View Poll Results: Should anything be done for graduate/professional students?

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  • Lower interest rates and subsidize interest

    9 36.00%
  • Raise interest rates

    2 8.00%
  • Provide more government aid to needy students

    6 24.00%
  • Raise taxes to make all education essentially free

    5 20.00%
  • Raise tuition to generate revenue for the gov.

    0 0%
  • Decrease funding for undergrads and increase funding for grad students

    1 4.00%
  • Do nothing/other

    13 52.00%
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Thread: Should anything be done for graduate/professional students?

  1. #11
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    Grad plus loans are based on credit, and you cannot erase student loans by declaring bankruptcy. The feds can also garnish wages to pay back loans.
    The interest rate on these loans are below market and most young people getting them have a thin or non existent credit file.
    More realistic interest rates for these loans should be double digit, based upon the risk involved to the lender.

    Honestly, if it isn't already a good deal for you, why are you going to graduate school?
    To me, this is one of those "don't look a gift horse in the mouth" situations.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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  2. #12
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Henrin View Post
    Lol no.

    It costs per student in this country in public schools 9,000 dollars

    While on the hand, it costs on average of 2,000 dollars per student in private schools.

    This site disagrees:


    Average Private School Tuition: 2007-08
    All Levels Elementary Secondary K-12 Schools
    All Schools $8,549 $6,733 $10,549 $10,045
    Catholic $6,018 $4,944 $7,826 $9,066
    Other Religious $7,117 $6,576 $10,493 $7,073
    Non-Sectarian $17,316 $15,945 $27,302 $16,247
    Source: Table 63, Digest of Education Statistics 2010, National Center for Education Statistics.

  3. #13
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    Re: Should anything be done for graduate/professional students?

    20% of students in the USA go to private colleges.

    These folks, if they got a federal student loan, should not be eligible for any more help.

  4. #14
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Henrin View Post
    Lol no.

    It costs per student in this country in public schools 9,000 dollars

    While on the hand, it costs on average of 2,000 dollars per student in private schools.
    colleges?????

  5. #15
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Harry Guerrilla View Post
    The interest rate on these loans are below market and most young people getting them have a thin or non existent credit file.
    More realistic interest rates for these loans should be double digit, based upon the risk involved to the lender.

    Honestly, if it isn't already a good deal for you, why are you going to graduate school?
    To me, this is one of those "don't look a gift horse in the mouth" situations.
    What risk? For professional students we will most likely make enough money to pay them back royally. Mortgages have a lower interest rate and in my opinion pose more risk than graduate student loans. I almost feel taken advantage of when undergrads get aid, while grad students get essentially nothing but unsubsidized loans with high interest (while undergrads get subsidized loans with much much more aid).

    I'm going to graduate school because it's my dream, and the nation is in need to graduates from doctorate degree programs. I'm going with the sting that massive debt is just the reality, but I don't think it should be this way. Universities raise tuition, the government provides no aid (while kids studying undergrad art, music, or theater get aid) and the government essentially pockets our interest. I think it's more high risk for students to take out loans in majors that are not economically viable versus students going on to graduate school to receive specialized doctorates that are needed in the country.
    Last edited by digsbe; 05-19-12 at 11:59 PM.
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  6. #16
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    What risk? For professional students we will most likely make enough money to pay them back royally. Mortgages have a lower interest rate and in my opinion pose more risk than graduate student loans.
    Higher income, does not guarantee payment.
    There are plenty of high income, debt delinquent persons.

    Your credit is based upon your usage and repayment, not your income.

    Quote Originally Posted by digsbe View Post
    I'm going to graduate school because it's my dream, and the nation is in need to graduates from doctorate degree programs. I'm going with the sting that massive debt is just the reality, but I don't think it should be this way. Universities raise tuition, the government provides no aid (while kids studying undergrad art, music, or theater get aid) and the government essentially pockets our interest. I think it's more high risk for students to take out loans in majors that are not economically viable versus students going on to graduate school to receive specialized doctorates that are needed in the country.
    Your dream shouldn't be at the expense of everyone else.
    You obviously value schooling, more than the current cost, else you wouldn't have applied for the school.

    Take the loan and pay it back, with no bailout for your choices.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

  7. #17
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    ...I'm going to graduate school because it's my dream, and the nation is in need to graduates from doctorate degree programs. I'm going with the sting that massive debt is just the reality, but I don't think it should be this way. Universities raise tuition, the government provides no aid (while kids studying undergrad art, music, or theater get aid) and the government essentially pockets our interest. I think it's more high risk for students to take out loans in majors that are not economically viable versus students going on to graduate school to receive specialized doctorates that are needed in the country.
    may I ask what your getting a degree in?

  8. #18
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Thunder View Post
    may I ask what your getting a degree in?
    Should we assume yours is not in English?
    "you're better off on Stormfront discussing how evil brown men are taking innocent white flowers." Infinite Chaos

  9. #19
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Harry Guerrilla View Post
    Higher income, does not guarantee payment.
    There are plenty of high income, debt delinquent persons.

    Your credit is based upon your usage and repayment, not your income.
    I understand this, but with these loans the government can garnish your wages to force repayment. If you make the money, they will take it. Loans outside of the Stafford loans are based on student credit as well. You can't make a high income and avoid these loans because they will literally take the money from your paycheck like taxes (which isn't such a bad thing, people should honor their debts).

    Your dream shouldn't be at the expense of everyone else.
    You obviously value schooling, more than the current cost, else you wouldn't have applied for the school.

    Take the loan and pay it back, with no bailout for your choices.
    Should everyone pay higher costs for healthcare so that practitioners can pay back their loans? We already finance the dreams of undergrads, and their dreams are economically foolish (like majoring n theater, art or something along those lines). I do value my education above the cost and I agreed to this. However, given the current system I don't think it's fair that graduate students receive no aid when these degrees benefit the country more while other students in other programs get aid to do less economically viable things. I'm not asking for a bail out nor am I asking for free education. I'm just asking for a fair apportionment of funds and not not take advantage of graduate students by imposing higher interest rates, no subsidized loans that undergrads enjoy and the fact that realistically we will pay back our loans, the art major who graduated with $30,000 in debt that now works waiting tables will not (yet receives funding). I will be a net payer into the loan system via my high interest, I think it should be fair.
    Quote Originally Posted by Thunder View Post
    may I ask what your getting a degree in?
    Doctor of Pharmacy, PharmD.
    When the debate is lost, slander becomes the tool of the loser. -Socrates
    Tired of elections being between the lesser of two evils.

  10. #20
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    ...Doctor of Pharmacy, PharmD.
    sounds good.

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