Author |
Topic Search Topic Options
|
polyhymnia61
Member
Joined: 10/January/2003
Location: Netherlands
Points: 915
|
Post Options
Thanks(0)
Quote Reply
Posted: 21/February/2004 at 6:24pm |
*innocent face*
Who...me? Nudge?
|
Home is where you are allowed to prosper.
|
|
Sponsored Links
|
|
|
Trixie B
Newbie
Joined: 11/October/2003
Location: Canada
Points: 19
|
Post Options
Thanks(0)
Quote Reply
Posted: 21/February/2004 at 9:33pm |
been there,
I feel for you. Who wouldn't feel mentally exhausted after all you've been through!
I had my own chain of events occur last year. Relationship broke up, father died, did net worth statement saw I was negative $70,000, found out i owed on my taxes, cried so hard right in that H&R Block, i had snot running down my face, then got notice that I owed money on a student loan I didn't even know I had and had to pay in full in ten days or else!
Some people i work with encouraged me to go on antidepressants and they still do. I think they are uncomfortable with my grief. The antidepressant are for them, not for me.I am by nature an "emotional" person, I get touched easily, and am affected by other peoples pain. Since my father died those emotions are right as the surface so it doesn't take much.
I've noticed that certain emotions like anger and rage are ok to express in my work environment, but god forbid you get water in your eyes then you are mentally unstable.
When it comes to taking an antidepressant, ask yourself who it is for, and if it is the best road to take.
Feeling hopeless, fearful,and depressed are normal reactions to the crap that most of us have been through. Life is hard enough with it's inevitable losses and traumas a long the way without all the student loan stuff.
|
|
polyhymnia61
Member
Joined: 10/January/2003
Location: Netherlands
Points: 915
|
Post Options
Thanks(0)
Quote Reply
Posted: 22/February/2004 at 4:52am |
Trixie B: So true...everything you say. I hope things have stabilized for you somewhat -- and that you stay true to yourself!
I have one question...Who told you to pay your student loan in 10 days "or else?" Nobody can tell you that!! Johnny can vouch for that.
|
Home is where you are allowed to prosper.
|
|
Trixie B
Newbie
Joined: 11/October/2003
Location: Canada
Points: 19
|
Post Options
Thanks(0)
Quote Reply
Posted: 22/February/2004 at 7:25pm |
Poly: yes things have stabilized somewhat. The biggest thing is that due to some retrospective money I got from work I was able to get out of the city I was living and move back to the city where i was previously happy.
The money would have made only the smallest dent in my student loan debt, but is making a huge difference in terms of financing my move and having a little paint to put on the walls.
Johnny's advice to "live first" although it took months to sink in helped a lot. So that's what I am trying to do.
The loan in question was a BC Student Direct Loan since i had moved several times and did not know the existence of this loan it took them two years to track me down. I received one letter in which it informed me of the amount and how long I had to pay. The second letter contained a bunch of legalese I hardly understood. They put a garhishee on my taxes. I had a reassessment done and they took it before I was notified. When I phoned and spoke to them they told me they would garnishee my bank account (amount of loan $3,300) and I told them go ahead, they wouldn't get all of it in one go and then my payments would bounce, I wouldn't have money to pay my rent, my car would be repossed, etc. etc. I wouldn't be able to work and then they'd get nothing. Then the lady agreed to accept a monthly payment.
This website has made a huge difference it teaching us the rules of the game when it comes to collection of student loans.
|
|
spacemonkeyham
Newbie
Joined: 13/March/2004
Location: Canada
Points: 4
|
Post Options
Thanks(0)
Quote Reply
Posted: 13/March/2004 at 2:23pm |
yes i believe i have gone crazy...over the six years it took me to complete my BA, i developed several forms of anxiety disorder, major depression, gained 80 lbs, and have completely withdrawn from everything i've enjoyed. i have had to take several stress leaves from work over the last couple of years which have just increased the debt i'm already in, which is $80,000.00 by the way (2/3 of it is student loans). the irony is that i work in Community Mental Health! i am trying to help others with their problems, and i can't even manage my own. i am taking medications for depression, anxiety, insomnia, and panic attacks. what the hell am i doing with my life! i feel like i'm slowly drowning and going under is beginning to look pretty good these days. i am so unhappy and no matter how hard i've tried, i can't seem to find a way out of this...i have screwed up my life beyond repair i think. I wanted to go to grad school (counselling psycholgy) so that i at least will have an opportunity to make enough money to pay back the thousands of dollars i owe (and stave off the wolves for a few more years). but now i can't really see the point in that either- it will just get me further and further into debt, and i won't be able to live off student loans. why bother.
|
|
diana
Groupie
Joined: 21/February/2004
Location: Canada
Points: 43
|
Post Options
Thanks(0)
Quote Reply
Posted: 16/March/2004 at 3:50pm |
The stress on mental health is so unnecessary. It does not have to be this way. Every time the phone rings or I see mail in the mailbox. It is so life consuming. And it is so wrong.
One thing is clear. If you have student loans, you graduate, you get a great job and you pay them back you are in a different class. If you have the same student loans and experience hardship in life, you are catapulted into a nightmare that you can't wake up from. This is what HRDC needs to look at. Individual cases, one by one. Our government needs to realize these loans were not for fun as someone said earlier. They were an investment in education and through no ones fault, the investment did not work out as planned. That is not to say that tomorrow things will change. If I get through today, I am ready for tomorrow.
|
diana
|
|
Casey
Groupie
Joined: 28/October/2003
Location: Canada
Points: 143
|
Post Options
Thanks(0)
Quote Reply
Posted: 17/March/2004 at 1:17am |
We just have to live "one day at a time"
This is a big boat with lots of us on the same trip!
So sad that the government takes such great pleasure at making our sad lives much more difficult. How can you respect anyone who sends their dog (collectors) after a sick person..
We must not give in, there is still hope! Websites like this are getting the message out. The Canadian government can not go on behaving the way they do without being accountable for their actions. The truth will getting out, they will have to deal with the situation some day!
Casey . . .
|
|
diana
Groupie
Joined: 21/February/2004
Location: Canada
Points: 43
|
Post Options
Thanks(0)
Quote Reply
Posted: 17/March/2004 at 9:00am |
I believe that bad things happen to good people. Dirtydebt and debtfree have just been lucky so far.
|
diana
|
|
Kristian
Groupie
Joined: 18/February/2004
Location: Canada
Points: 43
|
Post Options
Thanks(0)
Quote Reply
Posted: 17/March/2004 at 9:12am |
I wonder if good people can happen to bad things...
Would the result be any different?
|
|