/biz/ - Business & Finance

>>52433235
Because it means taking responsibility for your actions-- an axiom that has been discarded by this entire generation.

Not my problem

Amazing that in 50 short years the Democratic Party went from “Ask not what your country can do for you” to
“REEEEEE PAY MY DEBTS FOR MEEEEE”

>>52433235
I also don't understand it. No ones forcing anyone to go to college. There are many great blue collar jobs that don't require college and allow you to make more than many white collar jobs. Even as a plumber you can now work internationally. Its crazy

>>52433235
because they were lied to about the worth of that college degree.
>be 18~17 years old
>YOU NEED TO GO TO COLLEGE TO MAKE MONEY
>YOU DON'T WANT TO WORK IN THE COAL MINES
>takes out tens of thousands of dollars on a worthless degree because...
>ANY DEGREE IS A GOOD DEGREE
at some point... I don't want student loan forgiveness I was student loan bankruptcy and fuck of the jews who gave out loans to 17~18 year olds.

>>52433235
they learned nothing

>>52433235
I don't see how most Americans had to take out loans anyways. I received my student education from free, yes I'm American, by being born poor and having the US pay for it. I took out $16k in loans anyways because it was interest free so I have made a bunch of money for the government paying my interest and not touching the principle. And the icing on top is that my degree has $70k fresh out of college salaries so even if I had to pay it back from scratch, I could. Stop getting worthless degrees.

Do you know why subprime mortgages were predatory? These were subIQ loans.

>>52433269
That's why they shot him

>>52433336
I totally sympathize with the degree to which many where hoodwinked but that being said I’m not paying for their bags sorry.

Why does this trigger so many chuds?

Usury and boomers supporting it will die out

>>52433295
Because normies were sold a lie that if you go to college you can get a very well paying job afterwards. They are all too stupid to look into this lie before taking out loans and all go to college because it's just "what you're supposed to do". Then they graduate and find that they can't get a good paying job even in their field and the interest rate exceeds what they earn and will never pay it off, thus keeping them in the perpetual cycle of paying "them"

>>52433235
because zoomers and millenials were basically raised wrong on purpose and sabotaged. parents taught us nothing while at the same time prevented us from learning on our own in the real world. mandatory extra 4 years of post high school when previous generations were dropping out of grade 9. we were offered up as sacrifice for predetory loans so that boomers could keep social sexurity benefits flowing. this is coming from someone who has zero debt, something inside me told me not to take out a student loan or get a mortgage

The loans were predatory

>>52433235
>consistently make poor decisions in life
>decide to major in Indonesian basket weaving using organic sustainable farming methods
>can’t get a job
>decide to vote for democrats cuz empty promises and pillow talk
>>why does this trigger people

>>52433235
multiple generations of middle class Americans were told by every authority figure in their life that they needed to go to college or else they were a loser

>>52433485
take it easy man

>>52433235
>take out loan
>inflation renders loan money worthless
>work 1 day minimum wage to pay it off
nothing personnel

>>52433266
Imagine blowing her cock and swallowing her sweet nectar.

>>52433553
i already did back in 2013

>>52433235
People are naive to think the pumping more money into an already over bloated/over inflated education system won't have any long term consequences.Ovrlooking the fact colleges are overpriced now because of all the free tuition the gov handouts already

>>52433336
Exactly. I'm fine with letting it burn.

>>52433235
College is basically required now to maybe have a sporting chance at affording basic sustenance and a roof. It has become cripplingly expensive and rarely have the promises and expectations panned out for these millenials and the zoomers. Of all the tax taxes on top of taxes we pay, some of it maybe should be allocated to educating the next generation instead of trillions in project black holes and policing the entire planet. I say this as a person who absolutely paid off my educational stuff. Things just aren't what they used to be.

Because the same generation that sold the loans also raised their debtors telling them expect nothing from life without a college degree and that $31,000/yr for an entry level software development job in San Diego in 2006 was "generous"

>>52433596
I may or may not be jealous.

