Yeah, the economy has everything fukked up.
But even if you come out of college at 22, making 40k with 50k of debt.
That better then working fast food or retail making $8 dollars a hour working $25 hours a week trying to pay for college as you go.
Given Up On Student Loan Payments
- Thread starter ltheghost
- Start date
Yeah, the economy has everything fukked up.
But even if you come out of college at 22, making 40k with 50k of debt.
That better then working fast food or retail making $8 dollars a hour working $25 hours a week trying to pay for college as you go.
Domingo Halliburton
Handmade in USA
no but i wasn't looking at it from that angle. the guy i quoted made it sound like you can't get a job until you're 18.
$1,000 is like the cost of one undergrad class and that's excluding books and shyt
Breh, you do tend to have a scolding tone. But this is the same problem I have with SATIL all the time. You try to use individual outcomes to make societal critiques or statements. Don't get me wrong, I'm pretty sure it was me and like 2 other people vs. the entire forum when cats were crying about it's unfair to make people have to make college decisions at 17, but sometimes you have to look at the entire landscape. I never said you couldn't do it, don't shift the argument to ignore all the facts I just launched at you. More power to you if you do, but even that would be a unique situation because the average family with kids going to college is more than just 1 child. But I would never hate on anyone doing the right thing or tell them they can't. I just point out odds and that it should not be that way and that we should fix these things. I will always judge a society by it treats its worst off.
My student loans were that low because I was a cheap ass...went to Community College my first 2 years.
I would imagine that 100K+ in debt for people in my situation trying to make it out there alone.
100K in debt is a headache to try and manage...my sister went through hell for about 2 years because she refused to leave NYC, wanted to drive, and had trouble getting a job initially. Not everyone is built to handle that kind of stress breh.
Say you start school at 18 and you're able to save $1000 per year from the time you were 14. When it's time to start say a community college you have $4000. That covers a year worth of school right there with some left over. You keep saving until you pay for the next year. You still want to try for scholarships and grants and anyone that can read can get one. You have to do the work.
I mean the assumption would be that as you keep working you are able to save more because you get promotions or increases or whatever. But it's doable, it's just a discipline required.
I don't think anyone is thinking that they'll graduate making 100k, these are the massive exaggerations that distort the conversation. What they're thinking is that they'll be in a position to enjoy their life working a respectable job. A lot of the unemployment right now has little to do with the government. Most people in society would rather make 40k as an administrative assistant than 60k as a plumber. Yet, the latter is in demand and can't fill its openings. What has happened is that for a long time you could do whatever you wanted as long as you had a college degree, but now with more and more people graduating, employers have started to demand more and only a few specialized fields are so under-filled as to not expect that of you (STEM). When the economy went down employers realized that they could just overwork one person and have them do the job of three. Now they're looking for new recruits who can do all of that. College degrees are not high school equivalents, people with college degrees still earn more, it's just that now the debt is crushing.
There is nothing that makes me different than the average working class black woman. I just think differently and I feel strongly about student loans. I'm paying them back now and I would never let my daughter borrow money for school. So I make saving for her education a priority. If sharing my opinion is scolding, then so be it.
Do you realize how unrealistic this scenario is....basically you're telling that teenager to forget high school sports and extracurricular activities which are basically required to get into good colleges these days anyway. Not to mention there is a cap on how many hours part-timers, especially minors, can work and how late.
No, there are not scholarships for anyone who can read. There are a bunch obviously, but even then they only pay between like 500-2500 usually and often are not renewable yearly. That's basically, one course. You keep giving all these scenarios and YET you refuse to acknowledge that the cost of tuition has risen faster than ANYTHING over the last 20 years and that structural problem should be addressed. You keep looking for ways to rationalize the affordability of something that shouldn't cost as much as it does. Let's start with talking about bringing down the unreasonable costs before we even get to how to pay for said unreasonable costs. Your scenario becomes much more reasonable if it didn't cost me a new car each year to go to school.
I was exaggerating about the equivalent, but you are looking at some situations in where some straight out of high school probably keep more in pocket after bills are paid if they are smart about it for the first 10+ years.
In 10+ years if you are tight with your money might be able to get you a decent home somewhere in the midwest/south. Simple living is not always bad and in fact I think most would prefer it till this day. The problem is that you have situations in which you are pressured the minute you get to the 11th grade as to what you want to do with your life. Its unrealistic to expect many good answers at that age. I think I have gone back and forth with @88m3 about this...break it down in terms of MONEY.
You are basically handing over an unlimited amount of funds to 17-18 year old kids and expect them to pick their major/careers wisely. What is the cap on a Bachelors these days? 120K? Flip the scenario a bit and ask those same kids that question, but instead give them cash. Would anyone do it? Hell no, so why expect the majority to make smart decisions about where they want to go at such a young age?
Economics needs to be focused on more in High School. Maybe I experienced it differently than you did. Going to School in Kentucky I met a few people with some crazy idea that they were about to get PAID once they stepped off campus. 80K+ in debt? "Nah that's NOTHING...I am about to get PAID" was the attitude. I was just sitting there like...YEAH
I would imagine that Lexington is not an exception. Apart from the bad rep Kentucky has, Lexington is a pretty smart town.
