/lit/ - Literature

>>13054101
...


...


YOU ARE A FUCKING GENIUS
PEOPLE THIS GUY HAS FIGURED OUT HOW TO DESTROY THE FUCKING SYSTEM GUYS!

>>13054101
>Debtors' prisons are illegal
You know judges issue bench warrants for unpaid parking tickets and many cities have anti-vagrancy laws, right? The punishment would be that you would never be able to do anything that requires credit and would be condemned to homeless shelters and soup kitchens.

They use your psychological profile generated by your internet history to simulate an AI version of you working enough to pay it off

>>You know judges issue bench warrants for unpaid parking tickets
Unless I'm misunderstanding, a bench warrant just requires you to show up in court. If my hypothetical asshole does that what is the next step to somehow get them to pay their debt?

>>many cities have anti-vagrancy laws
My hypothetical asshole has planned for this. He either isn't in one of those cities or somehow bums off of a person who has no legal connection to them. Or he just lives in a fucking homeless shelter.

You go into default and cannot go back to graduate school. Your credit goes to hell. They will garnish wages and confiscate any tax returns. They will even collect SSI payments.
Only way out is a disability discharge.

You're better off going to grad school in perpetuity. Just keeps pushing payment back.

>>13054261
To compel you to show up for court, they arrest you. But why would you want to be a homeless person? The state treats you as subhuman.

>>13054273
To show you who is in charge.

>>13054272
>>13054273

This is a hypothetical scenario. I'm asking what is built into the legal system to account for this hypothetical fringe case.

If someone gets to this point >>13054272 but never gets employed again, what does the law do?

>>13054101
I've wondered the same, except for credit card debt as well. Most of my cards are at less than a grand each, I have a personal loan (most scary), and student loans. I don't really care about any of it, and am planning on being homeless anyhow. What will they do if I still technically live at my mom's but am "hiking" around the country with no communications? Do they just put a warrant out for my arrest and whenever the state lackeys eventually pick me up, send me back home for court? I'm genuinely curious because it's likely to become reality sooner than later

>>13054286
>If someone gets to this point but never gets employed again, what does the law do?
Nothing. They won't care if you're starving.
Best way out would be joining the Navy ($65000 toward debt) or signing up for disability and applying for the discharge. The inability to become employed is a cruel standard of proof for that sadly.

Only other option is to become a priest. They won't forgive it or pay it off but they'll at least put a roof over your head from seminary to the grave.

>>13054289
>I don't really care about any of it, and am planning on being homeless anyhow.
Why

>>13054309
Because working makes me genuinely suicidal and I don't want to keep draining my mom

>>13054313
I guarantee you that homelessness is worse. Think ahead to when you're 40, 50, 60 years old. At a certain point homelessness becomes completely unlivable. Don't be an idiot, friend. If you're not working currently, volunteer at a shelter or something for a month and you'll understand why you don't really want to live that way. Even just living cheaply in a rundown camper off of odd jobs and SSI is preferable, and is totally doable if you aren't a reckless methhead.

>>13054101

Nothing really happens. Black people do it all the time because they have the financial literacy of a kindergartener. Lenders just stop giving them money and their formal capacity to ever earn an income in a legitimate way is forever ruined. You can probably sell drugs or find under the table jobs or some shit

>>13054313
Apply for disability you idiot. Homelessness will cause you to lose all credibility.

>>13054338
Volunteering is costly unless you live where public transport is common. Also require calories so you need to eat more to volunteer. Also there is the opportunity cost of forgoing hours you could have used to make money, assuming you could find a job in the first place.

Jokes on you OP
They made a law where Student Loans literally can't be defaulted.
They stick with you even after you declare bankruptcy.

>>13054364
Learn2Read

>>13054370
Gee, then OP gets to be a fucking homeless faggot, and if he ever tries to re-integrate into society the student loan debt will be there to fuck his ass.
WHAT EVEN IS THE FUCKING POINT of going to university, getting a degree when you can't even use it?
There is no escape from it.

>>13054364
He didn't deny that, brainlet.
Your loan status goes into default and it has consequences. He was asking about those consequences. No where did he indicate bankruptcy discharge as a possibility, so really the jokes on you for lacking intelligence. You mean well and what you said is true and might give some euros some perspective but it clearly isn't what OP was inquiring about.

Your way out of paying is the consequence for most. Becoming homeless and destitute is what happens when you don't pay. Also your credit is destroyed effectively making it seemingly impossible to rise out of poverty if you ever wanted too.

