#How to get educational loan
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Literally can't pay my rent until I get paid for September, which hasn't happened yet. Today is Friday, and Monday is the last day of the month. I'm so tired of being poor.
#i still cringe to call myself 'poor' bc i have my own apartment and can afford groceries#and even fun stuff like museums and cafe visits and public transport sometimes#but the reality of the matter is that after i pay off my student loans every month#i do not have enough money left to pay the following month's rent#and that's the way it's been my whole life#all my groceries and museum visits and coffee come from those few hundred euros left over#my whole life i've been choosing between 'having savings' and 'having even the smallest most humble life' and obviously i choose the latter#i never go to the movies#i buy all my clothes second hand (got some this past month after not having bought any new clothing in almost two years)#i have visited a museum TWICE this year#i go to restaurants like... once a month max#i am living the most frugal life that i possibly can without denying myself all pleasures#i don't even have netflix or anything like that! i only very rarely order delivery! i cook my own damn meals!#you get the picture#and yet still: one single missed paycheck is enough to potentially fuck up my life seriously#i've never missed a rent payment in my life but i'm scared it may happen this time#just wrote to HR of my former employer (who is supposed to still be paying me through october) to politely ask where my paycheck is#it's probably coming today (i sure as hell hope so) but if it doesn't... i legit don't know how i'm going to pay my rent#my rent is 673 euros and i only have 400 in my bank account#i probably have enough food in my pantry to survive for a month if i had to#but i've never missed rent in germany before (or ever) and i have no idea how long they'd wait before evicting me for non-payment#i'm scared. and i'm tired of being apparently the only fucking person in my social groups who is this poor#i am an over-educated 37-year-old professional who typically gets classed with the 'expats'#but one missed salary payment has me thinking about eviction and affording groceries#this is what i mean when i say i'm an immigrant. not an expat.#those people with their apple watches and co-working spaces and spontaneous trips to thailand or brazil are... a world apart from me#how come everyone i meet is so damn rich? where do i find fellow poor friends?#anyway i'm stressed. and i'm so so tired of spending my mental energy worrying about money#cosmo gyres#personal
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also on the note of things that make jensen upset can we talk ab how the entire oph group went to ivy leauges
#jensen fully got up and walked away during that convo in canon#left his dinner bc wdym you dont care ab how much money it takes to go there. student loans or not.#the fact that they will get jobs without even talking about What they studied just Where they studied makes him want to kill people#its actually one of the few sore subjects between him and bryce#jensen doesnt wanna hear him talk ab it at all#he can like bryce as a person but he does hold a lot of resentment for the fact that bryce got that good of an education#and doesnt always recognize how privileged he is to casually throw it around#one of the few times jensen Actually gets mad is when the topic of education comes up between him bryce and someone else#and bryce casually goes on ab stanford and then jensen is COMPLETELY disregarded#(yes jensen having a more successful career than bryce is something i secretly think ab a lot)#anyway. having lots of thoughts.
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i think i accidentally got someone in trouble in real life and i feel sort of bad about it
#basically i had to get a 'certificate' as part of my loan preparation that shows i've been counseled on how to pay my mortgage#but the company i had to do it through was actually a debt consolidation agency and i got treated like i needed help with debt#i don't have any debt and i'm pretty responsible with my money but the guy i spoke to ended up grilling me on my financial plans#and also came up with some pretty inaccurate numbers about what my monthly expenses will be#i felt like i got talked down to the whole time and like i was being 'educated' for no reason and i told my lender#and she raised hell with them because like. a lot of her clients use this type of loan and have to go through these people#so now they're reviewing the phone call to determine if he acted inappropriately and tbh i feel like i'm rightfully pissed but also#i didn't expect it to go this far and i only said something to my lender because it bugged me that i had to make an account to get the cert#and now i can't remove my personal information from their portal#so yeah that's been my day
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#so ive been crying since 5:30am#ive had to cancel my meetings today bc i cant face people#im literally trying to save up all my will power to be able to make it through class tonight#but i just can get over whats just happened#the next few years will break me i know it#ill make sure i persevere but its gonna hurt and its going to be hard#im worried about my grandparents who rely on medicare to survive and get their medication#im worried about my trans and queer friends#im stressed about the threats about the cuts to the board of education#if its gone i loose my ability to finish school#I /rely/ on those loans like it or not#how am i supposed to face my younger sister who dreams of going to school knowing she might not get the same chance bc loans are gone#how am i supposed to watch my little cousin with adhd and autism lose his iep#how am i supposed to live with myself knowing the right to my own body is threatened at every turn#how am i supposed to be able to look both my parents in the eyes ever again and not hold their votes against them#today i let myself morn my hopes i had yesterday#tomorrow i build new hopes for the people i love and those that will be effected by this coming administration#thank god my next therapy appt ended up being schedule for this fri#anyway thanks for reading if you did#i love all of you <3 and i know we can make it through together no matter how tough
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My first time watching Glass Onion it was obvious that Miles' speeches were bullshit, but I still searched for any hidden meaning there might be.
