Hillary proposed policy: debt free college

[RandomGuy]

At the risk of actually (gasp) debating policy proposals:

"Hillary will make debt-free college available to everyone and take on student loan debt."

Here’s what every student and family should expect under Hillary’s plan:

Costs won’t be a barrier
Every student should have the option to graduate from a public college or university in their state without taking on any student debt. By 2021, families with income up to $125,000 will pay no tuition at in-state four-year public colleges and universities. And from the beginning, every student from a family making $85,000 a year or less will be able to go to an in-state four-year public college or university without paying tuition.
All community colleges will offer free tuition.
Everyone will do their part. States will have to step up and invest in higher education, and colleges and universities will be held accountable for the success of their students and for controlling tuition costs.
A $25 billion fund will support historically black colleges and universities, Hispanic-serving institutions, and other minority-serving institutions in building new ladders of opportunity for students. Read Hillary’s agenda to support HBCUs and minority-focused institutions here.
The one-quarter of all college students who are also parents will get the support they need and the resources they deserve. Read more about Hillary’s plan to support student parents here.


Read the fact sheet (https://www.hillaryclinton.com/briefing/factsheets/2016/07/06/hillary-clintons-commitment-a-debt-free-future-for-americas-graduates/)
Debt won’t hold you back

Borrowers will be able to refinance loans at current rates, providing debt relief to an estimated 25 million people. They’ll never have to pay back more than 10 percent of their income, and all remaining college debt will be forgiven after 20 years.
Delinquent borrowers and those in default will get help to protect their credit and get back on their feet.
To reduce the burden for future borrowers, Hillary will significantly cut interest rates so the government never profits from college student loans.
Hillary’s plan will crack down on predatory schools, lenders, and bill collectors.
A new payroll deduction portal for employers and employees will simplify the repayment process—and Hillary will explore more options to encourage employers to help pay down student debt.
Aspiring entrepreneurs will be able to defer their loans with no payments or interest for up to three years. Social entrepreneurs and those starting new enterprises in distressed communities will be eligible for up to $17,500 in loan forgiveness.
Hillary will take immediate executive action to offer a three-month moratorium on student loan payments to all federal loan borrowers. That will give every borrower a chance to consolidate their loans, sign up for income-based repayment plans, and take advantage of opportunities to reduce their monthly interest payments and fees.


Read the fact sheet (https://www.hillaryclinton.com/briefing/factsheets/2016/07/06/hillary-clintons-commitment-a-debt-free-future-for-americas-graduates/)
Fully paid for: This plan will be fully paid for by limiting certain tax expenditures for high-income taxpayers.

https://www.hillaryclinton.com/briefing/factsheets/2016/07/06/hillary-clintons-commitment-a-debt-free-future-for-americas-graduates/

[ducks]

so the ones that get free education are they going to have to get atleast a c average?
I paid for my schooling and I worked hard it did not hurt me!

she takes about trumps bankrupacies hurting small businesses what up the small business that loan up to 17,500 and they have to forgive it?

[Bender]

Vote for me!!!

Free stuff for everybody!!!

[rmt]

Read the fact sheet (https://www.hillaryclinton.com/briefing/factsheets/2016/07/06/hillary-clintons-commitment-a-debt-free-future-for-americas-graduates/)
Fully paid for: This plan will be fully paid for by limiting certain tax expenditures for high-income taxpayers.

https://www.hillaryclinton.com/briefing/factsheets/2016/07/06/hillary-clintons-commitment-a-debt-free-future-for-americas-graduates/

Where do you see the bolded? Who will believe that all that can be paid for by limiting certain tax expenditures for high-income taxpayers? Those who believed that we could keep our doctors, our plans and get back $2500?

[hater]

:lmao college debts is about the easiest debt to pay off. Only alcoholics, drug addicts and losers fail to pay a college debt :lmao

[baseline bum]

What the fuck, is Santa Claus running for office? This kind of stuff works in Europe because you have to actually earn your place into college, they don't just let anyone go to college after high school. This is a retarded solution in America where everyone is a unique slowflake and gets to go to college.

[DarrinS]

That plan doesn't get my kids free college.


And OP should research why tuition has become so expensive.

