Forgive Student Loans?

#627
#627
VolStrom said:
Why don't you have health care benefits if you're full time? Even McDonalds advertises healthcare benefits for employees.
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My wife and I talked about this at length; putting our kids on the University insurance plan would fry our finances further than they already are. The monthly cost increase plus the mandatory out of pocket would put us even further in the debt hole.

The University is working towards making my position permanent and tenure track, after which we'll be able to move them onto that policy.

I'm not the only one in my family with severe medical issues that suck money out of our bank account like a vacuum on overload.
 
#628
#628
Rasputin_Vol said:
Well he did say full time, but then you have to also look and see that he also added in "contract". I'm sure that there are probably limits on benefits (if any benefits) that come with that.

Just spit-balling and speculating...
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Sometimes I just don't know when to STFU
 
#631
#631
VolStrom said:
I'm sorry, but I find it unbelievable that you work as a professor and your wife works 2 jobs and your kids qualify for medicaid. I'm really not sure that 3 jobs at minimum wage would qualify for medicaid. Your story doesn't add up.
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Also why’s he intentionally picking a job that makes less money? If he’s a college professor he is clearly qualified to become a high school teacher.

I guess he would get less sympathy?
 
#632
#632
Vol8188 said:
Also why’s he intentionally picking a job that makes less money? If he’s a college professor he is clearly qualified to become a high school teacher.

I guess he would get less sympathy?
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I really wish I hadn't unblocked this comment, because now my blood pressure is creeping upwards.

It's not all about the money. If it were all about the money, I'd be managing networks with my brother and making double what I am now. But that's not what I believe God has called me to do.

I'm not a victim, but I am one hell of a broken human being. Missing one leg, fighting like hell to keep the other one, seeing specialist after specialist...

Working at the University level gives me time to go to my doctors without taking sick leave to do so. I'm teaching five classes, supervising student teachers, serving on committees and doing research, and I still have time to have two doctor visits a week plus physical therapy without having to take days off and find a sub.

And preparing the next generation of teachers is what I feel called by God to do. And besides content knowledge, what do I teach them?
  • Their students don't care how much they know until they know how much you care
  • If your students know your political affiliation, you're doing it wrong
  • Parents want to hear from you, especially the good things. Build quality relationships and your students will go even further.
  • You have to educate everyone: your students, your bosses, the public. You are the expert on what you do, but be humble about it. Create allies with as many people as possible.
  • I will disown you and make sure you never teach again if you harm a student. Don't touch the kids, don't touch the money.
A little less money to be in right relationship with God and not have to deal with sick leave paperwork is well with it. Plus, my kids will get 50% off their tuition wherever I teach and they have access to the knowledge and assistance of my colleagues now. It pays off.
 
#633
#633
Rasputin_Vol said:
I would have no issue with that if that to an extent. I still think that even in those situations, there is room for haircuts on the debt because it is clear that the loans given in many of these instances should have never been issued in the first place. Pick some arbitrary number between $50-100k and tell them they are responsible for paying no more than that amount.
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So you’re saying that the PhD or MD can get their graduate degrees paid for?
 
#635
#635
Vol8188 said:
Also why’s he intentionally picking a job that makes less money? If he’s a college professor he is clearly qualified to become a high school teacher.

I guess he would get less sympathy?
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Low blow.

How about that question I posed to you earlier if you’re bored?
 
#636
#636
AshG said:
The constant **** posting that higher Ed is just an indoctrination mill that uses federal dollars to convert innocent little kids into raging liberal voters. Respond with lived experience and evidence to the contrary or discuss the evidence that homeschool and private schooling openly attempt to do the equivalent of what colleges and public school are alleged to do, and here comes the dogpile.
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I think you often stand up exaggerated positions that fit the battle you want to fight and then start arguing against them.

I’ve mentioned this to you before and your response was something along the lines of, yes, you are fighting the notions of your upbringing.
 
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#638
#638
One thing is for sure, students in high school and lower grades need to start thinking about taking matters into her own hands.

I had both my kids dual enroll in a local community college during high school. By the time they graduated HS they were 1/2 done with college.

Most degrees are packed full of nonsense classes anyway and should not take 4 years. Might as well roll through those in high school.

