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  1. #12
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    Stop the federally funded student loan program and watch college tuition rates plummet to a far more affordable rate. Universities will be fighting for students. Student loans are the primary reason college and university tuition rates have skyrocketed in the last decade.

    ...

    You can't say that!!! It might make people get rid of a federal subsidy program, and then nobody will be able to go to college and the economy will collapse! So what if it's true and will work? Feelings are more important than thought. It's compassion that counts, not reason. Won't somebody think of the children!?!

    ..

    Perhaps the high schools should spend a little time teaching cost/benefit analysis.

    ..

    That would require actual teaching, not indoctrination to the culture of victim-hood.

    ..

    $60,000 in student loans to get a degree in general studies and they can’t understand why they can’t get a job with a starting salary of $70,000.

    ..

    What does a person with a liberal arts degree say? "Would you like fries with that?"

    What does a person with a philosophy degree say? "Why would you like fries with that?"

    ...

    "Fagan tried to work while in college, but wanted to focus on her academics."
    Wow! I never thought of that excuse when I attended college and worked 25 - 30 hours per week. But this is one dummy who graduated debt-free.

    ..

    I bought a house/car/boat/vacation and didn't realize I would have to pay it back, what do I do???? I co-signed and didn't realize I'm responsible too??? I bought an expensive car worth 80k (without a job) and didn't realize I had to pay it back. Maybe, I should of gotten a cheaper one, what do I do???

    ..

    My employees talk about it all the time, but they borrow so much that they can have spending money and bar money each semester, they prefer that over getting a part time job when they go back up to school. THAT IS A PROBLEM. I have known people that went on cruises and vacations with their loan monies that they now whine about being "unfair"

    ..

    Wow - this is NOT an issue for the national spotlight. Why? This is a decision that you the grad made. You decided to not do the math and not figure out if college was financially smart. I have ZERO sympathy for people who think that because you made a poor decision - We the People should pay for it. I have no issue that Congress should act to keep loan rates at a discounted level - even if it cost some extra money out of the government to keep them there. However that is about it. Your decision to do this. Not mine. BTW I put a kid through college and we DID look at the cost as well as the job he was looking for (Engineering) and what the job would get him pay wise. My advice - you may have a dream but it may not pay well - your choice is to find something that you can live with and earn money to pay off the cost OR join the military like I did and my other 2 kids have done to pay for school. Simple enough.

    ..

    Everyone notice that Barry & Michelle are all over the country campaigning to high schools & colleges! These students are forgetting or don,t remember at the Democrat Convention in 2008 he said"All colledge students should have their college tuitions paid for by the FEDERAL GOVERNMENT"! People stand there beside him & still take in all his Kool-Aid stories!

    ...

    I will be the first to say that tuition rates can be ridiculous... but I get sick of people taking out extreme amounts of money and then whining that they cannot pay it back. I went my first two years to a state school, and paid as I went (what wasn't covered by scholarship). I then transferred to a private school to finish my B.A. and start getting student loans. I still had only borrowed less than half of most of my friends. The difference is that a lot of students take out the max amount and pay other bills or buy crap instead of only taking what they need for their tuition. Add that to paying for classes they end up failing (never failed a class my entire college career so didn't waste money there either) and it adds up. Now that I am 5 years out of school I have paid back my loans adn I see other people that are around my age griping about theirs and how they should be forgiven... but they also have pics of their new car adn their most recent vacation out there, and I don't because I used every penny to pay off what I owed. Why should they be rewarded for being irresponsible? Who is going to reward people like me who knew that it was a LOAN and paid it back???

    ..

    We all sign loan agreements. Guess what, we made the loan agreement and have to live by it. Whether it be a home, auto, student loan, etc. we should all meet our committed obligations. Why does one take out loans for college? Because the majority feels that it will give them greater earning power through life. But will it give them happiness is the underlying question. No one said life would be easy!
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

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  3. #13
    Jolie Rouge's Avatar
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    WHAT IS A COLLEGE DEGREE WORTH?
    By Maggie Gallagher | Maggie Gallagher – 8 mins ago.

    What is college really worth?

    A lot of people are asking that question -- and it's the cover story of this month's Utne Reader magazine. My older son is 30, and my younger is 17. I'm hoping my two sons escape from the consequences of graduating into this terrible economy, which is going to dampen the value of not only a college degree, but of all those graduate degrees parents are paying for (and students are borrowing on) for decades to come.

    The companion piece to the Utne Reader cover story is called "The Ph.D. Now Comes With Food Stamps." It highlights the plight of adjunct professors who require food stamps to get by. Melissa Bruninga-Matteau, for example, is a 43-year-old white single mother who teaches two courses in humanities at Yavapai College in Prescott Arizona. She never expected to be on food stamps. Somehow she imagined her Ph.D. in medieval history was a guaranteed ticket to the middle class. Another college teacher in Florida is married with two kids. He's a graduate student in film studies at Florida State University.

