hi.

my landlord is taking over my apartment for personal use. i need to be
out in a few weeks. you seem to be building a monopoly on vacant
spaces in this city, and you won't rent to me because i've defaulted
on my student loans. this is effectively cutting off my right to
housing.

but, this is not a good reason not to rent to me.

my loan default is a real thing, this is true. however, because i live
on disability, there is essentially no way for the state to collect on
it. i have done my due diligence and applied for loan forgiveness, and
they have told me that although i am permanently disabled i am not
"severely" permanently disabled, which is some kind of kafkaesque
nonsense. but, what it means is that, while the loan will continue to
collect interest for the rest of my life, this has no actual effect on
my income.

the fact is that i get around $1200/month from the government, every
month. this income cannot be touched by any collection agency. nor is
it under any threat of market failure - i cannot get fired, i cannot
get laid off, and i cannot get outsourced. if you were to compare me
to a wage worker, and you were to measure my value as a tenant solely
on my ability to pay, you'd have to conclude i'm a far safer gamble
for the reason that i'm immune to market forces.

i understand that you don't want to rent to people who manage money
poorly. but, student loan defaults are going to be an increasingly
common fact of life in this city, and if you are going to command so
much of the empty rental space, you should really be approaching the
situation a little differently.

i have been in this unit for four and a half years and i have never
paid my rent late. these payments will come in every month into
perpetuity. it makes no sense to deny me housing for this reason -
because i am a model tenant.

j