TOTALLY GEEKED!

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

Student loans

Lady Gaga Snerd · Guru

I think that colleges need to stop being subsidized by the Govt Teat. That if they had to compete in the Real world as the rest of us do and as businesses do, then the costs would reflect real market value. Pull the plug. Let the Universities Collapse. Those that have a real purpose in the world will find a way to survive. They will stop offering classes on Lady Gaga and set up certification programs and other programs that have value in the real world. And, if parents stopped mortgaging their homes and retirements buiying into the nonsensical college baloney, costs would also drop. Of course, my solution is LESS govt. Bernie and Hillary always want MORE govt. That is their solution to EVERY problem. MORE govt. Which as we know doesnt' work.

Lady Gaga Snerd · Guru

And, the notion that most of these current careers need a 4 yr degree? Well some do and some don't. We could have more trade and tech related and not so much 4 yr.

Cheerios4606 · Guru

Till colleges stop charging an arm and leg, vocational schools are the way to go. I will forever be someone that thinks college is a waste of time and money as long as our colleges are churning out self entitled little brats.

Lady Gaga Snerd · Guru

Well, vocational schools also charge an arm and a leg. At least around here. An Associates degree at the local tech schools costs over $30K.

Ohfour · Hooker

As I mentioned before, Jr College in TN is free. That really weeds out the ones that should be in college from the ones that shouldn't.

Cheerios4606 · Guru

Son is going to learn how to be a welder for under 20k.

Tignanello · My dog name is, Sasha!

Isn't education free if you join the military?

ed11563 · Guru

I think it should be a LOT more difficult to get student loans.

Car loans and house loans are secured by the value of the asset they are used to purchase, and applicants are turned down unless they have a good credit history.

Student loans?

Parent loans, or loans co-signed by the parents, are common.

But NOTHING IS DONE to make sure the money will be used to buy something OF VALUE.

If the banks had to have assurance that the degree the money was going toward, would actually be more valuable than not,

a lot of loans would be denied.

And all the loans to worthless tech schools, the ones who promise to get people high paying jobs (but never do), they would be rejected.

Bonny22Pye · Guru

I read an article that Texas is using US Marshals to arrest people that haven't paid them back. Not sure if its true.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

Tignanello wrote:
Isn't education free if you join the military?

It can be.

lilyofcourse · My spirit animal is a pink flamingo.

We are looking at this stuff for Jesse.

Caitlyn will have hers paid off soon. She has about 5k left and she went to cosmology school. She also had a few scholarships. Not much, covered books and tools.

Jesse is wanting to go translate. He has expressed an interest in teaching but he wants to work translating for the UN.

I think it's important to have a counselor too. Know where you want to go.

We have tons of IT people. And now it seems everyone is going for business management.

Certain fields get flooded and then jobs are hard to find.

Today, the VR rep we talked to told us that sign language is the big money maker where languages and translation is involved.

So Jesse is going to add that to his list of languages.

All that to say this.

No, college should not be free.

Student loans are expensive and need a cap, I think.

But more guidance and guidelines would help to keep fields from being flooded while others dry up.

huskerbb · Guru

Don't borrow the money if you can't pay it back.

weltschmerz · Guru

lilyofcourse wrote:
We are looking at this stuff for Jesse.

Caitlyn will have hers paid off soon. She has about 5k left and she went to cosmology school. She also had a few scholarships. Not much, covered books and tools.

Jesse is wanting to go translate. He has expressed an interest in teaching but he wants to work translating for the UN.

I think it's important to have a counselor too. Know where you want to go.

We have tons of IT people. And now it seems everyone is going for business management.

Certain fields get flooded and then jobs are hard to find.

Today, the VR rep we talked to told us that sign language is the big money maker where languages and translation is involved.

So Jesse is going to add that to his list of languages.

All that to say this.

No, college should not be free.

Student loans are expensive and need a cap, I think.

But more guidance and guidelines would help to keep fields from being flooded while others dry up.

She went to school to study the cosmos? How cool is that? Did she ever meet Neil Degrasse Tyson?

I'd love to meet him.

lilyofcourse · My spirit animal is a pink flamingo.

Cosmetology.

See. It changed AFTER I hit send.

Ohfour · Hooker

Another Welts fail...

weltschmerz · Guru

Ohfour wrote:
Another Welts fail...

What? It's a legitimate field of study. Why would I assume a girl can't study cosmology?

http://www.space.com/16042-cosmology.html

weltschmerz · Guru

Ohfour wrote:
Another Welts fail...

...and you said you don't care what I think.

Evidently, you care a great deal, or you wouln't keep commenting on my posts.