The second time is a different experience though because every time my brain starts to search for meaning, I feel like Benoit Blanc discovering that no, there is absolutely no hidden meaning.
It's bullshit it's all nothing nothing nothing! It is just how you end up talking when everyone reacts to your self-aggrandizing word vomit like it is actually wisdom.
Also, legit, when Miles gave his stupid bullshit speech about what the word 'disruptor' means to him, I shit you not I was like holy shit am I back in business school right now?!
Miles must have given speeches like that at 100 business school graduations, goddamn.
Like, the motherfuckers really do sound like this. We didn't have any billionaires come, but we had a lot of millionaire guest speakers in my classes, and they fucking talk like that.
They all think they're rugged capitalists, but they're just glass onions!
#original#glass onion#it's just. business school prepared me really well to succeed in the business world as a straight white neurotypical#able-bodied cis man with a large network of very wealthy friends and family#I really would have killed it if I wasn't a queer autistic cripple!#even the best teachers seemed incredibly unaware of the enormous privilege that they were assuming in their students when they taught#but they basically presupposed you had infinite energy and savings and a disturbingly large number of my classes were just#lectures about pushing as hard as you can no matter what#they used Starbucks as an example of an admirable case of somebody who persisted in going to 150 investor pitches before being approved#and like. how many people do you know who have enough savings to schedule plan and attend 150 investor pitches?#how many people do you know who could set up even 12 through their connections?#where are those savings coming from? where are those investor pitch meetings coming from? those aren't easy to get!!#but none of this was ever mentioned it was just awesome that the guy kept trying I guess.#I have a sneaking suspicion that if I were to have dug deeper into some of the examples we were given that a lot of those#real life businesses probably started with a big big loan from somebody's parents#I was listening to the show you're wrong about which is a really good podcast and Michael Hobbs was like#anytime you see an article glorifying someone's financial success especially at a young age you should control F for 'parents'#because chances are you will probably see the word 'parents' somewhere next to the words 'million dollar loan'#anyway college is a scam. the community aspect was incredibly cool but I don't see why we as a culture need to only be able to access that#kind of community when we are paying a scam Institution a shitload of money for Educations that aren't helpful for the majority of us#if College was free then people could actually study things that are useful or fun for them#I took most of my courses just to fill out my major too. the point wasn't to learn it was to graduate.#and then it turned out that if you're disabled in the way i am it doesn't matter if you have a college degree!#but I'm sure miles would say I just need to pull myself up by my bootstraps. and that's why I'm glad his life got exploded 😌#andi kept him around for his money - why else would he be there when no one even liked him??#he was the bankroll#one time I swear to god we just had the guy from American Psycho just a real ass Patrick Bateman#it was wild watching that movie later and being like ???? I know this guy!#outside of the actual murder scenes everything in that movie is not exaggerated in the slightest those bitches really are like that#like my parents are not 1% level rich so there'd be no giant loans but they are rich. it'd be stupid to act like i didn't benefit from that
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#I didn't actually google if a PhD is a waste of time#I googled something else#but these results showed up#I suppose it depends on how you define 'waste' and what you want out of life#if you want to make as much money as you can as fast as you can then don't get a PhD#yet there are some fields that require a PhD#so...#I dunno#to be honest with you all I get the withering contempt that people have for higher education especially among the Red Tribe#and the hatred for people who have students loans that they want forgiven#you want to punish people who had the pretense to try to better their station in life and have lectured you along the way#feels great to rub their noses in it#they thought they were better than you but they are your inferiors and you can never ever let them forget for a moment what fools they are#I get it#but you know#there are some careers that just require formal education#and maybe you shouldn't want that career in the first place#but if you know that's what you want to do#even if you end up washing out#I feel like it makes sense to have tried