>>13054338
I need more to my life than sitting around rotting. College is empty, work is soul eating. I already made plans to off myself at 50 (or sooner). I understand it will probably be terrible, but I'm already unhappy. And I'll never know until I try
>>13054351
>credibility
What good is that when I hate the people who are evaluating me? Regardless, I'm not disabled enough to disability, and that would require a year plus with no guarantee of actually getting anything.
This wasn't supposed to turn into a life coaching thread. I asked a simple question

>>13054384
>He was asking about those consequences
I did answer that
Its the same as any other loan, just a million times worse.
If you don't know what happens when you go into massive debt and can't pay it back, you probably shouldn't be allowed to handle money.

>>13054376
To go to graduate school and earn a 6 figure income which gives you enough operating income to live well. The mountain of debt means nothing making that much and doing the bare minimum payment. Make sure you go back before you go into default or you're really screwrd.

https://www.youtube.com/watch?v=oD2gXY4piF4

>>13054166
This.

>>13054166
They're not going to get much, considering I already don't work, and I can only imagine how inefficient my online profile would be. Between shitposting (ironic and not) on /pol/, /r9k/, and /adv/, it would be a very interesting worker

>>13054401
>if you have a setback and fall and break your leg, you should just be put out of your misery

>>13054449
I unironically agree. If you come from a circumstance that is not conductive to caring for the injured (i.e. a caring family), the genes for such circumstances are within you and should perish. Furthermore, if you can't devise a way to fix your leg on your own, you deserve to die. If you are injured and suffering, it's only just to put you out of your misery

Step 1. Don’t be American
failing step 1, don’t get student debt

>>13054362
The man is already living with his mother and eschewing getting a job. He can afford it, and it would be educational to him, and having responsibilities would probably help him gain motivation and momentum into actual work. But this part of your post especially stood out to me:
>Also require calories so you need to eat more to volunteer.
Jesus. This kind of attitude can't be healthy for anyone. Choosing to not eat specifically to save money is exactly how you go about not being successful; it'd be a ghost-like withering away, a slowly deepening pit of physical and emotional frailty, a dismissal of all possibility of improving oneself and becoming stronger and accumulating success. You're just as bad as the other guy.
>>13054398
>I need more to my life than sitting around rotting. College is empty, work is soul eating.
You're depressed, probably, and homelessness would only make things more difficult. You are not being rational, and you know it: what you are saying is akin to the late-stage alcoholic who drinks simply because he drinks with full knowledge that it is bad for him. You are partly depressed due to your circumstances, but also partly out of force of habit, and also partly because you have decided to be. If you continue making that decision, and recklessly self-sabotage such that The Good is perpetually even further out of reach, you will never be able to support yourself, or your mother, or anyone else. You are in college, so you are young, so you have your entire life in front of you, so don't be stupid.
>>13054476
Retarded post.

>>13054101
You can't get blood from a turnip.

>>13054526
>depressed
Not quite. I have been in the past and know what an episode feels like. I'm not there right now.
>not rational
I disagree. There is no end worth the effort and thus no need for rational deliberation. Homelessness is the least egregious thing I can up with, short of winning the lottery, but I'm not dumb enough to think that will work.
There is no such thing as "self-sabotage" since I'm pretty detached from the material and my ego at this point. The only thing wrecking me currently is that I exist with so many unnecessary constraints.
>support mom
She already knows I'm incapable of operating in such a way. She's had several kids since me, all much better equipped to provide for her

>>13054571
>Not quite. I have been in the past and know what an episode feels like. I'm not there right now.
There are gradations of depression. Just because you're not compulsively slamming your head against the wall doesn't mean you're surely not dysthymic or something similar.
>There is no such thing as "self-sabotage" since I'm pretty detached from the material and my ego at this point.
If you were truly detached, and truly assented to living, you would be able to chop wood and carry water and so on. What you are articulating is Buddhism at its sourest, its stalest, its moldiest, its most rotten; what you are articulating has nothing to do with wisdom and everything to do with the ego justifying its prejudgements. Again, I recommend volunteering. You do not know what homelessness is except abstractly, and an abstract understanding of a thing is as tepidly unreal as a distant mirage.
>I'm incapable of operating
This is a decision, not a fact.
>>13054533
>You can't get blood from a turnip.
Based succinct-poster.