Then they picked sensible schools that offer scholarships and work programs that credited the pay back toward tuition. I covered the rest. My oldest finished her degree at a highly regarded private school and we were all in (food, books, tuition, etc) for $3,500 /semester for 2.5 years.

I get that law, medical schools, etc is quite an expensive venture but there no way some should be spending exorbitant amounts of money on a basic bachelor's degree.
 
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#639
#639
MurphyVol said:
One thing is for sure, students in high school and lower grades need to start thinking about taking matters into her own hands.

I had both my kids dual enroll in a local community college during high school. By the time they graduated HS they were 1/2 done with college.

Most degrees are packed full of nonsense classes anyway and should not take 4 years. Might as well roll through those in high school.

Then they picked sensible schools that offer scholarships and work programs that credited the pay back toward tuition. I covered the rest. My oldest finished her degree at a highly regarded private school and we were all in (food, books, tuition, etc) for $3,500 /semester for 2.5 years.

I get that law, medical schools, etc is quite an expensive venture but there no way some should be spending exorbitant amounts of money on a basic bachelor's degree.
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Dual enrollment saves far more money than AP coursework in the long run. And yes, there a lot of silly classes required for many degrees. Getting them out of the way through CC and joint enrollment makes so much sense.
 
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#640
#640
AshG said:
Dual enrollment saves far more money than AP coursework in the long run. And yes, there a lot of silly classes required for many degrees. Getting them out of the way through CC and joint enrollment makes so much sense.
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Few things in life that I pay for feel like a value, but the right community college is an absolute bargain in today's world.
 
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#641
#641
MG1968 said:
Here’s an idea.

Cancel the debts, but:

1- count the cancellation as income and taxable.

2- lock their credit rating at 600 for a year and forbid any new applications for credit of any kind during that time. Any current debts they owe (credit cards, mortgages, car payments) must be kept current and cannot be bankrupted during that year.

3- permanently ban them for applying for any further federally guaranteed educational loans. Any further education has to be funded through grants, scholarships, private loans or out of pocket.

4- require colleges and universities to provide alternative funding for at least 66% of a degree’s total cost. If a particular degree would normally cost $100k to achieve, only $34K of it can be funded through federal loans. The remaining 66K must come from non-debt accruing means such as endowment funded grants and scholarships or work-study programs.

5- require “unpaid” internships be paid directly to loan providers.
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So what do you do about all the dumbasses that are locking in those big loans as we speak? Or for that matter anyone that has done so for the last 2 or 3 years? Are they so focused on getting that degree that they are oblivious to Pocohontas and AOC and Bernie's rants about free college? At what point does forgiveness of these loans end and not make the cut?
 
#642
#642
Rasputin_Vol said:
Why count it as income? The govt doesn't generate revenue off of your taxes anyway. They can just print whatever money they need.
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I don't disagree with your cynicism regarding the government, but it isn't about filling the coffers. It is about inflicting SOME level of pain. You cannot just write off these loans for nothing. They do not simply go away. The banks get paid one way or another. At least these deadbeats will know that they ain't getting their degree for free.

It's disgusting what is going on right now. Free college. But pay the athletes all the money they can get. The soup they are making will kill the institutions we all knew and loved. I have never booed a college freshman in my life, but if some kid comes in with 6 figures in NIL money he better ****ing perform at a high level.
 
#643
#643
MurphyVol said:
One thing is for sure, students in high school and lower grades need to start thinking about taking matters into her own hands.

I had both my kids dual enroll in a local community college during high school. By the time they graduated HS they were 1/2 done with college.

Most degrees are packed full of nonsense classes anyway and should not take 4 years. Might as well roll through those in high school.

Then they picked sensible schools that offer scholarships and work programs that credited the pay back toward tuition. I covered the rest. My oldest finished her degree at a highly regarded private school and we were all in (food, books, tuition, etc) for $3,500 /semester for 2.5 years.

I get that law, medical schools, etc is quite an expensive venture but there no way some should be spending exorbitant amounts of money on a basic bachelor's degree.
Click to expand...
"free" college will be nothing more than extended high school if it ever comes to pass. I took a class over at the local community college and that is exactly what it felt like. They took attendance. Seriously.

But you are doing exactly the right thing with your kids. Saves a lot of money and English 101 is English 101 whether at UT, Pellissippi State or Harvard.
 
