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Grieving Father Struggles to Pay Dead Sonís Student Loans
Pro Publica ^ | June 14, 2012 | Marian Wang

Posted on 06/15/2012 9:18:10 AM PDT by C19fan

A few months after he buried his son, Francisco Reynoso began getting notices in the mail. Then the debt collectors came calling.

"They would say, 'We don't care what happened with your son, you have to pay us,'" recalled Reynoso, a gardener from Palmdale, Calif. Reynoso's son, Freddy, had been the pride of his family and the first to go to college. In 2005, after Freddy was accepted to Boston's Berklee College of Music, his father co-signed on his hefty private student loans, making him fully liable should Freddy be unwilling or unable to repay them. It was no small decision for a man who made just over $21,000 in 2011, according to his tax returns.

(Excerpt) Read more at propublica.org ...


TOPICS: Education
KEYWORDS: studentloans
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The death of a son if horrible but I will never co-sign a loan and once again the idea of going into debt to pay for a "College of Music" is stupid.
1 posted on 06/15/2012 9:18:19 AM PDT by C19fan
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To: C19fan

It is no coincidence that we are seeing a steady stream of bad luck student loan stories.

Loan amnesty will incrementally be introduced.


2 posted on 06/15/2012 9:23:49 AM PDT by lacrew (Mr. Soetoro, we regret to inform you that your race card is over the credit limit.)
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To: lacrew
Loan amnesty will incrementally be introduced.

Actually it will announced with much fanfare in front of Greek columns in a nationally televised Obama speech in October...

3 posted on 06/15/2012 9:25:45 AM PDT by Buckeye McFrog
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To: C19fan
The do-gooders are heavily pushing the idea that college education should be free. Taxpayers should shoulder the cost. Young people shouldn't go into debt. Grieving fathers should not be saddled with unpaid bills. College education should be "free".

This is how the Left consumes all of society -- through sob stories.

The man has my sympathy. But I expect him to pay the bills.

4 posted on 06/15/2012 9:26:00 AM PDT by ClearCase_guy (Obama needs more time. After all -- Rome wasn't burned in a day.)
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To: C19fan

This does raise an interesting point. If you co-sign for someone else for a loan take out a cheap insurance policy on them to cover the loan.


5 posted on 06/15/2012 9:26:08 AM PDT by Average Al (Forbidden fruit leads to many jams.)
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To: C19fan

This is what life insurance is for - to pay off debts left after death. Too late for this case but a word to the wise!


6 posted on 06/15/2012 9:27:46 AM PDT by SES1066 (Government is NOT the reason for my existence!)
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To: lacrew

Student loans need to be dischargeable in bankruptcy (again).

Do that, and lenders will stop paying for degrees that aren’t likely to produce a paycheck.

That, in turn, will cut the cost of college to something closer to a level that can be “pay as you go”.


7 posted on 06/15/2012 9:28:41 AM PDT by DuncanWaring (The Lord uses the good ones; the bad ones use the Lord.)
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To: C19fan
the idea of going into debt to pay for a "College of Music" is stupid.

Well, we all have to make cost benefit analyses. But just for the record, Berklee College of Music is not just a "College of Music." It is one of the finest, most prestigious music institutions in the world. Moreover, unlike most conservatories, Berklee prepares musicians for actual, practical music careers in the commercial music business.

That doesn't mean that the economic rewards from the degree are worth the debt burden for everybody. And a lot of people go there but never graduate. So everyone has to use common financial sense in determining whether it's for them.

But Berklee turns out amazing musicians, many of whom do well as professionals.

I'm speaking as a proud Magna Cum Laude graduate (1978) of that fine institution.

8 posted on 06/15/2012 9:29:17 AM PDT by Maceman
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To: lacrew
I paid back my student loans, everyone else should do the same.

As a father that has lost a son, I can only say that I am heartbroken for this man. That being said: he took on the responsibility of his sons debt the day he cosigned for the loan. This is why I would never cosign for anyone, even my child, without having a life insurance policy on that person with me as the beneficiary.

I also blame all lending institutions that do not tell borrowers about this.

9 posted on 06/15/2012 9:31:20 AM PDT by Jim from C-Town (The government is rarely benevolent, often malevolent and never benign!)
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To: lacrew

“Loan amnesty will incrementally be introduced.”

###

Of course it will, itf it is not already well underway.

I guarantee there will be a racist component to it as well, in the guise of income gradations.

I also guarntee that weak, cowardly Republicans, in the name of “compassionate conservatism’, will be fully on board.


