What does Jow Forums think about the student loan crisis?
What does Jow Forums think about the student loan crisis?
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Not everyone should be going to college or university, if you cant afford it then dont go. If you put yourself into debt well to fucking bad
why is collage so expensive?
why they dont pay taxes?
why does most of the money go to the top administrative positions?
Play stupid games, win stupid prizes.
The market does a good job of telling people what degrees pay off/are worth it and give one enough money to pay their loans back.
Go into engineering or finance or something similar, or be smart enough to get lots of scholarships and minimize your loan debt, have a parent help pay, go to a cheaper trade school or get an apprenticeship, or just don't go to school immediately when you don't have enough funds.
Really this is simple stuff the fact that enough people are retarded enough to get trapped in it says more about them being stupid and financially incompetent than anything else.
The only option forward after the bubble bursts is to forgive student loan debt. Trump will probably do this in his second term.
I don't personally need a loan but thinking about going all in and picking up my debt free graduate degree. Fuck it, why not
its a trillion dollar debt that just might end up in default. That means the government (you and me) are on the hook for it
>The market does a good job of telling people what degrees pay off/are worth it and give one enough money to pay their loans back.
what did you major in?
job prospects can change dramatically in a few years
I paid off my student debt. Other dumbasses should too
-if you learn a shit major then congratulations you played yourself. Enjoy paying your feminazi degree with mcdonalds pay until you get replaced by a touchscreen.
-if you learn a good major then you should have no problems paying your student loands
-if you are an idiot then idk man maybe don't go university? Not everyone needs to be an engineer.
-university degrees can be considered as a corporate investment. Companies should be able to fund gifted students in getting their degrees then work for those comanies.
It's all part of the jewish master plan to have a precarious and obedient workforce, keep earning them sheckles, or your parents will get reposessed user.
out of all the tens of thousands of sets of amateur softcore photoshoots, why the fuck does this 8 years old fat jewess shit keep getting posted
I think pic is tangentially related, because it will be men who would bear the burden of women who have tied their own hands.
Daddy Trump gonna pay our student debt.
He's already working on pulling mil out of middle east and furlough non-essential gov employees. If he wins the war against the deep state there will be tons of cash in seized accounts from criminal public servants, soros, and off the books gov programs. Also, if he can audit the fed and weed out the corrupt (((bankers))) that will boost our economy. Anyone with student debt should be voting for daddy in 2020
If a bailout every happens and they don't get the degrees revoked i will flip
If people stop going they will lower their rates.
Stop giving single moms free rides and schools would be almost free.
i would give a kidney and my fucking left nut to be free of these fucking student loans.
MGot a decent full time job right out of school and its literally just enough to break even. i can pay my bills and rent and have like $20 for two weeks.
the fucking loans are through the roof, and variable interest rates, so i swear every month i have to pay a different amount, so i cant even autopay it and forget about it.
if i could save that student loan dosh, id be able to save money to find a better job and move away but no. instead i have to pay every fucking sent i have just so i can pay off a degree that wasted 6 years of my life and taught me shit i already know.
i would give so much to no longer have to pay this shit off.
Computer science
college is cancer and anyone who willingly goes there deserves the debt.
>the absolute state of royal toothpaste intellectuals
this
Should be abused to the max by re-instituting indentured slavery to punish those fucking usury-enablers.
>What does Jow Forums think about the student loan crisis?
((they)) realized that not everyone needs a college education and in their infinite wisdom tried to limit the number of graduates by increasing the cost. They reasoned that by raising the cost only the "right kind" of people would graduate from college. However ((they)) didnt realize that kids would rather go into debt on the chance at a good life than settle for a bad life without even trying.
>paying for university
lmao
It's a retard tax for retards. I know morons whoa re in debt over college working in god damn box factories who talk shit about the older people who they work with since they lack the self awareness to know they are failing to learn from their mistakes.
Money does not serve us anymore, we need to serve the money now. Paper hoax money is a pure control tool for them.
I'm halfway through my second year of law school. I'll be about $225K in the hole when I graduate.
Feeling optimistic about being able to pay it off.
Thought she looked familiar.
Also, education should be """free""" like in Western Europe.
It really shouldn't. It should be merit based, not "any retard with a high school diploma can waste everyone's money by enrolling in a class they aren't smart enough to learn."
Doesn't, and shouldn't, have to be like that. You get accepted into whatever you're capable of. Simple as.
