Pregnant Women: How To Deal With Anxiety And Insomnia

By James S. Pendergraft

The wait is often a source of anxiety… how not to have peaks of anxiety when we must wait for 9 months!

So even during a normal pregnancy as it is, pregnant women will certainly have at one time or another, anxiety, fear will suddenly invade.

Fears that may be linked to his own health but is more often the case with that of the unborn child… “will it be normal”?, “Pregnancy going up to term” … the questions are multiple and the reactions of individual women vary widely depending on personal experience, sensitivity, but also the ability to not generalize a sad event occurred to Madame X and recounted in detail the day by the so-called best friend …

Weakened during this period of pregnancy, the mother is often very influenced by what she reads, what it means, and any symptoms or any difference compared to “normal” reference announced by the gynecologist can be source of anxiety.

The anxieties and fears that disrupt the sleep of the pregnant woman to be the real source of recurrent insomnia.

[youtube]http://www.youtube.com/watch?v=yjhFqa667lU[/youtube]

Why insomnia is often the lot of the last trimester of pregnancy: the birth approaching, questions and fears come and wake up the mother in the middle of the night with great difficulty to find sleep.

Insomnia that are aggravated by a comfortable position increasingly difficult to find in late pregnancy and various other minor ailments such as cramps, back pain …

What to do about insomnia?

In most cases, no treatment is necessary.

If you have any anxieties, fears, the best remedies is to know your gynecologist or midwife who can give answers to your questions and calm about your health and your future baby. Take advantage of your meetings to prepare for childbirth and share your concerns to the midwife.

Finally, if you know someone has a bad way to tell you all the misfortunes that she (or he?) Heard in this world about childbirth, pregnancy … try to take your distance and do not destabilize. Each case is individual and unless the person in question is a health professional, better not listen!

If you can not find sleep in the middle of the night, get up a drink of water or milk. Walk a little and go back to bed. Do not stay too long to turn and return to bed, you may do more mounting anxiety.

A healthy lifestyle can also reduce sleep by following some tips:

Take a light meal but not enough to be awakened by hunger avoid taking stimulants such as coffee, tea. Opt instead for a glass of warm milk sleep in a room calm and avoid overheated places you relax while listening to music, or immerse yourself in reading take a bubble bath, not too hot, before going to bed

If despite your best efforts, the difficulties and anxieties persist, talk to your doctor. Alternative drugs may actually be adopted.

Attention, you must not practice self: ask your gynecologist who will prescribe any treatment to help you find the sleep and peace.

About the Author:

Florida Abortions Clinic.

Dr. James S. Pendergraft opened the Orlando Women’s Center in March 1996 to provide a full range of health care for women, including

Medical Abortions

, physical examinations, family planning, counseling, laboratory services. Orlando Women’s Center.

Second, And Late Term Abortions Clinic.

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Food with cancer-causing dye recalled in Britain

Saturday, April 30, 2005

The British Food Standards Agency (FSA) has announced a recall of foods containing banned dyes which increase the risk of cancer. The food products were sold at the Tesco, Waitrose, and Somerfield supermarkets.

A Bristol company called “Barts Spices” found the illegal Para Red substance in their Barts Ground Paprika, which was sold in 48g and 46g jars with a “Co-op” label. The batch codes on the affected products are 5032 and 5089 (expiration Dec 2007), and 5075 (expiration February 2007).

Tesco also found that their 130g package of BBQ rice cakes (expiration November and December 2005) contained both Para Red and Sudan I.

“It would be very prudent to assume that it could be a genotoxic carcinogen,” FSA scientific advisers told reporters.

“As a company committed to supplying only the very finest quality food ingredients, we took the immediate decision to withdraw our ground paprika spice from all outlets selling the product and advertised a product recall in the national press,” a Barts Spices spokesman said in a statement.

Sudan I is only authorized for industrial use to colorize petroleum products, such as shoe polish. Para Red and Sudan I are banned under the British Colours in Food Regulations of 1995.

