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. #51
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by X Factor View Post
    Digs, you know that the only thing subsidized in a subsidized loan is interest while in school, right? You're still obligated to pay those back and interest does start accruing once you graduate.
    Yes, I know this. 4 years of compounded interest is a lot of money though at 6.8% versus no interest or very minimal interest accruing.
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  2. #52
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by Harry Guerrilla View Post
    True, for good reason too.
    The interest rates and credit terms are very generous.



    Stafford loans are still subsidized.
    You would never, and I mean never, get a 6.8% interest rate for a student loan, in the private market.
    Like I said, the government is not a private lender nor do they exist to turn a profit. They also impose much harsher repayment rules.
    I can refinance the terms of a mortgage if, I have decent credit (which includes a whole bunch of other factors like, DTI, payment history, the pressence of negative credit items, etc.) and enough equity.
    If someone makes lots of money upon graduation should they be allowed to refinance their student loan debt from 6.8% through the federal government?
    If that's the case, no student should get any aid.
    The taxpayer is picking up the slack of students.
    Students like me will benefit the taxpayer by paying a net profit to the federal government. Depending on my payment plan they will may $70,000-$150,000 off of me in interest (not to mention money from my personal income taxes and whatnot).
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  3. #53
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    Re: Should anything be done for graduate/professional students?

    Quote Originally Posted by digsbe View Post
    Like I said, the government is not a private lender nor do they exist to turn a profit. They also impose much harsher repayment rules.
    They should earn something off of lending money to high risk individuals.
    6.8% covers the expenses of issuing the loans, among other operations of the education department of government.

    Quote Originally Posted by digsbe View Post
    If someone makes lots of money upon graduation should they be allowed to refinance their student loan debt from 6.8% through the federal government?

    You can't refinance a loan, just because you make lots of money.
    It's a lot more complicated than that.

    You need to learn a lot more about the lending process, credit qualifications, etc. before expressing these opinions.

    Quote Originally Posted by digsbe View Post
    Students like me will benefit the taxpayer by paying a net profit to the federal government. Depending on my payment plan they will may $70,000-$150,000 off of me in interest (not to mention money from my personal income taxes and whatnot).
    Maybe and maybe not.
    There is no guarantee that you'll be making tons of taxable money.
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    Re: Should anything be done for graduate/professional students?

    Yes, we should all do something.........

    We should stand back, & give them a resounding applause for their accomplishments, then shake their hands & wish them all the very best in their pursuit of a wonderful future. Remind them to take nothing for granted, that success is a byproduct of hard work, & perseverance coupled with good luck & fortune.

    As far as should something be done, as in giving them special privilege, position, or financial assistance?

    Should anything be done for graduate/professional students?-nono-gif Absolutely not.

    Anything worthwhile in life should be gotten the old fashioned way-----they should earn it.

    It will mean more if they do. Should anything be done for graduate/professional students?-good-gif
    Last edited by SmileyFaze; 05-20-12 at 02:15 AM. Reason: afterthought

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

    Quote Originally Posted by X Factor View Post
    Gina, if it wasn't for the loans some of us might not have a ship to anchor in the first place (I think I lost myself somewhere in the metaphor. ).
    LOL...I mix my metaphors too X.

    I realize loans are necessary and for a good purpose. It's just the size that makes me wince. It would be nice if students didn't have a mortgage sized weight to start out their lives. Such was not the case back in my day.
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  6. #56
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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.
    And you believe this ?
    "If its too good to be true, then it is probably NOT !"

  7. #57
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    Re: Should anything be done for graduate/professional students?

    Other
    and I am in the majority, as if this matters....lol...
    The rates are high enough....we are reaching the point where our government should take over the banks..
    The student loan rates should stay at 3.4; and they should not be subsidized.

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

    Quote Originally Posted by Gardener View Post
    Should we assume yours is not in English?
    very cute. sad...but cute.

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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.
    It depends on what sort of grad school you're going to. I went to grad school in physics and didn't pay for any of my graduate schooling. I had to teach for the first few years, and then I had to do research for the rest of the time. But essentially my tuition was covered and I made about 22K a year. Not a lot, but you can live pretty cheap as a grad student. Math, Physics, Chemistry, some Biology (depends on competitiveness of field) you basically won't be paying for grad school.
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  10. #60
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    Re: Should anything be done for graduate/professional students?

    Get the government out of education, so that students don't have to pay for mistakes of politics. You go and try to make a better life for yourself and you got to pay tens of thousands of dollars in debt. Government involvement very rarely makes things better.
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