The fact one student who is 18 can't study at the same University as another who is 18 even though they had the same grades is fkn gross shit. Equal opportunity seems like it'd benefit society exponentially more than the filthy fucking system upper corporate would prefer where only their cousins are accepted and only if they're fertile.
It’s another bubble created by the central bankers after people were too tapped out to create another housing bubble. Just another way of siphoning off peoples money to benefit the elites.
I dont even think some dumb kids should be allowed to go into middleschool.
Putting them their just wastes resources and ruins the experience for the kids that belong there.
You basically sacrifice the classroom enviornment to cater to the vanity of the parents of dumbfucks. Instead of telling them the truth about thier child's abilities they just deny reality and spread the lie that "every student can succeed"
Yeah, pretty much.
oh shit it's this thread again
>memeflag
>1 post by this ID
let me speak to your manager you lazy shill
More young ladies looking for daddies. Works for me.
It's a self correcting system.
>crisis
A bunch of retards financially ruining themselves to get lib arts degrees isn't a crisis. It's Darwinism.
What did you study?
I think college is a lot like marriage. You go into massive debt to have your balls cut off.
moar fat assed jews or outright downhome honky pussy ass
Your loan repayment is due
Omg! This is a crisis. I wanted to buy other shit
>crisis
A bunch of goyim financially ruining themselves and blaming Jews isn't a crisis. It's Darwinism.
She’s jewish user, look at the mouth set, ears and nose
you're welcome
How hard is it to work a summer job and to live within your means? I’m in my third year and still have no debt.
>Work a summer job
Ok, boomer. If you’re relying completely on loans, undergrad is around $20,000 a year at a state school
I think these babies shouldn’t borrow more than they can pay back.
yeh there's a buff jew recruiter i recently met (i think).... whatever he had a good science degree before the US market forced him into people skills... what can you say? we all have our strengths and weaknesses. ur calendar sucks i will cut ur heart out
lol what a joke, it’s like 10k here which is managable if you work construction
it seems you have a shitty way to enforce a permanent underclass - go buy $12 worth of corn for a dinner for two
cope
>Work construction
Not everyone speaks Spanish here
I like it. Forces many young hot American girls to do porn, so that depraved incels like me can defile them by wanking to their unwilling coitus.
Bump
>have a parent help pay
Yeah but what if your boomer parents back out on that promise after you graduate and rack up a shit ton of debt? Sucks to suck I guess.
Excellent way to cuck your whole country, raising the gap between the poor and the rich by only allowing the rich to be able to access to education and thus high paying job. Something only a retard or a jew would do to it's society.
i have too, but honestly i feel like i've lost my soul. i'm not working right now, i can barely get up
Mastrubation and porn is for losers
I will be livid if they are forgiven for people right after I pay mine off
Work a fucking summer job, maybe two, and campus during the semesters. Jesus Christ, institution and pell grant covers my tuition outright with a dribble of fees left over, which loans can cover. When I lived on campus, I’d pay about $1500 to pay the difference between full aid acceptance and tuition, which my tax return covered for the education credit, instant $1,000, plus fed income refund. I went to UH, left with hardly any debt, graduated a few years ago in accounting
Studying is an investment, if people are unable to pay their loans then it would appear that they invested poorly.
I should be able to get a full forgiveness because nobody told me in 2008 librarian would be basically the strict playground of nepotists and maybe 100 university jobs per year, I dare anyone to find a top 100 jobs list with librarian on it, how can I pay off these fucking loans when I can't even get a job and even if I did it would pay 12 an hour?
I know its my fault for not listening to the naysayers that said internet would replace libraries but its also their fault for making their degrees so fucking expensive, like how am I supposed to pay 50K with a office worker job anyway?
I swear that if I had a actual degree like MBA or doctor/nurse I would pay them off just give me a way out of this mess.
/rant
>What does Jow Forums think about the student loan crisis?
There is no student loan crisis. Just a bunch of dumb people who can't afford their babysitting bill.
If you say so. Feels great tho.
Dumb since college degrees are worthless anyway.
>Dumb since college degrees are worthless anyway.
People are mad that they found out how much it costs to live with no job, and a meal 3x a day. They may not have gotten a degree that was worth the paper it was printed on, but they sure didn't contribute to society in any meaningful way.
lol, look at your education system it's shit and was set up by the robber barons of the 19th century
Bump
Susceptible to Casting-couch porn jew
University education should be free and funded by the taxpayer. Hell, I'd go one step further and say people should actually be paid to attend univesity. However, this comes with the cavaeats that it should be far more competitive ith less than 10% of the current attendees being able to get a place, and with courses requiring 40 hours per week work instead of just being an excuse to drink and fuck all the time.
