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VOL50, NO. 10 MERCYHURST COLLEGE JANUARY 13,1978For CEC Marathon

With over $2,000 raised forexceptional children MercyhurstCEC sat back w ith a sign of reliefthis past weekend as the thirdannual dance marathon completed its "last leg".No one was more excited aboutthe entire event than JDeseriiLucchetti, this year's dancemarathon chairperson. "It wasvery organized, everything wasperfect," said Ms. Lucchetti.For 48 grueling hours, 22dancers attempted the feat, butonly eleven finished what turnedout i o be somewhat of a sleeplessGarvey Appointed

Former Mercyhurst deanWilliam Garvey, professor ofhistory, has been appointed byCounty Executive RobbieRobison Uo be h is directo r ofadministration. ^In this capacity, Garvey issecond in charge and can beinfluential in the decision makingprocess. He is responsible forhandling the day-to-dayoperations for the countyexecutive. Ten offices, includingthe departm ents of personnel andcorrections, report directly tohimi " yGarvey also headed thetransition program for the newcounty government, a job he saidwent smoothly. "I received alotof cooperation from the people inthe courthouse and learned alotabout the government. I made aseries of recommendations whichhave been well received and wellaccepted." he said. '* the | Robison administration,barely a week on the Job,:hasalready experienced problemshaving to do with positions andwho will fill them. Complaintswere registered from variousethnic groups and from the ranksof the republican party.Byron J. Clapper, formercounty clerk of courts, stated thathe had second thoughts aboutaccepting the job of director offederal programs because ofRobison's first appointments,which he said "shattered hisconfidence in the countyexecutive."Garvey said he didn't know ifClapper meant what he said or ifhe was correctly quoted. "I doknow it was a disappointingstance," he added, "Becausewhat it indicates at first is that hewas disappointed at not gettingwhat he wanted." j"What it really looks like,"continued Garvey, "is that theold timers are trying to keep theold politics in the new government. And what they're reallyinterested in is what job they getand how much of their turf theycan keep, rather than concentrating onwhat had to be doneto make this new governmentwork*Concerning ethnic balance inthe Robison administration,Garvey said they would be

By Chris VanWagenerweekend.Of the eleven that made itwere: Kathy De Giacomo, SusanBrown, Gail Thompson, MikeLaniewicz, Casey Cronin, GerardNeCastro, Alda Walker, NadineBelovaric, Brian L'Hullier, KatieMcCaffrey and Tracy Fuller.* Each dancer had to obtain somany sponsors before they setout for the 48 hour journey. Oneindividual in particular, MikeLaniewicz, raised over $400 on hisown, an accomplishment neverbefore done in the marathon.Bob Ferdiani,... a sophomoreHRM. major and one of the

cLj.'s for the event also commented on the success of themarathon, but wished morefaculty had taken part. "I'mhappy they raised a lot of moneyfor CEC, but I wish more facultyhad supported the effort of thedancers," he said.Already there is talk of nextyear's marathon. CommentedLucchetti, "Already people aretalking about next year.Now, with three marathonsunder their belt, student supportwill tell the tale of the one projectwhere the word apathy is nonexistent. * i

urstBy John Bruno

"sensitive" to that issue whenthere is an opening. "But the bestpeople are going to be appointedto the jobs, regardless of theirethnic background," he noted."We recognize the need forPo l i sh -Amer icans , Blacks ,women and everybody else andthey'll be put in on a representative basis but not on a perfectlybalanced basis. Not when youhave to fire qualified people andnot when you have to create newjobs.":Garvey is certain that thecounty executive will get alongwell with Mayor Louis Tullio."One of the reasons Robison didnot enter the race for mayor," hesaid, "is because he respectedthe mayor's performance. >."Mayor Tullio has been morethan helpful in the early stages ofthe new government," heresumed. "He is the kind of manwhose strength has been in thefact that he has cooperated withboth democrats and republicansin the past. So I foresee goodcooperative spirit. Of course wewon't know that for sure until thecounty does something the citydoesn't like, or vice versa/ ' Garvey cited two factors thatspelled an overwhelming victoryfor Robison over opponent BobBrabender. The first was w hat hecalled "the city-county issue",meaning that the county votersdidn't want a city hall politicianin the county courthouse. Thesecond factor was Robison'spersonal charismatic appeal andhow it effectively came across ontelevision."Robison had a super image,he added. "He was in line withthe idea that you electcha r i sma t i c pe r sona l i t i e s , )"tube" images."He said he didn't view theRobison victory as aphenomenon, but as a "continuation of a voting pattern thathas been established in Eriecounty for the last two years!*'Look at the victories ofCarter, Heinz and Marc LincolnMarks. They too displayed the *kind of images that inspireconfidence in the voter whoseonly contact with the can didate ison the television," he said.Garvey agreed that the localnews media covered the county

