Student loans

He asked what the worst that could happen. My answer is correct. That is the worst that can happen.

Learn to read.

I don't mean to slide anything important going on. I'm just anxious about this whole thing with my loans and my financial future.

Undoing all the Marxist damage and toxins from my life has been extremely difficult. I'm trying to weigh my options and plan my future.

Also, you can only get student loan deferment for a maximum of three years.

studentaid.ed.gov/sa/repay-loans/deferment-forbearance

Stop spreading disinfo.

Sorry, OP, your only recourse is to Beta Uprising.

Good point. I was describing what may usually happen. The worst (realistically) is you could be sued for the amount you owe, you lose in court, they get a judgment against you, they seize your bank account and the sheriff comes and auctions off everything you own beyond what is necessary for your subsistence.

The number one fear jews have is Whites existing in an alternate political and financial system than the one jews currently control. If you don't want to pay the loan back, don't pay it back.

Instead of taking out some mortgage, build your own home – even if that means it is smaller, simpler, more remotely located, and without luxuries. Seriously invest whatever money you do have in making your land physically produce what the jew wants you to work to buy.

Honestly?
not a whole lot, if you don't have a lot of assets then it's a waste of time to go after you for not paying off your loan
It'll mess up your credit score though

Also this, just go to grad school if you can't find work, there's a pretty good chance of getting it paid for
don't wait on it though, in less than 5 years masters degrees will be worth nothing

I was lucky enough that it seems my major is more versatile than I expected going in. I figured astrophysics would only be useful for either going on through grad studies into research, which is my goal, or as a way of convincing potential employers to hire me with an impressive-sounding education.
Apparently financial institutions value physics degrees though, for modelling and data managements skills. So if research doesn't pan out I may end up working for the (((banks))) which would at least help with my loans.

I don't see much use for a degree in anthropology though.

This. Noncompliance can be seen as an act of terrorism to the kikes even though it's a peaceful form of resistance. If more whites are non compliant this system will crash.

if hillary wins imo all whites go on a massive tax strike

(assuming there's still a country or a world in that case)

The only thing you can do with this type of degree AFAIK is work for a university teaching the same or "researching" within the field.
On a side note OP can you tell us a bit about it?
Is race just really a social construct?

You better have good grades, if so, might as well ride out school and go for a master's degree, that will temporarily halt you from having to pay your loans and accrue interest if they're subsidized.

You people are such fucking niggers. You didn't know how much this degree would cost/yr before you started? You didn't look up the salary of anthropology majors which was SHIT when you STARTED college? There are a half dozen major publications that list starting salaries. Did you not look at a single one of them?

Sure there are less jobs available now than ever but Liberal arts majors haven't been good paying jobs for at least 30 years. What made you think you would ever pay that back????

That being said, not paying back loans hurts kike bankers……..so on that front I would suggest not paying it back. You're credit will be fucked and I don't think it can be purged from your credit report as quickly as small collections type stuff.

Fuck em, don't pay it back. The System™ is due for a total collapse in the next few years anyway.

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One other thought for Holla Forums
Oldfag here I started college my tuition was $16/credit hour.
I could do a factory job for around $3/hour so one day working in the factory pretty much gave me one credit hour of tuition.
One summer of factory work would equal one year of tuition, room, board, and books.
Every time you worked in a factory it gave you that much incentive to grin away and finish school.
My point is and this really pisses me off for your generation if you can find a job now that one day of work will equal one credit hour of tuition.
WHY THE FUCK EVEN BOTHER GOING TO COLLEGE?
It is doubtful you could find any curriculum that would increase your earnings beyond what you are doing right now.

Remember if you ever complain about the niggers crashing the economy in 2008 by taking ridiculous home loans that you are no different than them.

...

Well the niggers got gamed by the jews and the govt on this one.
But they were stupid niggers and the jews did tell them don't be afraid your salary will naturally increase to keep up with your mortgage and a bunch of other happy shit.

That isn't a joke anymore
The whole economy is fucking absurd right now

You took out a student loan that is guaranteed by the tax payer in order to enrich a Marxist institution that left you in debt without any gain or benefit to yourself. That was pretty dumb. My advice is to immediately drop out. That extra 25k of debt you need to incur in order to finish your degree won't improve your situation since the degree itself is worthless so stop digging that hole. Also, DO NOT take professors' advice on this matter; they have none to give that's helpful. They don't live in the real world.

As for advice on how to get rid of this debt in a way that doesn't involve default, I believe king nigger added new repayment terms a few years ago that allow you to repay an amount that's based on a percentage of your income. If you make a little, you pay very little, or even none at all if you have no income (I think). After 20 years of payments, whatever debt you have leftover is written off and you're official done with the loan. (Note that some of these details may be off since I'm doing this from memory but it's the general gist of the terms).

As a PSA: If you're not studying computer science or engineering, or you haven't gotten a full-ride scholarship in a non-STEM field, you don't belong in college. DON'T FUCKING DO IT.

It's not just a matter of earnings, it's the fact that some jobs simply can't be done without several years of specialized training. The only problem is that not enough people pay attention to whether their desired job is one of them.
Maybe I could make plenty of money in a factory, but I would prefer a math-based career over operating factory equipment. And you don't leave high school able to solve a PDE.

Do you realize how overinflated tuition prices are in 2016? There is no chance in hell you could find a factory job that'll cover the ~550/credit hr you'll need for tuition in a non community college in this day and age. Hell, I wish I could find ANY JOB that paid 550/day starting.

These haven't been safe fields for a while now, they're better off than liberal arts, but h1b workers and outsourcing have done their job here

Read the work of Herbert Spencer on Social Darwinism.

The biggest wake up call for me was when I began to look at society as a organism.

I started to think of society as a lobster. Lobsters are biologically immortal. The values, virtues, culture, arts, mythos, and wonders remain immortal, as long as their is a record of it.

The only thing that kills a lobster is either a parasite or a disease. Multiculturalism and diversity are a disease, yet they are also symptom of a much greater parasite.

Stop for a moment and think. What if all societies on this planet were lobsters. The people within those societies were the cells of those lobsters. The improvements made by the people of these societies were the shells, each time a new improvement to the social order, a technological advancement, or something of great importance happens the Lobster moulds and sheds its shell, creating a bigger and stronger one.

Now imagine, that a diseased lobster, a malformed cancerous, and malice lobster unable of moulding or evolving, instead feeds off of and gets larger in size by feeding off of other lobsters.

These lobsters (Societies) that this cancerous malformed lobster (Kike) feeds off of, kills it slowly by sucking the life out of it and poisoning it. The poison forces the cells (Population) of the lobster to turn against the host (Society), and self-destruct.

The kike is the parasite that destroys all that it touches because it cannot do anything else, but destroy. It cannot sustain itself without feeding off of others.

The vast majority of degrees that are granted are non-quantitative and are thus useless as far as employment is concerned. It's good that you seek a math-based career but you're in the minority; the general rule doesn't apply to you.

