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Posted: 12/18/2023 10:06:10 AM EDT
[#1]
Don't they have a year or something of an "on ramp", where missed payments don't count? If you tell a bunch of kids that they don't have to pay their payment, I really wouldn't be surprised if a large portion of them take you up on that.
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Posted: 12/18/2023 10:11:52 AM EDT
[#2]
Quote HistoryQuoted: I keep hearing how everyone was tricked / forced etc, into getting ANY degree, didn’t matter, which is bullshit. Why would you sign on for $25-$50-100 k in debt, for any degree WITHOUT researching the jobs that degree was useful for ? Because college education didn’t fuck people, getting stupid degrees, or attending expensive schools for degrees that only earned $30k a year did. A lot, maybe even most, people entering college today can't do that math. In the top 200, sure, but there are thousands of lesser colleges that will admit students who could care less if they can't afford it. Besides, Obama socialized college funding to make debt slaves out of millions of kids and it worked. Unwinding this evil plan will take decades and willpower that the Reps haven't demonstrated in years. |
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Posted: 12/18/2023 10:14:58 AM EDT
[#3]
I took advantage of the zero interest and paid them off last year. I could not talk my kids into doing the same thing. Millennials.
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Posted: 12/18/2023 10:15:15 AM EDT
[#4]
Quote HistoryQuoted: You bought a product, and fail to pay, product should be confiscated, you still owe, you don’t get refunds. Start doing that shit, where does it end? With one HUGE difference. If you screwed up and got yourself into too much debt, the bank was on the hook if you declared bankruptcy, so they were careful with the credit that they extended. With college loans, the government is on the hook and you can't declare bankruptcy. They OWN you. |
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Posted: 12/18/2023 10:19:21 AM EDT
[#5]
Quote HistoryQuoted: Maybe this is a good thing to force the entire college scheme into a reboot. |
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Posted: 12/18/2023 10:19:34 AM EDT
[#6]
Quote HistoryQuoted: With one HUGE difference. If you screwed up and got yourself into too much debt, the bank was on the hook if you declared bankruptcy, so they were careful with the credit that they extended. With college loans, the government is on the hook and you can't declare bankruptcy. They OWN you. Quote HistoryQuoted: Quoted: You bought a product, and fail to pay, product should be confiscated, you still owe, you don't get refunds. Start doing that shit, where does it end? With one HUGE difference. If you screwed up and got yourself into too much debt, the bank was on the hook if you declared bankruptcy, so they were careful with the credit that they extended. With college loans, the government is on the hook and you can't declare bankruptcy. They OWN you. |
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Posted: 12/18/2023 10:22:02 AM EDT
[#7]
some of the details are interesting:
Some 22 million borrowers had a payment due at some point in October, but roughly 8.8 million of them — 40 percent — had failed to make their payment by the middle of November, according to the Education Department. That’s a much higher rate of missing payments than the same stretch of time in the months leading up to the pandemic. About 26 percent of borrowers who owed a payment in October 2019 had failed to make their payment by the middle of the following month, a senior department official told POLITICO. 40% sounds bad, but not as bad when you realize it was 26% pre-covid. doesnt sound like a mutiny and this The new data shows, for the first time, that millions of borrowers are availing themselves of the flexibility that the Biden administration has offered borrowers, which officials have dubbed the “on-ramp” to repayment. As part of that policy, the Education Department will not report borrowers as delinquent to credit bureaus through the end of next September, though interest will continue to accrue on their debt. The department is also postponing the most drastic tools it has to collect debt, such as garnishing wages or seizing tax refunds and Social Security benefits. Those forbearance policies mean that most federal student loan borrowers will not be deemed delinquent on their debts, even if they don’t pay, until the end of 2024, several months after the presidential election. Borrowers would not default on their debts until fall 2025 at the earliest. https://www.politico.com/news/2023/12/15/forty-percent-of-student-loan-borrowers-missed-payments-in-october-00132062#:~:text=Some%2022%20million%20borrowers%20had%20a%20payment%20due,in%20the%20months%20leading%20up%20to%20the%20pandemic |
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Posted: 12/18/2023 10:23:21 AM EDT
[#8]
Quote HistoryQuoted: I took advantage of the zero interest and paid them off last year. I could not talk my kids into doing the same thing. Millennials. Which is what every single person should have done. They were handed the opportunity of a lifetime. |
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Posted: 12/18/2023 10:23:33 AM EDT
[#9]
Once they forced private lenders out of the student loan game, the fed was free to bury an entire generation in debt.
