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DOE says PSLF language in MPN does not provide borrowers with contractual right

"With regard to incorporating a description of the publ...
alcoholic rose friendly grandma range
  05/20/17
Can you argue you such a contract is unconscionable and that...
aromatic ebony mother boltzmann
  05/20/17
of course. will it matter?
alcoholic rose friendly grandma range
  05/20/17
Can you sue the Feds?
aromatic ebony mother boltzmann
  05/20/17
bivens
Swashbuckling Theater
  05/20/17
Devos!
alcoholic rose friendly grandma range
  05/20/17
HEHEHE
Hateful voyeur half-breed
  05/20/17
Thanks Trump
Effete titillating indian lodge
  05/20/17
This would be a great fact pattern for a Ks exam
adventurous prole deer antler
  05/20/17
Earl begins furiously fapping
Arousing stag film sandwich
  05/20/17
*demands his slave fap him as he is busy playing COD
flesh hospital
  05/20/17
tbf, this is obviously only DOE's interpretation. but isn't ...
alcoholic rose friendly grandma range
  05/20/17
good. taxpayers shouldn't subsidize your education
irradiated ratface laser beams
  05/20/17
(((GC))) cuck
alcoholic rose friendly grandma range
  05/20/17
no you little fag. i repaid 270k in loans by making sacrifi...
irradiated ratface laser beams
  05/20/17
...
lemon school cafeteria
  05/20/17
you seem smart enough then to have seen this coming. even o...
irradiated ratface laser beams
  05/20/17
so "just do believe that the government willfully swind...
lemon school cafeteria
  05/20/17
yes dude. insane that millennials are so naive about this. ...
irradiated ratface laser beams
  05/20/17
i can see why you and others might have been skeptical about...
lemon school cafeteria
  05/20/17
well come on it wasnt fraudulently induced. it was that you...
irradiated ratface laser beams
  05/20/17
the government now feels a lot different than the government...
lemon school cafeteria
  05/20/17
for your sake im sorry this is happening, but it wouldve hap...
irradiated ratface laser beams
  05/20/17
i see that now. my financial life will be ruined without PS...
lemon school cafeteria
  05/20/17
i'm a tranny so i honestly dont know the answer to this q bu...
irradiated ratface laser beams
  05/20/17
maybe? i haven't really looked because i want to stay in th...
lemon school cafeteria
  05/20/17
If you have legit trial experience, you are more prepared fo...
Duck-like thirsty meetinghouse boistinker
  05/20/17
This type of analysis is not black and white.
Duck-like thirsty meetinghouse boistinker
  05/20/17
i know. it makes sense that someone who sacrificed to pay o...
lemon school cafeteria
  05/20/17
No, I was referring to your analysis of various employment o...
Duck-like thirsty meetinghouse boistinker
  05/20/17
ah, right. to be sure, though, the possibility we're talkin...
lemon school cafeteria
  05/20/17
do you have a throw away email address?
Duck-like thirsty meetinghouse boistinker
  05/20/17
...
lemon school cafeteria
  05/20/17
There is a large portion of society who hold this view and m...
Duck-like thirsty meetinghouse boistinker
  05/20/17
You aren't getting swindled you douchebag. YOU are doing the...
adventurous prole deer antler
  05/20/17
...ok.
lemon school cafeteria
  05/20/17
You can't do that after the fact.
aromatic ebony mother boltzmann
  05/20/17
this is a dumb view. people took loans on the basis of that ...
Boyish Gay Wizard Gas Station
  05/20/17
relying on the government's promise for anything a couple ad...
irradiated ratface laser beams
  05/20/17
They already start making you withdraw from 401k at 70.5.
aromatic ebony mother boltzmann
  05/20/17
jobs at the state AG, PD, DA/SA, USAG will become jobs solel...
Godawful area
  05/20/17
That's a feature, not a bug. Besides, the military will rema...
Duck-like thirsty meetinghouse boistinker
  05/20/17
IMO this won't get through congress without major changes. ...
Khaki Medicated Abode
  05/20/17
Backlash from millennials​ LOLOL good one!
hairraiser ruddy station
  05/20/17
It does seem to be a tactical error to motivate youngs to vo...
alcoholic rose friendly grandma range
  05/20/17
Lol
peach racy sanctuary becky
  05/20/17
1800000
Provocative Famous Landscape Painting Immigrant
  05/20/17
i took a shitty state job based on PLSF. if it goes away, i'...
House-broken angry parlour
  05/20/17
I think a realistic compromise is to cap forgiveness at like...
hairraiser ruddy station
  05/20/17
If my PAYE benefits are negatively affected by any legislati...
Bipolar newt chapel
  05/20/17
...
Curious National
  05/20/17


