UsernameTaken93456

UsernameTaken93456 t1_ja9d75w wrote

Reply to comment by twistedredd in A toast to those massfools who didnt borrow, or did pay their student loans. by Db3ma

So much of this is incorrect

>the government took them over during Obama's time.

The government did not take over student loans during Obama's presidency. From the 1990s on, there were two types of federal loans with the exact same amounts and interest rates. Direct loans or FFEL loans. They consolidated all federal loans into the direct loan process.

>well educated well paid teachers would never cost 70k a year

Ok, and you can't borrow $70k per year in federal loans, at least not as an undergrad. Undergrads can borrow a few thousand dollars a year in federal loans.

>could set limits for the cost of education

How? They can't even set limits on the price of insulin. How are they going to get 3000+ entities to agree on a price?

Look, student loans are a massive problem. I personally think the answer is to stop requiring a college education for every single job, to make sure everyone gets a living wage for full days work, and for the feds to stop giving any funds to private schools and colleges, but that's a mich bigger problem

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UsernameTaken93456 t1_ixi980x wrote

Reply to comment by artificial_bluebird in The 17 victims of the Hingham Apple Store crash might have to share a $40,000 insurance payout. by il_biciclista

Sure.

So this was 20 years ago and I didn't have medical insurance, because I had been laid off and was waitressing.

Now, I would have been on my parents insurance, as I was only 23.

I was hit by a car as a pedestrian and knocked out. I briefly woke up in the ambulance, and again as they were putting staples in my head. I don't remember the MRI, CT or anything like that. I woke up the next day with a bad concussion, a tore rotator cuff and various bruises and road rash. IIRC, it was like $22k before I left the hospital.

Then I had various aftercare appointments - I had to see a neurologist a few times, I needed PT for my shoulder and vestibular therapy for my TBI. One thing I needed but did not get was therapy for what became a pretty bad case of PTSD. 20 years later, and I still don't feel comfortable driving or being in a car.

I couldn't work, because I was a waitress and you can't waitress with one arm and vertigo. There was no "lost wages" coverage, but I was super lucky - my parents were able to help me cover my bills and ended up getting an office job within a few months.

I forget how much my total bills were, but I was staring down the edge of bankruptcy at the ripe age of 23. I ended up suing my mother's insurance company, because I was covered under her umbrella policy.

So, if my parents couldn't have helped me, I would have been homeless and if they didn't have an umbrella policy - or if I had registered to vote in MA or signed a lease- I couldn't have accessed that and I would have ended up bankrupt.

The guy who hit me was broke, btw. Totally judgement proof.

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