This was posted over 22 years ago; my opinions, thoughts, attitude, and writing style may have evolved since then, and this post might have been different if it were to be posted today.
i think umbc transferred my account to state collections. LAME. 😛
still waiting to see when this loan is going to be set up – right now it says “incomplete” on the website even though i sent in the one that is automagically filled out. maybe i’ll try to call later this week when i get a chance. 😛