    Somehow he hasn't yet processed that a married father of two probably should not be getting an advanced degree in film studies. I'm not sure anybody should, actually. Utne sees this as a plea for paying college teachers even more (raising tuition prices even higher). I see it as an indictment of colleges making money by enrolling students for whom there is no plausible career path with borrowed government money.

    My sons are lucky. We were able to pay for college. By "we" I do not mean just my husband and me, but my husband and me and our parents. My older son graduated with money in the bank, not debt. He spent years as a starving artist, but once he began to make money, his economic situation was quickly transformed into a situation of building capital, human and otherwise, not paying for his college degrees until he's 40.

    I'm pretty sure that if I could not afford to pay for my children's college, I would advise them to live at home, go to community college for two years and then to two years of state school. Pay tuition as you go. Parents don't charge rent. Mom will throw in doing your laundry, no extra charge. Save the Ivy League dream for graduate school, if you've made the grades to get into an Ivy grad school. (If not, don't go to grad school.)

    Since both my husband and I are Yale graduates, it's kind of shocking to me that I think this. But the truth is that as loans have become available and every teen is encouraged to borrow money and go to college, the costs of college have skyrocketed out of proportion to the reasonable return.

    The average cost of room, board and tuition at a public university is seven times what it was when I went to Yale, according to Utne Reader.

    Yes, a college degree is "worth it" in general terms.

    It's just not worth going $50,000 into debt at the age of 22 to achieve.

    There's got to be a better way. The culture of debt being created for college grads will affect them for years to come. Colleges have become complicit in teaching teenagers bad financial lessons that hurt their ability to make it. According to Utne Reader, at least 700 colleges have contracts with banks to market credit cards to students. About nine in 10 students use credit cards to help pay their education expenses. The average college student now has 4.6 credit cards.

    I'm 51 years old and I have two.

    We are going to see a lot more generational cris de couer, like the hilarious viral YouTube music video "The Ivy League Hustle (I Went to Princeton, B----!)," youtube.com/watch?v=YDhf9qwiA34. Overlaying its sexual complaint by elite women about the men they have to date, there is an amazing riff on the anomalous position of the overeducated artist, trying to persuade himself or herself that being economically marginal is a sign of moral superiority.

    Borrowing more to pay for colleges that raise their tuition so they can enroll more film studies majors?

    That is madness, and it has to stop.

    http://news.yahoo.com/college-degree...230208575.html
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

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    Student loan are the white mans trap like welfare is to blacks.

    Me

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    Tuition by Major
    by Alex Tabarrok on October 26, 2012 at 9:18 am

    A task force convened by Florida Governor Rick Scott has recommended changes in tuition subsidies according to job market demand: http://www.huffingtonpost.com/2012/1...n_2014802.html

    Tuition would be lower for students pursuing degrees most needed for Florida’s job market, including ones in science, technology, engineering and math, collectively known as the STEM fields.

    The committee is recommending no tuition increases for them in the next three years.

    But to pay for that, students in fields such as psychology, political science, anthropology, and performing arts could pay more because they have fewer job prospects in the state.

    “The purpose would not be to exterminate programs or keep students from pursuing them. There will always be a need for them,” said Dale Brill, who chairs the task force. “But you better really want to do it, because you may have to pay more.”
    The task force has the right idea but the right way to target subsidies is not to the job market per se (let alone Florida’s job market), wages already reflect job market needs. Subsidies instead should be targeted to fields where education has the greatest positive spillovers, benefits that spill over wages and flow to the public at large. Overall, this likely means subsidizing the STEM fields more than anthropology which is why the taskforce has the right idea. If the task force wants to explain the idea, however, they should make it clear that the goal is to focus subsidies on those fields where education most benefits the taxpayer.

    http://marginalrevolution.com/margin...-by-major.html

    comments

    Consider that student loans cannot be offloaded through bankruptcies, I don’t think the lenders should have this right. If they reverse the lobbying and make student loans like every other type of debt, then by all means.

    Plus, to say that, say, anthropology majors will earn less (because the only job they can get is in retail at Antrhopologie), and therefore be less able to pay their debt, so therefore their rates should be higher and their debt even more, well that’s a strangely cyclical and cynical mechanism.

    Really, anybody who cannot afford to pay on their own, via scholarships or otherwise, whose heart is set on a “riskier” area of study, should opt to go to a state school or other less financially onerous institution. Of course, there are a number of problems with this. Most of the time students choose their school before their area of study (and I’d say most of the exceptions are going in dedicated to STEM fields). Of course, most also have their student loans set up prior to choosing a major as well… so the variable rate won’t work, either, unless it resets, say, after 2 years. And the final issue is that selection bias will favor those that get their sociology degrees from Harvard over those that got it from SUNY, so it will be even less likely that these students will meet with financial success.