The schools and universities also grabbed the opportunity to increase tuition sky high. The government created this "debt crisis." I am blessed to be able to pay for my kid's college education. She will graduate with $0 debt....which I figure will put her ahead of 95% of people coming out of college. |
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Posted: 12/18/2023 10:24:12 AM EDT
[#10]
Quote HistoryQuoted: Well what kind of decisions do you expect from someone at 16/17 years old? Rational ones? Then add guidance counselors and teachers to the mix, telling these kids and their parents that they will be worthless if they don't get that college degree; regardless of what it's for. That's the kind of scenario that went down during my HS days back in the late 90s. It was the same spiel in the late 80's, too, yet kids made more sound degree decisions, graduated, and paid their loans back. We had personal accountability back then, though, and didn't feel or expect anything was owed to us. This new generation of self-entitlement, where everyone is to blame except themselves, is just insane and doesn't fly by me. |
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Posted: 12/18/2023 10:25:00 AM EDT
[#11]
Send the repo man for their college degree/diploma. Bust their credit score. Garnish their wages like child support. Thats about all you can do
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Posted: 12/18/2023 10:25:37 AM EDT
[#12]
Quote HistoryQuoted: I believe jug ears obama made it so big daddy .gov is the sole college loan provider. by design...now, they can "forgive" (i.e. pass along to those of us who did not make poor decisions) those loans in exchange for votes, or signal to people "don't pay" again in exchange for votes. Obama started this like many things. to the freeloaders taking their "loan forgiveness," you are not welcome. suck it. My tax rate all in (fed, state, local, etc) is almost half of what I make and I am or will be paying your college loan. This is precisely correct. The Student Aid and Fiscal Responsibility Act (SAFRA) was a rider in Obamacare that ended the Federal Family Education Loan Program (FFELP) and introduced the William D. Ford Federal Direct Student Loan Program (FDSLP), thus making the federal government the sole originator for all federal loans. Federal loans comprise the overwhelming majority of all student loan types (>90%). I genuinely appreciate the fact that you're aware of the takeover of the student loan industry by the Obama administration. Most people are oblivious. |
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Posted: 12/18/2023 10:26:40 AM EDT
[#13]
I checked mine the last 2 months and payment due was $0.
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Posted: 12/18/2023 10:28:22 AM EDT
[#14]
Every college marketing dept makes every prospective student feel like a degree from their program is a golden ticket. Upon graduation you’ll be like Tom Cruise in The Firm and have employers fighting over you and getting in bidding wars.
Not doubt these feminist majors are told their degree will be worth it as well. The school don’t care cause they got their money. If colleges themselves were loaning this money and had a financial stake in the success of their graduates then you can bet things would be different. |
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Posted: 12/18/2023 10:30:13 AM EDT
[#15]
Quote HistoryQuoted: With one HUGE difference. If you screwed up and got yourself into too much debt, the bank was on the hook if you declared bankruptcy, so they were careful with the credit that they extended. With college loans, the government is on the hook and you can't declare bankruptcy. They OWN you. Quote HistoryQuoted: Quoted: You bought a product, and fail to pay, product should be confiscated, you still owe, you don’t get refunds. Start doing that shit, where does it end? With one HUGE difference. If you screwed up and got yourself into too much debt, the bank was on the hook if you declared bankruptcy, so they were careful with the credit that they extended. With college loans, the government is on the hook and you can't declare bankruptcy. They OWN you. Yeah, about that. How did that go with people buying houses they couldn't afford, banks who lent them money with little to no credit or earning history and the homeowners walking away or getting evicted? Did the banks get hurt at all? Or, did the rest of us, the US taxpayers, bail their asses out and make sure all those CEO's and bank management types got paid, their bonuses covered, and their losses turned into our debt? |
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Posted: 12/18/2023 10:31:03 AM EDT
[#16]
Students paying their student loans means less money into the economy and weaker stock performance. By not paying on their loans, that money flows into the economy and results in stronger earnings and stocks. Why would we want consumers to have to pull back on consumption just because of some previous liabilities? If you want a stronger stock market, then you should be happy these borrowers aren't paying, and hopefully never will. Run bull run
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Posted: 12/18/2023 10:32:20 AM EDT
[#17]
Quote HistoryQuoted: Students paying their student loans means less money into the economy and weaker stock performance. By not paying on their loans, that money flows into the economy and results in stronger earnings and stocks. Why would we want consumers to have to pull back on consumption just because of some previous liabilities? If you want a stronger stock market, then you should be happy these borrowers aren't paying, and hopefully never will. Run bull run just imagine if everyone stopped paying their mortgages or even car notes how good the stock market and the economy would be. |
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Posted: 12/18/2023 10:32:23 AM EDT
[#18]
My ex never paid a red cent on any of her student loans. Then when she got booted from the Army, tax man came a calling and collected my tax returns for a number of years in her behalf.
