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(FOX6Now)   Substitute teacher discovers student loan debt suddenly at $3.9 million, wonders where he got a second bachelor's degree. Fark: The amount owed was his Social Security number   ( fox6now.com) divider line
    More: Asinine, Debt, Heartland ECSI, teacher Robert Theis, Credit, social security number, student loan shocker, Federal Perkins Loan, Loan  
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6847 clicks; posted to Main » on 14 Nov 2017 at 3:20 PM (26 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2017-11-14 05:40:16 PM  

matcpr: My loan amount

Eight million six hundred and seventy five thousand three hundred and nine dollars


For the price of a dime I can always turn to you.
 
2017-11-14 05:49:02 PM  

Ex-Texan: IRQ12: Ringshadow: My loan company was bought out, and the new owners are refusing to give chain of title to prove they actually own my loan. I'm not trying to get out from under the debt, mind you, but I would like proof they own said debt, if you follow.

/I'm going to have an interesting next few weeks
//chain of title is important for student debt because they lose paperwork, all the time, when loans shift hands
///no chain of title, no provable debt...

If you can get out of debt from a student loan company more power to you.  They have worked very hard to basically make student loans indentured servitude in this country.

I contacted my loan servicer on my student loan debt, advised was unable to pay since am disabled now. Faxed my records over, and the debt was wiped clean. So if you have some serious problems arise down the road, you do have some recourse.
/Still disabled.
//No Student loan debt.
///Yay!


Forgiven debt may be considered taxable income.
 
2017-11-14 06:30:02 PM  
He says, "my loan balance just increased over 100000%!".  Bored bureaucratdrone says, "You missed a payment." *yawn*. He says, "Are usurious!?"
 
2017-11-14 06:58:34 PM  

Opacity: No one checks for anything other than banks, loans and credit cards, and reputable companies know that it is more of a liability to have the information than to not.


LOLWUT?  You've never checked your credit report, have you?  EVERYONE checks your credit.  Phone company (both land and cell), cable company, power company, water company, trash company, landlords, employers, trash company, etc.

When I called the cable company, it was funny how the person's attitude changed after the credit check.  I think she was about to launch into the, "You have to put down a deposit of $xxx to start service."  But she lit right up when my number came back.  "We can get you set up immediately, sir.  What services would you like?"

Everyone checks your credit when extending you credit.  That's how it works.
 
2017-11-14 07:14:00 PM  
Sheboygan on Fark again!!!
 
2017-11-14 08:15:23 PM  

bighairyguy: doglover: bighairyguy: That field shouldn't be allowed to accept a number that big

You don't understand as much as you think you do.

Of course the "amount owed" field has no upper limit. Could be someone eventually owes a BILLION dollars. Could be more. So their software likely has no upper limit on how much you can owe.

Likewise, there's probably some algorithm that adds money automatically to the owed column in random enough small doses most people don't notice. Just to milk it.

We changed the limit to $20,000 so it would propagate and blow up the calculated fields.  Also, if you owed more than that you'd have bigger problems.  Of course this was back in the olden days before college costs went crazy.


Oh my god.

I might have literally killed to only have $20,000 in student loan debt when I graduated.
 
2017-11-14 09:27:50 PM  

Snort: jfivealive: Weatherkiss: So, they made a mistake, then subsequently corrected the mistake.

Slow news day, I guess.

Except for that school shooting in northern california where at least 5 are reported dead.  Happened at 8am this morning PST.  Still not on fark.

Look right above this link.


The point is the shooting happened this morning, not after this link was greenlit.
 
2017-11-14 09:34:03 PM  

jtown: Opacity: No one checks for anything other than banks, loans and credit cards, and reputable companies know that it is more of a liability to have the information than to not.

LOLWUT?  You've never checked your credit report, have you?  EVERYONE checks your credit.  Phone company (both land and cell), cable company, power company, water company, trash company, landlords, employers, trash company, etc.

When I called the cable company, it was funny how the person's attitude changed after the credit check.  I think she was about to launch into the, "You have to put down a deposit of $xxx to start service."  But she lit right up when my number came back.  "We can get you set up immediately, sir.  What services would you like?"

Everyone checks your credit when extending you credit.  That's how it works.


Credit reports frozen.  fark em all.

