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1
theoakman
2019 Dec 21, 7:30am
I went to school in 1998 to 2002 and at the time, graduated with a degree in Chemistry. I spent the next year working 3 jobs at an autogarage, farm, and bar and paid off 48,000 in loans in one year. I then chose to go to graduate school on a tuition free stipend and graduated with a doctorate without any debt. At the time, I also had the option of going to medical school for $275k. To be honest, I didn't really have the passion to be a doctor so it ended up being the right decision. But at the time, it was purely financial. I was running through the math and it just didn't make sense.
I had friends that went to that same school. I make about $60k less than my doctor friends in salary. But after all the malpractice insurance, student loan payments...and the extra 3 to 6 years that they earned absolutely nothing as a resident...not only do I have a lot more money in the bank, but I live in a larger nicer home.
Those $275k loans ballooned during residency on them when they had to defer them.
Everyone who thinks becoming a pediatrician or emergency room doctor is a fast track to making a lot of money isn't looking at the numbers. I always tell people...sure if you are going to be a heart surgeon or a cancer doctor, you'll be rich. But most kids that want to be doctors want to sit in an office, prescribe some antibiotics, and collect a high salary. Most doctors today will tell you they don't want their kids to be doctors.
I had friends that went to that same school. I make about $60k less than my doctor friends in salary. But after all the malpractice insurance, student loan payments...and the extra 3 to 6 years that they earned absolutely nothing as a resident...not only do I have a lot more money in the bank, but I live in a larger nicer home.
Those $275k loans ballooned during residency on them when they had to defer them.
Everyone who thinks becoming a pediatrician or emergency room doctor is a fast track to making a lot of money isn't looking at the numbers. I always tell people...sure if you are going to be a heart surgeon or a cancer doctor, you'll be rich. But most kids that want to be doctors want to sit in an office, prescribe some antibiotics, and collect a high salary. Most doctors today will tell you they don't want their kids to be doctors.
2
Bd6r
2019 Dec 21, 7:43am
Bd6r
2019 Dec 21, 7:43am
willywonka says
WTF is integrated studies...anything with STUDIES in it should be banned
theoakman says
Very similar experience. Never regretted not becoming a doctor, and had no debt from grad school. In fact, saved some (minor) amount of money during grad school!
Integrated Studies
WTF is integrated studies...anything with STUDIES in it should be banned
theoakman says
I then chose to go to graduate school on a tuition free stipend and graduated with a doctorate without any debt. At the time, I also had the option of going to medical school for $275k. To be honest, I didn't really have the passion to be a doctor so it ended up being the right decision. But at the time, it was purely financial. I was running through the math and it just didn't make sense.
Very similar experience. Never regretted not becoming a doctor, and had no debt from grad school. In fact, saved some (minor) amount of money during grad school!
3
Al_Sharpton_for_President
2019 Dec 22, 6:21am
Al_Sharpton_for_President
2019 Dec 22, 6:21am
But who educates high school grads on the realities of a college education? Expecting college reps to do so is like expecting a car salesman to steer buyers away from their lot. Non-college educated parents, if they are around, can't do it, nor can relatives who did not attend college. Expecting 18 year-olds to do so is not realistic for most.
One upside to the student loan fiasco is that it may have achieved this, hopefully.
One upside to the student loan fiasco is that it may have achieved this, hopefully.
4
Shaman
2019 Dec 22, 9:41am
Shaman
2019 Dec 22, 9:41am
And most college educated parents do not understand the process and still think that Ivy League or prestigious schools offer the best life for their progeny, despite being a pretty consistent $70-75k/year.
The field of study is also usually arbitrary. Nobody seems to understand that employers want people with skills and not just people with pedigrees.
The field of study is also usually arbitrary. Nobody seems to understand that employers want people with skills and not just people with pedigrees.
