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File: 1578916656510.jpg (220.79 KB, 1000x647, serveimage.jpg)

Has the tied turned on student loan debt? Anonymous (ID: 88cc25)Country code: us, country type: geoip, valid:   353155

#Politics
A watershed court case has just concluded. A US court has dismissed a student debt of over two hundred thousand dollars through bankruptcy. In the US, such debt was not allows to be discharged by bankruptcy.

https://www.yahoo.com/finance/news/student-loans-discharged-in-bankruptcy-kevin-rosenberg-190151284.html

The news reports that there is over a trillion dollars in student loan debt. Looks like the Congress has their work cut out to craft a new bill to prevent the abuse banks made over the decades by hiding the real prices of collage loans.

While the following video is a sarcastic parody, the basic truths are well embedded in the narrative.

If Student Loans Were Honest - Honest Ads (College Debt)

/edit
Stupid spell check screwed the title. That should read 'Has the tide turned on student loan debt'.
This post was edited by its author on .

Maroon Auburn!QEUQfdPtTM (ID: 058744)Country code: gb, country type: geoip, valid: 1  353156

File: 1578918301603.jpg (714.58 KB, 1440x1415, 20200113_122450.jpg)

>Spending 200 grand on an education

Rich people problems, wish I could worry about spending 200 grand

I more worry about not affording my electricty bill

🦊 (ID: 314d47)Country code: windows9x.png, country type: customflag, valid: 1  353158

File: 1578919701589.png (112.2 KB, 292x322, 390.PNG)

>>353156
oi cheer up lad, the tories won the general election!
some additional austerity measures are sure to stimulate the invisible hand of free markets into giving to the poor

Tracer Bullet (phone) (ID: f6b4b6)Country code: us, country type: geoip, valid: 1  353159

File: 1578920896449.jpg (182.63 KB, 511x720, 1569210774775.jpg)

Neat

Maroon Auburn!QEUQfdPtTM (ID: 058744)Country code: gb, country type: geoip, valid: 1  353162

File: 1578926169141.jpg (8.62 KB, 236x211, d0c618ce263456dce549a78fd80875…)

>>353158

Belive it or not, nothing is free in this world. You have to work for a living, to earn money, which I do happen to do. After all, money is required in order to purchase goods and services.

And if it's claimed to be free there's a catch, and if there is no catch

It's filthy commie propoganda

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353163

File: 1578926337722.png (135.57 KB, 340x304, kjhkjh99898.PNG)

>>353156
The problem is that its actually poor people problems.
Government loan officers just get 18 year old kids to sign shit without reading it and trap them into a life of debt.
Thats after they've been told for years and years that they need to go to college or they will have failed life. Also, peer pressure telling they they have to have the "college experience" so they cant go to an in state, they have to move and pay for a dorm and food and travel and stuff.

Meanwhile, the garbage collector is making 70k a year debt free with a comprehensive health plan and pention retirement.
Not saying the garbage collector shouldnt get that, i just think its funny that all my teachers told me that isnt what i wanted to "end up being".

They are vulture loans, based on a lie that a degree is a "1 free job" ticket, and its not.
If bankruptcy clears private debt, it should clear student debt too, even if it makes it a risker move for the government to loan the money. I mean hell, they want to give so much away for free, they can forgive the debt of bankrupt individuals who were sold a lie i think.

I got my college loans through a private bank, stayed in state, and only went for 2 years, and worked while i went, so i dont have these problems.

>>353155
Its not the worst typo ive ever seen haha.
This post was edited by its author on .

🦊 (ID: 314d47)Country code: windows9x.png, country type: customflag, valid: 1  353172

File: 1578929531038.png (110.39 KB, 175x349, 404.png)

>>353162
there's nothing quite like having a job and not being able to pay the bills that makes me think "you know what, I do deserve this and in fact I want to be even worse off"

you made it all the way to the "nothing is free" part that right wing dipshits always bring up, but it seems you never questioned what pays for something then

vynn (ID: ca125e)Country code: us, country type: geoip, valid: 1  353173

File: 1578930444250.png (173.18 KB, 308x326, 1494284206632.png)

Hopefully. Fuck student loans.