[Will Hunting]

A $25 billion fund will support historically black colleges and universities, Hispanic-serving institutions, and other minority-serving institutions in building new ladders of opportunity for students. Read Hillary’s agenda to support HBCUs and minority-focused institutions here.




So what about poor white people? They don't get a fund?

I really don't understand why we worship and praise "minority focused" institutions even though they're completely the same thing as "whites only" bathrooms/schools/etc.

[vy65]

What the fuck, is Santa Claus running for office? This kind of stuff works in Europe because you have to actually earn your place into college, they don't just let anyone go to college after high school. This is a retarded solution in America where everyone is a unique slowflake and gets to go to college.

[rmt]

Can you imagine if Americans were told - no, you can't go into the field you want to go into - you have to score xxx on college entrance test - if you don't score high enough, you can't be a xxxx, you have to go into a vocation and these are the fields we need people in.

[SnakeBoy]

Fully paid for: This plan will be fully paid for by limiting certain tax expenditures for high-income taxpayers.


Show us the math or GFY Hillary shill.

[spurraider21]

Everyone will do their part. States will have to step up and invest in higher education, and colleges and universities will be held accountable for the success of their students and for controlling tuition costs.
:lmao good luck with that

[Wild Cobra]

Such stupid plans.

Give everyone college like 12th grade, and we it will then take a college degree to get a job flipping burgers.

We need more jobs. Not more education.

[Xevious]

Such stupid plans.

Give everyone college like 12th grade, and we it will then take a college degree to get a job flipping burgers.

We need more jobs. Not more education.
Basically. Not everybody needs a four year degree.

[z0sa]

"Hillary Clinton’s plan requires everyone to do their part. The federal government will make a major new investment to make this possible, but states will have to step up and meet their obligations as well."

Now, a rehash from Comrade Rainbow and Unicorns' himself: "The cost of this $75 billion a year plan is fully paid for by imposing a tax of a fraction of a percent on Wall Street speculators who nearly destroyed the economy seven years ago. More than 1,000 economists have endorsed a tax on Wall Street speculation and today some 40 countries throughout the world have imposed a similar tax including Britain, Germany, France, Switzerland, and China. If the taxpayers of this country could bailout Wall Street in 2008, we can make public colleges and universities tuition free and debt free throughout the country."

:lol how anyone can stomach Hillary at this point.

[CosmicCowboy]

States will have to step up and invest in higher education

unfunded mandate

Sounds illegal. Federal Government isn't supposed to be able to pass laws that directly push the funding of such laws to the states.

[RandomGuy]

Show us the math or GFY Hillary shill.

I can go looking, because I am not lazy.

Now, please do the same for any aspect of Trumps proposed policy plans.

Quid pro quo.

[RandomGuy]

unfunded mandate

Sounds illegal. Federal Government isn't supposed to be able to pass laws that directly push the funding of such laws to the states.

Not quite. "States will be required to" would be a mandate.

You appear to be hanging your hat on some rather thin language.

What can be done though, is work with states to see what they can, or are willing to do.

States that want to invest in higher education, will attract more college educated people, which tends to attract better jobs. Simple competition will do the rest, free markets at work.

[RandomGuy]

Basically. Not everybody needs a four year degree.

Agreed.

The trades are going to experience a rather acute shortage in a few years. Vocational pipelines have been broken for a generation. Older electricians and plumbers are getting set to retire, with many less people coming into those trades than went into them.

[RandomGuy]

:lol how anyone can stomach Hillary at this point.

http://images.dailykos.com/images/267461/story_image/TMW2016-06-29colorEXTENDED.png?1466958377

Very easily.

Every single one of those quotes is word-for-word from the man himself.

Voting green or libertarian, when this guy is in the offing is, in my opinion, irresponsible, however attractive the candidates are.

In the past it has been somewhat about choice and vision, this time around, it is about disaster or non-disaster.

[RandomGuy]

Such stupid plans.

Give everyone college like 12th grade, and we it will then take a college degree to get a job flipping burgers.

We need more jobs. Not more education.

Agreed, for the most part.

Trumps trade policy will destroy jobs, and lower living standards. Basic economics.