5
theoakman
2019 Dec 22, 12:01pm
Shaman says
I disagree with this. I live right next door to Princeton. Seems to me, every liberal arts graduate from that school magically gets set up with a cushy job in a museum, non-profit, or financial institution. I know a family where they managed to pull strings, send their kids to ivies, and at age 24, turned their unemployed English major daughters into Pharmaceutical execs. A lot of these kids in Princeton have a career set up for them already. The kids that go to Princeton make friends with them and get sham positions themselves or at the very least, a foot in the door.
And most college educated parents do not understand the process and still think that Ivy League or prestigious schools offer the best life for their progeny, despite being a pretty consistent $70-75k/year.
The field of study is also usually arbitrary. Nobody seems to understand that employers want people with skills and not just people with pedigrees.
I disagree with this. I live right next door to Princeton. Seems to me, every liberal arts graduate from that school magically gets set up with a cushy job in a museum, non-profit, or financial institution. I know a family where they managed to pull strings, send their kids to ivies, and at age 24, turned their unemployed English major daughters into Pharmaceutical execs. A lot of these kids in Princeton have a career set up for them already. The kids that go to Princeton make friends with them and get sham positions themselves or at the very least, a foot in the door.
6
Ceffer
2019 Dec 22, 1:34pm
Ceffer
2019 Dec 22, 1:34pm
theoakman says
I know an Asian guy with multiple degrees and UC Berkeley business MA who got a job with Goldman Sachs in New York. He said his desk was on a floor with many Ivy undergrads much younger than him who had liberal arts majors. You could tell he was a bit miffed by that. Aristocracy meets Meritocracy.
I disagree with this. I live right next door to Princeton. Seems to me, every liberal arts graduate from that school magically gets set up with a cushy job in a museum, non-profit, or financial institution. I know a family where they managed to pull strings, send their kids to ivies, and at age 24, turned their unemployed English major daughters into Pharmaceutical execs. A lot of these kids in Princeton have a career set up for them already. The kids that go to Princeton make friends with them and get sham positions themselves or at the very least, a foot in the door.
I know an Asian guy with multiple degrees and UC Berkeley business MA who got a job with Goldman Sachs in New York. He said his desk was on a floor with many Ivy undergrads much younger than him who had liberal arts majors. You could tell he was a bit miffed by that. Aristocracy meets Meritocracy.
7
HeadSet
2019 Dec 22, 2:11pm
HeadSet
2019 Dec 22, 2:11pm
He said his desk was on a floor with many Ivy undergrads much younger than him who had liberal arts majors. You could tell he was a bit miffed by that. Aristocracy meets Meritocracy.
May be about sales. The "aristocracy" kids know people and networks to sell Goldman Sachs product to.
May be about sales. The "aristocracy" kids know people and networks to sell Goldman Sachs product to.
8
Al_Sharpton_for_President
2019 Dec 23, 3:17am
Al_Sharpton_for_President
2019 Dec 23, 3:17am
theoakman says
I then chose to go to graduate school on a tuition free stipendI wonder how the stipend and no tuition system for the hard sciences (not PhD's in economics or psychology) evolved. I think getting an MD/PhD might be the way to go for those wanting to be MD's. Women go gaga over MD's. A buddy who never got laid before got into medical school, and women were all over him like flies on shit.
9
Bd6r
2019 Dec 23, 7:56am
Bd6r
2019 Dec 23, 7:56am
willywonka says
It has been more or less free forever in math, chemistry, physics. in fact, they pay you a stipend (ca 25-30K/year these days). However, studies as such are one year, and then you work in lab doing research 3-4 years, often 12 hrs a day/6 days a week. Builds character...and is funded from PI's research grants, which may be private or public.
If they start charging for doctoral studies in hard sciences, no one will sign up, as it is hard work, no bullshit (OK, a little), and pay after graduation, while being good, is nowhere near pay of doctors. + job security has eroded in last 15 years, with outsourcing to Chindia.
I wonder how the stipend and no tuition system for the hard sciences (not PhD's in economics or psychology) evolved.
