Showing posts with label undergrad at MRU. Show all posts
Showing posts with label undergrad at MRU. Show all posts

Tuesday, June 16, 2009

Getting Ripped Off On Student Loans

I am wicked pissed off right now at Sallie Mae. The DAY that my student loan was disbursed to MRU, I started paying on it even though I didn't have to. My grace period ended this month, as I am no longer in school full-time. But I have made 20 payments without actually needing to. 

Now, maybe I just really suck at math, but I feel like having paid $1,000 (literally) on a loan with a 6% interest rate on a balance of $8500 ($4250 for the first 4 months of payments) should have brought my principal balance down by more than just $70. 

Can I seriously be paying $50 a MONTH in finance charges on a student loan?? Because if so, that's fucking RIDICULOUS. How does anyone ever pay this shit off??? 

I sent them an email like "WTF???" and they replied with some generic email including the equation for calculating simple interest loans. I am not fucking sitting here and doing the math out. 

I am also pissed off that the incentive for paying on time (1% interest drop for every 12 months of on-time payments) does not include payments made ahead of schedule. 

Student loans are such a fucking racket. When I was in college in 2000-2001, the interest rates on student loans were like 3%. One of the two loans I had to take out this time gave me an interest rate of 8.6%. That's higher than the interest rate was on my CAR. And I have a credit score of 790!!!!!

I am so mad. 

But on the bright side, I got my car back today!!!!!!!! 

Sunday, April 5, 2009

I Hate Being Ignored

JLK's outbox (not actual quotes):

To: MRU Psych Dept Admin
Subject: Psi Chi

Dear MRU PDA,

      I recently received your email regarding Psi Chi inductions. I intended to pursue Psi Chi membership at MRU, but the timing of my psychology courses did not allow me to be eligible until this past December when I graduated. Am I still able to join, or is it too late because I already have my degree?

- JLK

(Sent over a month ago. Still no response. Deadline for Psi Chi inductions has passed.)


To: Professor X
Subject: Grad School Update

Dear Prof. X,

       I hope all is well. I recently checked the status of my application at Southern U, and it appears that they never received your letter of recommendation. I recall seeing a "received" status back in December when you confirmed with me that you sent them all out. Did you receive a confirmation email from the submission system that you could forward to me? I am concerned that they never reviewed my file because it was incomplete. Blah blah blah, other people have received word from SU, blah blah blah. Thank you again for writing on my behalf, blah blah blah.

- JLK

(Sent over a month ago. No response. Also no response to a follow-up email letting Professor X know the status of all my applications including SU.)

To: Grad Student Mentor
Subject: Manuscript

Dear GSM,

       In order for me to complete my portion of the article manuscript, I need to know if you are intending to include all of our data. At the conference, we only presented part 2 of the study. Are we including part 1 in the submission? Also, when would you like the draft completed by?

- JLK

(Sent 3+ weeks ago. No response.)

To: Rockstar Professor/Research Advisor
Subject: Research Project

Dear RP/RA,

      In your book, _____, you mention that no one has examined Z within framework Y. I would like to pursue this experimentally and I have an idea how it can be done. A recent review of the literature did not bring up any contributions to this issue. Do you know if I would still be able to do this at MRU, and if so, are you willing and able to serve as a guide to me during the creation and execution of the project? I would not require funding, but I would need access to resources A, B, and C at MRU. Upon completion, if the findings are relevant and significant, I would like to aim for submission this fall to Journal W or Journal S if you think that is a reasonable goal. 

- JLK

(Sent 3 weeks ago. No response.)

I know that my email is working just fine. I'm starting to think that people look at the sender in their inbox and say, "Eh, not this chick again."

Tuesday, December 30, 2008

On Being Impotent in My Field

I'm just going to say right up front, please pardon what is sure to come across as arrogance in this post. 

Okay, now that the disclaimer is done....

I am in a shitty transition period right now. I'm no longer an undergrad, but not yet accepted as a grad student. Because I graduated in December, I have a much longer transition period than students who wouldn't graduate until May. 

