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Student Loan Forgiveness

July 14, 2015By 0 Comments

Student Loans

In 2007, Congress created the Public Service Loan Forgiveness Program (student loan forgiveness), to encourage individuals to  work full-time in public service jobs. Under this program, former (or current) students may qualify for forgiveness of the remaining balance due on their eligible federal student loans. You need to have made  at least 120 payments on the  loan under repayment plans while employed full time by certain public service employers.


Your loan is eligible for forgiveness on your student loan if you received the loan under the  William D. Ford Federal Direct Loan Program.  If you received your loan under the Federal Family Education Loan Program, the Perkins Loan Program, or any other student loan program,  then you’re not eligible for  the Public Loan Forgiveness Program.  Sorry.


What kinds of employment qualify?

Qualifying employment is any employment with a federal, state, or local government agency,  or a non-profit organization that has been designated as tax-exempt by the Internal Revenue Service under Section 501(c)(3) of the Internal Revenue Code. The nature of employment within the organization doesn’t matter for the Public Loan Forgiveness Program purposes.

Additionally, the type of services that these public service organizations provide doesn’t matter for PSLF purposes.  However, when determining full-time public service employment at a not-for-profit organization you may not include time spent participating in religious instruction, worship services, or any form of proselytizing.  The organization must not be a labor union or a partisan political organization.


What must you do to have any remaining balances on Direct Loans forgiven under the PSLF Program?

  • You must make 120 on-time, full, scheduled, monthly payments on your Direct Loans. Only payments made after October 1, 2007 qualify.
  • You must make those payments under a qualifying repayment plan.
  • When you make each of those payments, you must be working full-time at a qualifying public service organization.


Because it will take at least 10 years for you to make the 120 qualifying payments that they require for you to receive PSLF (the student loan forgiveness program), you’ll  need to submit a form and follow a process so you can track your periods of qualifying employment and your qualifying payments.  Here is the form that you have to submit for student loan forgiveness.


It might be a good idea to have a professional check out your student loan before signing any documents.  We think that we have to sign any document set before us and that isn’t true.  You should ask to take it home and read it over first. And then have an attorney or some other professional check out your loan papers.  It will be money well spent.


I know it sounds strange – here you are in the school’s loan office – begging them for money to continue your education. The last thing you can think of is to argue with them about the source of your loan.  But, you should make a plan before you get a school loan (or any type of loan – really). It will make a huge difference once you’re out of school and then required to pay it back. economy/student-loans/

And remember – you can NEVER get away from paying off your student loans! Even if you file for bankruptcy – you still have to pay off your student loan.  Every time you think you might get a tax refund from the government – oh NO – they debit that from your loan balance.  It’s a heavy burden to carry around until it’s paid off.  So, your best bet is to make a good deal on a student loan BEFORE you sign the paperwork.


If possible, get a loan under PLSF and make the best student loan deal you can before you sign any documents. When school is over, obtain employment in the public sector – then after 120 monthly payments – you could be eligible for student loan forgiveness.


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April 18, 2014By 0 Comments

Odessa Law Practice Retain Gerald Fugit at his Odessa law practice if you need to settle a dispute with an employer or an employee.  If you have a serious automobile accident, he will guide you through the process for a satisfactory settlement. Do you have a contract that needs to be drawn up? He’ll take care of it.

Are you in  need of a divorce or need to end a  domestic partnership ?  Gerald Fugit has years of experience.

Odessa tx, DSCN0504

Odessa, TX

His advice will help solve your problems. He has over 60 years of experience. His Odessa law practice staff is top of the line too!

Mr. Fugit can handle all  “General Law Practice” cases. General practice attorneys can set up a power of attorney, develop wills, provide legal advice, make appeals, and achieve settlements. He can take on a variety of cases, from personal injury to medical malpractice to insurance.  If necessary, he can represent you in a court of law.

