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Forum » anyone fuked by student loan debt?
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Thread: anyone fuked by student loan debt?

post 1522585971 10-14-2017, 10:14 AM
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#61
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Originally Posted By AhDo⏩
how are you people getting under 2% interest rates? That makes no sense because low risk bonds are 2+%. There's no point in paying anything more than the minimum per month
I took out interest free loans. There was a rich guy that created a benefit to help people in the community get an education and fund other public works. They even offer once a year to pay about 3% interest in the opposite direction to pay it back in full. Not mad at that.
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post 1522587621 10-14-2017, 10:38 AM
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Thank christ I paid that off a couple years ago. If you pay the minimum you will be stuck with for life. Should be priority number one.

See people I graduated still struggling 10 years down the road because the first time they got real playing job post graduate they just blew money on new cars and vacations.
post 1522588031 10-14-2017, 10:42 AM
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Originally Posted By wheelerx50⏩
I took out interest free loans. There was a rich guy that created a benefit to help people in the community get an education and fund other public works. They even offer once a year to pay about 3% interest in the opposite direction to pay it back in full. Not mad at that.
Where did you find an organization that offers interest free loans?
post 1522588261 10-14-2017, 10:45 AM
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Originally Posted By silverwildcat⏩
Where did you find an organization that offers interest free loans?
high school had a career/college services department that worked on hooking kids up with scholarships and foundations.

In retrospect, my high school was probably pretty good compared to the average. We had most A.P. classes offered, CAD classes, wood shop, machine shop, robotics, etc.
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post 1522588491 10-14-2017, 10:48 AM
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#65
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Originally Posted By wheelerx50⏩
high school had a career/college services department that worked on hooking kids up with scholarships and foundations.
Damn, most high schools should have that. Do you remember what the name of the organization you went with was?
post 1522590541 10-14-2017, 11:14 AM
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#66
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The thing about college, and especially grad school, is that if you’re meant to be going there, either the school or your employer will be paying a good amount for you to be there

If I didn’t get at least a tuition scholarship in-state no way would I have taken out loans to go. At that point it would be more beneficial to learn a trade or join the military unless you had the HS background for STEM, and if that was the case you’d probably have at least tuition covered via scholarship anyway. College isn’t for everyone
post 1537658741 12-15-2017, 09:54 PM
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#67
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One thing I'm glad I never had to do. Got an internship right out of HS which started my career in IT. Went to community college on and off for 6 years just to get my associates. All my knowledge came from on the job training and now I'm a Linux Sys Admin. Certs are worth more in the IT world. I feel for the brahs who have large student loan debt. Hope you all get it paid off ASAP
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post 1537659331 12-15-2017, 10:07 PM
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#68
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Originally Posted By DesiredUser****⏩
One thing I'm glad I never had to do. Got an internship right out of HS which started my career in IT. Went to community college on and off for 6 years just to get my associates. All my knowledge came from on the job training and now I'm a Linux Sys Admin. Certs are worth more in the IT world. I feel for the brahs who have large student loan debt. Hope you all get it paid off ASAP
This but it requires people to be more active and get out of this "Must have a degree straight away from college" mindset. Meanwhile so many graduate holding some paperweight degree, huge debt, zero experience, and wonder why they aren't landing a dream job. If you're going to have a huge student loan, make sure it's at least for a degree that means something and not some redundant glorified highschool degree.
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post 1537659751 12-15-2017, 10:18 PM
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#69
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Originally Posted By EoR⏩
This but it requires people to be more active and get out of this "Must have a degree straight away from college" mindset. Meanwhile so many graduate holding some paperweight degree, huge debt, zero experience, and wonder why they aren't landing a dream job. If you're going to have a huge student loan, make sure it's at least for a degree that means something and not some redundant glorified highschool degree.
I agree 100%. I never bought into it and it's worked out for me. Most people just don't know there are other options out there I guess.
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post 1537660121 12-15-2017, 10:26 PM
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#70
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Yes i did but i made the dumb mistake of ignoring them

I actually let them garnish my wages years ago when i had a good job and lived with my parents

Now i owe under $2000

It was 20,000
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post 1551145921 05-09-2018, 09:44 AM
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#71
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Originally Posted By AhDo⏩
how are you people getting under 2% interest rates? That makes no sense because low risk bonds are 2+%. There's no point in paying anything more than the minimum per month
I took out 11K @ 1% compounded once annually, pretty much as good as it gets. That 11K was from my state gov't, and was only offered to those taking STEM degrees at the state's top universities. I only make minimum payments on it.Also took out 25K ranging anywhere from 3.25% to 6.5% (subsidized) from the feds. Any extra money for loans goes straight to the 6.5%'er


Started at 36K, down to like 26K now, in like 3 years of payments. Also paid 14K on my car note, 4K of furniture, and a 28K wedding in that time, and have now saved 24K for a down-payment.

