University Daily Kansan / Wednesday, April 17, 1991
5
Roof repair
Ron Klein/KANSAN
Jerry Howard, frame and body technician for Laird Noller Ford-Lincoln-Mercury-Mazda, 23rd and Alabama streets, installs a new roof on a 1989 Mazda 323 to replace one damaged by hail in a recent storm. Chuck Kramer, new car and truck manager, said that the dealership gave estimates for more than 500 hall-damaged cars after the storm and that the bodyshop would repair more than 100 cars. Kramer estimated that the dealership would be busy repairing the cars until January 1992.
Service aids students in debt
Counselors analyze spending, expenses By Katie Chisman
Kansan staff writer
When students get into financial trouble from credit cards, loans or just everyday spending, there is a place they can go to receive counseling about how to get out of debt.
Eldon Gill, consumer credit counselor, works with students and evaluates their spending habits to find where the problems lie.
"We work with people who are having trouble paying their bills," he said. "Whether it's because of not budgeting right, a medical emergency that set them back or a loan problem, we'll help them."
Gill, who works for Consumer Credit Counseling Service, a private nonprofit organization based in New York, on Tuesday and Thursday.
The service charges a one-time fee of $20 for counseling sessions. However, if students cannot pay, alternative payment plans can be arranged.
During counseling sessions, the client's monthly living expenses are evaluated to find how much money is being spent.
"We look at every aspect of spending from medical expenses to magazine subscriptions." he said
Gill said credit counselors enrol- eraged students to plan ahead for expenses they knew they would incur
"Our main concern is to help people budget and try to find ways that they can work themselves out of it. We also just need to change their lifestyles."
Gill said that an increasing number of students were coming to receive counseling for the debts they had accumulated.
"A lot of students get in over their heads," he said. "One out of every 10 students I see is in trouble because of credit cards."
"A good rule of thumb is don't put an onion on it that you can't pay in full.
Gill said it was important for
students to have a clean credit record because in most professions it is likely that credit records will be checked when applying for jobs.
He said that a bad debt stayed on a person's record for seven years after it was paid off.
"If you can't make the full payment, contact the creditors and tell them you can't pay and at least try to pay off the finance charge, which is two percent of the outstanding balance," he said. "That usually keeps from turning the debt over to a collection agency."
Jerry Rogers, KU director of financial aid, said it was easy for students who recently had graduated to get into debt because of the expenses they faced after graduation.
"Pretty close to one out of three students has some kind of a loan they have to pay back when they get out of college," he said. "A lot of people helpless and ditch out of paying, and he is now they get themselves in trouble."
For more information, call the Topeka office at 1-234-0217.
Only while supplies last. (He or.she who hesitates sometimes misses out.) Don't let this happen to you!
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