What would happen if someone happened to take out student loans, finish their degree(or not) and then left the country without paying them back?
Their credit would be shot but would anything else happen if they didn't return? Because I'm not sure why this isn't a more significant problem. Couldn't tons of people theoretically do this with no repercussions?
>>52058066
In Britain, a student loan has nothing to do with your credit rating because it's not a private loan. It's a government loan, and it's not real debt because you are never chased for it, and there is no deadline of repayment. It automatically comes off your salary when you earn above a certain amount, so it's basically an income tax.
So yeah we could just get a job in another country I guess and not pay the student loan. If we don't pay it in 25 years it gets wiped anyway.
>>52058066
>pic related
>>52058138
that is disgusting
>>52058138
>In Britain, a student loan has nothing to do with your credit rating because it's not a private loan
Wouldn't you still be labelled as a non-paying nigger?
I imagine they wouldn't allow you back into the country if you did that(as well as many other western countries).
>>52058163
What's disgusting? I guess it's disgusting that the taxpayer has to pay for kids to go to university.
Did you know that teenagers and students VIOLENTLY PROTESTED when the amount of the loan increased, but the repayment rate decreased? That's the level of socialism and feeling of welfare entitlement that exists in this country.
>>52058185
>wouldn't you be labelled
By who? Nobody would know. As I say, if you are in this country and you are earning above a certain amount (£15k for me, but £21k for today's graduates) then the taxman takes it off your salary before you get it (the amounts are very low really). And if you're working outside this country, well, I can't imagine you're expected to send the money back to the UK to pay the loan. I mean maybe, but I don't think that happens. You only have to declare to the UK taxman any income that you earn in this country. So if you had a job abroad (and resided abroad) then our taxmen wouldn't know about it I guess.
>>52058319
Government loans. The fact that students feel entitled to other people's money.
Government (guaranteed) loans are the reasons our tuition has increased so much.
>>52058138
Which is amusing to me because I was priced out of going to uni by the sheer fact that my student loan never arrived.
I was accepted by every uni I applied to and it just simply didn't arrive, so I had my degree stolen from me.
I spent months on the phone being sent from one department to the other merely being phobbed off.
>>52058066
>>>/biz/995681
Can you stop spamming that shit?
Stop being a fucking retard and work you dumbass nigger.
>>52058319
>By who? Nobody would know.
I guess not in the UK but in every other country it does seem to follow you.
>>52058423
>Stop being a fucking retard and work you dumbass nigger.
>Says a literal Brazilian
Don't you have someone to behead right now?
I only reposted because /biz/ is super slow and I would get twice as many responses and discussion on this topic if I posted it in /int/ AND /biz/.
>>52058319
>I guess it's disgusting that the taxpayer has to pay for kids to go to university.
how is that disgusting, i gladly pay tax if it means everyone gets access to education
>>52058514
>Lives in a literal tax haven
lmao sure buddy
And no some people don't want to pay their tax money so that people can study Women's Studies and psychology.
>>52058066
Here you would be extradited and jailed.
>>52058457
I'm a 21 yo employed university student that uses the own money to pay for subsistence and college. I live by myself and never complain about my life.
This all in a third world country born from poor parents.
You don't have the morals to call on me you cesspool of failure.
>>52058185
>>52058427
Sorry actually I was wrong - you ARE expected to repay the student loan if you're working abroad, there's a system for it. Haven't found what the consequences are though if you don't. Maybe it's a crime and you'd get locked up upon return to the UK. I'm sure they would try and get the money off you somehow actually, they're not dumb at the end of the day.
As for it following you to other countries, maybe?
>>52058379
Government loans are good, they enable ANYBODY to go to university. They pay your tuition AND your living cost.
>>52058409
>stolen from me
Why are you such a whinging faggot who can't take responsibility? If you couldn't sort it out that's your fault.
Student loans might be fucking bureaucratic but you're entitled to a loan - if you didn't manage to sort that from them then that's your fault, stop trying to blame others for your mistakes you wanker.
You are everything that is wrong with the youth of today, expecting everything for nothing.
>>52058514
Even if it means a large majority of those people will go to liberal arts? Why pay for the education of people who pursue worthless degrees when all they do is bitch and moan about how they can't find a job "worthy of muh degree"?
Most people who go to college aren't meant to go to college anyway, they'll drop out or graduate with shit GPA. More people having degrees also would dilute the worth of a degree.
To be quite honest, they should funnel all funds towards STEM and maybe Finance/Accounting. It'll pay for research and facilities. Make the rest of the majors pay for their own education.
>>52058514
>how is that disgusting, i gladly pay tax if it means everyone gets access to education
It does not mean this.Poorer people end up paying for middle class and upper middle class kids to go to university.
