>he fell for the College meme.
Actually, I need a student loan this summer of near $40k vuz my parents are broke LEGAL immigrants.
Do YOU have any regrets about YOUr student loans?
I have credit scores of 762 and 778, with zero debt. I HATE the idea of owing someone a shitton of money WITH interest payments.
Any way around this?
Majoring in Writing or Journalism if you want to know (writing fiction and nonfiction and proofreading is all im excellent at unfortunately).
>>70214440
>took out a 30 year loan on 26k
>complains when haven't paid it off in 23 years.
These people are retarded for taking out a loan like that...
>writing or journalism
into the trash it goes.
>>70214596
the reality though is these lenders are giving out loans to kids who have no idea what they are getting themselves into.
it's predatory banking--same shit that led to the housing crisis. while there are definitely plenty of irresponsible morons out there, you have to be a special kind of bootlicking retard to not admit there is a problem.
I suspect she didn't study economics at college with that loan.
>>70214638
i majored in writing, i have no debt, am about to buy a house, and have a 6 figure salary.
>unironically believing your major has to havee any reflection on your career
thanks for admitting you are underage.
>>70214440
>going to college
Biggest meme there is, do NOT fall for this.
Even here, where college is "free" (it actually isn't), it was a big fat waste of time. I couldn't wait to get out and I learned nothing.
As soon as I was done with that garbage, I couldn't find a job in my area of expertise (Journalism, what a shocker), so I had to enlist as an officer in the army to make a living.
Could have done it YEARS ago. Do NOT go to college, especially if you're planning on studying for a meme degree (not STEM).
>>70214440
>23 years
I paid off my student loan in a single fucking year
around the same ammount Amurican dollars
>>70214440
>she takes out a $26,400 load to get a degree in gender studies
>she makes the minimum payment every single time
>minimum payment doesn't even keep pace with the interest
>compound interest continues to be charged
>wonders why
Women, everyone.
If she read the fucking contract she signed, and actually understood it, this would not have happened.
I mean, wtf do you expect if you sign up for a bad loan eg. 20% interest per annum, compounded, after the first 12 months interest free, and then make payments that don't even cover the interest generated per annum?
Fucking hell, I'm not even jewish.
>>70214675
>Majoring in Writing or Journalism
M...maybe the government should stop subsidizing bullshit degrees that don't lead to a job.
If the government doesn't underwrite the risk associated with these degrees, banks will stop offering loans for them.
I don't know what state you are in, but I live in PA and we are probably the worst-run state in the union when it comes to things like education funding and the like.
Go to CC for two years. This is non-negotiable. Use the associates to at least get your foot in the door somewhere as an entry-level.
Work for a year or two and save, then go to a state-school nearby.
I'm graduating in May with more money in the bank than I started college with, the only trade-off is I'm 24 instead of 22. Big fucking deal.
>>70214675
You should understand at this point that there are alot of uneducated folks on /pol/ who have never set foot on a college campus. These people haven't entertained the idea of taking out loans to pay for schooling.
>>70214440
>he fell for the Jewish Scheme
its called usury for a reason.
>Oy Vey spread those buttcheeks goym!
also minimum payments are for retards anyway, let shlomo rob them
i dont give a fuck
>>70215002
http://www.tvi24.iol.pt/sociedade/20-10-2015/ensino-superior-portugues-tem-as-propinas-mais-caras-da-europa
>>70214638
In the United States we have freedom of the press, so writing and journalism could actually pay off. It must suck to live in a country where the press don't have the freedom to inform the citizens.
>>70214675
Stupidity and ignorance isn't an excuse
You CANNOT defend america's tertiary education payment system
>>70214708
>i majored in writing
>have a 6 figure salary.
Oh anon. Why couldn't you have forged a plausible backstory?
>>70214708
With writing like that, sure you did.
>>70215044
For fucks sake even the current state of that loan that person has is still doable in like 3 years if you try hard enough and know how to do more than flip a burger.
>>70215002
The biggest meme is going to college to get job. College never guaranteed anyone a job, it guaranteed an education. You should have just wThe Nixon campaign in 1968, and the Nixon White House after that, had two enemies: the antiwar left and black people. You understand what I’m saying? We knew we couldn’t make it illegal to be either against the war or black, but by getting the public to associate the hippies with marijuana and blacks with heroin, and then criminalizing both heavily, we could disrupt those communities. We could arrest their leaders, raid their homes, break up their meetings, and vilify them night after night on the evening news. Did we know we were lying about the drugs? Of course we did.ent to a job fair or trade school. I guess you lacked the mental capacity to figure all this out though. That would explain why you failed to achieve the merit of graduating college. It's certainly not for everyone.
