Sure, it’s not worldwide news and yeah, it’s only six days, but I was surprised at a few things over the last few days. First, I was surprised that it has been two years since I worked out for five days in a row. That’s crazy and it’s really amazing how, once you stop working out regularly, you don’t realize that so much times goes by without a sustained workout program. By the way, I distinctly remember those five days in May 2007 because I walked around Deal, NJ for the first three of those days (which were 3 – 4 mile walks in the evening each time) and I spent the next two days at the now-closed Ocean Fitness Center on Route 35 in Ocean Township, NJ.

Second, I was surprised at how quick the past six days went by. Since I started working full-time in August 2006 I’ve stated over and over again that the 40 hour work week and the 10 hours of commuting each week have been disastrous to my working out. Anyone who tries to get a good workout in when they spend at least 50 hours a week away from home will agree to that statement. Yet, now that I’m a member of a gym that is located a mile and a half (or so) from where I live, there is almost no time spent getting to and from the gym and it’s easier to fit a good hour’s worth of working out into my already strained schedule.

Finally, I was surprised at myself for waking up at unGodly hours during the work week and arriving at the gym between 5:45am and 6:15am each day. That’s crazy. I hate getting up early – hate it! No, I don’t mean that I hate getting up at 6:30am to get ready for work – that’s normal. But getting up between 4:30am and 5:00am is just aggravating. I’ve also been going to bed a little bit earlier around 10:30pm or 11:00pm. That’s a big change from the normal time that I was going to bed, which was around midnight.

I don’t think that I’ll keep this streak going much longer (who knows), but I am pleased to know that when I start teaching at nights again this summer (hopefully), in the fall, and next spring that I’ll be able to keep my workouts going by just going to workout early in the morning!

My name is Joe and I am contacting you about the Public Service Loan Forgiveness Program created by the College Cost Reduction and Access Act of 2007. I have been working, full-time, for nonprofit organizations since May 2005. I have approximately $56,000 in federal student loans (a Direct Loans consolidation loan) and $48,000 in private student loans.

I understand that the private student loans do not qualify for the new provisions, however, I want to confirm that my Direct Loans consolidation loan does qualify. Also, I’ve read that the new regulations apply to payments made from October 2007 forward. Since I make my payments each month, does this mean that I can count my last 14 payments towards the 120 required for the balance of the loan to be forgiven? Is there anyway to count the previous monthly payments that I’ve made since I began repayment in July 2006?

Please let me know if you need any additional information. This is exciting news!

And here is the response from the program administrator in Washington, DC.

Good Morning Joe,

Your Direct loan consolidation loan will qualify for the forgiveness, and will count payments beginning on October 2007 forward. So, all payments made from the Oct. date on will count towards the 120 payments. Sorry, none of the payments made before that date can or will count towards the 120 payments. I’m glad that the public service forgiveness program will be a great benefit for you. If there is anything else I can do to help, please let me know.

A very friendly response from the feds – I like it! I thought that I should return the favor with a comment or two of my own and another question or so.

Thank you so much for the information! A final question or two.

First, do the 120 payments need to correspond to 120 months? Or if I make two payments in one month does that count as 2 payments towards the 120?

And finally, is there anything that I need to sign up for in order to be a part of this program? Or do I just track the payments on my own and when I hit 120 payments I contact Direct Loans?

And, within a matter of minutes, the program administrator replied as such…

One payment per month is what counts towards the 120 payments and direct loans will track the payments for you, we are also in the process of developing a form to have your employer sign as a public service position to tie the job with the payments.

This was perhaps the most pleasant experience that I’ve ever had dealing with my student loans. The representative, Ms. Nikki Harris, was professional and courteous and showed the utmost in professionalism in her prompt responses to my questions. And on top of that, I might be looking at getting some of my student loans forgiven after another 106 payments!

