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The impossibility of paying back a student loan? What do they do in this situation?
12-14-2019, 10:08 PM
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#61
Originally Posted By wincel⏩
i am against the government paying for people’s debt , no matter the kind of debt it isI'm saying hypothetically, if u saw no tax increase (perhaps due to a cut in military spending or some other shift of funds in such a way as to not harm you), would you still be against it? I am arguing against the reasoning of "I had to deal with x therefore so should you."
To me, that argument is spiteful.
To me, that argument is spiteful.
It Absolves personal responsibility
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12-14-2019, 10:09 PM
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#62
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Originally Posted By wincel⏩
Then you're wrong in calling me spiteful because that's not what the word meansMy use of the word "spite" here is in the sense that you gain nothing from their suffering. I am saying what if the public funding of college could work with no tax increase on you? Would you support it then or still argue they must not benefit from it because you didn't?
I honestly won't have a problem with publicly funded college with no tax increase, ded srs.
So take my argument and apply it to someone who can see the light at the end of the tunnel on their loans. Say they had $50k worth of loans and are at $5k left. They did everything right, scrimping to be able to pay that off. How is it fair to them to forgive everyone else's $50k loan and make them watch $45k worth of sacrificing go down the drain?
12-14-2019, 10:10 PM
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#63
Originally Posted By 5x10⏩
So even if it would not raise cost, you would still be against it simply to makw sure others faced the same hardships as you?i am against the government paying for people’s debt , no matter the kind of debt it is
It Absolves personal responsibility
It Absolves personal responsibility
12-14-2019, 10:12 PM
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#64
Originally Posted By bigcat3655⏩
Dead on. If you were to forgive it, you'd have to essentially pay back everyone, even those who paid in full. This is how legal immigrants feel in the illegal immigration leniency you got going on with the left.Then you're wrong in calling me spiteful because that's not what the word means
I honestly won't have a problem with publicly funded college with no tax increase, ded srs.
So take my argument and apply it to someone who can see the light at the end of the tunnel on their loans. Say they had $50k worth of loans and are at $5k left. They did everything right, scrimping to be able to pay that off. How is it fair to them to forgive everyone else's $50k loan and make them watch $45k worth of sacrificing go down the drain?
I honestly won't have a problem with publicly funded college with no tax increase, ded srs.
So take my argument and apply it to someone who can see the light at the end of the tunnel on their loans. Say they had $50k worth of loans and are at $5k left. They did everything right, scrimping to be able to pay that off. How is it fair to them to forgive everyone else's $50k loan and make them watch $45k worth of sacrificing go down the drain?
At most, I'd be ok with making the interest 0% if you've been paying like a decade with no progress. Likely if you haven't made a dent in 10 years, you're never paying that sucker off. If you aren't making any money in 10 years after you get your degree, your degree has been effectively useless and you'll probably never make enough money to ever pay the loan off.
12-14-2019, 10:13 PM
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#65
Originally Posted By bigcat3655⏩
My point is that entire line of thinking is spiteful. I am using "spite" in the sense of deliberate ill will toward others.Then you're wrong in calling me spiteful because that's not what the word means
I honestly won't have a problem with publicly funded college with no tax increase, ded srs.
So take my argument and apply it to someone who can see the light at the end of the tunnel on their loans. Say they had $50k worth of loans and are at $5k left. They did everything right, scrimping to be able to pay that off. How is it fair to them to forgive everyone else's $50k loan and make them watch $45k worth of sacrificing go down the drain?
I honestly won't have a problem with publicly funded college with no tax increase, ded srs.
So take my argument and apply it to someone who can see the light at the end of the tunnel on their loans. Say they had $50k worth of loans and are at $5k left. They did everything right, scrimping to be able to pay that off. How is it fair to them to forgive everyone else's $50k loan and make them watch $45k worth of sacrificing go down the drain?
spite -a desire to hurt, annoy, or offend someone.
For example, in a game, if you take an action that hurts you and also someone else, it is an action of spite. Neither side gains, and actually, both lose.
You seem to want others to face the same hardships as you. This is not a good argument for why student loans should not be forgiven. There are better arguments. That's all I am saying.
It's like me saying I should be a child abuser because my mom abused me.
12-14-2019, 10:13 PM
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#66
Originally Posted By wincel⏩
If we forgive all the current debt, would that not put the same idea in those that follow...that they probably don't need to worry about how much they borrow because their debt will probably get paid off, too?So even if it would not raise cost, you would still be against it simply to makw sure others faced the same hardships as you?
They need to be able to look at all of the people struggling and say 'damn, not gonna follow that model'.
12-14-2019, 10:14 PM
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#67
Originally Posted By wincel⏩
i didn’t face the hardships as I didn’t take the debtSo even if it would not raise cost, you would still be against it simply to makw sure others faced the same hardships as you?