No, I didn't take any loans, but if I did, I'd have been able to pay them off. Cal grant + pell grant + work-study, bro.
>>70214708
>doesn't post using capital letters
>uses way too many commas
>mispells the word have as "havee"
>using underage as as a bant
-2/10 apply yourself
Start at community college and see if you can get a paying internship for the second half
>>70215314
everyone stops taking out student loans -> education cost less
kick out faggot low skilled immigrants
then you have 3 paths
#1 Study very hard in school -> get scholarship all fees paid
#2 part time study + working
#3 Parents pay your tuition
#4 Work for 1-3 years in mexican tier jobs to save up tuition cost
>>70214675
>kids have no idea how loans work
They don't have parents, or what?
I mean, my parents had to fill out my fafsa too and they read it. Why are bankers predatory because people don't read the contracts they sign?
>>70215454
>College never guaranteed anyone a job, it guaranteed an education.
Fact is, real jobs require a college degree. At least over here. Sure, college doesn't guarantee you a job, but not going to college guarantees you unemployment or a shit job.
Unless you want to be a door to door salesman or work at McDonalds for the rest of your life - you need a college degree.
I didn't fail to achieve the "merit" of graduating college. I graduated. Try to keep up, college boy.
>>70215652
Yes. If you actually read everything you are required to in life you would still be reading at this moment and never be done for 10 lifetimes.
Nobody has time and everybody will make quick assumptions to figure things out faster.
>>70215780
>I can't read a hundred pages in less than a decade
Maybe college isn't for you
>>70215844
There were several hundred thousand pages of new laws published just within the last few years.
What page are you on?
>>70215883
What does that have to do with the FAFSA?
Seriously, I don't think college is for you senpai.
>>70214440
Just FYI
$26,400 borrowed in 1992 would today equal $44,600 simply because of inflation.
So she still hasn't paid back her original loan, even if she had a 0% interest contract.
>>70215652
>They don't have parents, or what?
You haven't figured out most parents are genuinely retarded?
Most think any college is good college.
>>70214675
>t's predatory banking--same shit that led to the housing crisis.
They fixed this by making it impossible to default. Basically indentured servitude.
>Fact is, real jobs require a college degree.
This is, for one, false. A lot of good jobs are more or less handed out by nepotism at this point.
The rest is mostly degree bloat making every job require a degree. Along with labor oversupply making it an employers market.
>>70215981
It's actually the done thing for your tax agencies to let people get it fairly wrong becuase nobody could possible get it all right.
>>70215652
>Why are lions predatory because gazelle don't see that they are being stalked?
>>70214440
>student loans
>participating in usury
congratulations, you are the people who give Jews their power
>>70216575
>gazelle are blind and incapable of looking around
Seems about right, m8.
>>70215044
wait, the first year is interest-free? is that standard? or is that just how it works in Straya?
>>70214440
"What is interest" the picture. Fucking dumb cunt. This is basic math you can do out that you should know what you're getting into.
>>70214440
In my country, the interest for taking out a student loan is 1%.
I'm seriously considering taking it, because I have been stuck in welfare and doing unpaid work (praktik for fellow Swedes) for 8 hours, 5 days a week. I want to use this money to save up and move out of this shithole of a small town-- and hopefully transition into a better situation.
Why am I in the wrong, /pol/? What would you do if you've given up hope after three years of on/off unpaid work? To get welfare, I have to search ten jobs a month. I do that, and the only job interviews I receive are from those that reside 7 hours away from where I live. It's ridiculous.
>>70215102
yeah ive heard that strategy before too, sounds like the most fiscally-responsibe one tbqh.
ill definitely try that. im in Illinois.
>>70215153
i didnt fall for it (YET), im planning on getting the loan in the summer if I cant find any other way to get around it
>>70216918
You lost all the way back when you decided to cuck yourself into unpaid work.
You deserve every single bad thing happening to you from that moment forward.
