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.

Just in time for Valentine’s Day... 💔 

Ready to break up with Google?

So are we!

We’ve rounded up a bunch of privacy-centric alternatives for everything Google.

Check out the full list over on the blog!

- The Ellipsus Team xo

Fun fact, on top of being staunchly against genAI, ellipsus literally has an Export To AO3 button. I do the majority of my writing in LibreOffice, but I've been moving all my GDocs over to ellipsus for a bit and I really love the interface. If you're looking for an alternative to GDocs, this is The One.

in loving memory of tumblr's april fools' pranks 💐 2014 - 2024

icymi, tumblr used to do an elaborate april fool's prank every year, but this year they suddenly stopped. here's a somewhat detailed recap of everything they did over the decade:

2013 - mishapocalypse (honourable mention): tumblr staff didn’t start doing april fools until 2014, but the mishapocalypse happened on tumblr in 2013 and i feel like this list would be incomplete without it

2014 - tumblrpro: upon opening your dash you were greeted by an “inspirational” video, that ended with the option to get “tumblrpro (for free)”. all it did was put a top hat on your icon.

2015 - tumblr executivesuite/coppy: a copying machine appeared in the corner of your dash. it would offer tips on how to use tumblr, like clippy the paperclip used to do in microsoft word. as the day went on, it slowly broke down and died right in front of your eyes. many people hated him (but not me). you could also make a (small) spreadsheet. @executivesuite2016 is the official blog.

2016 - this is decision/lizard election/tumblrdecides: a parody of the 2016 US elections. there were 4 lizards (well, one of them turned out to be a salamander in a scandal) to vote for. the dash looked different and there was a live news report with election updates, as well as an election blog for each lizard. they all had their own slogans and you would get an "i voted" button after you voted that would get slapped next to your icon. there were built-in functions to make an election poster for your favourite lizard and to create a text post that supported your lizard of choice that autogenerated a statement for all your followers to read. imo tumblr’s april fools peak. @thisisdecision2016-blog is the official blog, @mop-2016-blog @wretchedtooth @timefordeborah-blog were candidates. rick also had a blog (rick-official) but that now seems to have vanished because he ended up dropping out of the election. mop won, if you're curious. by far the most elaborate prank tumblr ever did.

2017 - horse friend: a tamagotchi-inspired game where you had to take care of a little horse in the corner of your screen. it came with a randomly generated name, and you had to feed and clean up after it. if you didnt take good care of it, it died. you could then hatch (yes, hatch) a new one. there was also an option to look at the names of all your dead horses. this is now available to buy in the tumblr shop. @horse-friends is the official blog.

2018 - tumblcoin: a parody of cryptocurrency (this was the year bitcoin took off). you could ‘invest’ in tumblcoin, with which you could in turn buy things with to spice up your dash, including last year’s horse friend, coppy from 2015, and a frame for around your icon. you could share the amount of tumblcoin you owned in an automatically generated gif post which would be tagged #tbc2018 and #tumblcoin. @tumblcoin is the official blog.

2019 - @memories: this blog still functions the way it did on april fools itself! it's like mad libs, where it takes post templates and then adds in tags you use a lot and users you frequently interact with on your main blog. like a personalized shitpost bot.

2020 - group chat prank/@storybot: it was so hard to find info on this because it was contained entirely in the now-defunct group chat function, which no one used. i had to go through the notes of this post for information because no one cared enough to actually write anything explaining it. turns out, you could write a story with your mutuals by adding storybot to your group chat. it also kept working after april fools (well, up until the group chats were deleted) just like memories. many people missed out on it entirely because they did not use the group chat function.

2021 - tumblcryptids: tumblr allowed you to adopt “non-fungible tumblcryptids”, a parody of NFTs. clicking a button that said "Summon thy Tumblrcryptid" would spawn an image of a little blob-shaped creature with a short description, which would always read "Hi! My name is [randomly generated name]. I love [thing most people like]. I hate [thing most people dislike]. Like my parent, I can't get enough of #[tag from your main blog]." you could share them in a post, which would automatically add the tag #NFTumblcryptids to your post. and yes, people on the piss on the poor website freaked out about it because they thought they were real NFTs harming the environment. @tumblcryptidadoptioncenter is the official blog.