Poast new message in this thread



Reply Favorite

Date: May 20th, 2017 10:32 AM
Author: alcoholic rose friendly grandma range

"With regard to incorporating a description of the public service loan forgiveness benefit in the MPN, the Department is already taking steps to refer to the program in the MPN and other program documents. However, the MPN will continue to state, as it currently does, that the terms and conditions of the loans are subject to the HEA as it is amended in accordance with the effective date of those amendments. Although there is no history in the program of Congress eliminating or reducing a borrower benefit, the Department does not believe that a reference to the public service loan forgiveness program in the MPN would provide the borrower with a contractual right to the benefit should Congress take action to eliminate that benefit from the HEA as of a particular effective date."

https://www.gpo.gov/fdsys/pkg/FR-2008-10-23/pdf/E8-24922.pdf

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351032)



Reply Favorite

Date: May 20th, 2017 10:37 AM
Author: aromatic ebony mother boltzmann

Can you argue you such a contract is unconscionable and that nobody would've entered into one where the rug can be pulled out at the last minute?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351050)



Reply Favorite

Date: May 20th, 2017 10:40 AM
Author: alcoholic rose friendly grandma range

of course. will it matter?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351056)



Reply Favorite

Date: May 20th, 2017 11:05 AM
Author: aromatic ebony mother boltzmann

Can you sue the Feds?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351190)



Reply Favorite

Date: May 20th, 2017 11:15 AM
Author: Swashbuckling Theater

bivens

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351243)



Reply Favorite

Date: May 20th, 2017 12:00 PM
Author: alcoholic rose friendly grandma range

Devos!

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351494)



Reply Favorite

Date: May 20th, 2017 10:41 AM
Author: Hateful voyeur half-breed

HEHEHE

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351057)



Reply Favorite

Date: May 20th, 2017 11:01 AM
Author: Effete titillating indian lodge

Thanks Trump

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351170)



Reply Favorite

Date: May 20th, 2017 12:26 PM
Author: adventurous prole deer antler

This would be a great fact pattern for a Ks exam

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351620)



Reply Favorite

Date: May 20th, 2017 12:29 PM
Author: Arousing stag film sandwich

Earl begins furiously fapping

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33351632)



Reply Favorite

Date: May 20th, 2017 3:52 PM
Author: flesh hospital

*demands his slave fap him as he is busy playing COD

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352769)



Reply Favorite

Date: May 20th, 2017 2:55 PM
Author: alcoholic rose friendly grandma range

tbf, this is obviously only DOE's interpretation. but isn't case law on estoppel not in our favor when suing the govt?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352321)



Reply Favorite

Date: May 20th, 2017 2:56 PM
Author: irradiated ratface laser beams

good. taxpayers shouldn't subsidize your education

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352332)



Reply Favorite

Date: May 20th, 2017 2:57 PM
Author: alcoholic rose friendly grandma range

(((GC))) cuck

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352336)



Reply Favorite

Date: May 20th, 2017 3:02 PM
Author: irradiated ratface laser beams

no you little fag. i repaid 270k in loans by making sacrifices. handout eating faggots like you need to get shot into space

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352362)



Reply Favorite

Date: May 20th, 2017 3:12 PM
Author: lemon school cafeteria



(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352438)



Reply Favorite

Date: May 20th, 2017 3:15 PM
Author: irradiated ratface laser beams

you seem smart enough then to have seen this coming. even obama talked about instituting a pslf cap well lower than the average law school debtor's debtload. grad school forgiveness is a tough sell.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352464)



Reply Favorite

Date: May 20th, 2017 3:17 PM
Author: lemon school cafeteria

so "just do believe that the government willfully swindles its citizens in its commercial dealings?"

