That I Never Even Borrowed
By Vonia Martin
Okay, I took out a guaranteed student loan way back in 1993, for summer classes at college. My grant had been cut in half so I automatically applied for student loans to pay the remaining amount. I attended a few classes that semester then dropped out before the dead line of no return. I never went and collected the loan money because I was no longer going to school. For some reason I am being charged for this loan I never received. Over the years I have disputed this several times but no one will listen. It is really, really hard for me to pay back money I never borrowed! I mean, it's been hard enough paying back the $2,250 I did borrow, especially when not one penny has ever been deducted from my balance. By the way, my balance is now $13,850!!!! This debt has crippled me most of my adult life! It keeps my credit from being good enough to start a business, get decent interest rates, get a good job or start a career, borrow money for a car or house. Being that I was put up for adoption at 6 years old and aged out of the system in Arizona I have had no family to teach me or help me in anyway. After dropping out of college I made six payments of $112 but then deferred the payments because I lost my job. Over the years all my tax returns have been diverted to pay back this loan which I have done plus interest, yet I still owe with no money being deducted how am I ever going to pay this back? So why would I continue to pay on this loan that never goes down because it looks like I have never made a payment. Now it looks like I just took this loan, of $13,850 for school with no payments being deducted, even though recently I made 4 payments of $198 and only one is posted for $150. Let me ask you this; would you continue to make payments on a loan you never received? Or make payments on a loan you did receive but never goes down no matter how many payments or tax returns they get? I have been disputing this from the beginning never receiving anything from the loan department that even looks remotely like my signature. There is no way I took out guaranteed student loans when I wasn't even enrolled in college any more. I got a full grant the first year I attended college that paid for my tuition and books the following year, in 1993, they cut that in half because I wasn't a very good student. As a matter of fact I never graduated high school having only attended my freshman year before getting my GED. My adopted mother disowned me after only 3 years, so back in the system I went. What little education I did get was all crammed into the few short years my adopted mother had me. She took me to have my IQ tested when I was 11 and they told her I cheated because I knew the shapes weren't going to fit so I didn't bother trying. The reason I knew they weren't going to fit is because I saw another child, either through a window or an opened door, try to put the shapes in their holes but they wouldn't go so I figured they didn't fit. No one asked me how I knew, or maybe they did and I told them and they decided that was cheating. I'm not really sure but get the feeling that I rubbed the official giving the test the wrong way. I do that a lot, rub people the wrong way. I don't mean to, it just happens. Even at 11 I was able to piss some one who you would think is above stupid petty personality shit off enough to rob me of my IQ. It wasn't until my adopted mother found me after 35 years that I even remembered any of this. No one would have believed me anyway.
All I have now is my score from one of those free online IQ tests which is 137.
What confuses most people about me is my appearance, I look like a bad acid flash back. And despite the drug and alcohol abuse has no health issues. What smart person does drugs and alcohol? One that is busy acted stupid because it's easier than trying to convince people you're smart. Plus drugs and alcohol help dumb you down and numb you up so you fit the stupid role better. Not necessary since you are so dyslexic you couldn't find your way out of a wet paper bag. And let's face it, the last person you want to know is smarter then you is the blonde with the big tits. At eleven I didn't have big tits yet but was already on my way.
My momster didn't give me up for adoption until I was 6 so my informative years were spent with her, learning from her. She was a manizer, going from one man to another only she married every one of them, I've never been married. She did teach me what not to be as well as what to be. Okay, so she was a little thin on the what to be part but I at least I knew the difference if I hadn't this would be a totally different story.
When you are poor white trailer trash with no formal education to speak of the smart people want nothing to do with you even if you are smart too. The only people that do except you are the stoners and losers. At least, compared to them, you are brilliant, no offense to my druggy friends. The last thing they expect you to do is seek out higher education at the age of 50. The last thing I will ever do is what they expect. Again, who 'they' are I have no idea. They are not me is all I know and if you're not me you are against me. I use to say that I'm an equal opportunity hater, I hate every one equally. Get it EOH? LOL I crack myself up sometimes.
My goal in life was to not become a statistic. That is after my adopted Momster disowned me. That meant no babies out of wed lock, no welfare, no incarceration, no prostitution, no institutions, and no suicide. Everything else is up for grabs. I almost failed a couple of times but I used those as an opportunity to reconfirm these beliefs.
