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Message
2
Posted on 5/15/25 at 9:14 am to thejuiceisloose
quote:
I'm sure you're equally as upset at the various bailouts of large industries in the 2000s and then the PPP and other forgiven loans during COVID.
Covid handouts were a massive failure. Giving a bunch of people that donor need money large windfalls, what could go wrong? Led to massive inflation because they had an influx of cash, and it led to wage inflation because they were willing to leave their jobs. People that have historically claimed to hate government handouts turned into hypocrites and all of the sudden loved them.
Student loans and Pell grants should be merit based after year one, requiring a GPA threshold and mandatory number of hours passed each semester to continue receiving money.
Audits should also be mandatory for all colleges that receive over 10% of their funds from government backed loans or subsidies. These should be conducted to explain why hyper tuition growth is necessary since it is being funded by the tax payers. If they cannot explain why it is necessary to raise tuition so massively then government funding should be cut.
Posted on 5/15/25 at 9:16 am to reggierayreb
Now that I think about it, Oklahoma being on there is interesting. No HBCUs that I'm aware of, but a large Indian population.
I do know that young people get pushed to go to 2 year institutions like Murray State in Tishomingo that are ridiculously bad, but those students had no business going to college anyway, but they're pushed to take out loans and enroll. It's a sham.
I do know that young people get pushed to go to 2 year institutions like Murray State in Tishomingo that are ridiculously bad, but those students had no business going to college anyway, but they're pushed to take out loans and enroll. It's a sham.
Posted on 5/15/25 at 9:18 am to Sput
quote:
Lots of HBCUs in those states
This is absolutely crazy-- Ten years after graduating from a HBCU you are further into debt, they when you finished
quote:
student loan borrowers who attended HBCUs owed 130 percent more than their original loan balance a decade after entering repayment
Posted on 5/15/25 at 9:25 am to bad93ex
As others said, TOPS doesn't offer 100% of the costs. Fees & books are excluded, and I do not believe room & board is covered. In the past, there was a partial scholarship option with TOPS.
And, even with TOPS, a lot of people were taking out loans for "living expenses"
And, even with TOPS, a lot of people were taking out loans for "living expenses"
Posted on 5/15/25 at 9:34 am to Mingo Was His NameO
quote:
Dude, PPP and employee retention credit may have been the biggest fraud since Madoff. Government was just giving money away
Dude, I sell businesses for a living. I see their financials, talk to the employees they retained, see the facilities that they own and invested in. I specialize in forensically finding BS in financials.
You hear about the fraud cases because they are often egregious. You don't hear about Joe's Commercial Contracting that kept 45 families afloat with paydays while their work orders ground to a halt.
For every jackass who bought a vacation home, there are 10 or a 100 Joe's Commercial Contractors.
Posted on 5/15/25 at 9:34 am to tigeraddict
quote:
we had a post on this topic earlier..... SEC vs SWAC, SWAC on average had 3x the delinquency rates
If you are going to look at the SWAC, might as well look at the other 3 conferences
SWAC had between 9.0% and 26.6% Delinquency rates for their 11 schools. with a school % average of 19.2%
MEAC had between 6.9% and 23.3% Delinquency rates for their 9 schools. with a school % average of 13.6%
CIAA had between 11.4% and 24.6% Delinquency rates for their 13 schools. with a school % average of 17.3%
SIAC had between 6.6% and 31.7% Delinquency rates for their 15 schools. with a school % average of 16.8%
Posted on 5/15/25 at 9:37 am to Weekend Warrior79
quote:
And, even with TOPS, a lot of people were taking out loans for "living expenses"
This is what I was alluding to with my post, disbursement days at college was like another xmas for a lot of folks including myself but I am not delinquent on my loans just have about 20 more years of payments.
Posted on 5/15/25 at 9:38 am to Faurot fodder
quote:
All this map tells me is that communist states like California and Illinois benefitted the most from student loans being wiped clean. NO WAY the commies in those two states are prioritizing their student loan payments. Bunch of freeloaders got their loans taken care of the last few years.
