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US Rental Eviction Moratorium Ends: SE Mutual Aid Action Station

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    PhillisherePhillishere Registered User regular
    Sterica wrote: »
    lol they just announced the student loan moratorium is extended through 1/31/22

    “Final” moratorium says Biden, so I guess covid’s done then.

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    shoeboxjeddyshoeboxjeddy Registered User regular
    Bucketman wrote: »
    Sterica wrote: »
    astrobstrd wrote: »
    Bookmarking this because I am ok right now, but holy shit, when student loans come back I will not be.
    Federal or private?

    Federal is very reasonable about working with you. If you make too little you may not even have to make payments.

    Private loans….well, they do have covid related relief options, but I know Sallie Mae will shank you with a knife barbed with smaller, rustier knives. Forbearance is an option, but you only get a few of them, and interest keeps running. My sallie mae balances are now higher than when I started because I was forced to pause them multiple times when I was working retail.

    Federal depends a lot on who the loan servicers are, since that aspect of the federal student loans was privatized and contracted out under Obama. Some are decent and helpful, and some are worse than pay-day loan sharks.

    Fun fact about that, I am under FedLoan, who is currently the biggest loan servicer. Well they are until the end of this year. They are no longer going to be servicing student loans. So its possible the few payments I've made toward my public loan forgiveness will be null and void.

    My student loans changed providers partway through and the transfer was exact (no change in amount). This should absolutely be the case for you, pay careful attention if they do that or not.

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    LadaiLadai Registered User regular
    edited August 2021
    Heads up for folks in Philly: Before evicting you for nonpayment, your landlord is required under city law to both apply for rental assistance and be enrolled in the city’s new Eviction Diversion Program, which city council created in June of last year, I believe.

    Tons of important info about your rights as a tenant and forms here: http://www.phillytenant.org/
    Philly Tenant Hotline for free legal advice and possible representation: 267-443-2500
    Philadelphia Tenants Union: http://phillytenantsunion.org/
    Philadelphia Tenant Union Representative Network (TURN), which provides free, daily renters’ rights workshops on Zoom: https://rturn.net/

    Ladai on
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    Munkus BeaverMunkus Beaver You don't have to attend every argument you are invited to. Philosophy: Stoicism. Politics: Democratic SocialistRegistered User, ClubPA regular
    Sterica wrote: »
    lol they just announced the student loan moratorium is extended through 1/31/22

    “Final” moratorium says Biden, so I guess covid’s done then.

    I mean there have been fifteen or more final fantasies.

    Humor can be dissected as a frog can, but dies in the process.
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    Death of RatsDeath of Rats Registered User regular
    edited August 2021
    It's really fucked up that the US has taken this tact about assistance and the virus and recovery. Most assistance is short term patchwork and not tied to the state of the virus. The whole time it has come off as "you know the debt limit. Yeah, that but with the shelter or livelyhood of a population who has been put in an impossible situation".

    I wonder if a society can collectively feel that feeling a worker feels when they see a coworker die, and management has everyone continue to work around the corpse until emergency services arrive. Cause that's where we ALL work.

    Death of Rats on
    No I don't.
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    rhylithrhylith Death Rabbits HoustonRegistered User regular
    Pinfeldorf wrote: »
    WoN't sOmEbOdy tHiNk oF tHe LaNdlOrdS aNd lOaN SHarKs?!

    God, there was one of those “won’t someone think of the landlords” articles I saw the other day where they didn’t even bother pretending they were interviewing some landlord who owned one or two rental houses. It was straight up the CEO of a rental property company who owned like 12 apartment complexes whining that 3 to 5 percent of their tenants hadn’t sought rent relief from the programs that have been set up since the pandemic, and thus they had to freeze dividends.

    3 to 5 percent.

    Fuck you.

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    PinfeldorfPinfeldorf Yeah ZestRegistered User regular
    The Executive Branch should merely write an EO reclassifying federal Covid assistance money with defense spending, since it's in defense of the country's citizens much more directly than anything our military has done.

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    BucketmanBucketman Call me SkraggRegistered User regular
    Sterica wrote: »
    lol they just announced the student loan moratorium is extended through 1/31/22

    They also said this is the last extension, though I would sure love it to be extended for awhile longer. Not having to pay my federal loans has helped me pay off credit cards and start paying down my private loans more.

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    DisruptedCapitalistDisruptedCapitalist I swear! Registered User regular
    I still don't get what's going on in the housing market right now. If people get evicted, who is going to rent the property now? it's not like job prospects have improved much lately.

    Or is it some kind of scam where landlords can use unoccupied properties as a cover for money laundering?

