Poll

Do you still owe on your school loans?

Never really had any
2 (25%)
Paid them off long ago
2 (25%)
Just paid them off recently
2 (25%)
Will be done soon
0 (0%)
Long way to go
2 (25%)

Total Members Voted: 8

Author Topic: School loans  (Read 346 times)

Jake

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Re: School loans
« Reply #15 on: November 11, 2019, 06:33:45 PM »
I am proud of the fact that I didn't have any loans and paid for college as I went because I worked full time at the same time. The only way that I could do it is because I lived at home and didn't have the housing expense.

Still owe about 88k. Hoping Warren forgives them

that kind of outlook on life pisses me off so bad - Im not sure if you're trolling or not, but holy shit, it is what it is - get over it and honor your commitments. I teach my kids that they have to strive to not rely on anyone or anything for their needs. They can't count on hand outs, help, lottery, inheritance, etc  - the only thing they could do is rely on themselves and their own abilities

Ok Boomer ;)

?

I googled it..haha....I guess it is even more appropriate that I didn't know what it was. :) the ironic thing is that I think ethic is older than I am. ;)

I am older; but I went to school 10 years later. Things changed

what do you mean? My school was not as expensive as yours was, I think I averaged about $7500 per semester - so that's $60K. this didn't include parking and other commuting fees like gas, or train pass. Oh and books - books were freakin expensive. Before amazon I would spend $500 in the bookstore easy - I think I found out about amazon around my third year.
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charlie

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Re: School loans
« Reply #16 on: November 13, 2019, 12:10:18 AM »
I am proud of the fact that I didn't have any loans and paid for college as I went because I worked full time at the same time. The only way that I could do it is because I lived at home and didn't have the housing expense.
I teach my kids that they have to strive to not rely on anyone or anything for their needs. They can't count on hand outs, help, lottery, inheritance, etc  - the only thing they could do is rely on themselves and their own abilities




The only way that I could do it is because I lived at home and didn't have the housing expense.
I teach my kids that they have to strive to not rely on anyone or anything for their needs.




I lived at home
not rely on anyone

:scratchhead:  :v:

Jake

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Re: School loans
« Reply #17 on: November 13, 2019, 12:48:57 AM »
Do not follow where the path may lead. Go instead where there is no path and leave a trail.

charlie

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Re: School loans
« Reply #18 on: November 13, 2019, 01:34:52 AM »
It's not so much confused as much as "hmmm..."

It's just a little weird that in one post you talk about being pissed off that someone is hoping for help and you talk about how you don't want your kids to rely on help and yet you also acknowledge how you were only able to do this thing you're proud of because you had help. Those sentiments may all be technically consistent with each other but they sure seem to show a small lack of awareness.

I mean, you didn't have to pay for housing. Ethic hoping his school loans are absolved could be considered him hoping he doesn't end up having to pay for housing either. It pisses you off that he wants the same thing you got just because you got it at the time and he didn't? (Yes, I know that's not actually what pisses you off, it's the idea of not honoring commitments, but my point is that from a different perspective my framing is still accurate and sometimes considering the larger situation makes you rethink rules that are hard and fast.)
(Also not actually talking about ethic here because I don't know his real situation/thoughts, so take this as a hypothetical.)

Jake

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Re: School loans
« Reply #19 on: November 13, 2019, 01:57:10 AM »
Your train of thought is wrong here, Charlie. If, I couldn't live at home, then I would either work more, take longer to graduate, or get a loan...either way, I would rely on myself to get it done.

There is a huge difference between being able to survive and thrive on your own volition than expecting or waiting for someone to give you things.

I am grateful my parents were able to help with housing. It would be silly to compare this type of help to what I am trying to teach my kids to avoid.

« Last Edit: November 13, 2019, 08:57:30 AM by Jake »
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micah

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Re: School loans
« Reply #20 on: November 13, 2019, 06:07:54 AM »
not ganging up on your or anything Jake, I just think the overall sentiment is that you're making it sound like if you just work hard you don't need loans to go to college...but some people work very very hard and still can't afford college.  You said your school was $60k a year, so you're implying that during those years you made enough to cover tuition plus all other living expense (which from the sounds of it were greatly contributed to by your parents) -- most college graduates don't earn close to 60k/year.  Your version of reality wreaks of #whiteprivilege.

The cost of college, whether 20 years ago or today, has so greatly exceeded it's actual benefit.  It should not cost more to go to college than to buy a house.  I don't think its reasonable to assume that a young person, with a fresh highschool diploma and nearly zero work experience, could possibly even imagine "working their way through college." 
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ethic

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Re: School loans
« Reply #21 on: November 13, 2019, 08:38:15 AM »
I worked while in school. I lived in a studio apt and had no furniture
I watch you...
:rad: :rad:

Jake

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Re: School loans
« Reply #22 on: November 13, 2019, 08:46:21 AM »
You said your school was $60k a year

Looks like common core failed you as well ;) so I will kindly disregard the other parts of your silly statement including the whiteprivilage part - you douche. ;)

Quote from: Jake
what do you mean? My school was not as expensive as yours was, I think I averaged about $7500 per semester - so that's $60K. this didn't include parking and other commuting fees like gas, or train pass. Oh and books - books were freakin expensive. Before amazon I would spend $500 in the bookstore easy - I think I found out about amazon around my third year.