So glad that chapter of my life is over... |
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Posted: 12/18/2023 10:32:34 AM EDT
[#19]
Quote HistoryQuoted: But then colleges wouldn't make billions of dollars... I ordered a catapult online, you call that Mr. Fix it guy to come and assemble it and we will show that college!!! |
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Posted: 12/18/2023 10:34:51 AM EDT
[#20]
Quote HistoryQuoted: Well what kind of decisions do you expect from someone at 16/17 years old? Rational ones? Then add guidance counselors and teachers to the mix, telling these kids and their parents that they will be worthless if they don't get that college degree; regardless of what it's for. That's the kind of scenario that went down during my HS days back in the late 90s. Quote HistoryQuoted: Quoted: Quoted: Normally I'm a "Pay your debts and don't be a shithead" kind of guy. But college admissions kind of turned into a meat grinder for kids starting with my generation. We were told by guidance counselors from the time we entered 7th grade that you have to go to college to amount to anything. Doesn't matter what the degree is, just that you need one. You know how many people basically got conned into paying for something that is useless to them? It's absurd. A big chunk of my class entered college for liberal arts or business administration, very few of those kids finshed, but still owed 10's of thousands. Yeah yeah, they signed the paper, but they were told for years that if they didn't then they would grow up to be a loser and be living under a bridge somewhere....fuck the system that pushed so many kids into debt for their own benefit. The people that told them they needed to go should have been telling them that they aren't college material and they need to consider entering the work force immediately so they can build some marketable skills. College admissions should be tough, and picky, and the kids entering should want to be there, not coerced into being there. I don’t feel sorry for idiots that took out loans for useless degrees. Being stupid should hurt. Well what kind of decisions do you expect from someone at 16/17 years old? Rational ones? Then add guidance counselors and teachers to the mix, telling these kids and their parents that they will be worthless if they don't get that college degree; regardless of what it's for. That's the kind of scenario that went down during my HS days back in the late 90s. The thing is, up until the '08 market crash, the whole "you just need a degree" thing was somewhat true. I graduated in '05, and had a number of friends with somewhat generic degrees, but went to a school with good connections at least on the East Coast DC-NYC-Boston Business corridor. Lots of people got jobs with whatever degree combined with school, friend and family connections, they just needed the slip of paper. I think that dried up a lot after 2008, but the lie that you just need a degree, any degree, intensified. That's when the job postings started asking for 3-5 years experience for an entry level position. And the colleges and guidance counselors ate it up. Do the kids who were lied to (really, it's fraud on the part of the universities) have a point about not wanting to pay the student loans? Yeah, I think they do, but they're going after the wrong people. The government (ie, us and our tax dollars) shouldn't be paying them off, the universities are the ones who made fraudulent claims and stole their money. Make the schools pay the loans back. They have huge endowments, plenty of money for new buildings and massive beauracracy. Having the government pay or forgive the loans isn't going to do anything to fix the system. Go after the schools, they're the ones who benefited and have the money. |
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Posted: 12/18/2023 10:35:07 AM EDT
[#21]
Quote HistoryQuoted: Once they forced private lenders out of the student loan game, the fed was free to bury an entire generation in debt. The schools and universities also grabbed the opportunity to increase tuition sky high. The government created this "debt crisis." I am blessed to be able to pay for my kid's college education. She will graduate with $0 debt....which I figure will put her ahead of 95% of people coming out of college. |
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Posted: 12/18/2023 10:36:44 AM EDT
[#22]
Quote HistoryQuoted: My ex never paid a red cent on any of her student loans. Then when she got booted from the Army, tax man came a calling and collected my tax returns for a number of years in her behalf. So glad that chapter of my life is over... SIL just never paid. Ended up divorced, she worked menial jobs, and had two kids. The .gov was going to pay out more in a tax return than she seemingly earned. They just took a chunk of that and paid the loans with it. When she finally had them paid off she went out and got a "real" job and took care of herself. Now she can't figure out why one of her sons won't pay. Well lady, I found your problem. |
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Posted: 12/18/2023 10:37:52 AM EDT
[#23]
Pedo Joe is going to look the other way with a nod and a wink to all his vOteRs!
