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re: The wife and I made a difficult decision this weekend
Posted on 8/14/18 at 1:42 pm to Ex-Popcorn
Posted on 8/14/18 at 1:42 pm to Ex-Popcorn
quote:
If the actual evidence shows that kids who don't have to pay for college graduate at a higher rate, what is this argument actually about???
But the actual evidence doesn't distinguish causation vs correlation. It also fails to get down to a granular level that matters on a case by case basis. The median level doesn't matter.
Also, the original discussion is about funding college vs funding retirement, if it ultimately comes to that decision like it did for the OP.
0
Posted on 8/14/18 at 1:43 pm to LNCHBOX
quote:
Is this your way of saying you assumed something without actually knowing anything?
It is my way of saying you are a vacuous contrarian a-hole.
Posted on 8/14/18 at 1:43 pm to TxTiger82
quote:
It is my way of saying you are a vacuous contrarian a-hole.
You don't know what my thoughts are on this and you're calling me a contrarian. What if I plan on paying for my child's college?
Posted on 8/14/18 at 1:44 pm to slackster
quote:
The takeaway should be that it absolutely can be done, it just can't be done the way many want it to be.
I'll be the first to point out it was easier to do two decades ago, but it can still be done today.
I'd love to see an actual income statement (income, expenses, etc.) mapping out how it would be possible to pay your way through college without taking on loans. I was able to graduate college free of parental assistance and debt (even finished in the black) due to scholarships, part time jobs, co-op terms, and a financially favorable living arrangement (friend's parents owned a house and charged us well below market rates for rent). However, take the scholarships and living arrangement away, at best I would have had to take out loans until I got to my co-op terms.
Posted on 8/14/18 at 1:44 pm to LNCHBOX
quote:
What if I plan on paying for my child's college?
Then you're just a vacuous a-hole. Congratulations.
Posted on 8/14/18 at 1:44 pm to LNCHBOX
quote:
My man
Don't put that on me.
Posted on 8/14/18 at 1:44 pm to Anfield Road
quote:
I'd love to see an actual income statement (income, expenses, etc.) mapping out how it would be possible to pay your way through college without taking on loans.
Don't go to a big school far away from home. It's that easy.
Posted on 8/14/18 at 1:45 pm to TxTiger82
quote:
Then you're just a vacuous a-hole. Congratulations.
You seem like the bigger a-hole to me, but that's cool.
Posted on 8/14/18 at 1:45 pm to slackster
quote:
Don't put that on me.
You already got downvoted for agreeing with me
Posted on 8/14/18 at 1:46 pm to PrivatePublic
My parents paid for my tuition in undergrad. They helped as much as possible with other expenses. My junior year, they told me that they couldn't help out with other expenses. I had a part time job already to help pay rent and bills.
I moved home and finished at the school close to home. I graduated debt free. Then, I made the decision to go to law school. I knew that I would have to get loans. I am still paying them off. I appreciate what my parents did, but I never expected anything. I am trying to save as much as possible for my kids, but I know it won't be possible to cover everything. I also want to quit working one day.
I moved home and finished at the school close to home. I graduated debt free. Then, I made the decision to go to law school. I knew that I would have to get loans. I am still paying them off. I appreciate what my parents did, but I never expected anything. I am trying to save as much as possible for my kids, but I know it won't be possible to cover everything. I also want to quit working one day.
Posted on 8/14/18 at 1:47 pm to 12
quote:
My parents paid for my tuition in undergrad. They helped as much as possible with other expenses. My junior year, they told me that they couldn't help out with other expenses. I had a part time job already to help pay rent and bills.
I moved home and finished at the school close to home. I graduated debt free.
Good for you.
quote:
hen, I made the decision to go to law school. I knew that I would have to get loans. I am still paying them off. I appreciate what my parents did, but I never expected anything. I am trying to save as much as possible for my kids, but I know it won't be possible to cover everything. I also want to quit working one day.
Also good for you.
Posted on 8/14/18 at 1:54 pm to LNCHBOX
quote:
Don't go to a big school far away from home. It's that easy.
Speaking from recent experience?
What if you're an orphan and there is no home that you can bank on to save on living expenses? I'm trying to see if it's possible to do this without ANY outside help (including living with parents). Probably a mental exercise that I'll try to figure out later today.
Posted on 8/14/18 at 1:56 pm to Anfield Road
quote:
What if you're an orphan and there is no home that you can bank on to save on living expenses?
Then you will be swimming in financial aid opportunity...
Posted on 8/14/18 at 1:57 pm to Anfield Road
quote:
Speaking from recent experience?
Somewhat. My wife just finished up her second degree and we paid for it all without having to go into debt. Wouldn't have been able to do that if she went to a LSU or similar. Not a perfect comparison as it was my wife and not my child, but we were able to make it work with part time work.
quote:
What if you're an orphan and there is no home that you can bank on to save on living expenses?
Then take out student loans.
quote:
I'm trying to see if it's possible to do this without ANY outside help (including living with parents).
Roommates while at a cheap school.
Posted on 8/14/18 at 1:59 pm to Anfield Road
quote:
However, take the scholarships and living arrangement away, at best I would have had to take out loans until I got to my co-op terms.
Why are we taking these away?
Are these things not available to other potential students? You can still get scholarships and cheap rent today.
Posted on 8/14/18 at 2:01 pm to Anfield Road
quote:
I'm trying to see if it's possible to do this without ANY outside help (including living with parents). Probably a mental exercise that I'll try to figure out later today.
It's impractical to assume zero outside help because the more dire you make your situation, the more funding you'll have available.
Hell, in LA, if you don't qualify for TOPS you seriously have no business in college right out of school.
Posted on 8/14/18 at 2:02 pm to LNCHBOX
quote:
Then take out student loans.
Specifically was looking a way to avoid these. At one point especially in my college days, I was a Dave Ramsey drone so I would not have entertained taking on debt. Though student loans coupled with a well paying major is probably the best investment one can make.
Posted on 8/14/18 at 2:04 pm to Anfield Road
quote:
Specifically was looking a way to avoid these. At one point especially in my college days, I was a Dave Ramsey drone so I would not have entertained taking on debt. Though student loans coupled with a well paying major is probably the best investment one can make.
Then don't get a degree if your aren't willing to take out loans and don't have the cash. What exactly are you after here?
Posted on 8/14/18 at 2:13 pm to slackster
quote:
Why are we taking these away?
Are these things not available to other potential students? You can still get scholarships and cheap rent today.
For scholarships, there exists a subset of students that are hardworking and smart enough to finish college in a well paying major (i.e. engineering) but didn't have high enough ACT/SAT to earn scholarships. There were plenty of guys I went to school with who are doing well now but didn't earn much in scholarships. For the Mississippi Eminent Scholars Grant for example, you had to score a 29 on the ACT. I don't know much about TOPS, so I can't comment on that.
I'll concede your point on roommates.
Posted on 8/14/18 at 2:15 pm to TigerFanInSouthland
quote:
My only problem with OP, without reading the last few pages of this thread, is it sounds to me like OP and his wife just burned through all their money on frivolous things and are at the 11th hour figuring out that they can’t afford to pay.
Beg your pardon? Where the hell did you get that from my post? I actually updated a few pages back if you care to check but here's cliffs for your assuming arse: we're middle class and the frivolity you are referring to is our decade old cars and foreclosure house we bought. We haven't burned through all our money. We saved a fair amount before we were able to get decent retirement benefits, but even then our retirement (standard, not early) projections don't leave a lot of room for big spending, aka college.
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