Britain last went through a major food recall in February, when Worcester Sauce was found to contain chili powder dyed with Sudan 1.

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Singer Britney Spears faces hit and run charges

Saturday, September 22, 2007

File:Britney-Spears082.jpg
Britney Spears performing in Los Angeles, CA in 2004. Image: BUDSMR.

The Los Angeles City Attorney’s Office said yesterday that pop music super-star Britney Spears was facing charges for a hit and run offence and driving without a valid drivers’ license.

Charges were filed following an accident in which police allege Spears smashed her car into another vehicle in a parking area in August of 2007.

She could face a maximum of six months in jail and US$2,000 in fines if convicted.

A group of paparazzi recorded a video Britney steering her car into another vehicle on August 6 as she tried to pull into a parking spot in a Studio City lot.

Kim Robard-Rifkin was the owner of the other car and she filed a police report three days after the accident. The 59-year-old nurse found out that it was Spears who ran into her car after watching a video on a celebrity website.

Robard-Rifkin said, “I simply want my car fixed, the same as I would fix somebody’s car if I had done that.”

Spears will be arraigned on October 10.

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Saturn moon Enceladus may have salty ocean

Thursday, June 23, 2011

This mosaic was created from two high-resolution images that were captured by the narrow-angle camera when NASA’s Cassini spacecraft flew past Enceladus and through the jets on Nov. 21, 2009. Image: NASA/JPL/SSI.

NASA’s Cassini–Huygens spacecraft has discovered evidence for a large-scale saltwater reservoir beneath the icy crust of Saturn’s moon Enceladus. The data came from the spacecraft’s direct analysis of salt-rich ice grains close to the jets ejected from the moon. The study has been published in this week’s edition of the journal Nature.

Data from Cassini’s cosmic dust analyzer show the grains expelled from fissures, known as tiger stripes, are relatively small and usually low in salt far away from the moon. Closer to the moon’s surface, Cassini found that relatively large grains rich with sodium and potassium dominate the plumes. The salt-rich particles have an “ocean-like” composition and indicate that most, if not all, of the expelled ice and water vapor comes from the evaporation of liquid salt-water. When water freezes, the salt is squeezed out, leaving pure water ice behind.

Cassini’s ultraviolet imaging spectrograph also recently obtained complementary results that support the presence of a subsurface ocean. A team of Cassini researchers led by Candice Hansen of the Planetary Science Institute in Tucson, Arizona, measured gas shooting out of distinct jets originating in the moon’s south polar region at five to eight times the speed of sound, several times faster than previously measured. These observations of distinct jets, from a 2010 flyby, are consistent with results showing a difference in composition of ice grains close to the moon’s surface and those that made it out to the E ring, the outermost ring that gets its material primarily from Enceladean jets. If the plumes emanated from ice, they should have very little salt in them.

“There currently is no plausible way to produce a steady outflow of salt-rich grains from solid ice across all the tiger stripes other than salt water under Enceladus’s icy surface,” said Frank Postberg, a Cassini team scientist at the University of Heidelberg in Germany.

The data suggests a layer of water between the moon’s rocky core and its icy mantle, possibly as deep as about 50 miles (80 kilometers) beneath the surface. As this water washes against the rocks, it dissolves salt compounds and rises through fractures in the overlying ice to form reserves nearer the surface. If the outermost layer cracks open, the decrease in pressure from these reserves to space causes a plume to shoot out. Roughly 400 pounds (200 kilograms) of water vapor is lost every second in the plumes, with smaller amounts being lost as ice grains. The team calculates the water reserves must have large evaporating surfaces, or they would freeze easily and stop the plumes.

“We imagine that between the ice and the ice core there is an ocean of depth and this is somehow connected to the surface reservoir,” added Postberg.

