>B.e.r.n.i.e or bust?
FUCK YOU HIPPIE! DO YOUR FUCKING DUTY AND VOTE FOR YOUR PARTY'S CANDIDATE!
Liberal hate General i guess
>23 years
what the fuck has she been doing
>>74311786
How is that possible did she took a loan with 300% or what?
>>74311786
dumb cunt should learn about loans before getting one
she must have paid minimum payments everytime.
>>74311786
All this proves is that she is shit at math.
>>74311786
>23 YEARS what the fuck
>>74311786
>she only pays interest and not the principal
What a dumbass.
>>74311786
>23 years
>Paid back 32,700
>Only paying back $118.00 a month
>>74311786
>having to pay triple of what you borrowed
what
>>74311786
>Be Australian
>HECS is a government student loan system
>0% interest, but pegged to inflation.
>4% of income automatically taken from tax returns when earning over the threshold.
>Make voluntary payments of my entire tax return for first 3 years of working, not meeting threshold.
>pay off $16,000 of HECS debt within 3 years of graduating.
I will never understand how people can not pay off their debts. It should be a priority above all else.
>>74311786
Ahh, the magic of compounding interest
>>74312017
>How is that possible did she took a loan with 300% or what?
scary her story how common it is
>>74312857
That's what happens when you don't understand the loan you're taking and you make minimum payments.
>>74313535
>That's what happens when you don't understand the loan
There is actually a story of a guy who served in the US Navy with a degree in math. Said they found 3 mistakes the bank had made.
>>74312017
I calculated 4.72% per year. I don't know if that's right though.
>>74313535
>>74313453
>>74311786
These people extended their childhoods by 4 more years and have essentially turned themselves into a new slave class.
Should serve as a warning, but it won't.
>>74313453
will the economy crash when the student loan bubble inevitably bursts?
>>74313535
She probably missed years of payments and racked up tons of fees. Realistically she should just take the credit hit and stop making payments.
>>74313781
No, the corporate elites would just re-instate debtor's prison
You dipshits should be against predatory lending. You dumb faggots are part of the problem by upholding this kikery. You'll pay taxes for ghetto youth but you won't help out your fellow whites for wanting an education?
>>74311786
Any oldfags here verify that university was that expensive 23 years ago?
>>74313926
>Studies gender studies and ancient african monarchism
>Fellow white
How about no?
>>74311786
>college educated
>somehow basic principle and interest rates elude her
#forgiveretardsforeverythingalwaysforever
>>74313926
The problem with student loans is they can't be defaulted on, so lenders don't have to take their due dillegence to ensure the lendee can pay it back.
>>74313926
>White women takes underwater basket weaving.
>Takes out giant loan.
>Banks on finding a beta white man to pay for it.
>In the meantime making bare minimum payments.
>Rides the Chad cock carousel too long, pussy has dried up.
>Stuck with the debt.
Ye, nah.
never borrow less than 100k
never pay more than 50k
this is it, enjoy life as the banking Juden get cucked
>>74313926
>You dumb faggots are part of the problem
agree with this
fact everyone on /pol/ know who runs the banks
Question is are they ever shady in their business practices?
>>74313884
Or just go back to having student debt be dischargable in bankruptcy. Would have to stop giving out loans like hotcakes and get tuition costs under control.
>>74312121
26,400(1.05^(23)) is about what she has to pay back. This seems like a charitable investment considering the bank has to tie its money up for 23 fucking years and has a pretty high risk to bust because this shit bird will serve java with her female public hair studies degree.
>>74313781
Probably, if they let all that shit just default then the US economy would suddenly lose all the equity from them which would probably degrade our nations credit rating leading to a lack of faith.
Anyone else come out of college debt free?
>mfw
>>74314451
Remove all government loans and I guarantee you the price for tuition would drop 50% the next year.
>>74314290
Is that in Pesos? Where talking about dollars here. You nigger.
>>74314096
Is that what she studied or is it something you tell yourself to make you feel okay with not supporting your fellow whites? They can't all be superstars like you guys. Regardless of whether they are right or wrong, you should support education. What they do with that education is a different story.
>>74314480
>considering the bank has a pretty high risk to bust
HAHA here's the best part. You ready for the catch? The loans are guarenteed by the pulic. That means the banks never lose their money.
>>74314131
You realize you have to get a loan before you get educated, right? And have a decent economy to pay it back, right? Or do you still pay for welfare?
>>74314690
There's no such thing as "predatory" lending. Nobody is hunting these stupid kids out and forcing them to sign anything.
Calling this predatory lending is like calling someone in Mcdonald's a predator.
>>74314628
Nope, I'm talking about dollars, Mr. Tyrone.
>>74311786
Shouldn't have went to Uni for a life style then she could brag about
>>74314267
And you know this is how it happened, how? Maybe if they were supported they'd stop going to niggers. Where's the white man's sense of responsibility, especially when their culture has strayed from the righteous path? Or do whites only like when somebody else does it for them, when shit is easy? No wonder Jews butt fuck you guys.
>>74314690
>you should support their education
>in nonsense bullshit courses
Why is shit like gender studies even a thing? Shouldn't education be centered around things that are actually of use for a society?
