#debt answers

[sergle]

yall are about to piss me off by not having any PASSING basic knowledge of the way the u.s. military manipulates its recruits into joining by typing up one of your uninformed, unresearched, unempathetic, individualistic, unbelievably annoying posts about how 100% of the people in the military ended up there because they just Love America So Damn Much! they're extremely mature and informed at time of recruitment, they can totally leave anytime they want, they totally had tons of other avenues in life they could've taken, there was no rush at all to get income as fast as possible, and everyone in the military also totally is part of the combat divisions and personally enjoys being IN the military very much, big believers of violence. everyone in the military is shooting guns all day, that's how that works. they LOVE BLOODSHED. also I love the "amewicans haha" twang to this type of shit because you're actually TOTALLY stealing our Thing, which is turning systemic issues into Individual Issues. Instead of talking about the powers that be, it's so Personal Choice up in here. It's, "well you shouldn't have done it then. I totally wouldn't because I know better." you don't wanna talk about the military industrial complex as a whole, and you don't want to talk about recruiters, you just want to pin the blame on Specific Individual People one-by-one, as if they're responsible for the system that they're being ground up in. someone was in the military? bad person, no matter what. it's easier to believe that, I guess, than to acknowledge that Normal People (with high school educations) are manipulated and incentivized into joining a system that is Bad. at like age 18. but yeah no that 18 year old should have just been smarter lol haha anyway here are some screenshots for no particular reason

side note this reply of someone going "umm just get loans and go into a high paying field it's easy XD" as a direct response to someone trying to explain how most americans joining the military are being funneled in that direction out of a need for money.

and another person who Decided that americans join the military just CLENCHING their teeth thinking of other people, and not thinking completely selfishly about their own selves and their own income/housing/healthcare.

[voidmarkd]

#voidmarkd; an indie, selective and fandomless portrayal of Atlas Fitzgerald, featuring themes as life in a coven, rebirth through death, marked by the void, necromancy, betrayal and abandonment, the blood and the burden, keeper of forgotten graves, [ . . . ] mutuals only. 21+. low activity. eng/ger. ♱ carrd ♱ memes ♱ open starters

[brionysea]

allison and five are actually fascinating to write together. allison is the sibling for checking on people and asking in plain english if they're okay but five would literally rather bleed out than show a shred of vulnerability

[yonglixx]

felix was giving advise regarding college and how it’s not for everyone but i guess they didn’t like what he had to say lmao 🙃

[saturdaysky]

SOMEbody failed his wisdom save to resist unlimited tadpole power, and that somebody is definitely my tav Mayhew. a WIP:

mindflayers are incredibly fun to draw fwiw, do recommend

[chaotic-archaeologist]

Do you have any advice for someone who has most of an archaeology degree, but following some health problems during covid foricng me to withdraw from some classes, I didn't meet pace of progress and lost my financial aid and now owe my university $13k for the semester i didn't complete. I'm a 3.8gpa student and was deans list, but I have an enrolment and transcript hold until I pay them back. I will never have $13k at my disposal to pay that off without haivng my degree to make me employable, so I'm not sure how I can ever go back and finish my degree.

Do you have any advice for how someone in my position should proceed? I thought about merit based financial aid/scholarships with my high gpa, but I've never had any success finding those.

This is a tough one, since I don't really have any direct experience with a similar situation. If anyone has specific advice, please let me know.

Education loans/debt are special legal creatures, and perhaps the most important thing you can do is educate yourself on the legalities of your particular situation and what options are available to you. Here's a page I found that talks about the legal precedents for certain types of education loans. From what little I understand, the school is not looking for you to pay the $13k back all at once. There may be payment plans or settlements available to you.

The first thing that comes to mind is to contact your school's ombudsman. This is an office whose single purpose is to help students navigate institutional bureaucracy and pursue grievances against the institution. They are probably the best bet for finding ways to mitigate this debt, set up options for payment, etc.

Similarly, I would recommend making an appointment to talk with someone in the financial aid department if you haven't already. It might be painful and embarrassing, but I can guarantee you that you aren't the first person who has had this exact issue, and you won't be the last. They might also be able to help you navigate ways to deal with this debt.

Some schools have policies that if you have to withdraw for health reasons before X point in the semester, you can get your tuition refunded. This is what my family was able to do when I had to drop out during my sophomore year. Whether that would be an option for you depends 1) on your school, and 2) on if you have to apply for that forgiveness within a certain window. Still worth a shot though—this is something you can ask the ombudsman about.

If you were registered with your school's disability services (provided that you're in the US, which is where my experience comes from) before you had to withdraw, they may also be able to help you advocate for yourself based on having a disability. If this is something that applies to you, it's possible that you have some protections based on the ADA, although this will depend on the nature of your financial aid, and whether you were registered beforehand. Accommodations are not retroactive.

