Took out loans to go to school with the goal of becoming a professor because I like teaching and it was a meme degree

>Took out loans to go to school with the goal of becoming a professor because I like teaching and it was a meme degree.
>Actually get to that goal, now make $71,500 a year, wife makes $30,0000.
>Pay off my loans faster than I'm required to. $15,000 a year. (Total was $150k.)
>The total has gone UP due to interest.
Yeah, no. Now I pay an absolute minimum. I'd gladly pay it back, but with this interest, I'm wasting my time, I'll never get it to 0. Just bought a 2017 Lincoln MKZ with the massage seat package instead. By the time I DO pay back the $150k I owe them, I'm guessing I'll probably owe them ANOTHER $90k. No fucking way. Fuck this country, fuck usury.

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there are two kinds of people
1. those who know how compound interest work
2. those who pay compound interest

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Take the loan and refinance to a different Jew and get a better interest rate. Also, stop buying new cars, idiot.

>Worked fucking hard and took out no loans in my undergrad.
>Wasn't an idiot and graduated with two in demand bachelor's degrees.
>Land dope job with defense contractor.
>They pay for a portion of masters degree, make enough so no loans still.
>Finish masters in October, no debt

People are pathetic.

Everyone who has student loans should stop paying them immediately and collapse the entire system. But then again, the hooknoses in Congress and the Senate might try to bring back debtor's prisons.

>take out high interest loan for uni
>when its all done and u have a solid job, don't take out new loan from other group with low interest rate to pay for other loan while getting better loan with low interest, using the current job and solid financial status as proof etc
>complain about high interest
???

>be an idiot.
>pay for a shitty college degree.
>We wuz pro-fessors n' sheeit.
>Sheeeeitt!
Yeah.

fpbp

>teacher

Dumb cuck, I paid back 160k in federal student loans and 14k in credit card debt in four years flat. Should’ve gone to law school instead of taking the meme degree route.

what is your interest rate?

>Be me file taxes
>In a shit ton of debt
>Jew boss comes up to me 2 months later
>Says they've received a garnishment order
>Tell him I cannot afford it
>He says he will take care of it..but don't file taxes or else company could get in trouble
>I'm ghost employee now.
>Still receive payroll check. Just no garnishment
No idea what he did. My guess is he told the IRS I don't work there. I guess Jews are alright sometimes

Fuck you boomer larper

>2017
>new

good job paying the minimum payment

Thank Joe Biden for making student loans impossible to discharge. He was behind this with other obvious bad actors.

>i didn't read the fine print now I'm fucked

probably shouldn't have gone to a university without a full ride. I mean, if you can't find someone to fund your education, you probably don't NEED one.

>reee why won't people give me money for FREEEEEEE!

What the fuck would be the incentive of lending people money without interest? Idiots shouldn't bite off more than they can chew.

lmao rekt
>get in debt for that degree goyim
>don't worry you'll make so much you can pay it back in no time

>lower middle class
>go to a large, cheap state school with help from scholarships
>get in-demand degree
>get job and pay back ~$10k in loans in a year
It's really not hard if you want to go to college and get a degree to advance your career/life. They hand them out like candy these days anyway. However OPs example is a classic example of the saying "being poor and stupid is expensive"

anyone who defends jewish chattel debt slavery of student loans is a fucking jew or a retarded boomer. really instead of mass forgiving them the government should just make all existing loans at cost if people are way underwater or 1% max

you can go to a state school, and get federal grants and state grants (not loans) most places in the u.s. and you can get a fedearl loan with low interest for the rest.
since state schools are cheap you can get out with no or very little debt. anything past a b.a./b.s. should be fully funed though you are right

Being a ghost employee has more disadvantages

If you can get away with repaying compounded interest very quickly, it isn't bad. But it's a huge risk to take when that means tens of thousands in a short timeframe.
Law school is saturated, landing a job after graduation isn't as easy as having a degree

college is free though

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How about don't do step 1....

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Lol

>give everything you have to others
>file for bankruptcy
>everything you currently own will be sold to solve the credit, except for the items protected by law
>even if everything you have isn`t nearly enough, after the bankruptcy is done, you are now clean. even tough you can`t open a business for a few years
>???
>start your life anew
Why wouldn`t this work in USA? In your laws you are not solvent after bankruptcy lawsuit, or civilians can`t file for it?

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You just described your whole island.

This. Slightly above-average grades can get you a full ride at some schools

Should there be a mandatory financial literacy test before people are able to apply for loans of any type? Like how can people so stupid to fuck themselves over by agreeing to loans with ludicrous interest.

I would imagine the whole higher education system would prolly shit their pants if that were the case.

