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Posted on 5/12/19 at 9:52 am to funnystuff
quote:I am using it correctly.
You’re using the term moral hazard incorrectly.
Posted on 5/12/19 at 9:54 am to bmy
quote:Why should non-borrowers shoulder the burden for borrowers mistakes?
Loan forgiveness after 180 months for all students instead of just public servants
Posted on 5/12/19 at 9:55 am to funnystuff
quote:*yawn* wasn’t commenting on the proposal, but rather the larger idea that subsidizing unproductive education is a good idea.
We don’t, and no part of the proposals presented by trump would lead to that conclusion. Read them before getting angry, because you are way, way off here.
Posted on 5/12/19 at 9:55 am to Lima Whiskey
Very, very wrong. If we want citizens who will be competitive in modern markets, they absolutely have to be familiar with the technology firms are using. That classroom is all that’s needed for gender studies degrees, but we want to move away from those. If you want to be an engineer or an accountant, or an economist, you better be familiar with computer programs.
Posted on 5/12/19 at 9:56 am to bmy
quote:
That room is far nicer than 99% of the university classrooms i have been in
Where did you go to university?
Posted on 5/12/19 at 9:56 am to Taxing Authority
Proggies gonna proggy.
Posted on 5/12/19 at 9:56 am to Taxing Authority
Do you know what a positive externality is?
Posted on 5/12/19 at 9:57 am to funnystuff
quote:This means a laptop and an internet connection. No classroom needed at all.
If we want citizens who will be competitive in modern markets, they absolutely have to be familiar with the technology firms are using.
Posted on 5/12/19 at 9:58 am to Taxing Authority
You keep throwing out buzzwords and catch phrases that you clearly don’t understand 
Posted on 5/12/19 at 10:00 am to funnystuff
quote:I do. It’s second-order bullshite. If “society” has a benefit to an individuals education it can only occur if the individuals benefit first.
Do you know what a positive externality is?
If the “investment” was beneficial to those individuals hey’d be able to pay their loans back and would do so happily because they benefitted from the expense.
Try to keep up.
Posted on 5/12/19 at 10:01 am to Boatshoes
quote:
(2) Allow student loans to be discharged in bankruptcy forcing lenders to vet the school, course of study, and academic qualifications of the borrower.
There are two issues with this. First off, I do not believe private lenders are involved in student loans anymore.
Since that is the case the second issue will never happen, but this idea would be called racist.
Posted on 5/12/19 at 10:01 am to funnystuff
quote:
You keep throwing out buzzwords and catch phrases that you clearly don’t understand
you were the one that brought them up. Posted on 5/12/19 at 10:03 am to Taxing Authority
Moral hazard is the lack of incentive to guard against risk because you are protected from consequences. You said...
You are definitely using the term incorrectly.
quote:Removing the moral hazard means re-exposing people to the consequences of their risky actions, something does not happen when you subsidize education. If anything, we have added moral hazard to education.
We’ve removed the moral hazard of education spending by subsidizing it so heavily.
You are definitely using the term incorrectly.
Posted on 5/12/19 at 10:03 am to weagle99
quote:
I don’t see why schools should be responsible for people’s life choices.
they benefit most from this government subsidy/scheme, so why shouldn't they have skin in the game?
Posted on 5/12/19 at 10:04 am to Taxing Authority
Agreed, and I’m extremely excited about the potential that digital education offers. But poster I was responding to said the only thing needed for education was a chalkboard and some desks. That’s 1950s style shite, and grossly outdated.
Posted on 5/12/19 at 10:05 am to funnystuff
Posted on 5/12/19 at 10:07 am to funnystuff
And I don't think he was talking about the things you are referring to.
I would venture to guess his criticisms center around how universities these days have become luxurious playgrounds with massive, bloated administrations.
I would venture to guess his criticisms center around how universities these days have become luxurious playgrounds with massive, bloated administrations.
Posted on 5/12/19 at 10:09 am to funnystuff
quote:Yes.
Moral hazard is the lack of incentive to guard against risk because you are protected from consequences.
quote:Also correct.
You said...We’ve removed the moral hazard of education spending by subsidizing it so heavily.
Because of the availability of “free” money that has to be repaid at far below market and risk-based rates (removal of consequences) it’s really easy to borrow money to obtain a completely economically unproductive degree. This causes many to ignore the risk (repayment) they are taking on.
quote:Definitely not.
You are definitely using the term incorrectly.
Posted on 5/12/19 at 10:09 am to funnystuff
quote:
You don’t see why schools should share in any part of the responsibility for exploiting naive 18 year olds?
Why isn’t your government that you are looking to for solutions educating these kids when they are 17 about economics and loans?
This post was edited on 5/12/19 at 10:10 am
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