>>52433659
>College is basically required now to maybe have a sporting chance at affording basic sustenance and a roof
false. If I could do it over again. I would have been a journeyman plumber and started my own plumber biz before I turned 30 and be making +100k.

Why does this trigger so many bankers?

>>52433553
Imagine wanting to suck dick. Traps are not for that, you want to fuck her boipussy and play with her tits. Sucking dick is gayer than touching the balls

>>52433269
it's a crime in the first place that they allow 18 year olds to take on 150k worth of debt for courses that may not necessarily be of any use. hard to justify the price other than people seem to be happy to pay, when they aren't paying with their own money immediately and don't see the danger of taking on the debt
still i hate the idea of everything being wiped clean because they regret this decision. student loans should be more difficult to obtain and with fewer people getting them, colleges may put down tuition

>>52433374
>Stop getting worthless degrees.
Some of these dumb fucks don't even get their degree, they just take loans to pay for their careless student lifestyle, partying and yoloing for years until they realize they have to pay that money back, dumb fucks, it's so fucking funny how the banks enslaved an entire generation, DUMB FUCKING MURICANOS

>>52433734
Boipussy is gay to, just come out of the closet already.

Ban usury
Ban circumcision

Okay

Why should I pay social security for boomers if I won't be able to get that back in the future? Why should I pay for the national debt of the previous generations?

After all, boomers would like that financial responsibility, right?

>>52433235
skill issue

>>52433772
I agree with you but it comes back to the fundamental problem of anything merit based in our current year.

Merit based student loans wouldn’t be given evenly across racial lines… white and Asians would overwhelmingly meet the grande and blacks and other brown races wouldn’t. Ergo “systemic racism”. Until the idea that every race is totally equal is done away with any merit based anything will crumble under “muh racism”

>>52433235
Easy fix, just make all these loans dischargeable via bankruptcy. Easy money dries up, no one can afford to go to school at current prices, so either schools lower prices and cut spend, or go out of business.

>>52433439
I don't want to pay for their bags. I want college fags to be denied a home loan for 10-plus years as they rebuild their credit from scratch.
I want bank to go under and not be bailed out along with the schools.
This guy gets it>>52433945

>>52433235
>You loaned money to people who are not financially responsible and do not hold themselves accountable for their decisions.
>You passed laws to encourage this type of behavior, no drinking until 21, no recourse for having unprotected sex. no accountability for women getting drunk, having sex then regret and police the next day
>Fuck up the morality and spirit of the people since before they were born
>Expect them to have responsible values
>You gave these same people loans and now look to the rest of us when they do not pay you back
>What are you going to do about it?

>>52433945
I heard the reason they got rid of that is because people were getting really expensive graduate degrees, declaring bankruptcy, and then riding off into the sunset with a huge salary.

Way too much extraneous shit in college these days. I remember mine demolished all their slightly dated but perfectly functional buildings and rebuilt them during the time I was there. It looked nice afterwards but have to realize that every dollar spent was taken away from the future lives of the students. Also, many students really don't belong at college and were misled that it is a golden ticket to a better life. It's really only for driven and focused people with a clear idea of the career that they want and even then there are many unnecessary classes and the fancy buildings creating massive expense.

also
>you can't consent to sex until you are 26 because your brain is still developing
>you can consent to getting fucked in the ass by jewish bankers and complex financial schemes the day you turn 18

>>52433336
Not my fault your parents are retards

>>52433945
This. End the moral hazard that causes it. But we live in a land of retards so our choices are 1- continue as if nothing is wrong with giving $100k loans to 18 year olds as plenty of bright young people avoid college to save money. Or 2- "forgive" debt or even make government pay for all college at current obscene prices. Effectively bail out academia. It's similar to the healthcare issue. Any of the "solutions" being seriously discussed by those in power will likely just make things worse. You can always expect to pay more for less.

>>52434030
Yeah, unfortunate. That's the risk of loans with shit for collateral though. Fundamentally breaking bankruptcy for a specific class of loans is stupid and we see exactly what happened with the increase in cost of school.