10 posted on 06/15/2012 9:32:08 AM PDT by EyeGuy (Armed, judgmental, fiscally responsible heterosexual.)
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To: lacrew

It is no coincidence, exactly, that these sob stories are being released daily. Get the hankies. We the Taxpayers are being asked to FUND these colleges that are teaching our kids that LGBT is fine. WE are the ones folks should be mourning for. (Not that Berklee SoM is teaching that, mind you.)

“Amnesty” only means someone else picks up the tab.


11 posted on 06/15/2012 9:35:19 AM PDT by bboop (Without justice, what else is the State but a great band of robbers? St. Augustine)
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To: DuncanWaring
Of course. If a debt is never dischargeable, then there is no incentive to have a ‘lesser’ loan. One can walk away from a house, medical bills, etc.

Throw in colleges and universities as being the originators of the loan, and I can guarantee ya there will be no more stupid ‘degrees’. Every college and university would have to look to the long term to ensure the ‘degrees’ they are producing are making a roi.

12 posted on 06/15/2012 9:36:32 AM PDT by Theoria (Rush Limbaugh: Ron Paul sounds like an Islamic terrorist)
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To: C19fan

I disagree with your assessment of “College of Music”. Although my daughter is not going to Berklee, she is starting in the fall as a Music Education Major/Minor Performance. She is very talented and will make an excellent music teacher.

Now if it were “Gender Studies”....


13 posted on 06/15/2012 9:37:16 AM PDT by melissa_in_ga (Laz would hit it.)
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To: C19fan

Here’s the rule on co-signing. If someone wants you to co-sign a loan, just give them the cash or say no. If you will not or cannot give them the cash, don’t co-sign the loan.


14 posted on 06/15/2012 9:37:32 AM PDT by Onelifetogive (I tweet, too... @Onelifetogive)
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To: DuncanWaring
Student loans need to be dischargeable in bankruptcy (again).

A bankruptcy judge can allow exceptions for cases like this.

Having said that, student loans are really subsidies for liberals who work in the education industry.

15 posted on 06/15/2012 9:39:12 AM PDT by Moonman62 (The US has become a government with a country, rather than a country with a government.)
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To: C19fan

what part of “co sign” did this man not understand?


16 posted on 06/15/2012 9:39:34 AM PDT by silverleaf (Every human spent about half an hour as a single cell)
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To: C19fan
Did he not know what "co-signing" a loan means? It means you pay the loan back if the original party can not or will not.

In 2005, after Freddy was accepted to Boston's Berklee College of Music, his father co-signed on his hefty private student loans, making him fully liable should Freddy be unwilling or unable to repay them. It was no small decision for a man who made just over $21,000 in 2011, according to his tax returns.

17 posted on 06/15/2012 9:40:06 AM PDT by 2banana (My common ground with terrorists - they want to die for islam and we want to kill them)
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To: C19fan

Well, as long as he has to pay it, find either a kid with musical talent who’d give anything for 1 semester in BBCM, and put him in his son’s room/courses so you can get your money’s worth, or find a thug rat-bastid without talent and a penchant for violence and put him in there.


18 posted on 06/15/2012 9:41:39 AM PDT by theDentist (FYBO/FUBO; qwerty ergo typo : i type, therefore i misspelll)
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To: ClearCase_guy
We could have free college education here IF we followed the lead of other Countries that provide free education.

It's simple. If you don't adhere to a high set of standard you don't go to College and no worthless degrees are offered for free. Learn a trade at a trade school or get a job.

19 posted on 06/15/2012 9:44:10 AM PDT by BBell (And Now for Something Completely Different)
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To: Moonman62

“Having said that, student loans are really subsidies for liberals who work in the education industry.”

###

On the nose.

Though I question the use of the verb “work” when it comes to the vast majority of BigAcademia.


20 posted on 06/15/2012 9:44:10 AM PDT by EyeGuy (Armed, judgmental, fiscally responsible heterosexual.)
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To: DuncanWaring
Student loans need to be dischargeable in bankruptcy

Didn't we try this many years ago with the kiddies basically declaring bk right after school ended when they typically had no assets?

21 posted on 06/15/2012 9:44:29 AM PDT by nascarnation
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To: C19fan

A whole department at Berklee got fired because they drank Dewer’s Scotch all day. The head of the department had an ice machine in his office. Then they would go over to TC’s (Boston’s #1 Dive bar). Play Golden Tee Golf. Drink more Dewer’s and go back for their afternoon classes.


