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  1. #421
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    Some people took out a 10 grand loan in the academy, should it be forgiven?
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  2. #422
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    Originally Posted by sandaltan View Post
    federally guaranteed loans have been purchased by the federal government and the bank is owed nothing - theyve already been paid.
    Yes, and the students pay them back. What happens when the students do not pay them back? A shortfall. What's going to make up for that shortfall? I honestly don't know, but I do know that money lent and not paid back just doesn't automatically disappear. If the revenue isn't there, won't the govt have to make it up with either taxes or service cuts, or worst-stick it in the deficit, growing the debt?
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  3. #423
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    This should make you happy sandaltan. I'm on board with this. This is the best possible thing a California liberal govt could come up with. It's efficient and the least wasteful way to give a 4 year education. This education is the $20k education I've spoken of here in the thread, and is totally doable. First, it rewards the low income people that have completed a cheaper 2 year degree. Second, it encourages the smart decision making that is staying in state. Third, it doesn't fund cars and vacations. There is no moral hazard, and no wasted loan interest. In light of this thread, and the chit situations with regards to fukked up loans and interest, this should go a long way to alleviate the financial situations for future students.

    https://www.thereporter.com/2020/01/...niversity/amp/

    In yet another push to make higher education more accessible in California, a bill filed in the state Legislature last week would extend the state’s tuition-free college guarantee to four years — and beyond community college — for some students, making it one of the most generous programs in the nation.

    Students who earn an associate’s degree for transfer through the California College Promise program could finish their bachelor’s degrees for free at California State University under the legislation, authored by Los Angeles Assemblyman Miguel Santiago.

    While the bill must still make its way through the legislative process, it has surfaced at a time when free college has become a hot topic during the Democratic presidential primaries, just a year after California’s liberal governor and Legislature gave community college districts money to waive two years of fees for first-time, full-time students.
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  4. #424
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    College shouldn't be free.

    College debt interest shouldn't also be as gauging as it is.
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  5. #425
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    Originally Posted by JotaroJoestar View Post
    College shouldn't be free.

    College debt interest shouldn't also be as gauging as it is.
    **** it actually, maybe it should be.

    The whole "system" is designed to force kids into thinking they need to go to school. Then gauge them with interest. The media is set up for this & kids are forced into this mindset from a very young age. It's sickening.
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  6. #426
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    Originally Posted by JotaroJoestar View Post
    College shouldn't be free.

    College debt interest shouldn't also be as gauging as it is.
    It shouldn't, but the California system is the best way to do it if you end up going that route. Half those 4 years is spent in community colleges, you don't get the 4 year funds until you get the AA. This is actually pretty smart coming from the Uber liberal California govt.
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  7. #427
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    Originally Posted by sandaltan View Post
    dramatic much? i chose the best school to attend that would give me the best job prospects in the profession i wanted to practice, and i took out student loans because im not rich

    apparently you think the system is fine!
    Welcome to the real world, where your decisions have consequences. You made your decisions, why are you whining about them?

    which makes sense since you...what...high school diploma? so why would you care. you havent received any formal education since age 18 (which just sounds insane to me - to stop your education when youre basically a child)

    just a guess
    Your guesses are as dumb as your life choices lol.
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  8. #428
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    Originally Posted by sandaltan View Post
    what are you talking about? serious questions. do you think the feds will send taxpayers a bill? thats not what happens when loans are voided / forgiven / discharged.

    nobody pays them

    they go away

    we dont need to "come up with" the money because its no longer owed. its not like a bank / individual / private company will go out of business because they dont get paid on the loans they made

    i cant be any more clear about this

    You are really starting to make me question your really expensive education.
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  9. #429
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    Originally Posted by Johnez View Post
    It shouldn't, but the California system is the best way to do it if you end up going that route. Half those 4 years is spent in community colleges, you don't get the 4 year funds until you get the AA. This is actually pretty smart coming from the Uber liberal California govt.
    No, it's not.
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  10. #430
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    Originally Posted by sy2502 View Post
    Welcome to the real world, where your decisions have consequences. You made your decisions, why are you whining about them?



    Your guesses are as dumb as your life choices lol.
    liberals believe that if it's important to them then it must be free. really the only decisions they want to make are which iphone to get and even then some probably think the gov't should supply phones.
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  11. #431
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    Originally Posted by litljay View Post
    No, it's not.
    Compared to simply "forgiving" the debts, it actually is. Think about it-it encourages the best possible choices here so many in this thread have already pushed for:

    Stay in state
    Go to CC first
    Stay at home

    No car payments or Cabo spring breaks on the tax payers dime. The fact that to get the funds you have to get your 2 year degree first also separates the wheat from the chaff. No more deciding to go to 4 year, drop after the first or second year and being on the hook for loans with a useless half education.

    Also, California used to not charge tuition at all. They weren't the only state. As a conservative, if given the choice I'd rather see money go to education expenses than to loans that balloon to multiples of the actual cost of education. Why should that guaranteed loan even be charged interest? It's stupid, there is no risk, the loan should have an interest rate at maximum the rate of inflation. In addition, we need the best and brightest choosing paths that better our country, and encourage those who are young to excel, not be dissuaded due to costs.