>>52433235
>ah i'm sorry, i'm just not paying it back!

>>52433336
it's hard to have any sympathy for people who couldn't take 15 minutes to google average salaries for the degree they wanted to get into and just took their parents/counselor's word for it

if verifying new information isn't one of your core instincts, then you deserve to get hoodwinked.

>>52433235
>Go Bankrupt
>Discharge debt
So this is an option then, right? Right?

>>52434304
due to the US' arcane legal system, you can't discharge student loans in bankruptcy

>>52433809
That would be dishonorabu
Newhalf are just toys, it's no different to masturbation.

Traps don't count.

>>52434343
Fun fact: Biden himself helped to ensure that in 1976 when Congress amended the Higher Education Act.

>>52433235
Because everyone was fucking lied to. From elementary school, our generation was told over and over and over again
>you need a degree to get a good job
>if you don't have a degree you will be poor
>if you're poor your life will suck
>if you have a degree paying off your loans will be easy
>if you don't have a degree you're going to be slaving away at some dead end job until you die
Literally all of elementary and high school are framed in the context of prepping you for post-secondary. Teachers only even criticize you for doing poorly behind the context of you getting into a good school. All of it was just propaganda to turn a huge portion of our generation into debt slaves, all of it. It might be reasonable to expect that an adult doesn't fall for such a trap, but it's totally ridiculous to expect that people who were literally brainwashed for 12 years would somehow see through the trap at a mere 18 years of age (2/3rds of their life that point dedicated entirely to brainwashing).

The dirtiest part about the student loan Jew is that they promise you economic mobility and you get the exact opposite. The whole system is unbelievably criminal.

>>52433235
>you got loansharked
>pay it back or i'll ruin your life
nah, fuck those subhuman loaners

>>52433235
>lender defaults
>gets bailed out
why is this moral hazard acceptable?

>>52434343
Hmm, so you're saying student loans are handed to people who are 18 years old and in the fine print they take away certain central mechanisms of loans that usually protect vulnerable people? HMMMMMM

>>52434578
100% true story
>Be in 4th grade
>Write about a job you want when you grow up
>write about being a tow truck driver
>get call home for being nearsighted in my future
>just so happens my uncle is very well off from starting a tow truck biz

>hate anyone younger/older then you goy don't ask for bank's and business's to pay back what they owe you.
Divide and conquer ain't gonna work jew I make sure my relatives young and old only get fixed loan's or loan money directly at NO INTREST.
T. Zoomie that grew up with based boomers

https://archive.org/details/GeneSimmonsThatIsWhatGentilesAreForYouTube

>>52434759
Because the banks effectively threatened to destroy the economy if they didn't get rescued. The government wrote them a put and they didn't pay anything for it. Take this student loan shit, 2008 could've been a real negotiation. If the state is going to provide a put to the financial sector to hedge their losses in a blow up, they need to pay a premium for it. In every private transaction, that hedge costs something. They got it virtually for free.

I just want to point out that almost all (well over 90%) of the student loans in the US are given out by the federal government, not banks. So it is the feds who are on the hook for getting young adults to sign silly amounts of loans.

And of course, there is the whole issue of how the universities have benefited from all the federal money pouring into them; WTF have they been spending it all on? Its not like colleges are massively better than they were say 30 years ago, yet they spend a ton more per student.

>>52433235
Because the loan you took is basically a scam. Student loans in america are 100% criminal enterprises and there4 not valid.

>>52433235
because democrats are just niggers

>>52434578
this

>>52433235
The same reason it triggers you that students are having their debt forgiven.

>>52434578
And even with a good degree many still don't get a job. There was some big stat about how most people don't even end up working in their field of study. All my friends from college are working in random shit, and some of them still don't even have real jobs yet (they are stuck waging as waiters while they apply) despite it being almost 3 years since graduation. This whole thing is dumb luck, I got lucky enough to have a full-ride and get a job in my field via nepotism.