This translates to a profound impotence in my field of academia. 

What do I mean by that? Well, there are a lot of things I would love to be doing right now that directly relate to my aspirations but can't because of either lack of status or qualifications. 

For example, I would LOVE to be doing peer review for one of the journals in my field - even a little one. But even though I am entirely confident in my critical thinking skills and ability to objectively and thoroughly evaluate research, I don't have anything to prove it to the powers that be. 

Other than the project I am in the middle of working on for which I am second author, I am unable to produce any of my own research right now because I am "without institutional affiliation" if you will. Which also = without funding. 

I can't run for office in any of my professional organizations because not only am I without institutional affiliation, I am not yet a grad student either. I am utterly useless. 

I just want my science. That's all I want. I am more capable and have a greater mind for it than most of the grad students at my former MRU. Seriously. I wake up in the middle of the night with ideas for research that are quite awesome and about 99% of them have never been done before when I do a lit search the next day. 

I have an absolute hunger for it. All of it. I have hundreds of MBs of journal articles on my computer that I read for leisure, not to mention all the subscriptions that come in my mailbox. I read books covering all aspects of my field constantly. You could randomly select any sub-field of psychology and test me on it, and I could hold my own - even the ones I have no respect for whatsoever, like evolutionary psychology (another blog, another time). 

I just want to be INVOLVED, dammit. I want to DO something in my field. Like, NOW. 

Those of you who are in later stages of your science careers - imagine if someone said to you, "Okay, you now have to wait almost a year before you can do ANYTHING in your field. No research, no writing, nothing that anyone will ever consider to be important. No teaching. All you can do is read shit and blog about it if you so choose."

You would probably die, right? That's me right now. I am chomping at the bit. 


Fig. 1: An accurate representation of JLK right now in Social Psychology. "Come on, guys! I wanna play!!!"

Sunday, December 21, 2008

It's Like I'm a Yo-Yo

Got this response today:

Hello JLK:

I sincerely apologize for the delay in getting your letters-of-recommendation out.
I've contacted one of my senior colleagues at Ivy U #1, and also will contact all of
your other schools on Monday to notify them about the delay on my part.

Although some personal matters got in the way, I don't excuse myself for delaying
your letters. Still, knowing a little about grad admissions, and knowing some of the
faculty that you're applying to wok with, I can only assure you that
they will not in anyway discard or fail to read and fully evaluate your application
just because one of your referees did not get their letter in on time. Moreover,
admissions committees know well enough that applicants do not control the faculty
who write letters on their behalf. So, I know and trust they will not hold my delay
against you. I'm notifying the programs because I wish to highlight that you and my
two other students warrant the apology, and I want the admissions committees to know
that under present circumstances I've had to say no and back out of letter writing
this semester. But you are one of the exceptions that I chose to make.

Anyway, again, I don't excuse the delay, but I do hope you understand that your
applications will not be delayed by these recommendation letters. On Monday, I will
finish contacting your schools/programs and confirm that they have electronic mail
and fax copies of your letters.

- Dr. X.

Seriously, it's like I have this bipolar relationship with him. I've gone back and forth between wanting to scream at him and wanting to bear hug him this semester like a hundred times. 

I know that this is nothing compared to the stress of being in grad school - I just keep hoping I'm gonna get to take a break for at least a few months before I start a program, ya know?

Goddamn. Is this how air traffic controllers feel most days?

Thursday, December 11, 2008

It's Official!

I'm done! 

2 and a half years of juggling a full-time career with full-time undergrad studies....did 3 1/2 years worth of work in that time frame. And I finally have a degree to show for it. 

I cannot even begin to tell you how hard I've worked, how many sacrifices I've made, how little of a social life I have had. 

It was worth it, but it was fucking difficult. I'm not going to lie. 

I am off to celebrate with a glass of Nuvo while I read and comment on your blogs. Why? Because now I have time!

And this Sunday, I will graduate. A woman who, as a girl, barely graduated high school after 97 absences senior year. 

