"I'm a dumb nigger, plz rescue me. wypipo b racist n shiet"

>My income is not reliable right now. I’ve got a family. So it’s myself, my wife, and our new baby, and my wife has twins. They’re 13. >So when I found out about loan stuff, I was like, “Oh, OK. I’ll just take out a little bit, and that will cover my books, and I’ll be able to get a computer.” Toward the end of my undergrad, I probably had about $7,000 in student loans. >I started the doctorate, and I wasn’t paying attention to the cost of it at all. I was still working. Halfway through, I reached the point where I was really, really done with Nebraska. I was always in PWIs [predominantly white institutions]. At first you don’t really recognize that stuff, but then people say things like, “You don’t have any hair.” No, I have a fade. But they don’t know what a fade is.>When I finished the online doctorate in 2015, my total student loans were probably around $100,000. Now, my loan’s gotten up to $163,718.20. I haven’t been able to find opportunities that would equate to what this doctorate’s supposed to be about,

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Other urls found in this thread:

slate.com/business/2020/07/debt-nation-student-loans-arthur-stallworth.html
studentaid.gov/manage-loans/repayment/plans/income-driven/

>>268594876>I took the bait without doing any researchFUCK liberals.

>>268594876>I had to take out a loan from my retirement in order to pay for our wedding. We weren’t planning on more children then. But as time was going on, of course we started to want that. >So I get my wife to co-sign and then find out that she had bankruptcy that she didn’t tell me about. Clearly I love my wife. We’re together, right? But this was the one and only time she’s ever misled me. She didn’t lie or anything like that, but she just never mentioned it. She was afraid she could lose me with something like that. With my wife’s bankruptcy and my student loan amount, it’s been hard.>Frustration would be the No. 1 emotion I feel about my debt. I guess after 20 to 25 years [on income-based repayment], then it gets forgiven. But when it’s forgiven, it gets added to your gross income, and then you end up getting taxed on it. I think I’m never going to pay it off.

>>268594876>160k in student debthow did he pull that fucking off. That's fucking Harvard-tier prices per year.

>>268595099>So I get my wife to co-sign and then find out that she had bankruptcy that she didn’t tell me about. Clearly I love my wife. We’re together, right? But this was the one and only time she’s ever misled me. She didn’t lie or anything like that, but she just never mentioned it. She was afraid she could lose me with something like that. With my wife’s bankruptcy and my student loan amount, it’s been hard.Many such cases. Poor guy, he's dumb for falling for student loans, but the wife's bankruptcy ain't something he signed up for.

I think the fair way to handle this is to execute university administrators and anyone who holds more than 100k in student loans.

>>268594876Fuck i love seeing people in crippling student loan debt with no chance of paying it off

>>268595348>Toward the end of my undergrad, I probably had about $7,000 in student loans>When I finished the online doctorate in 2015, my total student loans were probably around $100,000. Now, my loan’s gotten up to $163,718.20nigger deserves his slaverythis is some next level retard shit that needs to leave the gene pool

>>268595348he was probably an out of state student or got hustled by a diploma millif anything his financial education failed him and not the 'white people'

>>268595761no he got thrown into continued nigger slavery as it should be. his debt should pass down onto his children

>student loans>online doctorate>haven’t been able to find opportunities that would equate to what this doctorate’s supposed to be about>$160,000kek what the fuck

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>>268594876>I was done with Nebraska because white people asked about my fadeI don't even know why I get surprised anymore

>>268594876Literally just get on IBR. You can still buy a house.

>>268594876>literally "FUCK WHITE PEOPLE" "WHITE PEOPLE PLEASE HELP"I hope he drowns in it.

>>268595099>But when it’s forgiven, it gets added to your gross income, and then you end up getting taxed on it.Then you declare bankruptcy on that and it goes bye bye.It's not hard and grads should stop complaining.

slate.com/business/2020/07/debt-nation-student-loans-arthur-stallworth.html

>>268595902This is actually fairly normal now. There's just no jobs outside Walmart anymore.

Niggers be straight up gangsta now with that anxiety. >I'm literally shaking

>>268595348That's a pretty normal amount.

