Much of that blame goes to William Dillard II, 55, who was named chief executive just before the merger was announced.
Department stores Macy's and Dillard's recorded modest improvement in the low single digits, as did Target and Gap.
Instead, Ms. Dillard, an associate broker with Keller Williams Realty First Atlanta, plays up her negotiating skills and drive.
The private sector, she wrote, has been more "responsive" to Dillard's needs than the government's own direct student-loan program.
Petri knows that schools such as Dillard get some benefits from Sallie Mae.
He started down the list again: American Express, MasterCard, Visa, another Visa, another MasterCard, Discover, Gap, Dillard's, Macy's, Ann Taylor .
"Most of them hang up, " says Flo Rida (real name Tramar Dillard).
This month, Dillard University's president, Marvalene Hughes, wrote her Louisiana senator to plead with Congress not to cut subsidies to private student lenders.
The mall's death knell came when it lost both Dillard's and Macy's as anchors in 2008, leaving it with only Sears and J.
Zana Dillard, another former model, omits her photo from everything except her website after she had an "unfortunate experience" with a stalker in 2001.
The senior Dillard, 86, passed on the chief executive title to his son William II two years ago, but he still wields a lot of power in the boardroom.
Hughes and other Dillard officials declined to talk with NPR for this story, but their message mirrors a set of talking points created by Sallie May lobbyists.
The board also is stacked in its favor: 5 of the 12 members are Dillards, including the elder Dillard, now one of the oldest chairmen of a U.S. public company.
We went to Durham, North Carolina, and asked people outside of Dillard's Bar-B-Que, a popular soul food restaurant in the city: What does Memorial Day mean to you?
Reflecting on human suffering, Annie Dillard was once moved to suggest that God must care more about the tree of humanity than the individual leaves that fall from it.
She's most cautious on Dillard's, an apparel retailer that has been struggling with its margins and whose shares have run up 23% this year despite a lack of any real catalyst.
Dillard's Inc. ( DDS - news - people ) caters to middle- and upper-middle-income women, selling name-brand and private-label merchandise with a focus on apparel and home furnishings.
Mr. RANDY JOHNSON (Dillard's Bar-B-Que): My name's Randy Johnson.
Mr. LONG: Well, you know, that's an interesting ad because it's done there by Kurt Dillard who is a state senator from DuPage County which is the biggest Republican county in the state, really, and he used to be DuPage County Republican chairman.
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