>>353163
>Thats after they've been told for years and years that they need to go to college or they will have failed life.
I think a lot of it is that so many jobs basically require a college degree. Even ones where you really don't "need" one, but it feels like it's a seller's market for jobs and HR can make such requirements and get away with it.

Not that it's true of all jobs ofc, but it seems highly limiting.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353174

File: 1578931656745.png (124.97 KB, 336x321, 454545454545.PNG)

>>353173
There are a lot of traids that don't require a college degree, that are under staffed because everyone went to college.

Whats worse is all the people who go to college for just like "general studies" because then they dont even specialize in anything, they have no marketable skills, but they have the debt.
College use to be a place where some people went to get specialized education in something that they had a passion for / excelled in. Now its just basically 13th-16th grade, and people are just going through the motions.
To that end, i think an associates degree should just be part of the public school curriculum, and a bachelors degree should be what is considered the 2 year program.
I got fucked in highschool because i wanted to go to the VoTech, but my parents put me in a "college prep" course, and the school put me in neither, so i wasnt learning a trade and i wasnt learning spacific SAT stuff ether. I was just in this weird limbo of random technical and language classes.
So i came out a nobody who was handy at CADD systems and knew how to say hello in Italian but could do nothing with it.

I guess my point is, the way we look at education is kind of screwy to me, like its this "do A and B and get C" thing, that just leads to young adults making huge financial choices and time commitments about careers they picked out of a book based on projected salaries, rather than what they have an interest or aptitude for.
This post was edited by its author on .

!smiles.Drs (ID: 4c75cc)Country code: il, country type: geoip, valid: 1  353177

File: 1578935181252.png (157.12 KB, 352x416, 117.PNG)

Honestly, I feel bad for people that wrapped themselves up in a lifetime's amount of debt chasing a degree, but they did kinda do it to themselves.

Personally I feel like we need to try and remedy the issue by addressing why Tertiary Education is costing more than ever before at rates that are unsustainable instead of just "lol bankruptcy should make the debt disappear".

!SATSUkIQg2 (ID: 70a5b5)Country code: ponychan.png, country type: customflag, valid: 1  353178

File: 1578935439285.png (646.75 KB, 1024x1280, dbs9l5b-75a82fe9-ef83-4baf-932…)

>>353177
I'm partial to the theory that colleges, knowing they might be partially obsolesced if high schools made people workforce-ready, intentionally lobby to keep said schools low-quality in order to preserve their customer base.

And then there's Betsy DeVos.

-Z- (ID: 78aabb)Country code: mlpchan.png, country type: customflag, valid: 1  353179

File: 1578935678188.jpg (12.78 KB, 219x177, 278.jpg)

>currently going to college to get a degree
>not in horrible student debt
>

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353181

File: 1578936708083.png (212.5 KB, 435x428, 454454.PNG)

>>353179
You made the choice after consideration as an experienced adult.
Thats honestly the way it should be done.

!smiles.Drs (ID: 4c75cc)Country code: il, country type: geoip, valid: 1  353182

File: 1578937201572.png (205.41 KB, 339x490, 476.PNG)

>>353178
Interesting Theory.

>>353179
Same when I was in University.

Tracer Bullet (phone) (ID: f6b4b6)Country code: us, country type: geoip, valid: 1  353183

File: 1578937394555.png (911.39 KB, 790x807, 1577322460093.png)

>>353179
I can loan you some money if you want the experience.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353184

File: 1578937542189.png (251.1 KB, 387x564, 1550993998376.png)

>>353183
Ill take $10k.

Tracer Bullet (phone) (ID: f6b4b6)Country code: us, country type: geoip, valid: 1  353185

File: 1578937909903.png (911.39 KB, 790x807, 1577322460093.png)

>>353184
Alright, I'll get the contract written up. My terms are fairly basic, interest is at 10% and if payment isn't fulfilled after 1 year of loan I can garnish 80%of your wages and can take your property to sell to remake money

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353188

File: 1578938640522.png (364.6 KB, 452x430, 1555461119720.png)

>>353185
Pretty standard.

I want cash though, not a cheque.