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Posted: 12/18/2023 10:37:59 AM EDT
[#24]
Quote HistoryQuoted: Why would you sign on for $25-$50-100 k in debt, for any degree WITHOUT researching the jobs that degree was useful for ? Because college education didn't fuck people, getting stupid degrees, or attending expensive schools for degrees that only earned $30k a year did. I figured this out at 18 years old, in the infantry, when my high school girlfriend went to UK for a fine arts degree . To become a museum curator. 5 minutes of thinking told me her chances were about zero, and last I heard she was baby sitting kids in her house for a living 35 years later. While a nursing degree, engineering degree, x 100 others etc would have gotten her a solid decent USEFUL job lickity split. Meanwhile, my dumbass , highest education of high school, serving in the military , was fully retired by 38 years old, and enjoying life fully since 2012. It's cool that you're the exception to that rule, but otherwise that's just the reality of way too many high school graduates. Higher education is not for everyone, we all know that, but those dudes in their final year of high school don't know that. They're groomed and indoctrinated by their parents, school administrators and social media to think that after high school, the next stop is college with no other options, not the military, trade schools, ain't nobody got time fo dat, you need a four year degree to succeed. With that I think that's why a lot of kids choose stupid degrees. Dudes who don't really want to be there but they're told that they've got to be there, they figure "well, might as well choose something I enjoy and I'm interested in," even when that ain't always the most practical or beneficial choice in the long term. So they graduate four years later with a BA in Chia Pet Growth and Development and are shocked that they can't find a fucking job, they're $75K in debt and the juice starts on that bill as soon as those graduation caps hit the ground. I ain't saying that people who get stupid degrees and don't pay their student loans are innocent, but at the same time in many cases I think the deck was stacked against them. |
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Posted: 12/18/2023 10:39:25 AM EDT
[#25]
Or they could do some kind of service like I did and the army paid off my student loans.
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Posted: 12/18/2023 10:40:54 AM EDT
[#26]
Quote HistoryQuoted: Why would they? Between personal responsibility dying, everyone being too special to rules applying to them, and government saying they will forgive all student loans, why would they pay? If I ran shit, defaulting on student loans would result in revoking their degree from their college transcripts as if it never existed as part of the debt collection process. Losers cry about not affording loan payments/ their degrees useless, but their entire identity is wrapped around being college educated, and that degree. Employer… miss smith, says here you only have a high school education. Miss smith… um, no, I went to university of Indiana, majored in women’s rights, with minor in feminist studies. Employer… we contacted the university of Indiana, they claim they have no records of you ever attending. We frown on lying on resumes miss smith, good day ! University of Indiana, how can I help you ? Oh, you must be behind on your student loans, your transcripts are pulled from view until your payments are current, any employer will only see your high school educated only. Click. Damn fine idea there. That whole "actions have consequences" and defaulting on a contract and loan has consequences thing. I remember the $50. (and later slightly more) being auto drafted from our account going to a 529 plan for 15 years. That hurt some months early on when we was poo, but I never cancelled it. It was amazing how then later we were able to pay for college for our son- not Harvard mind you, but not saddling him with it either. And yes the "you have to go to college" crap is very overrated and SEVERAL generations were sold that bill of shit (Gen X here). But even 30 years ago we had retards angling for degrees in "Oceanography" and "Environmental Studies", we joking called them "Underwater Basket Weaving" and the like. You saw those kids working the C store years later cause they couldn't do anything with those ridiculous degrees. Meanwhile the kids that got into medical, business admin, etc. and other practical things found jobs easily. |
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Posted: 12/18/2023 10:42:19 AM EDT
[#27]
Quote HistoryQuoted: This thread reminded me to pay it. I usually get a notification about it via email and snail mail. I just checked and I didn't get jack shit. I just paid it but it was almost like they don't want me to pay. Wonder if that was incompetence or by design on the part of .gov ??? |
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Posted: 12/18/2023 10:42:36 AM EDT
[#28]
