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	<title>Sam Moffatt @ Pasamio.com &#187; australia</title>
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	<link>http://pasamio.com</link>
	<description>Sam Moffatt's Tech Blog: Writings on Technology</description>
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		<title>A tale of two experiences: Dealing with Telstra customer support</title>
		<link>http://pasamio.com/2011/08/05/a-tale-of-two-experiences-dealing-with-telstra-customer-support/</link>
		<comments>http://pasamio.com/2011/08/05/a-tale-of-two-experiences-dealing-with-telstra-customer-support/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 13:02:56 +0000</pubDate>
		<dc:creator>pasamio</dc:creator>
				<category><![CDATA[australia]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[thoughts]]></category>

		<guid isPermaLink="false">http://pasamio.com/?p=837</guid>
		<description><![CDATA[Once upon a time I was a happy Telstra customer. I had switched to Telstra from Optus after the release of the iPhone4 having realised that I was paying Optus the same amount of money as Telstra was charging to effectively get the same level of service, perhaps even a little less from Optus than [...]]]></description>
			<content:encoded><![CDATA[<p>Once upon a time I was a happy Telstra customer. I had switched to Telstra from Optus after the release of the iPhone4 having realised that I was paying Optus the same amount of money as Telstra was charging to effectively get the same level of service, perhaps even a little less from Optus than what Telstra offered.<br />
<span id="more-837"></span><br />
My story with Optus is another tale of disappointment that their system managed to get to a point where I couldn&#8217;t give them more money without it costing me over $200 (yes, backwards) which did help leaving them as well. But this story is about Telstra.</p>
<p>And the story begins around December 2010 with a defective iPhone 4 and Exchange. I had attempted to forward an email out of my work&#8217;s Exchange mailbox to a system administrator I was sitting next to from my iPhone. For some reason at the time this didn&#8217;t work quickly so I tried to forward it a few more times from my iPhone. It didn&#8217;t turn up at the other end and I forgot about it. Over the next few days I noticed that my phone was warmer than usual however I couldn&#8217;t work out what was going on. I made sure any application I could think of that would use data was terminated and I even tried to restart my phone at one point to make sure it was clear. I noticed that it was continually transmitting data but it continued to do that even after a restart of the phone. What&#8217;s going on?</p>
<p>I ended up in the mail application and noticed that it had a messaging saying there was one unsent message. I jumped into the outbox on the phone and saw that there was an error against the message that I&#8217;d been trying to send earlier in the week. I nuked it and watched my data usage stop increasing. By this time I&#8217;d received a wonderful SMS from Telstra letting me know that I&#8217;d gone over my limit. Was frustrating to be told I&#8217;d gone over my limit without knowing why it had happened.</p>
<p>Having figured out what was the root cause of the issue, I contacted Telstra. Unfortunately the fellow on the other end of the phone informed me that until I had a bill they couldn&#8217;t do anything for me. They did however give me a reference number and said that when the bill came that they would waive the data charges. Suffice to say that when the bill came, I called back and the person said the data charge had been waived. It turns out that they hadn&#8217;t waived the charge and a month later I called back and actually got some progress this time. It is disappointing that I had to ring three times to get it sorted however at all times the experience was positive and supportive. </p>
<p>In the mean time I had filed a bug report with Apple (actually before I contacted Telstra and I provided that bug report number to Telstra so that they could verify it if they needed it). I worked with the World Wide Developer Relations team to triage the issue and provide log files. I conclusively managed to nail it down to an issue with MobileMail&#8217;s background thread that would continue to resend the mail even though it was failing. The error seems to be a part of the ActiveSync protocol and there are some funky results returned. </p>
<p>As an aside, a month later or so I noted an article complaining about Windows Phone 7 chewing data from CNet (http://news.cnet.com/8301-10805_3-20030159-75.html). The article for the most part blamed Yahoo! but I also noticed something very interesting at the bottom:</p>
<blockquote><p>Microsoft has also identified an issue with our Exchange ActiveSync [EAS] email synchronization protocol that may affect a very small percentage of users.</p>
<ul>
<li>This issue can be caused by email that exceeds the mail server email size setting or is sent to an invalid email address</li>