>>268594876I make $6,000 a year (or did, anyway, before covid). I have no phone, can't afford one. No car, same. Buy cheap produce, like 2 lbs rice/flour at the dollar store, beans, fresh veg (surprisingly cheap if you shop around).You know what else I don't have? One cent of debt. Because I can do math, and I'm not retarded.

>>268595627There's a difference between a 30yo tard who got misled when he was 18 on the usefulness of his English degree and some niggerfaggot who "didn't pay attention" to the massive costs of a PHD. There's the fact he already has a BS and an MS and doesn't talk about denbts there, so most likely he got a free ride for being a nigger.

>>268594876If he can't even count what the hell "doctorate" even means in your country?

>>268596165I move here ten years ago from the midwest and its pretty nice other than the Australians visceral hate for my accent

>>268594876Jesus fucking christ imagine doing a phd program where they don't waive tuition and they don't pay you to be there

>>268594876>impeading ability to buy a homeThe fuck? No it doesn't. Get on fucking Income Based Repayment.

>>268596165The are literally jobs everywhere. Every single business is full of jobs. Every office building and factory and store and farm and fucking snow cone hut is jobs.

>>268595613The fair way is to make the debt payable directly to the university, with students not responsible for the debt unless they have a job that can actually support themselves with the idea that the university takes direct responsibility for getting them the experience they need and convincing corporations to hire students directly from universities, like they way they do it in Japan. By doing it like the UK (income-based repayment) they make it so universities are up shit creek if they're just letting random nigs in that will never pay them back and never graduate.

>>268596351who needs a useless nigger?

>>268595902It's about to get worse. Most colleges are going online due to Covid. You really think all of these institutions are going to charge the same for online as they do in person? You're going to see a HUGE increase in people with the same degree for a fraction of the price in the next 4 years. Effectively crippling those who had to pay in full.

>>268594876>they dont know my nigger hairstyle!!!>i'm so oppressed guise!all so tiresome

>>268594876This guy has a doctorate, yet still a complete retard on personal finance?Whats his shitty phd about?...fucking hate all these idiots with doctorate degrees, phd's aren't worth shit anymore it seems.

>>268596456The reason why this problem will never be fixed is because it's designed to let people the OP guy into school. If there was actual risk involved for anybody but the student, they simply wouldn't give loans to most people and then they'd be crying racism and begging for this broken system back. As long as we are concerned about racism, sexism, etc. These problems won't be solved.

>>268596653>You really think all of these institutions are going to charge the same for online as they do in person?They almost certainly will

>>268595957I have to call bullshit on that part. Bald people are everywhere, and I've never seen anyone anywhere have the confused reaction, "yOu doN't hAvE anY HaiR???"

College should be free as long as you study a profitable career. An Educated populace = a stronger economy, less wlefare.Would you rather give someone $100k to go to college, have him pay it back within 10 years of taxes or less, or pay someone $600k across his lifetime becuase you hate them.

>>268595902>phd in african gender philosophy

>>268596428Not skilled ones that pay a living wage.>>268596456Bingo. ALL of it should be IBR.>>268596843I'm in academia. They most DEFINITELY will.

>>268596803Rationality != cognitive capacity. It just seems like it does, because the two are usually needed to become successful in life. Sometimes the low rationality ones slip through and they become homeless or have debt.

>>268596456>in order to fix student loan problem we should>make students not responsible for the debtInsane tier burger nonsense. How do you even breathe?

>>268596456MOOCs are gonna destroy most universities as we know them.

>>268594876I don't get why get a doctorate if you're not paying attention to its' cost? >Hmm I already graduated and working, better sign up for a doctorate ignoring the cost of getting one10/10 based doctorate man

tfw actually niggers stole fades from whites

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>>268596887The problem is 90% of these retards who go into massive debt do it for worthless social "sciences" degrees that are of no benefit to society.I'd agree with you if we were talking about STEM, but generally the people smart enough to get those degrees are also smart enough to budget and get through school with minimal debt. Plus they can tend to actually get good paying jobs out of school to repay their debt.

>>268597035>Sometimes the low rationality ones slip throughI dont know about that...cause I keep seeing more and more retard tier people getting ((phd's))...to be sincere, a lot of them were diversity quotas, or degrees on bs fields.

