Feb. 13th, 2010

Sometimes I worry that I don't get enough sleep. I certainly don't get the recommended eight hours a night. But then every time I sleep in on a weekend I wake up with a headache from sleeping in the wrong position for too long, so perhaps not sleeping the recommended amount works for me, in a weird way.

I'm up to page eighteen of Charitable Getting in rewrite. I knew the first chapter was going to suck out loud to rework, but as pleased as I am with what I'm doing, it's been hard going. I've streamlined the characters quite a bit in order to introduce them more slowly and I think that's working, it's just taking forever. This went a lot faster with Nameless, but then Nameless was a less complicated book, character-wise. Plus Nameless was in first-person, which I find much easier to write in (one of the reasons I deliberately didn't do it with Charitable Getting).

In the continuing saga of my student-loan-abatement process, Direct has finally contacted me to say that they're consolidating my loans. I applied on December 7; I got the letter on February 12, to give you an idea of the kind of time it takes to get all the ducks in a row.

The letter contains a summary of my consolidation amounts, along with information about what payment plan I'm on and what payments-per-month that will mean. It tells me that I have ten days from the date on the letter to contact them with any corrections, after which they'll move the process forward. The date on the letter is February 5th, which means that Monday would be my last day to contact them. That's kind of a narrow window, so if you are consolidating I advise you to watch sharply for that letter and read it as soon as you get it.

They accepted both loans that I listed on my application, so I don't need to contact them about anything. I've been moved into the Extended-Graduated plan, which will immediately reduce my student loan payments from $260 a month to $180.

The next step is to complete my application for Income-Based Repayment and submit it, which is not as simple as filling out a form -- I also have to provide wage statements that were sent within the last sixty days, so hold onto your pay stubs.

As soon as I make this month's payment to Direct, the clock starts ticking on those ten years of payments I need to make in order to take advantage of PSLF. Ten years seems like forever; when my student loan payments are complete I will be forty-and-a-half. But in April I'll have been writing this journal for seven years, and that seems like nothing, so that's perspective for you.

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