<li>This issue can potentially affect email services that utilize the EAS protocol &#8211; Outlook and Gmail for example</li>
<li>The immediate mitigation is for users to delete mail that appears &#8220;stuck&#8221; in the outbox</li>
<li>This is currently scheduled to be fixed in a near-term end user update from Microsoft</li>
</ul>
</blockquote>
<p>Now the email in question that I was using was nearly 8MB with a 6MB PDF file as an attachment. I think that fits into some of the mail size settings. The service in question was the Exchange Active Sync protocol as implemented on the iPhone. The mail did appear to be &#8220;stuck&#8221; in the outbox and the iPhone kept sending it and apparently there will be an update from Microsoft. I&#8217;ve gone through again today and reproduced the issue on my iPhone4 running iOS 4.3.5 which is Apple&#8217;s latest stable release. In doing this I noticed that the phone was sending nearly 1MB of data each minute. </p>
<p>So now this happened another time and given my last experience I wasn&#8217;t worried about it. The last time it happened while it took three calls the matter was resolved relatively painlessly. I didn&#8217;t call when it happened because last time it didn&#8217;t make a difference &#8211; and that wasn&#8217;t necessarily Telstra&#8217;s fault the first time. However eventually the bill came and curiously this time Telstra sent me an SMS informing me of what I&#8217;d already known &#8211; I&#8217;d gone over my data limit. This time it gave me a message suggesting that I call a particular number.</p>
<p>I&#8217;ll be blunt and say that I was actually really excited and impressed. Telstra was actually making a positive move to get an issue resolved pre-emptively. I presume this was set up as an automated feature however someone put some thought into it somewhere. That, tied with the last experience, had me hopeful that I&#8217;d have a great experience. Oh how I ended up being wrong.</p>
<p>I rang the number, got through and explained what I wanted to happen and was told &#8220;You&#8217;ve rung the wrong number, I don&#8217;t actually handle that.&#8221; Wait, what? I rang the number your SMS&#8217;d me to suggest to ring for this particular issue. And the first contact I have informs me I&#8217;ve rung the wrong number. Someone hasn&#8217;t communicated properly internally. Anyway, the fellow gives it a go and is out of his depth. He tells me there isn&#8217;t any problems with the iPhone. I have two open issues with Apple for the iPhone (one of them being this one) as well as a few other that are marked as duplicates. I&#8217;m well and truly certain there are faults with the device, so someone on Telstra&#8217;s Sales team has drunk more of the cool-aid than I have. But I digress, I tried to explain that this had happened before and that I had an issue report with Apple. The fellow has a chat with his supervisor concerned he&#8217;s not going to get a commission from this call then transfer me to the iPhone department assuring me that he&#8217;d communicated my issue to them.</p>
<p>So the iPhone person gets on the phone and starts explaining to me how to turn off the cellular data on my iPhone. I try hard to treat Telstra&#8217;s customer service representatives with respect, inform them of relevant bug reports and even reproduce the issue and what I get treated like an idiot. At this point I felt that I&#8217;d met my obligation to attempt to contact the provider to get the issue resolved and they wanted me to disable cellular data. Go figure.</p>
<p>At this point I put through my complaint to the TIO. After a bit of a false start I got a contact with Telstra&#8217;s customer service representative and we discussed the issue. It started get back towards the sort of positive customer relationship that I&#8217;d like to have with my telephone provider. Unfortunately Telstra&#8217;s billing system continued to pretend that nothing had happened and even managed to send me a suspension notice for my account after the overdue notice. So kind.</p>
<p>Anyway, fast forwards another month I&#8217;d been wondering that I should have a bill from Telstra and it arrived earlier this week. I got back on Wednesday and opened up the bill to find that it noted that I had an overdue amount of $66. I went through my records and couldn&#8217;t find an invoice matching that amount. I did find that overdue notice and suspension notice so I almost wonder if Telstra&#8217;s billing system missed sending me a bill or if it got lost in the post. In any case I rang Telstra to ask about it and got them to send me a second invoice. They informed me that my last bill was apparently $220 or so and my last payment was a couple of days before the end of the billing period which doesn&#8217;t make sense. Today I get a wonderful overdue notice letter again demanding I pay the uninvoiced outstanding amount. Great. How about including the outstanding invoice as well when you do that Telstra plus any other additional invoices that might have been sent. Let me say I&#8217;m less than impressed, particularly when I saw that this bill was the first to note a charge reversal. My TIO complaint was filed on June 8th. That means that its taken them two billing cycles to get this correct (again). I don&#8217;t think I should be surprised. However I do find it rather arrogant that when it involves a debt to myself it takes Telstra two months to resolve the issue but when they want to extract money from me they don&#8217;t let it exceed more than a month before they&#8217;re sending nastygrams.</p>