>>268596428Many places will not hire you if you're overqualified because you'll get the training then demand more money since you have a degree higher than most

>>268596803If someone has to pay for their phd program, they probably are retarded. Actual docotoral level scholars will be picked up by real departments at R01s that will cover tuition, wages, and health.

>>268597094This is literally how the UK does it and it works fine. If universities want to be fucking retarded and have 90% admission rates purely to suck people dry and give them degrees that aren't worth the paper they're printed on then they can take the hit when their mass produced niggers with Gender Studies degrees can't pay them back.The universities, banks and corporations should fail, the current system parasites off the average working taxpayer to funnel money right into some rich jew's pockets.

My college was 45k for the whole thing. how the fuck are you racking up that much debt? just not paying anything for months

>>268597035>>268596887>>268596803>>268596653>>268596456>>268596351>>268596312>>268596271>>268596106>>268596075>>268595980>>268595902>>268595761>>268595730>>268595613Ok, you all clearly have no idea what student debt is like, so I'll clue you in. As someone with MORE student debt than him, its not effected my life in any way.Income. Based. Motherfucking Repayment. Get on it, and stop bitching. You can buy a house, you can get a business loan, you can get a car, whatever because you say "hey, only 10% of my income goes to this". After 20 years its GONE. When they tax you, either get on a payment plan or declare bankruptcy and give everyone the middle finger or whatever.It's not a death sentence. Stop bitching. I pay it. It's not hard. It's the easiest kind of debt. If you make below a certain amount you pay NOTHING. with ZERO problems to your credit score.

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>>268594876>and I bet he blames whites instead of (((whites)))

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>>268594876>but then people say things like, “You don’t have any hair.” No, I have a fade. But they don’t know what a fade is.balding cope

Niggers wanted to be just like middle class white people. Congratulations, you made it! Now you can enjoy all the financial anxiety that comes along with it.

>>268597257Because some people will do anything for their dream job and its REALLY easy to cheat the system.

Doctorates don't equate to financial success and they honestly shouldn't. Leave academia to the academics instead of trying to make money out of it faggot.

>>268597703Seriously. Student debt is basically a tax for entering the middle class.

>>268594876>taking out loans to go to grad schoolif you can't get your graduate education funded, YOU SHOULDN'T BE IN GRAD SCHOOL

>>268597531I don't have debts and if I got a second degree/master's degree I would expunge the debt either using my savings or joining the military as a ranking officer and getting a free ride.

>>268595348There's a lot of retards out there that ahve no business geting a PhD but get put in the treadmill anyway for the $$$. Instead of taking 3 years, it takes them twice as much with constant extensions and piling up of debt.

>>268597773The academics DO make nothing, its administration who has $500k salaries.

>>268597531>what is compound interest>what is student loans can't be discharged in bankruptcy

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>>268597773True and almost checked..

>>268597868That's another option. Seriously, take your pick, whatever works for you. There's no debtors prison. Chase your dreams and do the best you can to pay it. If you fail, they can't get blood from a stone.The fuck in the article should go buy a house and get on IBR, or be a military officer.

>>268596803Probably Education. Have you ever noticed all the niggers who call themselves Doctor all have PhDs in Education? They must give them out in Happy Meals.

>>268597475Depends on when you went to university. For example, tuition rose 50% from 2010 to 2020. So if it was 300 a credit in 2010, now it would be 450 a credit. This means overall in a 120 credit program you'd spend 54000 on credits alone. An estimated 6000 would be books. Then universities often force freshmen to live on campus, which with meal plans would be another 10k. So the cheapest for the full shebenis would be like 70k or 100k if you lived on campus for 4 years in 2020. Universities also require everyone to have health insurance, so if you're under 26 and not on mom's health plan then that would be another 12k over 4 years. Then the credit cost increases year by year, so if you're not taking summer credits to graduate in 3 years you're going to get fugged.However someone brought up online credits- the reality is that without memeshit like living on campus or using a campus health plan, you cut out 45% of the overall cost.

>>268597460Isn't UK education as SJW infested as the US one?

>>268595099they're slaveseconomic slaveryEveryone else is next. yay!

