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Here Comes The Student Loan Forgiveness

Saucey

Saucey

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Forbes Welcome

I never will forget the day that I logged into my account to make my student loan payment and lo and behold there was a Dept of Education announcement telling me to fill out a questionnaire to see if I "qualify" for Obama's new student loan program.. I was livid!
So basically, you are best of becoming a member of the Party and getting a govie job. It pays off in more ways that just getting your student loan forgiven.
 
PSLF, make 10 years of payments working for the gov or approved non-profit and get loans forgiven.

IBR, 25 years of payments and the remainder is forgiven, the forgiven amount is tacked to your income and you pay income tax on it.
 
digsbe said:
PSLF, make 10 years of payments working for the gov or approved non-profit and get loans forgiven.

IBR, 25 years of payments and the remainder is forgiven, the forgiven amount is tacked to your income and you pay income tax on it.
Click to expand...

Still.. They'll do anything to get into every thread of you life. For their benefit.
 
Saucey said:
Still.. They'll do anything to get into every thread of you life. For their benefit.
Click to expand...

Of course, the whole system exists to screw you over. The government is going to make back their money and then some due to interest rates near 7%. Graduate students are especially screwed.
 
shouldn't have to sign up for crushing debt in order to attend college any more than you should for have to for high school, IMO.

and then there's this :

1-15.jpg

i also support requiring completion of high school. letting immature kids drop out is less than useless.
 
Helix said:
shouldn't have to sign up for crushing debt in order to attend college any more than you should for have to for high school, IMO.

and then there's this :

View attachment 67193282

i also support requiring completion of high school. letting immature kids drop out is less than useless.
Click to expand...
ver

Yes. Every quarter you hear from public universities demanding and begging for more funds. The faculty, staff, politicians of these places make a lot of money.
 
Helix said:
so guarantee debt free access to schools which meet certain qualifications, and require completion of the degree in order to qualify. makes a lot more sense than this :

Class of 2015 has the most student debt in U.S. history - MarketWatch
Click to expand...

Here is what I think is driving the debt, college dropout and all the like:

My theory. NO need for posting of the links lol,

1. the economy does not support the employment of a good many of the degree programs offered these days. So they become unemployed or under employed.

2. Honestly a lot of the people who go to college should not be there in the first place. The high schools, politicians, families, and interest groups push them into it and most of them get grants they do not hafta pay back anyways.

3. People are not as industrious these days. If a job does not fall in their lap right away, they give up.

4. and the debt and loans should not be exceeding the amounts that they do. The cost of college is complex. Nobody really sees why it costs and its impossible to add it up because most of the colleges are publicly owned (government owned) and they do not want you to know why college cost so much because that is the politicians and special interests livelihood.
 
Saucey said:
Here is what I think is driving the debt, college dropout and all the like:

My theory. NO need for posting of the links lol,

1. the economy does not support the employment of a good many of the degree programs offered these days. So they become unemployed or under employed.

2. Honestly a lot of the people who go to college should not be there in the first place. The high schools, politicians, families, and interest groups push them into it and most of them get grants they do not hafta pay back anyways.

3. People are not as industrious these days. If a job does not fall in their lap right away, they give up.

4. and the debt and loans should not be exceeding the amounts that they do. The cost of college is complex. Nobody really sees why it costs and its impossible to add it up because most of the colleges are publicly owned (government owned) and they do not want you to know why college cost so much because that is the politicians and special interests livelihood.
Click to expand...

did you even look at those graphs helix provided, showing that the more educated citizens were much less likely to rely on federal benefits

allow me to post that again:

the more educated citizens were much less likely to rely on federal benefits



doesn't that seem like an excellent reason for government to support educating our citizenry
 
justabubba said:
did you even look at those graphs helix provided, showing that the more educated citizens were much less likely to rely on federal benefits

allow me to post that again:

the more educated citizens were much less likely to rely on federal benefits



doesn't that seem like an excellent reason for government to support educating our citizenry
Click to expand...

Why do something like that which makes sense when we can sacrifice long term growth for short term gain and long term suffering ?
 
Saucey said:
... public universities ... The faculty, staff, politicians of these places make a lot of money.
Click to expand...
lololololololololololololol
:rofl
:rofl
Oh, are you being serious?

Please provide some citations for your assertion that the faculty and staff of public universities "make a lot of money"

Saucey said:
People are not as industrious these days. If a job does not fall in their lap right away, they give up.
Click to expand...
I suspect that this observation is not borne out by facts either.

You are someone who came of age last century, yes?
 
Saucey said:
ver

Yes. Every quarter you hear from public universities demanding and begging for more funds. The faculty, staff, politicians of these places make a lot of money.
Click to expand...

that is because demand makes them need more resources.
they need more teachers, books, classes.

labs need upgraded etc ...
teachers want raises and the rest of the 9 yards to go with it.
 
justabubba said:
did you even look at those graphs helix provided, showing that the more educated citizens were much less likely to rely on federal benefits

allow me to post that again:

the more educated citizens were much less likely to rely on federal benefits



doesn't that seem like an excellent reason for government to support educating our citizenry
Click to expand...

Educated in the college sense and "educated" can be two different things.