    "Simple, real stupidity beats artificial intelligence every time." -Mustrum Ridcully in Terry Pratchett's Hogfather p. 142 (HarperPrism 1996)
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    QuantumTurkQuantumTurk Registered User regular
    I still don't get what's going on in the housing market right now. If people get evicted, who is going to rent the property now? it's not like job prospects have improved much lately.

    Or is it some kind of scam where landlords can use unoccupied properties as a cover for money laundering?

    If you have the warchest to play the long game, you want all the rents coming in you can get, while you "renovate" empty units to bump up prices for the eventual later. I'm sure they are also salivating at an excuse to kick out anyone who locked in a reasonable price somehow. Also evictions let you sell it off to those with an even bigger warchest, concentrating housing in ever fewer hands, but you get paid out.

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    DisruptedCapitalistDisruptedCapitalist I swear! Registered User regular
    See? I'm just not creative enough to be a crook.

    "Simple, real stupidity beats artificial intelligence every time." -Mustrum Ridcully in Terry Pratchett's Hogfather p. 142 (HarperPrism 1996)
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    QuantumTurkQuantumTurk Registered User regular
    The depressing reality is it rarely takes a conspiracy. Banality of evil and all that. Like nestle aint buying water rights to secure them for the lizard cabal, they just know people are going to need water, and are willing to deny it to them.

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    DisruptedCapitalistDisruptedCapitalist I swear! Registered User regular
    Exactly, you just need a total lack of empathy and integrity.

    "Simple, real stupidity beats artificial intelligence every time." -Mustrum Ridcully in Terry Pratchett's Hogfather p. 142 (HarperPrism 1996)
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    ProlegomenaProlegomena Frictionless Spinning The VoidRegistered User regular
    So I read this:
    Exactly, you just need a total lack of empathy and integrity.

    Then I tabbed to the next tab and read:
    ...And a megachurch and a Koch Industries drilling and refinery operation


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    DisruptedCapitalistDisruptedCapitalist I swear! Registered User regular
    Eurgh... I'm in a cynical mood this morning. Maybe I need to put the phone down.

    "Simple, real stupidity beats artificial intelligence every time." -Mustrum Ridcully in Terry Pratchett's Hogfather p. 142 (HarperPrism 1996)
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    SorceSorce Not ThereRegistered User regular
    Eurgh... I'm in a cynical mood this morning. Maybe I need to put the phone down.
    Evergreen post.

    sig.gif
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    TefTef Registered User regular

    WASHINGTON (AP) — Supreme Court allows evictions to resume amid pandemic, blocking Biden administration from enforcing temporary ban.

    Mike Balsamo is the Lead Justice Dept. & federal law enforcement reporter for the AP

    help a fellow forumer meet their mental health care needs because USA healthcare sucks!

    Ever tried. Ever failed. No matter. Try again. Fail again. Fail better

    bit.ly/2XQM1ke
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    TefTef Registered User regular
    How many groups have such a deleterious impact on our communities than the average landlord

    help a fellow forumer meet their mental health care needs because USA healthcare sucks!

    Ever tried. Ever failed. No matter. Try again. Fail again. Fail better

    bit.ly/2XQM1ke
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    PinfeldorfPinfeldorf Yeah ZestRegistered User regular
    Tef wrote: »
    How many groups have such a deleterious impact on our communities than the average landlord

    Oh oh oh I've got this one!

    Police officers?

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    PolaritiePolaritie Sleepy Registered User regular
    Pinfeldorf wrote: »
    Tef wrote: »
    How many groups have such a deleterious impact on our communities than the average landlord

    Oh oh oh I've got this one!

    Police officers?

    I mean, I was going to point to the lawless hacks calling themselves justices, but.

    Steam: Polaritie
    3DS: 0473-8507-2652
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    Curly_BraceCurly_Brace Robot Girl Mimiga VillageRegistered User regular
    Does anyone know of somewhere my friend can stay near University Park, Illinois? Cheap rent, sublet, or even just a place to crash temporarily as a stop-gap?

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    StericaSterica Yes Registered User, Moderator mod
    Sterica wrote: »
    lol they just announced the student loan moratorium is extended through 1/31/22

    “Final” moratorium says Biden, so I guess covid’s done then.
    Final Loan Moratorium VII

    Pause extended until December 31st: $10,000 forgiveness or $20,000 if you had gotten a pell grant. This is NOT considered taxable income.

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    milskimilski Poyo! Registered User regular
    And a bunch of changes that amount to "your minimum payments are lower and interest is frozen as long as you make them", which is pretty big.