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>>268597964>what is reading comprehension Fucking moron.There are people who have it balloon to half a million. Get what? No matter how high it gets, in 20 years, that number goes to zero. That's the contract. If you don't make enough money, they don't get their money back. Yes, you get taxed on that "forgiveness" but guess what? You CAN declare bankruptcy on tax debt

>>268597531no, retards should pay their expected dues. allow bankruptcy because fuck ((((indentured servitude)))) but not before 10 years. >>268597964>After 20 years its GONEhe's a faggot and thinks this is realmentality only serves (((them)))

>>268597923I graduated around the 08 recession and so many of my peers were talking about going for a masters just because they couldn't find a job and didn't know what else to do, plus they thought more schooling more make them more marketable I guess. Fuck that noise, in general your earning potential is going to be higher spending 4 years in the workforce and gaining real world experience than spending 4 more years in school. People are idiots.

>>268595348He went to Devry

>>268596803He has an EdD, which is a complete shit degree.

>>268594876This story is full of implied costs he doesn't mention.>I got tired of inexpensively living in Nebraska because someone didn't appreciate my cool haircut so I moved to San Francisco, transferred to Vanityphd.com, and completed my trans-studies degree remotely. Also, this process began in 1995 and I graduated in 2018.

>>268594876>My income is not reliable right now. I’ve got a familyStopped reading there.Why do people do this?

>>268596887If everyone gets a university degree, then all degrees become worthless. It's the scarcity that makes them valuable. When everyone has one, they're worth minimum wage.

>>268598299I agree they should be able to declare bankruptcy but if 10% of your income is "indentured servitude" then all income tax is. But even then, in 20 years your payments are done.

>>268594876Imagine how much he wanted Bermiyto win.

>>268594876>I’m educated but I no reads the good print. .> not my faultTypical

>>268597964The loan goes away. There is no longer a loan to be discharged on bankruptcy.

>>268594876>When I finished the online doctorate in 2015,>I haven’t been able to find opportunities that would equate to what this doctorate’s supposed to be about,So this jogger got his doctorate from an online college and he's surprised no University or company will take him seriously?

>>268598568How so, fag? Don't tell me you're one of those retards I was referring to.

>>268595099Loan for a wedding lmao ??Is that not single handedly the most retarded shit I have ever fucking heard

Student loan forgiveness is a thing. All you have to do, literally the only fucking thing required is: defer your payments while working in public service for 10 years.

>>268595627Exactly. Any mf can get a job, but it takes a special kind of stupid to earn a whole bunch of college debt only to get a minimum wage job then claim its whiteys fault and capitalism has failed

>>268598257I think Anglo countries in general have memeshit like Feminist History and stuff like that, but the UK and Scotland in particular have less retarded systems regarding university. It's worth noting that American education is affordable due to higher than average salaries, but a lot of people are dumb as fuck and since the system is more and more convoluted with time it can be said the REAL university is figuring out how you're going to pay for your degree, with the degree itself being what separates perpetual debtslaves from normal people.

>>268594876>online phdSheesh, this sounds worthless.

>>268598658You’re an idiot. Student debt can not be discharged by bankruptcy. The adults are talking. Go eat jello, retard.

>>268598330Yeah but if you're the 30yo boomer that goes back for a masters then you get to hit on 20yo girls and then things become worth it.

>>26859873699% are rejected and the ammount forgiven is so tiny its worthless

>>268594876Play stupid games get stupid prizes. Hey goy wanna live beyond your means just get a degree dont worry about that interest rate or that silly thing that says you can't even die to get out of this loan just sign and smile

>>268598719My wife and I just had a potluck wedding so we could save our money for a house.Yeah I guess our peers considered us poor but I don't give a shit, I own a house and they don't.

>>268597364STEM is already overflooded and no not all people get good paying jobs out of college. I've heard of engineers in debt and can't find jobs. Not all stem jobs pay well either. Companies also rather hire some chinese or indian immigrant willing to work for close to free.

>>268595348Dat online doctorate yo, it be maaad esspensive doe but it worf it doe

>>268595099The poor children are literally born poor. We need a worthwhile eugenics program for people without property.

