You should NOT attempt to work on a short sale by yourself in Washington liberal save people from themselves because they can't state.  

I'm 23 years old and currently living with my parents working odd jobs, have an associates degree (in liberal studies.. yay), 0 debt and perfect credit. 

Westerra Credit Union has fairly liberal desktop property valuation software so you might get to push the value with them.

No one ever mentions the utterly liberating feeling you have the day you have $0 in debt.

Don't be surprised if they demand to review your corporate docs once a year to assure that you don't then transfer into the more-liberating structure. 

That was pretty much how I did it.....very liberating moment.

That's not really profit, it's kinda like a bonus for turning up and playing the game, a free chip at a casino.The bank isn't really winning because interest rates are so low, and frankly, they are getting paid so little each month it's hardly the jackpot for them either.You are servicing that debt for 30 years.

Clearly for those who own the lands or houses years ago have hit the jackpot.

Typical liberals and stupid plans to bury people in debt.The east side is a hellhole

You are in IL...one of the most liberal States as much about consumer protection as any place on earth.