🌳✌🏾️#art #prismacolor #casso
Monterey Bay Aquarium

JVL
Sade Olutola
Alisa U Zemlji Chuda

⁂

#extradirty
Xuebing Du

tannertan36

Product Placement
wallacepolsom
art blog(derogatory)

祝日 / Permanent Vacation
Mike Driver
d e v o n
Aqua Utopia|海の底で記憶を紡ぐ

Kaledo Art
noise dept.

No title available
Cosimo Galluzzi
h
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@spreadartnotwar-blog
🌳✌🏾️#art #prismacolor #casso
✊🏽✊🏾✊🏿✊🏾✊🏽...#mlnn #art #prismacolor #damnnnndaniel
👻:@nupe_lowrey ...W.i.P🌳#art #bonsai #abstract #casso #snapchat
Last progress pic,weird angle🤔 gotta go handle business... @ladydork #art #casso #bonsai #abstract #yoga #yogisofinstagram
Last progress pic,weird angle🤔 gotta go handle business... @ladydork #art #casso #bonsai #abstract #yoga #yogisofinstagram
Warm-up
🤔catch my drift... Too much pain and hate in the world..😤
🌳🌺🙇🏽...#art #prismacolor #bonsai #casso#progress
🤔catch my drift... Too much pain and hate in the world..😤
My goal in life is to make a nigga feel the way Terrance Howard was feeling when Beyonce was giving him a lap dance
SAME.
NEW GOAL
I’M TRYNA HAVE A NIGGA QUESTIONING HIS WHOLE LIFE EXISTENCE LIKE NICKI HAD DRAKE AFTER SHE GAVE HIM A LAPDANCE
okay
but did we forget
that time janet jackson
was basically trying to give this nigga cummies
on stage
did we?
My new favorite tumblr post.
But who tryna be Janet for me? I mean……
…..soooo me??
Janet..just ...damn ..just ...damn Janet
This is where home is for me..This is the first memory I hold of me as a child... that field used to seem acres wide ...my mother brought me here and I was raised by her and my family...anytime I cross the threshold into either house It's nostalgic and love is felt ...just a moment that I wanted to share with my followers and ppl that know me...this is where I come from ..my mother worked hard and still is working to get me to where she, my sister, and I am currently ...and I look only to further her progress...I refuse to rest until she doesn't have to lift a finger ....I pray for growth and continued success for me and my family ..I pray for an impenetrable barrier around my loved ones and any they come in contact with ...I say this with a whole heart hoping and knowing that each word is heard by the Lord .. Thank you for reading if you did and I hope he blesses you continually ...😤😌✌🏾️be with you
Cloaked by skin
As I sit alone In a crowd full of ppl I ponder if they see me... Am I truly visible? I know they see this shell that I’m in, but who has the power to see who’s within? To see past the hue on my skin and the everlasting first impression. To delve deep and see the soul that’s hidden... Can you feel me? Do you feel the vibration I’m sending? Or is it blending in with this cloak of skin?
Thick woman 🔑🙃
being ugly in high school makes u a better person
Never don’t reblog.
This has been my favorite thing since day one
too funny 😩
So your SCHOOL LOANS are in DEFAULT and you are too scared to do anything about it
ON GOVERNMENT LOANS:
Things have changed.
When you call your loan servicer, they won’t treat you like shit anymore. They won’t threaten you or harass you or insist you pay half your paycheck to get out of default. Here is what I’ve experienced while dealing with defaulted government loans.
1. Find out who owns all your debts right now. It may be early enough that your most recent loan servicer could still be the owner. If it’s been over a few months, or years, it will be a collections agency or several agencies. Check your snail mail. Their policies usually dictate that they send paper mail. Once you find the collections agency, ask for “proof of debt.” By law, they must provide you proof that they own your debts so they can’t scam you.
2. Once you establish that this agency owns your debt, tell them that you can’t afford much but would like to “rehabilitate your loans.” This means you will make a payment for 9 consecutive months. The agency, by law, must use a government formula to figure out how much you pay each month. If you make around 40K, you will be asked to pay somewhere around $100-150/month. If you are unemployed, you can rehab for as little as $5 a month. Ask them to autodebit so you don’t accidentally miss a payment. If you miss one, your 9 months starts over.
3. Once you finish your 9 months, call the collections agency to make sure they won’t autodebit anymore. They will hand your debt back over to the loan servicer you worked with before they got the loan. Most likely, you have Great Lakes, Nelnet, Navient (formerly known as Sallie Mae), or one of these loan servicers. Then go to this studentloans.gov website and make an FSA ID and PW.
