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IIRC, it's only exempt from garnishment if you show up in court and request it be exempt.

1. set up the lowest monthly payments you can get
2. set up auto-payment for double that amount on the same day you get paid (eg the 1st of the month). Edit: Make sure the extra goes to principal and not toward the next payment

You'll turn a 30 year loan into a 8 year loan that way.

IIRC, Reddit adds fake downvotes to the public downvote count as a small part of it's anti-brigading measures.

It's probably for other consequences... the person doing this AMA just spoke of lack of food and police around the country, you think less aid will help that? Not that I'm an expert in the matter or anything.

Just sayin', nothing is all black or all white.

The /r/atheism community is currently doing our annual donation drive for MSF, thank you all so much for the work you do :)

1. What are some differences between what your organization does and similar organizations like the red cross?

2. What situation have you felt particularly proud over where you feel like MSF was able to help the most?

3. What kinds of bureaucratic hurdles to you encounter?