He is not a “process lawyer” –  who would elevate legal procedures and process over YOU – the Client. His goal is to quickly and cost effectively solve your problems or settle the deal. Although he has a law practice right here in Odessa, Texas, he has advocated for clients throughout the state of Texas and will be happy to travel to represent you.

It can be difficult to define Wisdom, but people generally recognize it when they encounter it. It involves an integration of knowledge, experience, and deep understanding that incorporates tolerance for the uncertainties of life as well as its ups and downs. There’s an awareness of how things play out over time, and it confers a sense of balance.

Wise people generally share an optimism that life’s problems can be solved and they experience a certain amount of calm when they face difficult decisions. Intelligence itself isn’t enough. A capable law practice attorney needs an ability to see the big picture and achieve a sense of proportion and fairness.

He has the experience and  the wisdom!!  Gerald Fugit will expedite the process and you will be satisfied.



GERALD FUGIT @ 432-301-9252
Odessa Law Practice

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Sugar Baby Students

June 9, 2012By 0 Comments

Sugar Baby Students

Is it legal to be a “Sugar Baby” student? Are websites such as legal? These websites offer access to rich older men. Today and on 09/16/2011, Dr. Phil investigates the latest trend in online dating: sugar babies hooking up with sugar daddies.

College girls and recent graduates who are struggling with mounting debt and a weak job market are turning to websites, such as, that introduce them to wealthy men who, in exchange for companionship — and maybe sex — help them pay their bills. Is this the Internet version of the world’s oldest profession, or just a niche dating site?

Clearly, prostitution is against the law. I don’t think this is against the law because it’s between two consenting adults and they aren’t exchanging money. Well – the men aren’t directly handing over money in exchange for sex. They are merely ‘contributing’ to the financial welfare of a Very Pretty Young Lady.

The girls make a point that they would have never met the men except for the existence of the website(s). And visa versa. The men are lonely. It’s a normal psychological and physical need to be with other people. The girls may be lonely as well. We don’t know that they’re not.

So, although this might be tested in court of law and  a federal prosecutor is probably in discovery right now – it’s still a dangerous practice.  The website owner, Brandon, only checks out how wealthy the men are and if they can afford these women.  They could be mentally ill or have a criminal background. Brandon stated that he’ll not assume liability if one of the women gets raped.

On the show, Dr. Phil gives Brandon a final chance to speak:

“Not all sugar babies are gold diggers, but they are goal diggers. G-O-A-L. They all have goals,” he says, explaining that most of the women on his site have a college education or are working toward one, trying to become financially-independent adults like Sunny. He claims that 180,000 college girls from top universities are a part of this site.”

Dr. Phil tells the women that they have plenty to offer men. “From a guy’s point of view, I can tell you what guys say among themselves about this kind of situation when you’re not there. This is not in your best interest. I think that in your heart of hearts, you can’t possibly feel good that you’re putting a price on yourself, that somebody wouldn’t want to be with you just to be with you. My point is, if you do this, you never know. All the time you’re doing this, you’re not forming a meaningful relationship that is based on mutual care, concern, love, regard, commitment and future planning.”

Although there’s tons if jibber jabber about the legality and morality of this practice – not too many people seem concerned with how much disease is being exchanged here.  Quite a few of the men who subscribe to these websites are married.  Married – meaning they’re having sex with their wives, their ‘Sugar Babies’ and any number of unsuspecting participants.  Sheesh.

It’s frightening to realize how dangerous this new trend  of sugar baby students – that exchange ‘whatever’ with rich (and maybe married!) men – and – where this is leading to.  Is the world evolving into a much badder place?

Click here to view the entire Dr. Phil Program.

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Breakfast in Texas

June 5, 2012By 2 Comments

Normally we’re serious an’ all on this website. Couldn’t resist putting this on the blog. This is an amazing video that shows a neat-o couple that feeds the deer breakfast in Texas. It’s almost too amazing to believe how these deer just mosey up to the table and start slurping up their gruel (a mixture of corn and “Record Rack Professional Deer Feed”). It has a proprietary nutrient formulation and includes protein, lysine, fat and vitamins.

