Posts Tagged ‘trade’

Why I don’t like Sallie Mae

Well, for the obvious reasons. They are oppressive and there seems to be no end in sight for their billing tactics. We all know that recently a lawsuit was filed against Sallie Mae, SLM and subsidiaries for violating federal law. One of the options for damages is to have your student loan balance reduced instead of receiving an actual monetary award. Let’s see all of the billions of dollars in student debt, billions of consumers/students’ whose privacy rights were violated, attorney fees, court costs. I think each student will have a calculable $100 (that’s being generous) deduction.

Anyway, I was behind on the private student loans of which I have two (2). Scrimping and sacrificing to make my account current. For some reason most of the customer service representatives are vindictive women who hate their lives and take joy in making you deal with them. The other day I set up an auto payment and made a sigh of relief. This rude and cantankerous woman chuckled, literally in my ear and said even with these payments you are [this amount of time] behind. She actually had joy that I was still a little late on the most current payment. These people are sick and I’m sure they train their staff to the lowest customer service representative to the CEO that student borrowers are commodities which can be bundled (consolidated), traded (sold) and mocked. I say do whatever you can to pay off any private loans you have and let them see a grand reduction in student loan debt. Let these customer service representatives lose their jobs and see how it feels to struggle with barely anything to try to do the right thing while this corporate monstrosity makes a mockery of your effort. That my dear, will be karma.

A Short Conversation at a Cafe on Legal Education: International Style

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O.k., first, why in this metro area you will hear conversations about lawyers or law school (I know it’s concentrated with law schools but must we talk about it?) Anyway, a couple of weeks ago I was in line at a Chipotle and heard one woman speaking to another about presumable a mutual friend. Mind you they looked like they were 45+ years and I heard “she’s an executive” of something and some company oh and she’s a lawyer too, but she doesn’t practice. Oh, I’m shocked.

Today, I found a quaint cafe and decided to satisfy my sweet tooth. The cashier happened to be from Korea and since it was slow business (I was the only one in there) I decided to talk about the economy briefly when asked oh so what’s your field? The cashier was still in college but was explaining the difference between going to law school in Korea versus America. First, she said, their undergraduate degree is the law degree, I initially misunderstood and stated “pre-law” and then I figured it was a system similar to the solicitor-barrister track after LLB in England. They have to apprentice and practice in order to qualify for the exam from what I understood. The cashier stated that after that level degree they take a test then choose to be a judge or lawyer. That’s it. The cashier stated that here it’s all about getting a license, that the cashier’s friends who have licenses that’s all it is because they don’t have jobs and they don’t practice law. Nail on the head.

Reading the cashier’s face, there was a look of frustration regarding the U.S. system, like you have to go to higher education for seven years, take the bar, clerk or work a certain number of years then these tiers of associate, senior associate, qualifiers for masters, judges, administrative judges, etc. The cashier changed majors after learning about the U.S. system and it didn’t take a blog to do it.

p.s.: I did ask about student loans and the cashier stated they have it but not like in the U.S. and they don’t have to pay for everything in their higher education, in some ways you don’t here due to scholarships and grants, but you will always pay when it comes to law school.