(8:43:57 PM) fragrant: Hi
(8:44:52 PM) Gabs: hi
(8:44:55 PM) Gabs: how are you?
(8:45:04 PM) fragrant: Fine, thank you.
(8:45:22 PM) fragrant: What are you doing now?
(8:45:32 PM) fragrant: It's mornin
(8:46:10 PM) Gabs: I'm watching tv now
(8:46:14 PM) Gabs: and chatting
(8:46:32 PM) fragrant: Is your husband there as you said you live together.
(8:46:55 PM) Gabs: Yes he is, but we're not legally married yet
(8:47:14 PM) fragrant: Does your husband see everything you chat?
(8:47:29 PM) Gabs: He's my fiance, not husband
(8:47:42 PM) Gabs: and no he doesn't care what I chat
(8:48:38 PM) fragrant: Some say, USA is a land of asshole, how much true it is?
(8:49:03 PM) Gabs: Only 50% true ;)
(8:49:15 PM) fragrant: How 50% true?
(8:49:27 PM) Gabs: I'm kidding - there are assholes everywhere in the world, same percentage here as everywhere
(8:49:54 PM) fragrant: Is it possible to get scholarship in USA private universities?
(8:50:09 PM) Gabs: possibly
(8:50:12 PM) Gabs: I've never tried
(8:50:17 PM) fragrant: Which university did you take your bachelor and masters degree from?
(8:50:29 PM) fragrant: I meant financial support.
(8:51:26 PM) Gabs: I went to University of Illinois at Chicago for my bachelors, Colorado State University for my masters.
(8:51:46 PM) fragrant: Those all are public university.
(8:52:03 PM) Gabs: My family was poor so I had state grants to help me pay for most of my bachelor, and 3 jobs + a student loan to pay for the rest
(8:52:11 PM) Gabs: For my master's, I was working full time
(8:52:28 PM) fragrant: I understand.
(8:52:39 PM) fragrant: How did you pay the loans?
(8:52:48 PM) fragrant: How easy/hard to pay loans?
(8:52:58 PM) fragrant: How much loans?
(8:53:03 PM) Gabs: I had a monthly payment plan, spread out over 10 years
(8:53:09 PM) Gabs: My loans were only $11,500
(8:53:36 PM) fragrant: How much did you pay per month?
(8:53:47 PM) fragrant: Total = $11500 ?
(8:53:49 PM) Gabs: honestly I don't remember
(8:54:01 PM) Gabs: well $11,500 + 8% interest
(8:54:12 PM) Gabs: all loans include interest rates
(8:54:16 PM) fragrant: 11500/12 = 958$
(8:54:23 PM) fragrant: 11500/12 = 958$ per month
(8:54:29 PM) Gabs: no
(8:54:36 PM) Gabs: 12 months x 10 years
(8:54:40 PM) Gabs: 120 months
(8:54:49 PM) Gabs: and don't forget the interest rate
(8:55:08 PM) fragrant: So you had to pay $958 for 120 months ?
(8:55:19 PM) Gabs: no
(8:55:26 PM) Gabs: $958/month is wrong
(8:55:45 PM) fragrant: I skiped the interest
(8:55:50 PM) Gabs: $11,500 x 8% interest / 120 months
(8:56:17 PM) fragrant: 11500/120 = 95$
(8:56:21 PM) fragrant: 11500/120 = 95$ per month
(8:56:25 PM) Gabs: plus interest
(8:56:30 PM) fragrant: Yes
(8:56:45 PM) fragrant: Which bank did you get the loan? Is there any special bank?
(8:56:53 PM) fragrant: specialized bank?
(8:56:56 PM) Gabs: US Department of Education
(8:57:03 PM) Gabs: Stafford Loan from the government
(8:57:04 PM) fragrant: Is it a bank?
(8:57:06 PM) Gabs: no
(8:57:10 PM) Gabs: it's government
(8:57:15 PM) Gabs: US Citizens only
(8:57:42 PM) Gabs: and I hear that Stafford Loans are difficult to recieve now
(8:57:42 PM) fragrant: Government gives loan only for us cityzen for education?
(8:58:02 PM) Gabs: Stafford loans are only for US Citizens, yes
(8:58:14 PM) fragrant: What about govt loans?
(8:58:30 PM) Gabs: I don't know
(8:58:32 PM) fragrant: What about the students coming from outside of USA?
(8:58:36 PM) Gabs: I don't know
(8:59:24 PM) Gabs: I honestly know nothing about anything regarding people immigrating to the US
(8:59:34 PM) fragrant: Did you get any finalcial aid from university of chicago or colorado state uni?
