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You know that bus I'm always complaining about being early? Well, today, it was about 6 minutes late. For me, it was like glory hallelujah I got there in plenty of time to catch it. Well, as we were pulling into Redmond Transit Center, my stop and the last stop for this bus, the only other dude on the bus besides me and the driver goes up to the front and starts complaining.
Dude: "Are you always this late?"
Driver: "No, it depends on traffic."
Dude: "I realize that, but I just want to know if this is a trend because yadda yadda yadda"
I had to get off the bus as quickly as I could to keep from straight out laughing in the dude's face or saying something like "Dude, I wish it would always be late like this, so STFU you dumbass."
**********
In other news, I just scheduled a student loans payment to American Education Services for around $950 via my account on their website. Over $500 of this is for four private loans (set up originally through Wachovia, but which were handed off by Wachovia to AES later). The other $400 or so of that amount is for my eight Stafford loans (four subsidized and four unsubsidized) but I'll be talking more about those in a bit.
As for the private loans, this is in addition to a $400 payment to Wells Fargo, which is set up to auto-draft on the 27th, for a consolidation loan which was supposed to contain the entirety of those four private loans. This means that, yes, I am effectively paying twice for what are essentially the same loans. What happened is that either Wells Fargo or AES (and I'm guessing it was AES) seriously fucked something up when they were transferring over my loans from AES to Wells Fargo, and Wells Fargo ended up paying AES about $10,000 less than the total amount needed to cover all of those private loans. As such, because there was still a residual amount in my AES account for those four loans, I was charged the entire full monthly bill amount for those loans by AES this month.
I've been trying to clear this shit up for the past two weeks now, but due to AES's unwillingness to fax a shortage letter directly to Wells Fargo, for whatever retarded reason, and insisting that it instead be mailed to me, whereupon I immediately turned around and faxed it to Wells Fargo when I received it last Thursday, the ball hasn't really gotten rolling on this until today. Today is when I received an email from Wells Fargo saying that they had finally sent off a check to AES for the remaining amount (plus interest, as of December 23), but to allow 7-10 days for it to get there. Obviously, this makes it too late for anything to be done about that amount coming out of my AES account by tomorrow when the bill was due and, so, I had to pay that whole bill too. Well, anyway, Wells Fargo should get back whatever extra they pay to AES for my four private loans, and that should, I would assume, not be included in the consolidation loan I have with Wells Fargo. So, at the very least, it looks like the private loans will all be taken care of by bill time next month.
Now, for the Stafford loans. If only I could get the Federal Direct Consolidation Loan people to get the hell off of their asses and respond to the two emails I've sent to them concerning the additional form I mailed to them a couple of weeks ago, I would be doing fairly okay. The form in question was intended to correct the mistake of them having the wrong name down for my previous lender of my Stafford loans (AES). Apparently when I filled out the application online for the Federal Consolidation Loan to cover the Stafford loans currently being held by AES, I must have put Wachovia down instead of AES for some reason (since Wachovia was the one that I originally had the loans with). I'm pretty sure this one's all on me, so oh well. Anyway, they told me I had to send them a new form in order to explicitly state that my Stafford loans are through AES, not Wachovia. Which I mailed out to them on the Nov 13.
And... it appears to me that, so far, absolutely nothing whatsoever has come of that. My account on the Federal Direct Loans website still shows only that they've received my original application. I have sent them two emails asking them if they ever received that second form, neither of which have been responded to as of yet. Given that I sent the other one out on Monday, however, I will give them until sometime next week to respond to it, but then I'm calling them again.
God I hate this shit already, and it hasn't even been a full month yet that the loans have come out of grace period. Here's to hoping that the next 25-30 years remaining won't be as headache-inducing as this first billing period has been.
Dude: "Are you always this late?"
Driver: "No, it depends on traffic."
Dude: "I realize that, but I just want to know if this is a trend because yadda yadda yadda"
I had to get off the bus as quickly as I could to keep from straight out laughing in the dude's face or saying something like "Dude, I wish it would always be late like this, so STFU you dumbass."
**********
In other news, I just scheduled a student loans payment to American Education Services for around $950 via my account on their website. Over $500 of this is for four private loans (set up originally through Wachovia, but which were handed off by Wachovia to AES later). The other $400 or so of that amount is for my eight Stafford loans (four subsidized and four unsubsidized) but I'll be talking more about those in a bit.
As for the private loans, this is in addition to a $400 payment to Wells Fargo, which is set up to auto-draft on the 27th, for a consolidation loan which was supposed to contain the entirety of those four private loans. This means that, yes, I am effectively paying twice for what are essentially the same loans. What happened is that either Wells Fargo or AES (and I'm guessing it was AES) seriously fucked something up when they were transferring over my loans from AES to Wells Fargo, and Wells Fargo ended up paying AES about $10,000 less than the total amount needed to cover all of those private loans. As such, because there was still a residual amount in my AES account for those four loans, I was charged the entire full monthly bill amount for those loans by AES this month.
I've been trying to clear this shit up for the past two weeks now, but due to AES's unwillingness to fax a shortage letter directly to Wells Fargo, for whatever retarded reason, and insisting that it instead be mailed to me, whereupon I immediately turned around and faxed it to Wells Fargo when I received it last Thursday, the ball hasn't really gotten rolling on this until today. Today is when I received an email from Wells Fargo saying that they had finally sent off a check to AES for the remaining amount (plus interest, as of December 23), but to allow 7-10 days for it to get there. Obviously, this makes it too late for anything to be done about that amount coming out of my AES account by tomorrow when the bill was due and, so, I had to pay that whole bill too. Well, anyway, Wells Fargo should get back whatever extra they pay to AES for my four private loans, and that should, I would assume, not be included in the consolidation loan I have with Wells Fargo. So, at the very least, it looks like the private loans will all be taken care of by bill time next month.
Now, for the Stafford loans. If only I could get the Federal Direct Consolidation Loan people to get the hell off of their asses and respond to the two emails I've sent to them concerning the additional form I mailed to them a couple of weeks ago, I would be doing fairly okay. The form in question was intended to correct the mistake of them having the wrong name down for my previous lender of my Stafford loans (AES). Apparently when I filled out the application online for the Federal Consolidation Loan to cover the Stafford loans currently being held by AES, I must have put Wachovia down instead of AES for some reason (since Wachovia was the one that I originally had the loans with). I'm pretty sure this one's all on me, so oh well. Anyway, they told me I had to send them a new form in order to explicitly state that my Stafford loans are through AES, not Wachovia. Which I mailed out to them on the Nov 13.
And... it appears to me that, so far, absolutely nothing whatsoever has come of that. My account on the Federal Direct Loans website still shows only that they've received my original application. I have sent them two emails asking them if they ever received that second form, neither of which have been responded to as of yet. Given that I sent the other one out on Monday, however, I will give them until sometime next week to respond to it, but then I'm calling them again.
God I hate this shit already, and it hasn't even been a full month yet that the loans have come out of grace period. Here's to hoping that the next 25-30 years remaining won't be as headache-inducing as this first billing period has been.