Quote HistoryQuoted: Garnish their wages then. Taxpayers cannot be placed on the hook for the poor decisions of themselves and their parents. Is college a racket? Often times, yes. Often, no. Just a moment of thought should be all it takes to weigh the cost / benefit of many degrees. $200k at a private school for a woke studies degree that might let you earn $30k/year at Starbucks = horrible, horrible choice, for example. In no sane world should I, or any other taxpayer be on the hook for that. What do they want next? Free housing off my labor? UBI, off my wages? EBT? On and on. That's communism. Not happening. For all the people saying they were stupid and got a degree and now don't feel obligated to pay for it . There are other kids that knew they couldn't pay for college and didn't get a degree and now paying for the degree of someone else. My plan was to work out of high school and save for college, then go. With hands on experience in mining. Didn't work out that way though. |
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Posted: 12/18/2023 10:53:26 AM EDT
[#29]
Quote HistoryQuoted: This. I wasted so many good years chasing a piece of paper I never wanted, cared about, and ironically, don't even use today. That college degree stopped mattering somewhere in the 80s as best I can tell. Quote HistoryQuoted: Quoted: Normally I'm a "Pay your debts and don't be a shithead" kind of guy. But college admissions kind of turned into a meat grinder for kids starting with my generation. We were told by guidance counselors from the time we entered 7th grade that you have to go to college to amount to anything. Doesn't matter what the degree is, just that you need one. You know how many people basically got conned into paying for something that is useless to them? It's absurd. A big chunk of my class entered college for liberal arts or business administration, very few of those kids finshed, but still owed 10's of thousands. Yeah yeah, they signed the paper, but they were told for years that if they didn't then they would grow up to be a loser and be living under a bridge somewhere....fuck the system that pushed so many kids into debt for their own benefit. The people that told them they needed to go should have been telling them that they aren't college material and they need to consider entering the work force immediately so they can build some marketable skills. College admissions should be tough, and picky, and the kids entering should want to be there, not coerced into being there. This. I wasted so many good years chasing a piece of paper I never wanted, cared about, and ironically, don't even use today. That college degree stopped mattering somewhere in the 80s as best I can tell. They don't teach math and critical thinking in school anymore?? Do these kids that were taken advantage of not have parents for guidance?? The colleges certainly share some of the blame, but at the end of the day nobody had a gun to their head. Life is full of choices, the idiots continue to make poor choices and then fail to learn from said poor choices. In the late 90's when I went for a time, I worked fulltime construction and managed full loads with no loans. |
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Posted: 12/18/2023 12:09:41 PM EDT
[#30]
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Posted: 12/18/2023 12:13:46 PM EDT
[#31]
Empty Degrees
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Posted: 12/18/2023 12:16:38 PM EDT
[#32]
Quote HistoryQuoted: They don't care and nothing will be done. |
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Posted: 12/18/2023 12:25:55 PM EDT
[#33]
Quote HistoryQuoted: Maybe this is a good thing to force the entire college scheme into a reboot. Death of dollar will see the decline in many colleges especially the private for profit ones. Weimar saw professors laid off b/c there were no students. Said professors were selling apples and pencils or manual labor since they weren't skilled (you generally entered apprenticeship at 16 in Germany) and couldn't just walk into the trades. The good thing is all the silly programs (women/gender studies, minority studies, art & art history, eng lit, hist., poly-sci, econ, DANCE) all go away and useful stuff (STEM) will survive. You don't need a degree to do things (especially code). |
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Posted: 12/18/2023 12:30:03 PM EDT
[#34]
Quote HistoryQuoted: I keep hearing how everyone was tricked / forced etc, into getting ANY degree, didn't matter, which is bullshit. Why would you sign on for $25-$50-100 k in debt, for any degree WITHOUT researching the jobs that degree was useful for ? Because college education didn't fuck people, getting stupid degrees, or attending expensive schools for degrees that only earned $30k a year did. I figured this out at 18 years old, in the infantry, when my high school girlfriend went to UK for a fine arts degree . To become a museum curator. 5 minutes of thinking told me her chances were about zero, and last I heard she was baby sitting kids in her house for a living 35 years later. While a nursing degree, engineering degree, x 100 others etc would have gotten her a solid decent USEFUL job lickity split. Meanwhile, my dumbass , highest education of high school, serving in the military , was fully retired by 38 years old, and enjoying life fully since 2012. You can make bank running a daycare from your home. |
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Posted: 12/18/2023 12:34:05 PM EDT
[#35]
Quote HistoryQuoted: Wonder if that was incompetence or by design on the part of .gov ??? If someone doesn't pay, what's the worst case scenario? |
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Posted: 12/18/2023 12:42:04 PM EDT
[#36]
Some people are going to find out about wage garnishment.
