Good news is I make 60 grand a year. Up to 65 grand if I get a lot of overtime.

Bad news is I had to take out a lot of loans to get there.

140,000 dollars in private student loan debt.
70,000 dollars in federal student loan debt.
35,000 dollars in credit card debt.

Altogether they want about 2800 a month, which is about 70 percent of my take home pay. I convinced my student loan company to let me pay back the loans over a longer period on a graduated scale and got the payments reduced a little so now I’m only paying 2100 dollars a month on all of my debt. But that’s still over half of what I make and I can barely live a normal life.

What should I do? No one will refinance me at a lower rate because I’m such a high risk option with all of this debt. But I’ve heard that a bankruptcy court will crucify me because I make too much money, even though I’m barely scraping by because of all the payments. Help!

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Readability Formula: As the text suggests, writers will want to make the content easy to read by simplifying ideas, organizing them logically, and laying out the document in an appealing way. Refer to the Gunning Fog Index and the Flesch Reading Ease Scale to calculate readability formulas. In addition to the course text, search the Internet for information regarding readability formulas.
Good Style: This scenario deals with bad news (a negative message). Not only will classmates be missing out on the trip to Mexico, but they will also lose their deposits. While it is important to be honest, the structure of the message is important. Building Goodwill: The writer of this message is merely the messenger; the situation is out of his/her hands. Although reimbursing classmates would be ideal, the bus company is filing for bankruptcy and may not have much to offer. What other alternatives might be possible?
The writer should also try to determine the audience’s initial reaction, the amount of information required, positive aspects that can be emphasized as well as obstacles that must be overcome, and expectations of the audience.

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