Hey Everyone,I just joined BiggerPockets a few days ago, I'm 20 years old and a Junior at Pitt, living in Pittsburgh, PA.

Time is better spent hosting lunch-and-learns, being a junior achievement volunteer, putting on financial literacy courses at your church, starting web sites like BP, hosting podcasts to help others get ahead...practical stuff (where you may be able to help 1 out of 10 or 20 who are willing to fix the habits that keep them in the middle class).Class warfare creates more divide than it provides help or solutions.

And POL states sherrifs sale. .there are NOT sherrif sales in CA. they are trustee sales.. so that would worry me that they did not get the verbiage right.Any overage over what your due goes to the next in line and if there are no junior liens then the overage goes to the owner of the property.So unless no one bid this is what would happen.. and if No one bids..

But wanted say technically a junior loan (second position) can't wipe out the first position.

We too like the $50k range, though you can get a couple juniors for the $30k range, though we always keep $5k in reserves for expenses & foreclosure if needed.

I believe all of the students could live off campus previously, but now it's only seniors or juniors. 

I'm (as of this posting) 26 years old and teach junior high and high school mathematics.

If you bid on a property at auction all encumbrances junior to that lien usually are wiped away but anything senior stays.  

I made extra payments early in the loan and I am now scheduled to have this paid off in the junior year of my oldest child. 

if it went through an actual foreclosure then as stated most if not all the junior liens should have been removed from title .. they still exist as to the person who lost the home.so something is no adding up.