>>70214675
>sign a contract
>complain when contents of the contract are executed
And it's not the 100 pages of legal bullshit that matters, it's a simple interest rate calculation that you can do in 5 minutes
>>70214440
>paid back $32k over 23 years
was she on welfare the entire time? she obviously didnt use her degree then
>>70215598
yeah someone else mentioned that strategy too. frankly its clearly the most fiscally-responsible strategy so far. ill definitely try it. i HATE even the THOUGHT of owing someone else ANY money.
Here we have a student loan system where you can loan a monthly payment of around 1200$ maximum per month. You begin paying it back after university and only if you have a job. If you have a job than the amount you pay back is a maximum of 4% of your income before taxes. You have to pay it back in about 30-35 years. But, if by some reason you weren't able to pay the full amount you loaned back. The government just invalids your remaining loan. So you are debt free of university loans. Also the interest rate is about 0,1%. I took the maximum loan myself and am investing it currently instead of spending it on umiversity, i'm paying university out of my own money since tuition fee is only 2000$ per year.
She probably thought a beta was going to pay it off for her but judging by her face I think she overestimated the value of her slimy hole.
>>70216680
i havent taken the loan yet
>>70216918
i thought your college was """free"""?
wait do you do unpaid work for 8 hours a day, or a week? our "work for the dole" is 25 hours a week, or 15 if you are over 50 yo.
remember if your plans fuck up you are not only back to square one, but you are more screwed than before. choose wisely sven
>>70217017
>cuck yourself into unpaid work
Why do you think Sweden is so fucked? Taxes are killing the interest of employers, so they hire "praktikanter" (basically interns or slavery, however you wish to look at it) and never hire them.
I've had five praktik places. I've been told from the start that there is "very little" chance of being hired by employers; it's a nice way of saying that they won't consider hiring you.
If you turn down praktik places, you are threatened to be removed from our National Employment Agency (Arbetsförmedlingen), and if you are expelled, you lose welfare, and wew lad, there goes your shitty apartment.
I didn't ask for this, murricafag.
>>70214638
>muh stem master race
Oh jew. You realize that all these degrees like writing exist because there is still demand for them, right? You just have to work harder and stand out more in your field to get paid for it. If you do gender studies with a C average, you won't get a job. But you could still get a nice HR job if you got all As
>>70214440
I would scope out what your job prospects are before majoring in anything. Especially in journalism, i would imagine its more who you know not what you know.
Student loans are great if you have actual career goals and study for said career. If you do all this and end up in some office job then its just a waste of time and money.
>>70214440
*COUGH* THE FED *COUGH COUGH*
>>70215761
You're talking to an Australian, for most of /pol/ life we've been able to earn 6 figures driving forklifts.
I currently owe 30k. I haven't made a single payment in about 3 years. Once my income hits a certain cap I will have to start paying though. My only hope is to get a state job so the debt is dissolved.
She must be paying faithfully at $20 a month.
>>70217591
I owe the same. I'm about to die though so I'll never have to pay it back. Never made one payment. Jews can kiss my ass.
>>70214440
the same people calling for student debt forgiveness are the same people who defend the cause of a huge rise in student costs, affirmative action.
>>70217315
Technically, yes. I think certain places are not funded by taxpayers, however. You are given a certain amount of money for free from a place called CSN, and then given a choice to take out a loan.
My rent and bills takes up a fair bit of this free money, so I can't save up because I need food. (Apartment: 2,000 sek; internet: almost 400 sek. Electricity: About 180 sek.
Free money from CSN: About 3,500, I think. Unfortunately not enough to cover my average food cost of about 1,800 sek/month. I'm going to have to take a loan).
>6-8 hours 5 days a week is an average praktik time for usually up to 3 months
>choose wisely sven
Thanks, kangaroo.
Whatever, college will get more expensive and become more of a prized asset than before
-Rich people go to college cuz they can afford it
-Poor people don't because they can't
-In betweens either go and become rich and pay it off or fuck up and become poor
-College is reinstalled in American culture as a privilege
-We have no middle class
I don't see a problem there at all.
>>70214440
That sign looks shopped.
And a weird shop.
>>70216827
>or is that just how it works in Straya?
Nah bruh, the whole loan is infation only interest here. And you get paid something like $14,000 in welfare each year you're studying.
