View Poll Results: Is there a moral obligation to repay money you borrow?

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  • If you borrow money, you are morally obligated to repay it.

    110 34.48%
  • I feel no moral obligation to repay loans I've taken out

    209 65.52%
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Thread: Are you morally obligated to repay a loan that you take?[W:461]

  1. #541
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Papa bull View Post
    There is the problem. You don't get morality at all. What you do cannot make you moral. What you do can make you immoral, though. Morality isn't an action. Morality is the state of your character.
    *cough*bull****
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by X Factor View Post
    I wouldn't say that (at all) but there is a clear partisan divide in the answers and it's really interesting to watch.
    I haven't seen any non-liberals saying they have no obligation to pay back loans though. Certainly not all self-identified liberals are dicks, but there sure seem to be a lot of them around here.
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  3. #543
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    Re: Are you morally obligated to repay a loan that you take?[W:461]

    No more than those who "do not take out a loan." We're a nation of deadbeats, $17 trillion or whatever in debt. Every single citizen owes some $56,000 and has no intention of repaying it.

  4. #544
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by X Factor View Post
    Really? I've paid my student loans back early because I felt an obligation to pay it so put that in your juice box and suck on it.
    With the added benefit of not accumulating more interest, if i understand right. It's probably not so simple either. If you went to a public college, you got a subsidized education. If you went to a college with an endowment in billions, or high school in kalamazoo, you don't need loans at all. It should be one of the earliest lessons that supposed egalitarian policies are in fact beyond our control.

    Student loans are mostly given by the fed, which makes enormous profit off saddling with debt for seeking an education that often never proves worth the expense. The same fed is itself a deadbeat borrower - some $17 trillion and ever increasing.

    How can a senator who does nothing but suck off the public tit demand 17-18 year olds pay off loans they simply do not have the means for, rather than vote for refinancing? How can any middle aged adult who owes (on average) $56,000 from various fed programs (military etc), or the 53% who pay *no* fed income taxes, chastise a broke college kid?

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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Papa bull View Post
    Your quote.



    The fact that I've seen so much of this kind of rationalizing such unethical, irresponsible, immoral and self-serving drivel just lowers my opinion of people, in general. I realize many have no honor or integrity and feel no moral compunction to hold up their end of their own agreements. It's sad. America used to be better than this.
    No it didn't. It's just that college didn't use to cost $40,000 whether you benefited from it or not

  6. #546
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by X Factor View Post
    Seriously, take a look at this thread. If all you had to go on we're the answers given in this thread, who would you most likely and comfortably loan money to?
    It is a self selected non-scientific poll. You cannot draw those kind of conclusions from such a poll.
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  7. #547
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by SouthernDemocrat View Post
    It is a self selected non-scientific poll. You cannot draw those kind of conclusions from such a poll.
    I agree with that, but just speaking of the people involved in this thread, I know who I'd be willing to loan money to and who I wouldn't.

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    Re: Are you morally obligated to repay a loan that you take?

    `
    The real question should be is the lender morally obligated to show forbearance, mercy and charity towards the borrower?

  9. #549
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Paxaeon View Post
    `
    The real question should be is the lender morally obligated to show forbearance, mercy and charity towards the borrower?
    No. That would be another question for another thread.
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  10. #550
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    Re: Are you morally obligated to repay a loan that you take?

    Quote Originally Posted by Paxaeon View Post
    `
    The real question should be is the lender morally obligated to show forbearance, mercy and charity towards the borrower?
    It is a good question.

    The problem comes with the moral hazard. Loan forgiveness can quickly become an incentive to dive deeper into debt, or at least not to change ones' habits and circumstances.

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