Finally, I hate to say it, but working in archaeology—with or without a college degree—is going to make it difficult to pay off these loans. Entry level archaeology jobs pay notoriously poorly, and other positions generally require some sort of postgraduate degree. You are employable without a degree, but it may not be in your chosen field. That's shitty news, I know, but it's something you need to consider in order to start dealing with this.

Best of luck, -Reid

[bunnygirllover45]

Meow meow.

💵💵💵

-🐱

CAT ANON, YOU'RE BACK!! I missed you so much my lovely cat anon, it's been a while. I know you're non-verbal and just keep leaving gifts at my doorstep (which I appreciate) but I would love to know how you've been, did you become a stray? why aren't you visiting anymore? patpatpatpat

[emmcfrxst]

mmmmm thinking abt colter arthur and making sweet love to each other to keep warm..........

giggling and gasping because both your hands are so cold but the laughter dies out in just. silent, tender admiration of each other because you’ve managed to survive together and you’ll get through this no matter what

[unexpectedbrickattack]

bro your pepperman and peppino comic hasn’t left my brain since i saw it. i just love the dynamic of a ginormous freak and peppino being both intimidated and flustered.. bro i wish there was more of those two

I should draw them some more bc i really like the dynamic ive written for them 😊 For u anon, i will share some minor (silly) thoughts ive had about them

-Pepperman absolutely has a little baby crush on this man. TEENY TINY. The kind of crush that means nothing- hes a little 💅🏾 and hes an artist like ur gonna be a little gay w all of the friends you make; thats just the way it goes 😭 Like Peppino is sooooo handsome and soooo strong and he can cook and hes smart and he doesnt stand down when confronted (he LOVES this the most). So people in Peppermans Rich Friend circle notice the complete 180 his personality does when Peppino is invited to outings. Its not that Pepperman is being weird and shallow or fake, its that Peppino is probably his First Friend that wasnt rich and snobbish in anyway. Some part of him really REALLY wants to impress Peppino and it makes him act a little ‘foolish’ heehee 😊

-Following up on this, Pepperman visits the pizzeria out of the blue like MONTHS after he first invites Peppino out for the art sessions and like okay maybe they are friends MAYBE…but like he is still kind of anxious bc the last time he came here he almost got his skinned so part of him is like ‘maybe hes only amicable bc feels obligated to cooperate within the walls of my studio…’ BUT he shuffles awkwardly into the shop and Peppino not only waves but SMILES at him while hes attending to a customer and Pepperman is like ‘HEEEHEEUHEEHOOO………….’

-Peppermans art is worth a fortune; he is very well respected in the art world and any pieces hes made (including self portraits) are absolutely stunning. His abstract art is as beautiful as his realism; auctioning them off and doing occasional commission work is how hes acquired most of his wealth. Because of this, it is a MASSIVE show of good faith and comradery that Pepperman will often gift art to Peppino. Unfortunately, Peppino will not accept statues or huge marble sculptures BUT Pepperman is delighted to see Peppino accept paintings and mini sculptures, even if he LOOKS a bit confused about it 😭

-SO… when Pepperman comes by the shop some weeks later, he is overwhelmingly excited to see one of his pieces hung up on the walls. The feeling of having his art fawned over in an art exhibit does not even BEGIN to compare to the excitement of seeing his art being displayed in this common mans shop. Its a portrait of Peppino, stylized, w some funky lookin colors. Nothing fancy or particularly evocative. Just. Peppino! Looking a bit wistful with colors winding around him.

Even Peppino is like (snrk) “Dont you have your fancy arts in a museum or something? Dont see the big deal ‘bout ‘a this.” But its HUGE its like…suddenly it is not just his muse entertaining his artistic vision…his muse VALUES his artistic vision………..it makes him SO happy. He thinks about it for days. Its like; he had no idea that this is what it felt like to have…inspiration and motivation from an Outside source. His art, while breathtaking, felt like it lacked something…Rich. Years and years of self reflection and introspection and Never expanding his horizons, never realizing he was Capable of expanding his horizons until now…he is just a lucky little pepper 🫑🌶✨

[toky502]

UNITALE ASKS! Extras (SPECIAL EDITION) ✨ (For now on tumblr and deviantart) ✌🏻

Officially open the questions and answers of unitale (an alternate tale) ✨ you are free to ask whatever you want to the characters of this edition! :3

With the participation of Debt!Alphys and M!Undyne as security (Undyne) and sentimental and moral support! (Alphys) 🫶🏻

For more information about the characters regarding their personality and tastes here and here!