    ..

    A step in the right direction. Lenders should be able to price risk into student loans based on the field of study as well. This would allow the market to better match skill development with skill demand.

    ..

    There is nothing strange or cynical about pricing debt based on the borrower’s expected ability to pay it back in the future. That is the way normal loan markets operate.

    Would it be “cyclical”? i.e. would this student loan pricing cause people who were already headed for debt trouble to be in even more debt trouble? If so, it is an odd move pin the blame on the lender, who is merely offering a service at a competitive market rate, rather than the borrower, who chose to borrow a large sum of money and then invest it in something that has little or no return.

    However, I do not think it would be cyclical, at least not in a systemic sense. The current system has the effect of subsidizing non-productive college majors, which causes more people to go into those programs than otherwise would. Furthermore, the current system reinforces the dominant narrative that getting a college degree–any degree–is what truly matters, rather than getting equipped with useful skills and expertise. Also, student loan rates that varied by subject would also force people to confront the economic consequences of their choice of major earlier on, which might lead to some people making wiser choices.
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

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    that's one way to "solve" the problem....



    https://i.chzbgr.com/completestore/1...qp_LoL6Yg2.png
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

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    Julia ethics: “It would be easier in some ways than working, taking classes and then spending years paying back loans.”
    Darleen Click



    Obama’s preferred Life of Julia on the local level
    http://www.nypost.com/p/news/local/c...xnaBy6TpVjIXGI

    More New York City co-eds are turning to a new source of income — sugar daddies — to cope with the rising cost of their college tuition, surprising statistics released yesterday reveal.

    And the majority is enrolled at New York University, according to the sugar-daddy dating site SeekingArrangement.com.

    Nearly 300 NYU co-eds joined the site’s service last year seeking a “mutually beneficial” arrangement with rich older men — a 154 percent jump over 2011.

    It was the second-highest number of new members for any college in the country. [...]

    The average co-ed “sugar baby” receives about $3,000 a month in allowances and gifts from her sugar daddy, enough to cover tuition and living expenses at most schools, said Jennifer Gwynn, a spokeswoman for the site.

    In New York City, where cost of living and learning are higher, sugar babies can fetch as much as $4,000 a month.
    Interestingly, the article never lists what these Julia-babies are actually expected to provide for the sugar. Maybe because the authors of the article tacitly approve of the arrangements.

    Not all students approve of the arrangements. “Clearly, we need more financial aid if those are the lengths people are going to pay for school,” sniffed Ashley Thaxton, 20, an NYU theater major.

    “I have friends who work multiple jobs, and there are other opportunities to support yourself through school,” she said.

    Still, few jobs bring in as much money — and as many extra benefits.
    Once you’ve accepted being a ----- as a preferred life-style, just how can you turn down becoming Julia and selling your life to Sugar Daddy Government?

    http://proteinwisdom.com/?p=46645

    comments


    “Clearly, we need more financial aid if those are the lengths people are going to pay for school,” sniffed Ashley Thaxton, 20, an NYU theater major.
    I got no problem with it. What I don’t like is me having to pay Ashley and not getting a damn thing out of it.

    What career is Ashley looking at when she graduates ?

    ...

    Reminds me of a scene from the Taxi sitcom where Elaine is turning down a $100 tip from a passenger (played by Tom Selleck).

    “I can’t take that – I’d feel like a prostitute!”

    “But you didn’t DO anything!”

    “Then I’d feel like a BAD prostitute!”
    http://www.youtube.com/watch?v=ZBuri...63EA9406C08777 4:31
    beemoe has a point – paying without playing makes this even worse!

    ..

    Basically they want to exchange a live sugar daddy for a bureaucratic one – more loans that can be ignored or forgiven down the road. Much less work for these gals.

    So does anyone in the article consider that the high tuition prices are causing this and actually blame the schools instead of some nebulous force of unfairness? And trading sex with your sugar daddy to get him to pay $100+ thousand for your degrees in Feminist & Climate studies isn’t all that empowering, is it?

    ,,,

    his reminds me of the old joke. A man asks a woman if she would have sex with him for a million dollars. She says yes. He then says “I don’t have that much money. How about twenty dollars?”.

    She acts insulted and says “what do you think I am? A prostitute?”

    He replies “We’ve established what you are. We’re just negotiating the price”


    For the record - I personally know someone who has been "in college" since 1983... working on a second Ph.D in ... Poli Sci ... she basicly plans to go to school until she dies as she has no rational expectation of paying back all the student loans she has ecrued over the years. - JR
    Last edited by Jolie Rouge; 01-15-2013 at 11:50 AM.
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

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    Children of a congress member do not have to pay back their college student loans. How nice!