Summa Cum Laude. Goddamn, I love the sound of that. :)

Thursday, December 4, 2008

It's Almost Over!!! Yippee!!

Though I should probably be telling you all that I won't be blogging for a week or so until I get through the rest of the semester, we all know I'd be lying. Instead, I'll say that I probably won't be commenting on YOUR blogs as much until the craziness dies down. 

My last classes were today. Finals are next week. Graduation is in a little over a week. 

And then I am D-O-N-E!!!! 

Grad school or not, doing nothing but going to work for the next 7 months or so is going to feel like an absolute vacation!

Monday, December 1, 2008

Huge Sigh of Relief

Yesterday I had resigned myself to the fact that I was going to have to ask my boss for a recommendation letter, apologizing profusely for the last-minute request. It had been my intention today to contact him and ask. I spent 24 hours or so figuring out exactly what I was going to say and how I was going to make it all happen so quickly. 

And then, this morning, I checked my MRU email for the gazillionth time:


Hello JLK,

Hope you enjoyed Thanksgiving break. Quick message from my cell
phone... I'll be back in the office by 3:30p, and will have your ''hand' letters. Let me
know if you will come by then, else I'll leave letters in mailbox. Let me know.

- Dr. X.

I felt like a blood vessel in my head that was reaching critical mass and preparing to explode just released and relaxed. 

If I see Dr. X when I pick up the letters, I may just have to offer up a bear hug of gratitude. 

2 Dr. X letters down, 8 more to go. 

Friday, November 28, 2008

$*&%&!!!!!!!!!

Just an update on my horrible situation with Professor #3. I sent the following email on Tuesday:

Dear Dr. X,

I have decided to go ahead and mail in my application packet. The first
will go out tomorrow because of the 12/1 deadline.

The other application that requires the letter to be mailed as part of
the application materials is the University of X, due on 12/15.
Because this is one of my top choice schools, I intend to mail it out
on Tuesday 12/2. If you are able to get the letter for this program to
me by Monday 12/1, I will mail it in with the materials. Otherwise, I
am going to include a letter to the admissions committee explaining
that due to unforeseen circumstances, the 3rd letter has been delayed
and I will mail it to them as soon as it is available. In that case, I
will drop off a fully-addressed, stamped envelope with the required
cover sheet in your mailbox on Tuesday 12/2 so that it can be
mailed to them directly when you are ready.

It is my hope that this course of action will both reduce my stress and
the burden that I have placed on you. I appreciate your willingness to
write on my behalf more than you could ever know, particularly because
I have spent much more time with you one-on-one than any other
professor at MRU other than my advisor.

I understand that this is an incredibly busy time for you, especially
with the end of the semester and finals coming up. The letter that I
included in the packet I provided you on 10/10 includes a list of all
the programs and their due dates. If, for any reason, you do not feel
that you will be able to complete the letters by the due dates, (6 of
them are due on 12/15), please let me know as soon as possible so that
I can try to make other arrangements in time.

Thank you, and have a happy Thanksgiving!

- JLK



Well, for those of you keeping up with this drama, Dr. X said last friday that they would email me this week and let me know when I can pick up the letter.

Not only have I not heard from Dr. X in that regard, I have not heard a response to this email either.

Why me? Seriously. So much for Jedi manipulations of guilt.

Thursday, November 20, 2008

Freaking Out - Could Use Immediate Advice

All of my December apps are done and ready to go. Except for one HUGE problem. Professor #3 who committed to writing letters more than 7 weeks ago is completely unheard from. 1st application is due BY MAIL 11 days from now. In the packet I provided to all of them I asked for the letters that I have to send in to be returned to me by 11/17. There are only 2 of them. Professors #1 and #2 have both provided me with theirs. Next week is Thanksgiving break. 

I e-mailed Professor #3 a very gentle reminder a few days ago, put in terms of "I wanted to make sure that you received all the online application invites and that there isn't anything else you need from me that would be helpful to you in the process...blah blah blah." Reminded very gently that the first deadline is 12/1. 