In each extra question of each edition they will appear and interrupt the questions, for reasons of security and sentimental support for the characters! ñwñ 💦

There will only be a limit of 10 questions! of course, and as for the language, there will be both English and Spanish! for everyone's comfort ✌🏻 see you, greetings! TOKY! ♥️

[just-sp-in-inginthevoid]

Hello. I am wondering why you start liking Takeomi. He is the most hated character by the fandom and your choice of wet soggy cat is very unique. I want to listen your ramblings.

Oh anon, if only I knew

I'll try to remember how it happened, that much I think I got it.

So, when I first got into TR, my mind mostly focused on Mitsuya and the Shiba (mostly Taiju), so much so that I ended up writing a lot more than I thought I ever will on Taiju and explaining where his behavior comes from

Because it seems like a lot of people missed some important information. And by doing that I was able to show them details they had missed (prove that I was right in previous posts where I didn't justified myself and basically got called a liar by someone in the notes which incredibly pissed me off-) and, although that doesn't excuse what Taiju did, it does explain it and makes him more.. real? Maybe not relatable, but his domestic abuse didn't pop up out of nowhere and a lot of people know what intergenerational trauma can do so while still hating Taiju they could understand him better.

Then, having finished my Taiju analysis which also opened my eyes since I found more than what I initially thought about; I myself was able to understand him better and so I thought-

Why not do that with every hated characters in the fandom?

I don't quite recall if my (at the time, very slight) interest in Takeomi happened a bit before or at that time, but the reason why I focused on him before the others (which, uh, aren't a lot anyway) was because I saw stuffs written about him which I didn't really agree with? Like, yeah, he was flawed and raised his siblings badly - especially when next to Shinichiro who was (at least depicted as)(and try to be) good at it - but they were kinda amplifying things

I know that a lot of people relate to Sanzu, or just, love him, and since they saw things I haven't seen, I told myself 'well, let's investigate, then' and then I wrote about 17k words on Takeomi's psychology.

I literally walked myself into the Takeomi rabbit-hole (what a FUCKING mistake /positive)

Takeomi did neglect his siblings, and passive-aggressively verbally, or even emotionally, abused Sanzu and for most of the fandom, is not attractive (and, let's not lie, beauty is a redeeming quality for a lot of characters regardless of fandom. How many characters, no matter their faults, get forgiven by fans just because they're hot, uh?). So he sucks, yeah

You know what he did do? acknowledged his mistakes, apologized for them and would have started his redemption arc if Wakui had had the time for that when warping up the story

He made mistakes, he's flawed, he's human, he wasn't even supposed to be here because he only entered the delinquent world to keep following Shinichiro, his ego which was back then very weak and non-existent got inflated for either survival or because he received so many compliments he didn't know what to do with it if not both because he was a k i d.

Most of the characters in TR are kids or young adults when they commit things they shouldn't have done. And yes, you can hold them accountable for it but they didn't know better - they didn't have the tools to

Now, why do I like Takeomi.

First of all - the amount of flaws he has. Don't think I need to make the list, I think everyone's got it (although make sure to remember he's got an inferiority complex and it's most likely that he also has an imposter syndrome so he's just like me fr-). But even with that, he's never an antagonist. He does things wrong but he's on our side (he's just very deaf to anyone's opinion that doesn't fit his). He sucked at raising his siblings as a kid himself (before his superiority complex developed and during it too - albeit in different ways) but that's just.. realistic? Not that it takes away the seriousness of it and the consequences, but how else could it have been? The impact on Sanzu were disastrous (not that they were the only reason why Sanzu lost it), I understand that, I don't erase that nor deny it BUT THERE'S A REASON WHY TAKEOMI IS LIKE THIS, TOO. And if people blame Takeomi for his actions (which, again, fair.) then blame Sanzu for his!! he was willing to mass murder hundreds of people!!! including his sister!!! he killed a few people!! argh. But Sanzu got his tragic-backstory/childhood shown and has a design that appeals to most, so I guess it's harder to hold him accountable for the seriousness of his actions (I like Sanzu, don't get me wrong. But sometimes the hypocrisy of some fans makes me a tiny bit angry 🙃)

Anyway, reason 84123286 of why I need Takeomi's backstory. Bc, honestly, from what we know of him as a kid+his coping mechanisms as a teen/adult, it would make sense to me if one of the reason he was so hostile to Sanzu was because he saw himself in him and Didn't Like ItTM (for different reasons) (!!! Which would add nicely to Shinichiro seeing himself in Mikey!!! more sano-akashi parallels, lets goooooooo) Talking about the parallels between the two, the fact he's Shinichiro's narrative foil compels me lots. Takeomi is quite literally Shinichiro with a negative filter on. And how can he survived that? How can he cope with the fact that no matter how much he wants and tries to be Shinichiro he'd never succeed? He'd always be the pale copy, the wood statue covered with golden leaves that are peeling away with time next to the pure gold statue. The Teru Teru Bozu that fails to chase the rain away and is going to be decapitated for his ineptitude. He'd always be himself and that's what he hates the most. He'd always be compared to Shinichiro and there's nothing he can do about it. And he can't even be angry at Shinichiro. That's his best friend. He loves him. He has been the first to love him. He has been there before anyone else. He can't lose Shinichiro, Shinichiro gave him everything. Everything he cares about, he sees value of, at least. Immaculate.