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Dr. William A. Garveyexecutive race fairly withoutshowing support for one candidate over the other. i"Brabender probably didn'tget as good of coverage asRobison, but that's because hedidn't seek it," he said. "R obisonheld regular press conferencesand made public statements,whereas Brabender tended toavoid making them, except forthe most general kinds of comments.""But Brabender ran a goodcampaign,'* he continued. "Hechanged his image and I believehe grew in stature. I think he wasat his best during the campa ign."On an informal note, Garveywas asked to elaborate onhis rolemodels in history.

"In my living room I havesome busts," he said. "There'sone of Lincoln, for his compassion and his leadership.Jefferson, who I think is thecreator of American liberalism.Kennedy, for his charisma andhis embodiment of excitement.And Churchill, for hit eloquenceand his rhetoric. Those are theideals I have. They're allliberals." r %$Does he consider himself aliberal? "Yes, but not a"bleeding heart" or far leftliberal," he assured. "I'm an oldfashioned liberal. I'm a believerin the improvability of the humancondit ion and the development ofman, by recognizing that man, by(Continued on Page 5)

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. . . Congratulations to al l those who partic ipated and whoorganized this year's d ance m arathon. This is the third y ea rfor the marathon and it looks a s if it could be around for along time to come. A special thanks also should be given toth e H.R.M. Society who cooked most of the food for the dancer s . * :: 1.. Though they played their hearts out, Mercyhurst lost toWestminster stopping the win s treak. For those who missedthe game , it was indeed a barn burner. Several people havec omme nt e d in recent weeks that Mercyhurst wil l takej N.A.I.A/s District 18.There's l i tt le doubt in my mind that the team i s capable o fbringing home a champ ionship. This is the fastest start Mercyhurst basketball has been o i f t o , to date .. . . Saturday, January 14, is th e next l aker home game.Point Park is in town from the Steel City. It should prove tobean interest ing ba l l game. \. . . Where's the dance director? That's one question that'sbeen bothering m e s ince th e resignation of Ken Miller. Itseem s unfa i r to ask th e depar tment to wait a s the co l l egelooks, but Mil ler's resignation c ame a s a surpr i se to mos t .What ever the case , th e danc ers wil l continue to rehearse ,though one can't blame them fo r being disappointed aboutthe entire state of affairs.. . . Of course this is a new year an d like a ll n ew ye a r s ,resolutions a r e made , but how many of you ac tua l ly keptthem so far? \...Admissions annual Open House is scheduled for Sunday ,J a nua ry 2 9. Over 900 invitations hav e been sent out to potentia l students from around th e Erie area . * ,. . W e a t th e Merciad also extend aw ar m w e l c ome tostudents from th e Philadelphia area this weekend. Enjoyyour s tay at the 'Hurst, enjoy the snow , enjoy the snow , en-^joy the sonw, enjoy th e snow . . .. . . Speaking of snow. Res idents from Ses l er Apar tmentswould greatly appreciate an underground tunnel connectingSesler with O ld Main, Zurn and Rick and Barry's. ; .fe,. . . Is the campus center fa l ling down? I noticed recentlys o m e of the outside panels facing Sesler. were being put up