It has been more or less free forever in math, chemistry, physics. in fact, they pay you a stipend (ca 25-30K/year these days). However, studies as such are one year, and then you work in lab doing research 3-4 years, often 12 hrs a day/6 days a week. Builds character...and is funded from PI's research grants, which may be private or public.
If they start charging for doctoral studies in hard sciences, no one will sign up, as it is hard work, no bullshit (OK, a little), and pay after graduation, while being good, is nowhere near pay of doctors. + job security has eroded in last 15 years, with outsourcing to Chindia.
10
B.A.C.A.H.
2019 Dec 23, 8:16am
B.A.C.A.H.
2019 Dec 23, 8:16am
When I was a student in the 1980's, I knew a couple of medical students who had enlisted in the Navy after being accepted to Med School. The Navy paid their tuition and also paid their salary as officers. Their "job" in the Navy was to be medical students. In addition to being full time students they had the duty similar to reservists, a weekend a month and a couple of weeks per year, or something like that. One (or both? I can't remember as it was in the 1980's) told me that they attended a special basic training designed for officer candidates in their situation.
One of them was married to a flight attendant. His salary was higher than his wife's. He enjoyed the "free travel" perk as the spouse of a United Airlines employee.
These guys would do their first doctoring jobs in the United States military. No malpractice insurance required, - they could focus on being doctors. Their obligation was something like five years.
My son in law who finished at UC Davis a couple of years told me that this sort of program is still going on. One of his classmates from UCD got accepted into a medical school and enlisted in the Army. His tuition is covered and he recently purchased (with cash) a sportscar with his officer pay.
One of them was married to a flight attendant. His salary was higher than his wife's. He enjoyed the "free travel" perk as the spouse of a United Airlines employee.
These guys would do their first doctoring jobs in the United States military. No malpractice insurance required, - they could focus on being doctors. Their obligation was something like five years.
My son in law who finished at UC Davis a couple of years told me that this sort of program is still going on. One of his classmates from UCD got accepted into a medical school and enlisted in the Army. His tuition is covered and he recently purchased (with cash) a sportscar with his officer pay.
11
B.A.C.A.H.
2019 Dec 23, 8:18am
B.A.C.A.H.
2019 Dec 23, 8:18am
rd6B says
Ahem, Princelings from Asia will fill those slots with the ill gotten gains of their oligarchic parents from "back home". That is already going on.
If they start charging for doctoral studies in hard sciences, no one will sign up
Ahem, Princelings from Asia will fill those slots with the ill gotten gains of their oligarchic parents from "back home". That is already going on.
12
RC2006
2019 Dec 23, 8:25am
RC2006
2019 Dec 23, 8:25am
My wife got a stipend that paid for her masters degree. Obviously Stipends are only going for degrees with a demand in the workforce and show why most student loans programs need to be abolished for the scam they are.
13
Bd6r
2019 Dec 23, 8:32am
Bd6r
2019 Dec 23, 8:32am
B.A.C.A.H. says
The "princelings" who go into hard science PhD's get booted out in any self-respecting school unless they work hard. In fact, I regularly get stalked by such persons after I fail them in advanced graduate classes, which eventually results in them losing their visa status. They whine, send emails, and when that does not work, try complaining to administration, which luckily does not work as administration tries to avoid problems unless they become public, e.i. administrative approach to anything that is not in media is to bury head in sand and to pretend that problem does not exist.
Edit: also, I see much less Chinese students these days.
Ahem, Princelings from Asia will fill those slots with the ill gotten gains of their oligarchic parents from "back home". That is already going on.
The "princelings" who go into hard science PhD's get booted out in any self-respecting school unless they work hard. In fact, I regularly get stalked by such persons after I fail them in advanced graduate classes, which eventually results in them losing their visa status. They whine, send emails, and when that does not work, try complaining to administration, which luckily does not work as administration tries to avoid problems unless they become public, e.i. administrative approach to anything that is not in media is to bury head in sand and to pretend that problem does not exist.