This is from the Pryce’s in Kingsland, Texas. They have a website that’s displayed prominently on the video – so I thought that I would plug them as well. You can go here or type it in yourself. Your choice. Evidently,  Prince Charles thinks that Alison Pryce is swell too. There’s a pic on their blog. He thanks her for her work with Welsh music in California.

I did enjoy how friendly these deer were. There were many cautionary tales when this video was posted. They ranged from:

“What a really fast way to get a prion disease! Prion diseases are usually rapidly progressive and always fatal. Or a brucella infection. You can get TB or lyme disease from deer. Did you see the woman petting the deer and then picking up her toast? Isn’t it DEER?”


“This is a neat thing to watch, however, it is also very sad to me. I counted 17 deer give or take. That is 17 deer that are going to associate humans with food, and 17 deer who are going to associate human deer hunters as a food source. The point is, it is a wonderful thing to observe wild life in the wild, however when you begin to interfere, as these people have, the outcome is never good. Judging from the other posts, it is not even necessary for me to mention the threat the deer pose to the people. Please ENJOY wild life, but do so from a distance.”


“That’s very cute! but the problem is, these animals are wild. They need to get their own food. If you keep feeding them, they will teach there kids how to beg instead of get food on their own. then they will starve when your not there to feed them.”

Although I think this is heartwarming video, I would never feed wild animals for all of the reasons stated above.  No matter what you think, be sure and watch this video to see the animals eat breakfast in Texas.

Let us know what you think!

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Does Your Company Meet New EEOC Guidelines?

May 24, 2012By 0 Comments

How can your company meet the new EEOC guidelines?  Susan Prince – a Legal Editor for, explains the newly updated Enforcement Guidance on arrest and conviction records from the Equal Employment Opportunity Commission (EEOC). They address criminal background checks–specifically, the use of arrest and conviction records to make employment decisions.  Susan Prince explains the Guidance, along with 6 best practices outlined by the EEOC for employers who are considering criminal record information when making employment decisions.

The EEOC’s Updated Guidance:

1. Disparate Treatment (Intentional) Discrimination
2. Disparate Impact (Unintentional) Discrimination
3. The EEOC’s Best Practices Recommendations

What this means for your company:

>No blanket disqualificaton from every job for any conviction.

>Employer should screen for specific and job related criminal records within a defined period of time.
(1) If there would be possible harm from the offense. For example – if the theft caused property loss.
(2) Tasks performed to do the job and under what circumstance? For example, with or without direct supervision.
(3) The duration of exclusion sufficiently tailored based on the facts and circumstances.

>Individualized assessment – unless there is a “demonstrably tight nexus” beteen criminal conduct and the job in question.

The EEOC left an ambiguity between whether the employer MUST do an “Individualized assessment” or whether they do NOT have to do one. It’s best to err on the side of “Individualized Assessment”.

>You need to do a more balanced assessment. How does your Title VII risk compare to others? Be sure to go to EEOC guidelines to ensure that you reduce the risk from litigation in regards to Title VII. Figure out what are the different considerations. Are you screening rules nuanced enough that you can argue that they’ll meet this targeted screen?

There are intelligent ways to look at the potential employee’s information in a different sequence to wean out potential criminal background issues. Make sure that you have good written program materials. Have good record-keeping methods to prove that you don’t have an “across the board ban” on hiring all employees with criminal backgrounds.

Make sure that your program is fair and you balance compliance with Title VII and respect the rights of those who are protected against your other business interests.

Background check programs implicate a number of companies that restrict hiring because of credit. The is some vagueness is how the law is interpreted. Be sure to hire a reputable background check company that adheres to the new EEOC rules and guidelines for arrest and conviction records. Otherwise, you might leave your company open to a discrimination lawsuit.

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When Are Autopsies Required By Law?