The Cassini mission discovered Enceladus’ water-vapor and ice jets in 2005. In 2009, scientists working with the cosmic dust analyzer examined some sodium salts found in ice grains of Saturn’s E ring but the link to subsurface salt water was not definitive. The new paper analyzes three Enceladus flybys in 2008 and 2009 with the same instrument, focusing on the composition of freshly ejected plume grains. In 2008, Cassini discovered a high “density of volatile gases, water vapor, carbon dioxide and carbon monoxide, as well as organic materials, some 20 times denser than expected” in geysers erupting from the moon. The icy particles hit the detector target at speeds between 15,000 and 39,000 MPH (23,000 and 63,000 KPH), vaporizing instantly. Electrical fields inside the cosmic dust analyzer separated the various constituents of the impact cloud.

“Enceladus has got warmth, water and organic chemicals, some of the essential building blocks needed for life,” said Dennis Matson in 2008, Cassini project scientist at NASA’s Jet Propulsion Laboratory in Pasadena, California.

“This finding is a crucial new piece of evidence showing that environmental conditions favorable to the emergence of life can be sustained on icy bodies orbiting gas giant planets,” said Nicolas Altobelli, the European Space Agency’s project scientist for Cassini.

“If there is water in such an unexpected place, it leaves possibility for the rest of the universe,” said Postberg.

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Never Mind The ‘Key To The Door’ Here’s Our Key To A Successful 21st Birthday

By John Smith

Though turning 21 holds little significance in terms of legal rights these days; it is an age that has long been respected as the transition from ‘youth’ to adulthood. In several parts of the world, this milestone age is celebrated with the gift of a key and in a more innocent time, this would have been the age when young men and women were given their own key to the front door as a symbol of respect and responsibility.

Of course these days it might be bordering on abuse to leave your twenty year old locked out and sitting on the doorstep but you get the idea. These days, we like to think of it is the last significant birthday before the big ’30’, and if that means having to wait another nine years, then it makes sense that the 21st should be a birthday to remember!

The Venue

Choosing the right venue for a 21st birthday may well be the most difficult part to organise, unless of course you’re Prince William and you can get a family discount on Windsor Castle. The venue of a great party will always include room to eat, room to dance and plenty of room to stack up all those wonderful 21st birthday gifts you can expect to receive. It doesn’t matter if it’s your own house or your own private Island, getting the right look with a few decorations is vital. If you want to impress with someone’s 21st birthday gifts then why not make the party boy or girl the focus of the decorations too with a ‘Lichenstein Style Pop Art Print’?

[youtube]http://www.youtube.com/watch?v=S5623N8kTj4[/youtube]

The Guests

Unless there are a few major celebrities at the party then it’s unlikely that the glossy magazines will be making any offers to take the photographs. However, that’s not to say that you can’t invite the likes of George Clooney or Keira Knightley anyway; it’s perfectly believable that they simply couldn’t attend because they’re busy shooting their latest moviethough they send their best wishes of course! Why not indulge in some 21st birthday gifts that really embrace the glamour of Hollywood with a ‘Personalised Film Star Calendar’ or even a ‘Personalised Hollywood Walk of Fame Star’?

The Outfit

Parties are always a great excuse to buy a new sparkly outfit and make yourself look gorgeous so why not treat your host with some 21st birthday gifts that will really see them start their adult life looking their absolute best? You could always treat them to a day at a health spa before the party starts, or perhaps even give them a gift pack that entitles them to a makeover with a professional stylist. These 21st birthday gifts will make anyone look like the real belle of the ball. For those fully fledged men, a pair of dazzling cufflinks not only makes for long-lasting 21st birthday gifts; they’ll certainly put the pizzazz into any birthday party outfit.

The Entertainment

It isn’t a real party if there isn’t a bit of music for the guests to sing and dance to; though what type of music is played is really a matter of personal taste. We all know that music changes throughout the decades but it is those songs from our childhood that tend to hold the fondest memories. For some truly unique 21st birthday gifts you can turn their favourite music or a record with special significance into a work of art. ‘Your Special Record, any UK Number 1’, is a mounted plaque that honours any record of your choice; whether it is the song that was at number one on someone’s birthday, or whether it’s just an old time favourite, these 21st birthday gifts will really get the party started.