I'll also die on the hill that he is competent. He himself has no idea on what but he is (he mixes everything. For him it'd go like this: he gets praised but he's done nothing, Shinichiro has done everything which means they praised him for what Shinichiro has done. Which means what Shinichiro do, he does too. Which means Shinichiro's achievements are his as well! right? He didn't do anything by himself, there's no need to praise him for something else.)(he's fully blind that strategically-speaking and in other brainy-brain domains he's competent af. Bc since it comes 'easily' to him - since he doesn't struggle much with it, or in contrary he struggles so much he cannot possibly be good at it, then there's nothing to praise. And like, for him what Shinichiro does deserve to be praised. What he himself does is just.. things he does so compliments feel shallow)(+Bonten strives as much as Bad Toman and Manila if not more, yet there's no Kisaki. Ofc there's still Koko so that helps, but Takeomi is new to the team and got recruited (at least that what Senju said) in Brahman for his ~wisdom~)

He's also the only character who was around before Shinichiro 1) became a big brother 2) became a delinquent and that has to mean something. They're the only ones left to remember how the other was before their life went to shit

In the final timeline, he looks so healthy. He made peace with himself, his relationship with his siblings is good, he made amends. He healed, they healed. His relationship with Shinichiro, Benkei and Wakasa is good too everything's great. He learnt to understand what he is competent in and focus on it; he's not Shinichiro, he'll never be and that's okay. He's him and what he is complete Shinichiro just as Shinichiro complete him – they take care of one another's flaws but can also know live independently from each other. Perhaps, perhaps Takeomi stopped being so dependent of him

Appearance-wise, I love dark hair+green eyes combo in general so it wasn't that hard (plus there are some godly fanarts out there)

And of course: despite his complexity, at the end of the day - he's really just a pathetic wet poor excuse of a man who can't do anything right and isn't that endearing

I'm slowly getting out of the denial-phase to enter my acceptance-phase when it comes to loving Takeomi. Liking things most people hate or are neutral about is smth I hate for Reasons but it also seems to always happen lolololol. Will try to talk more about Takeomi when it comes to my mind, in case ppl who also love him but don't want to make it known because of his bad reputation in the fandom saw my posts and feel a bit more okay and comfortable with loving him

[wangxianficrecs]

hi!! i was hunting for some fics to rec a friend from another fandom, and sadly discovered that the author has left fandom, she also wrote MDZS/CQL fics, here's the link to one you guys recced /post/627800144289677312/debt-of-gratitude-by-asocialfauxpas-fuzzytomato i wanted to ask if anyone has her other wangxian fics saved and if they'd be willing to share

How unfortunate to see another story disappear into the aether. We have that one archived, so if anyone wants it, feel free to reach out either via ask or by messaging me at @the-last-d-boy

And if someone has other stories of that author archived, feel free to comment below to let others know!

~Mod Kay

[imabitchforjemcarstairs]

I know the tsc fandom is in hibernation, but I was rereading Learn About Loss, and When Belial asks Zachariah if he can choose between a cure and the whereabouts of the lost Herondale. Jem chooses the lost Herondale because according to him " The Carstairs owe a life debt to the Herondales. That is my choice."

This means that the whole Carstairs owe the Herondale thing happened before 1936. The thing is, it was never mentioned in TLH, which makes me think, maybe it happened after 1903? But at the same time, which Carstairs would owe a life debt to the Herondales between 1903 and 1936? So, it's either Zachary who would be in his 30s by the 1930s, Alastair (honestly, I don't see him owing shit to the Herondales 😭😭) Cordelia or Alastair's kids if he had any. But it has to be them, they are the only Carstairs alive in this period.

[canisalbus]

Sorry I have to disagree with the snob anon Machete looks emotionally tortured and like he has good fashion taste let him have some nice things bcs he deserves them

(Also love love love your art style it’s fantastic and I think it really lets the energy of your ocs shine through beautifully)

.

[ask-scroll-and-quill]

QUILL eww u don't look fetch

ANYWAY WHERE ARE MY SPICY BOOKS!

- 💳

It's not like I wanted to be like this. Why are you looking in our house for the books you want? How'd you even get in our house?

-🐟🪶

M!A - 4/10

[bruisedloverr]

sorry but i need to share the thought of Bailey being the closest thing the LIs (except. Robin i guess) have to/can consider as a father/mother-in-law when in a relationship with the PC is fucking hysterical to me 💀 knowing them they will just disapprove all of them regardless of who they are