Tracer Bullet (phone) (ID: f6b4b6)Country code: us, country type: geoip, valid: 1  353190

File: 1578939290793.png (911.39 KB, 790x807, 1577322460093.png)

>>353188
Only applies in person.

-Z- (mobile) (ID: a05fc5)Country code: us, country type: geoip, valid: 1  353194

File: 1578941692890.jpg (20.19 KB, 209x237, 494.jpg)

>>353181
>Adult
Only by age, if I'm honest
>>353183
I have enough medical debt thank you, don't need the student debt experience.

Tracer Bullet (phone) (ID: f6b4b6)Country code: us, country type: geoip, valid: 1  353197

File: 1578942297332.png (911.39 KB, 790x807, 1577322460093.png)

>>353194
If you insist.

Anonymous (ID: 88cc25)Country code: us, country type: geoip, valid: 1  353200

>>353156
>>353174
Mk17 is right. In the 90's when I attended a top 50 US university, I was able to pay out of pocket 100% of the way through my BA. Taking the lower divisions at community college for the first three years with a TAG agreement to the university make that part of paying trivial. The state paid most of the tuition and all I really was out was the price of textbooks, which is a different scam all together.

Now my same degree would require loans and would not insure me anything other than bragging rights to a degree from a major institution. All you really get from college is access to other people who may or may not hire you.

Rich kids get free rides either from their family or writing proposals for research that covers the price of a degree. I was learning how to write proposals for a PhD when I got bored with the process and wanted to do other things.

lp (ID: 30c782)Country code: us, country type: geoip, valid: 1  353209

>>353200
Piled Higher and Deeper

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353217

File: 1578954924386.png (210.47 KB, 327x470, 303303.PNG)

>>353190
You're just trying to lure me to your basement.

>>353194
Counts for something at least.

>>353200
Doing a CC then transferring credits to a uni to finish up the bachelor is always a good move.
Its way cheaper, and a lot of states have requirements that their state colleges and unis have to accept most, if not all, CC credits from the same state.

So much cheaper, but you dont get the "college experience" i mentioned, thats why a lot of folks i knew opted not to do it.

Tracer Bullet (ID: 415d4c)Country code: us, country type: geoip, valid: 1  353226

File: 1578955518329.png (911.39 KB, 790x807, 4aecbceb7a7f8f87a7852d79e8f3fe…)

>>353217
>Basement
>Florida

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353232

File: 1578956225472.png (159.2 KB, 283x382, oikou5656cvc.PNG)

>>353226
Yeah, i thought about that after i posted.
We would get a lot more interesting Florida man headlines if you guys had more basements.

Tracer Bullet (ID: 415d4c)Country code: us, country type: geoip, valid: 1  353233

File: 1578956289353.png (911.39 KB, 790x807, 4aecbceb7a7f8f87a7852d79e8f3fe…)

>>353232
Have the freedom of information act everywhere else and you will.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353235

File: 1578956500012.png (1.14 MB, 1920x1440, 1532612020667.png)

>>353233
This is true, still doesn't change the fact that if there were more basements in FL, there would be more creepy FL man stories.

I guess they would all fill with water though.

Tracer Bullet (ID: 415d4c)Country code: us, country type: geoip, valid: 1  353236

File: 1578956625306.png (911.39 KB, 790x807, 4aecbceb7a7f8f87a7852d79e8f3fe…)

>>353235
They would, yes.

Anonymous (ID: 88cc25)Country code: us, country type: geoip, valid: 1  353237

>>353217
>you don't get the "college experience" i mentioned,
Yeah, you get the 'high school' experience you should have gotten. A high school diploma is worthless given how little anyone learns at that point in their life.

The up side to doing high school over again is if you have weak second language skills and/or need more upper division math skills. CC is where to fix those weaknesses in your transcripts. Doing those lower division classes at a pro level university can be a bitch given they are not really geared for remedial education. At least the good colleges are still that way.

Aury!Tulpa65j4U (ID: 4ad547)Country code: ponychan.png, country type: customflag, valid: 1  353239

File: 1578957404751.png (78.61 KB, 500x350, 35DAFB86-D02B-4BD4-98EB-405D32…)

>>353235
Ah, yes... basements.... Especially useful when soundproofed.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353243

File: 1578958473462.png (493.35 KB, 821x945, Screenshot_2018-08-05-23-17-17…)

>>353236
Indoor pool though.