Then it's best to do study those degree while incurring as little debt as possible. That means cheap schools + scholarships.

They've piled absolutely everyone into CS at a time where tech companies are doing mass layoffs due to no growth and replacing employees with H1Bs. Expect to see the biggest wage crash in US history within a couple years, followed by a full crash when all these students default on their huge debt incurred from attending lectures that were available for free online.

I majored in Literature in pre-grad and it translated incredibly well into a lucrative legal practice. Don't discount out of hand the Liberal Arts.

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That just depends on your career choice. I, for one, will always have a job so long as we have the 6th Amendment.

Education isn't just about money, you know.

The defense industry, which requires security clearances, doesn't hire H1bs. There are plenty of CS jobs available for Americans in this stable industry but they have problems hiring because all the eligible workers don't find the industry "sexy" and want to work at faceberg and twatter instead. On another note, if you don't suck at programming you can always find a job in this field, even today.

Unfortunately we live in a time where there are widespread movements that want to remove annoyances such as "mere amendments".

"Safe" as in you can reasonably make a connection to a person in the industry and come out with a job offer. If you did not network during undergrad, you are fucked. If you are studying for STEM, get an internship ASAP even if it's in a field you don't like or just for menial tasks like being the CAD bitch. Internships or industry connections are the bottom rung of the ladder. Entry level jobs won't even look your way without work experience. This is doubly true for industries in which you can hire a Pajeet remotely to do the work. If you're poor you can do 2 years at CC/JC and 2 years at university and come out with little to no debt.
-t. MechE NEET

I've noticed that the largest movements out there want to repeal the 2nd and the 19th, which - interestingly enough - utilizes the 1st to spread their movement.

There is nothing so powerful as truth, and often nothing so strange.

As much as you would like to think that this is how the world and business operates let me clue you in.
99% of all technical and engineering problems never involve even basic calculus.
You learn tons of math and stuff in school and you get out and realize that most of the time in engineering you write reports go to meetings and basically do a bunch of shit tier busy work.
In engineering there is only a very tiny portion of jobs that even acknowledge differential equations basically in control systems.
It is a good thing to learn but don't ever think your work will be consumed with it.

Yes user I totally realize this and it is why it pisses me off, it is also why I said why bother going to college.

Good goy, get into debt while enriching an institution hellbent on the destruction of western civilization while ultimately leaving the tax payer (white man) with the liability.

so you went to grad school…….kind of a different scenario

Your lack of education is obvious, friend.

College is for a degree that serves as proof you learned something. That's what you're paying for: proof you can hand to an employer. If you don't need proof but you're paying Jews $100k anyway then you're retarded as in the internet age almost everything you want to learn is available for free online and lab experience can be obtained free through internships.

So you want an education for education's sake. Here's the ultimate resource: read a book. Or two. Or a hundred. There, I just saved you and the tax payer $100,000 in debt/liabilities.

Apply for income-based repayment. They'll get 10-15% of your discretionary income and discharge them after 20 years.

Obama administration passed the IBR legislation July 1, 2009. The problem's been solved for awhile. https://
studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven

*income beyond discretionary. That is, what you make over poverty level.

Very few degrees offer that assurance. Most people are literally just paying Jews $100k for nothing.

San Francisco is sitting on the Dotcom Bubble 2.0 and it will pop if the chinks and street shitters ever learn to code. Trendy tech companies pay their trans-queer genderless otherkin employees $30 to sit around hacking out webdev JS faggotry for 2 hours a day while they roll around their $1M/month, cubicle-free loft offices on hoverboards. Right now Ching-Chong and Pajeet can't fizzbuzz their way out of a paper bag thanks to their publicly-funded conveyor-belt colleges being worse than useless. If that ever turns around, or if the new tech hubs in low-tax, low-CoL cities start growing, then the new-money Internet startups will shutter their doors and the shores around the Golden Gate bridge will be awash in the AIDS-contaminated wake of libertine corpses.

There are Pajeet contractors all over the defense industry and the hardware purchases in networking they make from the big two are coming almost exclusively from foreign labor.

haha holy shit it's like 300/credit hour at an in state now, and each class is 3-4 fucking credits
to all the faggots itt reprimanding people for not wanting to pay back loans, you're all a bunch of bluepilled scumfucks who still don't understand that shit like student loan debt and credit don't matter when you kill the people responsible for it. motherfuckers, when shit goes hot you best believe not only will they not give a fuck about collecting, but the people they try it on will be ready and waiting.

top kek not even "the taxpayer"? Your taxes go towards paying off the State's debt to the FED for printing the fucking money

Keep telling yourself lies to not feel like such a nigger for demanding gibs from responsible taxpayers.

"responsible taxpayers"
the only niggers are the people demeaning a bounty for printing the money, and of course they're kikes.
you're absolutely retarded if you think a collection agency is going to come for you because some gender studies major didn't pay their loans back

and let me reiterate once again that all of you stupid faggots worrying about people not paying their stuff back should be much more concerned about the fact that we have war on 3 fronts ready to take off within the next few months so fuck yourselves, you clearly have no idea what's coming

You've been devaluing my money, stealing my wealth, since that 20 year loan forgiveness bullshit passed. Who do you think "pays" for that? Does the debt magically vanish?

why don't you ask the moneylenders, goy. Blaming those who were cajoled and lied to is the mark of the idiot.

Why? I have 0 student loan debt, but I don't think anyone should pay theirs. The system needs to crumble.

Debt which was incurred via deficit spending. It's really just semantics at this point.

I've already offered this kid the orthodox solution. No one says a fucking thing, goes on having philosophical disagreements about hypothetical circumstances. This is a part of the right I can't stand; a lot of you act like the worst kind of dogmatists.

Yes, avoid college if at all possible. But most people I know were strongly compelled to do it, and it's had a predictable outcome. A system that has turned rotten for the majority of people cannot last, but you can count on it hanging long enough to make you wish you hadn't gotten involved in credentialism.

Embrace completing the Tytler Cycle if you must. It's already too late.

CompSci hasn't been safe since about 2010 and engineering hasn't been safe since at least 2012-2013. It's better to figure out what's available for you to get a job easily in as engineering sure as shit isn't.

I'm not too familiar with how credit hours and credits work at American universities. Can someone clarify what these measures mean?
At my university in Canada, each semester-long course is 0.5 credits and a full-year course is 1.0. A full year has 5.0 credits of courses. I have ~17-20 hours of class a week depending on specific courses, for 20-something weeks. I get charged a bit under $7000 a year. So that's less than $20 per lecture-hour.

this deserves a second response
oh yeah some random user you don't know is responsible for the devaluation of your wealth nigger my 20k loan debt is a drop in the bucket of the BILLIONS OF BILLIONS OF MANIPULATED CHILDREN'S DEBT.

no, there is no semantics involved student loan debt =/= money that you as the taxpayer have to make up. Our entire system is set to collapse because of it quite literally being monopoly money. do you also think that fixed unpaid mortgage loans in Wisconsin are going to be paid back by taxes on Union fees in Pennsylvania? Of course you don't.

