however she is a breakable diabetic with no health insurance in the past and has accumulated medical bills which she cannot pay and therefore has bad credit. i am pleased to cosign for her to consolidate her loans which amounts to approximately $200,000.
cough, puff, cough, I certainly hope she is a doctor or lawyer right now.
If I cannot pay this accommodation what can the collections agency do to me. The loan has been charged off with the original creditor
Your wages and/or acreage can be attached.
Squawk #1 (Office of Inspector Panoramic / Department of Education) "Anyone suspecting flimflam, waste or abuse involving Conditional on of ...
As someone who has taught expensive school and has had to deal with too many standardized tests, I can say a couple things (I haven’t looked at the definite tests here yet). (1) There are often poorly worded or confusing items on such tests, very the more subjective “choose the BEST answer” questions on reading comprehension. (2) The standardization often leads to a small pool of question types, allowing teachers to find ways to teach have doubts types without actually teaching understanding of the underlying concepts.
And for those who think algebra and higher open math teaches critical thinking beyond math, that’s probably not literal in the vast majority of schools in this country. (I speak as a teacher who has designed math courses to fit state guidelines.) Learning algorithms and procedures to move x and y around is useless for depreciative thinking; you might as well have kids memorize the steps to bake a cake or something. Those “huddle problems” or “story problems” that are so loathed by teachers are the only id worthwhile in most math textbooks at the high school
Wow Rick is going to get a lot of tomatoes thrown his way on this one! I sort of get where he is coming from so I think I’ll argue in his favor. The general points I admit with: Our national testing system needs to be improved. There does need to be more focus on skills that students will literally use but don’t completely cutout subjects. Just allow each student to choose more of their own orbit of skills. (This is being done somewhat already with Applied Technology Centers but I think needs to have more heart from administration and as a concept needs to be used at a younger stage) To further argue in the representative of Rick: I think in general we need to teach things in the same way they were learned in the first pinpoint. Math took generations and generations to develop and came about because of complex benefactor needs (purpose). When you teach something so abstract at such a young age it makes no “judgement” (why do I need this?) which is really the hardest thing about math. Don’t take precise concepts (Pythagorean theorem etc.) that brilliant mathematicians have come up with by sitting in a authority and thinking only about math for most of their lives and then hand them to a 15 year old expecting them to catch on to it’s significance. We think, “Oh we can just take all this knowledge we’ve accomplished as a species and dump it into our children’s heads and they’ll have an advantage!”. Facts has to be supplied in context to a child’s current level of understanding. Inflexible application of knowledge is better than spraying gobs of knowledge and topics all over the regard and just hoping some of it sticks to our children’s brains.
-25 year old college grad from SC (one of the worst conspicuous education states, so I apologize for any incomplete thoughts! hah)
*I think Csilla’s exposition above mine speaks my point more succinctly.
I believe the main problem is that our school system has not evolved along with the density of knowledge we now require of children. In truth, from my non-educator point of projection, very little seems to have changed between how I was taught in school and how my children are currently being taught. Yet the amount of appreciation they need to have seems to have increased a bit. If we postulate this backwards in time, our “newfangled” academic system, which might have been largely unchanged in the last 50 to 80 years, has to be skilful to teach many additional facts/processes than before.
However, that doesn’t mean that the knew acquaintance we require of children is irrelevant. Moreover, the Pythagorean theorem, which as been around for hundreds of years, is surely in the “must have” category of things a child should learn. That the satisfying of the sides equals the square of the hypotenuse might seem like a mouthful, but it is the mathematical resistant that cutting through the gas station is shorter than going around it while walking to the bookstore.
What we need is to butter up in our children the sense of curiosity of why things work and how to figure things out. Without a strong grasp of the sciences and math, you can’t have that. And to temper that knowledge, the children be in want of to learn of the mistakes and accomplishments of the past through learning history, as well as appreciate the most excellently in humanity, which is what the arts and literature instill. The curricula might be larger today than before, but in my be aware, we should add even more.