22 posted on 06/15/2012 9:44:48 AM PDT by massgopguy (I owe everything to George Bailey)
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To: C19fan

A whole department at Berklee got fired because they drank Dewer’s Scotch all day. The head of the department had an ice machine in his office. Then they would go over to TC’s (Boston’s #1 Dive bar). Play Golden Tee Golf. Drink more Dewer’s and go back for their afternoon classes.


23 posted on 06/15/2012 9:45:07 AM PDT by massgopguy (I owe everything to George Bailey)
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To: C19fan

As a matter of law, the lender has the right to ask a co-signer for rePayment. But as a matter of decency, this should be handled with kid gloves first to try to make an arrangement.

Only if the surviving co-signer refuses to even try to cooperate should you treat him as a deadbeat.


24 posted on 06/15/2012 9:49:01 AM PDT by GreenLanternCorps ("Barack Obama" is Swahili for "Jimmy Carter".)
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To: BBell
If you don't adhere to a high set of standard you don't go to College

*ahem* I think Eric Holder would not be supportive of that plan.

;)

25 posted on 06/15/2012 9:50:52 AM PDT by ClearCase_guy (Obama needs more time. After all -- Rome wasn't burned in a day.)
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To: ClearCase_guy

College education COULD be free or at least “free” as in freedom. The Dept of Education simply creates a public service web page that provides downloadable educational content. Start at pre-K and then add content all the way up through PhD course. That allows for the free distribution of knowledge.

The other half of the equation is the testing and certification that the individual has learned the knowledge required. Again, a model already exists for this requirement. That is the testing centers / services like the ones used in IT. Other similar testing centers can do the same. Need to show that you know how to draw blood. Go to the “Prometric Health Testing labs”. To maintain certifications, periodic retesting will be required.

The federal government can then select which testing organizations they trust and accept their certifications on federal job applications.

I would predict that the cost would drop significantly. I would say that if you tested each and every course, $100 - 150 per course, then most Associates would cost between $2,000 and $3,000. Bachelors would be 4 to 6 thousand.

No longer would you need to GO to college. You could stay home, process the material as fast or as slow as you needed, and when you were ready, go take the certification test.

This would also have the long term effect of destroying the education monopoly and the teachers unions. Teaching would no longer be a specialty.


26 posted on 06/15/2012 9:53:58 AM PDT by taxcontrol
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To: DuncanWaring
Student loans need to be dischargeable in bankruptcy (again). Do that, and lenders will stop paying for degrees that aren’t likely to produce a paycheck.

The government is the lender for all student loans, now. This was part of the Obamacare act, so Obamacare could, 'pay for itself' on paper. In reality, government doesn't care if you can't pay a loan back, (see Solyndra).

27 posted on 06/15/2012 9:54:12 AM PDT by sportutegrl
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To: Maceman
But just for the record, Berklee College of Music is not just a "College of Music." It is one of the finest, most prestigious music institutions in the world.

Pat Metheny taught there, at the age of 19.

28 posted on 06/15/2012 9:57:35 AM PDT by dfwgator
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To: Maceman

Berklee is a phenomenal place. I was there the night Louis Belson and Buddy Rich gave a concert - dueling drums. The place was filled with Berklee students and it was an electric experience - like no other.


29 posted on 06/15/2012 9:59:32 AM PDT by ladyjane
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To: C19fan

I co-signed for one loan in my life and regretted it.

Now when someone asks me to cosign something for them, my reply is simple:

“If the bank, who has looked at your credit, has decided you are unworthy of a loan, why should I find you credit-worthy?”


30 posted on 06/15/2012 10:01:36 AM PDT by Retired Greyhound (.)
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To: DuncanWaring
Student loans need to be dischargeable in bankruptcy (again).

Do that, and lenders will stop paying for degrees that aren’t likely to produce a paycheck.

That, in turn, will cut the cost of college to something closer to a level that can be “pay as you go”.

Precisely. Get the damn federal government out of the business completely. Even then, there will always be lenders available to finance somebody's degree in ethnic studies or whatever useless degree, but they will charge a rate commensurate with the risk.

My former state (North Dakota) had a state owned bank to finance student loans, among other things. They lent very prudently, including amount limits, students being required to put some of their own money on the line and show steady progress toward a degree, etc. Their default rate was very, very low.

Hillsdale College in Michigan goes a step further and won't allow any of their kids to get government loans. They have their own set of approved lenders. Since it is a conservative college with a reputation of turning out useful graduates, the default rate is very, very low.

I'm aware of at least three other conservative institutions (Liberty University, Grove City College, Brigham Young University) which have set up alternative loan pools in similar fashion to Hillsdale. Government loans are not yet prohibited, but they are working in that direction. Again, because all three turn out generally useful graduates, default risk is low.