    Now if we're going to talk about how the gov't fuks chit up and eventually this will turn into another boondoggle with enormous gov't waste-I agree there. As it is now though, that's the way it is already and I would argue it's worse with loans. The loans encourage inefficient choices, like moving out of state for double the tuition. These colleges are making money hand over fist with out of staters-this will curb that. Less money being wasted by going out of state, more economically wise choices, more money for these students to spend on things that will actually benefit the economy (cars, houses, etc.).
    Last edited by Johnez; 01-16-2020 at 12:09 PM.
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  12. #432
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    Originally Posted by sandaltan View Post
    dramatic much? i chose the best school to attend that would give me the best job prospects in the profession i wanted to practice, and i took out student loans because im not rich

    apparently you think the system is fine!
    You took out loans. /discussion

    which makes sense since you...what...high school diploma? so why would you care. you havent received any formal education since age 18 (which just sounds insane to me - to stop your education when youre basically a child)

    just a guess
    Sandy sandy sandy... Bro, someone who spews fairy tale, unicorn bullshiit like this should never question anybody's education lol.

    Originally Posted by sandaltan View Post
    no that would be fukked up like when the auto industry and banks got bailed out. those were private companies who were literally sent money from taxpayer dollars, so forgiving a mortgage wouldnt be the same.

    student loans are loans owned by the federal government. when theyre forgiven theyre just forgiven. nobody is being sent billions in taxpayer dollars like when the banks and auto industries got bailed out. they literally just go away.

    nobody pays for them
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  13. #433
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    If you're not smart enough to have a plan to pay for college, you're not smart enough to go to college.

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    Originally Posted by Mumra View Post
    liberals believe that if it's important to them then it must be free. really the only decisions they want to make are which iphone to get and even then some probably think the gov't should supply phones.
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  15. #435
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    Originally Posted by JotaroJoestar View Post
    College shouldn't be free.

    College debt interest shouldn't also be as gauging as it is.
    Originally Posted by JotaroJoestar View Post
    **** it actually, maybe it should be.

    The whole "system" is designed to force kids into thinking they need to go to school. Then gauge them with interest. The media is set up for this & kids are forced into this mindset from a very young age. It's sickening.
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    Originally Posted by Johnez View Post
    Stay in state
    Go to CC first
    Stay at home
    .
    I recommend this to kids/parents all the time. go to a cheap community college and take all the core classes that you can there and then transfer to the college you want to go to if it's more expensive. nobody cares where you took English lit 1000, you'll save a ton of money and it'll probably be easier.
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    Originally Posted by DuracellBunny View Post
    If you're not smart enough to have a plan to pay for college, you're not smart enough to go to college.

    /thread
    According to surveys, an estimated 20 to 50 percent of students enter college as undecided, and an estimated 75 percent of students change their major at least once before graduation.
    imagine picking and attending a school without knowing why you are even going there.

    i used to phuck a girl who's dad was paying for her mba and she repeatedly said she didn't even really want it. i quit seeing her for that reason.

    i just looked her up shes a secretary

    so there's another point we didnt even get into, u might be a fukkin genius but all you wanna do is swing a hammer. why would you overdetermine ur qualifications at great cost?
    mind the business that pay me in 2020
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  18. #438
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    Originally Posted by AltarOfPlagues View Post
    imagine picking and attending a school without knowing why you are even going there.

    i used to phuck a girl who's dad was paying for her mba and she repeatedly said she didn't even really want it. i quit seeing her for that reason.

    i just looked her up shes a secretary
    my first go round in college I had no idea what I was going for. in fact I was just going to defer being a responsible adult. I ended up getting a pretty good job, started dating a girl and just lost all interest in school. FF to now and I'm going back for 2 reasons. 1. to finally get my degree and get that monkey off my back. 2. get out of my current career. I'm in the type of industry that once you get in it's really hard to get out. hell most of the guys in my office have been with the company 20+ years. I've been here for a little over 7 and I'm the "new guy".
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    Originally Posted by Mumra View Post
    my first go round in college I had no idea what I was going for. in fact I was just going to defer being a responsible adult. I ended up getting a pretty good job, started dating a girl and just lost all interest in school. FF to now and I'm going back for 2 reasons. 1. to finally get my degree and get that monkey off my back. 2. get out of my current career. I'm in the type of industry that once you get in it's really hard to get out. hell most of the guys in my office have been with the company 20+ years. I've been here for a little over 7 and I'm the "new guy".
    i would wager that most people who go BACK to school or who wait to go to school have a much higher employment rate than 22 year old grads bc they have been dosed w reality.
    mind the business that pay me in 2020
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    You don't have to be...look up community college.
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    Originally Posted by AltarOfPlagues View Post
    i would wager that most people who go BACK to school or who wait to go to school have a much higher employment rate than 22 year old grads bc they have been dosed w reality.
    they also actually try to do well in class. sure some of the kids do but for the most part they're just trying to get by.

    hell, my first go at school I ended with 2 Fs. I just flat out didn't care and even when I did well in class it was just because I got lucky or kinda knew enough already. but this time I'm getting straight As in class I most certainly would have failed before and it's not like I'm smarter or anything.
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    Originally Posted by YoungMetro24 View Post
    The ramblings of a dry dick never cease to amuse me.
    damn brah u natty or juicy?
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    Originally Posted by DuracellBunny View Post
    If you're not smart enough to have a plan to pay for college, you're not smart enough to go to college.

