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BREAKING: No student loan forgiveness
07-03-2023, 05:19 PM
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#271
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Originally Posted By Bushmaster⏩
Isn't there some joke about that? Overpriced truck they can't afford, and a stripper wife, who sleeps with everyone?There are used car lots galore outside each and every military base in the entire country.. Big signs announcing "Buy here pay here!"
And there are literally endless stories of 18yr old kids buying their first car for $25-30k with no money down and financing it for 72 months at 30% interest.. And when it's all said and done, their new $25k car will have cost them a small fortune.
But nobody - not one Swinging Richard anywhere who feels sorry for them or wants their loan "forgiven." On the contrary... "HAHA! Let this be a lesson dumbass!"
Oh, but "Teh loan I took for my African Dance Theory degree should be forgiven guise!" lol.
And there are literally endless stories of 18yr old kids buying their first car for $25-30k with no money down and financing it for 72 months at 30% interest.. And when it's all said and done, their new $25k car will have cost them a small fortune.
But nobody - not one Swinging Richard anywhere who feels sorry for them or wants their loan "forgiven." On the contrary... "HAHA! Let this be a lesson dumbass!"
Oh, but "Teh loan I took for my African Dance Theory degree should be forgiven guise!" lol.
And trust me, it happens with CPD as well. You get that bump in pay after your first year, and young officers are buying 60 grand BMW's, or some other overpriced sports car, where they'll be paying 750 dollars a month for the next 6 years.
07-03-2023, 05:22 PM
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#272
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Originally Posted By Putinist⏩
You're telling me that someone with a degree in Chemistry or Civil Engineering needs assistance in paying off their loans?According to you, civil engineering and chemistry are useless majors then because they don't lead to great jobs. There is value in education beyond employment too. IDK about sociology and other soft crap.
07-03-2023, 05:38 PM
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#273
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Originally Posted By Dave22reborn⏩
Why does Jared Kushner - whose net worth is $800 million - need help paying off his $3 million PPP loan?You're telling me that someone with a degree in Chemistry or Civil Engineering needs assistance in paying off their loans?
Republicans are weak men who pretend to be strong
Democrats are strong men who pretend to be weak
07-03-2023, 05:42 PM
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What will happen is that the number of businesses that pay off student loans will increase (we do it).
Entry level folks think they are the chit and demand unrealistic salaries that would lead to you having to raise the salaries of everybody above them.
Instead of raising entry level salaries to levels that would cause an upwards cascade, you increase the benefits package of all employees to include loan repayments.
The public sector already has the 10 year scheme in many areas. You could increase that to teaching and medicine, where people who teach in public schools and work in public hospitals qualify for loan repayments.
You use repayments to incentivize people to work in areas that are less attractive from a recruitment perspective.
If people want the public to give them something (loan repayments), then they have to give the public something in return.
Entry level folks think they are the chit and demand unrealistic salaries that would lead to you having to raise the salaries of everybody above them.
Instead of raising entry level salaries to levels that would cause an upwards cascade, you increase the benefits package of all employees to include loan repayments.
The public sector already has the 10 year scheme in many areas. You could increase that to teaching and medicine, where people who teach in public schools and work in public hospitals qualify for loan repayments.
You use repayments to incentivize people to work in areas that are less attractive from a recruitment perspective.
If people want the public to give them something (loan repayments), then they have to give the public something in return.
Screw nature; my body will do what I DAMN WELL tell it to do!
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07-03-2023, 06:05 PM
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#275
07-03-2023, 06:51 PM
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#276
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Originally Posted By Dave22reborn⏩
Its not good, but it's better than being stuck forever with a loan with no means of ever paying it off if your job sucks or the interest is more than the minimum payment.And that's a good thing???
Face it, let's say someone's parents decide to pay for their child's education. If their child drops out, the parents aren't getting that money back.
Face it, let's say someone's parents decide to pay for their child's education. If their child drops out, the parents aren't getting that money back.