>>70217330
>you are threatened to be removed from our National Employment Agency (Arbetsförmedlingen), and if you are expelled, you lose welfare
thats the same for us ausfags. if you dont accept unpaid work you get cut off welfare instantly, and are required to go through an incredibly irritating process to get put back on it. if you fail to upload your 20 or more "job searches" (all the jobs you have applied for over a month) you get cut off welfare for 8 or more weeks, depending on how many times you've failed to do it.
the local council has been culling workers that have been there for 30+ years just to make positions for unpaid work. its a fucking joke
>>70214440
you will literally ALWAYS, until the end of your life, owe someone money WITH interest.
the question i have to ask is why you need 40k, when a fully college education costs 40k.
youre either filing as out of state, or doing something wrong. either way, man up, take responsibility and get fucking instate tuition first.
paying loans is nothing new. a college education is small compared to a house. a college education is about the price of a car.
unless youre some dimb fucking retard applying as out of state xD
>>70217701
About to die?
>>70214440
Your education system is so fucking dumb, and what's worse is that people are consideringfull blown socialism because of it. Kek.
In Aus we borrow money from the government and don't have to pay a single cent until we earn $56,000 or more a year. No interest either.
Seriously get your shit together lmoa
>>70214675
I don't get the mystification behind this shit. You get the money you need, pay for your classes with it. When you graduate you have 6 months then you pay off the amounts plus accumulating interest in monthly payments.
>>70214440
>I decided to take a loan for which I knew the interest rates
>Complain when they charge me said interest rates
Why the fuck do they think they are entitled to complain.
>>70214440
> Do 4 years in US military
> Never have to worry about student loans
I'm 29, don't have a CC(and never have) and have not once been in debt
Only way to live senpai
>>70217854
-Colleges are forced to either close down or lower prices because there aren't enough rich people to support them, and the few who are rich enough to go are only choosing the ivy leagues.
-Poor people can now afford college again.
>have a meeting in an administrative building on campus
>overhear lady whose job it is to call delinquent borrowers who are grads from my school
>the whole time, just calling graduates who have just said fuck it and stopped making payments
>I stare into the abyss
>the abyss stares back
>>70215254
Finland is ranked #1 in freedom of press in the world, dumbass
>>70217744
Forgot to mention, that free money from CSN bumps up to over 6,000 sek if you've worked before and are covered by unemployment insurance (if that is the right translation) from "A-Kassa".
Unfortunately, unpaid work does not count, even though I've worked a cumulative amount exceeding well over a year. Like I said, it's ridiculous.
>>70217910
You poor guys, I thought 10 jobs a month was hard enough. I have to search jobs in the big cities, but can I commute there? No. Do I have enough money to move and live in a big city? No. Does our employment agency care? No.
At least I'm not one of those Swedes who are forced to get the personnel to sign a document that proves that Sven did indeed search this job. I can't imagine doing that ten times a month.
college is an investment. you invest money into your education in exchange for a career prospect that will compensate you. which is why you should not apply for worthless degrees.
>borrowed 26k$
>has to pay back ~75k$
i don't know if this is true, but if it is, it should be illegal. student loans should have very low interest rates. but i suspect that it is a lie since not even mortages and have having such ridiculous interest rates.
>>70214440
>Go to community college get a 4.0 gpa. >Get shit tons of academic scholarships, scholarships for not being white, and grants.
>everything is free and paid for
or you can go straight to university with no scholarships and experience "college life" with shit tons of debt.
>>70218055
She's a white woman, she'll complain about you sitting with your legs too far apart.
>>70214440
>take out $26k loan
>pay less than $120 a month
>at 7% the interest for the first month alone is $150
>wonder why you can never pay your loan off
>>70217744
how are your loan repayments organised through CSN? do they take a percentage of your allowance every week/month/whatever to repay it? we can take out loans here through Centrelink (im guessing its the same as CSN), however our allowance is reduced to pay the loan off over a few months or so
it sounds like you're in a really fucked position t b h. have you thought about moving in with friends or even your parents for the time being? your situation doesnt sound sustainable
>>70214440
Try for scholarships and grants? My father took out student loans to go to a university in Wyoming in his early 20s, he ended up partying too much and flunking out of college around age 23-24. He was only there for maybe 2-3 years, and had a lot of student loan debt to pay back. Luckily it is all settled up now, but in hindsight taking out those loans was one of the biggest mistakes he made.