Edit: also, I see much less Chinese students these days.
14
PaisleyPattern
2019 Dec 23, 11:48am
I’ve been reading through these miserable testimonials. I’m starting to get the feeling that a lot of them are fake. Anyone else notice that?
15
Ceffer
2019 Dec 23, 12:17pm
Ceffer
2019 Dec 23, 12:17pm
willywonka says
From what I saw at the institutions that I attended, the girls only went gaga for the medical students who were already rich kids or scions. Some of the 'poor' kids would get married to a wife who would help them work their way through, then shuck the wife for an upgraded model when they were out and earning the buckaroos. Cold.
A buddy who never got laid before got into medical school, and women were all over him like flies on shit.
From what I saw at the institutions that I attended, the girls only went gaga for the medical students who were already rich kids or scions. Some of the 'poor' kids would get married to a wife who would help them work their way through, then shuck the wife for an upgraded model when they were out and earning the buckaroos. Cold.
16
Booger
2019 Dec 23, 12:46pm
Booger
2019 Dec 23, 12:46pm
Thread title is misleading.
I'm guessing that PornHub has lots of videos or students working off their loans.
I'm guessing that PornHub has lots of videos or students working off their loans.
17
Hircus
2019 Dec 23, 3:08pm
Hircus
2019 Dec 23, 3:08pm
willywonka says
I've felt this way for a long time whenever people talk about the student loan situation. I feel most of it is caused by proliferation of students enrolling in junk majors that have a low probability of giving them a solid job, or simply overspending on a worthy major, giving a poor ratio of time and money spent vs future rewards.
Children and teenagers have spent their entire lives treating adults as the source of truth, wisdom, and advice. They hear adults say "choose a major you'll love, and then you'll never work a day in your life. plus, since you like it, you'll be great at it and so you'll make more money". This advice they receive often lacks in the practicality they need - the type that says you may love art, but your life isn't likely to be very happy if you struggle to pay the bills, weighed down by decades of student loan repayments. They need to be told to be realistic, and to analyze. And I agree that this type of foresight and analytics ability isn't common.
Some kids hear the warnings, but they think they'll be ok and will make great money as an art major, because their parents and teachers always told them how great and special they are, so they will beat the odds.
... and so 10 years later another one meets soul crushing loan debt.
But who educates high school grads on the realities of a college education? Expecting college reps to do so is like expecting a car salesman to steer buyers away from their lot. Non-college educated parents, if they are around, can't do it, nor can relatives who did not attend college. Expecting 18 year-olds to do so is not realistic for most.
I've felt this way for a long time whenever people talk about the student loan situation. I feel most of it is caused by proliferation of students enrolling in junk majors that have a low probability of giving them a solid job, or simply overspending on a worthy major, giving a poor ratio of time and money spent vs future rewards.
Children and teenagers have spent their entire lives treating adults as the source of truth, wisdom, and advice. They hear adults say "choose a major you'll love, and then you'll never work a day in your life. plus, since you like it, you'll be great at it and so you'll make more money". This advice they receive often lacks in the practicality they need - the type that says you may love art, but your life isn't likely to be very happy if you struggle to pay the bills, weighed down by decades of student loan repayments. They need to be told to be realistic, and to analyze. And I agree that this type of foresight and analytics ability isn't common.
Some kids hear the warnings, but they think they'll be ok and will make great money as an art major, because their parents and teachers always told them how great and special they are, so they will beat the odds.
... and so 10 years later another one meets soul crushing loan debt.
18
B.A.C.A.H.
2019 Dec 23, 3:40pm
B.A.C.A.H.
2019 Dec 23, 3:40pm
PaisleyPattern says
Maybe those are fake.
But without thinking much I know three such situations. Probably lots more if I think about it.
You can hear them as callers on daveramsey podcast nearly every day.
I’ve been reading through these miserable testimonials. I’m starting to get the feeling that a lot of them are fake. Anyone else notice that?