>>268598499>then all income tax isdon't tease me anonbut loan agreements should be allowed regardless of ability to repay and able to be be rejected based on major/job prospects no one goes into 500k electrical engineering debt without ending up a multimillionaire. people on both sides of that idea know how to evaluate risk. cap student loan rates, allow bankruptcy after 10 years, win-win. no faggot ass degrees get funded, college's ROI is once again a good thing to consider

>>268598850Holy fucking shit retard, Im not talking about bankruptcy. On IBR it is ERASED after 20 years of paying 10% of your income. That forgiven amount is taxes as income. If you can't pay that (you won't). You declare bankruptcy on THAT. You're probably too dumb to read this but here you go if you don't believe me studentaid.gov/manage-loans/repayment/plans/income-driven/

>>268596351 My wife is thinking about doing this... she has a masters degree in linguistics or some bull shit, she's currently a high school teacher thinking about getting her doctorate so she can be a college professor because she's tired of teaching nigger teens in HS... i make more money than her and have a high school education... i started working in warehouses and eventually got promoted to supervisor and then manager at a major online retailer... most of my colleagues have at least bachelors degrees and a few have also masters... tl;dr...How do I convince my wife not to fall for the higher education meme for the 3rd time and cause me debt ill have to pay later on...???

>>268599037I'm not disagreeing with you. People should absolutely be and to declare bankruptcy. All loans should be income based, beause itll make colleges think twice about accepting just whoever the fuck.

>>268594876>167k in student debtShouldn’t have spent those 8 years in college

>>268594876Meh all student debt should be dischargeable in bankruptcy to destroy the current paradigm of overbloated institutions preying on people in general. If any survive the adjustment then we can talk about putting things back reasonable higher education into place.

>>268594876Lol, only a fucking idiot would do an inter-sectional transgendered underwater basket weaving PHD from Harvard.

>>268594876I love how these niggers just keep making shit up, now PWI is supposed to mean something other than he is a dumb nigger? PWI, as if that was bad, and yet he still complains. THEY WUZ HOLDIN HIS FADE DOWN N SHIETTT DINDU NUFFIN

>>268598488Not everyone will want to go to college, theres different careers imbecile. Your argument is literally why Liberalism exists, you gate keep progress because "house prices will go down!", "career will be worthless, because more competition!"Just shut the fuck up.

>>268595099Let me guess, he’s a socialist.

>>268594876Especially since that stupid nigger probably got an affirmative action PhD like that other nigger with a PhD in ''agriculture and technology'' tryna grow plants on cardboard.

>>268599205>All loans should be income basedsoft disagree>beause itll make colleges think twice about accepting just whoever the fuck.because i like this reasoning, but (((bankers))) will front the loan and dictate the terms. capping interest rates and terms is how you limit the availability of majors eligible for a loan. delete basket weaving.

>>268594876>''I just recently had to trade my Mustang in''Imagine being such a stupid nigger you think you can afford a mustang as a student parent with 3 nogs and another bankrupted nogeress.

>>268594876If the Jew gains entry to any system, the Jew will wreak havoc and destroy. It isn't even intentional behavior, the Jew must do what the Jew does.

>>268594876Has anyone noticed that in the list of worst things black people have ever experienced, that "dey said sumfin bout my hurr" is always number fucking one on the list. Kill all the black people but lord help us all if someone asks them about their hair while it happens

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>>268595099>of course degeneracy is prime action

>>268594876>i got a phd and can't find work!!>damn dude thats rough. whats your phd in? electrical engineering? microbiology? string theory?>nah dawg my online phd is in zimbawean bongos and my thesis proved that icebergs are racisthow the fuck do you not notice that you are 100k in debt. my alarm bells start to go off when ive got a couple hundy sitting on my CC, long before i even owe a payment

>>268599386Giving a degree to every retard isn't progress. They should only be available to people who can afford them and who are intelligent enough to legitimately earn them instead of poor diversity types. Relax, there will always be plenty of menial labor work for people like you.

>>268594876>At first you don’t really recognize that stuff, but then people say things like, “You don’t have any hair.” No, I have a fade. But they don’t know what a fade is.The things niggers get offended by lmao

>>268599408No you are wrong. Socialism is a nazi concept. They are they/them, bisexual, half queer, anti-anti-anti-Trump, Pozz lover, lady Macbeth progressive woke people who wants freedom from chains of Capitalism.