May 8, 2012By 1 Comment

By Edward Tan, JD

300.ab.houston.021212  I saw this good opinion on and thought it would be useful because I’ve always wondered exactly when an autopsy would be required by law.  Of course, we all know that celebrities like Whitney Houston needed to have an autopsy done.  We had to remove all doubt of foul play. *Miss Houston had a beautiful voice and will be sadly missed.

The following is the blog from Edward Tan about autopsies on

“People usually have a lot of questions when a loved one dies, especially around the cause of death. Finding out involves a medical examination by a coroner, but when is an autopsy required?

The answer isn’t always a clear one. When a person dies, an autopsy can be ordered depending on the situation — such as in the case of famed painter Thomas Kinkade, who recently died.

You might be surprised to learn when autopsies are mandated by the law.

The situations that require an autopsy can vary from state to state. Typically though, a medical examiner or coroner can require an autopsy in the following situations.

1) Suspicion of Foul Play

Whenever it appears a person died from something other than natural causes, like a murder, an autopsy can be ordered. The foul play doesn’t have to be obvious either. A police investigator can have one done against a family’s wishes if foul play is suspected.

2) Infectious or Contagious Disease

If it’s suspected that a person died as a result of a disease, an autopsy can be ordered for public health purposes. The reason is because stopping the spread of diseases is important to the government.

3) Infant Death

Some states, such as California, allow doctors to request an autopsy when an infant dies.

4) Inmate Death

Under federal law, CEOs of prisons may order an autopsy of an inmate if they died from murder, suicide, illness, accident or any unexplained death. But the autopsy must be done according to the laws of the state where the prison is located.

5) Family Request

And of course, families can always request an autopsy for their late loved one, as well.”

Now you know when autopsies are required by law.  Check it.

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Divorce After The Age of 50

April 26, 2012By 0 Comments

divorce after the age of 50

I recently listened to a radio show called “Talk of the Nation”.  Susan Brown and Janice Green co-authored a book. They talked about divorce after the ago of 50. One in every four people over the age of 50 gets divorced. They call this trend the “Gray Divorce Revolution”. The divorce rate among people over 50 has doubled in the last 20 years.

Older adults today are perhaps less willing to remain in what is termed empty-shell marriages. Empty-shell marriages are somewhat satisfying – but the couple no longer has the same goals and interests that they used to have. So they really feel no need to stay together.

Their religious beliefs may differ considerably. What one of the partners might have put up with for 30 years no longer has the same value. People change and if the couple doesn’t shift together, they lose the intimacy they once had. The person that we were compatible with in our 20’s has changed.

I think the days of staying with one mate for 60 or more years may be over because – SURPRISE! – We’re living longer. As women become more financially independent, there’s not much reason now to stay in an unhappy marriage.

The idea is that a marriage is much less about an economic exchange or a financial bargain than it was in the past. Men and women don’t really need to be married like they did 30 and 40 years ago.

Recommendation Before Divorce:

However, before filing for a divorce – make sure that your financial affairs are in order. I can attest to the fact that divorce over the age of fifty can be devastating to your pocketbook. Especially if the normal “income-earning years” were spent raising children.

I categorically recommend that young women put their children in daycare and go off to work. I know that sounds mean and it’s definitely not in the best interests of the child.  But. if you don’t spend your child-bearing years earning a living, you may find out that you won’t be able to financially support yourself in later years. Let me tell that your grown children will NOT want to support you.

I think you need a good adviser to guide you through the emotional roller coaster that you go through when you get a divorce after the age of 50. You need someone who can look at what’s happening in your life and give you direction. It is extremely difficult to be unemotional during and after a divorce.

The main thing to focus on is your income. One of my money rules — is that your job is your most important investment. Your earning power is key. Focus on that. Focus on getting yourself out in the work place and earning some money. It’s good for you not just financially, but it will give you some control back both during and after a divorce.

Feel free to comment on divorce after the age of 50.  😉
GERALD FUGIT @ 432-301-9252

Need A Divorce?

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