Maybe those are fake.
But without thinking much I know three such situations. Probably lots more if I think about it.
You can hear them as callers on daveramsey podcast nearly every day.
19
Whoawhoawhoa
2019 Dec 23, 4:39pm
People blame the major so much, but maybe it's the student. I'm 32, 10 years out from undergrad with a BA in English from a low tier University of California school. Work in Healthcare Administration and make 90k. A friend who got her degree in Creative Writing is a Marketing Director and another friend with a degree in Film is an accountant for a studio. We all make about the same and all of us still have about 20k left in student loans. We all live in LA so struggle to pay them off quick with the high cost of living, but my point is I think our stories are more common than the media reports.
Probably didn't get a ton of skills out of college, but a degree still is the entry level requirement for middle management so I'm glad I went. If you move to where jobs are, work hard and dont expect to find "fulfillment" in your career and take what opportunities come, you'll have a good life. Might take more than a decade to pay off loans but whatever everyone has their burden.
Probably didn't get a ton of skills out of college, but a degree still is the entry level requirement for middle management so I'm glad I went. If you move to where jobs are, work hard and dont expect to find "fulfillment" in your career and take what opportunities come, you'll have a good life. Might take more than a decade to pay off loans but whatever everyone has their burden.
20
theoakman
2019 Dec 23, 4:53pm
willywonka says
I actually considered the MD/PhD route but chose not to because I was naive about the work involved for the PhD side of it. I didn't wantto be a career researcher so it didn't make sense for me to go that route either. That being said...from what I saw...the kids in that program do 3 years of grad school research and are essentially given a fake PhD. They have not gone through the same rigor as a real graduate student in science or engineering. Financially, it was free tuition and 27k a year stipend. Better than debt slavery.
The women go gaga because they think they are going to be rich. They'll divorce all those MD's once they realize they won't be able to buy a large home until age 45. The stipend system worked out well because they are paying high skilled employees essentially close to minimum wage. It does end up being a win/win...but it is a friggin grind.
theoakman saysI then chose to go to graduate school on a tuition free stipendI wonder how the stipend and no tuition system for the hard sciences (not PhD's in economics or psychology) evolved. I think getting an MD/PhD might be the way to go for those wanting to be MD's. Women go gaga over MD's. A buddy who never got laid before got into medical school, and women were all over him like flies on shit.
I actually considered the MD/PhD route but chose not to because I was naive about the work involved for the PhD side of it. I didn't wantto be a career researcher so it didn't make sense for me to go that route either. That being said...from what I saw...the kids in that program do 3 years of grad school research and are essentially given a fake PhD. They have not gone through the same rigor as a real graduate student in science or engineering. Financially, it was free tuition and 27k a year stipend. Better than debt slavery.
The women go gaga because they think they are going to be rich. They'll divorce all those MD's once they realize they won't be able to buy a large home until age 45. The stipend system worked out well because they are paying high skilled employees essentially close to minimum wage. It does end up being a win/win...but it is a friggin grind.
21
PaisleyPattern
2019 Dec 23, 11:53pm
B.A.C.A.H. says
Funny, I used to listen to Dave Ramsey quite a bit a few years ago, I was pretty sure a lot of those calls were fake too. I started to notice a pattern, there were calls by people who had a ton of money but were clueless about investing, there were calls from people who were very informed and knew all about investing and Dave’s baby step program, and had dug themselves out of debt and would call in just to celebrate and thank Dave, there were calls from people who were totally in debt and clueless, and there were calls from old people with no money for whom it was too late to recover. There was a careful sequence of calls designed to manipulate the audience’s feelings, by being made anxious by the old people. for whom it’s too late, impressed and inspired by the people who had followed Dave’s steps, envious of the people who had a lot of money, and then they go to a commercial and it’s an advertisement for Dave’s financial advisor affiliates and for his Baby step program. I swear it is choreographed to manipulate people to buy what he is selling. It makes sense , the whole show is just a sales routine.