<p>After all of this I&#8217;m curious if Windows Phone 7 or other Microsoft based operating systems that utilise ActiveSync have similar problems. I note that my Outlook desktop client doesn&#8217;t have this issue and successfully forwarded my test email. Android would also be another interesting test case to see how it behaves to see if the issue can be replicated there or if it is truly a bug with iPhone.</p>
<p>Sooner or later I&#8217;ll get all of this resolved though I&#8217;m soon to be a happy non-customer of Telstra. Not that Optus is better and Vodafone certainly isn&#8217;t an option but fortunately I&#8217;ll have an entirely new set of providers to be upset by in a weeks time.</p>
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		<title>ATO, HECS/HELP and interest &#8211; or lack there of</title>
		<link>http://pasamio.com/2010/07/10/ato-hecshelp-and-interest-or-lack-there-of/</link>
		<comments>http://pasamio.com/2010/07/10/ato-hecshelp-and-interest-or-lack-there-of/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 02:51:21 +0000</pubDate>
		<dc:creator>pasamio</dc:creator>
				<category><![CDATA[australia]]></category>
		<category><![CDATA[thoughts]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://pasamio.com/?p=676</guid>
		<description><![CDATA[In Australia, it&#8217;s tax time again. This means that the tax office sends me nice letters saying how much I owe them for my HECS/HELP debt, how if I paid it all up front it&#8217;d reduce by X amount (if only I had that much money!) and how they don&#8217;t charge &#8220;interest&#8221; on the loan, [...]]]></description>
			<content:encoded><![CDATA[<p>In Australia, it&#8217;s tax time again. This means that the tax office sends me nice letters saying how much I owe them for my HECS/HELP debt, how if I paid it all up front it&#8217;d reduce by X amount (if only I had that much money!) and how they don&#8217;t charge &#8220;interest&#8221; on the loan, they merely &#8220;index&#8221; it against the cost of living. What ever makes it easier to sleep at night. But recently I realised something simple: the Australian Tax Office charges interest not including amounts you&#8217;ve already paid.<br />
<span id="more-676"></span><br />
So lets step back and explain the process. In Australia the government gives you an &#8220;indexed&#8221; loan to help pay your university education debt. It is &#8220;indexed&#8221; at the cost of living set by a method I&#8217;m not entirely privy to but doesn&#8217;t entirely make sense. For 2009/2010 the indexation was &#8220;1.9%&#8221;. A far more accurate way of explaining it is that you are charged interest equivalent to the rate of inflation averaged out for the year on the first of June. Interest calculated yearly, interest charged yearly. Repayments to the loan are based on your income so if you earn less than a certain amount you don&#8217;t have to pay at all and it is on a scale so the more you earn the more you pay back on your loan. </p>
<p>The money is normally taken out automatically from your pay like withholding. This means that you don&#8217;t ever see that portion of money. In my case I lose $200 per fortnight to my HECS/HELP debt. This means that per year I knock off roughly $5.2k from my debt with the Australian Government. Funky. </p>
<p>The trick comes in is that this amount isn&#8217;t paid onto my loan until after I&#8217;ve done my tax. So all the money I&#8217;ve paid thus far this year doesn&#8217;t get counted and interest is charged including anything I&#8217;ve studied up until May the same year. Since semester 1 starts in March and &#8220;census&#8221; date is in April (the date at which course fees are paid) and semester two starts in July (next financial year), you get interest calculated on both semesters (plus in my case a summer semester, semester 3) not including the amount you have already had &#8220;withheld&#8221; over the same period of time.</p>
<p>So when it comes down to it, it is better to opt not to have your employer withhold your HECS/HELP debt, save the money in a high interest account somewhere and then a few months into the new financial year pay it as a part of your tax debt. Of course the problem with that is that you pay tax on the interest you accrue from the bank account however you&#8217;re at least earning money and not losing any money in the process.</p>
<p>The question of course becomes, who earns the interest on the withheld money? I&#8217;ll leave that as an exercise to the reader.</p>