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352478)



Reply Favorite

Date: May 20th, 2017 3:19 PM
Author: irradiated ratface laser beams

yes dude. insane that millennials are so naive about this.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352501)



Reply Favorite

Date: May 20th, 2017 3:21 PM
Author: lemon school cafeteria

i can see why you and others might have been skeptical about the program from the outset. but it's a big jump from "you should have seen this coming because the government is a bunch of grifting scumbags" to "it's your fault that you got swindled and it's morally wrong for you not to pay your fraudulently induced debt."

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352529)



Reply Favorite

Date: May 20th, 2017 3:24 PM
Author: irradiated ratface laser beams

well come on it wasnt fraudulently induced. it was that you chose an employment path afterwards (you had no idea as an 0L applicant that you would've been able to land a DOJ, etc job) on reliance on something that you should've known better than to rely on. anything where the time horizon is longer than the current administration is unjustifiably risky given the government's current fiscal situation and entitlement load

you and the military guys are the types that i feel the most empathy for fwiw

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352552)



Reply Favorite

Date: May 20th, 2017 3:29 PM
Author: lemon school cafeteria

the government now feels a lot different than the government when i made all of the relevant decisions. i just don't think it was that unreasonable for me to have relied on the promise then. now? of course i would have chosen biglaw.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352601)



Reply Favorite

Date: May 20th, 2017 3:32 PM
Author: irradiated ratface laser beams

for your sake im sorry this is happening, but it wouldve happened under any future admin, dem or repub. again, obama started pushing the 57k cap but because no one was coming up for eligibility during his term he instead kicked the can as he often did

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352627)



Reply Favorite

Date: May 20th, 2017 3:49 PM
Author: lemon school cafeteria

i see that now. my financial life will be ruined without PSLF, but the uncertainty doesn't bother me as much anymore. i'll definitely try to join any lawsuit that results if they retroactively repeal it, and the chips will fall where they may.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352744)



Reply Favorite

Date: May 20th, 2017 3:55 PM
Author: irradiated ratface laser beams

i'm a tranny so i honestly dont know the answer to this q but does biglaw take in 5th year AUSAs? maybe a drop in class year but cant imagine you dont have any higher paying employment opps in the private sector.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352794)



Reply Favorite

Date: May 20th, 2017 4:01 PM
Author: lemon school cafeteria

maybe? i haven't really looked because i want to stay in this job if at all possible. i'm in a flyover office that doesn't do the most sophisticated crimes, though. i've done some simple fraud and tax-evasion cases, but nothing that would prepare me to join a white-collar group doing FCPA work or anything like that. you don't know any lit bros who came from USAOs?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352834)



Reply Favorite

Date: May 20th, 2017 5:13 PM
Author: Duck-like thirsty meetinghouse boistinker

If you have legit trial experience, you are more prepared for the job than 99.9% of biglaw attorneys.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353329)



Reply Favorite

Date: May 20th, 2017 3:35 PM
Author: Duck-like thirsty meetinghouse boistinker

This type of analysis is not black and white.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352648)



Reply Favorite

Date: May 20th, 2017 3:51 PM
Author: lemon school cafeteria

i know. it makes sense that someone who sacrificed to pay off a huge debt load would resent forgiveness for others. i just wanted to give my perspective from the other side.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352765)



Reply Favorite

Date: May 20th, 2017 5:19 PM
Author: Duck-like thirsty meetinghouse boistinker

No, I was referring to your analysis of various employment options. When you were making your decision on whether to stay in the AUSA's office, you should have discounted the amount of loans you expected to be forgiven to account for the uncertainty of realizing the full forgiveness of your loans. As someone else pointed out, it was fairly evident that something was going to be done to limit PLSF, even if dems had a say in it.

On an unrelated note, I have a question relating to your job. Bump this if you are around.



(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353362)



Reply Favorite

Date: May 20th, 2017 5:31 PM
Author: lemon school cafeteria

ah, right. to be sure, though, the possibility we're talking about isn't congress retroactively repealing PSLF; it's congress retroactively repealing PSLF and shitlib courts don't side with the poor public servants. i think that the latter is still pretty unlikely, but biglaw is still probably the right choice when you factor in non-financial considerations like the stress from worrying about retroactive repeal.

what's up?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353423)



Reply Favorite

Date: May 20th, 2017 5:42 PM
Author: Duck-like thirsty meetinghouse boistinker

do you have a throw away email address?