PaisleyPattern saysI’ve been reading through these miserable testimonials. I’m starting to get the feeling that a lot of them are fake. Anyone else notice that?
Maybe those are fake.
But without thinking much I know three such situations. Probably lots more if I think about it.
You can hear them as callers on daveramsey podcast nearly every day.
Funny, I used to listen to Dave Ramsey quite a bit a few years ago, I was pretty sure a lot of those calls were fake too. I started to notice a pattern, there were calls by people who had a ton of money but were clueless about investing, there were calls from people who were very informed and knew all about investing and Dave’s baby step program, and had dug themselves out of debt and would call in just to celebrate and thank Dave, there were calls from people who were totally in debt and clueless, and there were calls from old people with no money for whom it was too late to recover. There was a careful sequence of calls designed to manipulate the audience’s feelings, by being made anxious by the old people. for whom it’s too late, impressed and inspired by the people who had followed Dave’s steps, envious of the people who had a lot of money, and then they go to a commercial and it’s an advertisement for Dave’s financial advisor affiliates and for his Baby step program. I swear it is choreographed to manipulate people to buy what he is selling. It makes sense , the whole show is just a sales routine.
22
Booger
2019 Dec 24, 5:54am
Booger
2019 Dec 24, 5:54am
Whoawhoawhoa says
I think that we have already established that it's mostly stupid people having student loan issues.
People blame the major so much, but maybe it's the student.
I think that we have already established that it's mostly stupid people having student loan issues.
23
CBOEtrader
2019 Dec 24, 7:36am
CBOEtrader
2019 Dec 24, 7:36am
willywonka says
Most parents dont think of the costs, just the pride they will feel when lil Adam graduates from Rice, w an illustrious degree! (At least the kids from Rice are more often engineers.)
Many upper middle class type parents see university as the only path to a continued upper middle class or better life.
I grew up around a lot of rich kids. Half my buddies in Chicago went to the "Mean Girl" high school in Winnetka. Literally NONE of them can afford a house on par w their parents' homes in Winnetka. Not. A. Single. One. All of them went to top tier universities.
Expecting 18 year-olds to do so is not realistic for most.
Most parents dont think of the costs, just the pride they will feel when lil Adam graduates from Rice, w an illustrious degree! (At least the kids from Rice are more often engineers.)
Many upper middle class type parents see university as the only path to a continued upper middle class or better life.
I grew up around a lot of rich kids. Half my buddies in Chicago went to the "Mean Girl" high school in Winnetka. Literally NONE of them can afford a house on par w their parents' homes in Winnetka. Not. A. Single. One. All of them went to top tier universities.
24
Al_Sharpton_for_President
2019 Dec 24, 8:25am
Al_Sharpton_for_President
2019 Dec 24, 8:25am
CBOEtrader says
I grew up around a lot of rich kids. Half my buddies in Chicago went to the "Mean Girl" high school in Winnetka. Literally NONE of them can afford a house on par w their parents' homes in Winnetka. Not. A. Single. One. All of them went to top tier universities.Society needs barristas.
25
NDrLoR
2019 Dec 24, 9:01am
NDrLoR
2019 Dec 24, 9:01am
theoakman says
PaisleyPattern says
to sit in an office, prescribe some antibiotics, and collect a high salary.And have to ante up every year for a huge liability policy.
PaisleyPattern says
I swear it is choreographed to manipulate people to buy what he is selling. It makes sense , the whole show is just a sales routine.I noticed that too before he left the air here. I often wondered if his show wasn't just a big infomercial.