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#644
#644
SpaceCoastVol said:
"free" college will be nothing more than extended high school if it ever comes to pass. I took a class over at the local community college and that is exactly what it felt like. They took attendance. Seriously.

But you are doing exactly the right thing with your kids. Saves a lot of money and English 101 is English 101 whether at UT, Pellissippi State or Harvard.
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English 101? I am so dismayed by the horrendous spelling of today's youth, I can't hold myself back sometimes. I was reading some posts today that spelling was optional, they just phonetically spelled words, it was worse than ebonics.
 
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#645
#645
SpaceCoastVol said:
So what do you do about all the dumbasses that are locking in those big loans as we speak? Or for that matter anyone that has done so for the last 2 or 3 years? Are they so focused on getting that degree that they are oblivious to Pocohontas and AOC and Bernie's rants about free college? At what point does forgiveness of these loans end and not make the cut?
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With any luck, students, lenders and universities will see the writing on the wall.

And just so you can un bunch your jimmies, I’m not a proponent of any kind of forgiveness. But if it does happen, there needs to be pain felt by more than just the taxpayers.
 
#646
#646
MurphyVol said:
One thing is for sure, students in high school and lower grades need to start thinking about taking matters into her own hands.

I had both my kids dual enroll in a local community college during high school. By the time they graduated HS they were 1/2 done with college.

Most degrees are packed full of nonsense classes anyway and should not take 4 years. Might as well roll through those in high school.

Then they picked sensible schools that offer scholarships and work programs that credited the pay back toward tuition. I covered the rest. My oldest finished her degree at a highly regarded private school and we were all in (food, books, tuition, etc) for $3,500 /semester for 2.5 years.

I get that law, medical schools, etc is quite an expensive venture but there no way some should be spending exorbitant amounts of money on a basic bachelor's degree.
Click to expand...
Agreed this is one of my major issues with college, too many pointless classes are required that students just dont give 2 ***** about. That stuff should be taught in high school. College is a system designed to suck you in and leave you thousands in debt. 2 year degrees are pointless and 4 year degrees should only take 2. This is coming from someone who has a 2 year and 4 year degree.
 
#648
#648
MurphyVol said:
One thing is for sure, students in high school and lower grades need to start thinking about taking matters into her own hands.

I had both my kids dual enroll in a local community college during high school. By the time they graduated HS they were 1/2 done with college.

Most degrees are packed full of nonsense classes anyway and should not take 4 years. Might as well roll through those in high school.
Click to expand...
Now how many parents have the financial means or the cognitive ability and wisdom to do what you did for your children? I'm not criticizing you, I'm just saying that there is a lot of misinformation or flat at no information given to these guys when they are making one of the biggest life choices they could make at that age.
 
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#649
#649
AshG said:
I really wish I hadn't unblocked this comment, because now my blood pressure is creeping upwards.

It's not all about the money. If it were all about the money, I'd be managing networks with my brother and making double what I am now. But that's not what I believe God has called me to do.

I'm not a victim, but I am one hell of a broken human being. Missing one leg, fighting like hell to keep the other one, seeing specialist after specialist...

Working at the University level gives me time to go to my doctors without taking sick leave to do so. I'm teaching five classes, supervising student teachers, serving on committees and doing research, and I still have time to have two doctor visits a week plus physical therapy without having to take days off and find a sub.

And preparing the next generation of teachers is what I feel called by God to do. And besides content knowledge, what do I teach them?
  • Their students don't care how much they know until they know how much you care
  • If your students know your political affiliation, you're doing it wrong
  • Parents want to hear from you, especially the good things. Build quality relationships and your students will go even further.
  • You have to educate everyone: your students, your bosses, the public. You are the expert on what you do, but be humble about it. Create allies with as many people as possible.
  • I will disown you and make sure you never teach again if you harm a student. Don't touch the kids, don't touch the money.
A little less money to be in right relationship with God and not have to deal with sick leave paperwork is well with it. Plus, my kids will get 50% off their tuition wherever I teach and they have access to the knowledge and assistance of my colleagues now. It pays off.
Click to expand...

You seem to openly seek pity for your situation while also admitting you could have improved your situation by either working for a public school system or family.
 
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