Student Loans

This topic was created in the Miscellaneous forum by Nala13 on Tuesday, January 14, 2014 and has 11 replies.
Are the devil. I mean really. I will still be paying for them when my own children are in college.
I could kick myself. My parents were paying for my education. I had to go and start smoking the hippie lettuce and screw it up. They were like ...oh yea well if you got that kind of money pay your own butter.
I would really like to go back to 18 and start over. I would have become an elevator repairman. They make six figures and I am pretty sure I could have paid for that standing on my head.
WTH...rant over
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I owe tens of thousands. Its really sad.
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I hate the idea of debt.
The biggest loan I took out was 3k. I was fortunate enough to have the rest paid for by grants.
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Posted by mrdesperado
Good thread, yeah this is one of the next bubbles to burst in the US. The student loan bubble is continuing to wreak havoc on the US economy. I know so many individuals with college loans up to their eyeballs, with limited opportunities to actually receive decent paying jobs within their field. A good and informative documentary can be found on youtube, entitled College Conspiracy. It was produced by the National Inflation Association.

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I have never owned a credit card, I have never been in debt??_.I grew up with a mum saying "we're in debt now" couple of months go buy "we're out of debt now" and that pretty much went on and on in my childhood??_.and It sucked, mum always taught me "Never to owe"
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Well I borrowed 5K a semester for 5 years or nearly 10 semesters. Actually 8 because my parents paid for the first year. Tuition was about 3200.00 and then books. I usually had about 500.00 left after the fact.
That was 45K. Plus interest and it got to to the mid 50s. I have been paying on it and got it under 50K. I put it in forberence for 4 months. four months and it is now back near 50.
My interest rate is low. The lowest possible. I am on an income based repayment plan. My payment was 190 a month. It is now 214 a month after the forbearance. It will grow to 366 a month and the last year it will be 586 a month. I can only hope to be making double what i make now.
The sad part about it I make really good money but I could make this same amount of money without a Bachelors degree.
My job really wants me to get an MBA. They will pay for half of it. I am like no way.
I have a friend who has a masters in IT I think and she owes $ 135,000.00.
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Posted by iwin32
Posted by Nala13
Are the devil. I mean really. I will still be paying for them when my own children are in college.
I could kick myself. My parents were paying for my education. I had to go and start smoking the hippie lettuce and screw it up. They were like ...oh yea well if you got that kind of money pay your own butter.
I would really like to go back to 18 and start over. I would have become an elevator repairman. They make six figures and I am pretty sure I could have paid for that standing on my head.
WTH...rant over


How much do you owe or how much money did you get?
I don't know from what stare you are, but here in California my college education was pretty much free through FAFSA and Board of Governors Fee Waiver program.
It's interesting how expensive is to go to college here in the U.S with all the resources we have.
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Yeah, but both of those are need based. So if you and your parents aren't up to par financially, then yes, school is free. It's why my education was free. However, those whose parents make more money will not qualify for those things. Neither will individuals who are under the age of 24 and on their own since they still have to claim their parents on their applications (unless the parents don't make a lot either).
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Posted by Rabbit

We need workers with useful skills...not more art history and literature majors. You want one of those degrees? Pay for it yourself. Without heavily subsidized government loans and grants.


This. I do not understand why some of these degrees exist. They seem like a waste of time and space, tbh.
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Posted by LilyTree
College is looking like more of a pipe dream for me. While I got accepted to the college of my choice, it's not looking promising. Sad I don't think state and federal grants will cover my expenses, and the loans allowed will be limited. I also don't want to accumulate student debt at this stage, particularly if grad school will be near impossible to afford.
I can't start this spring because I can't even afford the enrollment fee that has to come out of my pocket. I'm now considering setting my sights at a lower point, and going to the community college to utilize their professional programs. Maybe I'll try to get certification as a lab technician or something. This is all very heartbreaking...


What state do you live in? What school did you get accepted to?
And going the community college route first is a big way to help with costs. A lot of people look down on it, but it's a great way to afford to knock out your general ed requirements before transferring to the university of your choice.
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Fuck you and your thread for reminding me about the money I'm about to have to pay off here in about a years time! That is all.
^.^
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Posted by LilyTree
Posted by rockyroadicecream
Posted by LilyTree
College is looking like more of a pipe dream for me. While I got accepted to the college of my choice, it's not looking promising. Sad I don't think state and federal grants will cover my expenses, and the loans allowed will be limited. I also don't want to accumulate student debt at this stage, particularly if grad school will be near impossible to afford.
I can't start this spring because I can't even afford the enrollment fee that has to come out of my pocket. I'm now considering setting my sights at a lower point, and going to the community college to utilize their professional programs. Maybe I'll try to get certification as a lab technician or something. This is all very heartbreaking...


What state do you live in? What school did you get accepted to?
And going the community college route first is a big way to help with costs. A lot of people look down on it, but it's a great way to afford to knock out your general ed requirements before transferring to the university of your choice.


I live in Pennsylvania, and I got accepted to Albright College. It has a very solid science program, and it's not too far from home, so I wouldn't have to live on campus. My plan was to utilize the pre-med veterinary track there before applying to med school (the University of Pennsylvania is my top choice.)
I shared your exact perspective on going to the community college to save costs on general education requirements. However, that will take 2 years, and they are missing programs that I will need of I'm going to apply to UPenn. Because of the holes in the necessary requirements will be evident, I may end up having to go to a 4-year college like Albright to complete them before re-applying to UPenn. So, I applied to Albright with the idea of cutting out the extra step of 2 years at the community college. This way, I'd be able to graduate with a Bachelor of Science degree (with a major in biology), and then have a better chance of getting accepted into grad school.
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Have you seen if the schools offer grants and waivers? Do you not qualify for the Pell grant? Have you looked into work study?
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