dur ing ou r recent snow storm. I'm told though it's just aminor repair j o b . i. . . What about th e Co-Op? I'll have m y c omme nt s fo ranother occasion. Pol i t ical Science Major, Jim Defner hasg iven m e some new ins ights into this matter .. . . Special Thanks to five people who cam e through in theclutch in putting this weeks paper together and they knowwho they are . *.. .W ha t d o Zebras, Mercyhurst College an d Fork liftshave in common? Good question, huh? 1

ou ts ide l i neWell , 1 0 7 8 i s only two weeks old and already ca ndidates ofboth part ies have announced that they a r e running fo rgovernor of Pennsylvania this year. Democrat Robert

Casey , former s ta te au di tor genera l , promised to "endcorrupt ion, par t i san po l i t ic s and co lossa l mi smanagem entin s ta te g o v e r n m e n t .0 Another democrat, former mayor ofP i t t sburgh Pe te Flaherty , sa id he was "90 per cent sure hewil l seek h is party's nomination." Republican candidate swho have announced their gubernatorial intentions a r eRobert J . Butera , former House minor i ty l eader ; ArlenSpecter , former Philadelphia district attorney; and formerU.S. attorney for western Pa. Richard L. Thornburgh, w hovowed to "restore a sound economic and moral c l ima te" inthe s ta te .For the first t ime since 1947, i t appears that communistsare go ing to have seats in the Italian government. ChristianDemocrat Premier Giulio Andreotti , whose minority government has ruled with si lent communist support since 1976,agreed to an emergency government that would g ive communi st s a share of power " to strengthen th e government{ (Continued on next column)

^y llmenciadJMtor .... ~ M Chris Van WagenenNe w s Editor . , , . , . . . . . . * , , John BrunoFea tu r e Ed i to r . , , Darlene KeithSports E d i t o r . . . . . . . . , . , , , . . Terry KellyGraphics and Layout . . . . . ^ . . Darlene Keith, Terry Kelly]Typi st s . . . . . i t . v i * * & I I M Joce lyn PiccutaWriters an d Creators: Vteki MarUnago , B o b Derda J r .? ! * CI f l r , 1 ' f h r l 8 J ? m c * * k ' Alda Walker , Judy Ananla .Colleen l l o t te l , Am y Chlsmadla, Liza Manendo , Sue F uss .Photographers . . . . . L ....... Sue Carlson and R andy MinkBusiness Manager . . . . , . . Darlene Keith and Lisa M anendoArt Editor . . . . . . *.,*U. . *< , * , . , ; , ; , , . . . P a t r i c k DunnFac ulty Consultant Wil l iam Shel ley

Olltside Lin6 continued....and restore s tab i l i ty / ' Ita ly 's comm unist par ty , headed b yEnrico Berl inguer, maintains it is a "Eurocommunis tgroup free from Soviet control and dedicated to "parl iamentary democracy." #

._ . - . 1 r H - . . . m r r - " i - - - - " - ! ' i . i . a . % . . I I . .