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#ok ok so what im hoping for now is that i'll pass my course#and that im fine for the surgery and that the surgery turns out well without any bad side effects or complications#then i can start recovering nd hopefully gettin my health back#after a couple of months i can probably start going to the gym again#then i'll also apply for a loan and do the rest of my classes thru distance#it'll be a lot of work but if im feeling ok physically nd can eat nd work our then it'll be fine#as i start feeling better i'll try to reach out to my sisters and talk to them. i miss them sm and i cant keep it like this#after the first classes are done i'll apply for 4 more classes nd a loan just to buy myself some time#and then i'll keep working on my mental and physical health#after that i'll either try getting a job or applying to uni or a craft/work related education#i'll keep trying to put myself in waiting lists for appartments#idk i will just keep trying with life. for my mom.#even if everything feels so fkn dark nd hopeless nd scary nd nightmarish rn. i cant leave my mom i just cant.#but im rlly hoping the surgery will go ok bc .. idk how to handle a life w all of those complications that can arise after#so im just rlly rlly hoping. my grandma nd great grandma removed their gallbladders nd they were fine. so im hoping i'll be too
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while we are speaking about The Sims 4, the University DLC is very revealing because it's unsashamedly based on the US college experience and not only in the fun parts but also in how fucked up the system is there, if things are just as half as fucked up as they are in that game, you have my genuine sympathy
#what the fuck is a letter of recommendation what the fuck is a student loan what the fuck is all this shit#I was looking for the 'free and public education' option and there was none#at least in the other sims you could pretend you had it by getting money by cheat and paying your studies (which should be free)#but in 4 you have a full look at how the whole system works. it's absolutely terrifying#cosas mias
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#ugh why is post-secondary education so expensive??? i hate this#i guess i might as well do my taxes now so i can get the tax return sooner UGH#why is money a thing? *sobs*#(honestly if i didn't have to spend so much money on dental work this year i'd be in a better place too. rip not having benefits#because i'm no longer employed full time... and don't let me get started on how the change in my schedule fucked over my student loans)#🙃#ignore me this is a sad personal adulting and money woes post
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How to get an Abroad Education Loan?
If you're seeking an education loan for studying abroad, you can reach out to GyanDhan. They have partnered with India’s top banks such as SBI, UBI, HDFC Credila, ICICI, and even international lenders like Mpower and Prodigy Finance.
The best part is, GyanDhan's services are completely free! They will provide you with an experienced education loan counselor who will help you evaluate your profile and create a personalized checklist of documents you'll need.
And here's the cherry on top - GyanDhan offers you Guaranteed Best Loan and if you find a better loan offer elsewhere, they will gladly cover the difference in interest.
All you have to do is Check Your Loan Eligibility, and they will get in touch with you quickly.
Oh, and they also have an EMI calculator tool that lets you calculate your loan repayment installments easily.
#educationloan#studyabroad#msinusa#gyandhan#gyandhanloanwithoutcollateral#studentloan#how to get abroad education loan#educationloanforus#educationloanforuk
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Look.
I have made you a chart. A very simple chart.
People say "You have to draw the line somewhere, and Biden has crossed it-" and my response is "Trump has crossed way more lines than Biden".
These categories are based off of actual policy enacted by both of these men while they were in office.
If the ONLY LINE YOU CARE ABOUT is line 12, you have an incredible amount of privilege, AND YOU DO NOT CARE ABOUT PALESTINIANS. You obviously have nothing to fear from a Trump presidency, and you do not give a fuck if a ceasefire actually occurs. You are obviously fine if your queer, disabled, and marginalized loved ones are hurt. You clearly don't care about the status of American democracy, which Trump has openly stated he plans to destroy on day 1 he is in office.
EDIT:
Ok fine, I spent 3 hours compiling sources for all of these, you can find that below the cut.
I'll give at least one link per subject area. There are of course many more sources to be read on these subject areas and no post could possibly give someone a full education on these subjects.
Biden and trans rights: https://www.hrc.org/resources/president-bidens-pro-lgbtq-timeline
Trump and trans rights: https://www.aclu.org/news/lgbtq-rights/trump-on-lgbtq-rights-rolling-back-protections-and-criminalizing-gender-nonconformity
The two sources above show how Biden has done a lot of work to promote trans rights, and how Trump did a lot of work to hurt trans rights.