07-03-2023, 07:05 PM
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#277
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Originally Posted By Bushmaster⏩
You say that is if people have the money to pay it back and are simply electing not to. Im sure people would if they could. I've already made this point in this thread, but due to inflation people don't have anymore expendable income to put towards the loan because they took on new debt (credit cards) just to stay afloat these past year and a half.Yeah, no.. You borrowed money and you can pay it TF back. It's really not that complicated at all.
You then have the people thathavebeen making regular payments, but can only afford the minimum balance so after 10 years they owemorethan the original amount they took out since the accrued interest is more than the minimum monthly bill.
And yes people are bad with money and made stupid decisions and in a perfect world they should pay it back, but is it right that they should just be stuck with a loan that is essentially a "forever-bill" that will forever get larger and larger until they die because of a bad decision they made some 10-15 years ago?
The absolute only recourse for them is to stop paying, have their wages garnished, then they don't have enough to pay rent, they lose their job, become homeless and now the government has no means of siphoning money from them. And once they're homeless they stay homeless forever because as soon as they get a little money the government just takes it away. It's that okay for the system to work that way?
07-03-2023, 07:06 PM
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#278
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Originally Posted By Maestro⏩
Hmmmmmm, you majored in a field, and now your job sucks, and we're supposed to take pity on you?Its not good, but it's better than being stuck forever with a loan with no means of ever paying it off if your job sucks or the interest is more than the minimum payment.
07-03-2023, 07:10 PM
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#279
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Originally Posted By Maestro⏩
Almost like the decisions you make in life, have consequences?You say that is if people have the money to pay it back and are simply electing not to. Im sure people would if they could. I've already made this point in this thread, but due to inflation people don't have anymore expendable income to put towards the loan because they took on new debt (credit cards) just to stay afloat these past year and a half.
You then have the people thathavebeen making regular payments, but can only afford the minimum balance so after 10 years they owemorethan the original amount they took out since the accrued interest is more than the minimum monthly bill.
And yes people are bad with money and made stupid decisions and in a perfect world they should pay it back, but is it right that they should just be stuck with a loan that is essentially a "forever-bill" that will forever get larger and larger until they die because of a bad decision they made some 10-15 years ago?
The absolute only recourse for them is to stop paying, have their wages garnished, then they don't have enough to pay rent, they lose their job, become homeless and now the government has no means of siphoning money from them.
You then have the people thathavebeen making regular payments, but can only afford the minimum balance so after 10 years they owemorethan the original amount they took out since the accrued interest is more than the minimum monthly bill.
And yes people are bad with money and made stupid decisions and in a perfect world they should pay it back, but is it right that they should just be stuck with a loan that is essentially a "forever-bill" that will forever get larger and larger until they die because of a bad decision they made some 10-15 years ago?
The absolute only recourse for them is to stop paying, have their wages garnished, then they don't have enough to pay rent, they lose their job, become homeless and now the government has no means of siphoning money from them.
Nobody forced them to take out a huge loan, to go to some ivy league university.
Are they even working while they're going to school?
07-03-2023, 07:11 PM
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#280
Originally Posted By Bushmaster⏩
lol bachelor's degreeOff the top of my head, Georgia has the HOPE Scholarship 'tard...
The military has the GI Bill...
...Which I never had. I had the old Army College Fund which still took me from the Army, to Community College, to University, to BS Degree - with not a single penny in debt.
Point being where there's a will there's a way, with other options than "Imma take out a big loan that I want you to pay for!"
The military has the GI Bill...
...Which I never had. I had the old Army College Fund which still took me from the Army, to Community College, to University, to BS Degree - with not a single penny in debt.
Point being where there's a will there's a way, with other options than "Imma take out a big loan that I want you to pay for!"
07-03-2023, 07:12 PM
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#281
Originally Posted By Dave22reborn⏩
This. Doctors and engineers need a loan to go to college, great, we all understand.Hmmmmmm, you majored in a field, and now your job sucks, and we're supposed to take pity on you?
But the gender studies major, the under-qualified goober who had no business in college in the first place, or the person who decided after getting their degree that they just don't like their job? They can pay for it themselves.
07-03-2023, 07:23 PM
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#282
Originally Posted By Dave22reborn⏩
You haven't really said, are you just against any sort of support period?Except you also want us to foot the bill when they drop out/flunk out???