2022 - click-a-thon: when you clicked a light switch on your dashboard, a bunch of colourful things showed up, like a sponge you could move around, an "engagament meter", clickable buttons, and a “Summon Crab!” button, which would summon a crab when you clicked it. you could. the crabs, like horse friend, are still available in the tumblr store as of 2025. here's some screenshots. there were various ways to share your crab activities, which would all get tagged #april fools 2022. the prank was presented as a marketing technique created by Brick Whartley, a fictional businessman character created by tumblr, who (afaik) originated in a post on the official blog of the 2018 april fools prank, albeit originally in a different role. around this time he also started functioning as the mascot for tumblr's shop ( @emporium )

2023 - abstract reactions (emoji reacts): buttons were added to every post that allowed you to add emoji reactions, many of them based on tumblr inside jokes (horse as a reference to horse plinko/horse friend, vanilla for the vanilla extract meme, pikaman, bug for bug race, and brick whartley, who wasn't a meme but staff really wanted him to be). if one specific emoji was used a certain amount of times it would add an effect to the post, eg many cheese emoji reacts would cover the post in cheese. this was also attributed to Brick Whartley ("his" blog @brickwhartley also documented the day)

2024 - boop-o-meter: allowed you to “boop” other users who had opted in to the booping, like facebook’s poke feature back in the day. depending on how long you held the button, you would either boop, super boop, or evil boop. on the dashboard there was a counter for both how many times you had booped others and how many times others had booped you, as well as how many boops were given side-wide. when booping someone, an image of a cat paw appeared. you would get badges (which can still be used) for booping 1, 100 and 1000 times. if you got more than 999 boops, the counter would simply say “WOW”. this was brought back for halloween 2024 (as BOOp-o-meter. get it), with a ghost, skeleton and mummy paw. no official blog, but here's an official recap for april first from staff. i believe this was the only april fools prank that was mobile user friendly.

2025 - @fandom is running some polls, i guess

"Rationalism" is up there with "Objectivism" in terms of "definitionally funny things to call your own belief system".

"Yeah man I've been doing some thinking and philosophy and I've come up with a framework called Being Right"

lame ass gadgetjob

We literally cannot let them start charging 80 dollars for video games 70 dollars was already outrageous 60 was pushing it. 80 fucking dollars. ARE YOU OUT OF YOUR DAMN MIND. For MARIO?!?!?!?!?

Republicans: we can just have Elon Musk go to Wisconsin and give everyone money. He'll give them a million dollars. It's all legal as long as we hold power forever and can stop anyone from doing anything to stop us. All of Wisconsin is bribed, nothing can go wrong now

The invincible Susan Crawford:

NBC news: https://www.nbcnews.com/politics/elections/wisconsin-supreme-court-election-results-rcna198353

me in the spring sun

me in th

me in the spring grass

It is not enough to get into a comfy sleeping position- one must go through several and spin like a rotisserie chicken to arrive at the position you started with.

“what have you been up to lately?” i don’t leave the house

Happy Anniversary. This is the original post. On this day in 2011 I was doing a charity drive for the natural disasters in Tōhoku and drew this. A few hours later I turned it into a gif and posted it here.

Here’s the original doodle before I drew it into a GIF

Cory Booker has been talking in the senate for over 20 hours now

He’s not filibustering. He’s protesting the current administration.

For those of you from outside the US or those of you who didn’t pay attention in government class, in the US senate there’s really no limit to the amount of time a senator can speak. So sometimes if they don’t want a bill to pass they just. Don’t stop talking. To hopefully get past the deadline to vote on a bill. This is called filibustering.

Senator Cory Booker isn’t doing that. He’s disrupting “the normal business of the United States Senate for as long as I am physically able”. Just in protest. This doesn’t usually happen.

He’s less than 20 minutes away from breaking the record of the longest speech given on the senate floor

Cory Booker has officially broken Strom Thurmond’s record for longest speech on the senate floor and he’s still going

For those of you wondering what he’s been talking about this whole time, his staff wrote down a bunch of stuff for him to read like stories from people across the political spectrum opposed to what the administration is doing. He’s also been telling personal anecdotes about meeting important civil rights leaders and other democratic senators have been pausing him for “questions” but the questions have been as long as a small speech and have both served the purpose of giving him a second to sit down and updating him on the news that he’s been missing while he’s been talking.

He has yielded the floor at 25 hrs and 4 mins. His eyes are so wide they look like they’re going to bug out of his skull so I don’t blame him for stopping. He said to go out and get in some good trouble.

it's worth noting that Strom Thurmond set the record filibustering the Civil Rights Act of 1957 and Cory Booker is one of only 14 Black people to ever serve in the US Senate.

my white ass is not immune to the nostalgia of viva la vida by coldplay

me when viva la vida comes on