>>74313926
>predatory lending
It's the bank's responsibility to decide if they can pay back their loans, it's the borrowerss.
>>74314611
>grandfather has fantastic pension plan
>lives minimalist lifestyle
>plowed more than half of his retirement income into college funds for his grandkids
The only thing better than my free college is watching people with lazy layabout ancestors go into a frothing rage when they find out I get free college.
So salty.
>>74314996
Yeah, it's the men's fault that women are massive whores.
>>74314793
I'm pretty sure they teach how interest rates work in highschool...
>>74314690
If they study something just for the sake of studying and with no actual jobs in the market they deserve to be slaves. Who cares if they are white.
>>74314762
And banks just print more money out of thin air. They aren't relying on tax money. Tax money just translates into tangible assets, that's why they don't give a shit. Economy may tank but they get more real estate. Fuckers need to learn the truth.
>>74314839
But there is, faggot, when you prey on the ignorant and when the brainwashing tells you this is how shit is done and is normal.
>>74315049
There's nothing wrong with education, it's the culture that exploits it for the Jewish cause that is the problem.
>>74314839
>here's no such thing as "predatory" lending. Nobody is hunting these stupid kids out
Are you kidding? They're like traveling carnivals or snake oil salesmen. They take the dean out to a fancy lunch. Convince them to let them setup booths on campus. And get kids to sign for money. I know one sucker, she signed for $30K loan, said they seam real nice they even gave her a free backpack.
>>74315193
It really is.
>>74311786
>Take a loan for something you know good goddamn well you can't afford
>Blame someone else when you inevitable can't pay for it
>Demand the working class, who was smart enough to know they couldn't afford college, pay for it
Liberals should be put out of my misery.
>>74314611
>get full tuition scholarship
>parents cover the rest using money they invested in the 90s
>change major, gotta stay another year
>looking at $25k in debt because parents are now broke
good news:
>have two years left at daycare for 20-somethings, the American university
>will be leaving college with 1.5 years internship experience
>industrial engineer starting salary is $60k
feels alright
>>74314793
Educated != intelligent
When will this "you have to go to college to be successful" meme ever end?
>>74314611
My school is literally giving me over 26k next year.
After tuition and housing I'll have about 6k leftover.
Still figuring out what to buy with it, I've had my eye on a BMW motorcycle
>>74312857
interest compounds, and inflation is also a thing.
if you make minimum payments obviously you're going to get screwed
>>74312857
its what made jews successful.
>>74315961
When the white man stops letting it spread. Why don't you do something instead of crying about it on a image board? At least education gets you out of the ghetto mindset.
>>74315855
Liberals will follow a strong leader. Where are your strong leaders?
>>74311786
how does anyone defend this?
Education is an investment in the nations future as a whole, these sorts of loans and schools that cost small fortunes to attend shit all over that future, so some greedy kike can get rich literally at the great expense of their nation.
>>74316303
I did do something about it. I dropped out of college, taught myself Linux and programming, and make six figures at age 25.
Eat my dick faggot, only reason you responded was to bump your own thread anyways. Maximum bait.
>>74315635
If these kids are too stupid to understand an agreement WRITTEN OUT IN PAPER before signing it , then they shouldn't be going to college.
>>74311786
How does this make sense?
>>74316303
Apparently gender studies and minimum payments for the loans you got to pay for it is what gets you into a ghetto
Don't take out loans you cannot pay back.
Don't go to an out of state college if you cannot afford it. Go to a local state school and pay ~$3k / yr and never go into debt.
This is why I will never support bullshit ideas like "free college for all!" College is and never was a necessity, college degrees these days are incredibly over-valued, because most degrees are simply worthless.
People need to accept responsibility for the stupid shit they do and move on.
>>74315901
25k in debt is like a honda
with 60k a year starting youll be able to pay that off easily
i owe twice that, just graduated and make less than 30k a year, the only way ill make more is if i go back for another year (not taking out more loans for that though)
good news is if i kill myself the debt doesnt get put on my family
>>74311786
>needing over 23 fucking years to pay back a loan of $26,400
Are Americans shit at handling money or is this a Bernout thing?
>>74316497
Fucking crab mentality right here. You're no better than a kike.
>I got mine, fuck you
Even Jews help each other.
>>74316514
>If these kids are too stupid to understand an agreement WRITTEN OUT IN PAPER before signing it , then they shouldn't be going to college.
See my previous posts. The ones about "practices" and "navy and you have your answer.
>>74316612
she had to have paid like 130 bucks a month for the entire time
even working for minimum wage thats nothing
I guess all that college education didn't teach her how to be smart with money or how not to fall for loan sharks.
I'm all for returning to the days where unis were places of study, not shitty worker drone factories.
There is not one job put there that can't be learned through a traineeship.
>>74316612
That happens when you notice that even with your bachelor in aboriginal stick music you still won't be able to get a better job than flipping burgers
>>74316571
>i owe twice that, just graduated and make less than 30k a year, the only way ill make more is if i go back for another year
what's your story
>>74316612
College has been sold as the end all be all for making a living for decades and people are pushed to study something they're passionate about... the end result is lots of people with degrees in psychology, art, music, political science, etc. and tens of thousands in debt.