>>52435658
Top it off with the fact that even STEM fags aren't guaranteed good jobs and it really is a fucking criminal system. On some level, I can understand people bitching about student loan forgiveness wrt women's gender studies degrees and shit like that, but the truth of it is that even STEM fields are extremely hard to find jobs in because most companies can just import 100 immigrants for the price of one white and nerdy wiz kid.

The whole student loan racket would be about 1000 times more acceptable in my mine, if the government was actually doing something to ensure that native born citizens could actually get jobs when they were done. As it is, you walk out of Uni with a shitload of debt, and you're competing with Durgasoft certified Jeets who are willing to live in a closet and eat ze bugs just to get paid half of what they deserve. Student loans should only exist based on the precondition that the government, and banks, are actively going out of their way to ensure a healthy job market for graduates.

The fact that both entities consistently undermine the value of labor with immigrants is the real fucking kicker here.

>>52434264
You're implying that naive, inexperienced 18 year olds have the same capacity for critical thinking as a 25+ year old (like you probably are). This is literally the same out of touch logic boomers utilize. You're either a legitimate retard or a young autist and pic related.

>>52436044
>You're implying that naive, inexperienced 18 year olds have the same capacity for critical thinking as a 25+ year old
Funny thing is: the place where people can learn critical thinking is the very place that you have to pay ridiculous amounts of money to get access too.

>>52436044
me and most of the kids i knew growing up had this "capacity" for critical thinking when we were in middle school. there was no google back then, but trying to find info yourself at the library or at least corroborating something by asking multiple people was just common sense. i don't understand why you need to be told to use your brain in order for you to actually use it.

maybe it's just you zoomers who are retarded

>>52436079
>learn critical thinking
Lmao what a meme

>>52433336
This was my experience down to a T. For the extra cherry on top, my Mom told me that her and my dad would pay for it when I almost decided to drop out and just get a trade job or work in the oil field. Then after I graduated and my grace period was over she was like "I dont remember saying that" and I lived with them two years paying it all back.

The whole thing left me pretty sick of the establishment and system. Now I'm trying to take my own company large-scale and full-time, but this degree has barely done fuck-all besides get me into shitty entry-level jobs. People should still have to pay it back though, life isn't fair for nearly everybody in some shape or another

>>52436118
What if you’re not just interested in STEM? My brother wasn’t and he got stuck with a mostly useless degree. The real villains are universities that offer expensive fields with overly saturated job prospects and the whole system telling you to just pursue what you are interested in.

>>52436118
It's just a generic phrase meant to describe advanced levels of logic. And at least for the United States, it is true that logic is poorly taught in the stages prior to college. Poorly taught in general, but especially so before college.

>>52433374
Not everyone is born poor enough to get handouts. My whole hometown was in the elo hell of having parents that tried hard enough to disqualify us from govt help but weren’t successful enough to pay for our degrees. College still worked out for me because I got an engineering degree and was willing to job hop each year for higher pay. College was a huge waste for most of the kids from my town though. I just wish there was a mandatory job shadowing prior to entering college so kids could meet the people in the respective fields and figure out what kind of money was waiting on the other side of that degree

>>52436123
t. never learned to think critically

>>52436507
If you have to learn to think critically then you’re retarded fat boy.

>>52436266
>What if you’re not just interested in STEM?
then you should not go to college unless you can go for very cheap, or if you have a guaranteed job lined up after you graduate. there are many routes you can go but taking on tons of debt for something that won't help you make money isn't the answer.

i know what you mean about pursuing your interests, the college experience FOMO marketing that's aimed at kids is genuinely evil but there's also a responsibility to at least think about how you'll pay off any debt you get into.

>>52436281
>>52436607
yeah i don't understand why critical thinking needs to be taught, but there was significantly less technology when i grew up compared to what kids today have available. maybe it has to do with kids growing up passively consuming media instead of interacting with the world around them, so they never have the chance to organically develop basic skills.

at the end of the day it's really the fault of the parents' who put their kids in front of youtube for 12 hours a day and pat themselves on the back for a job well done.