/still won't stop hard credit checks from wannabe debt collectors
//fark em twice anyway
 
2017-11-15 02:56:00 AM  

IRQ12: IDisposable: IRQ12: bighairyguy: That's not only a typo, it's bad database management.  That field shouldn't be allowed to accept a number that big. ....

Huh?  Which should the DBA use?

bigint-2^63 (-9,223,372,036,854,775,808) to 2^63-1 (9,223,372,036,854,775,807)8 Bytes
int-2^31 (-2,147,483,648) to 2^31-1 (2,147,483,647)4 Bytes
smallint-2^15 (-32,768) to 2^15-1 (32,767)2 Bytes
tinyint0 to 255 1 Byte

Maybe nvarchar(6) to save space?  :P

Well, first off the loan amount probably is not an integer since it can include cents.

Your software can (or ought to be able to) accept different values than what the database can store.  I'm probably storing it in a decimal(10, 2), but the software will restrict it to values from $.01 up to whatever the person's approval amount is.

Yes, you are correct, I was just pointing out that it's not a DBA issue, their job is to make sure data types don't overflow using the least amount of space as possible.


Not necessarily.  It's possible to use triggers to validate data before a transaction commits, although putting that kind of business logic in the database has fallen out of favor because it's not very portable, and it's better for your sanity to have your business logic all in one place rather than spread between the database and the code.
 
2017-11-15 09:58:57 AM  

MusicMakeMyHeadPound: bighairyguy: doglover: bighairyguy: That field shouldn't be allowed to accept a number that big

You don't understand as much as you think you do.

Of course the "amount owed" field has no upper limit. Could be someone eventually owes a BILLION dollars. Could be more. So their software likely has no upper limit on how much you can owe.

Likewise, there's probably some algorithm that adds money automatically to the owed column in random enough small doses most people don't notice. Just to milk it.

We changed the limit to $20,000 so it would propagate and blow up the calculated fields.  Also, if you owed more than that you'd have bigger problems.  Of course this was back in the olden days before college costs went crazy.

Oh my god.

I might have literally killed to only have $20,000 in student loan debt when I graduated.


I graduated debt-free .... in 1977.  Full year tuition for a full year when I finished was $700.  The ENTIRE cost of my four year education was $15,000.
 
2017-11-15 11:59:51 AM  

bighairyguy: MusicMakeMyHeadPound: bighairyguy: doglover: bighairyguy: That field shouldn't be allowed to accept a number that big

You don't understand as much as you think you do.

Of course the "amount owed" field has no upper limit. Could be someone eventually owes a BILLION dollars. Could be more. So their software likely has no upper limit on how much you can owe.

Likewise, there's probably some algorithm that adds money automatically to the owed column in random enough small doses most people don't notice. Just to milk it.

We changed the limit to $20,000 so it would propagate and blow up the calculated fields.  Also, if you owed more than that you'd have bigger problems.  Of course this was back in the olden days before college costs went crazy.

Oh my god.

I might have literally killed to only have $20,000 in student loan debt when I graduated.

I graduated debt-free .... in 1977.  Full year tuition for a full year when I finished was $700.  The ENTIRE cost of my four year education was $15,000.


It's really not nice to rub it in like that :(
 
2017-11-15 12:09:51 PM  

MusicMakeMyHeadPound: bighairyguy: MusicMakeMyHeadPound: bighairyguy: doglover: bighairyguy: That field shouldn't be allowed to accept a number that big

You don't understand as much as you think you do.

Of course the "amount owed" field has no upper limit. Could be someone eventually owes a BILLION dollars. Could be more. So their software likely has no upper limit on how much you can owe.

Likewise, there's probably some algorithm that adds money automatically to the owed column in random enough small doses most people don't notice. Just to milk it.

We changed the limit to $20,000 so it would propagate and blow up the calculated fields.  Also, if you owed more than that you'd have bigger problems.  Of course this was back in the olden days before college costs went crazy.

Oh my god.

I might have literally killed to only have $20,000 in student loan debt when I graduated.

I graduated debt-free .... in 1977.  Full year tuition for a full year when I finished was $700.  The ENTIRE cost of my four year education was $15,000.

It's really not nice to rub it in like that :(


If it makes you feel better, I not only couldn't afford it now, I probably wouldn't even be accepted.   Back then, my SAT score was 50 points above their average.  Now, it would almost 200 below average.
 
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