment, Jingi closed his eyes as he thought.

"The softest and most solid things in the world are conquered and nothingness enters nothingness."

A gust of wind broke out and Jingi's body floated in the air. Surrounded by pure white light.

"Waaaaaaaaaaaaaaahhh!"

Jingi's body turned and flew into the sky from the door opened by the zombie. For a brief moment, zombies could be seen being dragged, rolled, and crushed against walls, farm tools, etc.

Jingi realized it immediately.

(This is Haru-nii's technique!)

When he looked to the side, Yukito was flying in the sky in almost the same conditions. The local tornado took Jingi and Yukito to a large pine tree growing on a small hill, and the roaring sound there was carefully dispersed, as if it were a lie.

At the same time, Jingi and Yukito suddenly fell on the spot.

He hardly felt any shock, as if an invisible giant had pinched him with his fingertips and gently placed him on the ground.

"Hey, I'm glad I made it on time. Are you guys hurt?"

A person sitting near the base of the pine tree called to them in a low voice. Jingi recognized his face and immediately let out a cry of joy.

"Haru-nii!"

As Jingi expected, it was Kurama Haruaki, the priest of Kaizumi Shrine and Jingi's older brother.

"You really helped me!"

He must have known about Jingi's situation and went to rescue them. The same skill as always. He was a model of a reliable older brother. Just as Jingi came over to express his gratitude.

"Do not come!"

Came a sharp scolding voice that was uncharacteristic of Haruaki. Jingi stood there, surprised. Haruaki laughed weakly.

"No, I'm sorry for yelling, Jingi."

Looking closely, he could see that Haruaki's face was sickly pale. A large amount of sweat dripped down his handsome face, as if he was enduring some kind of pain.

"What's wrong, Haru-nii?"

Jingi was upset.

[honest-verse]

Mess...

I've loved and adored travelling since always, if you knew me you'd know that for sure! If there was ever a question of what my bucket list items were- exploring cultures, learning languages, experiences and a chance to see new art top's it off and so the worm for travel and adventures… I'm in my third year of undergrads right now and have been looking out for options for my masters, I'm not criticizing India as such but the courses for my interest areas are not that great here ( It just seems like a dumb move to study under this immense pressure and competition especially in psych programs, just to be criticized and get mocked at when we enter the workforce. And don’t even get me started on the ridiculously low pay ) I've come across some great programs in the U.S and Australia, with great teachers, exceptional opportunities, great work demand and pay as well! But.. It's not all sweet honey. Firstly, Have you looked at the costings!! 35 lacks a year tf! What for? This is why literacy rates are doomed.. I'll probably have to sell my organs for this or something. And it's not only that, there is the social and security aspect; their crime rates and gun laws are just sooooo good that scams and fraud worries are just thrown out of the window at this point There syllabus and methods have been so different as well, My University has done a great job of inclusivity of different topics and pretty much covering up everything, from cognitive styles -to- psychopathology -to- stats and research as well, BUT YOU NEVER KNOW! What if its not enough and I learn that only after going there UGHHH! But that doesn’t mean ill be a rational thinker and not do it though, I'm an asshole I know! I hope its not just initial excitement and is a long term feeling but just thinking about how great it will be, all the experiences and people I would meet makes me wanna work 20 hours a week, be under student loan just as I enter work force and eat 2 meals a day just to save up anyways..0: !!!

[loansampm]

Student Loan Forgiveness Scam List: What are the most common ways you could be scammed? - Marca.com

http://dlvr.it/T4hDY4

[hardynwa]