Goodness has Mr. Roach left me depressed. As a recent transplant to Orange County, Florida, I’m terrified of what educators hunger for to do with their current educational system. As others have noted, the questions in the sample were trivial – reading was plain (if you knew the vocabulary) and the math portion was very simple – only required the schooling of a couple of facts regarding triangles and parallel lines, and the ability to “guesstimate” on the popular preserve question. A couple of questions literally had the solution in the proposition beyond the shadow of a doubt itself.
Where can I begin…for starters, it is a patently simplistic idea that one should take classes that “interest” them. The consider of primary and secondary education is to give every person a baseline of knowledge, not to start guiding them towards their chosen vocation. What does a freshman, sophomore, junior, or even senior know about what they beyond the shadow of a doubt want to pursue as a career? Relatively few have a chosen field in grey matter while attending high school, and even among these select few, the likelihood that they will pursue other career paths as they hoard education is high.
The role of the educator, therefore, is to provide the student with the best toolbox they can, so that they may outpace in whatever field they choose to follow. Must every student learn Calculus in high approach? No, but it would fantastic if they did (and, sorry Mr. Roach, there wasn’t a single cast doubt remotely close to Calculus among the 7 questions provided). Should every high manner student have a solid appreciation of art, history, and English? Again, a resounding yes, although it is not necessary. I will contribution that there might be a tiny portion of the student body that truly cannot learn, but these students should be a topic of their own. The artistic majority of students can and do learn when their parents are involved, their teachers are passionate, and the administrators commission thoughtful, well-organized planning.
I know that as a group, the listeners of this program have more learning than the average person, but it is scary to think that we outpace Mr. Roach by such a large brink…
On testing, if one were to study, and comprehend, in there classes, those questions on the math while not one that one like me, being 59 years of age, they could be unquestionably passed by the student that I was at that age. Going back to look at the answers there is no doubt in my mind that those skills are being taught.
Th wording skills test show that the student you used as an example is not reading to their utmost critical facility for in presented no problem, to me, whatsoever.
I realize that some people are not test takers, but that is where I excelled; still do excell, in my most late-model college courses of 5 years ago.
I do believe that school time should not be spent teaching for a valid test, but from my perspective, even though square roots are not something we find over a 30 year working employment, there is little doubt in my mind, that the student who is working and grasping the principles being taught, that the prove that I took can be easily mastered. Fifthstreetkck@hotmail.com James M. Kilpatrick KCK
I was appalled the Mr. Roach suggests de-emphasizing math in the noted school curriculum. You (Ms. Young) were right to assert that math builds analytical pensive, but there’s more to it than that. Top students should be learning beginning calculus by 12th grade, as the dreaded binomial conjecture is one way that calculus is proved;– it’s not enough for a student to simply know that such a thing exists, but information takes on a deaper and richer meaning if the student knows WHY the thing exists.
Further, the professions that have occasion for use algebra are legion: Engineers; architects; financiers; loan officers (involved interest is computed by the calculus of the natural exponent — meaning the more you pay off a loan, the less interest you pay — so I’d certainly would like my banker too identify about that!); NASCAR, Indie and Formula One mechanics might not do calculus every week, but they’re joyful it’s there if they need it; pilots and sailors use trigonometry every time they take off (even a small airliner pilot needs the Law of Sines to compute his cross country vector against ear-splitting winds aloft); and those electrical line crews must be able to handle complex army arithmetic (remember y = a + bi — there’s a reason for it! It’s even cast-off to analyse auto suspension systems and radio transmittors.)
If a student hasn’t at least an obligation of algebra by the time s/he graduates high school, we’re slapping a literal barrier over their heads (excuse the twisted grammar), preventing them from even the possibilities of a well-advised b wealthier, more improved livlihood.
