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Stan Rogers
Joined: 20 Aug 2010
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Died By Bear
Joined: 13 Jul 2010
Location: On the big lake they call Gitche Gumee
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 Posted: Mon Feb 11, 2013 6:35 am Post subject: |
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| I approve as well. Obamla should forgive those American kids with student loan debt too. |
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Dodge7
Joined: 21 Oct 2011
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| Posted: Mon Feb 11, 2013 6:55 am Post subject: |
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| Died By Bear wrote: |
| I approve as well. Obamla should forgive those American kids with student loan debt too. |
Haaaa. No he shouldn't. Why should he? People wanted the education they had/have to pay for it. no more free rides or hand outs. We're creating a country full of pan handlers. |
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Charlie Bourque
Joined: 27 Jun 2010
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| Posted: Mon Feb 11, 2013 1:52 pm Post subject: |
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| Dodge7 wrote: |
| Died By Bear wrote: |
| I approve as well. Obamla should forgive those American kids with student loan debt too. |
Haaaa. No he shouldn't. Why should he? People wanted the education they had/have to pay for it. no more free rides or hand outs. We're creating a country full of pan handlers. |
You're assuming that education isn't a human right -- which it is. It's embarrassing that Canada and the USA still expect people to pay for post-secondary education, instead of having it fully subsidized by the government via taxes.
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
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madoka
Joined: 27 Mar 2008
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| Posted: Mon Feb 11, 2013 3:37 pm Post subject: |
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| Obama bucks for everybody! Let our children deal with the mess. |
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hiamnotcool
Joined: 06 Feb 2012
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| Posted: Mon Feb 11, 2013 3:40 pm Post subject: |
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| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
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Charlie Bourque
Joined: 27 Jun 2010
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| Posted: Mon Feb 11, 2013 4:40 pm Post subject: |
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| hiamnotcool wrote: |
| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
Uh huh... And how long would it take to raise $40,000 for someone living on their own, with nothing but a high school diploma, working at minimum wage? Yeah... |
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fermentation
Joined: 22 Jun 2009
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| Posted: Mon Feb 11, 2013 6:20 pm Post subject: |
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| I don't approve and voted for her. A society that coddles criminals. |
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wooden nickels
Joined: 23 May 2010
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| Posted: Mon Feb 11, 2013 7:49 pm Post subject: |
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| Charlie Bourque wrote: |
| hiamnotcool wrote: |
| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
Uh huh... And how long would it take to raise $40,000 for someone living on their own, with nothing but a high school diploma, working at minimum wage? Yeah... |
I did it. I lived on my own. I paid for everything. I started out with approximately $2000. I had 2 part-time jobs the first year. My first year of university, I received a grant of approximately $1500.
Years 2-5, I had 1 part-time job, worked about 20-30 hours per week for cash. Received grants of about $1000 per year. Tuition was fully covered on scholarships due to grades of all A's and two B's during these four years.
I took out a couple of government subsidized loans during the 5 years. The debt was approximately $14,000. After graduation, I accepted a teaching position at a nearby high school where I had completed my student teaching. I paid of my student loan in less than 2 years.
I didn't go out partying and living it up during my university years. However, at the very beginning, I decided I was going to be responsible and set my standards high. Now, I don't have any debt. I have a very nice home with the full deposit paid down. I have a more than comfortable income. I'm stashing back a nice retirement fund.
Self Responsibility. It produces results. |
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hiamnotcool
Joined: 06 Feb 2012
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| Posted: Mon Feb 11, 2013 8:46 pm Post subject: |
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| wooden nickels wrote: |
| Charlie Bourque wrote: |
| hiamnotcool wrote: |
| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
Uh huh... And how long would it take to raise $40,000 for someone living on their own, with nothing but a high school diploma, working at minimum wage? Yeah... |
I did it. I lived on my own. I paid for everything. I started out with approximately $2000. I had 2 part-time jobs the first year. My first year of university, I received a grant of approximately $1500.
Years 2-5, I had 1 part-time job, worked about 20-30 hours per week for cash. Received grants of about $1000 per year. Tuition was fully covered on scholarships due to grades of all A's and two B's during these four years.
I took out a couple of government subsidized loans during the 5 years. The debt was approximately $14,000. After graduation, I accepted a teaching position at a nearby high school where I had completed my student teaching. I paid of my student loan in less than 2 years.