If you didn't care, you'd ignore them.

Nice try, though.

Ohfour · Hooker

I care when you insult others. Me? Meh...but you just cant help yourself can you?

flan327 · Itty bitty's Grammy

Ohfour wrote:
I care when you insult others. Me? Meh...but you just cant help yourself can you?

So I can care as well?

flan (because it's all about ME)

flan327 · Itty bitty's Grammy

DH loves Neil Degrasse Tyson.

flan

Ohfour · Hooker

flan327 wrote:
Ohfour wrote:
I care when you insult others. Me? Meh...but you just cant help yourself can you?
So I can care as well?
flan (because it's all about ME)

Nope. Just me....

weltschmerz · Guru

Ohfour wrote:
I care when you insult others. Me? Meh...but you just cant help yourself can you?

It's not "insulting others". It's called "Not being politically correct".

You know, the thing the right LOVES about Trump.

In any case, how did I insult anyone by asking about cosmology? Show me the insult.

-- Edited by weltschmerz on Tuesday 16th of February 2016 07:08:48 PM

I know what to do_sometimes · Frozen Sucks!

DS paid his way for college as I've said before, I did pay about 25%. He did it working for a company that paid 25K in tuition and he went to a state University, a good one, and one that was reasonably priced. Plus he paid some cash I I paid some. He now has 70K in the GI bill for his use. If he has kids he can transfer that to them.

Mellow Momma · Sniff...sniff, sniff. Yay! A Bum!

The military does not accept just anyone so that isn't always an option for everyone.

And colleges don't churn out entitled spoiled brats - parents do.

As for the tuition issue, we have been defunding the colleges and universities for years. State and Fed money has slowly dwindled to almost a pittance. IF the govt should get involved, I think it should only be in funding education back to the level that they used to. And you should not be able to take out more in loans than the cost of tuition plus room and board. Period. That won't solve everything but it would be a start.

flan327 · Itty bitty's Grammy

Ohfour wrote:
flan327 wrote:
Ohfour wrote:
I care when you insult others. Me? Meh...but you just cant help yourself can you?
So I can care as well?
flan (because it's all about ME)
Nope. Just me....

Well, poop!

flan

weltschmerz · Guru

flan327 wrote:
DH loves Neil Degrasse Tyson.

flan

Well, who doesn't?

Nobody Just Nobody · Rib-it! Rrrib-it!

I got a four year degree and walked across the stage not paying a penny and not owing a penny.

I know what to do_sometimes · Frozen Sucks!

Mellow Momma wrote:
The military does not accept just anyone so that isn't always an option for everyone.

And colleges don't churn out entitled spoiled brats - parents do.

As for the tuition issue, we have been defunding the colleges and universities for years. State and Fed money has slowly dwindled to almost a pittance. IF the govt should get involved, I think it should only be in funding education back to the level that they used to. And you should not be able to take out more in loans than the cost of tuition plus room and board. Period. That won't solve everything but it would be a start.

Military is not for everyone, but can be for lots of people. Going part time is a good option as well. Kids turning their noses up at those options speaks volumes to their entitled attitudes.

lilyofcourse · My spirit animal is a pink flamingo.

Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.

Those programs stopped with Bill Clinton.

Mellow Momma · Sniff...sniff, sniff. Yay! A Bum!

I know what to do_sometimes wrote:
Mellow Momma wrote:
The military does not accept just anyone so that isn't always an option for everyone.

And colleges don't churn out entitled spoiled brats - parents do.

As for the tuition issue, we have been defunding the colleges and universities for years. State and Fed money has slowly dwindled to almost a pittance. IF the govt should get involved, I think it should only be in funding education back to the level that they used to. And you should not be able to take out more in loans than the cost of tuition plus room and board. Period. That won't solve everything but it would be a start.
Military is not for everyone, but can be for lots of people. Going part time is a good option as well. Kids turning their noses up at those options speaks volumes to their entitled attitudes.

Oh I agree. And a huge part of that is the parents who raise entitled little brats. And some public schools are to blame. They don't encourage kids to take those routes because their matriculation rates are publicized and used for teacher and principal raises and to sell parents on the school/community. No one would want to send their child to a school where a majority of the kids did NOT go on to a 4 year university. And some schools flat out discourage the "smart kids" from joining the military. They steer them towards other options so their school looks like a better school. They want as many kids as possible to attend prestigious universities so the school looks like it's high achieving .

Nobody Just Nobody · Rib-it! Rrrib-it!

lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.

As others here have said you can find a way to finance your education if that is what you want to do.

ed11563 · Guru

huskerbb wrote:
Don't borrow the money if you can't pay it back.

