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. #21
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    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).
    Yes, the reason being that these high dollar debts aren't secured by anything other than your promise to pay.
    But even with that, the interest rates are already below market.

    Quote Originally Posted by digsbe View Post
    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.
    Would you prefer to pay it yourself or have the government collect it in an inefficient manner, to pay.
    One way or another, it will be paid.

    It's just more efficient to do so, from the borrower, rather than socializing the cost.

    It's entirely fair, you get money to go to school and earn money after you graduate.
    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. #22
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    Amid discussions of student loans many talk of aid and interest rates for undergrad students. My poll is asking do you think aid should be increased for graduate students? Graduate/professional school is extremely expensive, many times costing as much as a house. When I graduate pharmacy school I will be $150,000-$200,000 in student loan debt. The interest rate is 6.8% and accrues immediately (upon borrowing) with a 1% disbursement fee. Grad plus loans are put into play after a student has borrowed $31,000 through stafford and has a 7.9% interest rate accruing immediately with a 4% disbursement fee. There is no pell grant, state aid (at least in my state), or much of anything else outside of very small (and rare) outside scholarships for graduate/professional students.

    Law school graduates have an average of $100,433 in debt Law School Student Debt Exceeds $100,000 Amid Jobs Shortage - Bloomberg

    Medical school graduates have an average of $157,944 in debt. Background

    The debt burden has become insane. Keep in mind that these are averages. People who do not come from wealthy families, like me, must take out the maximum number to essentially finance all school costs and most living expenses.

    Should the government increase funding for grad students? Should they decrease it? What should happen with the student loans and interest rates? Keep in mind, the federal government is in charge of the loans and interest rates. Student loan debt has also surpassed credit card debt.
    The number of students selecting expensive schools and degree programs that they cannot even partially cover out of pocket is what's insane.

    If you don't want to shoulder the burden of the debt = don't accept the loan terms. . . or don't go to an excessively expensive school.
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  3. #23
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Thunder View Post
    colleges?????
    No, grade schools.

    Sorry for the confusion.

    If you want to know what I think on colleges then I think the assistance only raises the cost.

  4. #24
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    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).



    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.


    Doctor of Pharmacy, PharmD.

    We already finance the dreams of undergrads, and their dreams are economically foolish (like majoring n theater, art or something along those lines).
    Please stop this. People in the arts do make money. We work in advertising agencies museums as art therapists creating layouts fo rthe web video game art work toys and much more Some of us happen to make very good money. One of my friends is a creative director for a very famous designer now who use to employ Brook Sheilds.

    I do however agree with you that the cost of grad is outrageous. I know this from my days a NYU.

  5. #25
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Henrin View Post
    No, grade schools.

    Sorry for the confusion.

    If you want to know what I think on colleges then I think the assistance only raises the cost.
    That's the problem, continued subsidization, just exacerbates the problem.
    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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  6. #26
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by winston53660 View Post
    Please stop this. People in the arts do make money. We work in advertising agencies museums as art therapists creating layouts fo rthe web video game art work toys and much more Some of us happen to make very good money. One of my friends is a creative director for a very famous designer now who use to employ Brook Sheilds.

    I do however agree with you that the cost of grad is outrageous. I know this from my days a NYU.
    I apologize. I have nothing against the arts nor do I intend on degrading the field.

    My main point is kids who "follow their hearts" and obtain degrees in the arts because it's what they enjoy (not that it's bad to do something you like, but economic viability must also be factored in), but are not economically viable and cannot find jobs utilizing their skills (hence the analogy of working minimum wage with an undergrad degree, they cannot find employment in their field). I apologize if my comments seemed harsh or degrading. I'm sure students obtaining a graduate degree in the arts can sympathize as they must also pay pretty much completely by loans to fund their post undergrad education. My main premise is that I don't think it's fair for undergrads, especially in fields that aren't as viable, to get all the aid and subsidized loans while grad students are essentially farmed out to be the net payers into the system.

    Quote Originally Posted by Aunt Spiker View Post
    The number of students selecting expensive schools and degree programs that they cannot even partially cover out of pocket is what's insane.