P.S. I haven’t taken this site’s representative math test yet, but I’ll get back to you after I do. I used to teach those future exciting line workers complex arithmetic, as the power complanies simply wouldn’t enlist them if they didn’t know it. And they failed to take it in H.S.
|
|
Congressional Record, V. 153, Pt. 2, January 18, 2007 to February 1, 2007 This, however, is knotty to accomplish as my student loan payments take ... giving me the brazenness and peace of mind to focus [on] my daughter at evensong. ... |
|
1568 pages |
Congressional Record, V. 153, Pt. 1, January 4, 2007 to January 17, 2007 For case, nearly 32 percent of graduates pursuing teaching careers can't give up to repay their student loans on a starting teacher's remuneration. ... |
|
296 pages |
Indianapolis Monthly I was expert to take care of my daughter and even have some shopping money pink over. .... student loans how she celebrated last raise Helped son pay for his ... |
Health-care reform’s have-nots
U.S. Census Bureau data indicate that 7.2 million adults earning less than twice the federal poverty level – about $21,000 for an individual and $44,000 for a family of four – would make too much to qualify for the expanded Medicaid envisioned by the Senate. People without insurance or who can’t afford their employer’s insurance, if they earn up to $43,000 individually or $88,000 as a family, would receive sliding-scale federal subsidies to help pay for private insurance, which everyone is required to buy. Well, almost everyone. If your premiums, even with federal assistance, equals 8% of your income, you could get a “hardship” exemption. (The exemption is for premiums only, not for co-pays or other charges.) Who could receive the “hardship” exemption and earn this privilege of remaining without healthcare?
Philadelphia Inquirer, January 4, 2010
Health-care have-nots
Reforms in the pipeline would leave millions of Americans in a bind, given too little government help to buy insurance.
By Rick Schmitt
Michael Rhoads seems just the sort of person who would benefit from health-care reform.
He and his wife, working parents of two children in Southwest Philadelphia, lack health insurance. They earn too much to qualify for Medicaid and too little, they say, to afford private coverage.
Congress is seeking to bridge that gap. But Rhoads says the likely cost of the solution would still be beyond his family’s budget.
“Health care for everyone – that sounds wonderful,” says Rhoads, 35, who works part time as an outreach coordinator for a community health clinic. “In reality, when it comes down to it, it is another big bill that just doesn’t fit.”
Millions of people who are among the intended beneficiaries of health-care reform may face the same dilemma. Many might have to choose between insurance and necessities like rent and food, says Richard Curtis, president of the Institute for Health Policy Solutions in Washington.
“These are not people with discretionary income,” says Curtis. “Asking them to pay any substantial share . . . I worry about that.”
To be sure, millions of vulnerable Americans will get a safety net if the legislation now headed to a House-Senate conference committee becomes law. Both chambers propose raising the income limits for Medicaid and including adults without children for the first time.
Those moves alone would add an estimated 9.5 million childless adults to the state-federal insurance program for the poor under the Senate version. But a big chunk of the uninsured population would just miss the cut.
To illustrate how health reform might affect them, Georgetown University’s Center for Children and Families assessed the prospects for several Philadelphia-area families, including the Rhoadses.
The center, a nonpartisan policy and research organization that is dedicated to improving health coverage for families, used their current earnings and insurance status. Its findings are based on the bill that passed the Senate on Christmas Eve; most political analysts consider it the likely blueprint for any final health legislation that Congress approves.
U.S. Census Bureau data indicate that 7.2 million adults earning less than twice the federal poverty level – about $21,000 for an individual and $44,000 for a family of four – would make too much to qualify for the expanded Medicaid envisioned by the Senate. People earning up to four times the poverty level – about $43,000 for an individual and $88,000 for a family of four – would receive federal subsidies, on a sliding scale based on income, to help them buy policies on a series of “exchanges.”