>>52436607
This is exactly what people who did not learn to think critically tell themselves.
>Education? lmao even. I naturally knew that the earth was flat, astrology is rooted in scientific fact and bill gates put a micro chip in the jab. No classes needed for that, retard!

>>52436747
>yeah i don't understand why critical thinking needs to be taught
Concepts like set theory, law of thought, and deduction should be taught at a young age because it would improve the quality of conversations. It teaches kids the tools needed to dismantle disagreements and better understand people's opinions while also supporting their own. Plus it makes kids better at advanced math when they get older.

>>52433235
>Trick children in to thinking if they don't get a degree they will be poor forever
>Get mad when they grow up and learn they were tricked
lmao I am never paying back one red cent and I ran my money through the XMR pipeline so you can never touch it. hahahahahahaha FUCK JEWS!!!!!

>>52436044
Sounds like maybe these retards shouldn't be voting until they're at least the age of 25 too

>>52433235
>what is interest and how does it grant power to a select few

>>52437369
based

>>52433235
I support bankruptcy for student loans..

disclaimer -> I don't have student loans

>>52433235
Student loans should not exist. The only people that benefit from private universities are the scum running them. Even from a strictly selfish standpoint makes more sense for it to be provided by the government to anyone smart enough to get further education because it creates more valuable workers for the country (which results in more value flowing into the country).

The existence of private universities is proof that the goal is not to maximize the countries wellbeing or to create an efficient society, but to allow those in power to extort young people who are too clueless to see they are selling their life to debt slavery.

I have never met anyone who didn't intend to pay their student loans back. Just let them discharge through bankruptcy. You aren't winning anything in bankruptcy.

>>52436747
Are you seriosuly expecting 18 year olds to check out job markets, demand for certain jobs, what specific jobs their fields can offer them ect. if they are just interested in history or music? All the whilethe whole system is edging them to take huge debts? Cmon, even most of the future smart, well adjusted people don’t do that at 18.

>>52433235
Because the money they lend out is literally free to them, while they charge a gorrilion percent interest. They couldn't care less if you pay back your loans, what they want are slaves.

we need a new chapter of the bankruptcy code.. Chapter S, for student.. much like Ch. 13, it's not really a complete discharge but more like a payment plan.. unemployed could get a stay of interest and fees.. underemployed could get the same or similar.. we could disallow seizure of real property and inheritances.. stuff like that.. the system we have now is worse than medieval serfdom

It would make perfect sense but then realize that the jews own everything, including all of the jobs and the education programs. The jews design the system so you literally have to go to their "schools" and waste not only years of your life learning useless garbage you will never use, but spend an outrageous amount of money for that "privilege". At this point prices are so outrageous that most non-jews have to take out a loan if they want even a small chance to be anything more than cattle. If that wasn't bad enough, the jews charge you 7-8% interest on your newly minted $250k+ loan that starts charging interest on the spot, but they're nice guys so you don't have to start payments until you actually graduate goy school. Which is already 4 fucking years of interest that's accumulated before you can even attempt to start making payments. 7-8% interest. Twice the interest rate they pay on their billions of dollars worth of real estate they snatched up to make housing unaffordable and to enslave the entire middle class within 2 years. Of course they saturate the job market so now to be "competitive" for the honor of being their wageslaves, you have to get even more good goy training. And of course they own all the public schools as well, so they instruct every slave teacher to tell every little 5 years old they have to go to college, follow their dreams of becoming women's studies major, so they can become a "productive" member of society. And of course that speech everyone hears before they even step into a college that "everyone switches their major four or five times before they figure out what they want to do goy. it's completely normal. just start and don't forget to sign your life away"

tl;dr fuck jews. I would say the only way to win is to not play, but that's not winning either. They maximum amount of winning is done by niggers who have 20 kids and live off welfare