Students face uncertainty as Ogun polytechnic offers nursing, law, other degrees

“I stayed at home for three years owing to lack of money. My parents wanted education but they were helpless. “I managed to conclude my secondary school education because my dad couldn’t pay the fees. I won’t blame him because he was strong and agile until 2022 when he had an accident that left him completely in a wheelchair. “Despite many pleas, my dad wouldn’t allow my mum to do any job until the accident, no thanks to that drunk driver. “After the accident, my mum got some loans and started a petty business but it wasn’t enough to feed a large family. There was no hope of getting educated. But I had promised my dad that I would be a graduate of law. “So I started working hard, I did all kinds of jobs to raise funds. “Many times I went to construction sites to assist bricklayers, while sometimes, I pushed wheelbarrows in the popular Ojota market. “After over five years of hard labour, my friend, Saheed, told me about Havarde and my little enquiry was to establish if my savings will secure me admission to study law here (Harvarde). “Having confirmed that, I came here, only for me to start hearing from different persons that we have been scammed. “I am currently in my second year. If this turns out to be true, I will be the biggest loser in the world and it won’t be easy for mum to take.” This was Aina Jide’s narration when our reporter approached him earlier in the week where he was seated and lost in thought in Obada area of Abeokuta, the host community to the controversial – Havarde College of Science, Business and Management Studies, a polytechnic where law, pharmacy, nursing, among other professional courses are offered to students. From random interviews, DAILY POST gathered that locals could not explain if the institution is a polytechnic or a university. The students are equally as confused as the locals. But the residents were pleased with the facelift given to commercial activities in the popular Obada, all thanks to the number of students living in the area. In an advert by the school posted online, it advertised that it awards National Diploma (ND) and Higher National Diploma (HND) certificates. But the same polytechnic also claimed in the same advert that it runs B.Sc conversion programmes for HND holders, creating confusion as to whether or not the school now has the approval of the National Universities Commission (NUC) to award degrees or it was accredited by the National Board for Technical Education (NBTE). A student of the school, who refused to give his name over the fear of getting reprimanded, spoke from the ‘pool’ of his confusion when he told DAILY POST correspondent that “Bros, I really do not know what to believe anymore, honestly, I am frustrated.” He said, “We learnt that Havarde was an affiliate of Olabisi Onabanjo University.” When asked the range of their tuition fee, he said law students pay N195,000 yearly as school fees, while those in the nursing department pay N130,000 yearly. Findings But Investigation by DAILY POST showed that the proprietor of the institution, Dr Oluwatosin Adebayo, severed ties with OOU many years back. Thorough checks on both NUC and NBTE websites showed that the school was yet to be accredited as a university. In a 2021 directory of the NBTE, Harvarde college was seen among the list of specialised institutions offering accredited programmes. The college got permission of the NBTE to offer four courses which include: Accountancy, Business Administration, Mass Communication and Computer Science all for National Diploma (ND) only. According to the NBTE, the accreditation ought to expire in October, 2022. Although not confirmed, a staff of the institution who preferred to be anonymous, told DAILY POST that the school got approval to run a monotechnic with the earlier mentioned courses. This reporter, however, discovered that, against the four courses accredited by the NBTE, the school now runs about 30 courses, including criminology, law, nursing, among others. Management reacts Responding to DAILY POST enquiry, the proprietor of the school, Dr Oluwatosin Adebayo, debunked the allegation, insisting that the school was duly registered by the federal government. “We cannot come to Abeokuta and be doing something illegal. If anything is not clear to you, please come to us to get clarification and not spread something that is untrue. “We used to be under OOU before but today, we don’t have any affiliation with OOU again. We can’t continue to serve one person for life,” he stated. He further noted that what he described as a rumour against the school emanated from rusticated students of the institution. According to him, “I think what caused all these rumours is because we do send students away from here. If after a year your GP is less than 1.00 or you misbehave, we will send you away. “We can’t harbour such students around us but most of them will not go home and what they will now do is to embark on unnecessary rumour.” Although the proprietor claimed that university courses on their campuses are on affiliation, he refused to mention the name(s) of the mother institution they are affiliated to. When asked what the school awards to students, Adebayo said, “We have ND, we have HND but we don’t have the power to issue Bsc on our own, so we have to affiliate. But we have accreditation up to HND level.” Meanwhile, thousands of students, just like Jide, are currently in the school, paying huge sums, in pursuit of academic certificates. Read the full article

[e-news254]

How Did The Government Of Uasin Gishu Scam Parents Over 900 million.