The exchanges – private marketplaces regulated by the government – would be set up to offer coverage to people who have no insurance or who cannot afford insurance through their workplace. Some small businesses would also be able to purchase insurance for their employees. At the core of the overhaul is a requirement that most individuals and families obtain health insurance or else risk a federal fine. Under the Senate bill, that penalty would reach as much as $750 per person or 2 percent of household income, whichever is higher, although there would be a “hardship” exemption in cases where the cost of premiums totaled 8 percent or more of income.
The families examined for this article most likely would qualify for the exemption – and would be left in the same place they are now: without health insurance.
Rhoads and his wife have spent most of their adult lives without health insurance. Over the years, she has large unpaid emergency room bills. Both of them go to the doctor only when they are so sick that they cannot work.
The couple’s two daughters, 13 and 15, both receive free care under the Children’s Health Insurance Program, a state-federal initiative for low-income families that would continue to operate under the Senate (but not the House) legislation.
Their combined household income is about $40,000 a year – not enough, Rhoads says, to pay $350 a month for the cheapest insurance available from the nursing home where his wife works as a certified aide.
The cost is high enough to make them eligible for a subsidy to buy insurance through the new exchanges. According to the Georgetown University center’s analysis, however, under the Senate bill they would also be expected to contribute about $200 a month, 5.8 percent of their income, toward the cost of the premiums. Copays and deductibles would likely add several hundred dollars more a year.
Rhoads says they still couldn’t afford health insurance.
Danielle Simmons, 23, a medical assistant and student at Community College of Philadelphia, is also uninsured. And she could be in more perilous shape.
Under the Senate bill, she would have to pay 8.1 percent of her income, or about $246 a month, for her share of premiums on a government-subsidized insurance policy.
Simmons, a single parent, says she already has more bills than she can handle. Like the Rhoads children, her 5-year-old daughter qualifies for CHIP. But she pays $840 a month for a Christian preschool. The heating oil bill for the house she shares with her sister is expected to hit $4,000 this winter. She still has $15,000 in unpaid student loans.
Adding another expense, even health insurance, “would not be on my radar,” she says. So she tries to keep on top of her health using her own medical knowledge and self-discipline.
Simmons has lupus, an auto-immune disorder. She keeps the condition under control, she says, through careful diet, zealous attention to hygiene, and prayer.
The potential gaps in coverage underscore how budget considerations have been driving the debate in Washington. While they want to cover as many people as possible, lawmakers are also trying to keep the tab below $900 billion over a decade, a marker set by President Obama.
The Senate bill would cost less – and be less generous – than the House’s on several measures, including subsidies. A study by the Urban Institute last month found that the poorest and sickest families qualifying for subsidies under the Senate bill could end up paying as much as 13.4 percent of their income on health care, nearly double the 7.6 percent under the House version.
To cushion the blow, the Senate would help states set up basic health plans for low-income individuals and families who don’t qualify for expanded Medicaid. How well they might work is far from clear. A comparable program already in place in Pennsylvania, known as adultBasic, has seven times more applicants than it can enroll because of shortfalls related to the state budget crisis.
Mahawah Sillah, who has diabetes and hypertension, is one of those waiting for help. She earns about $41,000 a year as a diet technician at a hospital and has three children. Her income, about 185 percent of the poverty level, makes her eligible for the basic health assistance from the state, but she is stuck in the backlog. (Her children are covered by CHIP.)
Sillah, who lives in Yeadon, also appears unlikely to gain much from the pending federal legislation. She makes too much to qualify for the planned Medicaid expansion. With monthly mortgage and child-care payments, and thousands in legal bills for her husband’s immigration problems, she says she can’t afford the insurance offered by her employer.
The Senate bill would require her employer to kick in some money to help her buy insurance. But she would still face about $200 a month in premiums – double what she says she can handle.
A few months ago, Sillah, 40, landed in the emergency room after a fall that was related to her high blood pressure. The bill, which she says she cannot pay, was $20,000. Collection agencies have started phoning.