The Catering

You can always expect there to be a few bottles of champagne at any great party, and they can make for some favourite 21st birthday gifts. If you want your 21st birthday gifts to stand out amongst the rest, then opt for a personalised bottle of champagne where the label is tailored to display the name of the recipient. You could also invest in a 21 year old bottle of Armagnac that can be opened straight away or kept aside for that next big party.

The Hangover

Don’t let the hangover interfere with what should be a party to remember forever. Though there are a number of hangover cures you could try, nothing ever beats a good cup of tea, and the most thoughtful of guests could incorporate this into their 21st birthday gifts. How about the ‘Bespoke Blends Personalised Tea’ which is professionally blended to represent the birthday boy or girl? Present it to them in their own personalised mug and they’ll think it’s still their birthday.

About the Author: To explore our range of

21st Birthday Gifts

further, please visit our website at http://www.gettingpersonal.co.uk.

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Iranian International Master Dorsa Derakhshani discusses her chess career with Wikinews

Tuesday, April 14, 2020

Dorsa Derakhshani in Baku, 2017 (Image: Gibraltar Chess Festival)

In February 2017, the Iranian Chess Federation announced two teenage chess players, Dorsa Derakhshani and her younger brother Borna Derakhshani, were banned from representing the national team. The federation announced their decision although Dorsa Derakhshani had previously decided and informed the chess federation she did not wish to play for Iran.

Dorsa Derakhshani is currently 21 years old and holds the International Master (IM) as well as Woman Grand Master (WGM) titles. Her brother, Borna, plays for the English Federation and holds the FIDE Master title.

Dorsa Derakhshani was banned since she did not wear a hijab, an Islamic headscarf, while competing at the Tradewise Gibraltar Chess Festival in January 2017. Under the laws of Islamic Republic of Iran, hijab is a mandatory dress code. Her brother Borna Deraskhsani was banned for playing against Israeli Grand Master (GM) Alexander Huzman at the same tournament. Iran does not recognise the existence of Israel, and previously, Irani athletes have avoided playing against Israeli athletes.

Mehrdad Pahlavanzadeh, the president of the country’s chess federation, explained the decision to ban the players saying, “As a first step, these two will be denied entry to all tournaments taking place in Iran and in the name of Iran, they will no longer be allowed the opportunity to be present on the national team.” ((fa))Farsi language: ?????? ????? ?? ??? ??? ?? ??? ????? ?? ?? ???? ???????? ?? ?? ????? ? ?? ??? ????? ?????? ??????? ????? ??????? ? ???? ???? ???? ?? ??? ??? ?? ??????? ????. He further stated, “Unfortunately, something that should not have happened has happened and our national interest is paramount and we have reported this position to the Ministry of Sports.” ((fa))Farsi language: ????????? ?????? ?? ????? ????????? ?????? ??? ? ????? ??? ?? ?? ?? ???? ?????? ???? ? ?? ??? ???? ?? ?? ????? ???? ?? ????? ?????.

IM Dorsa Derakhshani, who currently studies at Saint Louis University in the United States and plays for the United States Chess Federation, discussed her chess career, time in Iran and the 2017 controversy, and her life in Saint Louis with a Wikinews correspondent.

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Witnesses saw truck “rev up and race” before recent Texas oil refinery blast

Friday, April 1, 2005File:Map of USA highlighting Texas.png

Investigators plan to look for the truck engine.(Image missing from Commons: image; log)

Witnesses say a truck was idling near the scene of an explosion at a Texas refinery which killed 15 and injured over 100 others on March 23, according to U.S. Chemical Safety and Hazard Investigation Manager Bill Hoyle.

“Witnesses saw vapor in the area of the truck and observed the engine begin to rev up and race,” Hoyle’s statement said. “This behavior by a diesel engine indicates the presence of a flammable atmosphere entering the air intake. A driver reported trying to shut off the engine but was unable to do so.” Hoyle’s statement continued, “There are multiple possible sources of ignition in an operating refinery unit and we have made no determination about the ignition source at this time.”