What I am saying is that there are a lot of people who dont belong in a university. Either they dont wanna be there but were persuaded to do so, they do not have the motivation for it, or they just plain aren't smart enough for it.
Many of them would be better fit and enjoy vocational school better. Hell even Obama advocated that..
I have been to college and I have been in the private sector. There are a lot of "BS" programs at colleges that are not going to afford them to opportunity to anything outside of college.
 
ludin said:
that is because demand makes them need more resources.
they need more teachers, books, classes.

labs need upgraded etc ...
teachers want raises and the rest of the 9 yards to go with it.
Click to expand...

RIght.. Because everybody and their brother goes to college these days. Doesnt matter if you are smart enough to, have the money. etc. Everybody wants to go in there and get that piece of paper.
 
Saucey said:
Here is what I think is driving the debt, college dropout and all the like:

My theory. NO need for posting of the links lol,

1. the economy does not support the employment of a good many of the degree programs offered these days. So they become unemployed or under employed.

2. Honestly a lot of the people who go to college should not be there in the first place. The high schools, politicians, families, and interest groups push them into it and most of them get grants they do not hafta pay back anyways.

3. People are not as industrious these days. If a job does not fall in their lap right away, they give up.

4. and the debt and loans should not be exceeding the amounts that they do. The cost of college is complex. Nobody really sees why it costs and its impossible to add it up because most of the colleges are publicly owned (government owned) and they do not want you to know why college cost so much because that is the politicians and special interests livelihood.
Click to expand...

like it or not, we either pay people to work, or we pay them not to. society also benefits from having a highly educated population. i can think of worse ways to spend the money.
 
Helix said:
like it or not, we either pay people to work, or we pay them not to. society also benefits from having a highly educated population. i can think of worse ways to spend the money.
Click to expand...

worse ways to spend the money? Yea we already do that too lol
 
Saucey said:
Educated in the college sense and "educated" can be two different things.

What I am saying is that there are a lot of people who dont belong in a university. Either they dont wanna be there but were persuaded to do so, they do not have the motivation for it, or they just plain aren't smart enough for it.
Many of them would be better fit and enjoy vocational school better. Hell even Obama advocated that..
I have been to college and I have been in the private sector. There are a lot of "BS" programs at colleges that are not going to afford them to opportunity to anything outside of college.
Click to expand...

but notice the graph indicating college graduates were less likely to suck on the government tit; those degrees included the ones you are not fond of
clearly - hopefully with your advanced education it is clearly seen that it is in government's interest for citizens to advance their educations. some degrees are more financially rewarding than others, but overall, a degree is better than NOT having a degree
 
Saucey said:
RIght.. Because everybody and their brother goes to college these days. Doesnt matter if you are smart enough to, have the money. etc. Everybody wants to go in there and get that piece of paper.
Click to expand...

Government supplies an endless supply of money to go to school.
businesses demand that people have degree's.

colleges are left holding the bag. most state run college's have to go through the state government to get increases.
 
justabubba said:
but notice the graph indicating college graduates were less likely to suck on the government tit; those degrees included the ones you are not fond of
clearly - hopefully with your advanced education it is clearly seen that it is in government's interest for citizens to advance their educations. some degrees are more financially rewarding than others, but overall, a degree is better than NOT having a degree
Click to expand...

"A degree is better than not having a degree"
Yes that what a lot of employers hope. And they will hire someone that has that degree over someone who does not. But as they are finding out, that doesnt always mean that person is going to be a greater asset to their organization. The university education is so non real world and poor these days, it doesnt prepare them for the successes and failures of life in the real world.
I say what I say from raw experience and being in management. No graph informs me on that level.
 
ludin said:
Government supplies an endless supply of money to go to school.
businesses demand that people have degree's.

colleges are left holding the bag. most state run college's have to go through the state government to get increases.
Click to expand...

Yup they do. Case in point. A southern state. Say Mississippi or Louisiana. Two of the least "wealthy" states. If you look at a pie chart on state expenditures you will see that 70 or 75 percent goes to "education." But yet they have some of the worst schools. Money isnt the answer. Now where does all that money go and why isn't it helping? First of all most of it goes to these damn school superintendents who get paid way more than they are worth to hold a political position that is the equivalent to a count commissioner or city council member.
The answer as to why so much money is wasted and education levels are poor is a non PC answer, but a lot of times the non PC answer just happens to be the truth.
 
Saucey said:
Yup they do. Case in point. A southern state. Say Mississippi or Louisiana. Two of the least "wealthy" states. If you look at a pie chart on state expenditures you will see that 70 or 75 percent goes to "education." But yet they have some of the worst schools. Money isnt the answer. Now where does all that money go and why isn't it helping? First of all most of it goes to these damn school superintendents who get paid way more than they are worth to hold a political position that is the equivalent to a count commissioner or city council member.
The answer as to why so much money is wasted and education levels are poor is a non PC answer, but a lot of times the non PC answer just happens to be the truth.
Click to expand...

yep school admins get the majority of the money.
 
ludin said:
anecdotal evidence is not evidence.
Click to expand...

and public pensions is anecdotal?

Or would anecdotal be there quantified and adversarial relationship with DEM teacher Unions they negotiate against yet still share the same public pension with, yet far more lucrative as you've noted .
 
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