>>353237
Thats why i say, public education should go up to an associates now, and the bachelor should be the 2 year program.
Though, it really depends on the district, the quality of the HS. My HS was actually pretty good.

Anonymous (ID: 262bdb)Country code: us, country type: geoip, valid: 1  353265

File: 1578965400698.jpg (110.75 KB, 1100x940, 9e935ba382143a9f16cbd3c5928e96…)

As Rockefeller Republican as it is, there's just some services and entitlements that are required for a society to maintain its development. The current system of higher education doesn't really benefit a workforce. It makes them neither more skillful nor learned.

You can switch hiring practices through legislation and executive action, even discourage companies from seeking out visa applicants for entry level positions by making the visa prohibitively expensive compared to just hiring locally.

Though this is unlikely to happen through a system where the two equally undesirable options are "pay for everything for everyone somehow and don't address why things cost so much" or "pay for nothing and make shitloads of money off debtors".

Anonymous (ID: 88cc25)Country code: us, country type: geoip, valid: 1  353267

>>353243
>My HS was actually pretty good.
My theory is that most teens don't want to be in HS, no matter how good it can be. They want it all and they want it now. Instant adulthood. That emotional position ruins education for that period of a person's life. It was the same for me. I just wanted it over.

It took five years to figure out putting off a degree couldn't wait very long. Working in construction was good money but a crap future of feast and famine. Three months of downtime leaves a dent in the checking account.

>>353265
>It makes them neither more skillful nor learned.
The way most business see a good degree leans more on the simple reality that you have a job candidate who can learn. That's gold. It's not what you already know. It's the fact you can learn how do do complected things that makes you valuable. Or it used to before cheap imported labor became too common to pass on. Even if someone from India or Japan wasn't perfect, they were cheaper on average than an American who would jump ship at the first sign of a better gig.
This post was edited by its author on .

Mein!/Yui/vFl7I (ID: 80ed00)Country code: getchan.png, country type: customflag, valid: 1  353269

So fucking stupid. Do I get mortgage forgiveness then? I want my home to be free.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353271

File: 1578967719417.png (105.02 KB, 256x255, hjhj7887sasa.PNG)

>>353267
I think you should go to elementary school, then work, then middle school and high school, then work, then college.
We educate people when they are least receptive to it, which is silly. Let humans dig and build when they are most happy to do it, then give higher education when they are receptive to it.
We do it backwards.

Im not completely serious about that, but its kind of true.

>>353269
You do get mortgage forgiveness in a bankruptcy.

!cpbuwI00Vo (ID: 1e442a)Country code: us, country type: geoip, valid: 1  353272

File: 1578968090637.png (45.36 KB, 572x618, ouch.png)

Just found this open on a work computer.

Anonymous (ID: 262bdb)Country code: us, country type: geoip, valid: 1  353273

File: 1578969060834.jpg (147.63 KB, 1000x706, 6e60955498f6d6c5df337c140564ee…)

>>353267
>you have a job candidate who can learn
To be honest, I'm not even sure if that is even seen as true anymore. It genuinely feels like degrees are boxes to check to weed out applicants and honestly, not much else.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353276

File: 1578974008211.png (171.18 KB, 317x400, 4545kjkj2.PNG)

>>353272
Oof.
Hope thats for a house, or they have a doctorate.

(ID: 736757)Country code: at, country type: geoip, valid: 1  353295

File: 1578984111827.jpg (25.73 KB, 336x322, dash135.jpg)

>>353272
12 % interest when interest rates crawl around between 0 and 2 %? Fuck that.

lp (ID: 30c782)Country code: us, country type: geoip, valid: 1  353305

>>353232
Just cuz its full of brackish lukewarm water doesnt mean you dont have a basement.

Edit sorry lukewarm salty mud and aligators, i guess.
This post was edited by its author on .

