Ask me about my ocs I am desperate

Carl Frederik Sørensen (Danish, 1818–1879), "Danish Ships in Rough Seas" (details), 1877

Fantasy, Sydney Long

hey it's probably a really good idea to download a copy of your Master Promissory Note since most of them stipulate that your loans are *specifically owed to the Department of Education* and if you intend to dispute the debt in the wake of the DoE dissolving that will be really good to have

log in and then go to My Documents and download a copy of it. i'm serious. if trump dissolves the DoE entirely it may make the debt uncollectable depending on exactly how they do it, and he's too stupid to listen to lawyers that tell him when he's breaking the law. worst case you have an extra PDF on your computer. best case your student loans go away because you signed a contract to pay DoE and no one else. go download a copy.

Love the spirit of this, but they will probably use a debt assignment to legally transfer the debt to a new entity.

Investopedia has an article about the practice here: https://www.investopedia.com/terms/d/debtassignment.asp

Always a good idea to have a copy of your note, though! And the proper transfer process is described in the FDCPA (an act of congress), so if the new debt owner fails to provide appropriate notice, you may have relief options there. (Potentially dependent on the CFPB continuing to function, which it….might not…)

~not legal advice, just work experience in finance~

I stated this elsewhere but the Higher Education Act has specific language about when debt is allowed to be sold - they can't just sell it at any time for any reason, and all the terms of the Act would still apply to the loan since in most cases the MPN stipulates as much (since the actual terms of a promissory note can't be altered without consent even if the payee changes). Specifically, they cannot sell the debt if it "result[s] in any cost to the Federal Government". Reassigning the loans to another agency would incur a massive cost since that agency would have to hire new personnel and build new infrastructure, eliminating the possibility of a sale within the government, and a sale to a private third party would made debt validation very tricky for that party since FERPA would prevent disclosure of a borrower's SSN, student ID number (ergo, the account number), and the itemization of the debt without written consent, meaning in that scenario the borrower could most likely* refuse this disclosure, dispute the debt, and win pretty easily.

*not a lawyer

the bottom line, if they attempt to reassign your loans anywhere... REQUEST DEBT VALIDATION BEFORE PAYING A CENT.

Back in the day, there was an impressive thread on Twitter by someone who sued to challenge the ownership of his student loans after they had been sold & consequently got the debt erased, as reported in the New York Post. Behold:

(sorry I couldn't figure out how to do alt text)

the happy end

hags…. Mostly elias since u know how it is with me…………. dilfcity milfplaza….. you will see some of these again most aren’t finished

i might get embarassed and delete later be kind to me and my old man boobs

sometimes when I'm bored, I go through the list of recent bad faith Wikipedia edits that have since been reverted. a lot of them are politically contentious/offensive topics that attract crazies and trolls in general, but sometimes there are completely innocent inoffensive articles that people attack for no reason. some guy yesterday vandalized the article on the chemical element francium

Francium IS a stupid element. It has a half life of 22 minutes and barely exists at all, only naturally occurring as a product of the extremely rare alpha decay series ²³⁵U ➝ ²³¹Th ➝ ²³¹Pa (𝜷 decay) ➝ ²²⁷Ac ➝ ²²³Fr (1.38% chance). There’s less than a gram of it on earth at any given moment. It has no uses to anybody and it isn’t even the most reactive group 1A element due to relativistic effects fucking up its electron binding energies. Stupid substance.

If you somehow asked a genie to get you a gram of Francium in a sealed vial so you could do an experiment with it, the genie would just give it to you because the enormous amount of radioactivity it produces would instantly vaporize the sample and cook you alive. Absolute dogshit isotope and its synthetic siblings are just the same but worse

found the guy

One small but extremely annoying effect of Tech Modernization or w/e is how UI contrast is garbage anymore, especially just, like, application windows in general.

"Ooh our scrollbar expands when you mouse over it! Or does it? Only you can know by sitting there like an idiot for 3 seconds waiting for it to expand, only to move your cursor away just as it does so!" or Discord's even more excellent "scrollbar is 2 shades off of the background color and is one (1) pixel wide" fuck OFF

I tried to move a system window around yesterday and had to click 3 times before I got the half of the upper bar that let me drag it. Why are there two separate bars with absolutely nothing to visually differentiate them on that.

"Well if you look closely-" I should not!! have to squint!!! at the screen for a minute straight to detect basic UI elements!! Not mention how ableist this shit is, and for what? ~✨Aesthetic✨~?

and then every website and app imitates this but in different ways so everything is consistently dogshit to try to use but not always in ways you can immediately grok it's!!!! terrible!!!! just put lines on things again I'm begging you!!!!

I know I sound like a broken record when I praise Windows 95 UI, but holy fuck Microsoft figured this shit out already about 30 years ago. It's all there, black and white, clear as christmas:

So much of modern UX woes stem from not knowing, or intentionally ignoring the genuine design study put forth into GUIs in the 90s.

3D elements are 3D in a specific way with lighting from a specific side to make it obvious where a window element begins and ends.

The gradient always should from from one side, and keep it consistent.

Make your color shading and shape of scroll bars consistently side and easy to press. I have a 4K display, don't make me hunt for the magic activation pixel that makes your 3-pixel wide scroll bar appear.

It's a desktop application, I've got the screen real estate to spare to have the actual GUI elements present on screen at all times (I know, heresy).

The moment aesthetic takes precedence over form and function, you've failed as a UI designer.

And any argument about "we don't have the resolution" can go right out the window, we were having nice, clear and legible interface widgets on nine inch screens in 1984. We continued to have nice, clear and legible interfaces on machines vastly less powerful than today's and on screens vastly less pixel-dense than today's. We used to know what the hell we were doing. At least one of these examples even has on-screen instructions in case the widgets functionality isn't immediately apparent.

(images sourced from The GUI Gallery)

since this has come back to my dashboard again i want to call attention to one more thing that these GUIs have that modern ones don't even try to do.

RESIZE WIDGETS.

Do you tire of trying to grab and resize a window whose border is literally only 1 pixel wide?

Do you see how large the corner widgets are in those clips above? Those are at least 16x16 pixels. They're almost as large as the Close buttons on a modern GUI. If you can see the bottom right corner of your window, resizing it is a snap. You can aim much more easily at a 16x16 widget than you can at a one-pixel-wide vertical line.

OK, maybe technically Windows' borders are wider than 1 pixel. They're technically 3 pixels. That is still just really goddamn tiny compared to 16 of them.

We used to be a society. Look at this. Look at this.

WINDOWS FUGGIN' 95 HAD THE CORNER WIDGET. Why the hell can't Windows 11?

Did I ever talk abt the time i was at a bdsm club and one of the pups was on all fours and barking and being cute and the dom on scene was like “hi puppy! Do you do any tricks?” And he said “I can beatbox!”

I was like. Doubled over incapacitated laughing the entire time. He was really good and a big sweetheart and I felt kinda bad but I couldn’t stop thinking “why the am I getting the beatboxing puppy unskippable cutscene at the bdsm club”

Tornado

I want every non-Midwesterner to know that we are drilled in tornado safety from a young age and know exactly what we should do to keep ourselves safe. And yet we do exactly as pictured in the bottom image every time a tornado comes around.

I’m watching Splash (1984) which is a romcom about a guy who falls in love with a mermaid, and when she chooses a human name she chooses Madison and guy says “that’s not a real name, but alright” which seems to imply that Madison was not a name until at least the 80’s and all girls named Madison are actually named after the mermaid. thought you should know

I think...you might be right

I love moon............

doodles in sticker form

Swimming together