I didn't go out partying and living it up during my university years. However, at the very beginning, I decided I was going to be responsible and set my standards high. Now, I don't have any debt. I have a very nice home with the full deposit paid down. I have a more than comfortable income. I'm stashing back a nice retirement fund.
Self Responsibility. It produces results. |
I did it too. I did receive a government grant my first year, but after that I picked up a scholarship and worked hard enough to have no social life. A social life is a luxury for a college student anyway. The money would be better spent giving grants to low income high school students that perform well academically, not rewarding people for making bad financial decisions. The government grant allowed me to graduate in four years but if it hadn't I would have taken a year or two off and worked rather than taking a loan out. It was painfully obvious how bad the conditions of those loans were.
And even though I didn't have a social life I still look at a lot of the people working hard everyday in other countries and realize how good I have it. I consider myself a lucky guy that has lived a pretty luxurious lifestyle.
Now if I go tell young people about to start college not to take out loans they never listen to me. I try to feel bad for these people that find themselves in debt, but their sense of entitlement and the way they can't listen to reason has just made me apathetic. |
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Charlie Bourque
Joined: 27 Jun 2010
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| Posted: Mon Feb 11, 2013 9:01 pm Post subject: |
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| wooden nickels wrote: |
| Charlie Bourque wrote: |
| hiamnotcool wrote: |
| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
Uh huh... And how long would it take to raise $40,000 for someone living on their own, with nothing but a high school diploma, working at minimum wage? Yeah... |
I did it. I lived on my own. I paid for everything. I started out with approximately $2000. I had 2 part-time jobs the first year. My first year of university, I received a grant of approximately $1500.
My tuition alone was $6400 -- another $350 or so for used/rented books. Tuition is due at the beginning of the semester. My apartment, a lowly shoebox just outside of town, cost me $2250 for the first month (1st/Last/Deposit). A measly couple of thousand wouldn't get me anywhere. I'd miss my tuition's due date and would be forced to withdraw from the faculty.
Years 2-5, I had 1 part-time job, worked about 20-30 hours per week for cash. Received grants of about $1000 per year. Tuition was fully covered on scholarships due to grades of all A's and two B's during these four years.
That's the problem -- everyone can't possibly be an A student. The whole class can't have A's and B's. That's why universities employ bell curves. And even so, an extra $1000 doesn't go very far when tuition costs as much as it does nowadays. Even if you added ~25hrs @$10/hr, you'd still only get $1000 a month, which barely covers the cost of renting a shoebox in my city.
I took out a couple of government subsidized loans during the 5 years. The debt was approximately $14,000. After graduation, I accepted a teaching position at a nearby high school where I had completed my student teaching. I paid of my student loan in less than 2 years.
You yourself have to admit that you took government student loans. In my city, teaching positions -- especially English teaching and TESL -- are practically impossible to get, even with proper networking. The entire country has an excess of English teachers, moreso in Ontario, and even worse in Ottawa. The prospects of getting a decently paying TESL job in Ottawa is slim to none.
I didn't go out partying and living it up during my university years. However, at the very beginning, I decided I was going to be responsible and set my standards high. Now, I don't have any debt. I have a very nice home with the full deposit paid down. I have a more than comfortable income. I'm stashing back a nice retirement fund.
Self Responsibility. It produces results. |
You shouldn't need to have to resort to loans of any kind, or rely on 90%+ averages to afford going to school. Many industrialized countries have fully subsidized post-secondary education and I'd say it's working out pretty well for them.
I'm not trying to make excuses for kids that go to school, live with their parents, blow their money, and bitch when they aren't handed a high paying job straight out of school. I'm merely stating that some of us didn't have the privileged of being born in the right city, into the right family. |
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madoka
Joined: 27 Mar 2008
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| Posted: Mon Feb 11, 2013 9:18 pm Post subject: |
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| Holy crap! Where you guys going that your tuition is so cheap? My school currently charges $41,000 per year for tuition alone and not including a dozen different mandatory fees. Once you add in room and board, if I were to graduate from my alma mater now, I would be $230K in the hole. |
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wooden nickels
Joined: 23 May 2010
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| Posted: Mon Feb 11, 2013 9:30 pm Post subject: |
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| hiamnotcool wrote: |
| wooden nickels wrote: |
| Charlie Bourque wrote: |
| hiamnotcool wrote: |
| Charlie Bourque wrote: |
People on this forum often bitch about how recent graduates are spoiled brats what refused to hold out for a good job back home, or work their way up from minimum wage/entry-level positions. The truth of the matter is that kids are graduating with exorbitant student loans that are extremely difficult to repay on an entry-level salary. |
If it walks like a duck....
