@Anonymous wrote:
Actually, Wonderin, I AM repaying my federal loans. And the loan made from the college i went to was less than 2,000. I didnt want to reapay it now and risk it hurting my score (which is in the mid 600 range). If it were going to fall off my report, id rather let it do that then approach repaying it once we go through the closing on our second home. I certainly dont need a lecture on the student loan impact to the greater society, from someone who apparently has pondered the same things i have about these loans to begin with!
I don't see how I came off as "lecturing." Trust me, I'm here for same reason most of us are ... rebuilding my credit (and hubby's). Why? Because I'm no saint.
When I offer advice (which is also what I'm here for), I tend to make sure that others understand that I don't advocate stiffing the system -- it's not meant to imply that I think someone else IS trying to. Only that my intent is honest, honorable, and supportive. Too, too many times my advice HAS been taken as a means to cheat the system (and believe me, I don't want anyone to think that and I don't want to encourage any "listeners" out there who might be inclined that way!).
Further, I didn't realize that you
WERE paying on your loans -- your post, honestly, made it seem as though you were only
thinking about it. And even then, my only intent was to see you NOT go through the situations I've seen on other boards (or read in the news) ... i.e., your home is taken, your refunds offset, wages garnished, bank accounts levied. I'd rather not see ANYONE go through that.
So, if you took my post(s) as lecturing or even hateful, I really do apologize. They weren't meant that way. I only meant to stress how important not being in danger of losing everything you've worked for is.
And FTR, a LOT of people think that once the SLs fall off their reports that they are "safe" ... and then years later, they're *bleeped* six ways to Sunday. I'm not saying YOU were under that misconception, but I wouldn't be surprised if half the people who've viewed this thread ARE. And it's them I'm talking to, too.