>>74315502
>>74315502
Signing a contract putting yourself tens of thousands of dollars in debt is something that should actually be thought through with a clear plan of paying it back. So it's their fault for being ignorant
>>74313535
>they r ur white kin
Fuck that, white people in America are some of the dumbest, most selfish people you'll ever meet. So sick of this white nationalism crap. White people were the driving force behind the culture wars we have going on today.
>>74311786
>having interest on student loans at all
>muh leader of the free world
>>74316771
Kek
>what is individual responsibility
Must suck, being as gay as you are and still getting rejected on grindr.
>>74316880
for better or for worse almost everything here is a business
>>74314618
This
>>74311786
No ;-)
>>74311786
>get a loan
>butthurt that you have to pay interest
>study basket weaving
>can't find work, interest on interest for years
>get your shit together and work at wal-mart
>barely make do, pay little by little
>badam, this is how you fuck your life
>>74312017
>>74313684
Compounding interest and paying the minimum,
>>74312857
>waiting 23 years on 4.75%
wew
>>74312121
You expect women to think for themselves, you misogynist
>>74315961
>When will this "you have to go to college to be successful" meme ever end?
FUCKING THIS
>tfw took calculus at age 15, started college full time at age 16, dropped out of college to be a professional athlete
No fucking regrets. Feels good. I know most of you won't believe me but it's a true story.
>>74316825
It's because everything else is telling her that what she's doing is normal. If you guys would actually have some sense of responsibility and pull these idiots out of their holes, you'd get somewhere. Even Germany was a shithole before Hitler set it straight. Imagine of it was full of limp waisted faggots like you here, kind of like how it is now over there. You guys are allowing yourselves to be ass raped, kicking each other down.
>gee how do they get away with this!
>>74316514
>expecting 16&17 year olds to understand this
Lmao
>>74314618
explain? without the way out people just look for the cheapest option? or not go at all?
Now the smart people here can read this thread and see why the west is fucked. Look at all these stupid loser faggots. You all deserve what you're going to get.
>>74317120
I was taught how compound interest works when I was 16, in algebra 2.
What shit hole did you grow up in?
>>74313453
For borrowing 44,000 to the power of infinity dollars, having to pay back 128k doesn't seem too bad.
>>74317120
To be fair, you can't enter a contract unless you're 18
>>74317310
Kek
>>74311786
Your first test in college ought to be one question. 1. Did you borrow money to start school? If the answer is YES, you fail.
I managed to graduate from a major state college and never had to borrow a dime. It wasn't even that difficult to to do.
>>74317284
I'm not talking about me, but if you expect your average kid to understand this (with 0 education on it from the curriculum) you're a fool
>>74315901
I graduated with pretty much the same debt/salary ratio a year ago and I just paid it off yesterday, a year and a week after I graduated, and i still have $13 in the bank.
Just don't be a retard with your money after you graduate and you'll be fine.
Anyone know if being a 27 year old American Poo with a 790 Credit Score will help or hurt my attempt at getting a student loan? Im not dumb just started college waaaaaaaay late.
>>74317727
Meant $13k in the bank, kek.
>>74317818
Do t take out a student loan. Dumbass. Terrible idea.
>>74316843
>what's your story
started in compsci, failed stuff, got scared and switched into biology. none of the courses carried over so i had to go back for an extra year. tuition is pretty high at my school for some reason
i honestly wasnt even expecting a job when i finished but i guess i got lucky. things are looking pretty shit right now but i think ill be able to make decent money if i grab a post grad diploma in the next year or 2
>>74314090
23 years ago university was free
>paying the minimum on your loan
You could have paid this loan off in less than 10 years. probably 5.5 if you spent around 400 a month on it. Does that suck to lose 400 a month on loans? yeah but it's better than owing 45 grand 25 years later on interest alone.
>>74311786
HAHA. Their fault for not being born rich
>>74313926
This is predatory borrowing you gigantic cuck
>>74311786
How do these people even do this? I have a simple interest rate of like 4% on my 6.5k loan. I could pay that shit off with fucking minimum wage.
>>74317077
What team do you play for?
>you will never be incredibly rich and pay off all of non-left /pol/'s student loans
>>74311786
>borrowed 26k for schooling
the fuck did she study?
>im gonna be a doctor and a space engineer because ellen degenerate said i could
H-holy shit /pol/, what the fuck do I do? I only make $12 an hour and I just bought a car and am trying to move out...
>>74318396
>inb4 he gets like $30k a year as a lacrosse pro
>>74313453
BORROWED 44K FOR SCHOOL
>>74311786
Way to pay back $118 per month for 23 years you stupid fuck
>>74313884
Yes, and who will pay for the cost of incarcerating even more people in the most prison-happy country in the world?
I'm terrified of what will happen when the Great American Experiment comes to its inevitable failure.
North America needs a wall alright, but it's not the one you think.
>>74318632
lmao idiot
You're going to end up paying like $36,000 by the time you pay that loan back.
