June recap: 1. Went back to work at Domino's
2. Took up bad tennis playing with Add
3. Bought a new bike and rode my legs useless
July: The girls camping trip went pretty well but I would definitely say I prefer camping with Mommy and Doug... Its funny how the two city girls are better campers/fire builders/packers than the two country girls! July was also spent working at Domino's only once or twice a week but it was more money than having no job at all!
August: I applied for a bajillion different loans with my mom as a cosigner... I spent a lot of time mapping out my debt, time spent in school, time left until I finish, and of course what the hell am I going to be doing this year?
D-Day... after being rejected for loan after loan after loan and being denied a signature from Steve Kildea Mommy and I went over to Holly to have a chat with Him and Dawn. When we told them what was going to happen if I couldn't get a loan Dawn kept saying how sorry she was that they couldn't cosign (couldn't they have at least tried?)and Steve just reiterated the fact that I will just have to forget school and get a job.
The kicker: They can't cosign because Steve is currently jobless and Dawn is already tied up in Jon's loans and what happens in 10 years if they need to get a new car or a new house and they have this open line of credit... YOU HAVE A BRAND NEW TRAILBLAZER AND THE NICEST MODULAR HOME I'VE EVER SEEN!!! unkick...
The "decision": Krista will return to Chicago to work for the Vaheys and get a second job in order to scrape enough money to pay cheap rent and a hefty loan payment. Do I even have to say I spent the hour long ride home crying and staring out the window at my life, dreams, and future flying away? Didn't think so.
I was in contact with the Vaheys setting up my job and trying to find something else while trying to figure out if I could benefit from taking a class at a city college so I always have my toes in academia and trying to find somewhere to live. At first I was emailing all of the ads posted by females or male undergrads with rooms for rent. Apparently nobody at the University of Chicago can handle living with a 20 year old college drop out. After a stressful period of searching and the threat of being homeless came about I started checking on the rest of the ads: male grad students, PHD candidates, and businessmen. I got in touch with a guy who I assumed was a grad student and was so excited to find a place that I didn't care to know anything but how much money I needed to send to hold the room and when I could move in.
My mom got the results back from the parent PLUS loan she applied for (so she would be denied and I could get another $5000 loan from the feds) and Kicker #2: Approved... 20 year old with excellent credit and mommy cosigner denied. Bankrupt mommy alone, Approved! And so Krista gets fucked again.
I got onto the Columbia admissions site and started doing the math and looked into my past loans to see what their deferment rules are. In order to keep my loans deferred I need to be enrolled in school at least part time... which equals 6 or more credit hours. I figured out that I can get enough federal loans to cover 5 credit hours. My mom applies again for a PLUS loan, this time for Columbia and only for 15 large, and is approved.
The new decision: Krista will take two classes at Columbia which is basically covered by federal loans. Mommy will take out the 15 large (all while hoping the bankruptcy court doesn't hear about it and take her house) which will cover rent for the year. Krista will work for the Vaheys and other various families on the weekends and get another job for the mornings and save all of that money to cover rent for the next year and hopefully another class each semester.
September: I moved back to Chicago on August 30th and mommy and Doug stayed through Monday the 1st since they were both on vacation for our planned Boston trip. I got 25 hours in this week with a family in the city and start working for the Vaheys on Monday. I am setting up a meeting with another woman who needs someone to sit in the morning and will hopefully have all of my time filled with work. I am settled in now, getting used to not living in the city and falling asleep to the Sears Tower, and waiting impatiently for the day when I can go to school full time again.
The Roommate: MC is his name. He was born in India and makes Indian food for dinner every night so the apartment constantly smells gross. Indian food is my favorite food though so I know how to deal with the smell. my mom took it upon herself to ask questions and this is the info: He was born in India and moved to the U.S. 20 years ago and went to Duke. I'm pretty sure he meant he came here for the purpose of going to Duke and not moved here and also went to Duke later on like I hoped. This information ages him at about 38 years old. He told my mom he is starting/has started his own business in consulting, on what we don't know, and works mainly from the apartment on his computer and occasionally in clients' offices. He also mentioned that he travels A LOT!! He will be gone most of October, February, and March so yippee for me having my own place for a while! He's extremely nice and helpful and besides the basic chats in passing and whatnot we both keep to ourselves and all is good.
No comments:
Post a Comment