I think that I was making between $15 and $20 per hour those years. It was enough to cover tuition expenses, a car note for my elantra, insurance and gas, and some other minor things I had to pay for like a phone.
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Jake

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Re: School loans
« Reply #23 on: November 13, 2019, 08:55:25 AM »
The cost of college, whether 20 years ago or today, has so greatly exceeded it's actual benefit.  It should not cost more to go to college than to buy a house.  I don't think its reasonable to assume that a young person, with a fresh highschool diploma and nearly zero work experience, could possibly even imagine "working their way through college." 

and that I do agree with. I think that college education should be [mostly] free, however, it should only be free to the ones that keep a certain GPA, etc. I would not mind paying slightly higher taxes so that this happens. I would mind paying higher taxes to pay for ethic's [sorry bud] past loans.
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Jake

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Re: School loans
« Reply #24 on: November 13, 2019, 09:04:15 AM »
and BTW, my wife worked through college as well - sure it was in Poland, and the reality of everything at that time was so much different from the one in the states it is hard to describe. And even though school was "free" she had many expenses associated with the school and living on her own. She worked as a copier tech and a bar tender. She didn't have to take out loans.

I don't know why you guys seem to throw it in my face that hard work can make shit happen? yes, yes, I understand - circumstances, depression, bad feelings, bad cards dealt...blah blah blah. We all have challenges - all of us - some of us decide to make them a crutch and become victims - and others work through them.   
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ober

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Re: School loans
« Reply #25 on: November 13, 2019, 09:25:01 AM »
I don't disagree that hard work can solve many things.  I just think you're taking a pretty narrow perspective on it.  I worked through college myself and even did extra shifts to make more money but it still wasn't enough to cover everything.  My parents contributed a little bit but I still walked away with about 15K in debt.  I paid for room and board and books and classes and there just wasn't enough to cover it regardless of how much I worked and I know my room and board was far less than a lot of people.  I know some places are like 10k/semester (or maybe per year?) for room and board.  Mine was more like 6k/year and I lived off campus.

Jake

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Re: School loans
« Reply #26 on: November 13, 2019, 09:28:24 AM »
@ober - and that's great. Loans are there for a reason and you got one to better yourself and then you paid it off as you agreed to. I don't have a problem with that at all. Like I said earlier, if I didn't live at home, I probably would have to take a loan out as well, but I wouldn't wait for someone else to pay for it....
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ober

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Re: School loans
« Reply #27 on: November 13, 2019, 11:30:48 AM »
Don't get me wrong - I don't agree with Ethic's stance either.  Waiting for a handout is a crap way to go.

charlie

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Re: School loans
« Reply #28 on: November 13, 2019, 12:01:40 PM »
Your train of thought is wrong here, Charlie.
I think what I'm trying to do, rather than to convince you of something, is try to get you to see a different perspective. Your posts here really seem to lack perspective.

It would be silly to compare this type of help to what I am trying to teach my kids to avoid.

Is it silly? Is it really all that different? Try to pretend that it's not actually that different.

I don't know why you guys seem to throw it in my face that hard work can make shit happen?

I think you are misunderstanding what is being said if this is your read on it. I don't think anybody here disputes that hard work can make shit happen. (In fact, I wouldn't be surprised if some people were offended by the implication that they don't believe in hard work.)

some of us decide to make them a crutch and become victims - and others work through them

I think this black and white thinking is not helpful. You make it sound like either you're working hard and overcoming obstacles or you're whining and blaming others for your problems. In reality, most everybody is working hard and overcoming obstacles, and acknowledging the roadblocks others have faced is very different from passing blame or shirking responsibility.

Jake

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Re: School loans
« Reply #29 on: November 13, 2019, 12:18:18 PM »
Quote
Is it silly? Is it really all that different? Try to pretend that it's not actually that different.

It is different, and you cannot "pretend" that it is the same, because it is not.

Quote
I think you are misunderstanding what is being said if this is your read on it. I don't think anybody here disputes that hard work can make shit happen. (In fact, I wouldn't be surprised if some people were offended by the implication that they don't believe in hard work.)

this is mainly when I challenge micah, ethic, or even steve in the past, to make the tough choices and better decisions - whether that be to stop dicking around, stop spending money on shit they don't need, get a second job, or to pay their bills.

Quote
In reality, most everybody is working hard and overcoming obstacles, and acknowledging the roadblocks others have faced is very different from passing blame or shirking responsibility.

I agree. I think most people are exactly that way. But we shouldn't treat others who don't, and do play the victim, with gloves on because for the most part that is just encouraging the same behavior.
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