College Loans and Disability

You know, I was initially going to just make a blog post about some positive things in the twitch community. However, something a little more serious has come into play after some thought. So now I will preface it with this. I have tried to get statements from others having this problem, but they did not want to come forward and put their names on it. So the only story I have is my own, but I can say others have had this problem. Unfortunately, no one at this time wants to step forward.

For those who are unaware, I am taking college classes, particularly in two fields of study, business administration and quantitative economics, some pretty heavy stuff. Now I am starting my first few years at a community college and making sure everything has no hiccups. I thought of getting some school loans just in case I could not work my job or something were to occur where if one had to focus on schooling and not work for a time, then it could be done.

Here is the problem. Due to health issues and previous school loans, now in a degree that can no longer be worked, I have what was called a TPD discharge. A total and permanent disability discharge. This means the government in a different department looked at what I originally did and thought. “This guy is no longer medically clear to work the degree he spent time learning and we cannot in good faith have him pay on it.”

Now it also means for three years, I cannot take any school grants, and I cannot take any more school loans until that period is over. I got the help, but for three years, I was on my own if I wanted to go to school. I am not getting any help from my family as they are concentrating on burning everything they have for the sake of cigarettes and cheap nail polish. Grants do take care of classes, but to make sure rent is covered by something would be some relief that I could use. Now, with Biden declaring how a portion of student loans will be forgiven, it would be really good to know what I took out would be removed.

Well, no, I have some questions about the amount and how that will hit a market already ballooning with inflation (remember economics major). The problem is before anyone points at my school loans as a gotcha, one has to be aware. No subsidized loans were made available to me. In fact, the community college in question declared that either a signed note backed by my neurologist or doctor stating that my health was 100% and my previous disability was gone or there would be no subsidized loans available.

It sounded weird, so meetings online were planned and attended where we could go over them more in-depth. The amount asked was not in question as it was low enough it could be handled by a subsidized loan. Still, the fact the Portland Community College explained it was due to the three-year time frame that had already expired with evidence to prove it to them. I did not take my first semester until it was already passed and still made sure everything was cleared beforehand. This made the person dealing with their finances stumble and grasp.

“Oh well even though you are disabled the government doesn’t want to take loans that won’t be paid.”

“So you are because of my disability not allowing me to get cleared for subsidized loans?”

“Correct.”

I did not yell or scream. I simply to my lumps and decided to get more information. Now, I took this to some disability lawyers just to get their opinion, and the consensus was either the Portland area had lawyers with no testicles or there was no case to be had. The problem was the decision was to make sure the loans would be repaid. As they are subsidized, the school would need to okay them from government lenders, and because of that, I would not need to pay interest until I was done with school. It was not the loan givers making it so they could not be sued, and the school was making decisions within their right, according to the lawyers around here, so they cannot be sued. From this point, it was just aggravating because there were still problems to be taken care of and the resources available for others were not available to me.

There was something that could be done, but I adapted, and as it stands, I can continue to adapt. This has been something that others have dealt with, making me a little bit miffed, to say the least. I will try to bring more evidence, but I would like to hear from you.

After A TPD discharge has been used and after the three-year time frame has expired, should they, if able, go into college and learn something to better themselves? For example, should disabled people have the right to school loans, or should they not, or is it something in between?

In fact, I may also have something to write about to help more people. Also, sorry this was late. Between health and problems, time decided to move faster than I liked, but I hope you will like the content coming.

Stay Strong.

Honor Roll.

It has been a rough week, I got to play video games with my uncle and now have a 4.0 going through two semesters in college which is a welcome surprise. When it comes to the whole thing though there is always places to excel and this leads me to my work. Summer semester is currently in doubt because of issues from Vocational rehab after finding out the grants will not help in the summer.

There has been work on the project front and all things willing should be starting out to go to farmers markets to talk to people and see if a couple could try my products. Part of me has been wondering despite all the trying and efforts if I am good enough to do it and maybe instead I am just hopped up on my own ego.

During my whole life growing up up until me leaving. I cannot tell you times I had been struck by my family, but I can count on my hands during that time how many hugs I had gotten. There had been always a kind of prove it culture growing up in my family and part of me thinks that chasing all these goals has been a dark evolution of my determination due to that sort of thing.

Does this mean I am going to stop. Fack no. I look at my goals more then talk to some friends what it does mean though is it often leads me to think that maybe stuff like this is only how I will ever find myself in a better situation of living. There is a want to change the world, to make it better and there are multiple ways currently being used. Seeing my city fall to disrepair, to squalor still kills me for Portland is a beautiful city and it is going to be that way again and the world will be better, but first I need to find skills and grow my ways in more then ever before.

To the future, stay strong.

Last week today.

How was your week?

Ya, it has been one of those weeks. As of the writing of this I got about 10 days left in the month and 10k to go to hit my goal and then I need to try and make ground because next month is short. College is good we have gotten into a nice rhythm and it isn’t too boring so I just need to keep up on it, working through some programs to help for the education bit.

I want to work on all the details before even starting an Indiegogo because I don’t want to be someone who need all the extra time. Right now I can only work in the US. I may just have to pull the trigger on indiegogo for us people only right now.

So at some point it will just be time to pull the trigger and get stuff done and I even went so far to asking my family if they wanted to help. They said they were short on money paying for my sister’s horse lessons and paying off a new truck. It is fine. Family was something that never really worked for me. All of it just means I can do it alone.

All you can do is keep moving forward and even when family is poisonous. Looking into running for state government to start at least trying to help my area with a better quality of person. Some people in state government are good but right now the state is going down some bad roads and while there are other people that could do it, there is a line I remember.

“If you want something done right, do it yourself.”