The investigation has been delayed by BP and Occupational Safety & Health Administration officials, who are trying to preserve evidence at the site for their investigation. They are also concerned about further injuries from hazards left over from the explosion, such as falling debris and unstable structures. The Environmental Protection Agency also detected benzene in the atmosphere over the plant, which was treated with a layer of foam.

BP has retained control of the plant since the March 23 accident. Police arrived quickly the day of the explosion, but left after the initial emergency was over.

“Our officers could respond over there, but they don’t have a clue,” Texas City police Sgt. Curtis Pope told the Houston Chronicle. “The fact is they have chemical and equipment hazards. We don’t know the chemicals.”

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Getting A Bigger Penis Use These Simple Methods To Increase Your Penis Size Fast!

By Sean Goudelocks

Everybody wants to be different. In the male species the one who can satisfy his partner the most gets the rave that gives him the status and pride that he is THE MAN, so to speak. Do not be left out in the race because you lack the know how when it comes to getting a bigger penis. You deserve it, your partner deserves it. No amount of sexual technique can compensate for a teeny weeny member. With a few simple steps and a gargantuan amount of effort and dedication, you are on your way to changing your life as it is now. You can make a change and it starts now.

The following are called penile exercises , they are designed to address the need for getting a bigger penis. Sure there are medical interventions available in the market but it has certain drawbacks that could strike fear to anyone even those desperate to having a full and bigger penis. One of the disadvantage of going under the knife is that the results are not guaranteed. A study has shown that even those who have went through the knife still suffer the mentality of inadequacy and dissatisfaction with the procedure. Add to that, the real threat of having a disfigured penis when the procedure goes wrong. That is why in this article and in many others that you can encounter, it has been proven and clinically tested that penile exercises is one of the safest and surest way to get that needed inches to your penis without worrying about the side effects of chemicals or surgery. Are you ready? Here it is:

1. First, make sure that you have a semi-erect penis. Never attempt this exercise when you already have a fully erect penis. Form an O.K. sign and place it around your semi erect penis. Start from the base and slowly glide through the shaft of the penis. Be careful not to go past the head of the penis. Once you reach the top, do the same while going back to the base. Do this very slowly to allow blood to pass through the penis and you will see that the penis is beginning to get large.

[youtube]http://www.youtube.com/watch?v=H1m3HmnznHM[/youtube]

2. Second, when you have mastered this motion already, try to vary the exercise by gripping longer when you reach the top just before the head of the penis. Hold this position and grip a bit tightly for about two or three seconds. This will train your penis to hold blood for a longer time which in turn will lead to your wanted results.

3. This one is called the V-jelq. The reason it is called this way is because you change the way you grip your penis instead of an OK sign you use your index finger and your middle finger to form a letter V instead. Now this exercise also varies from the above because you use the other hand to cup the fingers that formed the V. You should slowly move this two-handed grip along the shaft until the V formation is just right beneath the glans. Hold the position for about a second to let the veins be used to the pressure building up. Remember that this method is a very slow one and should normally take about 5 seconds to complete one stroke. Be patient, Rome wasn’t built in a day as they say.

Practice this exercises to give your penis the right size of girth and length that your partner has been missing through all this time. It doesn’t matter what age or body type you are but this exercises are guaranteed to deliver the results once you put your mind into it and really make a conscious effort to do them correctly. Good luck and have a blast in getting a bigger penis.

About the Author: We are an expert on this topic. Get the best

penis exercises

. Help your woman reach orgasm by having a

bigger penis

right here!

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China’s ‘Bandit King’ given life term in ‘massive’ bribery case

Saturday, May 19, 2012

Lai Changxing, dubbed the Bandit King, has been given a life sentence for years of smuggling and corruption that added up to billions of US dollars or Pounds sterling. The Chinese court described the values as “massive”.