[RandomGuy]

What the fuck, is Santa Claus running for office? This kind of stuff works in Europe because you have to actually earn your place into college, they don't just let anyone go to college after high school. This is a retarded solution in America where everyone is a unique slowflake and gets to go to college.

Agreed for the most part.

The problem though, is student debt required.

It seems to be a looming problem that is hobbling a lot of younger people. even people who think that it isn't that bad still think we need to do SOMETHING.


Student debt crisis 'skeptics' question conventional wisdom
By MEL LEONOR 08/25/16 10:00 AM EDT
With help from Caitlin Emma, Kimberly Hefling, Mike Vasquez and Helena Bottemiller Evich.
IS THERE REALLY A STUDENT DEBT CRISIS? The nation’s $1.3 trillion in student loan debt has become a hot-button issue during the 2016 presidential campaign. But some education policy experts argue that the conventional wisdom is wrong on this issue, and America’s so-called “student loan crisis” doesn’t actually exist. “Most people who borrow are not crushed by their student debt,” said Sandy Baum of the Urban Policy Institute. Baum recently published a book calling the debt crisis narrative “bogus” and “misleading” [http://bit.ly/2bWXklg]. Borrowers, she said, “are much better off than they would have been if they would not have borrowed — and not gone to college.” In recent weeks, Baum’s book has been highlighted in media outlets such as NPR and MarketWatch.
Story Continued Below

— Baum and others argue that as long as students can manage their debt — by earning a degree that leads to a well-paying job — then there is no crisis to worry about. A July report [http://bit.ly/2boHSf7] by the Obama administration’s Council of Economic Advisers says rising debt hasn’t been a major factor in the macroeconomy, thought it didn’t discount the fact that some individual borrowers may be in trouble. Beth Akers of the Brookings Institution said that heavy levels of borrowing are the exception among undergraduate students. Akers also has a book coming out (with co-author Matthew Chingos) that criticizes the “crisis” narrative surrounding student debt. [http://bit.ly/2boI0ew] The largest student loan balances, they argue, are tied to graduate degrees, which data shows often come with higher incomes. Almost half of all student debt, they say, is held by the nation’s richest households — the top fifth by income.
— Skeptics of the “crisis” narrative still say the borrowing system needs improvement. Clearly, there are many borrowers stuck with debt they can’t repay. “We have a series of small crises which are not being addressed because ... we’ve mischaracterized the problem,” Akers told Morning Education. Both Akers and Baum agreed that borrowers who don’t complete their degrees are often in the most trouble, which begs for a better up-front assessment of risk. Akers and Chingos write that “a student attending a low-quality program that is unlikely to lead to a good job can borrow just as much as any student from the federal government.”


Read more: http://www.politico.com/tipsheets/morning-education/2016/08/student-debt-crisis-skeptics-question-conventional-wisdom-216071#ixzz4J6ljsRDt




What that is... not sure what the best solution is. Wish I had a magic bullet.

[Xevious]

Agreed.

The trades are going to experience a rather acute shortage in a few years. Vocational pipelines have been broken for a generation. Older electricians and plumbers are getting set to retire, with many less people coming into those trades than went into them.
We have one candidate that wants to further dilute our middle class workforce, and one that wants to deport all of our manual labor. :lol

[CosmicCowboy]

Agreed.

The trades are going to experience a rather acute shortage in a few years. Vocational pipelines have been broken for a generation. Older electricians and plumbers are getting set to retire, with many less people coming into those trades than went into them.

I have a terrible time hiring young guys that can eventually be trained to do what my company does. It seems like mechanical skills and common mechanical/safety sense are something that is easier to acquire if used at an early age. An analogy would be growing up speaking a second language. A lot of the "city kids" I have hired turn out to be totally useless and a danger to themselves and others. Sadly, I have seen a pattern where kids that grew up in single parent homes were especially deficient in that ability.

[Wild Cobra]

unfunded mandate

Sounds illegal. Federal Government isn't supposed to be able to pass laws that directly push the funding of such laws to the states.

Every congress and president does it though.

[Chucho]

Most American kids just aren't fit to go to college. Sorry, but this generation is really, really fucking stupid...not just due to the public school system, but overall bad parenting and lack of parents in general.