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		<title>Prepaid Mobile Phones in Australia</title>
		<link>http://pasamio.com/2009/06/18/prepaid-mobile-phones-in-australia/</link>
		<comments>http://pasamio.com/2009/06/18/prepaid-mobile-phones-in-australia/#comments</comments>
		<pubDate>Thu, 18 Jun 2009 12:57:28 +0000</pubDate>
		<dc:creator>pasamio</dc:creator>
				<category><![CDATA[australia]]></category>
		<category><![CDATA[technology]]></category>

		<guid isPermaLink="false">http://pasamio.com/?p=526</guid>
		<description><![CDATA[It strikes me as annoying that some how prepaid phone users get treated as second class citizens. They historically don&#8217;t have access to half of the features that are offered to those on plans just because you own your phone outright. In addition Australia has locking of phone devices to networks as well and then [...]]]></description>
			<content:encoded><![CDATA[<p>It strikes me as annoying that some how prepaid phone users get treated as second class citizens. They historically don&#8217;t have access to half of the features that are offered to those on plans just because you own your phone outright. In addition Australia has locking of phone devices to networks as well and then have the hide to charge you $30 whilst someone presses a few buttons for a minute and hands you your phone back. This situation has thankfully steadily improved over the years and with the introduction of Vodafone in Australia it seems things are slowly getting better but not quite there.<span id="more-526"></span></p>
<p>As a phone user I&#8217;d started as a Telstra &#8220;communic8&#8243; user for my first phone. This worked out well as at the time Telstra had this &#8216;feature&#8217; where you could link it to another phone that was on a plan (my dad&#8217;s) and it could give you a nominated amount of money a month ($10) and one months &#8216;access&#8217; for this token amount. On top of this you were permitted something like three calls per day for around 3 minutes to that same number for free. Rather handy that you didn&#8217;t need credit to call home. Other useful things Telstra had (and might still have) is that your access to the network and credit expiry accrued each time you recharged up to about two years. I know this because I managed to get just that amount of access accrued on my Telstra phone before I switched.</p>
<p>All in all I was happy with Telstra as they have arguably the best coverage in Australia for mobile phones. They aren&#8217;t the cheapest mind you but all in all I was happy since most of the premium crap that required a plan didn&#8217;t interest me and my phone really didn&#8217;t support those features (an ancient Motorolla, a Nokia &#8216;potato phone&#8217; 3315 and a Nokia 6310i that I think my nan has). It turns out with Joomla! I end up overseas periodically and the first time this happened (a trip to Thailand in 2005), it really hurt not having any phone connectivity.</p>
<p>So at this point I went to Telstra and asked them what their international roaming options where for prepaid. The answer was simple: upgrade to a plan. I happen to like being prepaid and interestingly for the fact that I&#8217;ve already given them the money (e.g. they&#8217;re already earning interest on it before I&#8217;ve used it in addition to being more expensive) I still don&#8217;t get service. I&#8217;m personally not the sort of person who likes borrowing money if I can avoid it, so that means anything credit related (e.g. credit card, mobile phone) gets avoided where possible. This turns out remarkably easy, prepaid telephone only gives you what you pay for and a VISA debit card gives you access to your own money. Interestingly, and perhaps this is why providers hate prepaid, it is possible to continue to &#8216;rollover&#8217; your credit from period to period by renewing even if it is the smallest amount. This means that you never lose what you pay for where as regular plans are a pay for it if you use it and pay more if you use too much (Optus was half decent where they had a &#8216;rollover&#8217; for a few months scheme, not sure if it still runs but it exemplifies the fact you by design pay for what you aren&#8217;t going to use as opposed to prepaid which is pay for what you use).</p>
<p>So I decided at that point to stop being a happy Telstra customer and switch. Vodafone offered on of the best deals with their cap plan (this is about a month before their major advertising promotion on it) and to be honest it was really attractive &#8211; however the cap plans didn&#8217;t have international roaming. So they had some nice phones and all was good cost wise for prepaid (which did have international roaming) however Vodafone&#8217;s coverage for Toowoomba is below substandard. Given that my mum lives a good 20 minutes drive out of town that would mean I probably wouldn&#8217;t get coverage there. Here is where Optus come in with second rate costing but a far more advanced phone network. Optus also offered international roaming on their prepaid and the rates were a bit more (roaming always is a rip off) however you have a cost to pay for these things. They offered good coverage over places I&#8217;m likely to go to so that was good. Optus being owned by Singtel also meant that Singapore was incredibly cheap, Asia was relatively cheap and everywhere else was expensive (relative to international roaming costs). It actually reminds me of when I came back from Malaysia that it was cheaper to roam on my prepaid Malaysian SIM card than to go back to Telstra (yes, it was cheaper for me to SMS from a phone roaming from Malaysia to Australian networks than it was for me on Australian to even the same carrier) &#8211; and this is back in 2004.</p>
