UUUHHHHHHH art! My hiatus isn’t quite officially over yet (SOON™️), but I’ve been developing Torvus while I’ve been on holiday :)
Also humans??? This is the first one I’ve drawn in months and he’s Actually Okay, which is honestly pretty incredible considering I never draw them. Anyway, enjoy! Human’s name is David, the shark thing sitting down is a Duellin (have talked a bit about them before), and the creatures with wings are the Ffel, a nomadic species that use special ‘boats’ to cross the desert sands to trade with other races.
To learn more about the world of Torvus, please consider joining my Discord server! It’s free and it’s where you can reach me most easily to chat if you want :)
Accountability: None. Government can’t go out of business
💼 LOAN SERVICING CONTRACTS:
Navient, Nelnet, MOHELA: Billions in government contracts
Performance standards: Minimal oversight
Profit motive: More profitable to keep people in debt longer
Consumer protection: Virtually nonexistent
THE REGULATORY CAPTURE PLAYBOOK:
📋 STEP 1: COMPLEXITY
Make rules so complicated that only industry experts understand them
Ensure those experts work for the companies being regulated
📋 STEP 2: SELF-REGULATION
Let industry write their own rules
Government rubber-stamps whatever they submit
📋 STEP 3: ENFORCEMENT THEATER
Occasional small fines that look like punishment
Fines smaller than profits, so violations remain profitable
No criminal charges for executives
📋 STEP 4: NARRATIVE CONTROL
Blame borrowers for “irresponsible” behavior
Frame debt forgiveness as “unfair” to those who paid
Ignore systemic issues, focus on individual responsibility
REAL CONSEQUENCES OF GOVERNMENT COMPLICITY:
💀 FOR STUDENTS:
42.7 million people trapped in government-designed debt system
Average $37k debt with no escape mechanism
Lifetime of payments regardless of income or circumstances
Credit destruction for those who can’t pay
💰 FOR BANKS/SERVICERS:
Guaranteed profits from government contracts
Legal immunity from most consumer protection laws
Regulatory capture ensures friendly oversight
Political protection from meaningful reform
THE BIPARTISAN NATURE OF THE SCAM:
🔴 Republicans:
Openly support bank profits over student welfare
Block forgiveness programs as “unfair”
Push for more private lending with fewer protections
🔵 Democrats:
Talk about reform while maintaining the system
Incremental changes that don’t threaten bank profits
Focus on managing debt rather than eliminating it
Result: No matter who wins elections, the debt machine keeps running.
WHY THIS MATTERS:
This isn’t just about money - it’s about democracy itself. When corporations can buy laws that guarantee profits at public expense, we don’t have a government of the people anymore.
Next up: The specific law that made student debt impossible to escape 🔒
Your government is supposed to protect you from predatory lenders, not partner with them. ⚖️
These savvy individuals can not only tell you that the best way to consolidate your loan, they can also help you pay your debt. There are some universities and colleges around the world that offer assistance in paying professional education. Consolidation loans for private school can be used for Read more at http://www.live-arch.net/business-loan-calculator/
IBR stands for Income Based Repayment. If you took out student loans to attend school, and your loans aren't in default, you can sign up and get your monthly payments drastically reduced, Look into it; it's worth it. My payments have been significantly reduced to the point where they're no longer a burden.
IBR can help you if:
You have federal student loans in either the Direct or Guaranteed (FFEL)Loan program.
Your loans include Stafford, Grad Plus, and federal Consolidation loans that do not include Parent PLUS loans. Perkins loans are eligible if you consolidate them into a federal Guaranteed (FFEL) or Direct loan.
You borrowed before or after IBR was created, for either graduate or undergraduate study.
Your debt-to-income ratio qualifies you for reduced payments. Use our calculator to check if you might meet this test.
IBR is not available for:
PLUS loans made to parents, or Consolidation loans that include Parent PLUS loans.
Private (or "alternative") student loans, state loans, and other loans not guaranteed by the federal government.
Several examples of borrowers eligible for IBR are available from the Project on Student Debt. These can be helpful in understanding how IBR works.
