The point is to catch someone's eye and hope they don't throw it in the trash (which is what 95% will do). 

Very eye opening (in a good way). 

No borrower (you) should skip over looking the lenders in the eye while you read these sections of the disclosure.  

Again - I don't know what your situation is, but mine basically consisted of 1 collection account for $178 from a medical bill, and one credit card that I loaned to an ex-girlfriend, who missed a couple payments, and scant history/trade lines. 

long term i like Raleigh because of the economy there being waited towards medical hence appreciation.  

here some unselfish advice: 1) keep your eyes on your assets.

Short sales usually require a hardship letter to the lender explaining your hardship (job loss, death in the family, forced relocation, divorce, medical bills), your lack of assets and your lack of income.

The best thing you can do is keep an eye out for it when it hits the market.

I am currently a college student seeking a degree in the medical field.

Some might need certain benefits and have large medical expenses that would be completely different than someone who wants to maximize retirement contributions.