GenX here. A friend of mine unwisely went to USC for a liberal art undergrad degree he didn't finish and took out 70k in loans. His bankruptcy didn't clear them, of course, and he can't get a loan of any type as his credit is ruined. I don't know if they're garnishing wages. Also they never stop hounding you by phone and mail.

Nothing, until the bubble pops obviously and you're screwed.

3/4 credit hours= 1 course.
Bachelors Degrees are 120 credit hours, with a full half of those hours occupied by mandatory liberal arts/writing/low level science/language etc. classes not even relevant to your fucking major.
Even with prepaid tuition in a state school I ended up 20k in the hole, and my prepaid was around 45k. It's an absolute fucking joke, a waste of time, and another way for the system to place chains their chains and acquire more indentured servants. It's not going to last though because we're going to burn this fucker down, if you look at the sheer amount of debt in various facets of taxable venues it's absolutely staggering how much money is owed. Our national debt is what, 19 trillion fucking dollars right now, why even bother paying money into a system that clearly has no way of rectifying the problem ever? Meanwhile, 550 billion dollar packages are given to fucking israel, 500 million for walls in jordan, 1.3 billion in ransom to Iran, etc. The rats will be jumping ship very soon, but we aren't going to let them.

Sooner or late we're going to have to get on with the process of rebuilding everything ourselves, practically from scratch. The sooner we stop begging for jobs, trust, and respect from the generation that sold us out to kikes the better off we'll be when it's finally time to fight out in the open. Forget learning because these fucks have nothing to teach you. Set a goal and achieve it without help. Our ancestors tamed the wilderness. We can at least feed ourselves without getting on our knees to do it.

CS is still a hot industry, but I agree not to incur too much debt for something that can be self-taught. My advice for those interested in CS and still want some sort of credential is to complete all the required math and CS courses required for a CS degree at a community college, and then finish the major courses at a local university WITHOUT TAKING ELECTIVES (just take the CS courses). On your resume, put that you completed "computer science track on [this date] at [this university]" rather than saying you completed the entire bachelors degree (because you didn't). This will give employers assurance that you have formal knowledge while at the same time you don't have to spend more money taking useless cultural marxist courses. It's a win-win.

Stop talking shit you retard

Same boat here, same major even. I even did internships and the students that required H1B visa sponsorships got hired over me despite having less overall qualifications than I do. You pretty much either need to be an immigrant or have extreme nepotism in order to land even an entry level job in the field and it's horrible.

Ironic how when I tried applying to a company in Canada, I was rejected because I would be taking away a job from a Canadian yet everyone else can walk in to the US and take our jobs from Americans no problem.

Easiest way to remember credits hours in America is the amount of classroom and lecture hours per week for a course. For example the typical class is 3 credit hours which is three hours of lectures a week which is typically 3x1hr or 2x1.5hr per week.

Keep in mind the typical load to be considered a full time student is 12-13 credit hours per week and for something like engineering and STEM in order to keep up with the curriculum you need to do about 16 credit hours per semester.

Most employers will just trash your resume if you don't have the bare minimum and they want to see the actual completed degree the majority of the time rather than an equivalent. Even in some Marxist as fuck universities it is possible to avoid 90% of the indoctrination just by picking the right courses.

So let me get this straight.
- Due only to "manipulation" you were unable to see that $100k for gender studies wasn't just a bad investment, but was such a huge debt that you'd not be able to pay it off.
- You say we'll take it out on the manipulative lenders but instead you're defending programs and methods that take it out on Americans.
- You've done fuck all about this for years while taxpayers have been being robbed to pay _your_ debt to those lenders but surely next year will be different.
- You believe you are not a nigger.
Maybe you're just literally retarded.

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All my engineering classes were 3 hours calculus and physics were 4 hours.
My point is I could make tuition at an ordinary job and today that is impossible.
This is one oldfag boomer that is totally pissed about this situation.
In a country like the US it should never happen.
When I was in college they made a big deal about the cost but FFS even poor kids could work enough to make it.

nigger not a single thing you just posted is correct, great fucking misrepresentation.
I'm not defending a single fucking program here, every last one needs to be glutted and culled. I personally have been out of school for a single year you disingenuous faggot so clearly I'm responsible for highway robbery of taxpayers paying for faggot degrees they never even went to school that has been ongoing for years now (which isn't happening and never will, why the absolute fuck do you still think your taxes go to some faggot going to UCLA or something)

you are incredibly dense.

i'm 100% serious here, the cost is still talked about but the universities, the teachers, the fucking parents, everyone tells you "just take out loans". I did it because I was a bluepilled little shit with no idea what to do after getting essentially kicked out of my house following high school, my parents were overjoyed at the thought of university and convinced me to take out loans. This is the scenario millions of students face, the education system k-12 hammers the idea of college as the next step for everyone, and schools are more than happy to make money off of all the loan money compensation and enrollments they receive.
Every single thing is corrupt and there solely to create a generation of slaves in everything but name.

The jew banks can't get money you don't have, run fast user and don't look back.

Have to be abolished.

Worldwide.

you become banned from participating in state acredited adult academia (not like that means much, I used to trespass and sit in on college classes in highschool, I even turned in assiegnments with my name on them that got graded with no questions asked, now everything is digital now though)

your jew score {(((credit score)))} will tank to nigger-tier

they will garnish your tax refunds

then they just take money out of your paycheck or bank account, whichever they can garnish first

In short, college is for the wealthy only, in order to ensure their class position. If you want to do something in life, join the military or write a successful piece of software on your own and build a company out of it.

Statistical studies that confirm education is a public good, showing approximately $6 ROI for every $1 spent, are propaganda. As a young person you should be averse to putting your fellow "taxpayers" at risk just for the false promise of growth.

After all, growth cannot continue indefinitely. So stop trying.

Rednecks have a point. You should never borrow money for intangibles.

Still, I'm not happy raising my kids to understand there is neither a need or a place for them in this country unless they're willing to die for Israel.

Here is something that I have been reading a little bit for the last couple years.
I am pretty sure he is an oldfag like me but he clued me in on a lot of what is going on in post HS education these days.

professorconfess.blogspot.com

This thread can be used as a reminder for you anons to LEARN A TRADE

just say government isnt the place, society still needs people

But when government won't take whites or racists, and corporations won't take anyone without the Kosher stamp we have problems. Soon they will automate on a large scale and then what? Agenda 21 depopulation, etc.

How does "society" differ from government, in terms of professional vocation, when corporations run the government/government is a corporation?

when you stop paricipating outside of what gets you arrested

It's mostly unsafe if you suck.

