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D)  )N. h4 " bA$?scales-of-justices"*@@? t;  a P  h5^ # S ~,cccc;???{C"x@@``@B?@B 6 /  8 h$  ,CHNKINK RPTEXTTEXT.STSHSTSH.STSHSTSHSTSHSTSH.DFDPPFDPP2FDPPFDPP4FDPCFDPC6FDPCFDPC8FDPCFDPC:FDPCFDPC<FDPCFDPC>FDPCFDPC@FDPCFDPCBFDPCFDPCDSYIDSYIDF0SGP SGP 0F INK INK :FBTEPPLC >F BTECPLC ^FPYou aren t alone. Come to StudentLoanJustice.Org And help solve the problem. Congress has made student loans the most profitable and predatory of any in the nation. This is due to lobbying by student loan companies such as Sallie Mae since the early 1990 s, who paid for legislation that: Allows for HUGE fees and penalties to be attached to delinquent debt Allows borrowers wages to be garnished, income tax returns to be taken, suspension of state licenses, termination from public employment, confiscation of social security and disability payments. Makes refinancing the debt at better rates impossible Removes bankruptcy protection for both public and private loans. This legislation is causing financial ruin for MILLIONS of decent citizens, who want to repay their debt, but are prevented from doing so by the staggeringly higher amounts being demanded from them. This is Wrong. www.studentloanjustice.org 2123 Mountain View University Place, WA 98466 www.studentloanjustice.org The Problem: Are Student Loans Killing You? 2123 Mountain View University Place, WA 98466 www.studentloanjustice.org StudentLoanJustice.Org Student Loan Facts: Sallie Mae employees have set aside $3.6 Billion in stock bonuses for themselves in the past 8 years, roughly equivalent to $640,000 per employee Sallie Mae s Thomas Fitzpatrick was recently selected Washington D.C. s highest paid CEO. Sallie Mae Chairman Albert Lord recently attempted to purchase a major league baseball team, and is currently building a personal, luxury golf course with wealth taken from Sallie Mae, and thus, borrowers. Albert Lord attributed Sallie Mae s record profits (in part) to penalties and fees collected on defaulted student loans. Student Loan Companies such as Sallie Mae can make far more profit from defaulted loans than from those that remain in good stead. The Sallie Mae PAC contributed to 16 of 17 members of the last Senate Education Committee The Sallie Mae Pac contributed to 38 of 49 most recent House Education Committee members.  ...Student loan companies have powers that would make a mobster envious -Dr. Elizabeth Warren, Harvard University in a Wall Street Journal article by John Hechinger The Solution. Student loanJustice.Org has formed a Political Action Committee (PAC) to provide a counterweight for the borrowers in Congress. This PAC will push Congress hard to: 1. Pass legislation that allows borrowers who have been in default for 5 years or more to repay repay the amount that the federal government paid for the guarantee on the loan(s). 2. Pass legislation that gives borrowers the right to refinance their debt if there are lenders willing to charge a lower interest because they are willing to accept less profit. 3. Pass legislation that bans "school as lender" programs, or other programs where the universities steer students to certain lenders due to financial incentives. 4. Support other legislation that returns standard consumer protections to student loans. 5. Make student loan repayments (not just interest payments) tax deductible Please Come to www.studentloanjustice.org to tell your story, find out the Congress members in your areas who can help, and support the PAC. Stand up for yourself, and your family. It is only by sticking up for yourself that this problem will be solved. With the new Congress, there is hope. 2123 Mountain View University Place, WA 98466 www.studentloanjustice.org 1TSH8>DJPV\bhntz毗1TSHp :B\d   > F bn "|$           ,9"|D " "Q4"v "|$           ,9"|D " " 4"v  "|$           ,7 9"|D "  "$           ,8 9"D "  $ "$           ,7 9"D "  "$           ,8 9"D "  "$           ,7 9"D " ")4"  "$           ,7 9"D "  "$           ,8 9"D " 0 "$           ,9"D "  "$           ,7 9"D "  $           ,7 D "0$ "$           ,7 9"D "0 "$           ,9"D "9"04"v0%1TSHp 0@P`p            are lenders willing to charge a lower interest because they are willing to accept less profit. 3. Pass legislation that bans "school as'$&(8hTLN`NP 6 8 : ` * , . 0 2 4 6 8 : ddddRR<<<000 4" 4" 00X"0X"6 " "|0W"""X"""0" "0"" ""\K009: < > @ f  , . 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