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353532)



Reply Favorite

Date: May 20th, 2017 5:52 PM
Author: lemon school cafeteria



(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353585)



Reply Favorite

Date: May 20th, 2017 3:24 PM
Author: Duck-like thirsty meetinghouse boistinker

There is a large portion of society who hold this view and make decisions accordingly.

As I mentioned in the other thread, when you stand to benefit from government largesse that is directed towards one of the party's favored groups, it is foolhardy to not discount the value of the future benefit to account for the possibility that the law may be changed.



(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352556)



Reply Favorite

Date: May 20th, 2017 3:34 PM
Author: adventurous prole deer antler

You aren't getting swindled you douchebag. YOU are doing the SWINDLING

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352638)



Reply Favorite

Date: May 20th, 2017 3:01 PM
Author: lemon school cafeteria

...ok.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352359)



Reply Favorite

Date: May 20th, 2017 3:09 PM
Author: aromatic ebony mother boltzmann

You can't do that after the fact.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352407)



Reply Favorite

Date: May 20th, 2017 3:11 PM
Author: Boyish Gay Wizard Gas Station

this is a dumb view. people took loans on the basis of that being the deal. if you think thats bad policy, fine, change it going forward. its immensely shitty to change it retroactively after the debt has been incurred on the basis of the deal that was on offer

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352422)



Reply Favorite

Date: May 20th, 2017 3:12 PM
Author: irradiated ratface laser beams

relying on the government's promise for anything a couple administrations down the road is retarded. same thing is going to happen to 401kmos

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352439)



Reply Favorite

Date: May 20th, 2017 3:17 PM
Author: aromatic ebony mother boltzmann

They already start making you withdraw from 401k at 70.5.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352482)



Reply Favorite

Date: May 20th, 2017 3:07 PM
Author: Godawful area

jobs at the state AG, PD, DA/SA, USAG will become jobs solely for the elite with political aspirations or those with full rides if law school means 300k+ loans with no forgiveness type programs.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352397)



Reply Favorite

Date: May 20th, 2017 3:15 PM
Author: Duck-like thirsty meetinghouse boistinker

That's a feature, not a bug. Besides, the military will remain a big pipeline for non-elite into these types of jobs.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352462)



Reply Favorite

Date: May 20th, 2017 4:05 PM
Author: Khaki Medicated Abode

IMO this won't get through congress without major changes. It won't be retroactive - the backlash from millennials would be too yuge, and we outnumber boomers now.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33352868)



Reply Favorite

Date: May 20th, 2017 6:23 PM
Author: hairraiser ruddy station

Backlash from millennials​ LOLOL good one!

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353711)



Reply Favorite

Date: May 20th, 2017 6:41 PM
Author: alcoholic rose friendly grandma range

It does seem to be a tactical error to motivate youngs to vote in 2020 for a dem promising them loan foregiveness. The number youngs/ 30 somethings this fucks over is probably in the millions.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353819)



Reply Favorite

Date: May 20th, 2017 5:08 PM
Author: peach racy sanctuary becky

Lol

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353302)



Reply Favorite

Date: May 20th, 2017 5:22 PM
Author: Provocative Famous Landscape Painting Immigrant

1800000

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353378)



Reply Favorite

Date: May 20th, 2017 5:31 PM
Author: House-broken angry parlour

i took a shitty state job based on PLSF. if it goes away, i'm looking at a pay off in 3-4 years. i'll be 37 without a dollar to my name.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353422)



Reply Favorite

Date: May 20th, 2017 6:26 PM
Author: hairraiser ruddy station

I think a realistic compromise is to cap forgiveness at like 20K, with the balance transferred to new PAYE.

Looks like PAYE/IBR are going to 30 years and will be probably be extended out to perpetuity before any forgiveness is ever given.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353732)



Reply Favorite

Date: May 20th, 2017 6:33 PM
Author: Bipolar newt chapel

If my PAYE benefits are negatively affected by any legislation, then the IRS an say goodbye to ever getting another penny from me. Europe here I come.

(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353777)



Reply Favorite

Date: May 20th, 2017 6:46 PM
Author: Curious National



(http://www.autoadmit.com/thread.php?thread_id=3620553&forum_id=2#33353860)