The programs are dumbed down quite a bit.
In the name of getting more students, Computer Science programs now tend to cover shit languages like ruby, maybe python if you're lucky. They teach you how to program, sure.

This is somewhat good in that a good programmer shouldn't only be proficient in a single language, but I often see programmers who aren't really proficient in ANY language as a result. Sure, they can do maintenance in a lot of them, but there is a definite ceiling in what they can accomplish that is lower than that of the peers older than them.

The compsci folks in my age range and older spent most of our college careers in C++, some Assembler, and Java. You typically STARTED in C++, and might take one course in a simpler language beforehand. We've all been able to learn new language in a month at other jobs in the past, and the time spent becoming really GREAT at those languages teaches us important lessons.

(Mostly, that you almost certainly don't know everything about the language you're writing in, heck if it's a big enough language (C and just about all of it's direct/indirect descendents qualify) you don't know shit about it. which is huge because it creates a level of arrogance where even giving someone a code sample to show how they fucked up isn't enough.)

But even worse, it almost feels like the people I see come in and out nowadays have spent so much time grasping the language for a given course that they do not have the same grasp of really important stuff. Sure, they all know what a linked list is. If I'm lucky, they can understand Big-O Notation. But implementing a fast sort or a hash? Actually debugging network communications problems? Understanding how to make shit that won't completely crap the bed in a real world usage even though it works fine under light load?

good luck with that.

The other problem aside from dumbing down of the programs (which makes you less valuable potentially) is the bit where people don't want to live where the work is, or don't want to do the work.

For the type of programming I do and where I live, I have recruiters emailing me almost daily with new opportunities that pay well when you consider cost of living. I only make what a junior to mid tier developer would get in California (I'm considered high tier), but an apartment is typically 1/3 to 1/4 the price of what I'd pay here.

There is a bigger problem in all of this, which is the push to use javascript hacks as developers thanks to node.js and similar technologies. It's an attempt to cut down the average salary of Developers, but it doesn't seem to be working the way people expected. They're realizing very quickly that they still wind up having to hire Java/C++/.NET folks to do anything they can't find a package for on NPM that is as easy to integrate as a geocities counter.

That's not to say there aren't good node devs out there. The problem is there's a huge gap between the few good node devs and all the JS hacks.

Again, the one plus side is it seems to have backfired in a number of places and demand for competent people is shooting back up.

They garnish your wages. You WILL pay it back goy or we will fuck you until we've had our fill.

Ohuhoy fucking vey!

Credit is a system to give people an arbitrary score to influence their behavior. It's basically one of the first examples of "gamification" - if people follow the rules, and more importantly take out the right amount of loans and make the right amount of money for the creditors - they get a good score. If they don't take out any loans, or take out too many, or don't pay them back, or in any other way lose money for the creditors, they get a bad score. Nobody wants a bad score, even if the actions that get you a bad score are financially the correct decisions at the moment. Basically, ZOG. Fuck credit.

All the shit about making school tuition free, or grad school being free when your program is funded, does not account for living expenses. Student loans are a problem because you need to take them to pay your bills while they busy you with anti-intellectual homework and periodic testing.

It is the design of the system of coursework that necessitates one's being removed from the workforce while in school. Incidentally, it also enforces habituation of those qualities which are desired among "workers."

It is a swindle. If you want knowledge, university is the last place to get it. You'll end up enslaved and looking back you will understand why things were just the way they are.

Noncompliance is the answer as others have said.
Don't pay your taxes, don't sign up for obongocare, don't use the fed's petrodollars, don't use any centralized payment institutions, and don't take apart in any .gov system.
Do use alphabay to make all prescription purchases, do outsource your medical care to spicland, do crack zionist bank accounts to sap off their usury, do take part in user cryptocurrencies such as BTC, XMR, SDR, and do aid any other non-compliers in crashing the system.

This. The only thing a CS degree is good for is the paper it's printed on. Myself and only a handful of CS majors in my class actually finished with the skills to enter the workforce; and most of that shit wasn't even taught in class.

The only thing I actually took away from 7 years at uni was the realization, too little and much too late, that the professional institutions of my society built and maintain their scientific, social, and political authority through a well managed system of lies by omission.

Professors are either collaborators or dupes who spend their entire lives engaged in lively debates about allowable subjects but still do not know "Truth."

In a sense we are all resigned to a similar fate, but for them it is as though a censor has come along beforehand and limited their access to the totality of available, relevant evidence. They are either comfortable with this situation, or bigoted in such a way as to only grant plausibility to information/sources sanctioned by the institution.

I'm a CS major, and I have always been fucking mystified by the lack of skill everyone else in my classes seems to exhibit. I started out trying to learn C++ when I was about twelve years old, which I think has gone a long way toward making me the programmer I am today. I usually finished all of the programming assignments in the same class that they were assigned, and I did about 75% of a group website development project by myself. I even figured out how to work COBOL and RPG on the school's AS400 in my legacy systems class.

Classmates, though? I had to explain to the guy next to me how for loops work in the third-level C# class. I just shake my head to think about it.

So, indeed, the value of a CS degree comes down to: don't suck. Don't do CS just because you "like computers", or because you think it's an easy way to make money. It barely actually involves computers at all - real CS is almost all about set algebra and Boolean logic. You could do most of a CS degree without even owning a computer.

user is right, just read a book. Browse the internet. If you're hellbent on paying money for your education, go to some scholarly site and buy your way through their paywall to look at articles in a field that interests you.

engineering still requires school

Proverbs 22:7 The rich rule over the poor, and the borrower is slave to the lender

The problem of this is lending money at interest. Lending money at interest is why the Jews have been booted out of countries all over the world over 100 times. Imagine what schooling would cost if it was illegal to borrow money at interest. The cost of university/college would accurately reflect the demand, the cost would be reasonable, and people would think twice before they enter a course, for they would be forced to save up before entering.

Watch this OP, if you don't want to watch it all at least watch 39:00 - 45:00

Only if you want a job in the field. GP was talking about education for education's sake.

That may be the case for government jobs (they have bizarre requirements that don't really reflect reality), but as far as CS is concerned (I don't know about other STEM majors) it's a valid approach. Ultimately they need to know that you're competent, and having the university you attended, your major, and the date of completion for your coursework listed in the education section of your resume will tilt the ambiguity in your favor enough to pass through HR filters and get you to a real decision maker within the company. Again, this is for CS only. Engineers are actually licensed by the state and many states do require the completion of a full bachelors degree.

EMJ is very underappreciated around here.

Hello. It's me from your future. I'm going to tell you in detail exactly what will happen if you don't pay back those loans:

Same boat as you:
>Told my entire life I needed to go to college

What happened over the course of almost a decade without trying to defer the loan and just ignoring it tbh I honestly thought I would be dead by 30 so I wasn't thinking about any future

My solution:

Not paying back the loans ruined me financially. And has caused me to turn into this outcast weirdo who doesn't own anything and is super private about everything. But that just might be my personality. I don't have a Faceberg and good luck finding me on Spokeo. I just don't exist to anyone not in my family or small social circle.

