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Debt And Deceit

机译:债务与欺骗

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In February 2014 Kim Kotary was living in Queens, N.Y., working 25 hours a week in three part-time jobs at nonprofits and as a freelance crafts teacher and designer, and worrying how she'd ever pay off the $20,000 she borrowed to earn a master's from New York's Fashion Institute of Technology back in 2002. So when she heard a radio ad offering information about how those working for nonprofits could get student debt forgiven, she called the 800 number. A phone rep told her Broadsword Student Advantage could get her monthly payments suspended, based on her poverty-level income, and help her apply to get her debt forgiven after ten years. Kotary agreed to pay Broadsword $500 and signed its forms online, without, she admits, reading them closely. On top of the $500, Affordable Life Plans, a Securities & Exchange Commission-registered investment advisor, started taking $29.95 a month from her bank account. Then, last August, Kotary lost her main part-time nonprofit gig. "When I found out it was free, it really pissed me off," says Kotary, 43, who has stopped the monthly payments. "I was told that they could help me save more than they charged me for the services."
机译:2014年2月,金·科塔里(Kim Kotary)住在纽约州皇后区(Queens),每周工作25个小时,在非营利组织做三份兼职工作,并担任自由手工艺品老师和设计师,她担心自己如何偿还借来的20,000美元来赚取她是2002年从纽约时装技术学院获得硕士学位的。所以,当她听到广播广告提供有关为非营利组织工作的人如何免除学生债务的信息时,她给800打电话。一位电话代表告诉她,宽剑学生优惠计划可以根据她的贫困水平收入,使她的每月付款被暂停,并帮助她申请十年后免除债务。她承认,Kotary同意向Broadsword支付500美元,并在网上签署了表格,但她没有仔细阅读这些表格。在500美元的基础上,美国证券交易委员会注册的投资顾问Affordable Life Plans每月从她的银行帐户中收取29.95美元。然后,去年8月,科塔里失去了主要的兼职非营利组织演出。 43岁的科塔里说:“当我发现它是免费的时,确实让我大为恼火。” “有人告诉我,他们可以为我省更多的钱,而不是向我收取服务费。”

著录项

  • 来源
    《Forbes》 |2015年第2期|82-87|共6页
  • 作者

    JOHN F. WASIK;

  • 作者单位
  • 收录信息 美国《科学引文索引》(SCI);
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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