    Monday on Fox news they learned that the staffers of Congress family members are exempt from having to pay back student loans. This will get national attention if other news networks will broadcast it.

    Governors of 35 states have filed suit against the Federal Government for imposing unlawful burdens upon them. It only takes 38 (of the 50) States to convene a Constitutional Convention.

    This will take less than thirty seconds to read. If you agree, please pass it on.

    This is an idea that we should address.

    For too long we have been too complacent about the workings of Congress. Many citizens had no idea that members of Congress could retire with the same pay after only one term, that they specifically exempted themselves from many of the laws they have passed (such as being exempt from any fear of prosecution for sexual harassment) while ordinary citizens must live under those laws. The latest is to exempt themselves from the Healthcare Reform... in all of its forms. Somehow, that doesn't seem logical. We do not have an elite that is above the law. I truly don't care if they are Democrat, Republican, Independent or whatever. The self-serving must stop.

    If each person that receives this will forward it on to 20 people, in three days, most people in The United States of America will have the message. This is one proposal that really should be passed around.

    Proposed 28th Amendment to the United States Constitution: "Congress shall make no law that applies to the citizens of the United States that does not apply equally to the Senators and/or Representatives; and, Congress shall make no law that applies to the Senators and/or Representatives that does not apply equally to the citizens of the United States ."
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

  9. #19
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    I truly don't care if they are Democrat, Republican, Independent or whatever. The self-serving must stop.

    Children of a congress member do not have to pay back their college student loans. How nice!
    Monday on Fox news they learned that the staffers of Congress family members are exempt from having to pay back student loans. This will get national attention if other news networks will broadcast it.
    Governors of 35 states have filed suit against the Federal Government for imposing unlawful burdens upon them. It only takes 38 (of the 50) States to convene a Constitutional Convention.

    This will take less than thirty seconds to read. If you agree, please pass it on.

    This is an idea that we should address.

    For too long we have been too complacent about the workings of Congress. Many citizens had no idea that members of Congress could retire with the same pay after only one term, that they specifically exempted themselves from many of the laws they have passed (such as being exempt from any fear of prosecution for sexual harassment) while ordinary citizens must live under those laws. The latest is to exempt themselves from the Healthcare Reform... in all of its forms. Somehow, that doesn't seem logical. We do not have an elite that is above the law. I truly don't care if they are Democrat, Republican, Independent or whatever. The self-serving must stop.

    If each person that receives this will forward it on to 20 people, in three days, most people in The United States of America will have the message. This is one proposal that really should be passed around.

    Proposed 28th Amendment to the United States Constitution: "Congress shall make no law that applies to the citizens of the United States that does not apply equally to the Senators and/or Representatives; and, Congress shall make no law that applies to the Senators and/or Representatives that does not apply equally to the citizens of the United States ."
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

  10. #20
    Jolie Rouge's Avatar
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    Children of a congress member do not have to pay back their college student loans. How nice!
    Monday on Fox news they learned that the staffers of Congress family members are exempt from having to pay back student loans. This will get national attention if other news networks will broadcast it.
    Governors of 35 states have filed suit against the Federal Government for imposing unlawful burdens upon them. It only takes 38 (of the 50) States to convene a Constitutional Convention.

    This will take less than thirty seconds to read. If you agree, please pass it on.

    This is an idea that we should address.

    For too long we have been too complacent about the workings of Congress. Many citizens had no idea that members of Congress could retire with the same pay after only one term, that they specifically exempted themselves from many of the laws they have passed (such as being exempt from any fear of prosecution for sexual harassment) while ordinary citizens must live under those laws. The latest is to exempt themselves from the Healthcare Reform... in all of its forms. Somehow, that doesn't seem logical. We do not have an elite that is above the law. I truly don't care if they are Democrat, Republican, Independent or whatever. The self-serving must stop.

    If each person that receives this will forward it on to 20 people, in three days, most people in The United States of America will have the message. This is one proposal that really should be passed around.

    Proposed 28th Amendment to the United States Constitution: "Congress shall make no law that applies to the citizens of the United States that does not apply equally to the Senators and/or Representatives; and, Congress shall make no law that applies to the Senators and/or Representatives that does not apply equally to the citizens of the United States ."
    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

  11. #21
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    Noam Knows What's Up

    Laissez les bon temps rouler! Going to church doesn't make you a Christian any more than standing in a garage makes you a car.** a 4 day work week & sex slaves ~ I say Tyt for PRESIDENT! Not to be taken internally, literally or seriously ....Suki ebaynni IS THAT BETTER ?

  12. #22

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    My son is $350K in debt and he still has 2 more years of grad school before he gets his Phd. He is considering quitting because he wants a life.

    Me

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