Progress is progress and that is great it just sometimes stings and the the achy malaise just never goes away so you have to pick yourself up and keep working on yourself. There is always something to work on there are always faults to grind to a gleam, and one of the ones recently for me is that I do not take compliments very well.

My seasonings have been getting great reviews in testing. I have been complimented many times because of this and there is so much of me bound in the work that when I receive a compliment I make a face that looks like my brain is loading and failed. So I am trying to handle compliments with a proper thank you and enjoying it for a moment before moving on. It will be something I need to do because I want people to be so happy with my products and my work to compliment me, I just need to not insult them when I do not mean to.

In relaxing I have found myself liking the games of teamfight tactics and I think I might go for gold and blue rank in hyper role. Competing like that just makes me feel like the disability did not occur, and I am who I always was. It provides me that little bit of peace, that I am sure hunting for it my opponents wish I never found. I write that line with a smile.

So tell me about whaty ou are doing? Working on social media outreach? Projects got your eye for a while, let me know and we can chew the fat on it.

Stay strong everyone.

First O’ The Year.

The new year and it already feels like there is a lot of uncertainty in the world. Working on a lot of things it makes me wonder what the year has in store for me and I can only hope that a lot is going to come and part of something that has been the big problem for me has been my youtube channel.

I don’t know what people will want to see on the site and looking at my channel that has been around for a while and at this point I do not know what to do with it. I want to have something with it and it has just been something where there should be something and the time has changed that I will do more on Twitch then YouTube and I want to do something here, I just don’t feel that gaming is it for me here, right now.

Enough of the down, here is what is going on Millwordy is going to be fun, college classes are on for later this month and I am excited and I am looking at getting the business plan polished because we need to figure out how to get some money and how to get these products to more people. We have had some good talks so far and the end of the year has ended with some high notes when it comes to restaurants starting with orders.

Writing is going to be big and depending on how I can get to other projects there may be much more coming, but I also have to learn a couple things on those ways. In any case I hope you all find yourself a happy new year and things do get better in your lives.

Ever play Jet Set Radio Future? I love that game, when I think of being part of a group it is really that game because each character had their own personality but they came together for their own group. That and DJ Professor K was awesome. Video games have such an ability to go into depth of story and honestly I do not think we even scratched far beneath the surface on it. I hope to get to the point I can help produce them but that will be something down the road. Not as far as it was last year but sometime down there still.

Anywho I hope you all enjoy and I will be here next week 😀

Stay Strong

Millwordy in 2022

I will be going back to college, I will be working on millwordy, I will be releasing books and whatnot and now it is just something where I am trying to put it all together in a time frame that does not make me feel like crap. The more things that need to get done the more it is going to put my energy to the limits and moving forward.

Through workouts and taking vitamins and trying to eat better I have gotten some usage back, but there is still the part of my body where always want more but I think that may just be a personality defect, no matter how much I try it will always be something where I want to try to do more. So I may have a few more books coming out I guess and I am hoping I can release one next year. That would be a good plan.

One million words and so many plans and goals had been going now and it seems these next twelve months will seem to be important for the rest of my life and looking at that it makes me a little nervous. Failure here may be something where I cannot get back, but making this year work. To a new year of challenges and hopefully of goals being hit, and of hopefully life getting better despite the world trying to get worse.

Will explain more next week.

Stay Strong and Merry Christmas.

Hyper Plans

Welcome all to a running tally of my madness. No, not really, but still I bet some of you have felt the same things working on your stuff for so long, and with some writers finding some peace after NanoWrimo. When it feels like there is always more to do and the body cannot handle all of it sometimes makes you think you never should have tried. I happen to fall in the trap of thinking as one thing cannot be done as fast as I would like that it would be worthless for me to do it at all.

On top of everything else I am going back to college and I could be getting some medical help for something that has been bothering me for a long time now. For those who do not know, between the fights, the diet, the issues of my body not absorbing well had made my teeth that more of a hockey smile versus regular smile and it has been something that people have been made nervous seeing it, and I had just finished the paperwork to get some help.

I could be going to college, and while some may some it has less value then ever there are certain holes in my game it could help cover and I will love to learn about how to do that especially if I do not need to be the one to pay in ( That is the trick after all.) This is more of a future bet on myself to use the training for something that could get me back on my feet despite all the damage this body has carried over the years.

Finally, the big thing of what is going on and that is the food company is coming together there are more things being filled out in the business plan and soon there will be a need to start getting the word out. Costing has gone well I felt and even with the containers at the worst profit margin one could it had been something that came out where I wanted which may be bad or good but it provides the best price point without being so cheap that people find something wrong with it, people had done that before from what I sold and it was a painful lesson. Sell at the point where people feel comfortable, because that is a thing, and if you did not know that, now you do. I would say find it just high enough that it invites faith in the product through their price point but not so high where people are needlessly taken out of potentially buying it, because that is not what we want, we ant people to enjoy the thing we make at the base value.

I say it all here because I have a habit of going too low and suddenly think there is something wrong with it. This is more for me and look back to go, ‘hey, ya you talked about it, take your own advice.’ Sometimes we need to give ourselves such advice I have pushed myself far, but it has been something that we can make a lot of progress on things and while I still need to balance some things it is times like these I wish I would get my old batteries back.

Wishes are like ifs and buts, candies and nuts, Toronto still gets no cup, or however the line went, in any case there is still some energy going through me and that means there is still stuff to be done so please take the time and peruse some of the things you may find on the books page, right now everything on there is for free, but I am also editing my own original works and those will have a price after some people who write more for a living, and learning how I can use each place I post as something different.

This post is going to sound like a kid hopped up on sugar and I do not care, we are looking at things for the indiegogo plan so if there is something you want to see , please let me know, follow me in the spots I wark at and I hope the stuff I can do makes your day brighter in some aspect.

Seasons Greetings and Stay Strong