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InvisibleLunarEclipse
Enlil's Official Story
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Registered: 10/31/04
Posts: 21,407
Loc: Building 7
Re: Student Loan Issues [Re: nooneman]
    #23494964 - 07/31/16 09:00 AM (7 years, 5 months ago)

The extent of paying it forward has reached the silly level.  Here we are with folks essentially borrowing on the future that may never come while earning zero and sitting in class in the hope they can make more than enough to pay off that debt and interest.  Sorry OP just thinking about this makes me sorry for debt slaves.  It's just too bad people can't do maybe 6 months or even 3 months training for a real trade instead of hoping for the college "home run" to pay for all that student loan debt.  I think if you could find a trade job on that basis of getting them to train you then hire you right away you'd be light years ahead money wise.

Well, thinking about my career and money made, had I to do it over again I would have become a plumber right away.  Plumbers only need to know two things, shit flows downhill and paydays are Fridays.

Nowadays too so many college educated people can't find any real job so worse are overqualified and that makes it more difficult to find the menial jobs as the employer knows they won't stay long.  What a Catch22...


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Anxiety is what you make it.


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InvisibleMojo
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Registered: 07/12/07
Posts: 1,676
Re: Student Loan Issues [Re: LunarEclipse]
    #23495098 - 07/31/16 10:05 AM (7 years, 5 months ago)

I think the tides are turning.  I recently read an article about the first community college I attended and they are closing down one of their satellite campuses because student enrollment has decreased by 35% since 2011, in fact over that same period college enrollment has declined across the USA, though not so drastically.  I think this generation witnessed a sort of college bubble.  Brought on, NOT by greed alone, but a generation of kids that were raised to believe that trade jobs or "laborers" were not respectable professions. I don't think this perception can last; America has a crumbling infrastructure and no one to rebuild it.  We will eventually see a push for young people to enter into trades instead to college, the country doesn't have a choice.

With that said, vocational education isn't free.  And with the economic machine moving ever forward, who knows what "brilliant" business  could be developed to suck as much money as possible out the future demand for trades (*Think APOLLO Group..)...  At that point maybe it will be best to go to college.  When society tells you to swing, the appropriate action is to duck...

A college education can still be valuable, mine was.  I would encourage any young shroomrite thinking about college to use common sense and think about whether your proposed college education is a prerequisite to a real life job, and make sure you want it enough to see it through; because worthwhile college degrees tend to be challenging; and going into debt for an education you don't finish is perhaps the most foolish money blunder you will ever make.  Not to be hard on the OP, in fact you got out easy with only $7000 of debt to reckon with, which is an easily manageable sum.  But some aren't so fortunate, ending up with over ten times that amount...


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InvisibleLunarEclipse
Enlil's Official Story
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Registered: 10/31/04
Posts: 21,407
Loc: Building 7
Re: Student Loan Issues [Re: Mojo]
    #23496878 - 07/31/16 08:12 PM (7 years, 5 months ago)

Quote:

Mojo said:
I think the tides are turning.  I recently read an article about the first community college I attended and they are closing down one of their satellite campuses because student enrollment has decreased by 35% since 2011, in fact over that same period college enrollment has declined across the USA, though not so drastically.  I think this generation witnessed a sort of college bubble.  Brought on, NOT by greed alone, but a generation of kids that were raised to believe that trade jobs or "laborers" were not respectable professions. I don't think this perception can last; America has a crumbling infrastructure and no one to rebuild it.  We will eventually see a push for young people to enter into trades instead to college, the country doesn't have a choice.

With that said, vocational education isn't free.  And with the economic machine moving ever forward, who knows what "brilliant" business  could be developed to suck as much money as possible out the future demand for trades (*Think APOLLO Group..)...  At that point maybe it will be best to go to college.  When society tells you to swing, the appropriate action is to duck...

A college education can still be valuable, mine was.  I would encourage any young shroomrite thinking about college to use common sense and think about whether your proposed college education is a prerequisite to a real life job, and make sure you want it enough to see it through; because worthwhile college degrees tend to be challenging; and going into debt for an education you don't finish is perhaps the most foolish money blunder you will ever make.  Not to be hard on the OP, in fact you got out easy with only $7000 of debt to reckon with, which is an easily manageable sum.  But some aren't so fortunate, ending up with over ten times that amount...