But it's a good question. Only like 60% of students graduate with a degree, so it's a problem when they borrow but don't even have the Women's Studies degree to show for it. We can't ignore the current mess, but the solution here is not to let anyone get in this position to begin with.
One possibility is an automatic Pell grant for every freshman to weed out the tire kickers. If they succeed to some high standard then they earn access to low cost loans to finish up.
Jeb Bush had a pretty good plan. Give everyone access to a $50K line of credit that's paid back through withholding taxes, 1% of income per year per $10K borrowed for some period of time.
This used to be a topic that conservatives were on board with and would at least discuss because they understood the importance of it. It's not about the money either, I've read we already spend enough on higher education to make it more or less "free" for everyone if you cut support to private schools or something like that. And a lot of y'all are correct, I don't know WTF you do when everything is about racism and diversity instead of best man or woman wins.
07-03-2023, 07:26 PM
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#283
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Originally Posted By Dave22reborn⏩
It doesn't have to be an ivy league school Even State schools are expensive as hell now days.Almost like the decisions you make in life, have consequences?
Nobody forced them to take out a huge loan, to go to some ivy league university.
Are they even working while they're going to school?
Nobody forced them to take out a huge loan, to go to some ivy league university.
Are they even working while they're going to school?
Often times for the STEMS, the course load is too rigorous to work, and just because you major in a STEM doesn't mean you're financially secure. Unless you're going to grad school and taking out an even LARGER loan to apply for a professional program, med school/law school/PhD program, the majority of the jobs in the life and physical sciences and math fields pay poverty wages.
The way the system is currently set up, the only way people can be financially responsible is to simply not go to college and only the rich should be allowed to go while the phlebs like us toil away as electricians and plumbers.....the very jobs our parents told us we would be working (as a scare tactic) if we didn't go to college.
I'm not pushing the blame on boomers (although some of them did cosign off on these loans) but through out the 90s it was drilled into their heads that they had to go to college or else they would be flipping burgers for a living....I'm sure you heard that line in some capacity while growing up. So, they went to college because they were told that they would have high paying jobs waiting for them when we got out. And now, they don't.
07-03-2023, 07:27 PM
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#284
Originally Posted By Seatard⏩
That was before conservatives realized their base was retarded. Now they are the party of insecure uneducated retards who resent researchers and the highly educated.You haven't really said, are you just against any sort of support period?
But it's a good question. Only like 60% of students graduate with a degree, so it's a problem when they borrow but don't even have the Women's Studies degree to show for it. We can't ignore the current mess, but the solution here is not to let anyone get in this position to begin with.
One possibility is an automatic Pell grant for every freshman to weed out the tire kickers. If they succeed to some high standard then they earn access to low cost loans to finish up.
Jeb Bush had a pretty good plan. Give everyone access to a $50K line of credit that's paid back through withholding taxes, 1% of income per year per $10K borrowed for some period of time.
This used to be a topic that conservatives were on board with and would at least discuss because they understood the importance of it. It's not about the money either, I've read we already spend enough on higher education to make it more or less "free" for everyone if you cut support to private schools or something like that. And a lot of y'all are correct, I don't know WTF you do when everything is about racism and diversity instead of best man or woman wins.
But it's a good question. Only like 60% of students graduate with a degree, so it's a problem when they borrow but don't even have the Women's Studies degree to show for it. We can't ignore the current mess, but the solution here is not to let anyone get in this position to begin with.
One possibility is an automatic Pell grant for every freshman to weed out the tire kickers. If they succeed to some high standard then they earn access to low cost loans to finish up.
Jeb Bush had a pretty good plan. Give everyone access to a $50K line of credit that's paid back through withholding taxes, 1% of income per year per $10K borrowed for some period of time.
This used to be a topic that conservatives were on board with and would at least discuss because they understood the importance of it. It's not about the money either, I've read we already spend enough on higher education to make it more or less "free" for everyone if you cut support to private schools or something like that. And a lot of y'all are correct, I don't know WTF you do when everything is about racism and diversity instead of best man or woman wins.