So all in all, it's kind of fooking me cause I could have paid my car off and have a lot more monthly income. But definitely worth it.
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post 1551146041 05-09-2018, 09:45 AM
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#72
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Never had any. Fuk all that sht
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post 1551146091 05-09-2018, 09:45 AM
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#73
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Originally Posted By KurtMussell⏩
I have a plan to get hit by a car and pay off my student loans that way.
Got life all figured out in an instant. bam.
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post 1551146671 05-09-2018, 09:54 AM
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#74
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Originally Posted By FreedomPenguin⏩
Got life all figured out in an instant. bam.
Just make sure it's a nice car.
Doesn't shower with his dad crew
Dat feel when you taste sweat in your mustache crew
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post 1551146911 05-09-2018, 09:57 AM
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#75
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It's one of those things that you think will happen way later in life but all of a sudden college is over and you're stuck with those loans.
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post 1551148601 05-09-2018, 10:22 AM
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#76
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Amazed people still go the college route if they have to take out 50k+ in loans for undergrad. Going into that much debt for medical or dental school I can understand but there are kids taking out 100k in loans to study philosophy and visual arts at a top university. Is there no one older and wiser about finances telling them it’s a bad investment?
post 1551148731 05-09-2018, 10:23 AM
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#77
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No but that's probably because I worked my way through my four year, I only ended up with $25K which is pretty reasonable in my opinion.
post 1551148931 05-09-2018, 10:27 AM
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#78
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Never had any. Went to tradie school and graduated w zero debt at the community college while all my friends went to MSU and are swimming in debt

At this point anything i want to learn i learn it online, udemy, youtube. So many resources. Fuk debt brah unless u want to be a doctor or some chit
post 1551149241 05-09-2018, 10:32 AM
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#79
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Noone gets fuked by student debt it is a self inflicted wound that is made by to many idiots that make horrible life choices not knowing what direction to go in life.. no offense but I have no empathy for people buried in student debt

Only reason schools charge so much is because there is to many idiots to pay that much../thread
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post 1551149381 05-09-2018, 10:35 AM
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#80
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Originally Posted By quadfecta⏩
Amazed people still go the college route if they have to take out 50k+ in loans for undergrad. Going into that much debt for medical or dental school I can understand but there are kids taking out 100k in loans to study philosophy and visual arts at a top university. Is there no one older and wiser about finances telling them it’s a bad investment?
Unfortunately old timers think you should get a degree at any cost or you'll fail at life, so they push their kids into it. It's an outdated way of thinking. Doesn't help that basic personal finance isn't taught in high school.

Unless you are going to a top tier school with financial help you should never spend 50k on an undergrad degree.
post 1551149451 05-09-2018, 10:36 AM
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I have 5.3k at 100 something hours so definitely not bad. never have gotten any scholarships or anything aside from loans though. been working through school
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post 1551150001 05-09-2018, 10:44 AM
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#82
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My wife got a full ride and I went to a community college so no student loan debt here.

A co-worker however took out 70k for his wife to go to nursing school because they wanted extra to live on while she went to school then deferred it for 3 years until they were forced to begin paying on it and now they're only paying the forced interest payments.... disaster
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post 1551151331 05-09-2018, 11:02 AM
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post 1551151431 05-09-2018, 11:04 AM
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#84
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$850 left and Im free

However I purchased a used vehicle a few months ago so Im a slave to that debt
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post 1551151451 05-09-2018, 11:04 AM
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My cousin just got a 40k loan to get a masters at her university. Hope she doesn't get into more debt.
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post 1551151971 05-09-2018, 11:11 AM
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Originally Posted By Fang2⏩
My cousin just got a 40k loan to get a masters at her university. Hope she doesn't get into more debt.
Thats the whole reason I didnt pursue a masters, would have went for finance or economics but I cant justify putting myself another 40k in the hole after Im a few months away from escaping.
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post 1551246101 05-10-2018, 02:50 PM
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Graduated pharmacy school in 2011 with $120,000 debt. Will be finished paying it off by the end of 2018. Can't phucken wait.
post 1551247201 05-10-2018, 03:05 PM
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#88
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got 300 dollars left... after 10 years..
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post 1551247241 05-10-2018, 03:06 PM
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#89
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Everyone shouldn't be pre-approved to get loans. This is the government trapping all students to make more money. Yes in theory it sounds like smart business but it also stunts the growth of our future.

It probably also weeds out the idiotic weaklings and the smarter kids rise up because they make better decisions.

Fuggit. I had financial aid and never took out loans.
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post 1551247381 05-10-2018, 03:07 PM
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ill gladly take my STEM student loan over having to break my back for 40 years
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