Fr. Daniel Berrigan, who earned national recognition as apeace activist during the Vietnam war, wil l speak in Erie onSunday, Jan. 15 a t a publ i c Mass fo r P e a c e a t Mount S t.Bened ict, 6101 East Lake Hd. at 4 p.m. The Si s ter s ' Councilan d t h e P a x Center a r e co -sponsor ing the 'event , i n o b s e r vanc e of th e 1978 World D a y o f Peace . Berr igan isscheduled to speak about supporting a n e n d to*nuclearprol i feration.Rock fans can? eitheri cheer o r jeer at* the reportednominat ions for Gramm ys, the prest ig ious award for year lycontributions to the record industry. Now in their 20th yearof award g iv ing , th e G r ammys have pr e s e n t e d somedubious awards in the past , but they have a l so handed outsom e rea l turkeys. For exam ple , a f ew years ago the Grammy for "record of the year" went to the bor ing "Send in theClowns" recorded b y Judy Coll ins. And back in 1971, th eaward for "best new ar t i s t" went to The Carpenter s , chosenover such ar t i s t s a s James Taylor and El ton John. If th eGrammys are go ing to be true to their form the "record ofthe year for 1977" w il l fal l to either Debi Boon e's rendition of"You Light Up My Life ," AM top 40's most overplayed songof th e ye a r , or to Barbra Streisand's tear jerker "LoveTheme from A Star Is Born (Evergreen) ." Here ' s a t ip: ifBarbra is in the audience the night of the awards (F eb. 23),y o u can be t your paycheck she ' s go ing to w in something.What's Light is Lite depar tment : T he Erie Brewing Co.can apparent ly keep the name l i g h t ' on their Light Lagerbeer. Th e U.S. Supre me Court refused to hear th e MillerBrewing company s appeal to s top the Er ie and nine o therbreweries from using the word "l ight", which it c la ims infringes on their "Lite" trademark. T h e Supreme Court,forever in tune with th e Engl i sh language , dec ided that"Lite" is "mere ly a misspe l l ing of a g e ne r i c t e rm and c an not be a t rademark."RANDOM NOTES: The Radio City Music Hall , home ofthe famous Rocke t te s , w i l l c l ose i t s doors on Apr i l 12 after alavish Easter show. The Hall , a top tourist attraction in N ewYork City fo r 45 years'; a t t r a c t ed imo re than 200 mill iontourists since it opened in 19 32 . . . Ne w Y or k ' s l a t es tnewspaper , T h e Tnb, what publ i sher a n d editor-in-chiefLeonard Saffir cal ls "a journal i s t i c idea whose t ime h a sc ome " , pr omi s e s to be "nothing short of journalisticrevolution." The tabloid, with it s f i rs t i ssue out on Jan. 9 ,will b e compet ing w i th the New York Times and the Dai lyNe w s . . . Spor tscaster Phyl l i s George ; go l fer Jan Stephens o n ; model Cheryl Tiegs; a nd s inger Nata l i e Cole wereamong t he Interna t iona lSoc ie ty of Girlwatchers ' s i x th a nnual se l ec t ion of the m ost watenable wom en. Ita l ian ac tre s sSophia Loren led the l ist of t en and was named the wor ld' smost watchable w i fe . .-..Major l eague basebal l ' s home runking Hank Aaron was ho spital ized in Atlanta, Georgia, aftercompla ining o f c he s t an d le g pains . T h e 43-year-old vicepres ident of the At lanta Braves was due t o be re l eased onJan . 10 af ter a hospi ta l s ta temen t re l eased sa id there was noev idence o f a heart attack or hear t d i s e a s e . . . For me rPres ident Richard M . Nixon of f i c ia l l y became a seniorcitizen o n J a n . 9. N o w 6 5 , he is el igible fo r soc ia lsecurity . . . The Force w a s with them a l l th e w ay to th e

Bank: "Star Wars" h a s sur pa s s e d " Jaw s" a s the numberone box office hit of al l t im e. I

B ulle tin B oardLiterary Magaz ine : Fr iday , F eb. 17 i s the last day to submit contributions to"Han dfuls", t h e. 1978 M ercyhurstl i te rary m agaz ine . NThe editor and staff are looking for poetry, short stories,plays , b lack and whi te photos , drawings , and a cover des ignfrom anyone in the 'Hurst c ommuni t y .Incl ude nam e , address and phone number on ma te r i a l e n tered and send to bo x 33 1 McAuley . For informat ion, contac tGi NeCastro o r D r . Detmar Straub i n 2 1 4 Preston.Student Activities Committee (SAC) After Saturday' s game aga inst Po int Pa rk , s tudents a r einvited to a skat ing par ty a t Glenwood Ic e Rink. T h e fu nbegins a t l l p.m. w i th bus , admiss ion and sk ate renta l only$ 2 . ;