No one is defending jews. But we're still calling the retarded retarded.

>everyone else is a jew
Look you dumb cunt. If you're smart enough to make it though college, then that means you had to take at least two math classes. If you can't fucking figure out how interest works, then you deserve the crushing debt for being a lazy brainlet fuck.

How did you become a professor without being a left wing commie freak?

you cant get rid of student loan debt

Don't buy things you can't afford cuck. Go to a community college for the first two years for literally 1/10 the price. Don't blame the system, blame your parents for being idiots and telling you it's a good idea to go 150k in debt and sending you to an expensive as fuck college.

please reply to my satan digits question op

Judaism.
Jews are forbidden from usury in dealing with fellow Jews, and this lending is to be considered tzedakah, or charity. However, there are permissions to charge interest on loans to non-Jews.

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She quit a good paying job in a low cost of living area to move to California (high cost) to become a professional SJW.

did you buy the car on credit?

>teaching
>$71,500
That's a good salary for a teacher. I would think you'd have to work in a university position for a long time to get to that. I thought most teaching jobs were like 35k with 50k being the high end.

Reminder to all the new people here and the fools who are unawares:

Threads like this are creted fr the sole purpose of demoralization. They are well designed by one or more groups to target our insecurities and weaknesses, as well as to sow divisiveness among the board. While issues with usury are a certainty, never forget none of us would actually make a thread like this, as it is gay as fuck. Do not respond to these threads unless you intend to make a post like mine.

We are being observed.
We are being experimented on.
We are being attacked.
We are at war.

Heil fucking Hitler!

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Dont go into debt in the first place retard. Your solution is

>take out a loan
>take out a loan to get out of the first loan

And during that time youve gotten a loan for a car and taken out a mortgage for a house...PEOPLE LIKE YOU are the reason financial institutions can pull the shit that they do.

He's larping. Bitcoin didn't exist 20 years ago.

to get federal grants or loans you actually have to take a 30 minute online course

Student loan debt can't be forgiven, you're stuck as a slave to the jew debt forever.

Why the FUCK have you not joined this server yet?
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Plh

You cant get away from every expense by filing for bankruptcy. Student loans are one. This is because nobody has collateral assets for a student loan, they cant repo your education, also probably a lot of people would declare upon graduation to start fresh.
Student loans only exist because the gov gives them out and they are not discharged in bankruptcy.

Professors start at 6 figures a year.

t. nigger

bankruptcy won't touch a single dollar of student loan debt in america. because if it could, there would be an enormous number of bankruptcies filed for student debt alone. which tells you everything you need to know about how stupid the debtors are and how predatory the creditors are.

>I'm gonna go to college because I'm smart and want a smart person job.
>but I'm poor and need a laon
>someone will give me a loan? Cool!
>what do you mean intrest rates?! No one told me about this

Sure am glad I didn't go college and still managed to end up as a network admin with a house, two cars, a stay at home wife and a son at 26 years old.

As I remember it, they sit you down with some desk jockey who's supposed to aid you in playing with the loans and grants. Most likely these jokers half-ass, or deliberately, screw these students and said dummies don't proof read what they're signing.
I imagine these goofs even walk out of the office and let the jockeys handle the entire thing.

dad was a shipwright, amongst other stuff, two brothers are also carpenters, and I worked as commercial carpenter for about four years doing my apprenticeship ... so i grew up around alot of construction stuff, and ddint actually start my own business until I was about 28
but im in forties now, and have all but retired

you know what i been doing lately for easy money .... taxes, peoples taxes. i got so good at doing my own, my friends started asking me to do thiers, and I found I had a real knack for it
and they pay in cash. i have about 70 clients now that I do, as well as several business ... so whats called T2's in canada, or corporate tax returns. i make as much as 1400$ doing even a simple T2, and ussually charge 100$ for a simple T1. it all sort of mushroomed over last four years, just friends telling friends, you get your first business, then you wind up doing thier personal returns, then they say "oh my son is in college, can you do his too" and so on ... after a while I found I had like three months easy sit down, at home work for almost all cash
a substantial portion isnt cash too, its has to be on the books, but I put it all through my brothers company, who has yards of write-offs
the trick, imo, is to never get in debt for anything but your mortage. and my house ... i bought it at bankruptcy auction, it was all but uninhabitable when i purchased, i doubled its value in about five years, all with skills and my own tools. I knew what i was doing by then though, i found a house that had mostly cosmetic damage, the roof was in great shape, and the foundation was fine, just needed to be cleaned up, some new flooring, a paintjob and alot of landscaping ... but thats all easy stuff,

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>Paying the minimum monthly
Isn't it understood that you don't really chomp into your principle unless you pay over minimum amount?
Also if you default on every other payment you might as well just say fuck it and have the government garnish your paycheck once the interest builds the loan up to 100k or more.