Which student is going to have higher test scores the son of a plumber (tries to study at night after doing chores and feeding his siblings) or the son of a doctor (multiple tutors, prep classes, and opportunities).
>>52058138
Tried to study in Britain. It's the most expensive place on Earth.
No thanks.
>>52058609
>I'm a 21 yo employed university student that uses the own money to pay for subsistence and college. I live by myself and never complain about my life.
Well who forced you to?
Look both of us can enjoy this. It's not mutually exclusive.
>>52058621
>Most people who go to college aren't meant to go to college anyway
This.
>To be quite honest, they should funnel all funds towards STEM and maybe Finance/Accounting
THIS.
Subsidizing education to some extent CAN be ok, but it needs to be for shit that isn't god-awful. STEM should be(imo medicine particularly should be subsidized, it's expensive and the people who get to med school are very smart and valuable for decades to come).
Most people go to University just because "well it's the next step xD". No you do not need to study art, no you do not need to study psychology or some other dumb bullshit.
>>52058543
lol wtf does being (or not) a tax heaven has to do with this? we pay education tax and have free universities. its the main thing that allows social mobility. of course youd complain about meme careers, some here thinking of higher education as unnecesary, when one can live in first world country as a mcdonalds burger fliper and earn 2k a month. youre spoiled
>>52058873
>some here thinking of higher education as unnecesary, when one can live in first world country as a mcdonalds burger fliper and earn 2k a month. youre spoiled
Different living expenses maybe?
Yeah compared to Central Africa mcdonalds workers in Canada are millionaires but that's really narrow and dumb thinking.
The fact of the matter is that no one should be forcibly stolen from to pay for other people. That's ridiculous. I don't see how you can justify literally taking money from other people to sustain a bunch of losers and governments.
>>52058621
>people who pursue worthless degrees
The world needs creativity you autistic cunt. Creativity spurns progression. The people who make the biggest changes in technology are more often than not the types of people who do not need or take classes.
>>52058855
>medicine particularly should be subsidized, it's expensive and the people who get to med school are very smart
Anyone can become a doctor. It is 90% banal memorisation and very little to do with intelligence.
>No you do not need to study art, no you do not need to study psychology or some other dumb bullshit.
A world without people with these interests would not be a world you would want to live in. Do you want to use the Internet entirely confined to purely textual input with little to no graphical user interfaces?
You fucking stupid kid. Making STEM cheap and pumping out thousands of people who can pass a test but fail to come up with something of their own unique and evolutionary is fucking pointless. All that will do is create another generation of cheap corporate drones in technical fields. This benefits corporations, not societies. The real focus should be during the early years of schooling, not during the tertiary phase.
>>52059023
>The world needs creativity you autistic cunt. Creativity spurns progression. The people who make the biggest changes in technology are more often than not the types of people who do not need or take classes.
Creativity is not created in college classrooms. The best artists, musicians, and writers where not made in universities.
>>52059023
>Anyone can become a doctor. It is 90% banal memorisation and very little to do with intelligence.
No not really. Not sure how it is in Australia but it takes an absurd amount of dedication and work in Canada.
Takes like a decade and perfect marks(undergrad and MCAT) + hundreds of hours of volunteering. EVEN THEN only a few actually get in and finish medschool.
>Do you want to use the Internet entirely confined to purely textual input with little to no graphical user interfaces?
Why do you think you need to go to university to do this?
>Making STEM cheap and pumping out thousands of people who can pass a test but fail to come up with something of their own unique and evolutionary is fucking pointless
Why do you assume they're uncreative? I don't get this misconception meme.
We simply DO NOT need so many psychology, anthropology, historic, english, art, etc majors.
How many fucking Historian and psychologists(requires PhD to become psychologist which most do not pursue) do we need?
If you're good at art/creative fields like you said, you DO NOT need a degree. You need a portfolio of previous work and a brilliant mind.
>>52059023
Good thing Intel is filled with people who didn't take classes to make breakthroughs in computing
Good thing Microsoft is filled with tech whizzes who don't need no school to make products then
Good thing Google, Apple, IBM, Oracle, AMD, Nvidia, Huawei, Samsung, Glencore, Lockheed, Boeing are filled with nothing but innovators that do not need to take classes to achieve what they've achieved.
Grow the fuck up. The people who didn't go or dropped out to create technological breakthroughs are few and far between. Even then they still need to work with people that spent years studying earning their degrees to truly achieve their vision. You think Gates and Jobs made Windows and Apple on their own? They had tens of thousands of people who properly went to college to do the heavy lifting.
>Creativity spurns progression
Like what the fuck are you saying? Do you think people who majored in science or engineering are lacking in creativity? How do you think those people find ideas for their capstone projects? If anything, creativity is integral to science, alongside hard math.
>Anyone can become a doctor
True, I believe, barring physical or mental deficiencies, that anyone can become a doctor provided they are motivated enough.