The government of Uasin Gishu announced to its citizen about a scholarships in Canada and Finland for university students. The requirements were very simple, you were required to pay over 600,000 for your child to be placed in the list of those who could join. Parents sacrificed their all time saving while others sold everything and others went to an extent of taking loans inorder to secure a…

[bitchesgetriches]

On food and groceries:

How to Shop for Groceries like a Boss

Why Name Brand Products Are Beneath You: The Honor and Glory of Buying Generic

If You Don’t Eat Leftovers I Don’t Even Want to Know You

You Are above Bottled Water, You Elegant Land Mermaid

You Should Learn To Cook. Here’s Why.

On entertainment and socializing:

The Frugal Introvert’s Guide to the Weekend

7 Totally Reasonable Ways To Save Money on Cheap Entertainment

Take Pride in Being a Cheap Date

The Library Is a Magical Place and You Should Fucking Go There

Your Library Lets You Stream Audiobooks and eBooks FOR FREEEEEEE!

What’s the Effect of Social Media on Your Finances?

You Won’t Regret Your Frugal 20s

On health:

How to Pay Hospital Bills When You’re Flat Broke

Run With Me if You Want to Save: How Exercising Will Save You Money

Our Master List of 100% Free Mental Health Self-Care Tactics

Why You Probably Don’t Need That Gym Membership

On other big expenses:

Businesses Will Happily Give You HUGE Discounts if You Ask This Magic Question

Understand the Hidden Costs of Travel and Avoid Them Like the Plague

Other People’s Weddings Don’t Have to Make You Broke

You Deserve Cheap, Fake Jewelry… Just Like Coco Chanel

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income)

When (and How) to Try Refinancing or Consolidating Student Loans

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It

On buying secondhand and trading:

Almost Everything Can Be Purchased Secondhand

I Am a Craigslist Samurai and so Can You: How to Sell Used Stuff Online

The Delicate Art of the Friend Trade

On giving gifts and charitable donations:

How Can I Tame My Family’s Crazy Gift-Giving Expectations?

In Defense of Shameless Regifting

Make Sure Your Donations Have the Biggest Impact by Ruthlessly Judging Charities

The Anti-Consumerist Gift Guide: I Have No Gift to Bring, Pa Rum Pa Pum Pum

How to Spot a Charitable Scam

Ask the Bitches: How Do I Say “No” When a Loved One Asks for Money… Again?

On resisting temptation:

How to Insulate Yourself From Advertisements

Making Decisions Under Stress: The Siren Song of Chocolate Cake

The Magically Frugal Power of Patience

6 Proven Tactics for Avoiding Emotional Impulse Spending

On minimalism and buying less:

Don’t Spend Money on Shit You Don’t Like, Fool

Everything I Know About Minimalism I Learned from the Zombie Apocalypse

Slay Your Financial Vampires

The Subscription Box Craze and the Mindlessness of Wasteful Spending

On saving money:

How To Start Small by Saving Small

Not Every Savings Account Is Created Equal

The Unexpected Benefits (and Downsides) of Money Challenges

Budgets Don’t Work for Everyone—Try the Spending Tracker System Instead

From HYSAs to CDs, Here’s How to Level Up Your Financial Savings

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

The Magic of Unclaimed Property: How I Made $1,900 in 10 Minutes by Being a Disorganized Mess

[studyvisaexpert]

Why take assistance from best overseas education consultants in India

When it comes to taking up the best jobs, many newcomers like Indians are leading in the race. But why? Because studying abroad has become a new phenomenon which has taken over, with many of foreign universities and colleges admitting students from other nations.

New ideas, cultural mingling and a concentration on the growth of diversity is what gives leverage to these aspiring students, who with the dedicated assistance from overseas education consultants in India are planning to make a lasting impact with their intellect and skill set they bring along with them wherever they go, be it Canada, UK, USA, Australia, Germany or New Zealand. 

Sometimes the reason is some unique and disciplined courses like Medicine or Law are taught best in these overseas universities with focus on top bred infrastructure, world class faculty and a platform where students can showcase their abilities and talents openly, to gain global exposure. 