Everyone thinks they'll be able to pay it back from the wonderful jobs they'll get, with their liberal arts degree, or their PhD in English, or their degree in Latin of Surfing or Computer Assembly or FORTRAN or COBOL programming or Astronomy or Astrology.

I know what to do_sometimes · Frozen Sucks!

ed11563 wrote:
huskerbb wrote:
Don't borrow the money if you can't pay it back.

Everyone thinks they'll be able to pay it back from the wonderful jobs they'll get, with their liberal arts degree, or their PhD in English, or their degree in Latin of Surfing or Computer Assembly or FORTRAN or COBOL programming or Astronomy or Astrology.

I know of no reputable college that teaches FORTRAN or COBOL. There were some in the late 1990's and people who took those courses had the potential of making a mint during Y2K plus in the years that followed on financial systems.

I've decided that if I can't pay for all of DD's education I will take a life insurance policy out on her so if, god forbid, something happens at least I will be able to pay off any loans I cosigned.

huskerbb · Guru

lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.

No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.

lilyofcourse · My spirit animal is a pink flamingo.

huskerbb wrote:
lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.
No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.

Before Clinton, those on government assistance could take advantage of programs that paid for school.

It was designed to get people off welfare.

But Clinton stopped that and many programs like it.

If I remember correctly, because it put too much pressure on people and made them feel bad.

huskerbb · Guru

lilyofcourse wrote:
huskerbb wrote:
lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.
No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.
Before Clinton, those on government assistance could take advantage of programs that paid for school.

It was designed to get people off welfare.
But Clinton stopped that and many programs like it.
If I remember correctly, because it put too much pressure on people and made them feel bad.

I got my tuition paid from merit based scholarships. There are many programs and scholarships out there.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

huskerbb wrote:
Don't borrow the money if you can't pay it back.

Really, Husker, that's your answer? The hope is always that they will be able to pay it back. But if 18 and 19 year old kids had the wherewithal to pay back student loans, they wouldn't need them in the first place.

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

I know what to do_sometimes wrote:
ed11563 wrote:
huskerbb wrote:
Don't borrow the money if you can't pay it back.

Everyone thinks they'll be able to pay it back from the wonderful jobs they'll get, with their liberal arts degree, or their PhD in English, or their degree in Latin of Surfing or Computer Assembly or FORTRAN or COBOL programming or Astronomy or Astrology.

I know of no reputable college that teaches FORTRAN or COBOL. There were some in the late 1990's and people who took those courses had the potential of making a mint during Y2K plus in the years that followed on financial systems.
I've decided that if I can't pay for all of DD's education I will take a life insurance policy out on her so if, god forbid, something happens at least I will be able to pay off any loans I cosigned.

My mother didn't have to co-sign any loans for me. I got a scholarship, a grant, and my own loans. Undergrad is paid off....law school, well, they amortize that like a mortgage nowadays.

huskerbb · Guru

Lawyerlady wrote:
huskerbb wrote:
Don't borrow the money if you can't pay it back.

Really, Husker, that's your answer? The hope is always that they will be able to pay it back. But if 18 and 19 year old kids had the wherewithal to pay back student loans, they wouldn't need them in the first place.

Oh cripes. When you borrow six figures to go to an expensive private school and major in philosophy or something else equally useless, then no, there is no way you are going to be able to pay that back.

Why should everyone else else have to pay for such stupidity?

Lawyerlady · On the bright side...... Christmas is coming! (Mod)

huskerbb wrote:
lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.
No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.

Yes, there are a bunch of scholarships, but even if you get some, it rarely translates to a full ride.

huskerbb · Guru

Lawyerlady wrote:
huskerbb wrote:
lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.
No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.
Yes, there are a bunch of scholarships, but even if you get some, it rarely translates to a full ride.

Not everyone can afford to go to college.

flan327 · Itty bitty's Grammy

huskerbb wrote:
lilyofcourse wrote:
huskerbb wrote:
lilyofcourse wrote:
Nobody Just Nobody wrote:
I got a four year degree and walked across the stage not paying a penny and not owing a penny.
Those programs stopped with Bill Clinton.
No they didn't. There are all kinds of scholarships out there. It has nothing to do with the federal government.
Before Clinton, those on government assistance could take advantage of programs that paid for school.

It was designed to get people off welfare.
But Clinton stopped that and many programs like it.
If I remember correctly, because it put too much pressure on people and made them feel bad.

I got my tuition paid from merit based scholarships. There are many programs and scholarships out there.

And far too many take your parents' income into consideration.

flan