The sentencing took place in Xiamen, where Lai’s empire was based.

Lai smuggled goods worth more than £2 billion into Xiamen, bypassing more than £1 billion in import duty. He paid 64 local officials a total of almost £4 million in bribes, giving him effective control of the city from 1995 to 1999. He fled China after becoming a wanted man in 1999 and went to Canada via Hong Kong; the following year, Premier Zhu Rongji said “If Lai was executed three times over, it would not be too much”.

As head of the Yuanhua Group, Lai smuggled in cars, chemicals, oil, cigarettes, and other goods. He distributed bundles of cash to the poor, owned and played for his local football team, built stadia, owned a bulletproof Mercedes that once belonged to President Jiang Zemin, and attempted to construct a tower that would have been the nation’s tallest building. He attained local popularity for funding construction projects including schools, hundreds of tower blocks, and the local airport.

Lai funded construction for the city’s airport.

As well as money, officials were offered alcohol and prostitutes. Many were offered time at Lai’s seven-storey brothel, the Red Mansion, and feasted at a replica of the Forbidden City.

State TV has broadcast footage depicting a banquet table with a tiger skin laid upon it, cars given to officials, a young woman alleged to have been donated as a lover, and a sackful of gold rings. The case’s prominence was such that Liu Liying, boss of the national Central Discipline Inspection Committee, took charge of bringing Lai down.

Subsequent investigations have examined more than 1,000 suspects with police at one stage turning over an entire hotel to the probe, filling rooms with suspects. National newspaper The People’s Daily has suggested it is the most serious economic crime in modern Chinese history. He was the nation’s top car importer and one of the main traders in oil and imported cigarettes.

Hundreds of officials have been convicted and it is estimated hundreds more remain. Fellow life-sentence prisoners from the case include the city’s deputy mayor and its head of customs. The nation’s former vice-minister for security, Li Jizhou, has a suspended death sentence. Other suspects have killed themselves.

The sums involved are unusually large, and the details are extraordinarily serious

Upon his escape from the nation Lai became China’s most-wanted fugitive. Twelve years of negotiations ended with a Chinese promise Lai would be spared the death penalty, and Canada extradited him last year. Numerous lower-ranking members of Lai’s empire have already been given life imprisonment or death sentences. With execution off the table, the court gave Lai the highest sentence possible: in addition to the life term, he received fifteen years for bribery and had all his possessions confiscated.

The court justified the “double sentence” on the grounds “the sums involved are unusually large, and the details are extraordinarily serious”. “The crimes involve massive sums and particularly serious circumstances,” court officials told Xinhua. Lai had denied corruption at his trial, although he accepted exploiting loopholes to avoid import duty.

“I don’t have a good family background,” Lai said previously in a press interview. “I have to do things step by step by myself. That’s how people came to respect me. I never fussed about big money.” Lai was born as one of eight siblings in the midst of famine.

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Sallie Mae leads Consumer Financial Protection Bureau complaints about student loans

Tuesday, October 1, 2013

File photo of Sallie Mae’s headquarters in 2007 Image: Joshua Davis.

A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about student loans in the United States shows Sallie Mae leads all lending institutions in complaints. Of the 4,851 complaints dating back to March 2012 when the CFPB first began collecting student loan data, 2,262 or 46.6% of all complaints were about the lender. US Federal Reserve data from 2010/2011 shows Sallie Mae is the nation’s largest student loan lender, responsible for 25% of the market

The other major lenders in this space include Wells Fargo, JP Morgan Chase, PNC, and Discover. In complaints, AES/PHEAA came in second with 546, or 11.3% of all complaints. Wells Fargo, Citibank and JPMorgan Chase each had between 5% and 7.5% of all complaints, totaling 918 complaints between them. 78 other lending institutions round out the list of organizations with complaints filed against them for student loans.