>>70216088
no... no... NOOOO !!! Not the facts !
IT BURNS
FUCK YOU AND YOUR LOGIC
>>70215002
It's not about the knowledge that you will forget the next semester. It's about the networking. That's literally the only purpose.
>>70214440
College cost me 5€ a year, you tell me :^)
>>70218198
#occupymath
Actually that doesn't work because if she did that, she wouldn't have made that damn sign
>>70214440
Don't do it kid.
No jobs in writing or journalism, at least not in Mi.
>>70214440
>tfw €25K debt in student loans
>not even finished yet
>will probably end up 10K more when I'm done
>retards that study something irrelevant like humanities ask me why I don't work, ignoring the fact that being a full-time student doing a STEM master's is literally a full-time job time-wise.
>>70214675
I took out $50,000 in student loans and after 1 1/2 years of paying it off, I only owe $9,000 which will be paid by July.
Its like people dont like the idea of being accountable for the shit choices they made with how to use their money.
The government shouldnt exist to protect us from making bad decisions, it should exist to ensure we have the freedom to make these decisions in the first place.
>>70217916
>you will literally ALWAYS, until the end of your life, owe someone money WITH interest.
Nah, I won't.
>>70218198
>implying she can do math
In 23 fucking years she managed to pay 32.7k. For such a failure of a human being I'd be impressed if she could work that out.
>>70214675
These are fir the most part fed loans. Not bank loans. Most banks aren't stupid enough to give out these kind if loans. Its the federal gubgub creating a new class of serfs. Only serfs could at least receive land that they had learned to farm after they had completed their serfdom. Now you get a worthless piece of paper and useless knowledge.
>>70214440
Too bad you didn't major in finance or business
Enjoy your life as a liberal who bitches and everyone just rolls their eyes at you.
>>70214440
Welcome, legal immigrant offspring and thank your parents for following the law and filling out the paperwork. Good luck with your studies.
>>70218496
Although, my debt is actually around 40K and I have 15K in the bank so I earn more interest than the interest on the loan costs me which means it's pretty much an interest-free loan.
>>70216918
If you do it, make it an investment and study something that will actually get you a job and not just to "get" money. Maybe an yrkesutbildning or something, if you can stand being around leftists then folkhögskola has some useful courses.
Paying a year or so back to CSN isn't that bad if you studied something that got you a job so you have the money to pay.
>>70214440
>she fell for usury
Got jewed
>>70217199
Now this is higher quality banter then I've come to expect from a leaf
Keep it up!
Also nice dubs
>>70215780
That was the dumbest shit reasoning I have ever heard. You choose to enter in a contract with someone and neglect to read it...I hope you have that debt rest of your life.
>>70214440
Nelnet is the worst.
>>70218264
If I'm not mistaken, they take a percantage based on your monthly income. If you're paid 10,000 sek, I think the bare minimun is either 250 or 500 sek. Could even be 1,000 sek, I'm not entirely sure, but the main point is is that it's supposed to be manageable.
>however our allowance is reduced to pay the loan off
You mean you're not able to choose how much to pay back every month? That doesn't sound right. Do they take money from your income automatically?
Friends or family are unfortunately not an option. My parent is a diehard gibmedats, she just recently aquired a "sick pension" status to receive more money. My only friend is my ex, and I've lived with them before. The problem is that they live in this small town and aren't planning to move (they work in the next town over).
>>70218736
Thanks anon, there's one yrkesutbildning that I've got my eyes set on. I get to find out this autumn if they're taking in new applicants. Håller tummarna and crossing my fingers at the same time.
>>70214440
>Majoring in Writing or Journalism if you want to know
Oh god, what have you done. If you can do a job without having a degree, it may not be wise to get that degree.
>>70217363
Yeah a demand for your dumbass money. Fucking tard.
>>70218137
>Does our employment agency care? No
ha. these cunts are the devil. employment agencies used to be operated by the state about 20 years ago, but they have since been privatised
these guys are funded by the state in accordance to how many people they have on their roster. so they pretend to find work for you but never do, because if you actually found a job they would lose the funding for it
a friend of mine was with an employment agency and finally found a job (not through them however). they kept calling him and asking if he could kindly come to the agency and sign some shit to say that they (the agency) found him the job (they get incentives when they get a client a job). he told them to fuck off, so they called his boss and told them how much of a shit person this dude is and they should fire him on the spot.
