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BulldogXero
Mississippi St. Fan
Member since Oct 2011
2219 posts
Online

re: Delinquent student loans surge in Q3

quote:

Don't call his show and tell him your sad story. You wouldn't like his answer at all. Better yet, do call his show. Sounds like you could have benefited from some Ramsey advice several years ago. Where were you parents when you were making all of these life changing decisions?


I don't really have a sad story to tell yet. If I can get a job that pays the bills, I'm going to pay my loans and continue my life as a productive member of society, but that doesn't mean I think college was a worthwhile investment that I wasn't suckered into due to my own ignorance. We can play the blame game all day long, but it's clear to me that there's negligence on the part of people who should know better. Elderly couples who fall victim to email phishing attempts could have avoided having their bank accounts wiped out even if they were even remotely technology literate, but no one tells them to buck up when they've lost their life savings. Instead, we view the scammers as the scumbags and place blame on them. Is this only because they're breaking the law or because they're miserable human beings? Is it some of both?

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Hence, if Obama pays off my student loans, I won't complain at all because even if I land a great job, it will be only because I had a spiffy piece of paper and not because I actually learned anything useful. Our entire educational system is in need of major reform at all levels, and until then, college is an absolute joke. I don't like I got what was promised to me, so I won't feel bad at all if the government retracts my debt.

I think too many of you joined college to have a good time attending frat parties and football games then having mommy and daddy use their professional network to land you a sweet job to realize why college should truly exist -- to get an education rather than a credential.



accnodefense
New Mexico Fan
Member since Dec 2010
2808 posts
Online

re: Delinquent student loans surge in Q3
I admit I have defaulted on 2 loans, but my monthly payments combined is $1800 a month.

I only make about $45k a year combined on my 2 jobs, plus helpng my buddy with Christmas lights so making money on the side with that too.

Even at $45k a year you can not spend $1800 a month on student loans, its impossible.

I took the Dave Ramsey Financial Peace course, and there I learned to pay the "four walls" first, your housing/food/clothing/gas, and then whatever you have leftover to put toward your debt. I don't have enough leftover after my necessities to pay for the $550 and $700 a month payments, so I had to default.

But I am not going hungry or going homeless to pay a student loan. That goes against Dave Ramsey's "You pay yourself first" principle.

However, I am not on my knees looking for the government to bail me out. I signed the dotted line, picked a shitty major, and I am responsible and no one else. And I have intention to pay it back. Not having intention to pay it back is stealing. I am just trying to work my way up so I can pay them all. I am still paying the loans I can afford.

I am about to go back to graduate school as a grad assistant, so I can put my loans on deferment and not incur any more education costs.


StinkBait72
USA Fan
Member since Nov 2011
1115 posts

re: Delinquent student loans surge in Q3
quote:

Hence, if Obama pays off my student loans, I won't complain at all because even if I land a great job, it will be only because I had a spiffy piece of paper and not because I actually learned anything useful. Our entire educational system is in need of major reform at all levels, and until then, college is an absolute joke. I don't like I got what was promised to me, so I won't feel bad at all if the government retracts my debt.

I think too many of you joined college to have a good time attending frat parties and football games then having mommy and daddy use their professional network to land you a sweet job to realize why college should truly exist -- to get an education rather than a credential.



What a great outlook to have....I'm sure you'll make your employer very happy since you learned nothing and are such a go-getter.


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SlowFlowPro
Stanford Fan
Simple Solutions to Complex Probs
Member since Jan 2004
311052 posts

re: Delinquent student loans surge in Q3
quote:

Elderly couples who fall victim to email phishing attempts could have avoided having their bank accounts wiped out even if they were even remotely technology literate, but no one tells them to buck up when they've lost their life savings. Instead,

i do

quote:

Instead, we view the scammers as the scumbags and place blame on them

well they have blame, too

quote:

I don't like I got what was promised to me, so I won't feel bad at all if the government retracts my debt.


holy
fricking
shit


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jonboy
LSU Fan
Member since Sep 2003
3457 posts

re: Delinquent student loans surge in Q3
quote:

I don't like I got what was promised to me, so I won't feel bad at all if the government retracts my debt.



Ah...the fine stench of ignorance matched with perceived intellectual superiority.

quote:


I think too many of you joined college to have a good time attending frat parties and football games then having mommy and daddy use their professional network to land you a sweet job to realize why college should truly exist -- to get an education rather than a credential.



And there is the veil of envy shrouded by all knowing superiority. The communists are just what your looking for.


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DallasTiger11
UCLA Fan
Los Angeles
Member since Mar 2004
2635 posts

re: Delinquent student loans surge in Q3
quote:

BulldogXero

You are one depressing college kid.

Let me get this straight. You actually have a good GPA with a high chance of getting a job upon graduation but you don't want to pay your loan back because you didn't LIKE your education?

So you purchased a service and want it free because it wasn't up to your standards? Hey, I bought my car four years ago and I don't like it anymore. I want my money back.

WTF is this world coming to.


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JohnnyKilroy
New Orleans Pelicans Fan
Member since Oct 2012
9671 posts

re: Delinquent student loans surge in Q3
quote:

BulldogXero


Holy shite you make some terrible analogies.


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