I have not gotten a response. I am freaking out. Maybe a bit prematurely, but still. The problem is that application #1 is entirely in paper form, with all materials including transcripts, essays, recommendation letters going out in one single packet mailed by me. Most of the others are some combination of hardcopy material and online stuff. I'm not as worried about those, especially since those deadlines don't start until 12/15. Grad school #1 therefore does not even know that I'm applying at this point, whereas all other December schools have absolutely everything already except for 1 recommendation letter. I hear that admissions programs are somewhat lenient about letters being late if all other materials were there early. 

So what do I do? I can't exactly stalk professor #3, and seeing as I already sent an email I don't know what else to do that doesn't cross a line. It's way too freakin late to try to get a letter from someone else. 

Any suggestions??

Monday, November 17, 2008

Back to the Mentors Thing

I came across this posting by Scicurious, whose blog (I'm sorry to say) I had not previously read. I was a little excited to see that she referred to my comments on a related post as "excellent" and so now I have a new blogger to add to my blogroll. (Yup, it's that easy to get my attention.)

But now that I have a blog of my own instead of just relying on the impact of comments I am able to make on that of others, I wanted to delve a little deeper into my personal tale of mentor woes. I was previously concerned that I would come across as a whiner, but again I say: Fuck it, it's my blog. 

So here's the deal. (And I'm gonna do a little bragging here, because it's warranted.) I have a 4.0 cumulative GPA at MRU and at the community college where I completed half of my coursework. Unless I majorly fuck up the last 3 weeks of this semester, I will be graduating Summa Cum Laude in December. I have done all of this while working full-time in an outside sales position and taking classes full-time. 

Now here's where the tale gets a bit complex and explains how and why my situation is so unique beyond the nontraditional, working student aspect. (Bear with me now, as I think most of you know at this point that I am a long-winded storyteller with a particular love for details). Dammit, I hope no one figures out who I am from this post.  

The first time I went to college I was 17 years old. Same major as I am now, I have always known what I wanted to do. College #1 was a smaller division of a large state U. I was very involved in activities within my department, I was VP of an association for majors in my division. I did all sorts of extra-curricular shit. All of my classes were taught by full professors, and they all knew me by name. It was great, though I didn't realize it at the time. I was forced to leave after a year because they dropped my financial aid. Went to work full-time and stayed away from academia until 2006, when I returned in the summer to start taking classes at the community college in my town. It was there that I met my personal mentor and Favorite Person In The World, but I'll save the info about her for another post. 

At this CC, I knew ALL of my professors, the dean, the president of the college - they all knew me by name and face, and the essential features of my back-story. I had one professor offer to write me a recommendation for anything if I ever needed one after a 6 week summer session in a philosophy course. This person was not my mentor, and I only ever had the one class with him. Still to this day, if I see him outside of campus, he knows who I am and asks how I'm doing. I have a relationship with every single one of the people who taught a course to me at the CC, on varying levels sure, but it's there. 

I was at the CC for 1 year. In my second semester I realized that I needed to apply to 4yr schools to complete my degree. Although I was accepted to some excellent private universities and colleges, some of whom offered me ridiculous scholarships, MRU was still much, much cheaper when it came to out-of-pocket expense. So I ended up there. 

As a nontrad who works full-time at an MRU, it is difficult enough to just get the classes that you need in the timeframes that you can take them, let alone adding in extra-curriculars or undergrad research. In order to complete my degree as quickly as possible, I have taken courses year round for the past 2 years, including summer sessions. Other than a single research methods course, I did not have any courses in my major until this past spring semester, and even then it was only one. It was taught by a full professor whom I absolutely adored, and he is writing letters on my behalf for grad school this fall. He also recruited me into his lab, but he knew that because of work obligations I could not commit to performing work for course credit, so I agreed to contribute on a volunteer basis in order to gain the experience (and of course the letters). 