>>70216827
It's just an example, but a very common one that lenders use to make the loans sound better.
>BIG BOLD PRINT:
12 MONTHS INTEREST FREE!
fine print at the bottom of the page:
Interest rate 19.5% p.a. after the first 12 months.
>>70214675
This.
These people are retarded but it still doesn't fact that the banking system is fundamentally fucked and immoral. They create moving out of nothing and then loan it out at interest but the interest is never created so some people ALWAYS lose. So this women paid 32.700 out of 26.400 initially created and and she still needs to pay 45,276 USD. That is over 60 thousands of money that she owed to to the bank that the bank NEVER created. That means you constantly need new suckers to joint he ponzi scheme so that new loans can be created so the interest on the old ones can be repaid.
And what's worse is that the banks can create these shit loans to people that they KNOW they will never be able to repay because they know that the US tax paper will be forced to bail them out if the shit hits the fan. This wouldn't be a problem if the banks themselves had to deal with all the failing high risk loans instead of footing the bill to the tax payer. But as it is now the system is immoral, criminal and unsustainable and it will come crashing down soon.
This shit is at 20 trillion now and that's just the US government debt, then you have credit card debt, private debt etc to. It can't go on forever and it won't.
>>70218568
The funny thing is if she'd paid $100 more a month her loans would be paid off by now.
>>70218889
There's nothing to discuss. You take out a loan, you have to pay it back.
MUH PREDATORY LOAN
Shut the fuck up. Predatory because you're too stupid to read a piece of paper before you sign it.
>>70219304
But how else will the economy continue to grow forever, goy?
>>70214440
I'm torn. My wife and I have 200k in combined student loans.
But we also make nearly 200k/yr based on the degrees those loans paid for.
We still love like upper middle class people and have a decent amount in savings.
I don't regret taking them out, but I think we probably would be in a similar earning situation if we went to cheaper schools.
>>70219257
>if you actually found a job they would lose the funding for it
Exactly. Funny thing is that they have no problem finding unpaid work/praktik vacancies, but when it comes to actual jobs, they leave it up to you-- and of course nobody actually finds a paying job through Arbetsförmedlingen.
That's just awful. Sorry about what happened to your friend. Did he actually get to keep the job in the end?
>>70218997
>You mean you're not able to choose how much to pay back every month?
thats right, its a fixed rate depending on what your allowance is (i think its like 10% or something. i cant remember ive only taken a loan out once). you dont get a choice usually, however there could be special circumstances for people with disabilities, the diehard gibmedats, ect.
>sick pension
ah yeah thats a common thing here too, alot of people i knew were abusing the system to get it for a while, apparently it was incredibly easy to qualify for a pension. it entitles you to a bunch of other free shit too (and job agencies / centrelink dont bother you at all).
i hope it gets better for you, theres nothing worse then being stuck on welfare
>>70214440
Go to Indeed or Monster and search for bachelor's journalism and bachelors writing and thank me later. No way in shit I would get in to debt with either of those degrees knowing what I do now. If you really need to do one or the other do writing (technical writing by the way) since journalists do not get paid anymore (read about AP and how much the story writers make, death of print rise of clickbait etc) and there are a number of proposal writing positions that make pretty decent pay. If you must go to college do an internship, entry level jobs don't exist anymore and once you graduate most places won't let you intern
>>70219409
>But how else will the economy continue to grow forever, goy?
It won't. The only thing that is growing now is the stock market and the debt.
Sure its fun laughing at dumb idiots that doesn't understand how compound interest works but sooner or later these unfunded liabilities will spread like cancer and fuck up the economy and then every one will have to take a huge bite of that big shit sandwich.
In a healthy society these idiots would have gone to a bank, asked for a loan and then the banks would have asked ''what do you plan on studying?'' And if the answer is gender studied, womens lib or any other meme subject the banks answer would have ''Sorry, we cannot lend money to you because its to risky''
But now the banks are being backed up the the tax paper so the banks are like ''sure thing hun, here you go'' and then they collect interest as long as possible and when it goes to shit they collect tax money.
The US is no longer a capitalist country, there is no such thing a to big to fail in a capitalist country. Banks should be treated the same way as companies. If they can't keep themselves afloat then FUCK THEM.
