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Feds: New student loan repayment options set

j-mac said:
Just stop the diversion, and stick to the topic, k?
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You diverted, not me. You use a lot of misinformation and inaccurate comparisons.
 
j-mac said:
Oh, so you're saying that only Quebec is having problems with the HC system costs in Canada? Is that what I am reading?
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Part of the reason is that, Quebec likes to operate separate of the other provinces and organizes itself different leading to increased costs. A 1% tax increase is also preferable to not having UHC.
 
0bserver92 said:
Part of the reason is that, Quebec likes to operate separate of the other provinces and organizes itself different leading to increased costs. A 1% tax increase is also preferable to not having UHC.
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No, I just want to be clear before I destroy that particular claim from you....Are you saying that only Quebec is having HC budget problems?
 
Boo Radley said:
You diverted, not me. You use a lot of misinformation and inaccurate comparisons.
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What ever Joe, I am not amused by your method of dishonest debate at the moment, so try that crap elsewhere, it is boring.
 
j-mac said:
No, I just want to be clear before I destroy that particular claim from you....Are you saying that only Quebec is having HC budget problems?
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It's not the only province having issues but it isn't being helped by it's isolation from the rest of Canada. It is part of the budget you just can't cut healthcare it is seen as a necessary part of government and society in Canada and cannot be removed or cut. We still spend less than the U.S. on healthcare in fact every country in the world does.
 
j-mac said:
What ever Joe, I am not amused by your method of dishonest debate at the moment, so try that crap elsewhere, it is boring.
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J, there's nothing dishonest from me. You threw out a false comparison. Not anyone else.
 
0bserver92 said:
It's not the only province having issues but it isn't being helped by it's isolation from the rest of Canada. It is part of the budget you just can't cut healthcare it is seen as a necessary part of government and society in Canada and cannot be removed or cut. We still spend less than the U.S. on healthcare in fact every country in the world does.
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Not disputing that, I am however saying that it is bankrupting your country. Your taxes are nearly double what mine are. And Canada, as well as most other countries under a single payer system, are moving away from it.
 
Boo Radley said:
J, there's nothing dishonest from me. You threw out a false comparison. Not anyone else.
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Give it up. I have tried for two pages now, with a straight forward question, to get you to back up your assertion. Your game is played out....It is a bore.
 
j-mac said:
Not disputing that, I am however saying that it is bankrupting your country. Your taxes are nearly double what mine are. And Canada, as well as most other countries under a single payer system, are moving away from it.
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It is an integral part of society and we are finding ways of making healthcare more efficient and reducing costs, public sentiment towards private healthcare has actually gotten worse. Unlike Canada taxes are a thing we live with, since we feel we are getting our worth out of it, your children can still receive a quality public education, some of the best healthcare in the world, funding of culture and unique arts, etc. The "don't tax us man movement never really caught on since Canadians identify with things that their taxes pay for. We also a much more Liberal culture than the U.S. especially Quebec where even rural areas are Liberal and they have no Conservative party provincially.
 
j-mac said:
Give it up. I have tried for two pages now, with a straight forward question, to get you to back up your assertion. Your game is played out....It is a bore.
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That's nonsense j. What do you think you need backed up?
 
MAcc2007 said:
I really respect your wife for choosing that career. With Obamacare coming down the pipe and the need for the government to control costs, it will be doctors who will see their pay reduced.

The tricky thing about student loan debt is that students are typically very poor during their school years. If you allowed them to run up excessive loans and then file bankruptcy then you would see a ton of students defaulting on their debt before diving into their careers. Not only that, loaning institutions would then have to raise their interest rates to cover the risk associated with non-payment. In other words, student loan rates are held lower than they otherwise would be because students aren't able to graduate and then file bankruptcy. Lower interest rates benefit students.
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I think though, that interest rates for say a medical student could be lower than that of a college student... Just a hunch but I'm willing to bet those who make it through 4 years of medical school are likely much much more likely to repay, than those who make it through 4 years of college... 6.8% in today's market is very high...

It's a hard career, so many people assume that doctors make a lot of money. They don't. My wife will finally start making around 45,000 for 3 years during residency... Hardly the $300,000 the calculators say she needs to support that type of loan payment we will have... And even when she gets through residency, it's likely she will only make $100-120,000 which sounds like a lot, but not with the debt we have taken on and the fact that we want to have a family. But she loves pediatrics (that's what she is going into) and likes taking care of people so she isn't too worried about the money. It is hard when people just claim doctors are rich.... That we can pay doctors less. As clearly they have no idea...
 
0bserver92 said:
It is an integral part of society and we are finding ways of making healthcare more efficient and reducing costs, public sentiment towards private healthcare has actually gotten worse. Unlike Canada taxes are a thing we live with, since we feel we are getting our worth out of it, your children can still receive a quality public education, some of the best healthcare in the world, funding of culture and unique arts, etc. The "don't tax us man movement never really caught on since Canadians identify with things that their taxes pay for. We also a much more Liberal culture than the U.S. especially Quebec where even rural areas are Liberal and they have no Conservative party provincially.
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And that may be absolutely fine for you, and other Canadians...I have no quarrel with that. But, it is presumptuous to believe that the Canadian model would work in America. That would be our affair to accept, or reject.
 