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Field Marshall Bradley
Veteran
Ahh. My bad
I'm a STEM guy but I have my own reservation about college education...I think half of the degrees being put out are useless.
And I hate the fact that every basic decent job now requires a college degree
We have two receptionist who take phone calls at this company do you know BS degree was a requirement for this job?
Colleges have created many garbage majors just to take the monies of those who shouldn't be there
Who loans someone with no collateral 120 gs, unless they have an agenda...
she knew she had no way of paying that shyt back and she still took money
And you can't get out of paying federal student loans breh.
I was exaggerating about the equivalent, but you are looking at some situations in where some straight out of high school probably keep more in pocket after bills are paid if they are smart about it for the first 10+ years.
In 10+ years if you are tight with your money might be able to get you a decent home somewhere in the midwest/south. Simple living is not always bad and in fact I think most would prefer it till this day. The problem is that you have situations in which you are pressured the minute you get to the 11th grade as to what you want to do with your life. Its unrealistic to expect many good answers at that age. I think I have gone back and forth with @88m3 about this...break it down in terms of MONEY.
You are basically handing over an unlimited amount of funds to 17-18 year old kids and expect them to pick their major/careers wisely. What is the cap on a Bachelors these days? 120K? Flip the scenario a bit and ask those same kids that question, but instead give them cash. Would anyone do it? Hell no, so why expect the majority to make smart decisions about where they want to go at such a young age?
Economics needs to be focused on more in High School. Maybe I experienced it differently than you did. Going to School in Kentucky I met a few people with some crazy idea that they were about to get PAID once they stepped off campus. 80K+ in debt? "Nah that's NOTHING...I am about to get PAID" was the attitude. I was just sitting there like...YEAH
I would imagine that Lexington is not an exception. Apart from the bad rep Kentucky has, Lexington is a pretty smart town.
Our guidance counselors were a little better than that lol. But you're thinking about it the wrong way. 17 to 18 year olds do not need need to know what they want to major in at that age. They won't have to declare until two years later when they're 19 or 20. At that point you've been thinking about what you may want to do for about 4 years. The problem is that they're not given proper information about the ROI. People think just having a college degree is enough and there's not enough information about majors, careers, salaries, employment rates, etc. The government is working towards fixing that now. But college never should be that expensive in the first place, and that's why we're at where we're at. Basically, there is more focus on grades and extracurriculars and less focus on the merits of certain degrees and what will be a rational amount of debt coming out of an institution. If you give people that, you would see more saving, less loans taken out and more people would be less prone to declare for certain majors.
The perfect example is the legal field. Right now only something like 55% of law school graduates are coming out and getting jobs that actually required their JD, this information has led to great declines in the amount of people taking the LSAT and the amount of people applying to law school. Give people the information. HOWEVER, some people will just do dumb shyt regardless. I haven't read this article but sounds like this woman is a fool based on the posts.
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Do you realize how unrealistic this scenario is....basically you're telling that teenager to forget high school sports and extracurricular activities which are basically required to get into good colleges these days anyway. Not to mention there is a cap on how many hours part-timers, especially minors, can work and how late.
No, there are not scholarships for anyone who can read. There are a bunch obviously, but even then they only pay between like 500-2500 usually and often are not renewable yearly. That's basically, one course. You keep giving all these scenarios and YET you refuse to acknowledge that the cost of tuition has risen faster than ANYTHING over the last 20 years and that structural problem should be addressed. You keep looking for ways to rationalize the affordability of something that shouldn't cost as much as it does. Let's start with talking about bringing down the unreasonable costs before we even get to how to pay for said unreasonable costs. Your scenario becomes much more reasonable if it didn't cost me a new car each year to go to school.
You know what, I give up. Your "mindset is different" than the average black womandoes that mean and what does that have to do with anything... This is a societal problem, acknowledged on a global scale. Yet, you want me to sit here and place the blame exclusively on individuals when the parties in the best position to alleviate the situation are government actors and the universities themselves....
What is so ridiculous about saving up money for education?
Sports are not necessary in getting into a good school. Unless you're using them for scholarships, then it's pretty much a personal decision. Also, there are NON SPORTS related scholarships. You can still pursue extracurricular activities, work and go to school. My nephew does it now LOL!
I was using a specific example where dude said he saved up 1000 in 10 months at age 14. If he kept that up from 14-18 he'd have money to pay for a year at community college. If he continued to work AND go to school (which is not impossible or unheard of), he could have enough to pay for the next year pretty quickly. Again you keep up with this type of hustle until you reach your educational goals. Getting out of school, debt free making 4x than what you're used to sets you up nice in life Graduating with debt puts you behind.
The reality is that the cost of education is going up. Along with the cost of everything. Does that mean I agree with it? No, but I prepare for it by saving. The reason behind Why college is so expensive is a completely different topic altogether. My point is that you don't have to take out student loans in order to go to college and I've given several ways how you can pay for it by NOT borrowing yet you YOU think it's impossible. I don't think that way. Again if saving up a few thousand dollars over a period of time is impossible, then your financial future is so crazy limited. I don't have a goose, shytting out golden eggs helping me along the way. I just have a job, a budget and financial goals. Nothing more than the average working person has. LMMFAO at me disappointing you. I don't even know you.