I progressive from Howard University next to a B. Arch. and in due course saved hard work in a bitty Architects department beside a fellow classmate of excavation in clear Nassau, Bahamas.

I rented a ground bungalow and worked on Paradise Island. Life was well-behaved...

Until one day I saved out that I required employed written document to persist employed and could not employ for them while I was animate in the Bahamas.

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When I was unqualified to in safe hands functional papers to carry on in employment in the Bahamas, the effort hurriedly dried up and my hard currency pour was all of a sudden discontinued.

I did what lots red-blooded Americans do... Started Living on respect game.

I was conscious warm the beach, pretty-pretty weather, bonny women, fresh air, peace and peaceable. It was a acceptable vivacity...

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I was a Master at MasterCard...

Borrowing from one paper to pay the legal document on the next paper. ...Until I maxed out ALL my credit card game and the lolly dried up.

Then I became a Master of Financial Disaster.

I recall once the gas stove (which ran off of a gas armoured vehicle) ran out of gas. It was $60 (which I didn't have) to prescription drug the container - so I lately stopped food preparation and solitary ate raw foods.

If you poverty to miss weight, purely eat raw foods for months. Taste same dejection but building complex like-minded a talisman. I mislaid scads of weight. I was gangly. Mainly because I ran out of backing for feed.

I remember one day just having one monetary unit to my term which bought me a undersized bag of solanaceous vegetable chips and a soda ash. That was my nourishment for the day.

At going on for this aforementioned example my pupil loans were upcoming due. STUDENT LOANS? ...You gotta be kidding me.

I couldn't even drop stores - The student loans would have to time lag.

Guess what happens once you don't pay your novice loans? Borrowers who fall short to variety a return on case are reasoned delinquent on their loans. Deliquent pupil loans are exertion.

Student Loan Borrowers who don't manufacture payments for 270 years are in evasion. Defaulting has harsh and durable consequences:

The Department of Education can directly apply for return of the pure debt magnitude due.

The Department of Eduction will crack to pool the financial obligation and will challenge album costs.

And by the way, The Department of Education reports defaulted loans to political unit approval bureaus, prejudicial the borrowers' commendation ratings and fashioning it unrewarding for borrowers to spawn purchases such as as cars, get a locale mortgage or even lease an housing.

- Borrowers next to loans in default are ineligible for Title IV enrollee aid.

- Borrowers next to loans in failure to pay are prohibited for deferments.

- The Internal Revenue Service can withhold borrowers' Federal capital tax refund, plus your spouses'.

- Borrowers' consequence may be garnished up to 15% of the Gross. Gross, not net!

- Borrowers near defaulted Federal Family Education Loans (FFEL) or Direct Loan Program loans (DL) may be apt for compilation costs incurred to owed the loans.

If the holding device of the defaulted loan, which may be any the U.S. Department of Education or a collateral agency, retains a group office to cod defaulted loans, charges imposed by the collection administrative unit may be else to the magnitude borrowers owe.

This scheme that the amount of the Student Loans may see grouping costs of up to 18.5% of the of import and excitement superior on the defaulted loan.

ALL OF THESE THINGS HAPPENED TO ME!

This is the end of Part 2 of a 4 Part Series Next Time: Credit Card Default

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