>>74317200
Well colleges can and do raise tuition every year and will have people that pay for it no matter the cost. Tuition prices are the major problem not gov't funding. Gov't paying for college is basically giving these institutions unlimited funds until it runs out. Institutions that indoctrinate and mislead college students with their own agenda.
>>74315049
>Shouldn't education be centered around things that are actually of use for a society?
not really. that being said, gender studies degrees and the likes are actually harmfull for society
>>74318906
Well lucky me, this is a 10-year repayment plan. There's nothing I can really do except increase my monthly repayments, but that's hard to do when I'm trying to start my life.
>>74313781
No, it will just not have another boom. Consumer spending will suffer and the focus will shift to low cost products vs. luxury products.
>>74314611
>parents actually saved in resp (Canadian equivalent of 529) and didn't sit on their asses for 18 years
>grandfather conveniently died at the end of high school, leaving us tons of extra money
>dad is a lowkey millionaire who does a good job hiding his wealth (tax evasion probably) but has it available even if everything else falls through
feels good man
>>74312916
Good work!. I cant understand why HECS repayment threshold is @ 50,000. It should be much lower!
>be a leafcuck
>go through 4 years of Uni with a total of 2k debts
>only worked during summers at minimum wage
>still have until 2022 to pay it off without any interests
You clappers have it so hard. I'm glad I can start saving money right away
>be me
>go to school in UK
>take about £5,500 in total loans because education wasn't retarded expensive then
>graduate like 10 years ago
>made perhaps 3 payments in the intervening period
>log in to see how much I owe now 10 years on
my sides.
>>74319926
>being this irresponsible at managing your debts
Kill yourself.
>>74312677
>>74313684
I got roughly 6.7% assuming she paid about $120 per month.
https://www.wolframalpha.com/input/?i=45276.63%3D(26400-120*12%2Fx)(1%2B%5Bx%2F12%5D)%5E276+%2B+120(12%2Fx)
7% is basically private load territory.
>>74318632
Get a better job.
>>74318527
$6500/semester
m8 that's super fucking cheap here, our shittiest state universities cost more than that
>>74320067
Happy to pay it back when I get round to it. Luckily it's pretty much up to me as the interest is basically fuck all and doesn't make me a serf like it does in the US. If I recall correctly, in 2008 they paid me to have the loan as it went to negative interest after lulz economy 2k8 happened.
Moved to different countries a couple of times since then...got married...having a life etc. Maybe in another 10 years when I'm middle aged I'll owe like 8k. Actually I'll probably clear it in the next few years when I top out on the pay scale in work and have enough spare cash floating around.
>>74320387
*/year
>>74320417
>being this irresponsible
I hate you leaves so much.
>>74320387
the loan was taken decades ago. just shows how shitty the costs are today for an education that'll likely land you an interview, at best, in the local starbucks.
>>74320571
It's just that college is being sold as something for everyone when it really isn't.
>>74320526
>taking out enormous loans
>being on a harsh time limit to pay them back with comedy interest
stay salty my impoverished American friend. I'll continue going to sleep each night giving approximately zero fucks about my tiny debt with minimal interest
>>74319060
Is that a car loan or student loan? Either way it's over 7% which is pretty bad.
A quick way to remember the impact of compounding interest, at 7% APR compounded monthly money doubles every 7 years.
Really try to avoid loans when you're young.
>>74315196
...not in ameriburgerland
>>74320781
Enjoy dying from the toxic fumes from those wildfires.
>>74318632
How much was your car?
>>74320855
>he thinks the only wildfire on the continent is in Alberta
>he thinks I live anywhere near Alberta
do you have like 50k in debt that's weighing you down friend?
>>74320786
>>74320926
It's a student loan. I bought a used shitbox off Craigslist for $3000
>>74320067
> being this butthurt
You have no argument, so go ahead and say something about a leaf.
>>74318632
live near a Costco? you'd enjoy their pay rates.
>>74320855
You mean the ones in Alberta blowing smoke all the way to Minnesota or the ones across the northern US in Montana, the Dakotas, etc.?
>>74321157
he'll be building a wall for that. a wall that reaches space and is airtight.
>>74321031
The apathetic attitude to managing your finances is cancer. Adults responsibly pay back loans.
>>74321012
No, it's just that maple niggers upset me.
>>74321286
The thing is I'm managing them just fine. While most Americans are wasting the best years of their lives getting hooked on anti-depressants because they're slaves to massive loan debt, I'm here moving around the world not worrying in the slightest about it.
Enjoy being debt free by the time you're 60 or something retarded. All that freedom from your debts just in time to become old, frail and decrepit. What a life.
>>74311786
U S U R Y
S
U
R
Y
The banks and colleges exploited a generation of kids who were told they must go to college or die their whole life. Young people with no financial experience getting fucked for the rest of their lives. Honestly this thread is turning me off from conservatism.
>>74313926
>fail to intelligently manage interest and principal payments on your own uncollateralized loan
>predatory lending
You're a fucking moron. Kill yourself ASAP.
People have problems with student debt?
>>74322049
But then I remember liberals only help niggers so I'll never get any help from anyone.