If I could turn back time Cher-style and do it all over again this is what I would have done: Not gone to college. Little 17 year old me was such a bluepilled idiot. And everyone around me was just as much of a pozzed idiot. Very much like most of the little kiddos going into college today.

Unless you've already got a job and are in university to skill up so you can get a promotion in your job, drop out and get a job instead.

t. 40k in debt, neet for 2 years with a fancy piece of cardboard.

If you want to collapse the system of usury we currently have, default on your loans and encourage as many people to do so as well. Never take a loan out again and your credit score means nothing. Get the fuck out of the city and realise just how cheap land is. No mortgage and you'll be living cheaper than city fags even though you pay more for power and gas.
Take out as bit a loan as possible and use the money to jail the lenders and confiscate all of their assets. Worked pretty well for Nazi Germany and Iceland.

...

electrical engineering?

Yeah, with a specialization in energy & power and control.

You can do that now, of course; but I went to college in the early 90s. No internet, no websites, none of the luxuries you have now. That bit of paper collecting dust in a folder somewhere was all I had to show I could move on up the ladder.

Also, they don't let you be a lawyer without formal education.

It's a hell of a lot easier now to follow an education for education's sake.

I'm still a 17 year old youngfag, what should I do instead of going to college?

TO THOSE WHO TALKED ABOUT LOAN DEFERING, THANK YOU

I'm a fucking programmer cuck.
Im trying to start up my own business in tech support, web shit and programming shit, but it's hard fucking work to even get a single customer. I've got a website, cards, the works.

I dumped my shitty ass wagecuck job when I moved to find a fucking job in the city in IT. But every goddamn company uses these fucking faggot ass consultants and nobody bothers to hire themselves.

They keep telling me to get "more experience" and that i'm not "experienced enough", but nobody fucking hires me even though ive been to dozen of fucking interviews and i'm not some fat neckbearded autist

I just dont fucking get it. I owe 16k$ for this shit ass course that taught me some basic street shitter shit, like C# and SQL and PHP amongst other things.

Looking back on it, I shouldnt have gone, I thought i'd get an actual job coming out of there, but it's just another one of those fucking things.

REMEMBER KIDS, IT'S NOT WHAT YOU KNOW IN LIFE, ITS WHO YOU KNOW

I bet you niggers have multiple credit cards and car payments, too.

If you don't want to do STEM, then pick up a trade.

If you want to do STEM (besides CS), then going to a university would actually be beneficial if only because of the amount of resources open to you as a student in the way of projects, labs, and experienced professors.

Get an entry level job and keep jumping from industry to industry until you find something you enjoy and stick with that.
College is a fucking scam. You don't need a degree to make lots of money and you sure as shit don't need one to learn something. Just read a book, nigger.

Listen to this guy you lil shits
YOU LITERALLY HAVE ALL THE INFORMATION IN THE WORLD AT YOUR FINGERTIPS
STOP JERKING OFF TO FUCKING ANIME AND LEARN A TRADE ONLINE
YOU CAN LITERALLY LEARN ALL THE THEORY YOU NEED TO BE A BLACKSMITH
Or whatever else you wanna do
Seriously dont be a fucking cucked debt-ridden loser like me

THIS

College is just pure niggerdom.
You learn fucking nothing, and your major often barely applies to the Job you get later on.
I would just go for a technical college, and get a specialty job.

THE ONLY REASON, EVER. EVER. EVER. – TO GO TO COLLEGE, IS FOR A S.T.E.M. Career.
If you get ANY other degree, you are officially a nigger.

OP, you're best bet, I think, is to put your payments into the smallest monthly sum possible.
I don't know if its possible to freeze the interest rate on it… But if you can, DO IT.
Methinks that there is a 35% percent chance of very high inflation over the next 20 years.

If you are a working man, Its best to pay down debts after inflation has occurred
If you can keep the interest payments on your debt low, then your debt will not grow by much.
Once inflation happens, your wages will increase, and you can use the money to pay off the debt with your newly inflated dollars.

Of course, after the next round of inflation, you'll be broke as a nigger, but everything will be cheaper thanks to aryan tech.

Overall, that shit isn't getting paid back. The housing bubble and dotcom bubble are going to be peanuts compared to the college bubble. All these faggots going to marxist reeducation centers for their liberal arts degrees are never going to be able to pay their student loans back. The whole thing will eventually implode.

No, I think the housing bubble was much bigger.
Although the dotcom bubble was small.

I think what is going to happen, is that people are going to stop paying back their loans, a big collapse is going to happen -
& then socialism is going to be offered as a way to forgive college debts.

I had scholarships and later I wrote a check. Otherwise I never would have gone at all. Can people not look ahead?

Just do anything, you aren't going to be taken seriously until you are at lest 30 whether you have a degree or not. Degrees are a waste of money now any way and don't usually teach things useful to employees anyway.

learn something or work or both just don't get a student loan of any type.

Interesting read. As a CS student, thanks for writing.

and eventually slaves revolt and all chains (debts) are smashed and the (((slave masters))) are burned at the stake. This possibility is very real in the future as the loans are unpayable.

I'm pretty sure most here are aware of him.
He is right on almost everything except the race issue.

This book is a must read.

Get out now and learn a trade. You'll be employable across the whole country. If you have ambition you can easily start your own business and make real good money. Trades are also pretty safe against automation and generally kikery like h1b visas and wetbacks.

Pay your loans, someday you may want a house or small business loan. You've learned an expensive lesson about the kikes.

I've been learning node.js and Angular in addition to general JavaScript since the beginning of the year. I feel like I'm going to hit a ceiling sooner or later since I don't have a formal CS background (graduated with an IT degree, which I absolutely regret).

Got any advice for someone looking to develop a CS background without going back to school? I have some Java textbooks from undergrad and grabbed a few video courses from Udemy. I also found an online curriculum called Open Source Society University on GitHub. It looks legit and if keeps me from dumping more time and money into a university, all the better.

This tbh fam. I went the college route, but it's not for everyone.

I've worked with plenty of people in trades who started their own small businesses doing anything from plumbing to drywall to electrical work. I really think of this as the american dream. Blue collar hard worker that actually makes a pretty good pay if you got a good head on your shoulders. And unlike so many white collar jobs, they actually see the fruits of their labor. They can actually tell someone what the fuck they do instead of just stringing together corporate jargon bullshit. I wish I had that.

What country are you in OP?

I know in some countries they sanitize all your debt in about 3 years. They pay off all your debts, then for said three years they take all of your income and keep you on allowance. It's tough but at the end of the road these people are debt-free again.

fake your own death fam

appreciate this post, I've thought about what the future holds but considering what's going on right now this isn't exactly the same situation.
They can't collect debt off a corpse, and there will be a whole lot of those once Iran/Syria/the Baltics/Weimerica/SE Asia goes hot.