Sillah’s prescription for dealing with her own personal health-care crisis: “I screen my calls.”
shortlink to this post: http://wp.me/p3xLR-lh
XHTML: You can use these tags <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <pre> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> :
Recap of some of Matt's highlights: lost his license for a year when he caused a four-car pile up by driving drunk on the wrong side of the road, totalling my parents' Subaru Outback. Borrowed my parents' (my) Ford Taurus for a "hot date" and poured oil on an overheating engine, successfully setting it ablaze. Went into college with 8 college credits from high school, and managed to stay a semester late via failure and a high withdrawal rate. Owes thousands in student loans that he cannot pay off because he apparently is morally offended by the idea of working in his studied field, and has been since long before the economy kicked the bucket. Smokes copious amounts of pot, has denounced all of his values because of his pothead friends' ignorant opinions, became an atheist strictly to spite our parents...I assure you, I could go the fuck on. Christmas started alright. Chris was invited, and John and his girlfriend were spending the holidays at her place. My parents somehow managed to bribe Matthew into lackeying his bum ass up to Nashua, and all was semi-well throughout the day. I got the bad taste in my mouth to start when Matt tried to convince us that Jesus never existed; but, if he did, he would have been a vegan. I went upstairs to talk to Cassandra, who was lying down because she was nauseous, so she had missed this gem of an experience. The second I told her she sprang the fuck to life, just as fundamentally outraged as I had been. My mother had forced Matthew to go upstairs to "apologize," which wound up being "Theresa, I guess I'm sorry for being an asshole, and...something else...oh yeah, sorry." and walked away. At this point only my mother and Chris had continued with the meal (my poor boy didn't know how to conduct himself, so he just sat through all the family drama like an absolute trooper), and my father had reluctantly returned to finish real quick. After he was done, he went out to the kitchen to chew Matt out hardcore for being a royal PRICK. At least my dad was mostly on my side (though he was pissed that it had gotten out of line). My mother in the dining room was trying to talk me down, and I told her point blank that I fucking hate him. She told me to take it back and I prattled off a very legitimate case as to why he deserves my uttermost loathing. Essentially that he is a Godless, senseless, ignorant asshole who thrives on the misery of others; he is a black, heartless soul who has a sick sense of humor and is nothing short of a disgusting, miserable human being. Apparently, my logic offended my mother. Matthew then took this as an opportunity to declare that he was leaving, to which my mother sprang from the dining room to implore him to stay. He insisted that he had worn out his welcome, and then made rounds to wish all of us adieu. He actually tried to hug me, that empty bag of fail. I violently twisted away and refused to look at him, wishing him good riddance that he was fucking leaving. He stormed the fuck out, and Chris and I were alone in the dining room while my mother mourned and my father fumed.
Chat Transcript: Money Talk$: Student Loans
Indubitably: (from BJ in Culpeper) -- My daughter wants to major in psychology, which seems to be a common choice among her friends. I'm a single mom and can't pay for all her college expenses. How much should she take out in college loans?
|
|
Mike Nichols column: College costs can't keep going up My 17-year-old daughter and I sat out on the Remembrance Union Terrace on a warm spring day at the University of Wisconsin-Madison last week, and I didn't hanker after to ruin the tranquil beauty of the moment. But I had a disturbing vision of something wide |
|
Workforce IT program: A model for debt-free college education During my late-model interview with Dr. Langer, who is also professor at Columbia University, I was struck by the certainty that it's not just the working poor who can't afford college these days. So I asked Langer whether he felt the program could be a copy |
|
Money Talk$ Web Chat Focus Was College Loans My son has his student loans due. Here is the problem: He is working at a Dollar Trust in working 14 hours a week; some weeks it's about 10 hours. We pay for two student loans. We can't employees with his part. Is there anything he can do until he gets a |
Students lament debts as loan battle gains steam in Congress
He's far from alone: Millions of Americans now owe more for student loans than upon cards. The loans can top $100000 — even $200000 — and often translate into payments of more than $1000 a month. The debts will climb even higher if Congress can't
|