>>52433715
Is that reditt??? OH MY GOD!!!! I LOVE REDITT SO MUCH

#BLM
#LGBTI
#FUCKTRUMP
#TRANSRIGHTS ARE HUMANRIGHTS

>>52433467
>They are all too stupid to look into this lie
It's kind of hard when the lie begins from first grade. I remember I was in middle school and the teacher was in class asking everyone about what career they wanted. This one black kid asked her if there was going to be a lot of jobs in heating and cooling. Literally the entire class chuckled at him and the teacher basically mocked him. I bet he's living a pretty comfy life right now compared to the rest of them

>>52433295
I only took out loans because the money printing was going brrrr, Biden said he'd cancel debts, and I was able to use the money to start a business. no ragrats but obviously i hope they get wiped and i personally think they will still

>>52437105
>Concepts like set theory, law of thought, and deduction should be taught at a young age because it would improve the quality of conversations
Anytime I don't understand something or want to understand something better I just follow the five whys

>>52433374
same but i took out 18k

>>52433235
Because its true

MY PARENTS TOLD ME AT 18 YEARS OLD THAT IF I WAS UNABLE TO PAY BACK MY LOAN THEN THEY WOULD HELP ME SO I TOOK THEIR WORD AND DIDN'T THINK TWICE ABOUT HAVING LITERALLY $100K IN DEBT BECAUSE I BELIEVED MY PARENTS WOULD HELP ME

WELL IT TURNS OUT THAT NEVER HAPPENED. THEY LIED TO ME FOR TWO YEARS ABOUT PAYING THE LOAN, THEY ONLY PAID THE INTEREST AND SINCE THEN IT'S DEFAULTED AND I ACTUALLY OWE $10K MORE THAN WHEN I FIRST TOOK IT OUT

MY PARENTS, PEERS AND EDUCATORS ALL LIED TO ME SO I COULD RACK UP DEBT. THERE IS NO OTHER WAY TO FIX THIS BUT TO REMOVE IT FROM ME AND EVERYONE ELSE WHO TOOK ON THE DEBT. FUCK YOU AND YOUR FUNNY MONEY, STOP MAKING USURY INTO A BIPARTISAN ISSUE.

>>52433235

Only one debt in America cannot be discharged in bankruptcy

> student loans

That's really all there is to it. If you don't understand what the problem there is, then you might as well endorse bringing back slavery.

>nobody forced you to open a business

>>52433235
REPAY MY LOAN?! NOOOOOOOOOOOO

I want to take out more because that is how I buy crypto with the surplus because I live in a low income apartment on food stamps...I have never worked a full time job and will not since crypto mooned.

Give me a white virgin qt and authority over our children, then I will reconsider.

>>52433235
It's hard to convince people of this when it feels like it only applies to them, and everyone else is having all kinds of different debt forgiven.

>>52433235
Student debt is now higher than auto loans. These tards are getting out of school owing someone a bmw.

>>52433235

>government can get in the role of banking sector in providing student loans
>government could also provide free basic four year tuition. new mexico has already done so

why does this trigger so many people?

>>52433235
/biz is literal commies who blame everything on tEh Jo0z without taking accountability for their own actions

>>52440056
What notable figure came out of New Mexico's education system?

>>52433235
It has nothing to do with Boomer-esque notions of responsibility. It has to do with debt serfdom and the Dollar being blown out if student loan forgiveness is ever a thing. Just letting people discharge it in bankruptcy would push consumer inflation close to 20%

>>52440248
Okay SBF

>>52433235
Wanna know why? Because this generation is split between the ones that want to retire easily with 0 work and wish to live on a drug filled dream vs the ones that are actually working, actually paying their loans, actually learning and actually investing. I mean just look at the difference between the FTX devs and the HOLO devs, it's day and night, and it's all coming together for those who actually worked

>>52433235
thats nice but ill never pay it back

>>52440248
WHOO COULD THIS BE?

