The panic begins to set in...
My mom called me a couple weeks ago and said, "So, you know your private loans start at the end of January, right."
Oh yes, that's it. The tightness in my chest, the tunnel vision, the sweaty palms. The tiny, triple digits in my bank account dwarfed by the massive, six-digit number printed on my lender's letters.
It's pretty fair to say that I hate my Private Lender. I didn't have this blog way back when I had a death-match with PL when they forced me to get a co-signer for my last two years of law school, for no reason whatsoever, even though my credit was still good (actually, the angry dual was over the fact that when they decided this, I was in studying in Chile for the summer - a representative left one phone message with my subletter in DC, who forgot to tell me, and since PL couldn't be bothered to notify me any other way, they just denied my loan for my second year, which I didn't discover until I went to go pick up my check for fall semester. Try explaining that to your landlord. Or the grocery store.) Then the second death match came over my undergraduate loans, which they took out of in-school deferment during my second summer in law school, for no reason at all.
Now my mom, as my cosigner, has a whole new $100,000 reason to fear my death, aside from that whole 'daughter' thing. She also gets all my mail from PL over a month before me, because they can't seem to figure out that I've moved. I changed it once on the website, but it didn't take, and now they website just gives me errors. I keep forgetting to call them, but pretty soon the post office is going to tire of this this shell-game and stop forwarding my mail.
Anyway, my loans start January 27, and I have absolutely no idea how I'm going to pay them. I'm thinking about selling a kidney on the black market. Those are the organs that grow back, right? No? Well, I never felt it was earning its keep anyway, so I'm going to have to outsource it. I digress. I just tried putting the loans in deferment, but apparently private lenders aren't as amenable to that idea as the federal government is. Oh, and when I tried to download the form so I could do some horrible "interest only payments for two years" program, the file was some nonsense that wouldn't open.
Ah, the panic. The panic. Did any of you out there consolidate your private loans? I just submitted an app to Graduate Leverage, but other ideas are appreciated.