>>13054645
Ah, you seem to misunderstand. It's not that I refuse to do basic chores, or think that I can't. In fact, that's the life I want.
In any case, I agree that some Buddhist thought is life-denying, which is the opposite of what I seek. I have no interest in escaping suffering, whining, or any of that. The cynic lifestyle has appealed to me, and I'm surprised you didn't bring that up. Anywho, life is an opportunity to experience and learn. I understand that homelessness is grounded upon for a reason, but I need to truly understand *why* people put up with wageslavery.
Furthermore, my ultimate desire is to destroy industrial society, but am taking that slow obviously

>>13054760
*frowned upon
Sorry, I'm phoneposting

>>13054760
>I have no interest in escaping suffering, whining, or any of that.
>I already made plans to off myself at 50 (or sooner).

>>13054875
Only because I doubt I'll be fully locomotive or mentally present. If I have symptoms of dementia, I have to hope my older self pulls the trigger. If im mostly there I'm fine living until whenever. I just assume by 50 I'll be spent and incapable of doing anything

>>13054881
>I just assume by 50 I'll be spent and incapable of doing anything
Why

>>13054890
Because of aging and constant environmental stresses? I don't know. Whatever causes most people to develop chronic, crippling conditions in life

>>13054900
If you live smart and have a little luck you can still be cogent and active at 80.

>>13054961
That's fine, but if I'm homeless I doubt that'll be the case. I'll be carrying a gun just in case

>take out a loan to fund politicians that preach forgiveness

genius

>>13054983
There we go
Or, take out loan to train and arm a small group of pissed off zoomers and start burning down banks

>>13054166
Isn't this a black mirror episode? I hope this doesn't happens in meatspace.

pocohontas wants to wipe student debt. this may actually get a bailout. either way someone working at starbucks for 12/hour with 1500/month rent is not going to pay off 75k in debt. they need to either raise wages or lower living expenses.

also, there's plenty of ways to dodge the debt. get ibr and always toss them minimums like one dollar, get off the books income, move out of this retarded shithole country and never return, etc. Thing is when jobs requiring a degree want to pay 17/hour for a BS and 2 years experience, and living expenses are 1200 a month for a shitbox apartment in hobo alley, you can't pay debt like that off. something has to give. the math does not add up. we have debt-laden americans competing with guys who got free degrees from their home nations. it's a shitty deal, far worse than subprime mortgages, and is a financial implosion waiting to happen.

personally i got my mommy to pay half my debt for me, and i'm doing $1 fuck-you payments on the other half. I made 20k last year and it's not looking like I'll make any more than that this year.

>>13054524
amazing! fetus-me should have thought of that before being born into this godforsaken shithole! honest to god i might just flee the country. it's not the debt amount, it's the fact we have to pay that fucking much for education that yuros get for free. fuck them.

>>13055278
>pocohontas wants to wipe student debt.
Bernie too. At this point it's either SuccDem reformism or outright revolt.

>>13055278
What would happen if I got my degree, took federal loans, and then got a job/moved to a shithole like Laos or Ukraine, never making any loan payments? Would I get suicided in my sleep or what?

My dad did something similar with child support depth. At least in switzerland, they can‘t do shit if you decide to not own anything.
He just lived inawoods and ate wild plants.

>>13055306
they wouldn't be able to do shit. if i had been woke as a teen i would have schemed to get a full masters here and then jump ship to yurope or somewhere.
>>13055296
both parties suck. trump promised to lower taxes...i owed 2k for 2018. some job there. if yang gives me gibs or momma injun wipes my debt that would be far more help to me. every other policy is the same anyway between the two, may as well vote for whoever is going to fill my feedbowl.
>>13055315
based

>>13055341
Even Europe? That's pretty surprising. Seems risky but desu I don't really have anything else to do. Maybe I'll finish my degree and go somewhere comfy and poor but still able to employ me

>>13055278
>pocohontas wants to wipe student debt.

is the progressive pseudo-left inadvertently becoming useful to true socialism just by being fucking clueless enough to be naively idealistic? they've been the useful idiots of the capitalist overlords for so long, their naivete has been so effective at destroying praxis. but suddenly they're SO stupid and politically ignorant, so cut off from praxis, that they are willing to slam their dick right down non the table and go "I WILL ABOLISH USURY IF I AM ELECTED."

no "realistic" (i.e., gelded) social democrat would ever say that shit. they'd hem and haw about how student loan debt is part of the neo-classical rube goldberg machine, and desperately try to distract you from the jew behind the curtain operating the two or three levers that actually control the machine, entirely for the benefit of oligarchs.