How much you enjoy working for the mafia?

>going to law school and still not knowing what compound interest is

At least you'll actually learn it after you make the mistake.

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KEK. If student debt can't be solved with bankruptcy in USA, that shit is absolutely unfixable inside national territory. You guys are fucked then. The only solution available is:

>do something that have value in another country, absolutely not a law degree or shit on the human studies. Something on the math and science area
>???
>run to another country after you are done

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look two meme flaggots running their lame ass fucking mouths. neck yourselves fucking losers

>Hand them out like candy these days
Huh, it's almost like you're paying a lot of money for a useless inflated thing that people don't even take seriously anymore...

>Student loan debt can't be forgiven
Join the military.

>takes on 150 fucking thousand dollars of unsecured debt
>this is everyone else's fault
>buys a newer car to cope
i hope you can continue to satisfy your dopamine to distract you from your debt slavery.

And I'm proud to be an American...

right.

Welcome to the Usurious States of America (USA)

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Sad that the left doesn't realize Jewry is to blame for this, and continue to support Jewish agendas and uphold the Jewish power structure.

yes it is understood by most people to pay over the minimum, because the minimum is just interest. OP is dumb.

That's why I stopped paying mine and suck dick for rent money.

Depends on your field. Most STEM professors are okay in that they don’t really ever discuss politics. There’s some humanities fields and departments that are still resolute, including history, classics, sometimes philosophy and economics

>38k in loans
Thats pretty fucking cheap actually. I broke my clavicle and it cost me 55k. Didnt even get a reach around

t. Idiot who applied to top 30s only and wonders why he’s in debt

People are allowed to make dumb decisions. The real crime is that they cry about it

>i dont have any money
>ill borrow money so i can make money to pay back the money i borrowed!

>stale pasta
>new

Cringe, this board is for discussions of politics, not your sekrit Tarrant fan club

A loser that didn't fall for the college jew, when it was so fucking obvious that for some reason smart people can't see it.

You looked for a easy way to slide through life and you got fucked. Good

U S U R Y
S
U
R
Y

>student loan debt can't be forgiven
if you're a teacher and you work for a public school for 10 years you can get PSLF (public service loan forgiveness).

>The total has gone UP due to interest.

You got Jew'd hard.

Whoever made that image has never lifted anything with a winch.

What happens if you have a debt in America? Can you go to jail? To court? Can you take other credits?

If you were smart, you have lived on Ramen noodles for a few years and paid off your loan. But instead you're living beyond your means. That is how slaves live. Masters live on less than they earn no matter how much or how little that is.

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they can garnish your wages. if you weasel out of that, they can sell the debt to the IRS, and the IRS will cancel your passport for any debt over $30,000 which means you cant flee and you have to work until you've paid it off.

>federally guaranteed student loan
>over 10% interest
wat

How does anyone have a legitimate career that can make you millions nowadays?

I feel zero sympathy for a professor going through this as he is doing the same thing to new students. Get fucked, idiot, chances are you’re a liberal.

I took my student loans and bought the GOOG IPO. Payed back the loans after graduating with the gains.
Poorfags are poorfags for a reason.

There's the other desert cult mind virus!

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>went to college
>didnt learn shit about interest
why should tax dollars subsidize a failed program like (((higher education)))?

this, in the US you have probably the best opportunities in the world to make money

I dont work for the mafia
I am the mafia!
No seriously .... if you dont earn you dont pay taxes, its that simple. Most everything you need, you can acquire through alot of different ways. For instance today I replaced all the lights, fuses, changed the oil, put in new plugs, vacuumed out track, cleaned it up ... nice mid summer clean/tune up. if i had gone to a shop would be easy 400$ ... but i do it myself. Grow most of my own veggies, hunt and fish and chop wood ... my main bills are a bit of hydro and internet.
my income from doing taxes is mostly legit, just goes through my brothers shell company ... I am just ghost employee who accepts only cash. my income from construction has been tapering off, and mostly its only cash jobs now for family and friends. But when I was going hard and had a little crew I paid lots of taxes, and my bro's company still has to pay plenty of taxes ... just not me.
I dont do anything illegal, I rarely drink, and spend my time with my sons, teaching them the skills they need ... mechanics, carpentery, hunting, outdoorsman. the trick to not paying the jews is to not need them for anything. To be self-reliant .... and theres nothing "mafia" about that. If you have a simple lifestyle, you dont need the banking jew. Find your pleasures in the forests, and on the sea, with your wife and children. Get out of the cities bro, life is better in the country.

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