>>52433467
>>52433235
Keep in mind this scam is sold to 17 and 18-year-olds, by boomer/gen x parents who could actually afford tuition with a minimum wage job. They don't understand the reality of universities now.

Millennials are actually in need of bailing out because they don't have the economy to pay for their degrees.

>>52440717
>their degrees
regardless of how useless they are, which their parents could get by with.

>>52440509

1) It just was implemented. We would have to wait and see.

2) NM is probably hispanic so there's no white people or jews available that could achieve your supposed notoriety.

3) If college is going to saddle everyone up with debt then all the intelligent people like me are going to pursue capitalistic endeavors instead. Why would I sack up 50,000+ in debt to write a shitty pirated book on evolutionary biology like Dawkins when i could be a pill pumping doctor or software engineer?

>>52433734
No homo if you don't touch "her" balls right?

>>52436123
>>52436607
This is the ridiculous cope of morons who have never attended a proper university course. I'm so fucking tired of these retards who think they know more than you because they have "street smarts" or some other hypercope. Nigger, you don't know shit. The picture you have of a typical university graduate being some blue haired femdyke is so far from what most grads are, but you like to believe the retarded /pol/ narrative because it makes you feel better about not having an education.
>>52436747
>yeah i don't understand why critical thinking needs to be taught
Jeeze, maybe you could apply some critical thinking to figure that out. Or are you to stupid to understand how easily people are blindly biased by all sorts of BS? Common sense is good, except for when it isn't. What might seem obvious to you can easily be massively misguided, and I'm not talking about any wishy washy bullshit like sociology or anthropology or anything. People have been massively lead astray by following their most basic "critical thinking". Tons of things in math and science are extremely counterintuitive, and only through studying failures in our own rationale can we actually learn to become better thinkers. If you don't understand this you are literally a brainlet.

>>52440749
Boomers in general didn't need to go to college to get well paying jobs and succeed in life. Universities also didn't have useless majors like nigerian hat weaving studies

>>52438906
And yet the government forced everyone to shut down said business because of the Chinese Sniffles.

public education has been an abject failure and must be abolished

>>52440717
No they have shit parents. Stupid parents who don't do a modicum of research to help out their kids or the kids don't do their own research. And if the high schools actually spent time teaching students finance instead of butt sex maybe they would understand that loans need to be paid back.

>>52436044
I knew college was a scam at 14 fuck off

>>52440981
You're proof of the work rightists have done to dismantle education. If we have any hope of a future we need to keep power hungry, corrupt rightists out of positions of power.

>>52440993
This is 80% of parents, especially boomers, who didn't really give a fuck about their kids beyond the standards of their youth (get good grades faggot).

>>52435537

And that's despite the internet being a thing now. If anything things should be getting more cost effective, not less.

>>52435537
Administrative bloat. Look it up. Administration offices of universities has risen wildly. Scam city.

I don't get why you get triggered when I tell you you're gonna be tied up in my shed, and only get out to mow the lawn.
It's not like I gaf what you think, you have limbs, they work, shouldn't have let yourself get near me.

because your degree is about as valuable as toilet paper in most cases.

>>52433494
This. Come on you republican faggots, you're better than this. Fuck kikes.

>>52433336
Higher education is a massive grift like holy shit the sheer audacity with which these ivory tower academics are bleeding people dry fucking radicalized me. I paid much more for a degree that was worth much less than the one my parents got just by being born one generation after them.

>>52441387
Is this a true story, Ivan?

>>52433494
This. Knowingly selling bullshit at high prices.
Would be nice to just pay some guy $200 a month for drawing classes and stop paying/going when I want....but then he doesn't have the authority to give a piece of paper saying I'm a good artist now? Unless..? This instructor must be employed by someone else first? Who has the authority to give me a piece of paper that says I can draw realistic ass? So I can get job drawing asses for $20 a pop on patreon for the rest of my days??
Fucking liars. I work IT now and paid zero dollars to get moved up and up to this comfy gig- but I want to fucking draw...wtf is wrong with this shit? I thought they made algorithms to help ease human burdens, fuuuuck

>>52437517
This is the main sticking point. It SHOULD be dischargable through bankruptcy, it's insane that it's not. If somebody has been pushed to that point then clearly the system has failed and the creditors should take the L for wasting money on a bad investment. If I invest in a company that goes bankrupt I'm expected to eat the loss myself, why should it be any different when the government makes a stupid gamble trade on an arts major?