> Admiss ions :The Admiss ions o f f i c e is sponsor ing a n open house fo rprospec t ive high school seniors on Sunday , Jan. 29 , We needyour ass i s tance w i th these s tudents . If y o u a r e wil l ing todonate your t ime for that a f ternoon, pl ease drop by our off ice in O ld Main and g i v e us your name . *Student Activities Committee (SAC):Announc ing the 1978 Snowbal l Dan ce to be h e ld o n Fr i dayF e b . 3 from 9 p.m. to l a.m. a t Rainbow Gardens. The themeis "Love's Holiday ." The dan ce wil l feature the J.B.C. Bandand Show , a group from P i t t sburgh that ' s into play ing t o oRhythm and Blues tunes .Tickets are $10 a couple, with the first f i fty being sold a teight dol lars a couple . Ticke ts a r e o n sa l e i n th e s tudentunion. Buses w i l l be ava i labl e if needed. Anyone intere sted

(Continued o n next column)

B u l l e t i n Board...continued Iin he lping w i th decorat ions for the dance are ura*Atact Gretchen Na rcisi , 866-3405. ge dtocon.

P l a c e me nt Of f lee:Purposan oppor tuni ty to mee t w i th and interview' renr** Senior*of approximate ly 10 0 companie s l arge a n d sma l l ^ i r *On Sa t., Jan . 28, the Career Planning Center win ^s ix hour seminar on Liberal Arts and SkiH IdenM fer aAny student intere sted i s adv i sed to register ASAP U Cation-of the nature o f such a program enro llment is I i nJL? e c a u 8 eContac t the P lacem ent o f f i c e if interested in sunTp l o y men t a t recreat ional center s , camous nr "!"mer em-parks. < F ' or a m u s e m e n t% Sk i Tourney 1

1s t Annual Open Cross-Country Sk i T o u r n a n wsored by the Erie Lions Club. Place: 6043 s 2 ! 8 g ^Fa i r v i e w , P a . (833-0829) Time: 10 ^STS^S^t r ance F e e : $5 per person. Jr^ fee: (15 and md^t ^proceeds from the ski tournament to be donated \\L 'J&Lions Club and B.O.L.D. (Blind Outdoor L d t o r f l S 6 ? *ment) for the benefit of the bl ind. $2 of t he e XLi > f ? lo p -des ignated for the Blanket Insurance Pol icy

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D a v e B l a n c i i f i e l d R e t u r n s T o M e r c y h u r s t A n d T e a c h i n gIf many of the people on thisSic had their way, one of theFHBE lS Se New York TimesifS*S*A read, "DaveRlanchfield Returns!' BIDave left Mercyhurst over avea ago after teaching theologyLr five years and working as aJ j S l Campus minister for

{i was getting in a rut, first ofall and I really felt the need toget out Of that pattern and pick upIn advanced degree," Davesaid Maybe Dave won't make theNew York Times, but his returnis still news for many, j

B e P a i l O f L a k e r m a n i aM e r c y h u r s t [ v s . P o i n t P a r kSATURDAY, JANUARY 14

Campus Center - 8 : 0 0 p.m.

T r a v o l t a C a p t u r e s T h e D a n c e F l o o r A n d W o m e n ' s H e a r t s"Boy can John Travoltadance. If you have been to thesupermarket, local bookstore oranywhere in Erie, you havesurely heard people say this. Andyou also have noticed that whenthey say it, a look of excitement ison their face. Well, if you'rewondering what these people ar ereferring to, I have the answer.It's the recently released film,Saturday Night Fever.The story which centers aroundTony, an Italian Catholic playedby John Travolta, is about aman's great talent for dancingand his anxiety to become abetter person and m ake a care erfor himself, preferably in dan

cing. 'M ITony works in a paint store andhis big night comes everySaturday when he goes ito thelocal dancing spot, 2001, and isknown as a kind of celebritythere. Everyone knows him andworships the ground he dances.The regular antics go on in thisfilm as others do of the sametype. There is the usual beatingup Jscenes and the scenes thatemphasize the making out in theback of the> new jointly ownedChevy. *But, of course, John Travoltameets the girl of his dreams,Stephanie, as he sees her dancing