07-03-2023, 07:46 PM
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#285
Originally Posted By Seatard⏩
We were so closeJeb Bush had a pretty good plan. Give everyone access to a $50K line of credit that's paid back through withholding taxes, 1% of income per year per $10K borrowed for some period of time.
07-03-2023, 08:08 PM
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#286
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Originally Posted By Zelensky⏩
The median annual salary for a elementary/HS teacher is about $45k/year, yet they still have to take out $50k+loans to get their degree as an educator.This. Doctors and engineers need a loan to go to college, great, we all understand.
But the gender studies major, the under-qualified goober who had no business in college in the first place, or the person who decided after getting their degree that they just don't like their job? They can pay for it themselves.
But the gender studies major, the under-qualified goober who had no business in college in the first place, or the person who decided after getting their degree that they just don't like their job? They can pay for it themselves.
07-03-2023, 08:31 PM
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#287
Originally Posted By Maestro⏩
They don't need to take out anything, they make a choice. Besides, plenty of schools cost much less (this is what in-state tuition is for) and plenty of students work throughout college.The median annual salary for a elementary/HS teacher is about $45k/year, yet they still have to take out $50k+loans to get their degree as an educator.
Either way, the information regarding what they'll pay to go to college and what teachers earn is readily available before they make any choice, which your post even highlights.
If would-be teachers can't even do basic math figuring out how their future earnings will stack up against what they'll have to pay back, are they even fit to be teachers?
Further, if they're happy to take out loans on the backs of their fellow citizens and taxpayers but then decide they just don't want to pay them back, should we reward that type of person with a position of influence over children? Seems like they're unfit.
Your entire point is rendered moot anyways by the fact that teachers get their student loans completely expunged after a certain period of time, and the Biden admin is making it even easier for them to do so now. All they have to do is not pay for x number of years and their debt is moved from their shoulders to the taxpayer's.
07-03-2023, 08:31 PM
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#288
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Originally Posted By Seatard⏩
UK bachelors cost about $40k in tuition.Jeb Bush had a pretty good plan. Give everyone access to a $50K line of credit that's paid back through withholding taxes, 1% of income per year per $10K borrowed for some period of time.
You repay 6% of what you earn over $32k until it's either paid back or you age out of it (they write it off after 30 years, or at 65)
Interest is charged at base rate +1%, which is about as good as it gets.
Screw nature; my body will do what I DAMN WELL tell it to do!
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They had the technology to rebuild me. They made me better, stronger, faster......
07-03-2023, 09:13 PM
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#289
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My ex racked up about $30K in debt on student loans getting an associates in business. she's an idiot so she of course can't do anything with it and she can't hold a decent paying job. She will never be able to repay that loan and it will ruin her for life. I know of several people like that where they went to college to make mom proud or just to do anything besides actually go to work and now they are farked. A lot of people do well in school but flop in the real world. There are also those who just don't have very good work ethic or drive and can never figure out how to accel in a career. A lot of people in fields they don't fit them very well. Or they don't fit that field.
07-03-2023, 09:23 PM
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#290
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Originally Posted By Jasonw1178⏩
That's what I mean, when someone majors in something that's a better hobby, why should society foot the bill?My ex racked up about $30K in debt on student loans getting an associates in business. she's an idiot so she of course can't do anything with it and she can't hold a decent paying job. She will never be able to repay that loan and it will ruin her for life. I know of several people like that where they went to college to make mom proud or just to do anything besides actually go to work and now they are farked. A lot of people do well in school but flop in the real world. There are also those who just don't have very good work ethic or drive and can never figure out how to accel in a career. A lot of people in fields they don't fit them very well. Or they don't fit that field.
You major in history, if you're retired, and maybe want to learn about history. Or better yet, don't major in history, and just read books about history.
Had an ex who majored in Art History, she worked at McDonald's till she was like 25 years old, and what did she do afterwards? She taught high school Art at the high school we went to......
07-03-2023, 09:24 PM
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#291
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Originally Posted By DuracellBunny⏩
But they still have to.pay it back.UK bachelors cost about $40k in tuition.