[Wild Cobra]

Most American kids just aren't fit to go to college. Sorry, but this generation is really, really fucking stupid...not just due to the public school system, but overall bad parenting and lack of parents in general.

I completely agree. Compared to a few decades back, humanity in the USA is pathetic.

[SnakeBoy]

I can go looking, because I am not lazy.

Now, please do the same for any aspect of Trumps proposed policy plans.

Quid pro quo.

I'm not the one starting threads about how great Trump is so I don't need to defend the guy. And you just admitted you have no idea if the Shillary's plan is fully paid for.

[spurraider21]

Not quite. "States will be required to" would be a mandate.

You appear to be hanging your hat on some rather thin language.

What can be done though, is work with states to see what they can, or are willing to do.

States that want to invest in higher education, will attract more college educated people, which tends to attract better jobs. Simple competition will do the rest, free markets at work.
No its just her bullshit excuse for when her plan doesn't go through. Passing the buck along

[z0sa]

http://images.dailykos.com/images/267461/story_image/TMW2016-06-29colorEXTENDED.png?1466958377

Very easily.

Every single one of those quotes is word-for-word from the man himself.

Voting green or libertarian, when this guy is in the offing is, in my opinion, irresponsible, however attractive the candidates are.

In the past it has been somewhat about choice and vision, this time around, it is about disaster or non-disaster.

But don't you see my friend, therein lies the tragedy. Too many people worried about a Trump presidency that Bernie was purposefully swept under the rug, not just by the media, but by the DNC itself. I'm not saying anything was fixed or whatever. But it's absolutely factual pointing out the party establishment and the corporate media showed strong favoritism towards the Clinton camp. Purely objectively speaking, the Democratic Party, other than Big O, seems akin to a circus act. Just because the Trump Show owns center stage doesn't make that any less true.

[ElNono]

Amazon Suddenly Stops Selling Student Loans

"The promotion has ended," a bank spokesperson said. After more than a year of preparation, Amazon's partnership with Wells Fargo to sell student loans (https://news.slashdot.org/story/16/07/21/209206/amazon-wants-to-sell-you-everything-including-student-loans) barely lasted six weeks. An anonymous reader quotes Bloomberg: It's another black eye for Wells Fargo's student loan business (http://www.bloomberg.com/news/articles/2016-08-31/amazon-and-wells-fargo-terminate-student-loan-partnership), which just last week agreed to pay $3.6 million to the federal Consumer Financial Protection Bureau to settle claims that it misled borrowers, illegally charged certain fees (http://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-wells-fargo-illegal-student-loan-servicing-practices/), and processed payments in a way designed to maximize late fees. Wells Fargo neither admitted nor denied wrongdoing.

The article sites a consumer advocate who both Amazon and Wells Fargo were hiding the high costs of the loans, as well as their inflexible terms for repayment, in a "cynical attempt to dupe current students." The Washington Post noted that interest rates for community colleges and for-profit institutions "can climb to nearly 14%." (https://www.washingtonpost.com/news/grade-point/wp/2016/08/31/amazon-and-wells-fargo-part-ways-on-private-student-loan-deal/)

[ducks]

I wonder why she is saying this oh wait she wants the younger generation vote

[Xevious]

I wonder why she is saying this oh wait she wants the younger generation vote

It'll probably work. Trump on the other hand seems content with the middle-aged, uneducated, white vote thinking that will be enough to win it.

[rmt]

It'll probably work. Trump on the other hand seems content with the middle-aged, uneducated, white vote thinking that will be enough to win it.

Do you think he should promise debt free college (which is unlikely to pass if Repubs hold the House) just to get young people's votes? How else could he go after their vote (other than more jobs)?

[ducks]

most young people would vote for trump if he would wipe away their student debt it only came out months ago

[CosmicCowboy]

most young people would vote for trump if he would wipe away their student debt it only came out months ago

[baseline bum]

most young people would vote for trump if he would wipe away their student debt it only came out months ago

Most people would vote bin laden president if he wiped away their debt.

[RandomGuy]

most young people would vote for trump if he would wipe away their student debt it only came out months ago

It is a huge issue for young people.

[SnakeBoy]

It is a huge issue for young people.

Find that math yet or are you still looking for it?