<p>So I&#8217;ve been on Optus and travelled around the world roaming quite happily. It costs an arm and a leg however I&#8217;m happy with that and expect it. I thought about my last trip overseas which costed a fair amount of money, much more than I normally spend in a month (and this is over a week) and wonder where the wisdom in not giving me the ability to spend money is. I mean really, when I want to spend money with you make it easy! A while after I switched to Optus I got a new Nokia N80 (noticing a trend here) and I&#8217;ve had that for a while now and I&#8217;m quite happy with it, however as a slide phone the design annoys me no end. Last year I ended up getting an iPhone as well and instead of converting my existing phone across I decided to put it on its own SIM card and run it through the TurboCap. This means I have two phones to feed, one that rotates on a two month basis (the Nokia) and another that requires a refresh every month. Compared to being able to let my credit lay around for nearly two years unmolested by the carrier (amazingly Telstra is on top for once) having to renew every month or lose it sounds strikingly like a plan where you decide how much you pay each month instead of being fixed into a specific dollar amount by the carrier. But I digress yet again and now with iPhone OS 3.0 tethering for the iPhone (that I already had with my N80) is now available. Of course I need to get Optus to enable it on my account, but again we&#8217;re back to being provided with a service and well I&#8217;m on prepaid. Some how Optus manage to limit tethering to just plan providers and you have to pay a further $10 for the privilege of using your own data in a different way. So being on a prepaid phone I don&#8217;t have access to the service.</p>
<p>As this is my second phone I&#8217;m half tempted to switch to another carrier because I have that freedom. I keep my Nokia because a) I don&#8217;t care about it as much now (I originally bought it in Singapore in a rather rapid one hour transit &#8211; one end of the airport to the other with this shop in between and some local cash acquisition; got every where I needed to go) and b) since a I can happily take it overseas, leave my iPhone at home and not worry about losing it (which would hurt more losing my Nokia; if I lost my Nokia I&#8217;d be tempted to get an Android phone &#8211; or maybe a Palm Pre to replace my existing Zire 31 that still lives on for the last 5 years now).</p>
<p>It would just be nice to be treated like a real customer. One of my other prepaid gripes is that they don&#8217;t have bills that you can easily review to see how much it really costs you but such is life.</p>
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		<title>HECS/HELP in Australia: Who is thinking about it?</title>
		<link>http://pasamio.com/2008/11/09/hecshelp-in-australia-who-is-thinking-about-it/</link>
		<comments>http://pasamio.com/2008/11/09/hecshelp-in-australia-who-is-thinking-about-it/#comments</comments>
		<pubDate>Sat, 08 Nov 2008 16:37:29 +0000</pubDate>
		<dc:creator>pasamio</dc:creator>
				<category><![CDATA[australia]]></category>
		<category><![CDATA[university]]></category>

		<guid isPermaLink="false">http://pasamio.com/?p=72</guid>
		<description><![CDATA[The other day I visited a site that may not always be visited by many uni students, I went to the site of the Reserve Bank of Australia. The RBA is the institution in Australia that sets our cash interest rate which impacts on various items, notably the cash lending rate (e.g. the rate that [...]]]></description>
			<content:encoded><![CDATA[<p>The other day I visited a site that may not always be visited by many uni students, I went to the site of the Reserve Bank of Australia. The RBA is the institution in Australia that sets our cash interest rate which impacts on various items, notably the cash lending rate (e.g. the rate that banks charge you interest on their loans) which is typically a few percentage points higher than the policy interest rate. Its not quite the same and banks whilst always increasing the interest rate haven&#8217;t necessarily been reducing the interest rate as well. But todays gripe isn&#8217;t about the banks lack of morals when it comes to money &#8211; its about the other item that appears on the RBA&#8217;s home page: the inflation rate, or &#8220;CPI&#8221;.</p>