it's just interesting. one of those levers for social control has always been, "turn the youth into stupid worthless hedonistic pussies who think 'socialism' means socializing and social media. prevent them from truly, eschatologically challenging the hydra of wage-slavery/debt-slavery." it's always worked perfectly, the left since 1968 has always been strategically held down by the dead weight of these overfed retard college students, so that any potentially interesting thinkers or organizers were drowned out by the mass.

but now the mass is so huge and so detached from any realism that it isn't listening to its masters anymore, it seems like? it isn't listening to the amphibious apparatchik types who claim to "represent" it but are actually there to water down all of its demands into infinite fabianism. instead it's just confusedly shouting for the abolition of the possibly biggest usury racket in history: the yoking of every young person to lifelong debt bondage before he can even enter into his wage-slave "adulthood."

>The masses seem to conform to a degree which is excessive over what the system wants, without the participation the system needs. This is a kind of overconformity, akin to a work-to-rule. Baudrillard treats overconformity as subversive, taking the system to excess and hence collapse. It is the resistance of an object which refuses to become the subject the system wishes it to be. Neoliberalism demands that we all become ‘active subjects’, participating in our own exploitation by aspiring to ‘excellence’ and ‘success’. It demands that we take part in producing meaning.

>According to Baudrillard, the uselessness of the masses leads to their triumph. The masses, and the hostage, take their revenge on power.

>>13054101
They file a default judgment, which leads to a judgment, which allows them to garnish your wages and put a lien on any mortgage you may ever have. Also it ruins your credit, which makes it impossible to do anything financially, like even renting an apartment or leasing a car.

>>13055383
What is cash and working under the table?

It's basically an open secret that a very large portion of the total outstanding student loan debt will never be recovered. The government guaranteed loans to everybody even if they took on $100k to study romantic comedies. Then, opportunizing schools that became flush with government provided cash used it to develop administrative bloat and add unnecessary perks and amusements to their assets to attract students (the proverbial icecream machine in the library)

The good thing is the government can waste a lot of money and still never go out of business. But simply canceling all the outstanding debt has moral repercussions for those who already paid theirs off (they should be reimbursed) and would send shockwaves throughout the education world.

The Germans have it right. Their universities are not amusement parks and their government will pay you to go if you're going to study something that is socially useful such as medicine, law, engineering.

>>13055402
>will pay you to go
will pay for you to go

>>13054101
What did you study?

What do you intend to do with your homeless time?

Asking for a friend.

>>13055371
what are you babbling about. you had to jump through two hoops in your first sentence alone

>>13055388
Yeah because those are all the good jobs.

>>13055568
Define "good" within the context of job. You don't need to make over $5,000/yr if you don't pay for housing and mostly forage for food

>>13054273
the state treats you as subhuman as a non-wealthy property owner too

>>13055579
This. You are the states property regardless of what you do, and thus will always be subhuman since the state has effectively adopted the status of human, but is the only thing powerful enough to maintain that.

>>13055559
don't cocktease me by responding and then saying nothing.

>>13054101
They take it directly out of your federal tax refund. Never had my wages garnished even though they threatened it.
If you don't ever file taxes, I guess it's free money for you.

>>13055371
an intelligent post on this website? what's the world coming to. usury is the root of all evil, it enables the parasite class and enslaves the working class. userers must be decapitated.
>>13055576
>yes, we know wages are unfair and have not kept up with even surface inflation, let alone shadow inflation that you aren't allowed to talk about
>but we're not going to do anything about employers taking advantage of increasingly desperate native workers forced to compete with no-debt pajeet and chinamen leveraging advantages in currency conversions wherein this shit wages are a fortune if taken back to their countries
>just live with your mommy and eat out of dumpsters
>be lucky we allow you to earn a living at all
Fuck off, bootlicker. Shoot the parasite class, return workers' rights.

>>13055626
I'm saying that about the $5,000/yr as someone who earns $5,000/yr. I'm not a materialist so I don't care about how many iPhone I have

>>13055643
I'm literally a minimalist and have been using the same phone for six years. don't start setting up strawmen. You cannot survive on 5k/year. One medical emergency wipes your wages out, and it's not including savings for the future, enough to start a family, or ever retiring or going on vacation or anything else. if all you want is to live in your mother's basement eating roadkill until you die at age 32 from an infection, go for it. but to say everyone should be fine living like that is absurd. society would come to an end. unironically.
>parents' insurance
cuts off at age 26.
*ting ting*
If a job does not pay enough to not only cover living expenses, but provide enough excess wealth to be worth trading a year of your life for, then it's slavery. that's it, that's the end of the definition and the argument.