!cpbuwI00Vo (ID: d1e09e)Country code: us, country type: geoip, valid: 1  353376

>>353276
Actually just finished talking to him. He's going back to school. He did oncology but wanted to move up, so he's going back for more school.
He also has a baby on the way.
Mega zoinks man.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353522

File: 1579102114778.png (228.75 KB, 457x414, 1552620487742.png)

>>353376
Yeah, that'll rack up the bills right quick.
Sounds like he is doing well for himself though.

Anonymous (ID: be537c)Country code: us, country type: geoip, valid: 1  353540

File: 1579103237495.gif (1.98 MB, 480x360, Eating a riceball.gif)

Unless you more or less have an idea of what you're going to do in a practical field that you can see yourself getting into and paid for...

College is a scam.

Don't get me wrong, I'm not saying that higher education is a bad thing or anything like that. If you've got the money and the means, go for it.

But college is overpriced and often preys on those who aren't aware of the traps that it can let you fall into. The last thing on earth I would want to do is end up in debt over an art degree.

College should be free. Education is priceless.

Mk17(phone)!!Trixie (ID: 5a04f8)Country code: us, country type: geoip, valid: 1  353548

File: 1579105978361.png (348.51 KB, 649x662, 1532972894354.png)

>>353540
>College should be free. Education is priceless.
I tend to agree.
My state raised taxes to cover free community college tuition, and at first i was kind of mad, because its only free if you graduated highschool after 2017, so im paying for free tuition for people, but when i take classes, i still have to pay full price.

Kind of lame, yes, but the more i thought about it, the more i came to the realization that it has to start somewhere, and its just unfortunate that im in the position im in.
The benifit to the future is worth it.

Shiny Puppy (Element of Fleas) (ID: e3f74d)Country code: us, country type: geoip, valid: 1  353588

File: 1579118531146.png (66.68 KB, 205x320, 3344_-_derpy_hooves.png)

>>353540
>Unless you more or less have an idea of what you're going to do in a practical field that you can see yourself getting into and paid for...
>College is a scam.

You mean I shouldn't waste 4 years of everyone's time and get some degree there's no market for? If you need someone to tell you this, you weren't college material in the first place.

(ID: 7a46af)Country code: us, country type: geoip, valid: 1  353603

File: 1579119945826.png (249.36 KB, 432x515, 1576336001749.png)

>be government and create student loan program
>let it go and leave it to the hands of bankers
>government wants to pass a law to fix the mess it created
Oh okay then.

Anonymous (ID: be537c)Country code: us, country type: geoip, valid: 1  353606

File: 1579127652143.gif (1.13 MB, 400x400, Riot.gif)

>>353588

Wouldn't that make you the epitome of college material?

Mein!/Yui/vFl7I (ID: fa577e)Country code: getchan.png, country type: customflag, valid: 1  353620

>>353271
Should have used my memetext, I was replying to

>Looks like the Congress has their work cut out to craft a new bill to prevent the abuse banks made over the decades by hiding the real prices of collage loans.


specifically, and making a comment on the concept of student loan forgiveness in general.
This post was edited by its author on .

Mk17(phone)!!Trixie (ID: fc5bca)Country code: us, country type: geoip, valid: 1  353629

File: 1579143577384.png (228.75 KB, 457x414, 1552620487742.png)

>>353620
Well, its only "forgiveness" in the way that a bankruptcy will cover it, which brings it in line with all other types of loans.

The biggest thing that i can see as an argument against it is that an education cant be repossessed, but neither can food or fuel, so its kind of a moot issue.

But as it stood for ... ever... If you declaired bankruptcy, your student loans would be one of the only things that isn't covered, and honestly, thats not right imo.
This post was edited by its author on .

lp (ID: 30c782)Country code: us, country type: geoip, valid: 1  353631

File: 1579145192822.png (100.99 KB, 2400x1500, 8d30e0c554dc81bddf7fc3d5ea528e…)

>>353629
Im too lazy to read it and form my own opinion.

Do you think this changes dischargeability of other people's student debt, or is it just a one-off?

Mk17(phone)!!Trixie (ID: fc5bca)Country code: us, country type: geoip, valid: 1  353654

>>353631
Even if its a one off, it will still give a precedent to build from.


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