>>70219635
>Did he actually get to keep the job in the end?
well as it turns out he is an incredibly hard worker, and the boss promoted him after a few weeks of starting. so when the job agency called him, he just laughed and told them that he is one of their best workers and told the people at the job agency to fuck off ha
>>70218496
Do you STEMfriends have it so bad? I study law and I don't do much and I pass everything.
>>70219939
Not always. I study CS and sometimes I have a course where I easily pass without doing much, but other courses take up a ton of time.
There are weeks where I'm easily working 80 hours on courses (mostly programming projects in such cases).
And then I'm still only studying CS at a regular uni. Can't imagine how much time engineering students at a TU spend weekly.
>>70219939
>Do you STEMfriends have it so bad? I study law and I don't do much and I pass everything.
Well, you do have to get your shit together and actually know what the hell you are calculating. My teacher told a story about one of his students who was already working on the side. He miscalculated a house installation and single-handedly caused a solid €100k damage afterwards.
>>70219542
>I'm torn.
Why? You can't undo the past. Judging from your income, you're able to pay off your debts in the future and, really, that's all you can ask for at this moment in time.
>>70219698
I'd prefer to have the control to choose how much (or how little if it's been a financially tough month) to pay back.
Yeah. She's not even 50 and is legally considered a pensioner. She hasn't worked in 7 years due to an alledged Bi-Polar disorder. Personally, I think the medicine she's taken these past 6 years (at worst it was up to 12 different pills a day) made her mentally ill.
I never want to end up like her- jobless yet entitled to money- much less be around such a person.
Thanks, Anon.
>>70219859
Good for him! Glad things worked out.
>>70218496
Even in Netherlands education costs something? I got 4k student loan in order to buy a car, otherwise I got away with 40k welfare during my college years. Now I earn meager 40k a year for telling people not to hurt themselves in construction sites (I'm "safety manager").
>>70214440
You type like a fag
>>70218150
26k turning into 75k over 23 years is a 4.7% rate. Given that she has presumably been paying it back continuously (as opposed to letting the whole 26k grow) the real rate is higher than this.
I agree, it's bizarrely high for a student loan. But I certainly wouldn't be prepared to loan idiots like this money for less than 7-8%. (And that's assuming they're legally prevented from defaulting!)
also this is one of the DANKest memes that is still circulating on jewbook to this day
>>70215117
>loans
>not getting merit based scholarships
People on this board are fucking stupid
>>70219542
>We still love like upper middle class people and have a decent amount in savings.
Live like lower middle class and pay it of ASAP. If you are the person that regrets shit from the past like that you will regret not paying it faster when you see how much extra interest you paid.
>>70220104
I can see how projects can suck up at lot of time. Thank god I don't have to do much of those.
>>70220149
My teacher told a story about one of his students who was already working on the side. He miscalculated a house installation and single-handedly caused a solid €100k damage afterwards.
Well fuck. Though lawyers fucking up can cause tons of damage as well, you can't be a lawyer untill you finished your studies.
>>70220295
I paid € 6000 for a degree, nowhere did it say "we'll give it to you for free".
>>70214440
>Any way around this?
Just get free education, go to a free university in Europe for example.
>>70214440
>Any way around this?
hahahahahahaha
america.. land of the oppressed, home of the moron.
>>70220177
Tuition is 2K a year (at least for your first degree, if you want to do a second bachelor's or master's, you gotta pay the institutional fee which is determined by the particular university or college, and can range from 2-3K to more than 20K a year).
But there's also books and other study-related stuff to buy, rent for housing, health insurance, food and shit and other expenses.
I loan about 1K a month, but a sizeable chunk of that goes straight into my savings account.I guess my monthly costs are about 500-700 a month (living at uni campus in student housing).
>>70220295
I hate this image so much
>>70215631
# 1 here. It's nice. All my friends have a shit ton of loan debt and I haven't taken a single loan.
>>70214440
>any way around this?
yeah, dont go to college. ESPECIALLY if it's for writing or journalism. journalism is about getting in touch with people and getting your writing out into the world. start a blog, report on interesting events, meet people at said events, and write articles
>>70214440
Why did you never jack up your payment, retard?
What a fucking idiot
I borrowed 26 and have about 4k left and I'm 27
I pay the minimum since I got my loans refinanced based on my home equity and 700 credit score and pay 2% interest
This person probably deferred them for years or paid interest only
>>70214440
>Writing / journalism
I hope you don't need food to eat because otherwise you will starve to death.