I don't know what the situation is like elsewhere, but here in the UK university is a huge fucking scam where we pay through the roof for a sub-par product. University strategy is to get as many chinks through the door as possible (as they pay even higher fees), and to deliver as few hours as possible in terms of teaching (to reduce staff costs). It's a huge fucking ponzi scheme mess, but we all have to do it if we want any sort of non-trade job.
>University education should be free and funded by the taxpayer.
Good, so it can be even more worthless, except now it is funded by tax payers. This is so dumb, that I would guess you to be a Canadian. If college was worth the investment, there wouldn't be a shit-ton of worthless fucks with worthless degrees now competing for minimum skill jobs. This is the same sort of stupidity that thinks that raising minimum wage to $15/hour will fix the nations problem with poor people.
>university is a huge fucking scam where we pay through the roof for a sub-par product.
This is the USA as well. Instead of teaching people how to think, they teach them what to think, and they are helped out in this retardation by unlimited resources provided by the state. The colleges will accept any retarded student so long as the loan disbursement goes through. When the loans don't get paid, who do you think pays for their education?
Tax payers already pay, because they are government guaranteed loans. This creates an inequality of stupidity. Now we have retarded people with degrees who think that without a degree you are stupid, but they still can't figure out how to repay their debts to society.
I worked as a collector of government guaranteed student loans for nearly 5 years. Once I figured out how the scam worked after moving around to a few departments, I quit. It is bad my friend. Really bad, and it is broken on every front. The colleges are shit, the quality of graduates is shit, and the system to allow students to attend without paying a cent is shit. I found a trade school that paid for my education because of everything I know. I would rather be a dumb construction worker with 10 finger than a retarded ass college "graduate" who doesn't know shit about how the world really works.
jaume go to sleep already. 2 fucking days straight posting redundant threads with the same jew thot as clickbait. Fuck off to tractoria
If you're dumb enough to take up loans to get indoctrinated at some Marxist college, then you deserve to be in debt for the rest of your life.
/thread
>Good, so it can be even more worthless, except now it is funded by tax payers
No, it would send a clear message that university is no longer a business, but rather a training scheme for serious academica (which is obviously a public good).
when you're a teenager you don't understand that, and society is telling you that you need an education. Then you graduate and realize it was a all a meme and you're 30k in debt, I don't think it's fair
there's a simple solution to the 'if everyone can get a degree than it's worthless' argument', and that's to make the entrance requirements harder, and also the courses harder. That way you still have to work your ass off, not to pay for it, but to complete the degree.
First year would be a shit test, where maybe 90% would fail out. That's fine, no harm lost to them, they can go do something else. Of course there will still be worthless arts degrees. but since they're free and worth nothing, nobody will bother with them. As it is, you need to pay for them so they're still seen as better than nothing. But if they're free and easy to complete, they will be rendered completely useless
This way, having a non meme degree means you worked hard for it, not that you paid thousands of dollars. With no student loan debt, the economy will improve. More money to spend = better economy
having to pay the debts that you owe is not a crisis.
University education has been used as less-offensive IQ test for employers to weed out unqualified candidates.
Because of that, university education has become subjected to the same problems IQ tests had in the past, i.e. niggers don't do very well.
So universities moved into the diversity racket, which turns out to cost a lot of money.
The government said, "let there be loans," which only served to increase what universities could charge, and therefore made more money available for diversity bullshit.
Now you need a BA to be a night-shift manager at a 7-11, universities are flush with cash, and the middle class is laboring under the weight of a trillion dollars of load debt.
The simple answer is to allow student loans to be included in bankruptcy filings. Overnight, the loan companies will discover how much less interest they're interested in charging and renegotiating their loan deals with borrowers.
This is so fucking simple, which is why you should be suspicious that it hasn't been implemented yet.
I hope this NEVER happens. Roasties and dumbfucks who do nothing but waste 4+ years deserve pain and suffering.
Hahahah i just bought a house and found some people to rent it. Idgaf.
Why should I care if somebody else has to spend $25,000 for "Womyn's Studies" major?
Is that what you do? Just go and get the same dubbs as the nigger above you.
Shameful check.
Get them while they're young and ignorant.