We know who runs those departments…

Bad move user you are better off going to the casino and playing craps (best odds in the house)

Change your major. There are only three viable liberal arts.

The Literae Humaniores, Foreign Languages and Modern History. Everything else is derived from these and otherwise irrelevant or should be self-taught.

fake your death

wew lad. great system in place!

Cool. We need more red-pilled anthropologists. I graduated in the spring no debt because I saved and paid out of pocket. Get into grad school and help the us retake academia. If any social science falls to us first it will be anthropology. We need the reinforcements.

You can either pay it back and all that shit…

Or…

You can have your family setup a business under their name. Family businesses are best for this. You work for the family business, but are never employed on paper. If they have a trust or something else, where you inheretance can go instead of to you, you'll permanantly prevent those assets from being in your legal name (and subject to seizure or garnishment). Obviously, consult a lawyer to make sure there are no holes, etc.

I want to do something similar for my nephew. I want him to have a life free of legal concequence. I want him (he's blond and blue eyed) to be able to fuck bitches, get them pregnant, and spread his seed without ever having to pay for those kids. I've already talked with my grandfather about this, and we have a family trust in place. My nephew will eventually be the sole heir to all our family's money (my parents, his parents, and my money). It'll be in a trust which he can direct the spending, but never have it touched.

Legal impunity.

Trade school.

user stop being a lazy ass. You can defer the loans and save yourself a lot of headache. now and into the future. There's also some sort of program Obama has where, if you defer for 10 years (don't quote me on this, read up on it) the loans are forgiven

You are asking little teenage queefs to have the mature foresight and critical thinking skills to tell every adult in their life that they are wrong.

The environment high school kids are in is ridiculous. Every teacher and counselor says go to college. Their out of touch parents (who are neck deep in debt and just think that's the way it's supposed to be) say go to college. Cultural propaganda tells these kids "oy vey college is so much fun!" And now we are at the point where the establishment itself is acting as if going to college is some sort of human right.

There is a heavy meme telling every high school kid that it's college or death.

But yet you expect these kids to break through all of that conditioning? Literally every adult in my life told me going to college was a good idea when I was 17. Every. Single. One.

read ds & algorithms books
if you are actually gud degree is 99% irrelevant beyond the hiring goons' initial screen. you could have a degree in pond cleaning but get a software engineering job if you knew your trees and graphs better than some fag with a CS degree and no clue.

Thanks ill take my chances in the stock market instead
Ive got some good sources for plays

Hey programmer guy
Did you see my post?
Im wondering if im a good programmer at all. Im a junior at everything, even street shitter C#. Wtf should I do? Give up on every other language and just throw myself into C# or Java-in-the-loo and not code anything else forever beyond basic shit?

I tried java with IntelliJ the other day, but the IDE creation fucks me up so hard. Its a pain in the ass so far, like using CakePHP, which is trash imo.

Wtf do i do mane

Oh and
I feel like I can never remember anything. I see other faggot programmers who can write shit without ever googling and I need to google the proper way to write shit most of the time.
I mean, I know what I need to do, but I hardly ever remember how. Maybe its the lack of experience, idunno
Your thoughts?

t. blogpost

Here have this picture for your trouble

You can only get deferment for specific reasons. If you are unable to pay, you can go into forbearance, but when you come out of forbearance, any interest is capitalized. That means any interest accrued is added to your principle.

The Obama thing is called income based repayment. The amount you pay is based on your latest tax return. The higher your income the more you pay, not to exceed the normaql amount you'd pay if not on a payment plan. If your income is low enough, you don't have to pay a cent. If you make on time payments for ten years, the remaining balance of your loan is forgiven. If your income stays low enough you could never have to pay a cent on your loan. There's a catch though. The balance of the loan that is forgiven is reported to the IRS as a profit. If you go ten years and still have 100k of debt left, you'll have to pay taxes as if you made 100k that year, even though you may be making peanuts at some shitty part time job.

Congratulations, you got yourself in trouble with the IRS. What's the next step of your master plan?

your problem is that you're trying to emulate street shitters and college grads. java and c# are both trash and there are a million people learning how to poo in the loo every year for a degree.
the field is a lot bigger than java/c# poocode. get experience in rarer niches. self motivation is a big factor in getting hired. if i were a hiring manager and saw some guy who read through sicp on his own and knew half of CLRS from self study i'd hire him in a heartbeat over some clown that just "likes computers xD" with a fancy piece of toilet paper that proves it.

What type of course did you take? Did you go through a coding boot camp or an actual 4-year degree?

…read my book user

also i cannot stress enough that you need to focus on learning DATA STRUCTURES AND ALGORITHMS. Not the ins and outs of PHP v3.1 vs 3.2 vs. 5.3 vs. whatever fucking version it is. Not the ins and outs of Java 7 vs 8. Not how to be a professional IDE user expert. You need to learn HOW TO STRUCTURE YOUR DATA AND OPERATE ON IT CORRECTLY. Language is 100% irrelevant. Take your intellij, throw it out the fucking window, install gentoo, install GCC, Scheme, and Python, and learn DATA STRUCTURES and ALGORITHMS.

Is it challenging to get into the trades/union jobs after college, lads? Been thinking of rail work, but I'm also 70% sure both of my career choices will be obsolete in 25 years.

Lol. If he can't pay off his loans, how would he be able to afford a new house and car in the first place?

Ass-backwards kike logic.

>Use Clinton defense

...

Basically bootcamp.
We learned the basics, C#, entity framework, SQL, linQ, VB(A & S), ASP .NET with all that MVC shit… We had some web, basically HTML / CSS / JS / PHP (Through CakePHP)… shit like that. They showed us also how to use Debian in command line and shit like that… VMWare and stuff
We had access to Visual Studio to do all this shit.

Programming was something I never touched, I actually owned a tech support and computer building business, all kinds of shit like that.
Im just wondering where to go.

I realize C# and Java are the meme street shitter languages they really are. I'm just wondering wtf to go into. That's what I see around here as for hiring, cuck language jobs.
I learned everything else apart programming by myself cuz I wanted to be self-sufficient and not a fucking cuck. Im by no means a Windows powershell user though.
The only reason that I took this 1 year course was to actually get a jump-start in programming. I actually like buildling websites and shit like that.
Also im not trying to emulate shit, I wish I could fucking code by heart and not have to google shit every 5 seconds.

I honestly couldn't give two fucks about version differences unless it fucks up whatever I make.
You mean in SQL and shit?
Cant i just install JetBrain's IDE

I don't think I'll be able to pull an opportunity like that again, should I go and learn some basic electrical shit at a community college/tafe to get my foot in the door?