There is an increasing accessibility to loans when it comes to students deciding to pursue their higher studies in foreign lands. If they have no clue about how and where to start they can take timely assistance from some of the best immigration consultants in Delhi who have some of the top-notch and experienced study abroad consultants.

Even the lack of awareness was a deterring factor in the past. Now with more knowledge and spread of speakers who talk about the merits and long term gains that studying abroad brings, makes students as well as their families more interested in sending their kids far away for them to have a brighter future in terms of their career as well as quality of living conditions. 

Also, many institutions do not have the desired course and disciplines which means that there is a certain lack of upgrade. Some courses like animation or STEM courses are not that readily available here. It could cost an amount of money for students to study as well as live and maintain their expenses while living abroad, but when they start working and studying they gain both experience simultaneously.

What happens is that they can reap the seed of abroad education to gain them a job offer from an overseas employer but also help them score additional points. In the case of Canada permanent residence, what you see is that a Canada study as well as part time work experience can open many doors for the students as well as give them an advantage if they are thinking about applying for permanent residence. 

You gain points with Canada study and experience since it is equivalent to Canadian standards. But since there has been an increase in the number of overseas students, there has been a sudden mushrooming of abroad consultancies which are scamming students on the pretext of sending them to top universities and colleges that they have always wanted to go, because of which it has become a concern to only choose overseas education consultants in India.

Why do we need study abroad consultants?

Career counseling in safe hands: For students wishing to move abroad for their higher studies, getting sound career advice is a must and is pivotal in shaping a future which they have envisioned for themselves.

Guidance for admission: There are times when we know of the course and the university, but the admission process can be so cumbersome and intricate, that any hopes of studying abroad are over much before they start as these consultants provide you with a list of universities. You get an idea about the fee structure as well as how to go about the process and the total estimated expenses to be able to reside in the nation. 

Making an Impactful Personal statement: Making a statement about your purpose and why you intend to study abroad shall facilitate your admissions decision made by the university. When you appoint a study abroad expert, even some of the best immigration consultants in Delhi brief them on your personal journey on why you have chosen to study abroad in a particular university among many others. It is their responsibility to draft your letter as well as Letter of recommendation in a way that it gets approval in less time. 

Housing and Accommodation Aid: When parents send their children out to study there is already a huge amount of money which goes into the course fees unless there is a fees waiver or scholarship. Housing and other expenses are an important element of settling abroad for studies which can be helped by study abroad consultants who have strong connections when it comes to both on campus as well as off campus accommodation. 

Job searchers at your service: When you choose a course as a abroad student you need to find the right job once you have completed your course. Study abroad consultants help you in connecting with top companies who are hiring in your field or course you want to take up in the university of that nation.

[tiredtwstoutt]

Just got a scam call from a student loan service called United Services. When I told them they weren’t listed on the Better Business Bureau’s website, they back pedaled and got off the phone.

[stephaniewaters1212]

What is consumer education?

The consumer is the person or entity who purchases, attains or invests in a product or service. Consumer education refers to the process of a buyer learning about the products or services she is considering to attain. Learning can be as quick as reading a label or as in-depth as taking a course in a subject, such as personal finance. Consumer education is the answer to the common phrase found in the business world, “buyer beware.”

Using Available Data

Consumer education consists of two parts, having the information available and the buyer reading or learning about it. There is much information online and in books about pyramid scams and how to identify untrue promises with certain jobs, yet many people fall for old lies.

Finding Government Help

Companies are not allowed to give the consumer false information. City, state and federal agencies are tasked with ensuring business do not lie and willfully deceive. Entities such as the Federal Trade Commission and state consumer-protection agencies serve as excellent sources of information where consumers can learn about products, companies and services.

People can also use these resources to file complaints and possibly pursue legal action against companies that deceive the buyer. Many times, it is only when companies are threatened by legal action that they become truthful and other consumers can now educate themselves about the issues.

Considering the Better Business Bureau

One organization that is helpful in consumer education is the Better Business Bureau or BBB. By visiting online or calling, a person can check a company or business field and see records of consumers who filed complaints, the reason why a complaint was filed and if it was resolved.