>>74312677
>Only paying back $118.00 a month
This so fucking much. Even at 5% interest, that's $1320 per year in interest. So she's paying a whopping $96 per year towards the principle of the loan.
She deserves to be broke if she's going to be that stupid with her finances.
>>74311786
Shes stupid as fuck for waiting this long to pay it back.
But those kike loans are predatory for sure.
>>74311786
>put yourself in debt over $26,000
>barely pay over 23 years
Did she just never get a good job or something? Paying off my loan is one of my biggest expenditures when I got a job, and I only owed 5k. 3k left and it's only been a year.
>>74311786
Stupid fucking bitch, 23 years ago college only cost $1000 a semester. She's been partying and smoking weed for 2 decades obviously.
>>74314090
>Any oldfags here verify that university was that expensive 23 years ago?
When I was in college, tuition was $25 a credit hour. You do the math. it was fucking CHEAP.
>about 20k in debt
>minimum payment is $100/month
>if not paid in full in 20 years while making on time payments, the whole thing gets thrown out and forgiven
Did I just get a good deal?
>>74311786
> paid faithfully for 23 years
Bullshit, she had to have paid less than the minimum payment because the amount owed increased past the borrowed. If she paid the minimum, she would cover the interest and put a little towards the principle so the amount owed doesn't increase.
>>74321698
More accurate pic
I borrowed somewhere over $15k, didn't graduate and only have like 3k left after less than 3 years.
If a bartender can pay back 1/2 of that sum in 1/8th the time on probably about 1/2 the income, you won't find any pity from me.
>>74322926
aliens and illuminati don't exist...its just jews, its always jews
>>74322758
IMPOSSIBLE TO PAY
NOBODY EVER
EVER
CAN PAY BACK THEIR LOANS
>>74321540
If you major in a field that makes money student loans are nothing to worry about. College is an investment, and the people bitching about student loans made retarded investments in fields that are well documented to make no money.
>>74322049
what does this have to do with conservatism
>>74323438
>College is an investment
I flunked out of college and now make $100,000 a year.
Another notable college dropout...hmmm let me see......
https://youtu.be/kXpwAOHJsxg
>>74318632
>I only make $12 an hour and I just bought a car and am trying to move out...
Two options.
>option #1
Do not move out. You will be committing financial suicide. With things like rent, groceries, vehicle maintenance, you would fuck yourself over.
>option #2
Find a job that pays double what you're making right now, if you want to not drown in debt.
>>74311786
obviously she didn't major in anything requiring a lick of math. liberal arts majors btfo!
>>74314996
The summation of your post is "Real men step to the plate and blow all of their hard earned money on paying off her debt :-)"
>>74316860
>literally being a race traitor
Can't wait to string you up by your intestines on the day of the rope you piece of shit
>>74316067
i'd say youre an idiot for buying a motorcyle. now i'm going to say you're even a bigger idiot by buying the worst type of motorcycle. if you're gonna get a ricer at least get the good ones
>>74313926
It's their bank and their money that you're asking to borrow. There's nothing kikey about it, if they're going to give you thousands of dollars they want to secure as much as possible a return on their investment. You wouldn't consider it kikey if you were on the other side of that table, it's just good business.
>>74311786
A $26,000 car loans can be paid in 4-6 years. Makes no sense that anyone would pay a student loan of that amount for 23 years and still owe way more than they paid. Either she's a complete moron or the lender fucked something up and she did nothing about it (in which case she's a total moron).
>>74311786
>She takes a small loan of $26,400
>Turns it into -$45,276.63
>>74324177
Hate to break it to you, Scooter, but the day of the rope is never coming.
>>74324462
It is Kikery when the banks collude directly to coordinate increases in both tuition and loan amounts. It's also kikery to push a college or fail meme and target kids. Dispel that shit. They knew exactly what they were doing.
>>74324861
You forgot to say "sips tea"
>>74323615
100k isn't much. I had friends straight out of high school making 130k. If you were just wanting to make a lot of money, 100k is shit. University gives you more laid back jobs, a time to socialize, and good pay. And if you're motivated you can get into a good profession and make 300k+ such as in medicine.
>>74324247
>ricer
i dont think you know what this word refers to.
>Borrowed: 26k
>Paid back: 33k
>Owes: 45k
>23 YEARS
motherfucker ya done fucked up big somewhere
>>74311786
Sounds like someone slept during their economics class.
For the rest of you gents out there, here's an actual debt story.
>be slightly-above-average student from poor family
>go to CC, local state college, take in scholarships and anything I can grab
>dad only accepts co-sign because he knows that I'm not going to let him down
>barely graduate after rolling a 1 on capstone project group
>hunt for work in shit economy, many calls and interviews but not as attractive as experienced gents
>savings drained, ready to hang in towel and take any open job
>ring ring
>job offer
>fuck yes
>earn the monies
>pay off entire loan in one year
Phase one of my master plan is completed, although life threw me some nasty curve balls along the way. I'll have to grind for a bit now to get more XP, gold, and reputation, but that should payoff pretty soon. Either way, I pity the fools who will themselves into poverty, especially when there's so many peeps like me who are working their asses off to get out of it.