>>268595099>She was afraid she could lose me with something like thatyeppers

>>268594876He's correct in identifying usury as a problem but fails to notice the true culprits.These people can be our allies Holla Forums. It just takes a single step.

>>268595627Agreed. I don't care if somebody takes a PhD in Niggeronomy, The university admins deserve the gas. And the bankers get the camps in any case, student loans are just another reason.

>>268595348"online" doctorate lol. Guessing in ebonics studies.

>>268599166It's not easy to get a college professorship. And while she works her way there, she could be making an absolute pittance as an assistant or adjunct professor. Also, she may be stuck wondering from term to term whether they'll actually have classes for her to teach.My friend instead got a Masters in Education from an extension school and later some additional certificate in education admin (or something like) through a summer program. She teaches at an excellent private school, which her kids attend for free. (Which probably works out to 50k+ per year in addition to a decent salary.)Don't take my word for it, though. Explore her options, figure out which she prefers, and then ask people who are already in those positions exactly how they got there. If you're actively helping, you can steer her away from an expensive mess and she'll feel like you're supporting her all the while.

>>268600350Oops, replied to wrong comment. Intended for>>268595613

>>268594876>$163,718 debt>"I have a Master's Degree in Lesbian-American studies."

>>268600060You're literally WHITE trash, you are the reason this country is TRASH. >inhibit mexicans for 100 years>mexicans are poor and welfare abusers!>inhibit blacsk for 300 yaers>blacks are poor and welfare abusers!You're literally the cancer that needs to be eradicated.

>>268594876What a faggot, gave up basically a free ride to do a Biomedical STEM PhD and paid $100,00 for a Education PhD? That's the most retarded thing I've heard. Just finish your degree even if you hate it and go into another field. I'm currently doing a Biomedical STEM PhD and haven't paid for anything out of pocket. Shit I got paid to do research basically. It ain't much, but I'm not racking up $100,000 in debt.

>>268599166>How do I convince my wife not to fall for the higher education meme for the 3rd time and cause me debt ill have to pay later on...???make her do a degree worth a shit, don't fall for higher ed that's going into academia these days, just not enough jobs to go around.

>>268599011> worf itApparently not

>>268600695>>268599386

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>>268594876>my loans were 100k in 2015>163k now>household income of 125kno fucking sympathy I hope his dreams forever go unfulfilled. What is this dude spending on? That haircut that lets everyone know you're retarded? He could have just gotten a sign like Chris Chan and saved $50 a month right there

>>268594876all student loans within the past 10-15 years should be zero'd out or made payable by the trash degree mills that issued them. seriously everyone blames the victims in these cases but barely anyone ever blames the perpetrators which are the college even so called non profits

>>268600957It's some fake bullshit he made up because he found out he was too much of a dumb nigger to actually finish a real degree

>>268599854Gah, love you right-brained artistic types, but you could sure stand to learn to spell.

>>268594876>Toward the end of my undergrad, I probably had about $7,000 in student loans. Why did he not work to cover for his masteral & doctorate?I seriously dont have a clue why would anyone have a debt of $160k just by studying.Didnt they learn any fucking math for their entire educational years?

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>>268600695Inhibited? I'm so sorry you think whites reached into your world and messed it up, like we'd give a shit.

>>268597094would you make a horse responsible for a debt? A pig? A fucking chicken? these affirmative action admissions are a fucking joke, these students are just barely self aware and the university should absolutely take all the heat and financial responsibility for them.

>>268600368Bro.. i keep trying to convince her with her brains and education she could kill it in the private sector...I have a feeling with all this covid19 bullshit, there's going to be major reforms and changes coming to the education system soon... with everyone being able to do online now, pretty soon there's going to be private educators/institutions and schools that are more efficient and can give parents and state better results at a fraction of the cost...

>42K in debt after out of state undergrad, graduate, and year abroad program>cushy government job not only pays well, my degrees get me to start at a higher pay grade, automatic promotions, and government will help me repay my loansNo sympathy for idiots who take out debt and have no idea how to make it work for them.

>>268594876>$125k income and living paycheck to paycheckHow can even a nigger be this bad with money?

