Dp fan It c°ntinued fr°m p*«e *
deferment.”
The problem has usually oc
curred with people who have
taken breaks in their education
and are reapplying for loans.
The reason more of these er
roneous defaults are occurring.
Kittredge says, is that lenders
are pushing loans into default
with little attention to the rules.
"Lenders are anxious to get
loans into default.” says Ed
Vignoul. University financial
aid director. “It means they can
get their money from the
government, and it makes good
business sense.
“Let’s be realistic — the
banks are not benevolent in
stitutions. nor should they be.”
Vignoul said. “They’re in the
business to make money."
But. he added. "If a mistake
is made in declaring a loan in
default, the system has to be
responsive to that. If it’s not. the
system damn well ought to be
changed."
Kittredge says the system is
not responsive. "Once a loan
goes over the brink, there’s no
mechanism for bringing it
back,’’ he says. "That’s what
happened to Richard.”
In addition, changes in the
rules have done just the op
posite — they have made it
more advantageous for lenders
to default student loans. Kit
tredge says.
Phillips’ situation is not the
only one of its kind. Kittredge
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Oregon Daily
Emerald
The Oregon Daily Emerald Is published Monday
through Friday except during exam week and vacations
by the Oregon Daily Emerald Publishing Co., at the
University of Oregon, Eugene, Oregon, 97403
The Emerald operates independently of the University
with offices on the third floor of the Erb Memorial Union
and is a member of the Associated Press
The Emerald is private property The unlawful removal
or use of papers is prosecutable by law.
General Staff
Advertising Director Susan Thelen
Production Manager Russell Steele
Classified Advertising Vince Adams
Assistant to the Publisher Jean Ownbey
Advertising Sales: David Wood Sales Manager, John
Boiler • Intern, Michael Gray, Robin Joannides, Carlos
Lamadrid, Marcia Leonard, Shawn Leuthold, Julie Lewis,
Catherine Ulja - Intern, Brett Pickman, Anne-Marie
Vrantzan • Intern, Laura Willoughby
Production Vince Adams, Kelly Alexandre, Shu-Shing
Chen, Ellen Cross, Judy Dieringer, Stormi Dykes, Manuel
Fiores, Steve Gibbons, Rob Hare, Jim Marks, Ross Mar
tin, Mary May, Mary McGonigai, Rob Miles, Angie Muniz,
Kara Oberst, Charia Parker, Ken Parrott, Jennifer Peter
son, Geoff RaJnville, Michele Ross, Alyson Simmons, Peg
Solonika, Gregory Tipps, Colleen Tremaine, Steven WalL
Editor
Managing Editor
News Editor
Editorial Pag* Editor
Editorial Pag* Assistant
Sports Editor
Photo Editor
Graphics Editor
Friday Edition Editor
Sidelines Editor
Night Editor
Associate Editors
Higher Education
Community
General Assignment
Administration
Student Government
Student Activities
Reporters Sean Axmaker, Dan Coran, Karen Engel. Frale
de Guzman, Deborah Janes, Kim Kaady, Andrew Larriar,
Robert Oakes, Barbara Shaw, B.J. Thomsen
Photographers Kamila Al-Najjar, Shu-Shing Chen, Steve
Gibbons, Rob Hare, Jim Marks, Ross Martin, Steven Wall
Julie Shlppen
Diana Elliott
Jolayne Houtz
Michelle Brence
Matthew Dodson
Robert Colltas
Karen Stailwood
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News and Editorial
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Classified Advertising
Production
Circulation
6M-5511
666-3712
66*4343
666-5511
says last year he sent an infor
mation packet to a collection
agency for a student whose loan
was erroneously defaulted.
'it’s absurd.” Kittredge says.
"I don't know if they ate it for
lunch, flushed it down the toilet
or what they did with it.
‘‘Some of these collection
agencies are so far off base,"
Kittredge says. "They’re sup
posed to take reasonable action
to determine whether a loan is
in fact collectible.”
In other cases Kittredge has
found it difficult to find an ad
dress. phone number or cor
porate officer for the agency that
is demanding payments.
But Jeff Lee, of the Oregon
State Scholarship Commission,
says cases like Phdlips' am not
the rule. And most of the time,
he adds when a default occurs,
it is because the student has not
met his or her obligation.
"There are some glitches in
the program, and there are some
agencies and individuals out
there who are not perfect,” Lee
says. "But 1 don't see it as an
overall problem with the the
program."