[ducks]

It is a huge issue for young people.

yes they want to buy new cars new mansion and not pay for their education

[RandomGuy]

yes they want to buy new cars new mansion and not pay for their education

(shakes head) You and other Republicans keep shitting on millennials, see how that works out for you.

[RandomGuy]

But don't you see my friend, therein lies the tragedy. Too many people worried about a Trump presidency that Bernie was purposefully swept under the rug, not just by the media, but by the DNC itself. I'm not saying anything was fixed or whatever. But it's absolutely factual pointing out the party establishment and the corporate media showed strong favoritism towards the Clinton camp. Purely objectively speaking, the Democratic Party, other than Big O, seems akin to a circus act. Just because the Trump Show owns center stage doesn't make that any less true.

The party establishment went against Hillary in 08. Party establishment tends to think more strategically than your average voter. That is just the way things are. People go with their gut a lot more than one might think.

Bernie lost, he just... lost.

[101A]

The party establishment went against Hillary in 08. Party establishment tends to think more strategically than your average voter. That is just the way things are. People go with their gut a lot more than one might think.

Bernie lost, he just... lost.

Try some intellectual honesty. You know he was pushed to that loss, helped along, as it were, by the DNC. Emails prove it.

I can't remember when you got on the DNC payroll, was it in '06, '08, '10 or '12? You weren't a shill then, just a hell of a poster.

[baseline bum]

Try some intellectual honesty. You know he was pushed to that loss, helped along, as it were, by the DNC. Emails prove it.

I can't remember when you got on the DNC payroll, was it in '06, '08, '10 or '12? You weren't a shill then, just a hell of a poster.

Why would you expect a centist Democrat party to nominate a socialist instead of a center right candidate like Clinton?

[RandomGuy]

Try some intellectual honesty. You know he was pushed to that loss, helped along, as it were, by the DNC. Emails prove it.

I can't remember when you got on the DNC payroll, was it in '06, '08, '10 or '12? You weren't a shill then, just a hell of a poster.

Sure, be happy to admit that the scales were thumbed a bit. That is honest. I have readily acceded to that.

By how much? Enough to make a difference?

3,775,000 votes difference?

As for when I became a very convinced Democrat... about 2003. (iraq war) The fact that the crazies have taken over the GOP have made me very, very comfortable with that.

Up until a few years ago, I still had my "McCain 2000" t-shirt. Shoulda kept it.

[RandomGuy]

Why would you expect a centist Democrat party to nominate a socialist instead of a center right candidate like Clinton?

Many on the right don't see the Democratic party as centrist. That is how sucessful the Fox "news" et al. propaganda is.

The drum beat of "liberal media" boogeyman stories have even reasonable people like 101 believing that.

[101A]

Why would you expect a centist Democrat party to nominate a socialist instead of a center right candidate like Clinton?

Because he had excitement and enthusiasm behind him, as well as negatives below 50%, along with millennials turning out in great numbers almost exclusively for him. Many times a small, enthusiastic, group TRUMPS a larger, less enthusiastic one (see what I did there?)

After all, exactly what parts of the traditional Republican platform does Trump represent? It's a weird year, weird things happen.

Also, doesn't matter what I think. There is proof that the DNC was in the tank for Hillary. We'll never know what would have happened had they not been, or what other candidates never got in because they saw the writing on the wall.

[SnakeBoy]

Try some intellectual honesty. You know he was pushed to that loss, helped along, as it were, by the DNC. Emails prove it.

I can't remember when you got on the DNC payroll, was it in '06, '08, '10 or '12? You weren't a shill then, just a hell of a poster.

I'm not going to look for it but he started a thread some years ago declaring himself an Democrat. He's been a shill ever since. He was always left leaning but at least he used to think for himself before he decided to tow the party line.

[101A]

Sure, be happy to admit that the scales were thumbed a bit. That is honest. I have readily acceded to that.

By how much? Enough to make a difference?

3,775,000 votes difference?

As for when I became a very convinced Democrat... about 2003. (iraq war) The fact that the crazies have taken over the GOP have made me very, very comfortable with that.

Up until a few years ago, I still had my "McCain 2000" t-shirt. Shoulda kept it.