By Darlene K eithon the floor of 2001. Upon viewingher, he goes after her andeventually wins^her over.Stephanie, played skillfully byKaren Gorney, eventually persuades Tony to give up the gonowhere paint store career andprogress, perhaps to become adance instructor.Although this film is your basicboy meets girl story, it has atwist, dancing.The dancing is excellent byboth John Travolta and KarenGorney. Together they could be amodern Fred Astaire and GingerRogers. The soundtrack of thefilm wasn't lagging either. G reatsongs by the Bee Gees enhanced

the film and without the music orthe dancing the film would havebeen disastrous. 'John Travolta's first film willbecome a success, I'm sure ofthat. But perhaps he shouldn'tpraise himself too much.Travolta should be grateful thathe can dance extremely well and

that the time was right for thistype offilm.After all, what else isthere in Saturday Night Feverexcept dancing.Saturday Night Fever iscurrently showing at CinemaWorld at 15th and PittsburghAve.

Cross-Country Sk iing Is OfferedThe Department of MilitarySciences at Gannon College isoffering a one-credit-hour coursein cross country skiing oncampus this month.These classes are offered toany freshman or sophomore.There.is no cost for tuition orbooks. Only two sections will beoffered this winter term.This course is composed of fivehours of classroom workand tenhours i of outdoor practicums.Both sections, P and Q, will meet

in Zurn 207 on Monday, Jan. 16,from 12 to 5 p.m. for theclassroom work. %The students will*meet in theStudent Union (basement ofZurn) 15 minutes before thepracticum begins. The practicums for each section a re from1 to 4 p.m. on the following days.Sec t ion #P will meet* Tuesday,Jan. 17, Thursday, Jan. 19, andTuesday, Jan. 24. Section Q willmeet on W ednesday, "Ja n. 18,

Monday, Jan. 23, and Wednesday, Jan. 25. 1Bach section will be limited to20 students. Interested studentsmust register at the MercyhurstCollege registrars office. Eachstudent attending class must alsobring completed-. crossregistration forms with them tothe first class on the 16th.For further information,contact Major Michael Konopkaat 456-8376.

Atten tion Freshm en:Elect ions for three freshm en s tudent governmentrepresentat ives wi l l be he ld on Fr iday , Jan. 27from 9 a .m. to 4 p.m . in Zurn lobby. Any freshmaninteres ted in running for the e lec t ion i s asked tos t a t e their intentions in writing an d drop i t off in the

MSG office in the Student Union or con tact one ofyour f our >student ^government o f f i c e r s .Nominat ions |will be accepted unt i l Fr iday ,January 20.

PACE Groups are now forming for the w inter t e r m .Interes ted s tudents may s ign up in Dr. JeanLavin's office at Main 213. Upperc lass s tudentsm ay part ic ipate in groups Winter T e r m .

Inquiring Reporter AsksY o u T h i n k C h r i s t i a n

L H V B J M IJ Diane ParsonsFreshman Nursing"Yes, -I think so. And, in a sensethey put too much emphasis on it."tar:Jane Thompson ^ ^ ^ _Y Sophomore Geology

Howler I 1 L ? 9 , r i S * i a n 1 c o U e 8 e ;orcouiH i L f tt k "* as * shouldJ^couid be fora catholic school."PHOTOS BYSUE CARLSON

I Geoff Hicks IFreshman Law Enforcement'."Yes, It's too Christian oriented.And there's too many nuns flyingaround. "^ * H 8 r

I Randy Mink ? fSenior Law Enforcement"Yes, I think it's 'a Christiancollege, but .1 believe it's leaningmore and;more away from itsoriginal teachings. Besides that Ithink the Lords Prayer should besaid at every baseball gam e." .jgg

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PAGE 4 THEMERCIAD JANUARY 13,1978Students ECO III r r e s p o n s i b l eP a y B a c k l o s e L o a n s