    I ate an engineer
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    BahamutZEROBahamutZERO Registered User, Moderator mod
    I am annoyed that the biden admin keeps playing chicken with the deadline for the forbearance ending vis a vis announcing whether they're going to extend it or not. That said, some of this stuff sounds like a decent bone being thrown to the debtors?

    https://studentaid.gov/debt-relief-announcement/

    It's not as much as I would be satisfied with but it's more than I expected from this administration. Maybe the instinct to appease voters is warring with the instinct to sneer at the poor.

    BahamutZERO.gif
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    JokermanJokerman Everything EverywhereRegistered User regular
    Holy shit. I may actually be able to retire.

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    AthenorAthenor Battle Hardened Optimist The Skies of HiigaraRegistered User regular
    I am annoyed that the biden admin keeps playing chicken with the deadline for the forbearance ending vis a vis announcing whether they're going to extend it or not. That said, some of this stuff sounds like a decent bone being thrown to the debtors?

    https://studentaid.gov/debt-relief-announcement/

    It's not as much as I would be satisfied with but it's more than I expected from this administration. Maybe the instinct to appease voters is warring with the instinct to sneer at the poor.

    Never forget, for good or ill, that biden campaigned on 10k forgiveness. So he's at least meeting that promise.

    And this announcement seems pretty cut and dry that they are ending the forbearance in January, after this last and final extension runs out.

    He/Him | "A boat is always safest in the harbor, but that’s not why we build boats." | "If you run, you gain one. If you move forward, you gain two." - Suletta Mercury, G-Witch
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    I needed anime to post.I needed anime to post. boom Registered User regular
    There's a few genuinely good things in there that some folks have managed to sneak past the geezers

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    Styrofoam SammichStyrofoam Sammich WANT. normal (not weird)Registered User regular
    The 10k number is so arbitrary. Just some number somewhere south of what his left wing primary opponents offered.

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    MaddocMaddoc I'm Bobbin Threadbare, are you my mother? Registered User regular
    It's the perfect number to piss off the right wing while also not meaningfully accomplishing anything, so it's right in Biden's strike zone.

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    UrielUriel Registered User regular
    As someone who hasn't been to college

    How much does a bachelor's degree cost?

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    DouglasDangerDouglasDanger PennsylvaniaRegistered User regular
    The 10k number is so arbitrary. Just some number somewhere south of what his left wing primary opponents offered.

    Yeah, it will help people, but not enough help for enough people

    Also this is a good explanation of how this won't cause the downfall of the USA

    https://www.theguardian.com/commentisfree/2022/jun/22/us-student-loan-debt-cancellation-joe-biden-cost

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    DocshiftyDocshifty Registered User regular
    As someone who hasn't been to college

    How much does a bachelor's degree cost?

    I have one semester of online classes that cost $9,448

    So. A lot.

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    Styrofoam SammichStyrofoam Sammich WANT. normal (not weird)Registered User regular
    Maddoc wrote: »
    It's the perfect number to piss off the right wing while also not meaningfully accomplishing anything, so it's right in Biden's strike zone.

    It gets close to covering median debt for white students.

    wq09t4opzrlc.jpg
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    DouglasDangerDouglasDanger PennsylvaniaRegistered User regular
    As someone who hasn't been to college

    How much does a bachelor's degree cost?

    Somewhere between 40K and $texas

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    MadicanMadican No face Registered User regular
    Frozen interest is good, lower IBR is good, cutting the twenty years to ten for repayment is good (maybe this'll cut the bullshit for PSLF people)

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    JragghenJragghen Registered User regular
    Yeah, the "here's some money" thing seems significantly less important than the "we're halving the minimum payment and removing all interest if you make that minimum payment" thing.

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    BahamutZEROBahamutZERO Registered User, Moderator mod
    The ten years forgiveness is only if your debt is low enough though. Under $12k. Otherwise I assume the old 20 year clock keeps ticking, if you're on the eligible income based repayment plan and make all your payments.

    BahamutZERO.gif
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    I needed anime to post.I needed anime to post. boom Registered User regular
    Docshifty wrote: »
    As someone who hasn't been to college

    How much does a bachelor's degree cost?

    I have one semester of online classes that cost $9,448

    So. A lot.

    And a huge component of it is not just that initial price - the interest sucks

    liEt3nH.png
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    KwoaruKwoaru Confident Smirk Flawless Golden PecsRegistered User regular
    As someone who hasn't been to college

    How much does a bachelor's degree cost?

    The 2.5 years it took to finally finish mine cost me 60798 in loans

    Now I'm on a 15 year repayment plan at 4.41% fixed interest rate and it currently costs me 470 a month. By the time I have fully repayed it I will have spent a total of 82655 (not counting the money spent on community college but I was working while I did that so I could just pay out of pocket)

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    JavenJaven Registered User regular
    40-50k was the number cited to me by guidance counselor's 20 years ago so I assume that it has gone far above that in the intervening period.

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