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Posted: 12/18/2023 12:46:43 PM EDT
[#37]
Quote HistoryQuoted: It was the same spiel in the late 80's, too, yet kids made more sound degree decisions, graduated, and paid their loans back. We had personal accountability back then, though, and didn't feel or expect anything was owed to us. This new generation of self-entitlement, where everyone is to blame except themselves, is just insane and doesn't fly by me. Quote HistoryQuoted: Quoted: Well what kind of decisions do you expect from someone at 16/17 years old? Rational ones? Then add guidance counselors and teachers to the mix, telling these kids and their parents that they will be worthless if they don't get that college degree; regardless of what it's for. That's the kind of scenario that went down during my HS days back in the late 90s. It was the same spiel in the late 80's, too, yet kids made more sound degree decisions, graduated, and paid their loans back. We had personal accountability back then, though, and didn't feel or expect anything was owed to us. This new generation of self-entitlement, where everyone is to blame except themselves, is just insane and doesn't fly by me.  personal accountability? Are you serious Clark? The early 2000’s and late 90’s had Boomers telling high school kids that if they didn’t get a degree they’d be equivalent to that Homeless Wino in city park forever. We made movies lampooning this pressure. You expect teenagers to not take adults seriously on that kind of pressure? You also expect colleges not to ramp up degree costs when the war being handed free money from the Feds from a guaranteed income stream? Let’s be honest this isn’t “them durn Millenialz” it’s an entire system like the War on Poverty that has failed. |
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Posted: 12/18/2023 12:50:22 PM EDT
[#38]
They "know" that the loans will be forgiven because FJB has promised it.
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Posted: 12/18/2023 12:50:31 PM EDT
[#39]
Quote HistoryQuoted: I bought a 100K duelie, I needed a Civic but got talked into this, I'm not going to pay because I think I got screwed and it's not ''fair.'' Quote HistoryQuoted: Quoted: Normally I'm a "Pay your debts and don't be a shithead" kind of guy. But college admissions kind of turned into a meat grinder for kids starting with my generation. We were told by guidance counselors from the time we entered 7th grade that you have to go to college to amount to anything. Doesn't matter what the degree is, just that you need one. You know how many people basically got conned into paying for something that is useless to them? It's absurd. A big chunk of my class entered college for liberal arts or business administration, very few of those kids finshed, but still owed 10's of thousands. Yeah yeah, they signed the paper, but they were told for years that if they didn't then they would grow up to be a loser and be living under a bridge somewhere....fuck the system that pushed so many kids into debt for their own benefit. The people that told them they needed to go should have been telling them that they aren't college material and they need to consider entering the work force immediately so they can build some marketable skills. College admissions should be tough, and picky, and the kids entering should want to be there, not coerced into being there. I bought a 100K duelie, I needed a Civic but got talked into this, I'm not going to pay because I think I got screwed and it's not ''fair.'' Did anyone you love or trust tell you not to do that though? Or were they encouraging you for years? |
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Posted: 12/18/2023 12:51:16 PM EDT
[#40]
Boomers: We need better teachers for out kids
Boomers: Dont go to college and pay for a degree that you won't make any money with Boomers: teachers shouldn't make too much, they only work half the year Boomers: why can't we find any good people to teach |
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Posted: 12/18/2023 12:53:52 PM EDT
[#41]