Biden on abortion access: https://www.cnn.com/2022/07/08/politics/what-is-in-biden-abortion-executive-order/index.html
Trump on abortion access: https://apnews.com/article/abortion-trump-republican-presidential-election-2024-585faf025a1416d13d2fbc23da8d8637
Biden openly supports access to abortion and has taken steps to protect those rights at a federal level even after Roe v Wade was overturned. Trump, on the other hand, was the man who appointed the judges who helped overturn Roe v Wade and he openly brags about how proud he is of that decision. He also states that he believes individual states should have the final say in whether or not abortion is legal, and that he trusts them to "do the right thing", meaning he supports stronger abortion bans.
Biden on environmental reform: https://www.whitehouse.gov/briefing-room/statements-releases/2021/10/07/fact-sheet-president-biden-restores-protections-for-three-national-monuments-and-renews-american-leadership-to-steward-lands-waters-and-cultural-resources/
Trump on environmental reform: https://www.nytimes.com/interactive/2020/climate/trump-environment-rollbacks-list.html
Biden has made major steps forward for environmental reform. He has restored protections that Trump rolled back. He has enacted many executive orders and more to promote environmental protections, including rejoining the Paris Accords, which Trump withdrew the USA from. Trump is also well known for spreading conspiracy theories and lies about global climate change, calling it a "Chinese hoax".
Biden on healthcare and prescription reform: https://www.hhs.gov/about/news/2023/06/09/biden-administration-announces-savings-43-prescription-drugs-part-cost-saving-measures-president-bidens-inflation-reduction-act.html
Trump on healthcare reform: https://www.cnn.com/2024/01/07/politics/obamacare-health-insurance-ending-trump/index.html
I'm rolling healthcare and prescriptions and vaccines and public health all into one category here since they are related. Biden has lowered drug costs, expanded access to medicaid, and ACA enrollment has risen during his presidency. He has also made it so medical debt no longer applies to a person's credit score. He signed many executive orders during his first few weeks in office in order to get a handle on Trump's grievous mishandling of the COVID pandemic. Trump also wants to end the ACA. Trump is well known for refusing to wear a mask during the pandemic, encouraging the use of hydroxylchloroquine to "treat" COVID, and being openly anti-vaxx.
Biden on student loan forgiveness: https://www.ed.gov/news/press-releases/biden-harris-administration-announces-additional-77-billion-approved-student-debt-relief-160000-borrowers
Trump on student loan forgiveness: https://www.forbes.com/sites/adamminsky/2024/06/20/trump-knocks-bidens-vile-student-loan-forgiveness-plans-suggests-reversal/
Trump wants to reverse the student loan forgiveness plans Biden has enacted. Biden has already forgiven billions of dollars in loans and continues to work towards forgiving more.
Infrastructure funding:
I'm putting these links next together because they are all about infrastructure.
In general, Trump's "achievements" for infrastructure were to destroy environmental protections to speed up projects. Many of his plans were ineffective due to the fact that he did not clearly outline where the money was going to come from, and he was unwilling to raise taxes to pay for the projects. He was unable (and unwilling) to pass a bipartisan infrastructure bill during his 4 years in office. He did sign a few disaster relief bills. He did not enthusiastically promote renewable energy infrastructure. He created "Infrastructure Weeks" that the federal government then failed to fund. Trump did not do nothing for infrastructure, but his no-tax stance and his dislike for renewable energy means the contributions he made to American infrastructure were not as much as he claimed they were, nor as much as they could have been. Basically, he made a lot of promises, and delivered on very few of them. He is not "against" infrastructure, but he's certainly against funding it.
Biden was able to pass that bipartisan bill after taking office. The Bipartisan Infrastructure Plan that Trump tried to prevent from passing during Biden's term contains concrete funding sources and step by step plans to rebuild America's infrastructure. If you want to read the plan, you can find it here: https://www.whitehouse.gov/build/guidebook/. Biden has done far more for American infrastructure than Trump did, most notably by actually getting the bipartisan bill through congress.