>>70214440
>Majoring in Writing or Journalism if you want to know (writing fiction and nonfiction and proofreading is all im excellent at unfortunately
Please Anon, dont go to College for that. If you are ambitious, look at the Curriculum they offer, then learn it yourself while supporting yourself.
Pick the things which interest you the most, other than that, build on your strengths and build up a Solid Portfolio of your skills.
>Not going in to the arts and making it on your own time.
>Tfw never went to school and making bank.
sucks to be plebs who think 5 year old memes make you creative and unique.
That happens without free college.
>>70215274
>ignorance isn't an excuse
It's enough of an excuse to turn legally fraud into negligence
>>70214440
>Paying for University
Jesus Christ Americans... the fuck are you doing.
>>70221300
being free as in freedom, but not free as in beer
>>70214675
>lenders are giving out loans to kids who have no idea what they are getting themselves into
These are 18 year old high school graduates, this isn't an excuse. Hell, when I was 9 I was able to figure out how loans worked just by messing around with Sim City, it's not a fucking hard concept. You have to repay the amount you borrowed plus interest, and the bank spells it out for them and provides a goddamn amortization schedule.
>>70219212
Great argument. You realize people are paid to write the news articles you read? People still read books. Someone has to write, edit, and publish them. You're thick as shit, but go ahead and show me how smart you think you are with another dumbass reply.
Here are some options.
1. Join the military to get FREE college.
2. Stay local, don't live on campus to "find yourself" if that means you have to take out loans.
3. Go to a community college for two years and pay as you go.
4. work part time and pay for some of the school.
5.Take the opportunity to enroll in college while in high school. Most states have this opportunity an it is free.
I've crunched the numbers several times. You can get a degree in 4 years with no debt or VERY minimal debt (less that 10K) if you do it responsibly.
Everyone is a special snowflake who needs to spread their wings and fly. This means they have to live on campus at a school that costs $35k a year. You dont need to do this. No one really lives more than an hour from a state university and/or a community college.
You can get a degree without debt. It is just that most students "Dont wanna" because it means doing it the responsible way instead of the fun way.
Source: I have 4 degrees (1 BA and 3 MAs and 0 student loan debt). I went to the crap local state school instead of the name-brand school because I didnt want debt. Should I have to pay for the education of a student who doesnt want to make the same sacrifice? Fuck no I wont. Suck it up, buttercup.
I also teach as an adjunct and see plenty of students doing college the responsible way.
>>70215254
United States? Freedom of the press? Hahahahaha wow thats some delusion. In reality you haven't had real press freedom for over 10 years, you are just to naive to notice / understand. Not that its any better in the UK since the new press charter was brought in, 2013.
The reality is freedom of the press just doesnt exist in most countries anymore, apart from in the most superficial sense.
>Borrow $26k
>Have to repay $78k
I'm pretty sure that kind of interest rate is illegal in the civilized part of the world.
>>70220295
>Chile
>Free
>>70222791
how much is it in Chile? do you guys have both public and private universities? i assumed the public ones were """"""free""""" but extremely competitive to be accepted into
>>70215631
Sensible post of the day. I went for #2.5 Full time study 30-45 hrs/wk with full time night work of 40 hrs/wk.However that was 19 years ago when we were not all self indulgent narcissist millennials that "deserved" a Uni education.
Its really simple, if you cant afford it, you cant do it without fucking yourself up. Same applies for cars and houses. Work like a dog for 3 years when your young and its easy, reap the rewards from your mid 20's onward.
>>70222727
It is in the UK for student loans. If you borrowed 26K over 10 years (maximum allowed for fixed payment student loan) you would pay back a max of 44k at 260 ish per month minimum payment. If you can reach 260 per month then what the fuck were you doing at Uni? You should have been at burger king.
>>70219824
This is true. Shame our politics are run by banks so abortion and le gay marriage are the most important topics.
>>70220295
It's "free" in Ireland as well. Apparently 3.5k/year counts as free.
>>70215320
>>70215334
your major has no effect on your career. i'm a sales VP at a successful software company.
once you grow up a little, you'll understand.
>>70214440
>what is inflation and interest
SHIGGY DIGGY DOO