When I was a pup, there was no shame in taking six or seven years to graduate because it was mostly pay as you go. The work experience which you picked up along the way actually enhanced your employability at graduation.

31 posted on 06/15/2012 10:10:48 AM PDT by Vigilanteman (Obama: Fake black man. Fake Messiah. Fake American. How many fakes can you fit in one Zer0?)
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To: dfwgator
Pat Metheny taught there, at the age of 19.

I know. He was there on the faculty when I was there. Gary Burton brought him in.

32 posted on 06/15/2012 10:10:56 AM PDT by Maceman
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To: Maceman

Pat was on tour with Gary a few years ago, but I missed out on it. “Passengers” with Eberhard Weber is one of my favorites. You could just hear Pat was on the verge of greatness on that album.


33 posted on 06/15/2012 10:14:26 AM PDT by dfwgator
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To: C19fan

They would not misunderstand my reply in such a case.

Oh...and co-signing anything for anyone?

Learned that lesson long ago....fortunately it was only a few months rent...


34 posted on 06/15/2012 10:24:14 AM PDT by G Larry
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To: DuncanWaring

What kind of fool borrows $160.000 for a degree in music? WHat hope did anyone have that this kid could ever earn enough to pay it back? Most people trying to make a living in music are starving.

What kind of fool LOANS a kid $160,000 so he can get a degree in a subject where he has no hope of earning enough money to pay it back?


35 posted on 06/15/2012 10:29:22 AM PDT by passionfruit (When illegals become legal, even they won't do the work Americans won't do)
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To: Onelifetogive

Thank you, I’ll make my own rules and decisions regarding co-signing.


36 posted on 06/15/2012 10:30:43 AM PDT by driftdiver (I could eat it raw, but why do that when I have a fire.)
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To: Vigilanteman
Hillsdale College in Michigan goes a step further and won't allow any of their kids to get government loans.

And they have a powerful reason to do so. The FedGov has tried to get its regulatory fingers into Hillsdale's pants on the pretext that its students are being subsidized through loans and other aid from the FedGov.

So Hillsdale rejects such subsidies to their students.

37 posted on 06/15/2012 10:35:27 AM PDT by Erasmus (BHO: New supreme leader of the homey rollin' empire.)
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To: passionfruit
What kind of fool borrows $160.000 for a degree in music? WHat hope did anyone have that this kid could ever earn enough to pay it back? Most people trying to make a living in music are starving. What kind of fool LOANS a kid $160,000 so he can get a degree in a subject where he has no hope of earning enough money to pay it back?

The capitalist system is wonderful for what it is supposed to do. There are things in life, however, that it doesn't cover. Music is one of them.

But it is not necessary for you to understand this. Go to work, make your money, and if you feel like it you can go to a concert and smash cheetos into your mouth while you guzzle beer and belch, while patting the roll of cash in your pocket and laughing at the stupid musicians who will never achieve your level of financial freedom.

Just do it away from the rest of the audience.

38 posted on 06/15/2012 10:45:07 AM PDT by Talisker (One who commands, must obey.)
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To: Erasmus
Correct. Hillsdale was the first college to give Fedzilla the finger, back in the 1970's with Title IX, I believe, so Hillsdale was the first which Fedzilla attacked.

That's why they are ahead of the curve on the alternative financing. But it still wouldn't work without their reputation of turning out useful graduates with a low risk of loan default.

Their relatively small size also worked to their advantage. Of the at least three colleges that I listed which are set to follow them, I believe GCC is the furthest along and no coincidence that they have the next smallest student body.

SalliMae's entire loan portfolio needs to be broken up and sold to commercial banks at discounted rates. Yeah, the taxpayers will lose a little money. But they will lose a lot more if this Godzilla is allowed to keep growing.

39 posted on 06/15/2012 10:59:00 AM PDT by Vigilanteman (Obama: Fake black man. Fake Messiah. Fake American. How many fakes can you fit in one Zer0?)
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To: silverleaf

No habla inglish....


40 posted on 06/15/2012 11:00:24 AM PDT by X-spurt (Its time for ON YOUR FEET or on your knees)
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To: C19fan
As usual, most posters have not read the story. I offer excerpts that may alter your opinion:
And the loans are maddeningly opaque. Despite the help of a lawyer, Reynoso has not been able to determine exactly how much he owes, or even what company holds his loans. Just as happened with home mortgages in the boom years before the 2008 financial crash, his son's student loans have been sold and resold, and at least one was likely bundled into a complex Wall Street security. But the trail of those transactions ends at a wall of corporate silence from companies that include two household names: banking giant UBS and Xerox, which owns the loan servicer handling the bulk of his loans. Left without answers is a bereaved father.