Biden on Racial Equity: https://www.npr.org/sections/president-biden-takes-office/2021/01/26/960725707/biden-aims-to-advance-racial-equity-with-executive-actions
Trump on Racial Equity: https://www.axios.com/2024/04/01/trump-reverse-racism-civil-rights https://www.bbc.com/news/av/world-us-canada-37230916
Trump's racist policies are loud and clear for everyone to hear. We all heard him call Mexicans "Drug dealers, criminals, rapists". We all watched as he enacted travel bans on people from majority-Muslim nations. Biden, on the other hand, has done quite a lot during his term to attempt to reconcile racism in this country, including reversing Trump's "Muslim ban" the first day he was in office.
Biden on DEI: https://www.whitehouse.gov/briefing-room/presidential-actions/2021/06/25/executive-order-on-diversity-equity-inclusion-and-accessibility-in-the-federal-workforce/
Trump on DEI: https://www.msn.com/en-us/news/politics/trump-tried-to-crush-the-dei-revolution-heres-how-he-might-finish-the-job/ar-BB1jg3gz
Biden supports DEI and has signed executive orders and passed laws that support DEI on the federal level. Trump absolutely hates DEI and wants to eradicate it.
Biden on criminal justice reform: https://time.com/6155084/biden-criminal-justice-reform/
Trump on criminal justice reform: https://www.vox.com/2020-presidential-election/21418911/donald-trump-crime-criminal-justice-policy-record https://www.theatlantic.com/politics/archive/2024/05/trumps-extreme-plans-crime/678502/
From pardons for non-violent marijuana convictions to reducing the federal government's reliance on private prisons, Biden has done a lot in four years to reform our criminal justice system on the federal level. Meanwhile, Trump has described himself as "tough on crime". He advocates for more policing, including "stop and frisk" activities. Ironically it's actually quite difficult to find sources about what Trump thinks about crime, because almost all of the search results are about his own crimes.
Biden on military support for Israel: https://www.nbcnews.com/politics/national-security/biden-obama-divide-closely-support-israel-rcna127107
Trump on military support for Israel: https://www.vox.com/politics/353037/trump-gaza-israel-protests-biden-election-2024
Biden supports Israel financially and militarily and promotes holding Israel close. So did Trump. Trump was also very pro-Israel during his time in office and even moved the embassy to Jerusalem and declared Jerusalem the capitol of Israel, a move that inflamed attitudes in the region.
Biden on a ceasefire: https://www.usatoday.com/story/news/world/2024/06/05/gaza-israel-hamas-cease-fire-plan-biden/73967659007/
Trump on a ceasefire: https://www.nbcnews.com/politics/donald-trump/trump-israel-gaza-finish-problem-rcna141905
Trump has tried to be quiet on the issue but recently said he wants Israel to "finish the problem". He of course claims he could have prevented the whole problem. Trump also openly stated after Oct 7th that he would bar immigrants who support Hamas from the country and send in officers to American protests to arrest anyone supporting Hamas.
Biden meanwhile has been quietly urging Netanyahu to accept a ceasefire deal for months, including the most recent announcement earlier in June, though it seems as though that deal has finally fallen through as well.
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https://handyclassified.com/how-to-get-an-education-loan-for-abroad-studies
#how to get education loans for abroad studies#Education loans without collateral#which bank is best for education loans for abroad studies
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Best Interest-Free Loans for Students in UK 2024
Interest-Free Loans for Students: While the idea of borrowing money for school without interest sounds amazing, it’s important to know that true interest-free loans for students in the UK are pretty rare. Most loans will have some kind of interest attached, even if it’s hidden under a fancy name. Some lenders might advertise “0% interest” to grab your attention, but this is usually a temporary…
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oh you know just having thoughts of impending doom once again
#just saw how much my federal student loan payment is going to be once it restarts#i’m also just thinking abt how capitalism sucks and how most things in this country are a scam anyways#like thanks for the education! i now have the degree required by an employer who doesn’t pay me enough to get by anyways!#txt
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just came to the full realization of just how much debt i am, in fact, in and i think i'm gonna vomit
#im doing funky little calculations to see how long it would take me to repay my loans#and doing like 300 a month will still take me ten years#and im paying back a couple extra thousand in interest#i genuinely might get sick over this#the education system in america is so fucked#kill me
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What Happens If a Student Faces Difficulty in Repaying The Education Loan
What Happens If a Student Faces Difficulty in Repaying The Education Loan Education is a transformative journey that empowers individuals with knowledge, skills, and opportunities for personal and professional growth. However, for many students, financing higher education can be a substantial challenge. To bridge this gap, education loans serve as a lifeline, enabling students
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