It's funny, as I really shouldn't be working at all, but I just love laboring.  Moving wood, digging holes, hauling trash.  The more menial, the better.  Fuck my back is strong now.  My grip is strong.  I can pick up shit by the end and hold it into space and move it around at the dump like I want to.  Breathe that dump dust there is nothing like it.  And the flies.  So lovely.  But that's the downside.  The upside is strength.  Big rounds of oak just lean over and grab them and lift and move and stack.  Work up a sweat.  I don't know, I'm an unusual person who likes to work, and work a lot.


--------------------
Anxiety is what you make it.


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InvisibleRockyRaccoon
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Registered: 06/17/13
Posts: 4,645
Loc: tromaville
Re: Student Loan Issues [Re: LunarEclipse]
    #23500058 - 08/01/16 09:28 PM (7 years, 5 months ago)

I am right there with you. I cut, hauled and split and stacked firewood every summer for years. Loved it. And its another excuse to get out in the woods!

(Derail) :grin:


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OfflineBrian Jones
Club 27
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Registered: 12/18/12
Posts: 12,342
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Re: Student Loan Issues [Re: demiu5]
    #23578893 - 08/26/16 08:12 AM (7 years, 5 months ago)

Quote:

demiu5 said:
Quote:

RockyRaccoon said:
I have about $7000 worth of student loans. I have recently started paying it all back, and filled out the form necessary for the government to choose a payment amount for me based on my income and monthly expenses.

Their response to me (after I filled out the expenses form) states that if I make 9 monthly payments, my monthly payment amount may substantially increase... I am supposed to return the form with my signature agreeing to the terms... But I don't agree with them!

My payment is already $150 per month... A substantial increase could really hurt me, as I am not a rich man or even close. My job does not pay that much.


What can I do to pay back my loans without agreeing to the terms and getting my wages garnished?

Any help will be greatly appreciated.

-RR







legitimate question....is it too late to just default?  and are you young enough to bounce back from that kind of a hit to your credit?  is it 7k in principle, or principle + interest combined?




    As far as I know you can't default on student loan debt and just take the hit to your credit rating. (If the law has changed, correct me if I'm wrong). Even bankruptcy can't erase student loan or child support debt.


--------------------
"The Rolling Stones will break up over Brian Jones' dead body"    John Lennon

I don't want no commies in my car. No Christians either.

The worst thing about corruption is that it works so well,


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Offlinekrozar
Stranger
Registered: 09/02/16
Posts: 2
Last seen: 7 years, 4 months
Re: Student Loan Issues [Re: Brian Jones]
    #23605337 - 09/02/16 04:32 PM (7 years, 4 months ago)

They garnish my wages. They will garnish 15% of "disposable" income (post-tax and deductions). I also don't get income tax back. Repayment plans are pricey for me. I have about $36,000 in total.


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OnlineLogicaL ChaosM
Ascension Energy & Alien UFOs
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Folding@home Statistics
Registered: 05/12/07
Posts: 69,363
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Re: Student Loan Issues [Re: RockyRaccoon]
    #23605810 - 09/02/16 07:10 PM (7 years, 4 months ago)

Quote:

RockyRaccoon said:
No, I sort of recklessly dropped out with no communication with the loan people for years.




Its possible your loan went into collections since u neglected it for years.

The worst thing u can do is neglect paying back an expensive loan. Thats why they are garnishing your wages i would guess.

Next time dont forget about your debt, contact is essential to avoiding collections. Even if u just tell them i cant pay anything right now communication is essential.


--------------------
"What you must understand is that your physical dimension affects everyone in the higher dimensions as well. All things are interconnected. All things are One. Therefore, if one dimension is broken or out of balance, then all other dimensions will experience repercussions." - Pleiadian Prophecy 2020 The New Golden Age by James Carwin

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Offlinejngy2k
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I'm a teapot


Registered: 08/29/16
Posts: 27
Last seen: 2 years, 8 months
Re: Student Loan Issues [Re: LogicaL Chaos]
    #23606791 - 09/03/16 01:31 AM (7 years, 4 months ago)

Student loans will affect you for the rest of your life. Paying minimal amounts will prolong the debt because interest accruals on the debt. There is an option for loan deferment or forbearance. It may help you estalish some equity and prevent the interest from stacking up.


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