Internship Journey Quotes

Forbearance or Deferment: Which Way to Go? Repaying student loan is a long journey as The Student Loan Help Center CEO, Bruce Mesnekoff said, at times you might face some potholes on the road, making your ride a bit difficult but there are some ways you can opt for help. Student loan forbearance and deferment are such two options which help you when you are facing money crunch and need some time to repay your student loans. Both of the options are specific to every individual depending on your financial state. Forbearance or deferment can be considered if you want to postpone your repayment for some duration or want to decrease the amount. Both of these are discussed in detail in this article. Forbearance Forbearance is used when you are facing monetary issues for a short period of time i.e. when you know you will come out of the money problems soon. Forbearance is provided for maximum period of one year at one time.Now there are two kinds of forbearance, mandatory and discretionary. When forbearance is must it’s called mandatory and this happens when: Your student loan repayment is 20% or more of your grossly monthly income. You are eligible for public loan forgiveness You are enrolled in dental internship or medical internship You are serving in a national service position Forbearance may or may not be provided by servicer if you are facing financial crunch or illness. One word of caution here would be to at least pay your interest every month because during forbearance you accruemonthly interest and if you don’t pay it as it gets added to principal. As a result you have to a pay huge amount at the end of the loan and also after forbearance is over to become current. Deferment Deferment also works onsimilar lines as forbearance. Though there is one advantage that subsidized direct loan, Perkins loans, federal Stafford loans do notaccrue interest during deferment, only non-subsidized loans accrue interest. You can defer loan repayment for the entire duration if you are in school or on military duty. If you are unemployed or facing any financial hardship the deferment period is of three years. You can qualify for deferment under following circumstances: If you are in school If you are on active military duty If you are qualifying for Perkins loan cancellation If you are unemployed If you are receiving federal or state assistance. Using deferment or forbearance is good option to keep your account “current” and save it from becoming delinquent or going in default. It saves your credit rating. If provided the opportunity to choose out of the two, always try and go for deferment if you can qualify for it as it’s more economical than forbearance. Contact The Student Loan Help Center to know more about Consolidation of your Student Loans.

When we are young, we want to experience everything quickly. It's a time of discovery, news and adventure. The years come and then we suddenly change, we want quality and content. We start to perceive things differently. It's another moment in the journey: we learn the importance of each experience, how each event has a meaning and how this meaning connects to so many others. In this chain of cause and consequence, we realize the interconnection between all things. It is the moment of understanding. Aware of this and as the years pass, we go to internships. At a certain point, we realize the depth of things. It's a scary time. Our previous beliefs are put to the test by the complexity of reality. That moment when time stops and we begin to see beyond the surface. And life takes on a new meaning. We begin to revisit memories, spaces and places seeking a new interpretation, a new perspective and a new look, above all, at ourselves. It is the moment of Being and also of Time. A thinker once said, it is not Time that passes, it is We who pass.

Parker Palmer (who by now you’ve guessed is one of my discernment gurus) writes that when we are doing what we are supposed to be doing, we will know it because we will be energized by it, joyful in it. (Think of the apostle Paul’s fruit of the spirit in Galatians 5: love, joy, peace, and so on.) And when we are not doing what we’re supposed to be doing, we will be dragged down by it, disheartened by it, and perhaps, if we are not careful, destroyed by it. Simply put: Does the path you’re on bring you joy or pain? Note that the question is not, Is this what others think I should be doing? It’s not, Is this what makes me look good—or makes me a lot of money? It’s not even, Is this what other people whose walks with God I respect are doing? Does the path you’re on bring you joy or pain? I’m not talking, of course, about temporary hardships: internships, residencies, two-shift careers while you’re finishing something. I believe that most worthwhile things require hard work, the solving of difficult problems, stamina, faithfulness. In my three years of seminary I was challenged to my limits. I had never worked so hard, had to manage time so well. And I loved every minute of it. Okay, maybe not every minute—I can’t say I enjoyed Greek, or my hospital chaplaincy, although I understood why I was doing them. But even in those hard things I knew I was doing the right thing, and my life, in general, was filled with joy. And if you are doing even the most worthy of things, but it breaks you down instead of building you up, you may need to take notice. Once you set your foot on the path, ask yourself, “Is this the path of God’s joy for me?” If after a while you’re not sure you can answer that question in the affirmative, give some serious thought to whether or not you ought to continue. Merton’s prayer ends in this way: You will lead me by the right road, though I may know nothing about it. Therefore will I trust you always.5 As I’ve spent time thinking about who and what God is, I’ve come to believe that God’s job is not to make things easy for me. Not to give me a candy-coated existence. Not even to make me feel good about myself. But what has made my life possible—or at least, made it possible to continue living—is that I have felt God’s presence with me in good times and bad, and come to the genuine belief that if I try hard to live in God’s will instead of chasing my own, good things will happen. I rarely, if ever, know exactly what those good things will be, and sometimes they don’t seem particularly good in the moment. But that’s what faith is all about. Not a naive belief that God is going to give me what I want. Instead, it’s my own resolve to go on believing and trusting, and to keep my feet moving on the path, so that up around the next bend or over the next rise, maybe what God has in store for me will come into view.