4. Begin a consolidation through the student loans website. The consolidation form will ask you to write in every loan. It might be on the website already, but check this NSLDS.gov site to be sure. This website has an up-to-date account of all your outstanding loans. Consolidating is a tedious and boring process. Make sure you have a few hours free to do this.
5. When you consolidate, the form requires you to fill out a payment plan. You want an IBR plan, or Income Based Repayment Plan. This plan will allow you to make minimal payments according to your income for 20-25 years. Then, the government will forgive your loan. Consider it 25-year mortgage for your college education. Also, the IBR will re-evaluate your income every year in order to adjust the monthly payment. If you lose your job, your monthly payment will reduce dramatically, and if you find a better paying job, you may have to pay a bit more.
6. Also while consolidating, you must choose which loan servicers you’d like to work with. I work with Nelnet. Nelnet was difficult to work with for years, like not allowing you to email in documents–only mail or fax. You can email scanned documents to them now. Remember, you can download free scanning apps to use with your smartphone camera. Remember to keep a log of every time you call, whom you talked to, and what you talked about. This is an important lesson I learned while calling companies for my immigrant parents. Anyway, because of government regulation, they are actually nice to you and available 24/7.They can’t pull their bullshit anymore because they use government calculations. I’m sure it’s the same with all the other loan servicers. As I said before, I work with Nelnet, but it really doesn’t matter which one you choose.
7. When you finish with consolidation, wait a few days and call your loan servicer. Ask them if they’ve received the request for consolidation. Then, check in with them every week for the next six weeks to hear the status of the consolidation. They are not good about emailing you updates, i.e. never. I did my consolidation wrong the first time, and they just rejected it and never notified me. I found out when I made my weekly Monday night call. Had to fill out the damn form all over again. It’s finally been accepted.
8. They will then set up you up with an IBR plan. Your payments will most likely be the same as what you payed the collection agency because they’re using the same government calculator. Autodebit those payments.
This is all I know so far. This is far better than defaulting and having the government garnish your wages. And once you begin the IBR plan, there is an end in sight!
—
ON PRIVATE LOANS:
I don’t know much about these, but I know private is much harder to deal with.
1. It’s not great to default with these loans either. Defaulting and declaring bankruptcy does NOT absolve you from the loan. Your wages can still be garnished if the collections agency sues you and wins.
2. If you make regular payments, the loan servicer will not settle your debt with you. Because they’d rather have your interest payments. If you default in order to settle with the collections agency who buys your debt, you’d better have enough cash to pay them off in one lump sum. They will bargain with you to get you to pay between 50-60% of your loan. If you own 100K, do you have 60K in disposable income? If so, you shouldn’t ruin your credit!
3. You can now refinance your loans! Due to new legislation (I think it’s Elizabeth Warren’s doing), you are allowed to consolidate all your private loans under one bank and get a lower, fixed interest rate. I’m willing to bet your interest rates are at 8% or higher. You can consolidate all these to under 5%, or even as low as 2%–the better your credit, the better your rate. I would consider perhaps working with the credit unions instead of a bank.
—
I hope this helps you. If you have any questions, please send me a message and I’ll do my best to help you figure it out.
thanks, Praise.
We’re most of us working people with little to no extra income. Purposefully defaulting on your loans only works if you can settle. Don’t listen to bourgeois debtors praising purposeful default as some sort of useful and progressive direct action. You will end up with garnished wages. The stories Praise and I hear are always the same.
It doesn’t make you less radical or something to fill out this shit paperwork and receive a long term IBR plan. The payments for us are low. We’ll never pay off the majority of our loans before they’re forgiven. I don’t do it because of some ridiculous principle. I do it because it’s better than having my wages garnished.
If you need further help, I know Praise will answer your asks. She’s kind of become an expert on this process. Send her a message. She’s super cool.
Timely
Spread Love... #artislove #prismacolor