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Thread: Compromise Proposal on Student Loans

  1. #31
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by tacomancer View Post
    AA in computer network and BS in business admin (its what they offered at night). I am still in infrastructure, but mostly in security and governance topics these days.
    I had a job as a computer operator (4 to midnight shift) while I was taking classes and trapped raccoons 4 nights/week (during the trapping season) for some extra cash.
    “The reasonable man adapts himself to the world: the unreasonable one persists to adapt the world to himself.
    Therefore all progress depends on the unreasonable man.” ― George Bernard Shaw, Man and Superman

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    Re: Compromise Proposal on Student Loans

    Sames <-- I do some private financial counseling, and it always surprises me when, having figured out how to work hard to get themselves out of a mess, how many people won't, because the mess is more comfortable to them that the work.

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  3. #33
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    Re: Compromise Proposal on Student Loans

    Much like health care America rations higher education by your ability to pay.

    Keep that republican base stupid and brainwashed

    Much of the developed world goes the other way.

    https://www.edvisors.com/plan-for-co...-free-tuition/

  4. #34
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by rickc View Post
    Much like health care America rations higher education by your ability to pay.

    Keep that republican base stupid and brainwashed

    Much of the developed world goes the other way.

    https://www.edvisors.com/plan-for-co...-free-tuition/
    The brain washing is done at higher education. Good raising and or boot camp helps avoiding the indoctrination. Paying as you go will also do that. Earning your tuition while others are subsidized will turn you toward Reagan.

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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by ttwtt78640 View Post
    I had a job as a computer operator (4 to midnight shift) while I was taking classes and trapped raccoons 4 nights/week (during the trapping season) for some extra cash.
    I totally get what you are saying. My hubby worked full time while also being a full time student and we were also busy raising a baby. Never had a student loan. He could afford to pay as he went. Fast Forward to many, many years later. Our oldest daughter who managed to work while attending a community college graduated and has been a surgical tech for over 10 years now. She paid her loan off within a few years of graduating. Our youngest daughter who is 10 years younger than our oldest made a decision to go to College out of State. We helped her as much as possible, but opting for a college in California she will be paying for her education for a many years. Her debt is high. She works full time (as she did during her college years) and will be a minimum of 15 years paying off her debt. Which is not ideal for a young adult starting off a career. But, with that being said I do understand it is her debt. She made the decision and we have taught her to be responsible. I do wish we could find a way to make College less expensive, although I am not a fan for it to be "free".

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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by cpwill View Post
    How would you require that?

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    Have you ever borrowed? All kinds of requirements. I mortgaged a rental property the other day....needed 25% down. I also needed to demonstrate an ability to pay. (Something a Gender Studies Student might have difficulty with)
    I can't tell you how much it pissed me off to have to pay for music appreciation or figure drawing or intro to drama to get a degree in business. My hard earned dollars going to subsidized absolute worthless departments. Fellow students didn't care....someone else was paying. They used to celebrate when a class was canceled; I was looking for a refund.

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  7. #37
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by cpwill View Post
    Students are able to apply for and receive federal loans without the college's permission. If you do this, you will have to change the current system to allow colleges to also veto a loan, before they are put on the hook for a guarantee on it.
    Students can but the universities should bear more responsibility in who they are bringing in and the ridiculous degree programs they are dreaming up. As is, the tax payers are the ones getting screwed in this deal and the Universities are raking in the cash. Before anyone even considers student loan amnesty the Universities should be required to scrub their programs and get rid of their trash degree programs or make those programs ineligible for student loan assistance.

  8. #38
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by cpwill View Post
    From the other thread, an idea sparks:

    1. Allow anyone to re-finance current student loans at federal rates that match the rates we lend to banks (Left Wing Idea)
    2. Immediately cease issuing new federal student loans (Right Wing Idea)
    3. Make all student loans bankruptable after 10 years (so it dovetails with point 4, below) (no one has really pitched this, AFAIK).
    4. Forgive the student loans put under the federal rates after 10 years of payments, not having missed payments (ie: Deferment time doesn't count) (Left Wing Idea with Right Wing Modification)

    What say ye, members of DP? Is this an issue in which there can still be overlap and compromise between the sides?

    Accepting that people will want (and, hopefully, mention below) modifications, which of the options is closest to correct?
    Any except #2 sounds reasonable.
    The government COULD, however, GET out of this business, IF there were a way to offer more tuition subsidy programs for deserving students who fall into certain income categories and who have the ambition and grades to deserve them.

    See, lefty progressives START from a position of "free secondary ed for all", but if a body politic wants to make a compromise counter offer like cpwill just did, I think that some (MANY) liberals will accept the counter offer and try to make something productive come of it.
    (Can we get a show of hands, please?)

    We can do this, we've done it for centuries past.
    Now lather, rinse, repeat for healthcare, immigration, enviro, foreign policy, defense, jobs, and so on down the line.

    It's okay that we fight like cats and dogs about all this stuff, IF at some point we reach THIS point.

    Well done, cpwill.
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  9. #39
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by ttwtt78640 View Post
    I disapprove of rewarding those who failed to repay government loans in any way. Any government loan "forgiven" amounts to simply forcing all taxpayers to convert it to a (tax free?) gift to the "borrower".
    It is sad it took 4 replies to finally state the learned lesson of those who truly participate. It IS just that simple.
    Well put, ttwt!!!
    Regards,
    CP

  10. #40
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    Re: Compromise Proposal on Student Loans

    Quote Originally Posted by TamleeB View Post
    I totally get what you are saying. My hubby worked full time while also being a full time student and we were also busy raising a baby. Never had a student loan. He could afford to pay as he went. Fast Forward to many, many years later. Our oldest daughter who managed to work while attending a community college graduated and has been a surgical tech for over 10 years now. She paid her loan off within a few years of graduating. Our youngest daughter who is 10 years younger than our oldest made a decision to go to College out of State. We helped her as much as possible, but opting for a college in California she will be paying for her education for a many years. Her debt is high. She works full time (as she did during her college years) and will be a minimum of 15 years paying off her debt. Which is not ideal for a young adult starting off a career. But, with that being said I do understand it is her debt. She made the decision and we have taught her to be responsible. I do wish we could find a way to make College less expensive, although I am not a fan for it to be "free".
    Your understanding is wholesome and very American. I am still paying off student loan's taken many, many years ago for my children.They had their own, one is fully paid, the other still being paid. It is unfortunate that some running for office today don't fully understand, as do you and your daughter, that once a promise is made, it ought be kept! Of course, if I get the Democratic nomination, I will pay all/everybody's debt's and steal only a fraction of the national debt!
    Vote CP!!!
    Regards,
    CP

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