View Poll Results: How much college debt do you or your kids have?

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  • <$10,000

    5 9.09%
  • <$25,000

    5 9.09%
  • <50,000

    7 12.73%
  • <100,000

    2 3.64%
  • >100,000

    5 9.09%
  • no college debt

    31 56.36%
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Thread: How much college debt do you or your kids have?

  1. #91
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by Fiddytree View Post
    Community colleges, mostly. At a university, which was fairly cheap, I received tuition waivers due to my disability, but had some pretty crappy living situations happen which required substantial fiscal adjustments. I applied to a couple of scholarships, but most were pretty weak or I did not qualify for one reason or another.

    Undergraduate is where they milk you for what you're worth. In graduate school, your goal is to get out with tuition waivers and a part-time job, which would leave you within means to cook up the money for student fees or books. If not, much smaller loans as desired.
    Graduate school is generally much more expensive though. My tuition doubled when I became a grad student. (Both in state tuition at an Iowa state school) I did get several scholarships which helped, and had a part time job even though my program strongly recommended we not work, but didn't come close to covering most of the bills.

  2. #92
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    Re: How much college debt do you or your kids have?

    I have an education savings plan for my children, so when they go to university they won't pay a dime. We live in Canada now where education is cheaper anyway, one of the many reasons why we relocated.

    My own education was costly at about $60k. The specialization I went into was expensive, but with enough academic turnover that those who do graduate don't have enormous problems finding work. I did apply for grants, scholarships, etc... but my demographic did not give me access to very much.

    I do think there are things that can be done to mitigate the cost of education, but we should also acknowledge the sheer amount of luck that goes into success as well. Some people do everything right and still end up bankrupt. Then there is privilege to consider. Some people have it, some people don't. Some schools have special dispensation for the poor or minorities, but on the whole you have to be born financially privileged to retain that privilege. Upward mobility is really hard. The system is mostly designed to hold back the poor.

    If you have dreams of being privileged then you have to pay dearly to make those dreams come true, and in the end you wind up with the disadvantage of huge amounts of debt that still affects lack of privilege, unless, as mentioned earlier, you get lucky.

    The education system in the U.S. is a crying shame. We are financially crippling the up and coming generation and enslaving them to usury before they even get their foot in the door of the job market.

  3. #93
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by Cephus View Post
    I did. I worked full time (more than full time for some of it) and carried a full class load and paid for every penny out of my own pocket. My parents never paid a dime. I never had any debt at all. It's not that hard, it just takes commitment.
    When did you go to college?

  4. #94
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by kerussll View Post
    When did you go to college?
    It's been a long time but I could do the same thing today.
    There is nothing demonstrably true that religion can provide the world that cannot be achieved more rationally through entirely secular means.

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  5. #95
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by Cephus View Post
    It's been a long time but I could do the same thing today.
    Sure, sure. Easy to say when college costs 10x more than 30 years ago.

    A little info on college tuition inflation.

    College Tuition Inflation | Satyagraha - Cultural Psychology

    How much college debt do you or your kids have?-inflation-factors-2-jpg

  6. #96
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    Re: How much college debt do you or your kids have?

    right now around 13k


  7. #97
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by Threegoofs View Post
    Why not?

    I got thru school with a minimum of debt, and I have three kids who are going to be starting college every two years, so I'll have eight straight years of college, six of them with two kids. minimum. I expect at some point each kid will be getting a small loan, because I think having a little 'skin in the game' is important.

    But for those who cant afford it, its pretty clear that the earnings from getting a four year degree over a lifetime are massively higher than no college, so I'd consider the debt to be an investment, not an expense. Of course, you dont have to blow your investment on the most expensive college you can find, but often the colleges that cost more will lead to much better opportunities, and therefore, better earning power and more importantly, better quality of life.

    A driven person can do just as well without a degree.

  8. #98
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by iliveonramen View Post
    I don't have any but most of my friends that do...they just went to expensive schools in order to be competitive in the job market. Their parents couldn't afford to foot the bill.
    expensive schooling does not make you competitive, character, ethics, and drive determine who you are

  9. #99
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by brothern View Post
    No, not at all. This might sound stupid or obvious, but you don't have to work where you work. It's about initiative and the willingness to put yourself out there. I have spent hours writing and rewriting my resume and cover letters and getting feedback from friends. I've probably spent hundred of hours looking for jobs, both online and through asking friends, and I've ****ed up and completely embarrassed myself in tens of interviews as well as doing fantastic in tens more. I'm single and I'm willing to live in cheap places and move to wherever the employer is.

    It pays off. I'm really good at doing interviews now. I also apply the same work ethic to my job. Yes, it's about being good at your job, but it's probably more important to establish good friendship with your boss, coworkers and HR. People hire people they'd be comfortable getting a drink with.
    Sorry for distrusting you. I thought you were an old guy criticizing young people just because it's tradition for old people to criticize the younger generation. I've never heard anybody defend the career strategy that you are describing. It was new to me so I was suspect.

    Anti-poverty measures put a huge limitation on a mobile work force. Young people are often trapped in economically depressed areas by a 30-40 year mortgage. Young people are rewarded with unemployment compensation which gives them little incentive to leave town. Lower salaries are subsidized through food stamps, WIC, Earned Income Credit, Child Tax Credit, housing subsidies, Additional Child Tax Credit and other types of anti-poverty measures. These types of anti-poverty measures do not work good for the individuals receiving incentives to stay in economically depressed areas. These types of programs benefit people like you who are willing to be mobile. It limits your competition thus makes it more lucrative for you to move around from place to place.

    I live in a town with a high unemployment rate. In most cases a high unemployment rate equates to low wages because many well qualified people are applying for jobs. I don't make much money but Uncle Sam makes up the difference to make my life comfortable. I plan to have my mortgage paid off in a few years. After that I should be free to travel to a more lucrative location.

    Good for you brothern. Much of success to you. You seem to be very aware and sensitive to the realities of your environment.

  10. #100
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    Re: How much college debt do you or your kids have?

    Quote Originally Posted by mak2 View Post
    Pay for teachers? You are kidding right? I make more in 2 hours in a clinical setting than I do teaching for 8.
    Where does the money come from to pay the teachers their low wages?

    I'll give you a hint. It starts with a t and ends with uition.

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