KevinKohler said:
Um.....er...I'm not sure if this is an insult...or not....I'm SO CONFUSED!!!!
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Sorry, I should have been more clear...No insult intended....It was actually a shot at Kennedy for starting the course of exponential student loan increase....
 
0bserver92 said:
Controlling tuition costs and offering grants to reduce costs. Especially medical students should be given large grants for medical school as to increase the numbers of doctors.
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Couldn't agree more.

j-mac said:
Who's gonna pay for that? The magic money fairy?
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Well if you look at med students one must understand where the tuition goes and how it works. For 2 years you do course work or classes (there is little you can do to reduce the cost there). But then the 2nd two years you work in hospitals. Let me say that again, for the second two years you WORK in hospitals. And pay to work. Now my wife is med student, she is in her 4th year. She is currently working 75-80 hours a week, doing all the same functions of a resident (who make approx $45-50,000 a year) and we pay $40,800 in tuition alone to allow her the privilege to do this. Now I'm not saying charge her nothing, but those hospitals who are getting free labor should subsidize some of the cost... Even if it were half it would have saved my wife and I $40,800 in debt plus 6.8% interest. That would save us approx $57,000 over the 10 year period of paying back the loans.
 
j-mac said:
Sorry, I should have been more clear...No insult intended....It was actually a shot at Kennedy for starting the course of exponential student loan increase....
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I THOUGHT that's what you meant....but I wasn't 100% sure, lol.
 
j-mac said:
Who's gonna pay for that? The magic money fairy?
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Just to note for reference, I am on board for the magic money fairy. It's our secret weapon against the rest of the world. The King Midas of economics, if you will.


Magic Money Fairy, 2016!
 
0bserver92 said:
It's not the only province having issues but it isn't being helped by it's isolation from the rest of Canada. It is part of the budget you just can't cut healthcare it is seen as a necessary part of government and society in Canada and cannot be removed or cut. We still spend less than the U.S. on healthcare in fact every country in the world does.
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I dunno, I'm pretty sure I've seen other countries cutting health care.
 
Harry Guerrilla said:
I dunno, I'm pretty sure I've seen other countries cutting health care.
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Well here you can't, you just can't unless you want your and anyone associated with you, popularity to crash and burn.
 
0bserver92 said:
Well here you can't, you just can't unless you want your and anyone associated with you, popularity to crash and burn.
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Well to be fair, Canada hasn't really experienced much of any recession.
In the future, it may not be so rosy.

The aggregate of OECD nations have cut spending on medical care.
 
RLWSNOOK said:
Couldn't agree more.



Well if you look at med students one must understand where the tuition goes and how it works. For 2 years you do course work or classes (there is little you can do to reduce the cost there). But then the 2nd two years you work in hospitals. Let me say that again, for the second two years you WORK in hospitals. And pay to work. Now my wife is med student, she is in her 4th year. She is currently working 75-80 hours a week, doing all the same functions of a resident (who make approx $45-50,000 a year) and we pay $40,800 in tuition alone to allow her the privilege to do this. Now I'm not saying charge her nothing, but those hospitals who are getting free labor should subsidize some of the cost... Even if it were half it would have saved my wife and I $40,800 in debt plus 6.8% interest. That would save us approx $57,000 over the 10 year period of paying back the loans.
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The issue there is insurance.


it's that whole, illusion of safety thing, again.
 
One should note that canada is a massive country, that is only heavily populated is small areas...the rest....pretty sparse. In essence, it's like a SMALL country, but with HUGE resources.
 
Harry Guerrilla said:
Well to be fair, Canada hasn't really experienced much of any recession.
In the future, it may not be so rosy.

The aggregate of OECD nations have cut spending on medical care.
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The Conservatives said they would cut healthcare and their popularity was in freefall till they said it was a mistake and they promised not to. Cutting healthcare is practically throwing you and your party out of a really high window.
 
KevinKohler said:
The issue there is insurance.


it's that whole, illusion of safety thing, again.
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Not sure what you mean about insurance, hospitals have to have insurance as students are working there already....

So this does not increase the amount of insurance any hospital would need...

But a hospital is able to see more patients when students are there, largely because they make students do the grunt work, making the doctors work more efficient, and requiring less staff in terms of nurses or residents... All I'm saying is tuition for medical school should go down during this period, as hospitals are able to make more money while students work for them.
 
0bserver92 said:
The Conservatives said they would cut healthcare and their popularity was in freefall till they said it was a mistake and they promised not to. Cutting healthcare is practically throwing you and your party out of a really high window.
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Well, it's one of the, if not the biggest budget item for most developed nations.
It's always going to have a bulls eye on it for cuts in hard times.
 
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