>>74325622
bmw are knock offs of the real bikes. why buy an inferior brand ? when has bmw ever put out a bike with better specs than a yamaha, honda or ducati?
>>74322758
Well, you'll be paying $24,000 for $20,000 of debt so... kinda?
>>74317900
but i need money.
>>74324690
A car loan is secured debt, meaning if you don't make the payments, the car gets repo'd because it's collateral. You can't repo an education, that's why student loan rates will never be as low as auto loans or mortgages.
>>74313926
This x 1000000"
>>74322250
>a whopping
>>74324693
>If she had just invested that $26,400 in the stock market, she'd have $1,000,000 now!
>hate being categorized
>get mad when not being categorized
>everytime
>>74325975
are you fucking serious?
The S1000RR was the strongest superbike on the market for like half a decade.
I dont even like BMW but they are innovative and technologically capable, just look at the K1300 with its duolever fork and the cardan shaft drive.
or the H2P series with the strongest flat-twin ever made and its unique cam-shaft system.
>>74311786
USA is a real tragedy nation. I feel pity for all of you.
Anyone know if having a 790 Credit Score will benefit me when it comes time to get a student loan?
Does good credi history not help me get a good rate on a loan?
>>74311786
Stop paying then...
>>74325945
Yeah but you took responsibility and found a solution. Liberals don't do that, unless its with someone else's money. If you asked these people what exactly do they expect the government to do it would probably be forgive their loans.
Alot of these people sound like they would do better just working at walmart and investing their student loan money conservatively.
Of course, that makes too much sense.
>>74325420
>a fucking leaf
>100k a shit
30k is top 1% of the ENTIRE WORLD
you're a dumbshit
>>74326638
it had slower times than cbr1000rr and fz1 and ducati monster bikes were always faster. bmw newest model still is worse than fz1 from 15 years ago. how can you even justify bmw being better?
>>74327155
>ducati monster
>FZ1
you wat
>>74326752
>Anyone know if having a 790 Credit Score will benefit me when it comes time to get a student loan?
>Does good credi history not help me get a good rate on a loan?
Go to a cheaper college, I interview dozens of people a year I don't give a shit what college you went to, just that you have the piece of paper with the gold filigree
>>74325420
>100k isn't much.
Maybe in your canadian play money thats true.
>>74318807
>tfw I'm taking out 2x that
I'm going into BME at a top ranked university, I-I'll be fine right s-s-senapi?
>>74327138
>30k is top 1% of the ENTIRE WORLD
Only because a large chunk of the world is made up of mud farmers living in huts in AIDSland. That gives you a false perspective.
>>74311786
>Get $36,000 in student loans, payable over 10 years after school is finished
>Work part time in school
>Get a job after college
>Pay off base payment x3
>Dump bonuses/birthday cash into loans
>Pay off loans in 2.5 years
>Have no idea how these idiots dig themselves into THAT MUCH FUCKING DEBT CHRIST ON A CRUTCH HOW FUCKING STUPID ARE YOU? FUCK! WHAT MADE YOU THINK YOU'D EVEN BE GOOD IN COLLEGE YOU PATHETIC PIECE OF SHIT?! REEEEEEEEEEEEEEEEEEEE!!!
>>74314611
Thank god for the Pell grant.
>>74327515
Probably, I'm willing to bet that 1) those aren't all the facts in OP, and 2) she probably majored in some bullshit like communications. Worst case scenario, just join the military and they can pay back up to like $65k.
If you can't get rid of student loans through bankrupcy how about this?
>get student loan
>finish studies
>take out private loan
>use it to pay student loan
>declare bankrott
>0 debt
>mfw
Why wouldn't this work?
>>74326065
yes but do you need crippling debt?
>>74327915
Depending where you get the loan from, sometimes they aren't covered under bankruptcy.
>>74311786
Why don't they forgive student loans that are that old? I mean who profits from all this shit? I thought that whole point was to have a more educated populace?
>>74327915
Moshe to Tel Aviv. Moshe to Tel Aviv. The goyim are evolving.
Well lets see.
$32,700 divided by 23 years gives us around $1,421.74, Divide that by 12 months in a year, that means she only paid $118.48 a month.
Shes clearly not making minimum payments as the loans arent structured to go that long.
>>74325420
>100k isn't much
>easily make 300k
Wew lad maybe in Canadian cuckbucks, or you're just an edgy retard. Maybe both
>>74313884
My student loans are through the private sector prior to the feds ruining the system. I have a 2.25 interest rate
>>74328195
the point was to make money. why would you loan thousands of dollars to someone who isn't going to pay it back?
>>74327299
ok but ill still need a small loan
>>74328033
i mean it wont be a lot of debt, im goin to a public uni
>>74314611
>think I have enough
>don't have enough
>fail some classes
>get grants
>now have more than enough
Feels good, but now I just have to make sure I don't fuck it up.
>>74328563
I estimate 4.66% APR for subsidized loans, so that translates to ~0.39% interest per month (I think it's compounded yearly, I don't remember). That means that in order to keep up and not have the debt grow, she would need to pay $102.52/month. These numbers aren't adding up, I think she must be lying. It would be impossible for her debt to grow if she was making this minimum payment (principle would shrink if she pays more, like your math implies). I'm calling shenanigans, she's probably lying to make a political point.