Likewise, if you have been cheated, treated poorly or feel you have a legitimate complaint against a business, you can file your complaint, so others may learn about the company’s reputation. Since sales can be affected by a low BBB rating, many times, a company will work with you to resolve the problem.

Become an Educated Consumer

Many times, information is right at the consumer’s fingertips. Businesses often feel an educated consumer has more confidence in buying a product and re-ordering it. It is not only up to the company to provide the information, the government to regulate it, but the buyer must be willing to take time and read the information. Packaged food items sold in the United States must have a label that lists ingredients in order of their amount within the product.

Information on vitamins, calories per serving and diverse nutritional information must be clearly written on the product for people to learn about it before they buy. Any public company must detail information such as its annual revenue, assets and debt. An educated consumer is a buyer who takes time to learn before buying.

High schools often add consumer education to their curricula. This includes teaching students about credit cards, student loans, warranties, simple contracts, grocery shopping and other aspects of personal finance.

Learn Before You Buy

Proper research into a product or service means viewing the available data from a few different sources and comparing what you learn. You may enter an electronics store site to purchase a computer. Read all the details and specifications, product reviews from others who have bought it, then exit the site and look for that particular computer on a site that isn’t trying to sell you the product. Look for defects, complaints and any information about the company and other products they have sold.

A head-spinning marketplace

The consumer marketplace has become global, accessible across an array of new devices, and increasingly complicated for each new generation. Today’s young adults face an array of choices that previous generations couldn’t have even imagined.

How we help

NCL offers numerous resources for consumers to help navigate the marketplace, across many facets of our issue areas. Our LifeSmarts program is a free, national consumer literacy competition and scholarship opportunity that gives youth the skills needed to become consumer-savvy adults.

To know more visit:

Consumer Education - National Consumers LeagueNCL offers numerous resources for consumers to help navigate the marketplace, across many facets of our issue areas. Our LifeSmarts program is a free, national consumer literacy competition and scholarship opportunity that gives youth the skills needed to become consumer-savvy adults.https://nclnet.org/our-work/consumer-education/

[tahyirasavanna]

Biden-Harris Student Debt Relief Update – Protect Yourself From Scams

Biden-Harris Student Debt Relief Update – Protect Yourself From Scams

This email was sent for Americans seeking student loan debt relief who signed up for notifications about the application. As we prepare for the student debt relief application window to open later this month, the Department of Education is sharing critical information on how to protect yourself from scammers trying to take advantage of student loan borrowers. Here’s a list of Do’s and Don’ts to…

[maplesyrupbloodfeud]

just got another student loan forgiveness update email and apparently there are a ton of scams going on. i know it’s probably not surprising but here’s a quick list of gentle reminders:

don’t give anyone your fsa id or any related information

the dept of ed will never ask for fsa id information outside of their website

the dept of ed will ABSOLUTELY NOT require a specific payment related to loan forgiveness in order for you to receive those benefits

and sign up for updates directly from the source.

i know most of you already know these things but scams are getting a lot better and not everything will be as easy to tell as “email from fbi@gmail.com” or big nigerian prince energy.

[par2ival]

The Truth About Student Loan Forgiveness.

Here are the Facts

To be eligible, your annual income must have fallen below $125,000 (for individuals) or $250,000 (for married couples or heads of households)

If you received a Pell Grant in college and meet the income threshold, you will be eligible for up to $20,000 in debt cancellation.

If you received a Pell Grant in college and meet the income threshold, you will be eligible for up to $20,000 in debt cancellation.

What it doesn't tell you, is how it's being "forgiven". Debt simply doesn't just go away, someone always pays for it. Even if it is "deficit" spending, that simply means your kids, and grandchildren will pay for it later down the line.

While it may be a good bandaid, for now, we'll be in the same position in 10-20 years. President Biden lost out on a huge opportunity to fix the Student Loan System.

Here's what I would have done to fix it.

Cap interest rates at 0.