I’m against it because the government shouldn’t be bailing out people’s spending decisions
The government shouldn’t be relied upon for that
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12-14-2019, 10:14 PM
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#68
Originally Posted By 401Delta⏩
Sure but that is not the idea they are promoting. They are saying others ought to suffer what they have suffered simply because they suffered it. I do not like that line of thinking.If we forgive all the current debt, would that not put the same idea in those that follow...that they probably don't need to worry about how much they borrow because their debt will probably get paid off, too?
They need to be able to look at all of the people struggling and say 'damn, not gonna follow that model'.
They need to be able to look at all of the people struggling and say 'damn, not gonna follow that model'.
12-14-2019, 10:15 PM
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#69
Originally Posted By 5x10⏩
That's fine. That's a different reason.i didn’t face the hardships as I didn’t take the debt
I’m against it because the government shouldn’t be bailing out people’s spending decisions
The government shouldn’t be relied upon for that
I’m against it because the government shouldn’t be bailing out people’s spending decisions
The government shouldn’t be relied upon for that
12-14-2019, 11:16 PM
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#70
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Originally Posted By 5x10⏩
The government also shouldn't be securing debt for banks and bailing out banks. Especially since these banks like to prey on people who are not even old enough to buy a beer.i didn’t face the hardships as I didn’t take the debt
I’m against it because the government shouldn’t be bailing out people’s spending decisions
The government shouldn’t be relied upon for that
I’m against it because the government shouldn’t be bailing out people’s spending decisions
The government shouldn’t be relied upon for that
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
12-14-2019, 11:29 PM
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#71
Originally Posted By Godfrd824⏩
agreedThe government also shouldn't be securing debt for banks and bailing out banks. Especially since these banks like to prey on people who are not even old enough to buy a beer.
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12-15-2019, 12:17 AM
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#72
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Originally Posted By wincel⏩
Wanting people to pay the Piper for decisions they made is not spiteful, no matter what you want the meaning of the word to be. I don't want anyone to "suffer" because of what I did. I want people to be responsible for the results of their decisions, for better or worseMy point is that entire line of thinking is spiteful. I am using "spite" in the sense of deliberate ill will toward others.
spite -a desire to hurt, annoy, or offend someone.
For example, in a game, if you take an action that hurts you and also someone else, it is an action of spite. Neither side gains, and actually, both lose.
You seem to want others to face the same hardships as you. This is not a good argument for why student loans should not be forgiven. There are better arguments. That's all I am saying.
It's like me saying I should be a child abuser because my mom abused me.
spite -a desire to hurt, annoy, or offend someone.
For example, in a game, if you take an action that hurts you and also someone else, it is an action of spite. Neither side gains, and actually, both lose.
You seem to want others to face the same hardships as you. This is not a good argument for why student loans should not be forgiven. There are better arguments. That's all I am saying.
It's like me saying I should be a child abuser because my mom abused me.
And I didn't clarify, but the only way I'm good with public funded college is if there is a list of approved majors that will benefit society. You want to major in gender fluid basket weaving you're on your own.
12-15-2019, 12:43 AM
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#73
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first question after seeing this is why are they only paying the interest?
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 12:45 AM
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#74
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Originally Posted By Godfrd824⏩
the banks and the car company (GM) paid back all debt though to be fair. if a students loan is forgived he/she wouldnt be paying that loan backThe government also shouldn't be securing debt for banks and bailing out banks. Especially since these banks like to prey on people who are not even old enough to buy a beer.
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 12:47 AM
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#75
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Originally Posted By VegasLifter26⏩
Yeap, and it only cost millions of people their mortgages, credit, jobs, and savings.the banks and the car company (GM) paid back all debt though to be fair. if a students loan is forgived he/she wouldnt be paying that loan back
At the end of the day, their debt wasn't so much what they owed from the bailout, so much as it was the mess they made for everyday people, which led to them needing the bailout.
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
12-15-2019, 12:51 AM
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#76
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Nothing worse than mindless 1980s Reagan baby boomer conservatives on their knees, mouths wide open, getting a sperm facial from bankers, Colleges with billions in endowments (who hate them and poison the culture of their country), and big government. Can barely hear them drone on about "muh boot straps" with all of that jizz in their mouths.
Giving obscene loans to teenagers, making it the only type of loan that can't be discharged in bankruptcy, lying to them for years in government indoctrination factories about how they need to take these loans or they will be losers who never amount to anything. The whole system is gross.
At the VERY least, government shouldn't guarantee these loans (meaning banks will be MUCH less likely to hand them out in the first place, meaning far fewer will qualify, meaning there's far less money flooding into the education market, meaning prices come way down) and they should be able to be discharged in bankruptcy like any other loan.
Giving obscene loans to teenagers, making it the only type of loan that can't be discharged in bankruptcy, lying to them for years in government indoctrination factories about how they need to take these loans or they will be losers who never amount to anything. The whole system is gross.