Few of the complaints originate from people with problems with federal student loans. Less than 1%, 35 total, are for these types of loans, with Sallie Mae accounting for the bulk of complaints with 17 total. 14 other lending institutions have 3 or fewer complaints. For non-federal student loans, Sallie Mae is still the leader for complaints, with 2245 or 46.6% of all non-federal student loan complaints.

The Consumer Financial Protection Bureau sorts complaints into three issues: Problems when you are unable to pay, Repaying your loan, and Getting a loan. None of the federal loans had complaints about getting a loan. For non-federal loans, 65.5% of the 4,816 complaints related to loan repayment. Sallie Mae led in total complaints in this category with 1467. They were followed by AES/PHEAA with 356, Wells Fargo with 231, Citibank with 201, Discover with 158, JPMorgan Chase with 154, ACS Education Services with 143, and KeyBank NA with 116. CFPB says loan repayment issues include a basket of claim types including “fees, billing, deferment, forbearance, fraud, and credit reporting.” Problems when you are unable pay accounts for 30.8% of the complaints. Sallie Mae had 698 complaints. They were followed by AES/PHEAA with 181, JPMorgan Chase with 106, Wells Fargo with 104, Citibank with 70, and KeyBank NA with 58. Many of the complaints are, according to the CFPB, because borrowers have difficulty getting deferrments on loan repayment as a result of being unable to find employment.

Month by month complaints against major lenders Image: Laura Hale.

The total complaints against Sallie Mae for September of this year is 2 fewer than the same time last year. The company’s performance this year compared to last year has been mixed. March and June numbers were down over 150 complaints from the same month a year before. April, May, July and August all saw increases of 17–43. Of the top six lenders by volume of complaints, only AES/PHEAA and Citibank saw drops every month between March and September from the total volume in the previous year. Wells Fargo had a gain of 1 in August and 6 in May from the previous year. JPMorgan Chase had a difference of 0 from the same month last year for April, 3 more this year for May, and 4 more for August. Discover saw an increase every month from the same period last year except for September. When the total complaints differences from year to year for March to September are counted, this year has 571 fewer complaints against the top six lenders.

Closure reason percentage for student loan complaints by lender Image: Laura Hale.

Most, 1470, of the complaints against Sallie Mae were closed with explanations. 10.2% were closed with monetary relief. 7.7% were closed with non-monetary relief. 2.1% were closed with relief and 12.1% were closed without relief. AES/PHEAA’s complaint closure picture was much different. 40.1% of AES/PHEAA’s 546 complaints were closed with non-monetary relief, 35.3% were closed with explanations and 21.2% were closed without relief. Of the eight lending institutions with 100 or more complaints filed against them, Discover was the institution most likely to result in a closure with monetary relief with 12.9% of all their closures ending this way. Citibank was the institution with the highest percentage of closures ending with no relief at 26.0%.

Geographic distribution of student loan complaints Image: Laura Hale.

Complaints over student loan lenders were geographically distributed, coming from 3,447 different zip codes. The largest cluster of complaints is for 20001, a Washington D.C. zip code with 10 complaints originating from there. 07950, the zip code for Morris Plains, New Jersey, and 37013, the zip code for Antioch, Tennessee, each had 8 complaints originating from them. Zip codes for Patchogue, New York; Philadelphia, Pennsylvania; Washington D.C.; and Arlington, Virginia each had 7 complaints originating from them. By volume of complaints by state, New York led with 497, with California second with 467, Pennsylvania third with 303, Florida fourth with 288 and Ohio fifth with 219 complaints. US Territories largely occupied the bottom spots. The Northern Marianas Islands, with a population of around 50,000, had 1 complaint. The U.S. Armed Forces – Pacific had 3. North Dakota and U.S. Armed Forces – Europe had 5 complaints each. South Dakota had 7. Wyoming had 8. Puerto Rico and Alaska had 9 each. Rounding out the bottom five states by volume of complaints, Mississippi had 11.

With the possibility of a United States government federal shutdown looming on October 1, student loans may be impacted because of potential for an automatic increase in interest rates.

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