You repay 6% of what you earn over $32k until it's either paid back or you age out of it (they write it off after 30 years, or at 65)
Interest is charged at base rate +1%, which is about as good as it gets.
You repay 6% of what you earn over $32k until it's either paid back or you age out of it (they write it off after 30 years, or at 65)
Interest is charged at base rate +1%, which is about as good as it gets.
Also, these debts were put on hold for the past 3 years, WTF have they been doing? Have they been saving any money to paying it off?
07-03-2023, 09:28 PM
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#292
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Originally Posted By Anachron⏩
Only makes sense when you live in a nation that consist solely of your own people. The USA will never be that kind of nation, so people there do not care about anyone other than themselves. In Europe people are more open to ensuring everyone is taken care of because for them, the people in their country are literally related to them in blood, history, and culture. Basically family.Stop making too much sense.
07-04-2023, 12:42 AM
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#293
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Originally Posted By Dave22reborn⏩
Well, for the first 1.5 years they were probably out of a job due to the pandemic, and the remaining 1.5 years was most likely spent racking up new debt just to stay afloat due to inflation.But they still have to.pay it back.
Also, these debts were put on hold for the past 3 years, WTF have they been doing? Have they been saving any money to paying it off?
Also, these debts were put on hold for the past 3 years, WTF have they been doing? Have they been saving any money to paying it off?
Originally Posted By Islandboyo⏩
Its ingrained in us. We call it "Rugged Individualism"Only makes sense when you live in a nation that consist solely of your own people. The USA will never be that kind of nation, so people there do not care about anyone other than themselves. In Europe people are more open to ensuring everyone is taken care of because for them, the people in their country are literally related to them in blood, history, and culture. Basically family.
07-04-2023, 04:30 AM
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#294
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Originally Posted By Putinist⏩
Degree, career, investments, rental properties, plus a house OF MY OWN.lol bachelor's degree
You... not so much.
Originally Posted By Bushmaster⏩
WTF do you know about it wincel? You're a homebound loser who's not even capable of functioning in life.
It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.
07-04-2023, 04:37 AM
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#295
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Originally Posted By Maestro⏩
Sorry bro, I am... But at the end of the day you/they had other options besides going to a loan shark, didn't you. As I said, the military paid for my education completely and I never borrowed a single penny. Thousands upon thousands of others have went that route too.You say that is if people have the money to pay it back and are simply electing not to. Im sure people would if they could. I've already made this point in this thread, but due to inflation people don't have anymore expendable income to put towards the loan because they took on new debt (credit cards) just to stay afloat these past year and a half.
You then have the people thathavebeen making regular payments, but can only afford the minimum balance so after 10 years they owemorethan the original amount they took out since the accrued interest is more than the minimum monthly bill.
And yes people are bad with money and made stupid decisions and in a perfect world they should pay it back, but is it right that they should just be stuck with a loan that is essentially a "forever-bill" that will forever get larger and larger until they die because of a bad decision they made some 10-15 years ago?
The absolute only recourse for them is to stop paying, have their wages garnished, then they don't have enough to pay rent, they lose their job, become homeless and now the government has no means of siphoning money from them. And once they're homeless they stay homeless forever because as soon as they get a little money the government just takes it away. It's that okay for the system to work that way?
You then have the people thathavebeen making regular payments, but can only afford the minimum balance so after 10 years they owemorethan the original amount they took out since the accrued interest is more than the minimum monthly bill.
And yes people are bad with money and made stupid decisions and in a perfect world they should pay it back, but is it right that they should just be stuck with a loan that is essentially a "forever-bill" that will forever get larger and larger until they die because of a bad decision they made some 10-15 years ago?
The absolute only recourse for them is to stop paying, have their wages garnished, then they don't have enough to pay rent, they lose their job, become homeless and now the government has no means of siphoning money from them. And once they're homeless they stay homeless forever because as soon as they get a little money the government just takes it away. It's that okay for the system to work that way?
It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.
07-04-2023, 05:07 AM
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#296
07-04-2023, 05:16 AM
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#297
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[QUOTE=Putinist post_id=1685823133][youtube]J821EI5jxfI[/youtube[/QUOTE]Gonna make it outside today winny? Or nah.