Quote HistoryQuoted: They don't teach math and critical thinking in school anymore?? Do these kids that were taken advantage of not have parents for guidance?? The colleges certainly share some of the blame, but at the end of the day nobody had a gun to their head. Life is full of choices, the idiots continue to make poor choices and then fail to learn from said poor choices. In the late 90's when I went for a time, I worked fulltime construction and managed full loads with no loans. Quote HistoryQuoted: Quoted: Quoted: Normally I'm a "Pay your debts and don't be a shithead" kind of guy. But college admissions kind of turned into a meat grinder for kids starting with my generation. We were told by guidance counselors from the time we entered 7th grade that you have to go to college to amount to anything. Doesn't matter what the degree is, just that you need one. You know how many people basically got conned into paying for something that is useless to them? It's absurd. A big chunk of my class entered college for liberal arts or business administration, very few of those kids finshed, but still owed 10's of thousands. Yeah yeah, they signed the paper, but they were told for years that if they didn't then they would grow up to be a loser and be living under a bridge somewhere....fuck the system that pushed so many kids into debt for their own benefit. The people that told them they needed to go should have been telling them that they aren't college material and they need to consider entering the work force immediately so they can build some marketable skills. College admissions should be tough, and picky, and the kids entering should want to be there, not coerced into being there. This. I wasted so many good years chasing a piece of paper I never wanted, cared about, and ironically, don't even use today. That college degree stopped mattering somewhere in the 80s as best I can tell. They don't teach math and critical thinking in school anymore?? Do these kids that were taken advantage of not have parents for guidance?? The colleges certainly share some of the blame, but at the end of the day nobody had a gun to their head. Life is full of choices, the idiots continue to make poor choices and then fail to learn from said poor choices. In the late 90's when I went for a time, I worked fulltime construction and managed full loads with no loans. What year did you graduate high school? I don't think you understand how it was in the late 90's and early 2000's....we were told from everyone older than us that you needed to go to college. I think a lot of parents firmly believed that it was the path to being a successful adult, but when the school is telling you the same then you start to think "Jeez, maybe I should go to college so I'm not a loser". |
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Posted: 12/18/2023 12:56:50 PM EDT
[#42]
Quote HistoryQuoted: personal accountability? Are you serious Clark? The early 2000’s and late 90’s had Boomers telling high school kids that if they didn’t get a degree they’d be equivalent to that Homeless Wino in city park forever. We made movies lampooning this pressure. You expect teenagers to not take adults seriously on that kind of pressure? You also expect colleges not to ramp up degree costs when the war being handed free money from the Feds from a guaranteed income stream? Let’s be honest this isn’t “them durn Millenialz” it’s an entire system like the War on Poverty that has failed. Quote HistoryQuoted: Quoted: Quoted: Well what kind of decisions do you expect from someone at 16/17 years old? Rational ones? Then add guidance counselors and teachers to the mix, telling these kids and their parents that they will be worthless if they don't get that college degree; regardless of what it's for. That's the kind of scenario that went down during my HS days back in the late 90s. It was the same spiel in the late 80's, too, yet kids made more sound degree decisions, graduated, and paid their loans back. We had personal accountability back then, though, and didn't feel or expect anything was owed to us. This new generation of self-entitlement, where everyone is to blame except themselves, is just insane and doesn't fly by me. personal accountability? Are you serious Clark? The early 2000’s and late 90’s had Boomers telling high school kids that if they didn’t get a degree they’d be equivalent to that Homeless Wino in city park forever. We made movies lampooning this pressure. You expect teenagers to not take adults seriously on that kind of pressure? You also expect colleges not to ramp up degree costs when the war being handed free money from the Feds from a guaranteed income stream? Let’s be honest this isn’t “them durn Millenialz” it’s an entire system like the War on Poverty that has failed. Ha....they did make movies about it. Remember Accepted? It was basically Camp Nowhere but for college. 