>>268598888checked

>>268598488>If everyone gets a university degree, then all degrees become worthless. It's the scarcity that makes them valuable. When everyone has one, they're worth minimum wage.You're clearly a moron with a shit degree. Not everyone can do STEM. I know people in their 30's that can't pass high school algebra. Clearly they cannot hack a STEM degree, and really STEM is the only reason to go to college. And even at that the only reason is for the lab spaces. Literally every other degree, and to be fair a majority of a STEM education, can be done at home.I think this new nano and micro degree craze will reduce the college burden, sine it is just a new form of tech school.The other issue, which you play in to, is assuming a college degree is some sort of job ticket. It is really shitty, but it's reality. Having more people educated is not a bad idea, at all. One of the reasons other Eastern countries beat us is because they force their youth to go to school. You cna blame minorities too, which I will not rule out, but having them uneducated is just throwing gasoline onto their genetic equivalent of a tire fie.Long story short, u a dum dum and suk pp

I wonder what PhD he has. And if it was something wierd then why didn't he just stay at the university?You are good literature or translation from ancient greek or latin, then become a professor, write a book or two each year and live out of that.

>>268601978I would like to see you become a surgeon of any kind online or at home. Or finish bio chemistry at even bachalarius level, without your parents having 400k $ of lab stuff at home.

>>268596082Getting tax debt discharged in bankruptcy is generally difficult. There are very few scenarios where it just "goes bye bye", and you declaring bankruptcy to try to avoid paying the most recent year's taxes is not one of them.

>>268594876>I was always in PWIs [predominantly white institutions]. At first you don’t really recognize that stuff, but then people say things like, “You don’t have any hair.” No, I have a fade. But they don’t know what a fade is.what a ghastly experience for him!

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>>268602263Oh hey the drunk retard enters the fray. I clearly said STEM needs to be done on campus for the labs. Try putting down the bottle so you can see more than half the screen.

>>268601978>You're clearly a moron with a shit degree. Not everyone can do STEMNo but everyone can have a STEM degree. And that's what he's talking about. When everyone has the degree, the degree is worthless. And you know that whatever degree you have, that was hard to work for 1 year ago or 30 years ago, will be given out soon to literally anyone. You know that's gonna happen.

>>268594876how is it even possible to be in that much debt? There's so many scholarships and programs that vastly lower costs or outright eliminate them and minorities have many more scholarship opportunities than whites.

>>268596326we tried to warn you we are full

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>>268602560bio chemistry is not stem, neither is med school. STEM is only engineering, physics, math and releated stuff (like programing), regular chemistry.Bio chemistry, med school don't let you even try for grants ment for STEM. You have to go for the same pool as the grants for dance, history, law, geography etc go.

>>268602611>will be given out soon to literally anyone. You know that's gonna happen.I agree with you in that case. Free college could work if the standards are raised. If it was incredibly hard to get in, then I think free college would be fine.Honestly, college enrollment should be reduced by 60-70%.

>>268602828The S in STEM stands for Science you fucking mongoloid. Please tell me how biochemistry is not science. Is your type of biochemistry figuring out how much antifreeze you can mix with your vodka before losing your eyesight?Same goes for medicine. It is a scientific field, and I can only imagine the swiss cheese brain you have to say it is not a science field, seeing as you need a bachelor's in biology to get accepted to 99% of med schools, and the MCAT is almost entirely biology based.What retarded hocus pocus medicine is Poland practicing that it's not considered a science?

>>268598888When I was in college at 28 I was smashing an 18 year old. It was amazing.

>>268594876LOL yeah right, "I only took out enough for tuition and books."A 100k loan at 4% didn't get to 163k in 5 years even if it was deferred or in forbearance for a year. More like "Tuition and books is about 2300 a semester but the loan department offers 8400. Well...I do need a new laptop, and that futon is getting a little ratty so I could get a bedroom set, plus the new Madden is coming out, and I'm broke all the time so it'll be nice to treat myself to a fine restaurant just this once, $400 for a meal isn't *that* bad if I don't do it all the time, plus the new Nikes are out, I gotta look right when I go to the club. May as well get bottle service while I'm there." "Oh shit I'm broke, all I got is ramen for the last 6 weeks of the semester. Man, this 11 hour course load is kicking my ass, I can't do work-study or be up in no Starbucks slingin mocha lattes for some racis white bitch."