S t o v e s A r e S t i l l M y C h o i c e

unable toasked toc a n c e l l e d .law , whichs t a t e , a

Do you have a s tudent loan?Are you thinking about gett ingone? Here are some importantfacts you should know regardingloan payments and bankruptcy.In 1975, Ann graduated fromher s t a t e un iv er s i t y w i t h amaster's degree in * education,lots of confidence and $7,500 indebt s she accumulated duringher las t f ive years o f schoo l ing .She quickly discovered thatthere were n o Jobs for high schoolFrench t eachers , and that sh ewas e i ther over qual i f ied orunski lled for any other ava i lablejobs. Her best opportunity, itseemed, was as a $5 ,500 a yearclerk i n a n insurance off ice, a farcry f rom the $9 ,000 she hadcounted o n a s a t eacher. To to p itoff, she rece ived th e f irs t m onthlybill of $9 1 for repayment on hercollege loans.? jUnwil ling to face t en years o frepaying a loan with only meagerearning prospect s , Ann declaredbankruptcy, that is , she went tocourtJtold th e judge she wa spay her debt s , andhave them lega l lyUnder bankrupt cyvar i e s f rom s t a t e t operson [ d e c l a r i n gbankruptcy must turn over m ostof their asset s t o b e distributed totheir credi tors . In Ann's case ,this was the $65 in her sav ingsaccount.;! ?She handed over th e $65 and leftthe courthouse legally f r ee andclear of her $7,500 debt forever.Fro m 1974 to 1976, 12,300 form e r s t u d e n t s f i l e d s i m i l a rbankruptcy claims totaling $15mi l l i on , bo rrowed t hroughvarious government-funded loanprograms . I s bankrupt cy asens ible s t ep i f you are conf ronted with heavy co l lege debt st ha t y our budge t can ' t a c commodate?If you go through bankruptcy,you should remember that arepor t o f y our bankrupt cyremains in your credi t bureau filefor 14 years . This means thatevery time you applyfor charg eaccount , bank loan or m ortgage,the prospect ive lender wi l l readabout your bankruptcy.* Some credi tors may take intoconsideration the special circums t ance s surround ing youraction (and by l aw you can wr i teyour own explanatory s ta temen tand have it placed in your credi treport ) . But nevertheless , youma y have trouble gett ing credit

fo r a l ong t ime t o come .Bankruptcy is a last resort forthose c learly in a posit ion inwhich they wil l never be ab le torepay their debt s and carry onwith their l ife; it is not mean t foryoung men and women t o f i nd i tt emporari ly inexpedient to m eetdebt repayments .A l l government loan program sencourage former s tudent s whoare hav ing t roub l e r epay ingeducational loans to apply totheir bank or c o l lege lenders for"forbearance" , the t erm which i sused when you ask an ins t i tut ionto change the t erms of your loanto make i t eas ier to repay.F o r e x a m p l e , i f < y o u a r escheduled to'repay your loan int e n y e a r s w i t h m i n i m u mpayment s o f $ 3 0 a month, y o u ca nask the bank , to reduce yourmonthly payments to a moremanageable level by spreadingout payments over a longerperiod of t ime.Also note that new 1976 lawsspecif ically provide for deferment o f repaym ents for up to 12months during1; any one periodwhen you a re unemploy ed andlooking for full-t ime work. *As of now there are two verypopular loan programs forhighereducation. One, the GuaranteedStudent Loan Program whichlends up to $2 ,500 a yea r, w ith am aximum loan of $7,500 forundergraduates and $15,000 forundergraduates w h o then g o o n todo graduate work. tMost of the lenders are banks ,credi t unions , sav ings and loanassocia tions and s ta te agen cies ;in a f ew cases the co l lege oruniversity mail the loan direct lyto you. vT h e F e d e r a l g o v e r n m e n treimburses i th e lender 100 percent if the student defaults.Repayment i s required in t eny ea rs o r l e s s , with minimumpayments o f $30 a month andu s u a l l y b e g i n s w i t h i n n i n emonths a f ter leav ing the co l legeprogram. ;A new l aw , wh i ch wa s enac t edin 1 9 7 6 a n d which went into effectOctober l, 1977, prohibits anystudent w ith a guaranteed loanf r o m h a v i n g i t d i s c h a r g e dthrough bankruptcy until at leastf ive years a f t er the requiredrepayment period begins/Thereis talk in Congress, though, aboutrepea l ing this .The o ther, the Nat iona l D irect