But within a month after starting at MRU as a transfer student, I began looking into grad programs and what it would take to get in. I knew I needed research experience, so I looked into faculty research interests and found the professor who was studying the stuff I want to do in grad school. I read about 7 of her articles, and then contacted her to let her know I was interested in working in her lab. Provided my GPA and the coursework in my major that I had completed. She responded only to direct me to her lab coordinator, a grad student I have worked with ever since. Now don't get me wrong, I enjoy working with this student a great deal. We're the same age, and she has never treated me like a lowly undergrad. The work I did for her resulted in her offering me second authorship and a primary role in a study she is in the midst of that will result in a presentation and (hopefully) publication in a major journal come spring. 

Although I have expressed interest on multiple occasions in meeting with the professor whose lab I am involved in regularly, the offer was never extended to me. The class that she normally teaches was offered during a summer session with a grad student instructor, so I took it then instead of waiting and hoping that a section with the professor would be offered and available during a time I could take it this fall. As a side note, I did not know how much of a "rockstar" she was until AFTER I started working in the lab and became aware of her connections. I approached her for the sole reason that I found her work fascinating and felt I could learn a lot from her. Unfortunately, in the 7 months that I have spent in her lab, I have met her exactly once. If I came up to her on campus tomorrow and said "hi" she would have no idea who I am. (Unless she has a really, really good photographic memory.)

I was told by my grad student mentor that all the necessary info for the letters would be provided to the professor by her. She essentially acted as the go-between for the professor and I. I have busted my ass for her at every opportunity since I started in the lab, despite working long hours and having tons of homework, exams, and papers to do. I needed the experience, and I like to think that she needed my help. 

But when I provided all of the materials for grad school letters at the grad student's advice, I received an email from the professor reminding me that she had never had me in class, nor had she had much contact with me in the lab. She said she was happy to write the letters and had nothing negative to say, but reminded me that most of the programs I am applying to are extremely competitive and that she didn't feel she had anything to contribute to my application that could put them over the top in an admissions decision. I thanked her for her honesty and explained my predicament - that her lab was the only one in which I had substantial experience, that being a transfer student I did not have as much contact with professors as I would have liked because I have only been a student there for a year, that my advisor who had gotten to know me very well had left for sabbatical at the end of the spring and was therefore unreachable, reminded her of the close working relationship between her lab coordinator and I, and once again expressed a desire to meet with her one-on-one. I also explained that I was not basing my applications on the competition, because I had worked extremely hard for my grades and test scores, and that to apply to schools based solely on competition level would require me to sacrifice my research interests for the sake of earning a degree, and that was not something I was/am willing to do. 

The next response I received was to inform me that the letters had been completed and submitted. She will get a personal, heartfelt, handwritten "thank you" card from me for writing on my behalf. But it saddens me that I did not get to know her or her work on a substantial level for the simple reason that she was unavailable for such contact. I feel like I should have waited and taken her class in the fall, but then I would either be overloaded with work this semester, or I wouldn't be graduating until May. I also would have had to sacrifice the research experience in order to do so. I feel like, at the end of the day, the experience itself is more valuable to my applications than a sparkling letter from a rockstar professor. But who knows? I could be wrong on that. I won't know until Feb./March. 

All but 4 classes in my major at MRU have been taught by grad students. I love taking courses with grad students because they tend to be up on all the latest research. But my opportunity to impress faculty members in my major did not arrive until this semester, and at this point it's too late for anything I do or say to impact my grad school applications. I am relying on the incredibly strong relationship I have with my mentor from the CC, the experience of having taught me, seen how I am in a classroom setting, and seeing some superficial research work I can do from the professor I had in the spring, and I am relying on the blood, sweat, and tears I have put into a grad student's work in rockstar professor's lab to provide a well-rounded picture of who I am and what I can do for grad admissions committees. 