It must be a real challenge creating fantasy explanations for everything, rather than just admitting to yourself that you have been willingly brainwashed by right wing outrage stories.
Posted on 5/15/25 at 9:46 am to bad93ex
quote:
just have about 20 more years of payments
As someone that took their time paying back student loans, 18 years. I can say it will feel like it's never ending, but you will eventually get there. Pretty sure I refinanced mine 3 times constantly chasing that slightly lower interest rate
Posted on 5/15/25 at 9:49 am to Weekend Warrior79
quote:
As someone that took their time paying back student loans, 18 years. I can say it will feel like it's never ending, but you will eventually get there. Pretty sure I refinanced mine 3 times constantly chasing that slightly lower interest rate
We are using the snowball method right now with our debts and will employ that towards out student loans once the other higher interest debt is cleared then we should pay them down significantly faster, just stinks that none of the interest is tax-deductible for us since it would be a considerable tax savings.
Posted on 5/15/25 at 10:07 am to stout
quote:
More than half of the newly delinquent borrowers already had subprime credit scores.
So people with bad credit don't pay their bills?
Posted on 5/15/25 at 10:08 am to TBoy
quote:
It must be a real challenge creating fantasy explanations for everything, rather than just admitting to yourself that you have been willingly brainwashed by right wing outrage stories.
Joe Biden.
If you believe Joe Biden was fit to be president and the democrats weren't trying to cover it up, you are brainwashed.
Him being escorted off stage was not cheap fakes. The cheap fake was Biden is the fittest he's ever been.
This post was edited on 5/15/25 at 10:14 am
Posted on 5/15/25 at 10:16 am to stout
You borrowed it, pay it back. Glad Bidens gifting is gone.
Posted on 5/15/25 at 10:28 am to Faurot fodder
quote:
All this map tells me is that communist states like California and Illinois benefitted the most from student loans being wiped clean. NO WAY the commies in those two states are prioritizing their student loan payments. Bunch of freeloaders got their loans taken care of the last few years.
Please tell me this is satire
Posted on 5/15/25 at 10:33 am to TBoy
I just enjoy getting any and all libs worked up. It's really not a challenge at all.
Posted on 5/15/25 at 10:51 am to Faurot fodder
quote:
I just enjoy getting any and all libs worked up. It's really not a challenge at all.
Funny you say that when I see conservatives do the same. Some things aren't just liberal and conservative. Some people are able to see things from both perspectives and not shite on the other for having a difference of opinion.
The map can show that multiple things can be true at the same time. For the red states in the red, it can be due to being some of the poorer states and more people have to obtain loans to pay for their children's education. I received TOPS but only covered part of my tuition where other states may cover the full tuition. Sometimes people may find difficulty getting a sufficient paying job to pay the loans back. I know someone who got their degree in a respectable field and cannot get anything of significance unless they move out the state. There are many other things that can attribute to it. Not just one side or the other.
Posted on 5/15/25 at 11:00 am to TigerHornII
quote:
Dude, I sell businesses for a living. I see their financials, talk to the employees they retained, see the facilities that they own and invested in. I specialize in forensically finding BS in financials. You hear about the fraud cases because they are often egregious. You don't hear about Joe's Commercial Contracting that kept 45 families afloat with paydays while their work orders ground to a halt. For every jackass who bought a vacation home, there are 10 or a 100 Joe's Commercial Contractors.
I was intimately involved in both processing PPP and filing ERC credits, I can assure you there was no oversight and everyone was taking them, whether they needed them or not. I don’t blame them, why not take free money, but you’re either full of shite or an idiot if you think either program wasn’t absolutely abused
Posted on 5/15/25 at 11:02 am to dgnx6
quote:
Joe Biden. If you believe Joe Biden was fit to be president and the democrats weren't trying to cover it up, you are brainwashed. Him being escorted off stage was not cheap fakes. The cheap fake was Biden is the fittest he's ever been.
What does this have to do with his made up story about loan forgiveness?
Posted on 5/15/25 at 11:03 am to bad93ex
Tops doesn’t cover it all anymore, never did
This post was edited on 5/15/25 at 11:04 am
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