Loans that have already been paid back, interest included, will get a tax rebate of up to $20,000, that number would depend on how much each person paid back in interest.

For loans that were still being paid, the interest paid would be applied to the principal amount lowering the pay-off amount.

Loans would only be given out to students who went into tech, science, computer science, medicine, and the medical or teaching fields.

Make not going to college okay again, not everyone should or will go to college, I would implement a program pushing students to go into trade schools. They're cheaper and have a higher job placement rate.

Then audit all colleges, that take federal student loan money, to see where that money goes, and how it is spent. If funds were mishandled, then the government would take the appropriate actions, fine them, or black list them from federal loan programs.

The current version of the Student Loan Program is a scam. To scam you into indentured servitude to the government for the rest of your life. You shouldn't have to work 2-3 jobs to pay off something that is meant to better your life. Especially when most were pushed into going to college, by our parents, and by our schools, or threatened with the Social Stigma of not going to college.

[scholarshipsforcollege1]

Grants and Scholarships for College Education

When you are trying to figure out how to pay college expenses, college scholarships and grants should be your first stop. Grants and scholarships are not required to be repaid, unlike student loans. You can find billions of dollars in scholarships and grants from hundreds of thousands organizations. The key to success is to do your research early and start researching.

Grants are awarded based on financial need and, in certain cases, academic performance. The Federal Pell Grant, for example, can provide up to $4,050 for the 2006-07 school years, depending on your financial needs and the cost of attending school. The FAFSA is a free financial aid application that allows you to apply for federal grants and the Pell Grant. The Student Aid Report (SAR) is a report that your FAFSA results will show you whether you are eligible for a Pell Grant and how much. The FAFSA also controls grants such as the Supplementary Education Opportunity Grant, National SMART Grant and Academic Competitiveness Grant.

Another source of funding for education is the college MahaDBT scholarship. These scholarships don't need to be repaid. These scholarships are usually awarded to students who meet certain requirements and are often funded by private benefactors. Many scholarships are not awarded on the basis academic merit or financial need. While some scholarships are drawn randomly, others require that you meet certain criteria to improve access for specific populations, such as minorities or students in certain fields.

Millions of merit- and need-based scholarships totaling more than $10 billion are available. There are many websites listing scholarships - StudentScholarshipSearch.com currently has over $7 billion scholarships available for visitors. You can also talk to your guidance counselor at high school about local scholarships.

Research these scholarships for students early as many require you to apply and/or interview. Even though you won't be able to apply for college until after you graduate high school, you can start looking into scholarships during your sophomore year or junior year. This will help you identify possible scholarships and allow you to complete all qualification criteria. You should be as specific as you can - the more specific your search is, the less competition there will be from other applicants. This will also make it easier for you to stand out to the scholarship organization. For more details about how to search effectively, read the free Scholarship Search Secrets e-Book available at StudentScholarshipSearch.com.

You can apply for as many college scholarships and grants as you like. Every dollar of scholarship money that you earn will reduce your student loan requirements. You will need to apply for scholarships and/or take part in interviews. Before applying, ensure you are eligible. You should set aside a time each week for applying for at least two scholarships. For example, Sunday afternoons are a good time. You will have applied for more than 100 scholarships in a year.

Another important fact that is often overlooked is the importance of how much scholarship money was awarded to you. This could be a single scholarship worth $1,000 or ten scholarships each worth $100. You can apply for both large and small scholarships. The more you apply for a scholarship, the greater the competition. However, it is possible to find that smaller scholarships will increase your chances of getting money.

Be wary of scholarship scams. You should be wary of any scholarship scams that ask for personal information such as your Social Security number and date of birth. It is unlikely that any scholarship offer asking you to pay money in any amount is legitimate. Scams that require financial information, such as credit card numbers or bank account numbers, are most likely to be scams. It is very likely that you will be notified by a fraudster that you are a finalist for a scholarship. Although not always scams, scholarship search services are not of any value beyond what Google can offer. It's almost impossible to pay for them. Trust your gut instincts. If something feels suspicious, it most likely is.