One thing about Railway jobs, according to my ex-rail uncle, is that the shifts "are chosen by a monkey throwing darts". You work when they say you work - if you get a call at 3AM while hungover, you'd better show up in 90 minutes ready for a shift or you're getting chewed the hell out.

user, if you don't want to pay back your federal student loans, get used to the following:
-Pay for everything in cash or check.
-Don't keep a lot of money in your checking account (enough to float reoccurring bills)
-Strongly consider working outside the United States. This isn't because the US government can't go after you there (it won't matter, really) but it has more to do with the tax-free status on the first $90k you earn. That's right, user. The first $90k you make overseas is tax free so long as you stay out of the country for the majority of the year (it's something specific like 280-320 days/year).
-Eventually, one day in the far future, the Federal government may decide to potentially revoke your passport, attempt to press charges, or any number of other BS. It's okay. You keep the money you make in accounts overseas or like suggests, keep it in a trust that's in your family's name.

You may ask "what the fuck will I do for work overseas?" You choose, user. If you need some starts, I'd recommend Upwork for basic web article writing and do freelance work. Whatever you're passionate about in anthropology, explore it overseas anyhow. Write on the side to make some money until you can find a way to tie your passion in anthropology to a consistent, steady paycheck.
-Bad news: staying in the United States would be an increasingly poor decision based upon the current political climate and the increasing likelihood you will eventually be brought to court or have a judgement placed against you. It won't happen for likely a decade+ time but it's that constant looming shit bucket and nobody likes it.
God bless, user. Don't pay those faggots.

Not for federally backed student loans. They never expire. Otherwise, uncollaterialized debt is subject to the statute of limitations of whichever state you live in. In Georgia, for example, that period is six years. In New Hampshire, it's two.

Dude the more you post the more you sound like you have absolutely no idea what you're doing. okay so you played with 20 different technologies at some unaccredited boot camp that stole your hard earned money. You interacted with this plethora of new technologies with hardly any depth. okay, so you're aware these technologies exist. So fucking what? So is anyone who can google. You still have no clue how to program. The people who are hiring in these technologies either want A) someone who's been working with it for a few years already or B) someone who has a methodical approach to solving problems and can pick up new software stack in a short period of time. A coding bootcamp gives you neither. A solid self-education in programming can offer you a lot more, for a lot less. Boot camps are a sham, some dickhead figures out how to make an assembly line that produces absolutely mediocre Ruby on Rails devs and then charges out the ass with blatantly false promises of 120k starting jobs.

Go do some coding challenges on leetcode or something, anything that gets you solving problems, shit. Go get the book "Cracking the Coding Interview". Interview questions aren't going to be about how you stuck your dick in CakePHP or made some shitty website with ASP.NET. Interview questions are very specific in their scope and if you don't know what to expect from them you're gonna get fucked on them 100% of the time. Every. Single. Time. And the honst truth is that It doesn't matter what language you use. Use what you like. Coding interviews are mostly against an online judge anyway that lets you pick from any popular language.

If you were actually serious about picking up the shit you missed in college, you should read books such as Concrete Mathematics by Knuth, SICP, CLRS, etc.

Everyone uses stack overflow. Everyone. There is no shame in it. Zero. Use it as much as you need and then some more.

If you are just sending out resumes with a list of a billion different technologies you learned certified by Bozo's boot camp then don't be surprised when no one hires you. Sorry if the tone of this post was harsh but quite a lot of us are very serious about the craft. If you are interested in heading down the righteous path of the programmer then Holla Forums might be able to help (if they're not too busy arguing about systemD,)

Dubs of truth checked

I never said I had more than a vague idea of wtf I was doing. Honestly, I have an actual government approved diploma out of it, but I honestly thought that an actual college would give much more material for that kind of money.

Had I known it would have been this shitty, as you said, I would have started coding at home.

Looks pretty fucking neat, I never even heard of this before. I'll get on this right away. I'll try finding that book in a PDF or something.

The problem with interviews is I never fucking even know what to fix or what I'm missing. Just because I could sue them for whatever reason, it's a load of shit. If I knew what I was doing wrong, i'd have fixed it already. I realize I'm lacking a lot of experience but goddamn, if everyone doesn't hire me because of it, how the fuck am I supposed to even get a job?
And as I said, I rarely even get to meet anyone that's "technical". It's always some fucking faggot ass representative that doesnt know shit about coding, or some external firm that screens candidates and shit.

Believe it or not, it's my biggest resource after startpage. I usually get links to it anyway through searching.

Goddamn youre on the fucking money on this one. I actually list the technologies i'm most familiar with in my "toolbox" thing that's actually a table made in word. I convert that shit to PDF so no one can whine about the hidden formatting.

Looks like i've been going at it all wrong, if the languages aren't that important, i'm gonna need some serious redirecting there

I'm not personally a fan of CTCI since it's exclusively Java, but if you're able to solve most of the easy-medium problems on Leetcode (none of which are truly easy) and able to reason about the time and space complexity accurately you'd be in a good place for a lot of interviews.

And as tempting as it is, don't use rosetta code to optimize your solution before you implement a shitty terrible naive algorithm by yourself.

Good luck.

Good thing I have no idea wtf that is, but i'm gonna look it up just for the fuck of it
Thanks fam

For anyone here still in high school, college is free if you enlist in the military. After four/five years you will have a degree, no debt, (possibly relevant) job experience, money, and you will be physically fit.

There's plenty of other jobs which do not involve fighting. And if grunt work is all you can qualify for, college isn't the place for you.

Your best bet is to join the navy or air force if you don't want to see combat. Ignore any /k/ocksuckers who tell you otherwise. Those are the people who want to be a grunt.

My enlisted job has low retention in the navy. If I extend my contract for two years, I get an immediate bonus of $75,000. Obviously you have to be intelligent to get this sort of job, but the military is a great opportunity for anyone not in college.

Read my post if you want to got to college. Trade School is a great option as well.

the system is overdue - remember, shemitah was last september.

after the nukes hit and wipe out the power grid - you bet there will be power companies hiring when we rebuild our infrastructure!

People in trades also get a kind of experience that is hard to quantify but leads to "manliness" and not in that way that you can get by buying a straight razor. That is worth something

You'll just need to take a loan goy, don't hurt your credit or you won't be able to do business with the Chosen!

AUTISM IS ON THE RISE

You can go to graduate school and become a counselor or social worker.

webmd.com/brain/autism/searching-for-answers/autism-rise
disabilityscoop.com/2015/11/13/cdc-survey-autism-rise/20959/

"Go build weapons for ZOGbots"

Where the fuck you think you are.

the ass backward kike logic isn't ass-backwards, rather it is just crazy kike logic.

backwards, would imply

but rather, it's pure crazy

it would be one thing to loan to bad history, it is another 'thing'(?) entirely to loan to zero history –and– claim it good feelz entitlement preferred –and– preferred over those who have good history. bat shit insanity.

backwards would be an improvement. the kikes are at loan gibberish level, not loan backwards level.

just go varg mode and leave society

What state are you living in?