Those loans were voluntary, get a job for a few years and earn the money to go to college. |
Uh huh... And how long would it take to raise $40,000 for someone living on their own, with nothing but a high school diploma, working at minimum wage? Yeah... |
I did it. I lived on my own. I paid for everything. I started out with approximately $2000. I had 2 part-time jobs the first year. My first year of university, I received a grant of approximately $1500.
Years 2-5, I had 1 part-time job, worked about 20-30 hours per week for cash. Received grants of about $1000 per year. Tuition was fully covered on scholarships due to grades of all A's and two B's during these four years.
I took out a couple of government subsidized loans during the 5 years. The debt was approximately $14,000. After graduation, I accepted a teaching position at a nearby high school where I had completed my student teaching. I paid of my student loan in less than 2 years.
I didn't go out partying and living it up during my university years. However, at the very beginning, I decided I was going to be responsible and set my standards high. Now, I don't have any debt. I have a very nice home with the full deposit paid down. I have a more than comfortable income. I'm stashing back a nice retirement fund.
Self Responsibility. It produces results. |
I did it too. I did receive a government grant my first year, but after that I picked up a scholarship and worked hard enough to have no social life. A social life is a luxury for a college student anyway. The money would be better spent giving grants to low income high school students that perform well academically, not rewarding people for making bad financial decisions. The government grant allowed me to graduate in four years but if it hadn't I would have taken a year or two off and worked rather than taking a loan out. It was painfully obvious how bad the conditions of those loans were.
And even though I didn't have a social life I still look at a lot of the people working hard everyday in other countries and realize how good I have it. I consider myself a lucky guy that has lived a pretty luxurious lifestyle.
Now if I go tell young people about to start college not to take out loans they never listen to me. I try to feel bad for these people that find themselves in debt, but their sense of entitlement and the way they can't listen to reason has just made me apathetic. |
I gave up the social life in university, too. Except for a couple of days between semesters, most of my social life revolved around the talks that took place when walking from class to class. And, those talks usually revolved more around education than Lucy and Cool-Daddy spilling their drinks at the bar.
I chose the cheapest apartment I could find, a small studio, within 20 minutes walking distance of my university. Luckily, I didn't need much room because I didn't have a TV, DVD player, computer, or such things. For entertainment, I studied. I managed to organize my free time where I had access to the free computers in the university library. Unfortunately, I still needed a car to visit schools during my teacher training. Thus, I needed a loan for the car. |
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wooden nickels
Joined: 23 May 2010
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| Posted: Mon Feb 11, 2013 9:43 pm Post subject: |
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| madoka wrote: |
| Holy crap! Where you guys going that your tuition is so cheap? My school currently charges $41,000 per year for tuition alone and not including a dozen different mandatory fees. Once you add in room and board, if I were to graduate from my alma mater now, I would be $230K in the hole. |
When and where I graduated, tuition was approximately $14,000 per year. I had an opportunity to attend a better ranked school but I chose to go to a state university to cut expenses. A few years later I attended summer semesters, paid for by the public school where I taught, to attain my MA. |
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comm
Joined: 22 Jun 2010
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| Posted: Mon Feb 11, 2013 10:04 pm Post subject: |
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| madoka wrote: |
| Holy crap! Where you guys going that your tuition is so cheap? My school currently charges $41,000 per year for tuition alone and not including a dozen different mandatory fees. Once you add in room and board, if I were to graduate from my alma mater now, I would be $230K in the hole. |
I spent 2 years at a community college which had a transfer agreement with several in-state 4-year institutions. The community college credits were dirt cheap, and transferred as full credit. In-State tuition for a public university was relatively cheap as well. Both of these were close enough that I could live with my parents while studying.
I pulled it off without debt thanks to a ridiculously high-paying summer job and financial help from my parents. Personally, I think the Western idea that you should start spending money on an apartment when you turn 18 while trying to pay for college is silly. If you can't afford to live on your own and get an education at the same time, you should choose one or the other. |
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