Nah, it wasn't '03. You joined here in '05, and I remember the transformation, so it had to have been after that. I wish I had Winhole's ability to recall threads from a decade ago, or how to search to find what I'm looking for....or if I wasn't so lazy.

[101A]

I'm not going to look for it but he started a thread some years ago declaring himself an Democrat. He's been a shill ever since. He was always left leaning but at least he used to think for himself before he decided to tow the party line.

I bet if we could see his tax records, we could figure it out.

[101A]

Sure, be happy to admit that the scales were thumbed a bit. That is honest. I have readily acceded to that.


I missed the confession. You are, or were, on the payroll of the DNC? To post on here and other places? Or did you have other jobs.

[baseline bum]

Because he had excitement and enthusiasm behind him, as well as negatives below 50%, along with millennials turning out in great numbers almost exclusively for him. Many times a small, enthusiastic, group TRUMPS a larger, less enthusiastic one (see what I did there?)

After all, exactly what parts of the traditional Republican platform does Trump represent? It's a weird year, weird things happen.

Also, doesn't matter what I think. There is proof that the DNC was in the tank for Hillary. We'll never know what would have happened had they not been, or what other candidates never got in because they saw the writing on the wall.

Young people don't ever vote in good numbers, so it wouldn't make sense for them to nominate someone who excites only them and who isn't even a member of the party. And of course the DNC was in the tank for Hillary, they're oligarchs just like she is. Having a social democrat running the nation is one of the last things they'd ever want to see. People want to act like the Democrats are still the party of Roosevelt but they have swung way over to the right to become a more centrist party since Clinton's nomination in 92. I can't imagine how bad Bernie's funding would have been in the general, though he would have actually had a chance since Trump is such an awful candidate (pretty much the only reason Clinton can win too).

[101A]

Young people don't ever vote in good numbers, so it wouldn't make sense for them to nominate someone who excites only them and who isn't even a member of the party. And of course the DNC was in the tank for Hillary, they're oligarchs just like she is. Having a social democrat running the nation is one of the last things they'd ever want to see. People want to act like the Democrats are still the party of Roosevelt but they have swung way over to the right to become a more centrist party since Clinton's nomination in 92. I can't imagine how bad Bernie's funding would have been in the general, though he would have actually had a chance since Trump is such an awful candidate (pretty much the only reason Clinton can win too).

So we agree on everything?

[SnakeBoy]

Young people don't ever vote in good numbers, so it wouldn't make sense for them to nominate someone who excites only them and who isn't even a member of the party. And of course the DNC was in the tank for Hillary, they're oligarchs just like she is. Having a social democrat running the nation is one of the last things they'd ever want to see. People want to act like the Democrats are still the party of Roosevelt but they have swung way over to the right to become a more centrist party since Clinton's nomination in 92. I can't imagine how bad Bernie's funding would have been in the general, though he would have actually had a chance since Trump is such an awful candidate (pretty much the only reason Clinton can win too).

Bernie vs Trump would have been a win win. I wanted Trump to win the primaries as a message to the GOP to get their shit together or this is what we'll give you. I think Bernie's popularity was more about sending the same message to the Democrats, rather than all about "free shit". Now the choice is either slap both parties in the face by sending them Trump for 4 years or tell them we want business as usual. I'm pretty sure it will be business as usual in November and I have my doubts as to whether the GOP will learn anything from this. It doesn't sound like it listening to the usual GOP "establishment" types.

[Spurminator]

yes they want to buy new cars new mansion and not pay for their education

Millennials want a nice urban loft, not a mansion. And they're paying more for education than anyone before them.

[ducks]

Millennials want a nice urban loft, not a mansion. And they're paying more for education than anyone before them.

they are also paying more for cars then before them to

[Spurminator]

they are also paying more for cars then before them to

A lower percentage of Millennials are driving cars than the previous three or four generations.

[spurraider21]

I wonder why she is saying this oh wait she wants the younger generation vote
a politician running for elected office wants votes? :wow

its almost as if trump has been reaching out to blacks because he wants the black vote :wow

[ducks]

dude listen to jesse jackson on trump
he wants to help black

[baseline bum]

dude listen to jesse jackson on trump
he wants to help black

Fuck Jesse Jackson