I'm a liberal arts major who paid off my loans by driving a tanker. The truck serves as your residence and you can get a hotel when you come in town. I paid cash for my car and I'm about to pay cash for a house next year.

This job doesn't moisten any panties and the first year is rough but guys like me work independently, are debt free and comfortable. There's always work and you'll never be homeless.

user…

Probably gonna die for Israel if hilldawg gets in but it's been worth it so far.

...

This user seems pretty truthful, I know another person who lives exactly like this, a friend running from child support from state to state.

The best thing that could happen, in student loan default, is to save up 1/10 of what you owe then get with a lawyer and agree to a one time settlement and make the payment.

It's a strategy I am beginning to see more often, I have friends who are banking on forgiveness after 30 years of payments (it's real - look it up), and I have told them of the new trend in settlements and they call me crazy until I show them the stats on how many people have not payed since the housing crisis.

Do you want a job, a guaranteed job?
- HVAC. Better than plumbing, but working on roofs sucks shit.
- Plumbing. You're not on a roof, but work with actual shit.
- Funeral sciences.

In all three you start out as a nigger for 3-5 years, but then you will never be unemployed.

I would put dentist up there - but the suicide rate is too high for me to recommend to anyone on Holla Forums.

well aren't you a genius

I don't think anything could go wrong.
I mean, everything is flammable if you burn it enough right?

But it's true, due to its telomere characteristics. Lobsters die due to three reasons:

1) Predation (including by humans)
2) Parasites
3) Energy cost of moulding increase with age

But they don't seem to die due to aging, that's why biomed people are very interested in them as model organisms.

t. Biofag

Trump: "Government should not be making money off of student loans"

streamable.com/n44z

ah fellow nuke i see

Can you just take out a shit ton of loans and then declare bankruptcy?

This. Oldfags/boomers massively underestimate the current conditions.

That's true but penetrating that screen is by no means easy if you don't have connections. HR is a massive, massive problem. Staffed by entitled cunts without the slightest technical know-how.

To crash the petro and narco dollar system… with no survivors

That's… a beautiful moon man.

Fuck me it was only $21,000 for nukes when I was in. Having said that though, don't fucking trust the cunts. 8ch.net/pol/res/7944516.html

Sort of yes, sort of no. First, to really make that worth doing, you have to borrow a lot of money - like, six or seven figures - because your credit is getting fucked really hard if you do it. Of course, if you're in a position to borrow that much, it probably isn't worth permabanning your credit just for one quick score. It takes decades to get your credit up to the level where you can just breeze into a bank and take out a huge loan without collateral, and you'll never really recover if you fuck over a bank like that.

Second, bankruptcy isn't a reset button you can mash whenever you want. Your case goes to bankruptcy court, where your finances will be evaluated. Essentially, a bankruptcy filing announces to the court that you've fucked up and don't expect to be able to pay back what you owe. It's the financial equivalent of admitting you're a sinner and giving your heart to Jesus. The court takes over your finances and reorganizes your debts for you. Some of the debt may be forgiven (but not student loans or tax liens), while other debts may be reduced or put onto a new payment schedule, such as your mortgage or car loan, which you may have to renegotiate in order to avoid repossession.

If you have any valuable assets during this process, such as stocks or bonds, gold or silver, investment properties or rental houses (except the house you live in), you can expect the court to liquidate them to pay some or all of your debts. The idea is to broker a satisfying arrangement between you and your lenders, but not to let you get away with robbing a bank.

That having been said, a lot of people go on a credit card spree just before they declare bankruptcy. Might as well get a bunch of computer equipment and a new TV if you're fucked anyway. But that's for people who are already sliding into the hole. It might actually be illegal to take out loans in bad faith like this.

OP you should just join the military out of college. Officer life is the tits in any branch (besides marines) and you get payed for more schooling. Basically, if you test high enough you can do what ever you want. Find a job that is useful in the real world and try to do that. I know a lot of my friends who went in after high school as enlist and they're all making money and shit. But because you will have a degree, you'll be above all the enlist, you'll make more money, and you get a better job. I'm going into the military as a pilot and I'm getting my degree in Sociology. But it helps most of my schooling was paid for via athletics and I went in state.

How's the job market for a chemistry graduate nowadays?

Fucking fantastic! If you're cooking meth

YOU FUCK, YOU'RE NEVER SUPPOSED TO GET STUDENT LOANS IN THE FIRST PLACE! FINANCES 101

Reported, noting concerted shilling via VPN.

Fam, this is the white genocide in action. "I can't make an honest waifu out of her and start breeding whites because marrying me is like drinking poison." Much better to just fuck and impregnate and walk away to do it again just like niggers

Younger siblings, listen to your old Uncle user. . . Go to college if you have a very specific career in mind that requires it (lawyer, doctor, scientist, engineer, etc.). Skip it if you're just looking for the humanities or liberal arts, which used to be about teaching young men and women to love Western Civilization through the Great Books curriculum, but now is about sucking Omar's cock and having a good sob with all the dead Indians.

If a professional career track isn't in the cards for you, learn a trade, plus some skills. For example, you can apprentice to become a carpenter, but take community college courses to learn CPR and welding. Go into HVAC or plumbing, as one user suggested, but also get a forklift operator's license and a large vehicle endorsement on your DL. Get into ADA compliance or automotive tech, but also learn cooking and sewing and graphic design.

Freelance on the side, ideally in an unrelated field. If you're a plumber, for instance, scare up some writing jobs you can do after work. If you're a mechanic, learn HTML and database migration, then look for quick freelance gigs. Remember - the more eggs in your basket, the more likely you'll have an omelet when you want it.

And for fuck's sake - find a young waifu and breed in a home you own yourself! Raise the kids as ambassadors of their people, and don't forsake them to the college-debt-life on the lam nightmare!

Credit rating, and they will garnish you unless you're NEET.

You best be retooling soon. Autonomous driving could knock you down from driver to glorified ride-along clerk who handles the hose linkages and presses the big green/red buttons.

1. Take out as many loans as you can.
2. Hide the money somewhere safe (overseas like Switzerland).
3. GTFO America
4. Hide and enjoy your free* shekels

*You can never set foot inside USA or countries with easy extradition to USA
you can also get a new identity internationally and possibly return at a later date, have fun burning off your fingerprints or whatever

You are a faggot. Every time you take a loan, no every time you leave your money in a bank or similar, you trap yourself in the Jew's poket.
Never ever invest. Never ever buy something with money that doesn't belong to you, even when it's more convenient.

...

Are there any countries in which the government sends thugs to beat you if you are intentionally not repaying loans? I would like to live in such a country. Better than knowing people are squandering taxpayer dollars in a something-for-nothing lifestyle.

And the system which tricked you deserves to make money off you.

>And the system jews which tricked you deserves to make money off you.
Fucking cuckservatives. Why do you even come here.