At the VERY least, government shouldn't guarantee these loans (meaning banks will be MUCH less likely to hand them out in the first place, meaning far fewer will qualify, meaning there's far less money flooding into the education market, meaning prices come way down) and they should be able to be discharged in bankruptcy like any other loan.
12-15-2019, 12:53 AM
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#77
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I don't care how or why the debt is there, but fuk these idiots. Have a degree and didn't bother figuring out how to manage, consider it the stupid tax. Asking Americans, many of whom have not gone to college and have their own life decisions to deal with to carry this is unreal. What about moral hazard? I guess this goes well with the liberal ideology of "fuk the country, I want mine." Deal with it. I and many others chose not to blow $50k on an out of state basket weaving class, and now we are being asked to carry your mistakes? Again? Fuk that.
Get govt out of the loan business, and make that chit dischargeable. Now watch the loan amounts go down and tuition hikes slow to a crawl. Govt fuks everything up, let the private sector handle it, they understand risk and how to deal with it.
Get govt out of the loan business, and make that chit dischargeable. Now watch the loan amounts go down and tuition hikes slow to a crawl. Govt fuks everything up, let the private sector handle it, they understand risk and how to deal with it.
Virtue is its own reward.
12-15-2019, 12:56 AM
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#78
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Originally Posted By Johnez⏩
Perfect textbook example of what I was talking about.I don't care how or why the debt is there, but fuk these idiots. Have a degree and didn't bother figuring out how to manage, consider it the stupid tax. Asking Americans, many of whom have not gone to college and have their own life decisions to deal with to carry this is unreal. What about moral hazard? I guess this goes well with the liberal ideology of "fuk the country, I want mine." Deal with it. I and many others chose not to blow $50k on an out of state basket weaving class, and now we are being asked to carry your mistakes? Again? Fuk that.
12-15-2019, 12:58 AM
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#79
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Originally Posted By Godfrd824⏩
how was it the banks fault? they didnt force people to take out loans that people wouldnt be able to pay back. theres proof people forged tax returns and income statements in order to get approved. plus through the community reinvestment act banks were pressured by the federal govt to give out loansYeap, and it only cost millions of people their mortgages, credit, jobs, and savings.
At the end of the day, their debt wasn't so much what they owed from the bailout, so much as it was the mess they made for everyday people, which led to them needing the bailout.
At the end of the day, their debt wasn't so much what they owed from the bailout, so much as it was the mess they made for everyday people, which led to them needing the bailout.
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 12:59 AM
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#80
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Originally Posted By VegasLifter26⏩
Because:first question after seeing this is why are they only paying the interest?
"Uh da gubment school never tot me bout no interest, how wuz I sposed to know?" Lack of personal responsibility. On top of that they expect sympathy. Country getting stupider and weaker by the decade....
Virtue is its own reward.
12-15-2019, 01:03 AM
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#81
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Originally Posted By QuitYourCrying⏩
All I ask is people use their brains and not their manipulation abilities when asking is to cover their mistakes. Apparently that's a big ask. I'm surrounded by morons who can't wipe their ass and blame the banks for not showing them the correct method.Perfect textbook example of what I was talking about.
Virtue is its own reward.
12-15-2019, 01:04 AM
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#82
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Originally Posted By Johnez⏩
same **** with healthcare..most people prolly just sign up for some random plan without taking the time to study it and just expect to have everything coveredBecause:
"Uh da gubment school never tot me bout no interest, how wuz I sposed to know?" Lack of personal responsibility. On top of that they expect sympathy. Country getting stupider and weaker by the decade....
"Uh da gubment school never tot me bout no interest, how wuz I sposed to know?" Lack of personal responsibility. On top of that they expect sympathy. Country getting stupider and weaker by the decade....
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 01:04 AM
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#83
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Originally Posted By QuitYourCrying⏩
What the fuk are you talking about. Conservatives are in trade schools right now getting a real skill, get out debt free, and get in-demand job with a good salary. The ones that are in college are the leftist liberal Democrat *******s, who take out 100K loans for Gender Studies and make fun of conservatives for being "uneducated" and pursuing a swag-less blue collar job.Nothing worse than mindless 1980s Reagan baby boomer conservatives on their knees, mouths wide open, getting a sperm facial from bankers, Colleges with billions in endowments (who hate them and poison the culture of their country), and big government. Can barely hear them drone on about "muh boot straps" with all of that jizz in their mouths.
Giving obscene loans to teenagers, making it the only type of loan that can't be discharged in bankruptcy, lying to them for years in government indoctrination factories about how they need to take these loans or they will be losers who never amount to anything. The whole system is gross.