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Posted: 12/18/2023 12:56:55 PM EDT
[#43]
Quote HistoryQuoted: I keep hearing how everyone was tricked / forced etc, into getting ANY degree, didn’t matter, which is bullshit. Why would you sign on for $25-$50-100 k in debt, for any degree WITHOUT researching the jobs that degree was useful for ? Because college education didn’t fuck people, getting stupid degrees, or attending expensive schools for degrees that only earned $30k a year did. I figured this out at 18 years old, in the infantry, when my high school girlfriend went to UK for a fine arts degree…. To become a museum curator. 5 minutes of thinking told me her chances were about zero, and last I heard she was baby sitting kids in her house for a living 35 years later. While a nursing degree, engineering degree, x 100 others etc would have gotten her a solid decent USEFUL job lickity split. Meanwhile, my dumbass , highest education of high school, serving in the military , was fully retired by 38 years old, and enjoying life fully since 2012. This may be a shock, but career field prospects change with time and a good career path in 2000 may be a dead one in 2010. |
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Posted: 12/18/2023 12:58:17 PM EDT
[#44]
I really wonder what those who dont pay this think the end game is? Do they believe that if they all refuse to pay the gov is just going to forgive the loans?
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Posted: 12/18/2023 1:01:43 PM EDT
[#45]
Quote HistoryQuoted: They don't teach math and critical thinking in school anymore?? Do these kids that were taken advantage of not have parents for guidance?? The colleges certainly share some of the blame, but at the end of the day nobody had a gun to their head. Life is full of choices, the idiots continue to make poor choices and then fail to learn from said poor choices. In the late 90's when I went for a time, I worked fulltime construction and managed full loads with no loans. See my reply to the other guy. It’s funny, my dad came from Depression era parents, didn’t have much, worked at a very young age and built himself up to be worth a pretty penny. He was very much in favor of a degree as it actually mattered then. He passed on his life experience without expressing the other side of the coin. Do I fault him? Yes and no. He was doing the best he could, but he left out the whole other side of the workforce that wasn’t white collar. Im not a white collar guy, but I was guided into that world. I know this is GD, but things aren’t as simple as your analysis. I’m happy you found a viable path to happiness early on, most don’t. |
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Posted: 12/18/2023 1:03:20 PM EDT
[#46]
Quote HistoryQuoted: I’m fine with this. I’m not siding with anyone, but I will enjoy watching all parties duke it out. I’m not sure what outcome would be the most satisfying. The actual outcome will be all of us paying all of their loans. |
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Posted: 12/18/2023 1:11:11 PM EDT
[#47]
Quote HistoryQuoted: When the fucking government from the president on down is saying they don't have to why should they? Just like immigration laws. |
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Posted: 12/18/2023 1:12:28 PM EDT
[#48]
I wouldn’t say that I got tricked into things, but I also would say that the system is pretty sham.
I went to school on the old GI bill that only paid a portion of your fees. I got a two year degree and my transfer options were limited. I transferred to a different state and started a 4 year program that told me what classes they would accept as transfer classes. About 6 months into it they lied and required me to take classes that they previously said they would accept. I got pissed and went to another school. They had me repeat some classes but not as many. I ran out of money at year 7 (in total) and I would have had to wait another year for a class that was only offered in the spring and it was a year long. I decided to go to work instead and have been paying my loans ever since. Some cases I took and passed the same class 3 times all with the same books because they wouldn’t transfer. Looking back I think what an idiot I was, but they also grifted me. These were all state schools, not private. I also think that the public service loan forgiveness plan is bullshit and the system is set up for low income earners to get their loans paid off which is a bunch of BS. |
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Posted: 12/18/2023 1:13:22 PM EDT
[#49]
Quote HistoryQuoted: If someone doesn't pay, what's the worst case scenario? That depends on which party is in power. Biden and the liberal left, you will get free smartphones and internet. With a fiscally responsible government, they will take your tax refunds, garnish your salary and seize your savings. |
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Posted: 12/18/2023 1:15:21 PM EDT
[#50]
Another financial bubble created by the Boomers and their reckless financial policies that brought us things like the 2008 financial crisis.
The U.S. economy as it stands today is not sustainable. We're heading towards absolute societal ruin. |
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