If I wanted to take longer to complete my undergrad degree, wanted to spend exponentially more money on tuition, and/or was able to quit my job to just worry about school like the rest of the 18-21yr olds I attend classes with, I am sure I could have formed stronger relationships with the professors in my department. And maybe that ends up hurting me when Ivy league schools are looking at my apps. But in my mind, grad school was never an option - it was exactly where I wanted to go and what I wanted to do. As far as I'm concerned, my undergrad degree is just a formality - just another hoop to jump through on my way to my ultimate goals. I am hoping, praying, crossing my fingers that the admissions committees will recognize that and not hold against me the fact that I didn't do an honors thesis or join Phi Beta Kappa. 

I have angled my entire applications on the fact that I have been a working student in a field with an amount of flexibility that requires the same skills that a doctoral program demands, and that my life experience makes me more qualified than a 21yr old undergrad with the same gpa and a paper with authorship (seeing as I am working on the same). That 21yr old undergrad didn't have a mortgage to pay, a husband to take care of, and a real job with real responsibilities while they were going to school. I did. 

And if that's not multi-tasking at its best, I don't know what is. 

Saturday, November 15, 2008

Advisors and Mentors

I just finished reading this post by PhizzleDizzle. There has been a lot of discussion recently about advisors  and mentors in academia. I've posted a few comments on the issue here and there, but at the time I didn't have my own blog where I could get detailed. 

I took a break tonight from blogging during which I wrote and submitted application essay #6 out of 10. So since I was at least a little productive, I figure what the hell. Might as well blog!

PhizzleDizzle and AA have both made the point that you need to be careful when choosing an advisor, because even if they're a rockstar they might be certifiable. Both of them are in different fields than I am, so now I wonder - am I fucked?

I don't know how the application process works for grad school in other areas of study, and I'm too wrapped up in my own shit to go find out. If I'm way off base here, please comment and let me know. But in the social sciences, you need to know when you apply who you want to be your advisor. You can give multiple people's names, but at the end of the day it's like being a mail-order bride. If they want you, you're theirs for better or for worse. 

Some programs are more flexible than others and will allow you to choose your advisor in the second semester of your first year as a grad student, regardless of whose decision it was to admit you. Some departments choose your advisor for you, and won't let you switch unless you suddenly change specialties in a manner so drastic that it has no relevance to your original plan of research. 

I spent a year doing lit searches on the topics I'm interested in, and googling authors to find out what schools they were at. I also worked in reverse - going through the list of schools with the program I want and then doing lit searches on the professors in that department. I ended up with a final list of 10 schools and probably 20-30 professors between all of them. Every grad school app guide for my field I've purchased tells me not to email professors unless I absolutely cannot get the answers to my questions from another source. Except for a few brief emails asking whether or not they were accepting grad students for next year, I have refrained from bugging them. 

How am I supposed to figure out if they're nuts or a straight-up asshole? There are no interviews for grad school in my area of specialization. No mandatory campus visits. I'm supposed to base my decision on everything I can get my hands on to read about them, and they do the same for me. 

Now having been in sales for most of my adult life, I have learned to deal with a lot of shit that people dish out. I like to think that in this sense I am more prepared for grad school than the average undergrad. I also like to think that my powerful desire to learn from those with more experience will overpower any shit that my advisors may feel like dishing out. But will that prove to be true when I'm actually there?

I have never wanted anything as badly as I want to be in a doctoral program. The desire was always there, but I think being an irrelevant undergrad at an MRU has made it flame out of control. I want to learn the "real" stuff. I want to be trained to be an expert in my field. I want to be involved in the latest and greatest research that may someday make a difference in even the smallest of ways. I have basically whored myself as a research assistant in order to make this happen. 

But I've heard the horror stories from within my field about how being a grad student is like joining a fraternity or sorority with a 5-6 yr long hazing phase. Most people say that the worse a professor was treated by his or her advisor, the worse they eventually treat their own grad students. I have been mentally preparing myself for this inevitable hell for 2 years now. 

Are you telling me that in other fields, you aren't married to your advisor until you get there and have worked with them for awhile? Whereas I'm over here reading articles in major journals trying to gauge whether or not a particular professor is a douchebag through the quality of their work alone? 

It's true. I'm fucked. 
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