At the VERY least, government shouldn't guarantee these loans (meaning banks will be MUCH less likely to hand them out in the first place, meaning far fewer will qualify, meaning there's far less money flooding into the education market, meaning prices come way down) and they should be able to be discharged in bankruptcy like any other loan.
Giving obscene loans to teenagers, making it the only type of loan that can't be discharged in bankruptcy, lying to them for years in government indoctrination factories about how they need to take these loans or they will be losers who never amount to anything. The whole system is gross.
At the VERY least, government shouldn't guarantee these loans (meaning banks will be MUCH less likely to hand them out in the first place, meaning far fewer will qualify, meaning there's far less money flooding into the education market, meaning prices come way down) and they should be able to be discharged in bankruptcy like any other loan.
Fuking lol @ you leftist idiots trying to pin this chit on conservatives. Fuk you.
12-15-2019, 01:08 AM
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#84
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Originally Posted By TrueTruth⏩
I'm right-wing. I'm just not a mindless baby boomer conservative that sucks the dicks of bankers, government and college administrators like you do.What the fuk are you talking about. Conservatives are in trade schools right now getting a real skill, get out debt free, and get in-demand job with a good salary. The ones that are in college are the leftist liberal Democrat *******s, who take out 100K loans for Gender Studies and make fun of conservatives for being "uneducated" and pursuing a swag-less blue collar job.
Fuking lol @ you leftist idiots trying to pin this chit on conservatives. Fuk you.
Fuking lol @ you leftist idiots trying to pin this chit on conservatives. Fuk you.
Your type of Mitt Romney, Ben Shapiro conservatism is the absolute dirt worst. Haven't conserved a damn thing in 50 years. Useless.
12-15-2019, 01:15 AM
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#85
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Originally Posted By VegasLifter26⏩
Predatory lending practices, now add the special rules for school loans, and the lack of needed day to day skills education for children in this country, it's a mess.how was it the banks fault? they didnt force people to take out loans that people wouldnt be able to pay back. theres proof people forged tax returns and income statements in order to get approved. plus through the community reinvestment act banks were pressured by the federal govt to give out loans
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
12-15-2019, 01:18 AM
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#86
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Originally Posted By QuitYourCrying⏩
So you expect others to cover for these irresponsible fuks? You probably expect us to bend over for illegals by giving them health insurance and college at our dime too.I'm right-wing. I'm just not a mindless baby boomer conservative that sucks the dicks of bankers, government and college administrators like you do.
Your type of Mitt Romney, Ben Shapiro conservatism is the absolute dirt worst. Haven't conserved a damn thing in 50 years. Useless.
Your type of Mitt Romney, Ben Shapiro conservatism is the absolute dirt worst. Haven't conserved a damn thing in 50 years. Useless.
My SO got boned in her situation. Textbook fukkery, went to for profit college, took out $30k in loans and ended up with useless degree. She moved on. She ended up killing her loans by sending 2-3 checks a month to bring down the principle, on a fast food job. We have the most information we've ever had available to us all in the convenient form of a pocket sized cell phone. Tell me, when these cucks looked at their statement every month, and chose to send the minimum due, and saw their balance go up month after month, should I log in and pull out my checking account and set up principle payments for them? Cos that's what it sounds like you want all of us to do.
Virtue is its own reward.
12-15-2019, 01:20 AM
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#87
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Originally Posted By Godfrd824⏩
predatory? lol u cant be serious.Predatory lending practices, now add the special rules for school loans, and the lack of needed day to day skills education for children in this country, it's a mess.
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 01:26 AM
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#88
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Originally Posted By VegasLifter26⏩
The whole college education system is predatory. BS like having to buy a book made by the teacher teaching the class for $500, and you better not get last year's edition, because they fixed a punctuation mark in the edition. If you don't get the book, you don't pass. Then the book is worthless after you read two pages. That's just one example.predatory? lol u cant be serious.
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
12-15-2019, 01:27 AM
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#89
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Originally Posted By Godfrd824⏩
dude, community colleges are extremely affordable. those kids who are in 100's of thousands in debt could have cut that in half by going to a community schoolThe whole college education system is predatory. BS like having to buy a book made by the teacher teaching the class for $500, and you better not get last year's edition, because they fixed a punctuation mark in the edition. If you don't get the book, you don't pass. Then the book is worthless after you read two pages. That's just one example.
secondly, who pays full price for books? theres tons of ways to get them dscounted and sell them back
(these are my opinions i am not a licensed broker by trade)
12-15-2019, 01:27 AM
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#90
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Originally Posted By Johnez⏩
You mean the irresponsible banks and colleges who conspired to screw over Americans? Nope. I want them to get ****ed over by having government revoke their guarantee of these loans and allowing all borrowers to declare bankruptcy. That would make me quite happy, actually.So you expect others to cover for these irresponsible fuks?
These people despise you and everything you stand for. And here you are sucking their dicks for absolutely no reason.
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