>It is 90% banal memorization and little to do with intelligence
Oh so doctors now rely 90% crystallized intelligence huh? That 10% fluid intelligence is enough to deal with constantly changing conditions and unique circumstances of each patient huh?
Fucking kangaroofucker.
>>52059240
>Grow the fuck up. The people who didn't go or dropped out to create technological breakthroughs are few and far between
THIS. The people who dropped out and became successful are literally 1 in tens of millions. And the way they became successful wasn't sitting on 4chan and shitposting or videogames all day. They worked on their talents and/or business for 10+ hours a day, to the point they had no time to actually attend highschool or university.
Typical Australians derailing the entire topic of the thread with some dumb shit.
>Le STEM majors are just memorizers and dumb & uncreative meme!
>Arts students are all innovative and bright meme!
>>52059123
This. Creativity is not learned, it is created.
>>52058927
wtf is narrow thinking? i brought up that fact to point out that thinking higher education is unneceesary for most people is a delusion only possible because of the spoils of living in a developed country.
in fact its the same kind of decadent thinking that allows people to think theyre able to easily make a living off art degrees.
neither see worth in higher education, or its relation to survivability and having a functional society. here, even losers understand they cant live off an art degree. thus everyone tries to not be underachiever.
your problem is more about what you refer as lsoers, society, lack of motivation, than public education. if you remove the later, and dont solve the first, your society coutnry go to shit in a few generations.
>>52059485
>if you remove the later, and dont solve the first, your society coutnry go to shit in a few generations.
I guess but I don't think we should be enabling bad behavior.
Universal healthcare for example is maybe a good idea in theory but when you're pretty much enabling people who have shit health thanks to cigarettes, overeating and drug use it is pretty retarded. The healthy people pay for the sick(by their own demise). It makes no sense.
Same with subsidized higher education, the engineers who worked hard graduate and make a lot of money doing useful things but then they have to pay a huge amount for some lazy retards studying art and "17th century nigger history" or whatever.
>>52058686
> It's the most expensive place on Earth.
For a Brazilian, maybe. Anything above absolutely poverty may as well be the most expensive place on Earth for you.
>>52058066
>I'm not sure why this isn't a more significant problem
Because you're ignorant. It happens a lot.
>>52059638
Shouldn't you be sucking out Muhammed's creampie from your boyfriend's asshole right now, Sven?
>>52059617
We are fucking expensive m8
>>52059659
#rekt
I was actually thinking about it a few days ago but I guess that it applies not only to student loans but pretty much every loan and mortgage also
>>52059691
London is expensive, everywhere else is fairly cheap. The only other thing that would be expensive is the tuition fees.
>>52059740
Yeah problem seems to be you'd get blacklisted from nearly every country worth living in. (and not allowed to return)
Seems like bad trade off desu.
>>52059543
Just because you don't enjoy the course or class, doesn't mean you get to dictate what is important or what isn't. I may not agree with having dumb classes like Woman's Studies or the like, but some people do in the same way I'm sure some would not enjoy the idea of Police Foundations.
I'm not sure if you are aware, but companies take cuts out of your benefits if you have a smoking problem. You also only get benefits from the Government if you are under 18, on Gov support, or attending school.
>>52058647
Every student here is entitled to the full tuition loan, but the size of your maintenance loan/grant (i.e. the money you use to live on) is dependent on your household's income. So the poorer students get a larger sum of money and they don't have to pay as much of it back.
>>52059840
>Just because you don't enjoy the course or class, doesn't mean you get to dictate what is important or what isn't
It's not because I(or anyone else) doesn't like it. It is objectively unimportant and a waste of time.
We should adopt a system similar to Germany(one of their few good policies) where they allow admission into University based on what society is estimated to need at that moment. Rather than creating 15 000 women's studies majors that will be indefinitely unemployed unless they pursue academia or public sector leeches.
>I'm not sure if you are aware, but companies take cuts out of your benefits if you have a smoking problem. You also only get benefits from the Government if you are under 18, on Gov support, or attending school.
I am referring to our healthcare system which is shit and people abuse to the maximum extent.
Depends on where you are.
America's student loans will track you down relentlessly and it's not helped by a philosophy of taxation that tries to charge Americans living overseas for the privilege of having American citizenship.
One of the reasons why it's occasionally suggested that collections of our HECS-HELP loans should be decoupled from our taxation system is it would allow for easier recovery from Australian graduates who move overseas, but by and large most people consider it to be a graduate tax and object to the change.
>>52058066
In my non-Japanese homeland people get away with not paying all the time, from what I heard.
Student loan is not even that big of a money. You can probably pay all of it with maybe less than a year of salary as a newgrads.
But yeah the govt don't have scary guys chasing them around collecting denbts.