    /thread
    lol what? the plan is to have money

    fking lol at having a "plan" to pay $250k in fees

    brb stop buying starbucks problem solved

    brb part time job

    brb live at home with parents if possible

    brb now you only owe $220k in fees problem solved solid plan
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    Originally Posted by sandaltan View Post
    lol what? the plan is to have money

    fking lol at having a "plan" to pay $250k in fees

    brb stop buying starbucks problem solved

    brb part time job

    brb live at home with parents if possible

    brb now you only owe $220k in fees problem solved solid plan
    If someone is dumb enough to take out $200k in loans, and is not going into a field where he/she KNOWS they will make enough $$$ to be able to pay that back, I do not feel sorry for them. Nor do I feel others should pay for their stupidity.
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    undergrad was paid for with bright futures and scholarships and my professional degree tuition was 22k/year for 4 years at a good state school. I knew the cost going in and do fine now, but a lot of kids get absolutely ass blasted with undergrad loans on stupid degrees. kinda feel for them short term, but the constant whining years after falls on deaf ears
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    Originally Posted by Mumra View Post
    they also actually try to do well in class. sure some of the kids do but for the most part they're just trying to get by.

    hell, my first go at school I ended with 2 Fs. I just flat out didn't care and even when I did well in class it was just because I got lucky or kinda knew enough already. but this time I'm getting straight As in class I most certainly would have failed before and it's not like I'm smarter or anything.
    That is a mixed bag. Urgency plays a factor. For example I wasn't able to get out of crappy professor classes. I was in 4 classes that did not have a single "A" awarded.

    The other factor is responsibility. Do I study for a test or do I go to my kids birthday party?

    I finished with a 3.4 Cumulative, which could have easily been a few points higher if I wasn't loaded with 18 credits a semester, while working...
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    Originally Posted by sandaltan View Post
    lol what? the plan is to have money

    fking lol at having a "plan" to pay $250k in fees

    brb stop buying starbucks problem solved

    brb part time job

    brb live at home with parents if possible

    brb now you only owe $220k in fees problem solved solid plan
    So are you going to use the same logic to buy a house? "I want a $2 million home because I am supposed to get everything I want, but my job doesn't pay me enough to afford the mortgage so I should buy the $2 million home and then not pay the mortgage because unfair".

    And you went to an expensive college uh? Money well spent...
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  28. #448
    Jacques Rhott Bushmaster's Avatar
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    Originally Posted by sy2502 View Post
    So are you going to use the same logic to buy a house? "I want a $2 million home because I am supposed to get everything I want, but my job doesn't pay me enough to afford the mortgage so I should buy the $2 million home and then not pay the mortgage because unfair".

    And you went to an expensive college uh? Money well spent...
    I don't see why not.. I mean once the loan just vanishes, nobody has to pay it and we can all live in $2 million dollar homes.

    Originally Posted by sandaltan View Post
    no that would be fukked up like when the auto industry and banks got bailed out. those were private companies who were literally sent money from taxpayer dollars, so forgiving a mortgage wouldnt be the same.

    student loans are loans owned by the federal government. when theyre forgiven theyre just forgiven. nobody is being sent billions in taxpayer dollars like when the banks and auto industries got bailed out. they literally just go away.

    nobody pays for them
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    Originally Posted by sy2502 View Post
    So are you going to use the same logic to buy a house? "I want a $2 million home because I am supposed to get everything I want, but my job doesn't pay me enough to afford the mortgage so I should buy the $2 million home and then not pay the mortgage because unfair". m

    And you went to an expensive college uh? Money well spent...
    fkin lol at thinking higher education is like buying a house

    its like you have no clue that education plays a key role in human, social, and economic development, promotes equality, promotes peace, and increases a person’s chances of having more opportunities in life.

    but no, you see it as buying a house

    sad

    but then again, people with 12th grade educations probably think that way
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    Originally Posted by sandaltan View Post
    fkin lol at thinking higher education is like buying a house

    its like you have no clue that education plays a key role in human, social, and economic development, promotes equality, promotes peace, and increases a person’s chances of having more opportunities in life.

    but no, you see it as buying a house

    sad
    You borrowed money simpleton.

    That would be the basis of comparison lol. You borrow money for a house / you borrow money for your education. At the end of the day guess what... you still borrowed money. Right?

    Nod your head up and down for me.

    but then again, people with 12th grade educations probably think that way
    Yeah, you of all people should really not talk about education bro.
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