>>74311786
Yeah, the math in that picture does not add up. Even with using average student loan rates (4.66%) which is probably what that person got that is some bum fucking retarted math.
Either she's not being honest in her payments or lying like a fucking rug. Then again when has there not been "little white lies" in politics to promote an agenda "For the greater good man."
>Here is the math
26,400 to which the agreed upon general rules of student loans are no interest or payment until after college is finished. From the size of her loan its probably community college.
26400 + (4.66% x 26400) = monthly interest accumulation (1230.24) That's just to pay interest. Her minimum payments will be slightly above that since it is illegal for a bank to charge a minimum payment under interest thanks to the Consumer Financial Protection Bureau regulations (CFPB) and Fair Debt Collections Practices Act (FDCPA which has been modified and amended since 1977) her minimum payments would be at least 3% higher than interest. This equals 1267.15. If she has been paying 1267.15 for 23 years as her minimum payment. She would have roughly 18000 dollars left. That picture is fucking hilariously wrong in so many ways.
>this is brought to you by a jew who works in the loan department of a bank.
I know, way to keep up the stereo type.
>>74329434
> 26400 + (4.66% x 26400) = monthly interest accumulation (1230.24)
Assuming yearly interest compounding, you need to take the 4.66% (actually I think it's closer to 4.3%) and divide it by 12 to get a monthly interest rate. That's how I got 0.39%, which yields a monthly payment of $102.52 to keep the principle from growing. She claims it has increased, but that clearly isn't the case.
Oh wait, you did what I did but yearly, regardless we have the same result.
>>74327388
100k in canadian tire money can go a long way....
I've always wondered. Whether or not you get financial aid is if your parents are rich or not right? What if you just plan with your parents to get "disowned" (since you are 18+ after all). Then you'd have no income, *technically* homeless (but can secretly stay home, although obviously don't set your mail box there etc), etc and you can get still get financial aid?
My parents were dirt poor so I got all my tuition paid in full. 15k per year.
>>74318632
Easy bro.
That's around $400 per week or $1600 per month. You pay like $230 per month. Just pay an extra $200 per month and watch the time it will take to pay off the loan go from 13 years to 3 years. Live super cheap man. Any more than $50 per week on food is a waste and nobody needs an $800 iPhone. If you absolutely have to move out then try to split rent on an apartment with someone to save money. $12/hr is great even in Canadian pesos where it's minimum wage (inflation making it worth less)
If you know how to exercise restraint and self control then paying off loans isn't too tough. Although next time you may want to consider saving up more of the cost to avoid the killer interest costs first.
>>74314611
I'm about to. Graduating this fall with no debts and I had an extra 60,000 yen from my university monthly. I live in a cheap student town so that plus part-time work was enough to live a decent life.
>>74314611
>save money from high school job and working summers during college
>come out of college debt free
>still no decent job, same place as where I left off.
Could be worse I guess.
>>74311786
>FUCK YOU HIPPIE! DO YOUR FUCKING DUTY AND VOTE FOR YOUR PARTY'S CANDIDATE!
Eat shit I'm jumping on the Trumptrain.
>>74327698
the most is a little over 5 grand isnt it?
>>74324177
He's right though. The faggots and crybabies pushing diversity garbage have all been majority white (and no I don't consider Jews white). The non-whites just jumped in opportunistically.
The people most efficient at white genocide are whites themselves.
>>74311786
Holy mother of kek, I had no idea these faggots were ineligible for SS and medicare until their loans are paid off.
Only a fucking moron would take on these loans.
>>74330789
Good choice senpai
I'm not sure if Trump will do a good job, I just want to see what he'll do.
It'll be amusing knowing that, whether good or bad, we have liberals to thank for it.
>>74316771
>Work hard to "get mine"
>Got it
>People bitch, whine and moan because they want to "get theirs" too
>They don't want to work for it
So yeah, fuck them.
Anyone mind explaining to me how it's better to pay more than the minimum?
Going to finance a car tomorrow, with 0.9% APR and a lot of my coworkers tell me to always pay more than the minimum to pay off the interest or something like that
>not being poor enough to get your tuition paid in full by grants
>not being rich enough to not have to worry about loans
get fucked middle class fags
>>74313740
This right here. There should be a documentary made of all these horror stories and shown to high school kids, kind of like the things they show kids in health class about the dangers of smoking, drunk driving and unprotected sex. Also make calculation of interest rates on loans part of math class instead of abstract algebra problems. Once they've had their warning and they still want to take out that loan to go to college to party and earn a worthless degree in gender studies or some shit...well...you were warned GOY.
>>74332487
Because when you make minimum payments most of it is just going towards paying of the interest and barely even making a dent in the principal, meaning you stay in debt longer and the bank makes more money off of you.
>>74332487
if you pay the minimum it will take you longer to pay it all off, which means more interest will build up, making you pay even more for even longer.
If you pay more than the minimum then it won't take as long to pay it back, and the interest won't have as much time to build up.