If they actually promised, sue them for promissory estoppel
If not, shouldn’t have taken the loan to begin with
I hope it gets worse. I am taking loans with little intent to pay them off. I'd rather them garnish my wages than willfully pay them.
I wish more people my age 1) took loans 2) never pay a penny towards them.
If (when) the bubble collapses (aka when the price of going to school far outweighs the possible return (getting close as is)) there might be a collapse that releases "us" from the (((fed))) and finally allows the USA to fall, and ethnic states to be formed from the ashes of the old country
That’s not how it works retard. You’ll end up paying more
>a training scheme for serious academica
College in the USA hasn't been that way for a long time. The problems started when schools ramped up bringing in state funding. It is nothing more than a profit making venture that just happens to have a football program for further income. Degrees are worthless from most schools. Any time the government shits out money, there will be terrible people doing anything they can to scoop it up, up to and including filling the heads of youth full of garbage. When David Hogg with a 1200 SAT score can get into an Ivy league school, you know the system is 100% totally broken. I don't know that there is fix at this point, but shutting off tax payer funded education would be a great start. Let the smart ones go for the good of society and let the rest try to figure it out. Why should I have to pay for some 90 iq brainlet to get a degree in "business and administration"? What fucking good is that to society. IF we as tax payers are FORCED to pay for it, it should only be for SPECIFIC roles that we need to have filled in an area. IF you know you need more nurses at the hospital, offer a free education until there is no longer a need...but will this drive down the wages? Yes, yes it would.
>and that's to make the entrance requirements harder
David Hogg got into an Ivy league school with a community college level score on his SAT. The system is totally broken. Students are brought in based on the color of their skin, not on the merit of their intelligence. (pic related).
College is a joke.
>IF you know you need more nurses at the hospital, offer a free education until there is no longer a need.
Another point with this I forgot, is that WHY can't the hospital pay for this education? Why don't more places offer apprenticeships? Why should post secondary education be passed off onto tax payers?
I hope it becomes unbearable, like the unbearable screeching of the idiots who took six figures out to learn gender's studies
>If they actually promised, sue them for promissory estoppel
Whoever signed the promissory note is the one that is financially responsible for the debt.
t. Former title IV loan rep/collector
Someone tell me, I go to the most liberal university (all staff and faculty MUST ask pronouns and so far five of my biology lectures have said "gender is a spectrum / nonbinary," full of Muslims and basedboys, etc), is STEM safe or will my degree be a laughing stock since it is from here? This university is rated pretty well for my major in this state.
>College in the USA hasn't been that way for a long time
Nor here, unfortunately. I don't know how things are like at Oxbridge, but I went to two other top 10 universities (for BSc and MSc) and the quality of the course and teaching were complete shit. I'm now at a shit university (not in top 50) doing a PhD, and it's a complete joke. I would have dropped out long ago, but it's funded approx twice the normal PhD stipend, so I'm just putting up with it and saving up the money. Feel like an academic fraud though. A serious system would see me doing 40 hours per week since I started my BSc, with proper supervision throughout (instead of lecture halls filled with 250 students, and once per team meetings with a director of studies). I'd be 50 times the academic I am now if that were in place
>hur dur i went to school for 6 years and i'm 100k in debt and no one will hire me with a masters in white privilege and feminism
cry me a river and drown yourself in it you over privileged brainlet
i dont fucking care
pay your debt, because that's what adults do
Wow lucky you.
I understand interest retard. I'm saying they'll never get the full amount because I simply won't earn enough over my lifetime to pay it off. At least not earn enough that they can garnish.
If enough people did this, it would be effective
Too many people are going to college.
This is actually the seeds of a national security issue. It will radicalize an entire generation and will provide Bernie/OAC a path to victory.. It must be solved.
Just don't be lazy or fell rushed. I had to wait until I was 23 to go to school. By that time, I had money saved, grew out of a lot of the bad habits so didn't get fucked up every night, and had an idea what I wanted to do.
I worked full time at a job that paid 8k a year for my tuition, while making a decent income. I'm about to graduate with my MBA now and I've taken out under 10k in loans between undergrad and graduate school. It'll all be paid off before I graduate anyway.
18 year olds don't understand the concept of future so they waste time and money, wait a few years to make major life decisions.
you should ask all the just above minimum wage kike shills who are paid to post their heeb propaganda on Jow Forums ,, there's no doubt they are all college grads with 50k in student debt lol!