The government should be punished by a financial hit when they make stupid investments.

>>52441407
>enroll in a large state school
>first two years are all mandatory gen-ed classes
>get packed into massive lecture halls
>hundreds of students per professor
>school accepts anyone who applies and takes their money
>literally half of the students fail out in the first two years because they probably shouldn't have gone to college in the first place
>no refunds
It's honestly disgusting. I majored in accounting so I'm lucky in that I have a degree that lots of employers want, but holy shit the whole experience made me so jaded about higher education. It's a bigger fucking scam than the lottery. I view my degree as nothing more than a bribe I paid to the school in exchange for a rubber stamp from them asserting I'm capable of committing to something for four years.

Who even gives a fuck anymore.
It’s blatantly obvious that the west is just a corpse and the vultures are picking the bones clean.
Why not print up another trillion fugazis and hand them out to a bunch of faggots that majored in transexual dance therapy or whatever.

Sorry to be so cynical, my point is simply that we are so deep into the phase of decline where people just wantonly loot the treasury in broad daylight.
The entire financial house of cards is about 9 minutes from toppling over anyhow, I’m not going to stress about these jag-offs using the printing press to fund their degenerate habits.

Btw, I’m old and pay taxes and paid off my student loans years ago, so this is not me being self-interested. It’s just me having run out of fucks to give. Fuck it, take the last flesh off the bones, what difference does it make.

>>52441991
Based.

>>52441981
It doesn't even matter anymore. The government is the biggest debtor to the tune of trillions. Out of their own self interest they will hyperinflate the USD to nothing to erase their own debt, and all student loan will go with it. Student loan forgiveness is a misplaced priority; inflation is what will forgive those loans.

>>52440832
>We would have to wait and see.
Wait and see for what? NM is a shithole.

>>52433553
That's a guy

>>52441991
>>52442109
ask mommy and daddy to bail you out.
they are the ones who let you sign that piece of paper.
they are the ones who raised an idiot.
not the public.

>>52435537
>Its not like colleges are massively better than they were say 30 years ago,

On the contrary, they're dramatically worse, (grade inflation.)

>>52436118
They're taught to be retarded now. That's the thing.

>>52442469
The public thought giving hundreds of thousands to zoomers to do drugs and party while getting a worthless arts major was a sane investment decision. The public needs to be ruthlessly punished for their fucking retarded gambling. I don't get refunds when I throw money into a shitcoin and it goes to zero, why should the public?

>>52442469
>ruin the economy for future generations, all for a little creature comfort
>import 3rd worlders because your too lazy
>completely gut public education
This is your own doing.

>>52441991
They used to actually take the L and deny their loan money to people do had little understanding of how to pay it back. Instead of saving, those people cried to the government to make college "affordable" and the solution is the mess we have now.

The logical solution is to let the system default. But then all the people who even make images like this would vote against that in a hearbeat.

>>52437516
>t. commie

>>52433235
communist /pol/neets that have invaded this board in the recent years don't like taking responsibility for their actions

>>52434067
They can't deny you the loan you fucking brainlet

>>52442587
Shit, i can do that for free at a professional level already

>>52433235
>pay it back
What if I just didn't? Simple as.

>>52433235
Predatory loans are still wrong

>>52434578
You mean you god darn zoomennials didnt come out of the womb with the foresight to automatically distrust every figure of authority in your life and society as a whole? Too bad so sad $50000 trillion now, my social security is running low and I'm sure a shit not paying for it lole

>>52433454
THAT'S MORE THAN THE AMOUNT WE GAVE TO ISRAEL NOOOOOOOOOOO