Statistics support lute's point
that the majority of loans
defaulted are legitimate.
Oregon students have defaulted
on $17 million in GSL loans
since the program’s inception.
Hut the figures can be
misleading. Kittredge says.
time. l<e« says.
"The logic that's being used
is that we have a trillion dollar
debt because these raggedy
bums aren't paying their stu
dent loans," Kittredge says.
"It's too bad they’re allowed
to treat a student like a welfare
cheat before they've verified the
‘It’s too bad they're allowed to treat a stu
dent like a welfare cheat before they've
verified the facts.'
— Richard Phillips
"Students ere getting a bum
rap on loan defaults." Kittredge
says.
"It’s true that this program
has not been a favorite program
with the Reagan administra
tion.'Man! adds. "The negative
press coming out of Washington
on the subject of loan defaults is
not an accident."
In fact, the Reagan ad
ministration has been trying to
reduce this program for a long
fact*," Phillips says. "I wish
the state agencies would do a
little double-checking before
they call in the bloodhounds."
kfttredge did add that most of
the problems he has en
countered have come from out
of state. "We’re really lucky in
this state. The guys at the
Oregon State Scholarship Com
mission will go out of their wav
to help resolve a problem."
Et al.
MEETINGS
1 he Christian Science
Organization at the University
invites students and faculty to
attend its weekly testimonial
meetings at 6:30 p.m. every
Tuesday. Tonight's meeting is
in Room 33? EMU.
Campus Crusade's weekly
meeting "Prime Time" tonight
at 8:30 p.m.. in Room 238
Gilbert Hail. Everyone
welcome.
BUDGET FARES!
SPECIAL STUDENT PARES
AND SERVICES FOR
STUDENT TRAVELERS
Special Youth student ratM to
Scandanavla
Pram *500 R.T.
Tokyo.*525 R.T.
715 SW Morrison Suite 1020
1 *800-228-2854
People for the Ethical Treat
menl of Animal* will hold it*
monthly moot inn today at 6:30
p.m, in the Westmoreland Com
munity Center. 1545 W. 22nd
Ave. All animal activists are en
couraged to attend . For more in
formation. call 485-2237.
The Women’s (arming Out
and Support Group will not
meet today hut will resume
meeting next Monday at 7 p.m.
in the Gay and lesbian Alliance
office, Room 319 Bill), For
more information, call
686-3360,
LECTURES
“Japanese-Americans —
From Imprisonment to Model
Minority" is the topic of an
"Apple Pie Seminar" by Peggy
Nagae. associate law school
professor, from 7-8 p.m. tonight
in McClure Hall (Karl dormitory
complex). The talk is free and
open to the public. Apple pie
and ice cream served.
MISCEUjANFX)US
Does your academic depart
ment serve your needs? Student
Senate has positions open for
business, humanities,
psychology and undeclared ma
jors. Apply for positions in
Suite 4. EMU.
Interested in getting valuable
internship experience while
getting upper-division credit?
Come to Room 141 Straub Hall
or call 686-4936. Psychology
peer advising is accepting ap
plications for new winter term
2 FREE
TOPPINGS!
On Any Size Pizza |,
| (not valid with any othar ollar) |
1473 E 19th
[ 343-8023 !
peer advisorsOeadline is Nov,
' is, •
Intervarsitv Rally. including
singing and Christian
fellowship, today at 7:30 p.m
in Room 112 KMU.
INTERVIEWS
The Job Location and
Development tenter is looking
for students who wan! to work
retail jobs during the Christmas
season. All jobs are in the
Kugene/Springfield area Inter
views will begin this week For
more information, stop bv the
Job Center. 1511 Agate St
Campus interviews will be
held this week by the following
recruiters:
Note: for meetings with no
time or location. call BHti-3235.
Today: Peace Corps
(volunteer): United TuleSpec
trurr, |ama manager).
Wednesday: Black & Decker
(retail sales rep); Sav-On Drugs
(mgmt trainee); U.S. Navy
recruiting district (Room ltl«
KMU. ft a.m. to 4 p.m.)
Thursday: Chambers Cable
Comm.. Inc. (plant manager);
Ceorgia Pacific Carp (jr. acct
and internal auditor — min.
(iPA :».y): Unlv. of San Diego,
lawyer's asst program (grad
school, lawyer's asst training)
— group meeting: 1:30 p.m..
Room 111 FMU.
Deadline for submitting Kt als
to the Emerald front desk. KMU
Suite 300, is noon the day
before publication.
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