>>13055666
>society would come to an end
>ahbbbbooooooohoooooo
You want the luxury of life without having to live. Shut the fuck up

>>13055679
>majority of jobs literally do not even pay enough to afford rent, food, AND medical care
>you're a whiner if you complain about it
Okay. Got some boots to lick?

>>13055679
What the fuck are you even saying? It hasn't always been this bad. It could be better. why are you arguing against that?

>>13055697
>>13055726
Look. I get that it's not fair. I suppose I don't care about how much money I have. I understand that a lot of people want more, but the incessant complaining drives me nuts. I'm saying "shut the fuck up" in hopes that you'll actually do something. I'm tired of people my age saying
>we'll vote our loans away
>we'll vote for taxes on the rich
I'd support you people 100 percent if you did anything but complain. I wouldn't even ask for a slice of the pie, just please do something already

>>13055666
>>13055278

Isn't the answer basically love and trust?

For real. You take a degree in a comp sci type discipline. You have a similarly trained wife who you never actually marry but trust. Your goal situation involves living in her house as a tenant you're funneling your social security to as rent. Meanwhile she has a work from home IT job which in fact she does not do. You never officially take a job, she has two. As a couple you are benefiting from two degrees but only paying off the loans on one of them.

wouldn't the easiest thing be taking out a shitton of loans, and them fucking off to another country where the US can't extradite you. That's what i'd do anyway

>>13055371
>The masses seem to conform to a degree which is excessive over what the system wants
>[Neoliberalism] demands that we take part in producing meaning.
To take and then shirk student loans is to produce an excess of meaning? The only meaning produced is a negative one. This is a revolution that seeks to abolish the old system but can't in any detail imagine the new. Probably because of its individualism, hedonism. Is that really an overflow? I think it's falling short.

>>13055754
They can't extradite you on student loans anyway since they're a civil matter. So long as you're in a different country you're more or less immune. The only downside is that you'll have a hard time ever doing anything in the US outside of vacations where you spend cash, but that's about it.

>>13054101
Just go live abroad and get paid in cash lol

>>13055936
Also, pro-tip: in Europe, college is almost free

I paid like €5 per year (would have been €500 without my scholarship) for all my college education, in one of the best universities in the world desu

>>13055946
Tuition at the University of California when I was in school was around $3k a quarter for in-state residents.

Times have changed though.

>>13055954
>a quarter

per year*

What if you take a ton of loans out from a bank, and fuck off somewhere? Asking for a friend

>>13054101
>going to university in America
serves you right for being an idiot. in the UK our debt is written off after 30 or so years.

I thought the girl in op's picture was the chad cartoon

>>13056111
Cannot unsee

>>13055742
based

>>13054101
Why can't you just go to a expensive uni, get your degree and just leave the country? America is a shithole compared to Canada and Western Europe

>>13055697
Why the fuck most jobs pay for all that? Do you understand how the market works? Read a book nigga

Nothing, good luck with your credit though

>>13055697
Maybe if you live in a shit state like new york

Any wages you earned will be garnished. Thank the Democrats who thought it was a wonderful idea to force banks to give loans to anyone who asks.

I honestly didnt go to college because I was hella spooked about the idea of taking out loans, I still ended up in a entry level job all these college kids went to. That whole state university shit seems like suck a scam. Half these entry level office jobs could be done out of high school. I guess I missed the "experience" which sucks but eh.

Most people would be better off going into trucking or a trade instead of university. That should be reserved for very high IQ people. It isn't, that's why undergrad takes four fucking years and is mostly midwit material. I know someone isn't bright when they speak well of the college they went to and how much it taught them. People who say this would never pick up a book on their own initiative. I'm proud to say I learned nothing worthwhile from my undergraduate curriculum. My erudition was from my own effort. Not the one that held me ransom.

>>13055290
Imagine thinking that euro education is anywhere near a halfway decent american university

>>13055754
Yes.
>>13054101
>my soup kictions
Fucking child’s play pused, the real master intelligence is to run up 100,000s in CC debit having a blast ( it is not as hard to get that high of a credit line as you think, you can google the tricks, basically you pay off every month and ask for a line increase, till you get up to like 30k, then take several different ccs out), buy some things easier changeable into money, skip the country and change your name, and live like a king in Thailand beach selling off 1st edition books you bought on eBay with a cc you never paid when you need cash, or even stuff like gold coins (yes you can buy gold with a cc, it just costs more)