I have to figure out what I’d like to do with this, actually. I’ve been making excess payments on both my private NJHESAA loan and my Direct Loans consolidation loan. However, since I am being charged more on my NJHESAA loan and there is a possibility to have the Direct Loan forgiven at some point, it might make sense to begin adding more to my monthly payments to NJHESAA and then see where I’m at in a few years with the Direct Loans. The problem that I have with NJHESAA, though, is that you can’t make online payments – it’s so archaic.

Anyway, I take this information about the Public Service Loan Forgiveness Program as a good sign. This is a good way to begin the new year!

Not a smart move, right?

Anyway, now that I’m the guy in the front of the room I have a much greater appreciation for what professors have to go through. As the title of this entry suggests, I now have an appreciation for some really ridiculous student excuses when it comes to handing in their work on time. Some background information: my students are made aware that an 8 – 10 page paper is due on November 26. And since we don’t have class on that date, I even told the students that since November 26 ends at 11:59pm, they have the entire day to send me the e-mail with their paper attached. What a nice guy!

My students are also made aware that every day the paper is late, the student loses 10 points from their grade (some professors say that you lose a letter grade for each day that a paper is late, but I prefer to use points because it gives the students more time to send in the paper and still earn some credit). All of this is spelled out in the syllabus as is required by the university. So what can you expect between 11:30pm and 11:59pm on November 26? That’s right – tons of e-mails from the students. And I’m fine with that! It’s part of the deal – I get it and I understand completely.

But what I do not understand is when students hand in a paper 5 days late and expect to not lose 50 points from the paper’s final grade. I repeat in every class that if the paper is late, you lose points. Yet when points are lost, students are confused…which, in turn, confuses me. And what really gets me are the students who give me ridiculous excuses as to why the papers are late. The most ridiculous excuse that I get these days is, “I sent my paper by e-mail – I KNOW I did! But I don’t see it in my sent folder, so here it is again. Please do not mark it as late.”

Ha ha ha ha ha ha ha ha!!!

Riiiiiiiiiiiight! And I’m the Easter Bunny! What’s great about these students is that they send you a Microsoft Word document that actually tells you when the document was created. In other words, I can go in to an area of Word and have it tell me that the document was created on November 30. This is the same document that was due four days earlier!

I felt compelled to write this entry because when I was an undergraduate I never handed in anything late. And if I had a problem getting something in on time, it was a real situation and I was sure to get the item in on time by any means necessary. Who spends all of that money to go to college and then doesn’t actually hand in a damn 8 to 10 page paper on time – especially when you have three months to write it?!?

It’s amazing, really.

I’m proud and excited to announce the creation of The NJ Province Scholarship Fund with the Sigma Pi Educational Foundation. This fund will award an annual scholarship to a deserving brother of Sigma Pi Fraternity who attends school in New Jersey. The exact criteria for the award is listed below:

The NJ Province Scholarship will be awarded to an active, full-time member of any of the active chapters located in the state of New Jersey. This award will recognize the initiated member who most exemplifies the ideals of Sigma Pi through academic excellence, chapter leadership, philanthropic service, and community involvement.

I’m very excited to be working on this fund for many reasons, not the least of which is my own history with student loan debt. If one of my legacies in life can be that I helped start a fund that helped one more kid afford going to college in America’s most expensive state, then I’ll be happy with that legacy.

At this time, we are in the process of raise funds for the scholarship. We’re grateful and happy to take donations in any amount from alumni, friends, family, and local businesses who believe in making college more affordable for New Jersey students. If you’re interested in making a tax-deductible donation to this fund, please contact me and I’ll be more than happy to assist you.

The Delta-Beta Chapter Scholarship will be awarded to an active, full-time member of the Delta-Beta Chapter of Sigma Pi Fraternity at Monmouth University. This award will recognize the initiated member who most exemplifies the ideals of Sigma Pi through academic excellence, chapter leadership, philanthropic service, and community involvement.

We hope to award this scholarship as early as December 2007!

And if any of you are interested in making a donation to the tax-deductible fund, let me know!