    If you don't want to shoulder the burden of the debt = don't accept the loan terms. . . or don't go to an excessively expensive school.
    There is really no such thing as an inexpensive school for pharmacy, medicine or law. That's why the average (among private and public institutions) is above $100,000.

    I have said before that given the current costs I weigh that paying and earning my degree is better, but I still think that grad students shouldn't be left to dry with no aid while others get some.
    Last edited by digsbe; 05-20-12 at 12:27 AM.
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  7. #27
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    There is really no such thing as an inexpensive school for pharmacy, medicine or law. That's why the average (among private and public institutions) is above $100,000.

    I have said before that given the current costs I weigh that paying and earning my degree is better, but I still think that grad students shouldn't be left to dry with no aid while others get some.
    Stafford loans are subsidized.
    You're getting aid if you use these.
    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

  8. #28
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    I apologize. I have nothing against the arts nor do I intend on degrading the field.

    My main point is kids who "follow their hearts" and obtain degrees in the arts because it's what they enjoy (not that it's bad to do something you like, but economic viability must also be factored in), but are not economically viable and cannot find jobs utilizing their skills (hence the analogy of working minimum wage with an undergrad degree, they cannot find employment in their field). I apologize if my comments seemed harsh or degrading. I'm sure students obtaining a graduate degree in the arts can sympathize as they must also pay pretty much completely by loans to fund their post undergrad education. My main premise is that I don't think it's fair for undergrads, especially in fields that aren't as viable, to get all the aid and subsidized loans while grad students are essentially farmed out to be the net payers into the system.



    There is really no such thing as an inexpensive school for pharmacy, medicine or law. That's why the average (among private and public institutions) is above $100,000.

    I have said before that given the current costs I weigh that paying and earning my degree is better, but I still think that grad students shouldn't be left to dry with no aid while others get some.
    Yes - that type of work is in high demand and it's intense schooling; truly costs a pretty penny even at the more 'affordable' schools. . . everyone should know that and be aware before they commit to the schooling discipline.

    Common sense = research and that includes *future* terms of loan repayment.

    Why would schools want to try to lower costs if students are indebt to a bank and not paying much out of pocket? What's the incentive for the schools to drop their rates and fees (which is where it really flies out the roof - not just credit hour cost)?
    Last edited by Aunt Spiker; 05-20-12 at 12:30 AM.
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  9. #29
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    I apologize. I have nothing against the arts nor do I intend on degrading the field.

    My main point is kids who "follow their hearts" and obtain degrees in the arts because it's what they enjoy, but are not economically viable and cannot find jobs utilizing their skills (hence the analogy of working minimum wage with an undergrad degree, they cannot find employment in their field). I apologize if my comments seemed harsh or degrading. I'm sure students obtaining a graduate degree in the arts can sympathize as they must also pay pretty much completely by loans to fund their post undergrad education. My main premise is that I don't think it's fair for undergrads, especially in fields that aren't as viable, to get all the aid and subsidized loans while grad students are essentially farmed out to be the net payers into the system.



    There is really no such thing as an inexpensive school for pharmacy, medicine or law. That's why the average (among private and public institutions) is above $100,000.

    I have said before that given the current costs I weigh that paying and earning my degree is better, but I still think that grad students shouldn't be left to dry with no aid while others get some.

    Digsbe I think you are a bright young man with the fortitude to have a bright future and rewarding life. Just don't forget about the forest for the tree and don't let your head get to big. I made both those mistakes and you probably will too. Knowing more being better educated has that effect I think. I do know that you are a caring person though.

  10. #30
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Harry Guerrilla View Post
    Stafford loans are subsidized.
    You're getting aid if you use these.
    Not in graduate school. This year they did away with subsidized loans and now all of them are ubsub. They still remain in undergrad though.

    My premise is not that I should not pay or that I am somehow owed free education. My premise is that I don't think it's right to fund undergrads and provide aid while graduate students heap massive amounts of debt and have aid completely rescinded.
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