[hyjin]

i dont know when dk will be back on... all i know is that she is doing things lately

[Serena Yuy]

That I understand. Stuff does happen and we have to do it. ^^"

[Shadami]

yeah...

i kind of miss having homework to do. Cause each one had an END. but chores, and bills, and the hectic stabs that life has been shooting at me everytime somethings starts looking up. Does not seem to be ending. :[

[Serena Yuy]

I sometimes feel like mine is never ending. I'm in grad school and I seem not to have a breakday away from thinking about what assignment do I have to do next ^^"
Thankfully I really don't have bills to worry much about yet since I'm still in school and live at home... But, I do help my dad with the phone bill, and I have to worry about getting a job, new insurance since I lose mine next month. :(

[Shadami]

i'm sure you can do it. It's a little challenging at first to understand. But than once you've got it, its not that bad. :]

[Serena Yuy]

Yeah, I'm just glad I have awhile to wait for stuff like that. That and I was able to get a decent refund from financial aid loans so I have some money saved up that I know yes I'll have to pay later, but it helps me now since I don't work atm.

[Shadami]

i know how it is. Make sure you keep on top of it once you get out of school.
like mine is on deferment so i don't have to pay it back quite yet.

[Serena Yuy]

It'll probably be that way for me when I finish school. Mike and I probably won't be able to afford mine and his for awhile while I'm still looking for a job after school. ^^"

[Shadami]

i had to get out of school early. i had a baby :3 and ending up on medicaid or wic is an automatic deferement qualification. ^^;; heheh

But if you catch it before the 6 month grace period is over they'll still defer it for you. Or make the first payment.

[Serena Yuy]

I already had to use my grace period because I was out for a semester when I was an undergrad and then I had another one I guess between my undergrad and starting grad school. ^^"
So, I get to start some of my undergrad payments as soon as I finish my graduate degree. :/

[Fauxreal]

*rawr* Halloween! I'm not even ready!

[Serena Yuy]

YAY I likes Halloween... Though I'm not sure if I'll be ready for it. I don't go out for it usually, but I think we're going to hang out with friends of ours. I'll probably be lame and wear a witch hat as always ^^"
Part of me looks forward to handing candy out to kids and/or having kids for Halloween ^^"

[hyjin]

people... heller... -naps-

[Shadami]

my grace period was six months o.o there isn;t that much time between semesters is there? :O

[Serena Yuy]

Not really. I don't have a grace period before my first set of loans comes to get after me anymore because I had the break between Spring 2012-Fall 2012 that I didn't go to school because I graduated with my Bachelor's in December '11 and started Graduate school in August '12. So, when (if) I finish my Master's, I have to get on the fed loan people to defer them. I only have 1 private loan to deal with, the rest is all federal so it's all together, which makes everything sooo much easier!

Ugh. sooo many things to do

[Shadami]

just seems like that woudlnt' count to me >.<