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How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable.  There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government.  They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments. 

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans.  Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae.  When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan.  Which also means that these lenders make up their own rules when issuing loan and collecting on them.  They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

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TOSS IT!!! ~ Majestiquely CLEAN!

Let’s face it… we live in an extremely fast paced world… some call it a “microwave society”. We don’t always get to follow through on the little things that clear the way for good energy and relaxation! So… I’ve compiled a list of a few QUICK tasks that will help clear your environment and in the process rejuvenate your space and energy!!! I’ve tried them and I must say it works!

1- Clear ALL clutter and junk from your home. This is hard for pack rats!!! BUT… simple rule, if you haven’t used it by the time you found it again… then you won’t need it anytime soon. Toss it! Don’t fool yourself by saying.. “oh, I can sell this on Ebay”. NOT gonna happen. Most of the time if you’re a pack rat, then you’re a procrastinator also. TOSS IT! This goes for your cars, purses, pockets, etc. (no gum wrappers, receipts, loose business cards or flyers) The entry way to your home, under your bed and behind your doors should be free of clutter.
2- Get rid of unwanted gifts and presents. YES, it’s alright to toss those too. I admit I feel bad about throwing out gifts, but if you’re not using them, and they are taking up space, TOSS IT! Besides, your close family and friends know what you like, and will be around to see you enjoy it.
3- ONLY keep photos that remind you of GOOD THINGS & TIMES!!! Toss (or burn) old photos of ex’s, old friends whom with your not so friendly anymore or anything else that brings bad energy or memories! TOSS IT! Put loose photographs in frames, photo albums or a photo box or… do what I do.. use them as postcards!
4- RESOLVE OLD ISSUES! Get rid of flakey friends, lovers and all people who do not have your best interest at heart. This can be hard.. but boy oh boy is it liberating and it feels GREAT! Get rid of old bills… keeping the current one so you can PAY IT! Read your mail OVER your trash can and eliminate junk mail.
5- PRAY & Meditate daily!!! A lot of us “hit the ground running”… and we don’t carve out that time to connect with God. Although we all should be walking in prayer constantly many of us fall short.. BUT.. it will help if you begin starting your day with a period of prayer and meditation. I do this as soon as I open my eyes. It’s a beautiful way to start your day… and a beautiful way to end the day.

Now, don’t try to get this all done in one day… it way take a few weekends to achieve, but once you start to purge and clean your environment, you will notice a different energy surrounding you and your family. Life will not seem as “hurried” and you will ultimately feel more relaxed in your castle. Blessings!!!

by. C. Little~ Majestique Events & Gifts, Inc. 2000

www.ByMajestique.com

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Clean House

Anyone who knows me knows that I am not the most organized person on the planet. Well, in an effort to rid myself of mounds of paperwork and make room for more paperwork I really need, I asked a friend to give me a file cabinet and got to work cleaning house. I was amazed at some of the "stuff" I was hoarding. I still had all my receipts for the bursar's office at the University of Memphis. Mind you I graduated in 1999! I found three love letters I wrote to my ex-boyfriend back in the late 90’s. I WAS SO RIDICULOUSLY SPRUNG! I had poems I forgot I had written, scripts I wrote during my time as a writer for the Tom Joyner Morning Show, notes from various classes I had taken and a bunch of other "stuff" I won't name. Most of it I didn't want nor did I need. As I delved through the files of my life I realized three things:1) I had done a lot of things I had forgotten about.2) I need an excellent, super strength shredder.3) I need to clean house more regularly.Let's go with that and use it as a metaphor for life. Remember to clean house emotionally, mentally and physically on a regular basis. We all have emotional baggage and things we have neglected to discard but when that baggage weighs us down, prevents us from moving forward or takes up so much room we can't add to our lives, there's a problem. Is anything holding you back? Are you still in love with someone you used to date back in the day? He’s probably moved on and married and here you are pining away about what might have been. Do you have a closet full of clothes that don't fit anymore and you're telling people about how fine you used to be? (Lose the weight or donate them to Goodwill) Are you mad because someone got the promotion you felt you deserved? Are you still crying inside because your father wasn't there? Are you still bitter because someone broke your heart or had sex with you and acted like you didn't matter afterward. Now, all men are dogs and the woman he is with is an unattractive, gold digging ho. Are you still beating yourself up because of a bad decision you made that you can't fix? I am not without sympathy because I’ve been there. Although, your pain may be completely legitimate you should want to stop hurting. Letting go isn't always easy but enduring the pain in order to reach the breakthrough is usually worth it. It’s not healthy to wallow in sorrow, anger or regret.Love yourself enough to forgive the person that hurt you and then let it all go. Will yourself to heal yourself. You cannot thrive and live out the wonderful life God has planned for you in a cluttered, emotionally toxic environment. Do yourself a HUGE favor and clean house! Keep the precious memories and throw the rest out. If you need therapy don’t be too proud to get it. Do what you have to do to be emotionally, mentally and physically healthy. Happiness is a wonderful place to reside. Put those bags down girl and give your arms a rest.In case no one has told you lately my sisters….you are beautiful!This blog and others can be found at www.imagoodwoman.com.
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