<p>For those playing at home who aren&#8217;t familiar with HECS/HELP, heres a quick primer on how it works. Once upon a time university education in Australia was free, surprising but true. This was a long time ago, about the same time as the present set of politicians were getting educated. And then it progressed to be that students wouldn&#8217;t get free education but they would be given a loan interest free that would get paid back to the government based on their tax return. This effectively meant that above a certain point you got taxed at a higher rate and that went towards paying your debt. Nifty, not ideal but not entirely horrible. The Howard Government in part of its many University related reforms decided that they would charge interest on this loan, using CPI to index it. When this was introduced it didn&#8217;t sound too bad. CPI was relatively low, 2% to 3%, and the cash interest rate was comparatively high, 6% to 7+%. So it didn&#8217;t seem to bad.</p>
<p>Fast forward to now and we&#8217;ve hit an economic crisis. Inflation is now 5% and the cash interest rate is at 5.25%. Keep in mind that banks are at present loaning at around the 8% mark up to 9%. It would in fact be interesting to see if the CPI retained its position and the interest lowered even further making CPI higher than the cash lending rate, but that much is pure speculation. However why does this matter?</p>
<p>Well whilst the Student Guild&#8217;s are bleating in pleasure that the Labor government is going to give them back their cash cow so that they can spend it on useless things again. Now I have nothing against the employees of said Unions/Guilds, my sister is in fact one and the people who work at my uni refect are also awesome, they just don&#8217;t offer me anything valuable. Take for example a bottle of coke, that is 20 cents cheaper out of the vending machine up the hall a little bit from the refect than it is to purchase from the refect. The vending machine itself is 10 cents more expensive than driving down the road a little bit to the bakery and considerably more expensive than buying it from the local supermarket. Part of this I can understand, but when I was a member of the union forcibly and had to pay $40 per subject (comparatively not too bad) the fact that I then have to pay for food that isn&#8217;t competitive is a bit of a blow. Keeping in mind that at my university the Guild has manage to remove any external provider and is the sole provider of sustenance on campus controlling the two coffee shops (one under the library and another near the book shop), having a club facility (coffee, alcohol at night, food during the day) and the main refect &#8211; after all of this it is still more expensive. Vending machines are a bit more complicated but seem to strangely compete with the Guild which leads me to wonder who exactly controls them. But I digress, whilst they bleat about wanting money and how they won&#8217;t squander it (some fees were as high as $600), the Government is also talking about the ability to defer this extra fee to HECS/HELP as well and nobody seems to care that the interest rate on said loan is in fact increasing.</p>
<p>It proves perhaps most to me about how pointless and useless the union system is that they make so much noise about getting money from the universities and not about ensuring the good of their potential members. My Guild didn&#8217;t act in my behalf and provided no tangible service which meant that I had no issues leaving them. Turned out that the university ended up propping them up anyway, so they didn&#8217;t lose much but at the end of the day they were next to useless. What I found most interesting was that when voluntary student unionism was being introduced they complained that the sports fields would be overgrown and unrulely. Funnily enough I felt that the university was an academic location and not a sporting facility so if the grass grew a little too long on a sports field then so be it. And in this single moment it encapsulates all that was wrong about the Guild.</p>
<p>I keep going off track here, but my problem is of course the fact that the Student Unions don&#8217;t do a lot to support their students and expect so much of them. I&#8217;ve heard nothing about the fact that CPI has doubled and thus the loan&#8217;s interest rate has also increased.</p>
<p>Perhaps nobody has realised what is happening yet because they haven&#8217;t looked at their tax yet or seen the increase in their interest. Perhaps next year they will see it and then there will be some noise, though I doubt. It&#8217;d be nice to at least go back to the last iteration where the government sponsored the education of its people and they had to slowly pay it back with no interest incurred. Perhaps I&#8217;m complaining about nothing, but wouldn&#8217;t you be worried if the loan you signed up for had doubled its rate and the prospect of getting a job was drastically reduced?</p>
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