It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.
07-04-2023, 05:56 AM
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07-04-2023, 07:45 AM
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#299
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Originally Posted By Bushmaster⏩
True, going into the military was a choice you made, and if things had gone wrong (getting injured/maimed) the government would take care of you....i've worked in a VA hospital so probably not to the extent that you would like but, there is a system/a "parachute" ready for you if things had gone bad for you. How is there a system in place in this country with no means of escape? There are many paths we can choose in life, and no matter how bad things get there is an proverbial "out" to restart our lives and try again, but not for student loan debt....and its all subsidized by the government, just like going into the military.Sorry bro, I am... But at the end of the day you/they had other options besides going to a loan shark, didn't you. As I said, the military paid for my education completely and I never borrowed a single penny. Thousands upon thousands of others have went that route too.
For the record, i'm doing fine on my student loan, i'm just about done paying mine off since i've been chipping away at it since it was placed on pause, but I know more than a handful IRL and have been reading lots stories of people that have not been as fortunate as I have. I graduated at just the right time, got into my field (which was pandemic/recession proof) to allow me to get promotions to make more money. I even got my apartment before the start of the pandemic so my rent (even for this nice area in UTC) is pretty damn cheap...but if there was one aspect in my life that was out of alignment I'd most likely be phucked, and instead of being able to take care of my parents with the money i'm making, I would have been a burden probably having to move back in with them with my tail between my legs.
07-04-2023, 07:49 AM
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#300
- Bushmaster
- Masculine Toxicity
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- Bushmaster
- Masculine Toxicity
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Originally Posted By Maestro⏩
LMAO!! It's like you didn't even read a word I said. Here lol...True, going into the military was a choice you made, and if things had gone wrong (getting injured/maimed) the government would take care of you....i've worked in a VA hospital so probably not to the extent that you would like but, there is a system/a "parachute" ready for you if things had gone bad for you. How is there a system in place in this country with no means of escape? There are many paths we can choose in life, and no matter how bad things get there is an proverbial "out" to restart your life and try again, but not for student loan debt....and its all subsidized by the government, just like going into the military.
For the record, i'm doing fine on my student loan, i'm just about done paying mine off since i've been chipping away at it since it was placed on pause, but I know more than a handful IRL and have been reading lots stories of people that have not been as fortunate as I have. I graduated at just the right time, got into my field (which was pandemic/recession proof) to allow me to get promotions to make more money. I even got my apartment before the start of the pandemic so my rent (even for this nice area in UTC) is pretty damn cheap...but if there was one aspect in my life that was out of alignment I'd most likely be phucked, and instead of being able to take care of my parents with the money i'm making, I would have been a burden probably having to move back in with them with my tail between my legs.
For the record, i'm doing fine on my student loan, i'm just about done paying mine off since i've been chipping away at it since it was placed on pause, but I know more than a handful IRL and have been reading lots stories of people that have not been as fortunate as I have. I graduated at just the right time, got into my field (which was pandemic/recession proof) to allow me to get promotions to make more money. I even got my apartment before the start of the pandemic so my rent (even for this nice area in UTC) is pretty damn cheap...but if there was one aspect in my life that was out of alignment I'd most likely be phucked, and instead of being able to take care of my parents with the money i'm making, I would have been a burden probably having to move back in with them with my tail between my legs.
Originally Posted By Bushmaster⏩
You. Had. OPTIONS. Other than a loan shark.. Didn't you.Sorry bro, I am... But at the end of the day you/they had other options besides going to a loan shark, didn't you. As I said, the military paid for my education completely and I never borrowed a single penny. Thousands upon thousands of others have went that route too.
And the loan shark probably promised you riches beyond your wildest dreams once you got your degree and joined the elite group of "educated professionals" too.. didn't he. Probably pay off your $100k loan in six months or some shiit you thought.. didn't you.
So you chose the loan shark option, didn't you.
Face it, you made a bad choice, and now that reality is sinking in you've got regrets. Don't you.
It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.
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