The risk of cosigning on Freddy's loans seemed to have been worth it when he graduated in May 2008 and began looking for a job in the music industry. He was on the way back from a job interview on the evening of Sept. 4 when he lost control of his car and it rolled over. Freddy's family learned of his death the next morning.

The grief was relentless; the debt collectors, ruthless. By law [1], debt collectors must go through a debtor's attorney if one has been hired, but even after Reynoso hired an attorney, he said they continued to call him every day, several times a day, for about a year and a half: "I would tell them to call the lawyer. And they would still say, 'The lawyer doesn't owe us. You're the one who owes us. You're the one who has to pay us.'"

Meanwhile, Reynoso was still reeling: "I was crying for him every day,” he said.

The question of to whom Reynoso's debts are actually owed — and who has the authority to forgive them — is a mystery that thus far neither Reynoso nor his lawyer has been able to solve.

One of Freddy's student loans was cancelled after his death [2] without a problem: his federal loan. That's because the government cancels student loans if a student dies [2].

But the bulk of Freddy's loans were private student loans, which typically offer less favorable interest rates and fewer consumer protections. Only a few [3] private student lenders [4] offer debt discharges in the event of the borrower's death, though public outcry over specific cases has swayed lenders to grant occasional death discharges.


41 posted on 06/15/2012 11:04:54 AM PDT by afraidfortherepublic
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To: silverleaf

silverleaf wrote:
what part of “co sign” did this man not understand?

The part where your son DIES, you heartless SOB. Yes, I blame your mother.

Enough about the rest. Why don’t you just shut up and say a prayer for him and his son.

It’s one thing to risk your lifelong indebitedness for a son to potentially have a better life, or that he even have wasted it and dropped out, and yet another to lose the son and only have the debt.

Pray, donate money, or move on Mr. Selfish.


42 posted on 06/15/2012 11:06:29 AM PDT by If You Want It Fixed - Fix It
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To: passionfruit
What kind of fool borrows $160.000 for a degree in music? WHat hope did anyone have that this kid could ever earn enough to pay it back? Most people trying to make a living in music are starving.

Music is one of those fields where you won't make much money unless you are one of the few with real talent. If you possess the talent, you won't need to spend $160K getting educated. If not, the $160K will be a waste.

43 posted on 06/15/2012 11:08:14 AM PDT by cynwoody
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To: passionfruit

Here is the money point:
“his father co-signed”

NEVER Never consign for anyone for any reason. For 160K to study music means this is idiocy squared.

Meanwhile, 160K! Give me a break....for an undergrad degree in the Arts. Folks, we are doomed when idiots do things like this and expect sympathy.


44 posted on 06/15/2012 11:17:04 AM PDT by Mouton (Voting is an opiate of the electorate. Nothing changes no matter who wins..)
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To: cynwoody

They end up playing on a Green Line platform.


45 posted on 06/15/2012 11:25:04 AM PDT by massgopguy (I owe everything to George Bailey)
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To: Mouton

That is true. So many Berklee students are silly little girls, wasting Daddy’s money. A friend of mine was the repair weasel at Daddy’s Junky Music across the street. So many girls. New ones every year. Strange part is, he looks like Ron Jeremy.


46 posted on 06/15/2012 11:30:16 AM PDT by massgopguy (I owe everything to George Bailey)
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To: massgopguy
he looks like Ron Jeremy.

Well no wonder there's so many girls.....

47 posted on 06/15/2012 11:35:25 AM PDT by nascarnation
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To: Maceman

To add more oomph to your argument:

http://en.wikipedia.org/wiki/List_of_Berklee_College_of_Music_alumni

my son’s best friend is a graduate as well, he’s a phenomenal musician! :)


48 posted on 06/15/2012 12:38:43 PM PDT by NCDragon (If you can't stand behind the troops, try standing in front of them!)
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To: If You Want It Fixed - Fix It

Our son died and we paid his debts
Even though we did not CO-SIGN his debts

dipshit


49 posted on 06/15/2012 6:18:53 PM PDT by silverleaf (Every human spent about half an hour as a single cell)
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To: nascarnation

Yes, we did. I think it was particularly bad among law students.

The proper response to that problem is no bank loans money for law degrees.


50 posted on 06/15/2012 6:21:53 PM PDT by DuncanWaring (The Lord uses the good ones; the bad ones use the Lord.)
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