>>74311786
>$26,000 borrowed
>$45,000 owed
How?
I'm still almost $10K in my student loan, and am chipping away at it. When I signed the loan, I was given a plan that would pay it off in 15 years or so. The monthly payment was calculated at that time in a way that I will always pay more than the interest that month, and some of the principal would go down. I thought that's how EVERY loan works.
Are people taking out loans with minimum payments being LESS than the interest that compounds over the month? Who the fuck would sign such a thing?
>>74332551
>Father was listed as my dude for muh grants
>Dies
>Have to redo fafsfa
>Mother remarried
>Husband makes significantly more than my father, unemployed did
>Now only get half as much in grants
>He refuses to pay for any of it.
great system you guys got going here.
>>74313651
No one spergs like the military. Respectable.
>Americucks will defend this
>Bought into the jewish lie that one day they'll be rich so the system is good
>Hurr capitalism is fine
>Hurr debtors prisons
LITERALLY DIGUSTING
>>74314611
GI bill. Worth every second of every of every deployment. If i keep to my plan i will only have to pay out of pocket for 2 classes my last semester.
>>74314611
Borrowed 30k, payed it off before it started gaining interest with my job out of college
>>74324247
>BMW
>ricer
Maybe you're the idiot anon.
>>74317818
Why do you need to go to school?
Do you know exactly what you're going to do?
Do you have previous experience in your past years (you're 27, you've had 9 years since you turned 18) that lets you know it's a good fit?
There are other options if you can't answer with a resounding yes.
You are WAY TOO OLD to start putting yourself in debt.
>>74311786
>32000$
>45000$
Mother of god.
I hope you got best education in world for such monies, at least.
>mfw fleecing leftcucks
Almost as much fun as bombing ragheads. Almost.
>>74334339
Why do people think college is expensive? Elementary schools spend an average of $10k per year per student.
>>74311990
Minimum payments
>>74331118
That pays more than half of instate tuition for a state school
>>74332487
Yeah, so what you want to do is pay the largest amount of money you can as early as you can. Let's say you borrowed $20k. If you can pay $10k of that immediately then only $10k begin to grow interest. Let's use your interest rate, 0.9%, (is that accurate? that seems very low for a yearly interest rate, do you have an 800+ credit score?). So, after 1 year, $20k (assuming no payment is made) will grow by $180 the first year, then an additional $180 + (0.009)(180) = $181.62 the following year, which will continue to compound. Now, with $10k (assuming no payment again) your debt will grow by $90 the first year, then 90 + (0.009)(90) = $90.81 the following year. So, basically, the principle compounds by that 0.9% every year, so if you knock as much of that out as you can as early as you can, you'll see less of the principle compounding every year, thus saving yourself money in the long run, especially if you pay it off early, so that you'll have some years after where the debt won't be compounding (or 0$ would be, so the interest is $0). Of course, it's also nice to pay off the debt early so that you don't have any debt hanging over your head.
>>74332675
I can't speak for everyone, but I had compounding interest in algebra II (or maybe precalcalculus, I don't remember). It was in there with radioactive decay and some other examples of exponential growth/decay. If it was algebra II, then (in my state) everyone had to take it.
>>74333419
She clearly didn't major in math. The only way that is possible is if she didn't pay any money towards that debt (or some number that was less than the interest building on the debt). If she paid $32k, it is not possible for her to now owe $45k if she borrowed $26k.
>>74314611
Went to a state school and they gave me 10k just to be in their honors nursing program, more than enough to cover all of my tuition since i didnt fall for the dorm meme.
>>74327915
b/c there arn't many loans you can do that with
>>74311786
>What cost $26400 in 1983 would cost $63343.01 in 2015.
>Also, if you were to buy exactly the same products in 2015 and 1983,
they would cost you $26400 and $10931.52 respectively.
http://www.westegg.com/inflation/infl.cgi
>>74333949
My parents could have easily paid my student loans, but they didn't (and won't unless it looks like they're about to ruin my credit score), so I've been in investment banking for the past almost 2 years. I've been making the payments (and more), but I realized that I can't continue with the 90 hour work weeks investment banking has. I figured that since I was already looking to apply to OCS and join the Army (first choice), that would also be beneficial because they pay a portion of your student loans (I think it's like $65k, so more than most people have).
>studen loans
Just don't do a stupid study.
Better yet, get a blue collar job.
>>74333754
We switched to a system closer to the US because it was getting too expensive.
It's still subsidized but students are expected to loan these days.
Besides, you don't need a degree since blue collar jobs most often don't need a degree and pay good enough.
>inb4 waaaahhh I don't want that kind of work
Fuck off
>>74311990
Less than minimum payments and blazing up with the rest of the cash. Most of that is late fees, and pay the damned drug dealer fees.
>>74320818
I went to a ghetto highschool that was 70% nog and i still learned that shit. Also my teacher for home econ in HS had a massive star of david for a chest tattoo
>>74313881
And sell any assets to her children for a low price to avoid their children inheriting her debt.
Whoops, that was supposed to be my secret.
>>74313926
According to biblical scripture, usury is bad, unless it's for the glory of the church.