(8:59:50 PM) Gabs: No just government
(8:59:59 PM) Gabs: Both universities were publich universities
(9:00:04 PM) Gabs: public*
(9:00:26 PM) fragrant: What type of those 3 jobs? How did you get jobs?
(9:00:39 PM) fragrant: "I had state grants to help me pay for most of my bachelor, and 3 jobs + a student loan to pay for the rest"
(9:00:49 PM) Gabs: I did babysitting, I worked at an on-campus office
(9:01:12 PM) fragrant: How did you get 3 jobs during bachelor degree?
(9:01:13 PM) Gabs: I had 2 regular babysitting jobs each week, plus the office job
(9:01:24 PM) Gabs: I had been babysitting since I was 14
(9:01:28 PM) fragrant: What type of officejob?
(9:01:35 PM) fragrant: What's babysitting?
(9:01:45 PM) Gabs: the office job was on the university campus, it was  a student job
(9:02:01 PM) Gabs: babysitting = watching people's children while they go out
(9:02:11 PM) fragrant: What was the task for student job?
(9:02:50 PM) Gabs: I worked in the records office
(9:02:57 PM) Gabs: I did filing, answering phones, etc.
(9:03:08 PM) fragrant: Ok
(9:03:12 PM) fragrant: Thank you.
(9:03:41 PM) fragrant: I have a goal to go to usa public university for phd getting financial aid
(9:03:51 PM) fragrant: How good or bad will it be?
(9:03:56 PM) Gabs: I honestly don't know
(9:04:03 PM) fragrant: sigh*
(9:04:36 PM) fragrant: You can give your opinion, any opinion
(9:04:52 PM) Gabs: I have no opinion
(9:05:01 PM) Gabs: I honestly don't know
(9:05:04 PM) fragrant: You are always against phd, right?
(9:05:08 PM) Gabs: no
(9:05:20 PM) Gabs: PhD is wrong for my career, I don't know what it is for you.
(9:05:27 PM) Gabs: I just don't know what options you have for financial aid
(9:05:34 PM) Gabs: and I'm not about to go research it for you either
(9:05:43 PM) fragrant: What about this? ' I have a goal to go to usa public university for masters degree getting financial aid'
(9:05:55 PM) Gabs: I don't know!
(9:06:12 PM) Gabs: why do you think I would have this information?
(9:06:31 PM) fragrant: I have a goal to go to usa public university for masters degree getting financial aid , How good or bad will it be?
(9:06:44 PM) fragrant: I have a goal to go to usa public university for masters degree getting financial aid , How good or bad will it be for me?
(9:06:54 PM) Gabs: I don't know
(9:06:56 PM) fragrant: What do you think?
(9:07:00 PM) Gabs: will you please stop asking?
(9:07:08 PM) Gabs: I haven
(9:07:09 PM) fragrant: What do you know? :)
(9:07:18 PM) Gabs: I have not even been in a university for over 11 years
(9:07:29 PM) fragrant: Ok
(9:07:48 PM) fragrant: You don't know anything, you have no opinion, :)
(9:07:54 PM) fragrant: Amazing
(9:08:02 PM) Gabs: I know nothing about this topic
(9:08:16 PM) fragrant: Some people may not know, but they can get a opinion.
(9:08:24 PM) Gabs: I was a US citizen, I don't know how it works for people outside the US
(9:08:33 PM) fragrant: Ok
(9:08:38 PM) Gabs: I do not form uninformed opinions
(9:08:49 PM) fragrant: That's good.
(9:11:56 PM) Gabs: So is that all you wanted to chat about?
(9:12:17 PM) fragrant: With you?
(9:12:36 PM) Gabs: in general
(9:12:54 PM) fragrant: It's about sharing with people.
(9:13:11 PM) fragrant: Also knowing their language
(9:14:10 PM) Gabs: you really need to stop PMing people without permission
(9:14:34 PM) Gabs: People on IRC find it rude. Vragnaroda certainly doesn't like it.
(9:14:55 PM) Gabs: Why can't you talk about this in the chatroom with everyone at the same time?
(9:14:59 PM) Gabs: It would save you a lot of time
(9:16:22 PM) fragrant: That can be personal question, that's why i didn't talk that in channel
(9:16:29 PM) fragrant: And some people lie.
(9:16:45 PM) fragrant: Don't disclose
(9:16:51 PM) fragrant: Don't disclose  my chatting
(9:16:56 PM) fragrant: Don't disclose  my chatting  to others
(9:17:02 PM) Gabs: too late and tough shit
(9:17:08 PM) Gabs: I don't keep secrets
(9:17:16 PM) fragrant: That's bad
(9:17:34 PM) fragrant: You can change/divert the answer to lightstrike
(9:18:02 PM) Gabs: I don't want to
(9:18:12 PM) Gabs: you're being rude and bothering people