Student Loan Program , lends upt o $5 , o oo f o r underg radua t eeducation, and up to $10,000 forundergraduate and graduate andgraduate educat ion.Under this loan, the schoo li t se l f makes the loan with some90 per cent o f the m oney comingf rom t he F edera l g ov ernmentan d 10 per cen t f rom th e scho o l Ifthe student d efaults, the school isout of its 10 per cent . Repaym entis required in 10 years or less ,usua l ly ' beg inning within ninem o n t h s a f t e r e d u c a t i o n i scompleted. Minimum paymentsare $30 a m onth.F i l ing for bankruptcy a t anytime is st il l a l eg a l alternative fo rthis type of loan. However, a NewYork S tate Appea ls Court ruledrecent ly that even though ayoung m a n declared bankruptcy ,his loan was exempt , that i s , i twas not cancel led.The rul ing so far i s app l icableonly in New York s ta te but i tcould have far-reaching ef f ect son potent ia l bankruptcy case s inother s ta t es where n at iona l loansare invo lved.

I have a new theory . I amconvinced that w ithin the nextf ive years the s tove, that comm o n household appl iance, w i l l beobsolete. That's right , totallyoutdated and useless . |And wha t may you a sk w i l lreplace the s tove? Wel l , i t a l ldepends o n jus t what you w ant tod o .In fact , there are over 25 dif-f erent smal l appl iances to sui tt h e n e e d s o f a n y g a l lo p i n ggourmet French chef. If you areplanning a kitchen todav, youm i g h t want t o i nc lude t hefo l lowing i t ems: a micro waveoven, s t eak; cooker, hot dogc o o k e r , p o p it c o r n p o p p e r ,pre s sure coo ker , . deep f ry er ,o m e l e t p a n , e l e c t r i c g r i l l -hi bach i and t electric coffee potThen you could add a waf f lemaker, toas t er , crock pot . jiffyskillet , electric griddle, electriccof f ee maker, e lect r ic crepe pan,e lect r ic yogurt maker, e lect r icfrying pan, fondue pot , rot isseriebroiler, wee-bakery oven, tables t ov e and warmer .I 've lef t out three o f the more"necessary" i t ems. F irs t i s the

egg cooker. The bas ic mod el w i l lcook four eggs in the shel l orpoach a ha l f dozen. It seem s thatthe o ld egg t imer and pot o fboiling water aren't as eff icientand subject to human error. Evenwhen you're ha l f as leep this

youontraption will cookperfect egg every time.)Then there's the pizza cooker,just p o p t h e dough with s auce andchees e under t he dome a n d vola perfect pizza! I guess the o ldoven took too long to heat u p an dburnt the cheese too o f t en. Andjust think, i f you use a f rozenpizza - no work at a l l .Last , but not least , is thedoughnut maker. Now you canhave f r e sh doughnut s any t imeyour l i t t le heart des ires . Justpour in the bat t er and a l i t t le o i l ,wa i t fi v e m inu te s and you have aperfect doughnut,* right down tothe ho le. IA n d so i t goes w ith a l l o f them.Save t ime , money and energy .But i s the energy sav ing worththe resource loss and ki t chenclutter? Beyond a l l that what about thefun of cooking? W hat happens tothe cha l lenge o f bo i l ing a perfectthree-minute egg? Or now aboutt h e f u n of watching the che ese onyour pizza melt whi le t ry ing tocatch that " jus t r ight" po int?Wil l s topping a t Dunkin' Donutsbe a s much t un, t he s ame k ind o f

t reat , when you know that youcan go home and m ake your owncinnamon doughnut?Maybe i t i s b i g , bulky and a bi tineff icient , b u t I vote for th e s toveand hope that i t can hangthere. in

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