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Things That Are Bothering You, Got You All Hibbeldy-Jibbeldy, or just downright pissed, RIGHT NOW! - Page 5329

post #79921 of 85711
@Piobaire yeah, I think so. Worked for me too.
post #79922 of 85711

It has worked for me in that I may not be uber rich like the rest of y'allz, but my credit score is above just about everyone that I know personally.

 

edit: and no, I dont just know bums...

post #79923 of 85711
I'm far from rich let alone uber rich. Just lead a comfy life, but it requires I continue to work, so as Greenfrog will tell you this makes me something of a failure.
post #79924 of 85711

I actually just made the last payment on one of my student loans.  2 more (loans) to go.  :thumbs-up: 

post #79925 of 85711
I was able to consolidate into one, and through autopay and paying on time, dropped my interest rate to .75%. Given that and the time value of money and I don't plan to pay it off a day early.
post #79926 of 85711
Quote:
Originally Posted by Gibonius View Post


I love the part where she steps back and says that maybe she shouldn't have gone to an expensive private school in one of the most expensive cities in the world. Then says, nah, she got the education and experience she wanted so it's cool. Then a paragraph later wonders what she could possibly have done differently with her life.


My favorite part, from Brian:

"Sure, I realize the responsibility I took on when I signed the papers and agreed to take out the loans, but I should have never had to do it in the first place."

 

Ah, Millennial entitlement at its finest. 

post #79927 of 85711
Vanessa looks highly slammable
😍
post #79928 of 85711
Vanessa is pure gold. Put these two quotes together and smile:
Quote:
A year ago, I was working at a fancy restaurant in Berlin and made a lot of money in tips. For about ten months, I was paying some of the loans, but I don't have that job anymore so I had to stop.
Quote:
But then I realized that we weren't thinking about the debt when we were signing up for school. And sometimes I think living in New York City and going to a private university maybe wasn't the best idea. I could have gone somewhere else and gotten a political science or history degree and only been in $50,000 dollars worth of debt. But I'm happy that I got that education. It's the education I wanted.

So she got "the education (she) wanted," and is pleased over that, so she could wait tables in Berlin?

These kids that run and leave their parents on the hook? How do they fucking sleep at night?
post #79929 of 85711
Quote:
Originally Posted by SixOhNine View Post


My favorite part, from Brian:
"Sure, I realize the responsibility I took on when I signed the papers and agreed to take out the loans, but I should have never had to do it in the first place."

Ah, Millennial entitlement at its finest. 

True … but there is a grain of truth in the fact that the availability of loans helped to speed up the ridiculous increases in the cost of tuition at many schools. The prices are f'g ridiculous. For example, LLM programs are often viewed as cash cows for universities to get tuition from foreign students paying full fare. For the top schools it's in the $60K-$75K range. Unbelievable… and generally speaking the prices just go up across the board.
post #79930 of 85711
Quote:
Originally Posted by Kid Nickels View Post

True … but there is a grain of truth in the fact that the availability of loans helped to speed up the ridiculous increases in the cost of tuition at many schools. The prices are f'g ridiculous. For example, LLM programs are often viewed as cash cows for universities to get tuition from foreign students paying full fare. For the top schools it's in the $60K-$75K range. Unbelievable… and generally speaking the prices just go up across the board.

This is not untrue. I think student loans were made too readily accessible and any number of bad results have happened systemically because of the easy availability. The thing is no politician or bureaucrat had the balls to verbalize the thought that if you cannot afford 200k to get your social work degree from an elite university you probably should go to a school where the tuition is reasonable for the expected ROI. Also, no one would dare say that some kids are just not post-secondary material, and noncompletion is highly likely. Lastly, if trailer trash can get 30k to attend an 18 month cosmetology course...someone is going to open a school and get that 30k.
post #79931 of 85711
Quote:
Originally Posted by Piobaire View Post

So she got "the education (she) wanted," and is pleased over that, so she could wait tables in Berlin?

You have no idea how many dipshits there are, who go out and get some fucking useless degree and then after spending 4-5years figure, whoops no one needs xylophone anthropologist and end it at working at cost co.

There's a running joke, that one local uni educates for unemployment, as people can choose mayors, that doesn't work together and are completely useless and they end with shit like sport political science (I know someone whos daughter has that degree).
post #79932 of 85711
@Piobaire's focus on ROI is really what's important. One of my best friends went maybe $150K in loans for his medical degree to get a job that pays him easily 3x that. That makes sense. I did relatively the same to go to a top law school and the best in my field… so yeah that's a good investment.

The $30K for cosmetology school, or what may even be more insidious in a way, the $60K-$80K debt someone takes on for a law degree from Brooklyn Law School or California Western (notoriously bad law schools) or some shit is just absurd. You didn't get into a top school for a reason… do not go. Learn how to do something actually useful and people will pay you to do it.

Not xylophone anthropology! happy.gif
post #79933 of 85711
I'm going to play devil's advocate here: to what extent should the blame lie on the parents for their kids' college choices, including what they decide to major in?

Can we really expect dipshit 18 year olds to have the foresight and capacity to make such important life choices at that age?

I know it's fun and easy to just blame the Millenials, but this is a massive failure on the part of parents, the gubment, college administrations, and yes, the kids.

All of you with kids: what would you tell them if they had middling grades and wanted to take out massive loans to pursue an English degree at NYU?

Disclaimer: I still think the people in that article are pieces of shit.
post #79934 of 85711
0% unless the parents are helicopter parents then 100%.
post #79935 of 85711
So, most Millenial parents then.
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