26
PaisleyPattern
2019 Dec 24, 9:17am
NDrLoR says
Unless it’s completely illegal to do that, there’s no reason they wouldn’t do it. The whole goal of the talkshow is to sell what they’re advertising. In this case the talkshow is the advertising as well. I also think radio shows like Rush Limbaugh also have a lot of fake calls. I started to recognize a pattern on there as well. In particular there will be the female caller who calls in and at first she has a strong southern accent and she sounds like a hick housewife from the country, and then slowly she transitions into a political guru and is educating Rush on all the inside details of a particular issue. If it just happened once, maybe I wouldn’t think anything of it but that type of call happens all the time. Also makes sense, these shows are a combination of advertising and political campaigning, unless it’s illegal, fake calls would definitely help.
theoakman saysto sit in an office, prescribe some antibiotics, and collect a high salary.And have to ante up every year for a huge liability policy.
PaisleyPattern saysI swear it is choreographed to manipulate people to buy what he is selling. It makes sense , the whole show is just a sales routine.I noticed that too before he left the air here. I often wondered if his show wasn't just a big infomercial.
Unless it’s completely illegal to do that, there’s no reason they wouldn’t do it. The whole goal of the talkshow is to sell what they’re advertising. In this case the talkshow is the advertising as well. I also think radio shows like Rush Limbaugh also have a lot of fake calls. I started to recognize a pattern on there as well. In particular there will be the female caller who calls in and at first she has a strong southern accent and she sounds like a hick housewife from the country, and then slowly she transitions into a political guru and is educating Rush on all the inside details of a particular issue. If it just happened once, maybe I wouldn’t think anything of it but that type of call happens all the time. Also makes sense, these shows are a combination of advertising and political campaigning, unless it’s illegal, fake calls would definitely help.
27
WookieMan
2019 Dec 24, 9:22am
WookieMan
2019 Dec 24, 9:22am
PaisleyPattern says
= $$$$ Follow the $$$$
It's all bullshit. Some know it, most don't. Learn to work within the system and you'll do well. Those that complain about it though aren't going to do well.
advertising
= $$$$ Follow the $$$$
It's all bullshit. Some know it, most don't. Learn to work within the system and you'll do well. Those that complain about it though aren't going to do well.
28
B.A.C.A.H.
2019 Dec 24, 9:32am
B.A.C.A.H.
2019 Dec 24, 9:32am
PaisleyPattern says
I'll have to put my tin hat on next time I listen.
Also makes sense, these shows are a combination of advertising and political campaigning, unless it’s illegal, fake calls would definitely help.
I'll have to put my tin hat on next time I listen.
29
PaisleyPattern
2019 Dec 24, 9:48am
B.A.C.A.H. says
Tinfoil hats actually work you know.
PaisleyPattern saysAlso makes sense, these shows are a combination of advertising and political campaigning, unless it’s illegal, fake calls would definitely help.
I'll have to put my tin hat on next time I listen.
Tinfoil hats actually work you know.
I am the Aunt and cosigner on my nephew's Parent Plus Loans. My nephew have been out of college for about 4 years and owes approximately $200,000. In debt including the Parent Plus Loans which he is helping pay back. I read that Debt Consolidation might be a way to lower our monthly payments.
A willing victim of the so-called "Law School Scam," I'm currently $360,000.00 in student loan debt and counting and this is after making a lump sum payment of $16,000.00 to rid myself of the toxic "Bar Study Loan" offered by Sallie Mae.
After graduating in 1999 from Montserrat College of Art in Beverly, my employment history was not consistent, and I, at times did not have work.
I got a BS in History with the dream of working in my chosen field. I was encouraged upon my exit interview just before college graduation ("they'll beat a path to your door")
For my undergraduate degree, I had great scholarships, but had to borrow money to live on, even though I worked 20 hrs a week through school. After graduation, people suggested I go to graduate school, to continue my path as a sculptor.
I returned to college in my fifties. Now, at nearly 67, I have over $66,000 of debt that I will never be able to repay
I went to under grad out of state. The school was terrific and I don't regret the experience. I do however regret not understanding from the beginning that it would cost me around $160,000....for a BS in Management and Entrepreneurship.
https://studentdebtcrisis.org/read-student-debt-stories/