>>268596887I think recently Australia has removed subsidies for humanities and liberal art degrees so now people have to pay a more premium price. There was obviously a backlash and a twitter trend started asking people to say what valuable skills they learned with their degrees.Pretty much every tweet was "I learned to develop my synergistic communication skills and made some great friends." Governments should re-evaluate predicted in-demand jobs every 1-2 years and heavily subsidize those that reach a threshold of value.

>>268596653The fact is, the quality of education is better online.Instead of 100 students in a lecture hall getting educated by the world's best professor, millions can get it.The quality of the material on Coursera is better than what you get at the average university.

>>268598242Yeah, my school went from 330/HR to 400 by the time I graduated. They also tripled the cost of parking, went to a lot of digital only books that required a subscription, and were musing about adding another fee to tuition for the sake of financing a new gym. I commuted for 4 years going full time (couldn't do summers since I was paid on scholarships and grants that had yearly limits) and ended up with about 10k in debt which was partially due to some bad decisions like getting arrested and missing a midterm and a car accident, but I paid it all off within 6 months (without paying a cent of interest) since I got hired right out of undergrad.I felt bad for the kids going into school as I was graduating because it's only becoming more of a scam every year and the quality of education isn't worth the price. Now with the job market thoroughly fucked I know a lot of jobless alumni with 60k+ in debt that are laid off or taking pay cuts.If you've the body for it, I'd say the trades are more worth it than uni. Otherwise certifications or two year programs might be better value.

>>268594876>>268595627>ONE>HUNDRED>SIXTY>THOUUUUSAAAAANNNNDAAAAAAHHHHHHHHHHHHHHHHHHH

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>>268595730unfunded ONLINE doctorate. HAHHAHAHAHHAHAHHAHAHHAHAHAHHAHAHHAHAHAHHAHAHAHAAHHAHAAHHAHAHHAHAHAHAHAHAHAHHAHAHAHAHHAHA

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>>268599166Give her the hard truth. If she can't get into a fully funded program then it's not worth her time since the doctorate will be judged harshly for being from a shit unfunded department and she won't actually be able to get the job she wants. If she does get into a funded program then the department/PI takes care of tuition and will usually pay a not unreasonable stipend for five years.

>>268603511>Otherwise certifications or two year programs might be better value.Personally, I spent a few years at the CC getting an AAS in CS part time. Ended up clawing a ~$60k year job out of.Spent ~6mo and $10.99 on an AWS course on Udemy, then another $400 for the cert.That resulted in being paid over $100k.So, yeah, I would say that 2 year programs and certifications are worth it.

>>268595099what’s the big deal about his wife having gone bankrupt before that you’re nodding your heads over? why should she have to tell him? I did a bankruptcy a few years ago and I wouldn’t tell a girl. In a few years I can get a credit card and no one will ever know I filed onceanyone in their 20s should rack up as much debt as possible then file. I only regret that I didn’t buy more cool shit with my credit before filing lel

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>>268594876PhDs, contrary to popular belief, actively lower your employability, and do not increase your earning potential. They are meant for the autistic sons of elites to pursue autistic hobbies in extreme detail, not for the average shitskin to pursue social mobility.

>>268594876>Toward the end of my undergrad, I probably had about $7,000 in student loans.>white ppl didn’t understand his hair>When I finished the online doctorate in 2015, my total student loans were probably around $100,000.fucking what I feel like we missed a few steps there how did it go to $100k??

>>268595627I have a friend who racked up 300k in debt going to med school but he paid it off a couple years ago because he became a doctor not a gender studies blogger

Hey morons never sign a contract on the spot read it over in your own leisure and if you can't read or don't understand something call someone

>>268604375>PhDs, contrary to popular belief, actively lower your employabilityfor women they also lower their attractiveness. the more PhDs a woman has the faster I look for the door. guys who know will understand

>>268598330I graduated the same time. It fucking sucked. I had $40k in debt and worked an $11/hr call center job. My degree was in IT. I worked there for a year, lived with my parents, then eventually found a real job making $75 a year. Then jumped over to Germany since I had the right certs and experience to making €140k.

>>268599166Beat her.