All of this came about because my adopted mother had to find me for some reason. She said it was to fulfill a promise she made to my grandma but it hasn't escaped me that she waited until I was almost 50. My grandma died in 2005. Is it because statistically I should have been dead too? Always trying to put me in some small little tidy box.
In all my 51+ years not one person has ever bothered to really get to know me. Everyone assumes I am a cliché and then get's annoyed when I don't fit in their nice little box. No one wants to think, especially when it's me making them think. They would rather dismiss me as a fluke or a con artist. Both are wrong. The truth is that I am more normal than most normal people I know. It was my goal to not become a statistic but to be the exception, be the best person I could no matter how bad that is. My life can't really be called a success because I have not achieved financial freedom. That was never my goal because I really hate money and what it does to people. There is a reason the rich stay rich, because they can handle it! Their parents taught them by example and they have a certain energy about them that rest of us understand. Money is a responsibility that not all of us are capable of handling and in irresponsible hands it can have devastating consequences.
If I have money everyone in foster care has money because it will belong to them along with everything else I have. Some day I would like to take care of a ranch that is theirs. A place they can always come if they are in trouble or lost. A ranch that is self sustaining so no government or outside donations are needed to operate the ranch. The taxes are paid by the Federal government because it helps keep some of them out of the system where they would cost the tax payers a lot of money.
A ranch with a lot of animals that are brought there as a last resort due to poor behavior or other issues. A learning ranch for young adults that age out of the system and find they have no where to go. A safe place they can come to get assistance from other people that aged out.
To be continued...
Okay, I’m back. Finally, I realize what it is about paying back a loan I never received, besides never having received it. It’s because if I had stole this money and got away with it I no longer have to worry about getting in trouble for it because the statute of limitations would have run out way before now. Yet I never stole or borrowed most of what they say I owe. The $2,250 I did borrow I have more then paid back. I am not a bad person, I pay back my debts but this is not one of them! For over 35 years this has hung over my head, preventing me from having good credit. Please, please, please I am begging to be let out of this debt. It has ruined my life long enough.
There is something wrong with a country that allows its criminals out of being prosecuted for their crime after enough time has passed but a person trying to better themselves with a higher education is not only held responsible for a loan they took but an even greater one they never got. It’s not like I am making a bunch of money from the info in the classes I never took. I have lived way below poverty level all my life.
Being a foster kid isn't like being a kid at all, it's like being invisible, disposable, sub-human. It's really really hard to be a good person when every one expects the worse from you. They don't even bother to ask you the truth, they punish you instead, for something you didn't do. It's easier to blame the foster child because the alternative is that their child is doing what they aren't suppose to. Not only that they are blaming some one else for it.
It's not like I'm getting a lawyer to sue the pants off the Federal Student Loan mother fuckers that have ruined my adult life with its false accusations and false loan. I have no idea if some one else took this money or what, all I know is that it wasn't me. The loan for $2,250 that I did borrow I have paid off but it looks like I just took out this loan and am not paying it back, please fix this. My credit should have this paid plus interest. The rest needs to be taken off my credit report, please. Thank you in advance,
Believe it or not they finally took the student loans off my credit!!!! YIPPEE!!!! Even though my credit score went down, like I knew it would. It’s funny in a way, my whole adult life My credit has been jammed up with these student loans that I never received so I never established good credit because of them. Now my creditors tell me that I do not have enough experience being in debt to have good credit. WTF? Does this make sense to anyone? Because of the student loans I never got but were on my credit anyway, no one would lend me anything now that they are off I am paying 25% interest on credit cards so I can establish paying something. Thank you very fucking much!!!! The reason why foster kids have a hard time is that the government that is supposed to be taking care of us, cripples us instead. Thank you very fucking much!
It’s so fucked up being an adult without family. No one wats to take a chance on you and who can blame them, the odds are not on your side, no one is on your side. My own boyfriend is not on my side but is only keeping an eye on me for the rest of society. Can you imagine? Peace, is easy to imagine but this shit most people cannot, nor should they have to but I live it everyday. All society does for you is try to get you to kill yourself before you become too much of a burden.
You cannot trust anyone, they all lie. You cannot ever rest because they will make you regret it. No one is your family even when they say they are because their real family will always come before you. They will try to convince you other wise but believing that would be a mistake.