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so you ed up and you want somebody else (oh, i'm sorry 'the government') to bail your miserable ass out?
and you didn't go to k-12 free. your parents paid taxes so your ass could go to school.
cry me a ing river you ing pussy.
I know this issue is probably not really high on the priority list right now but it matters to me. I went to college for 5 and a half years and I'm over 40,000 dollars in college loan debt that I will be paying back until I'm dead. I just wish that Obama or any future president would do something about this problem. There are millions of Americans that are in the same boat as me. They have to put themselves in debt with college loans just to get a college degree. That's not right or fair in my opinion. You shouldn't have to dig yourself a hole in debt just so you can get a college degree. Obama probably won't do anything about it. I will admit that I did make mistakes during my college years when it came to borrowing money for college. If I could go back and do it again, I probably would. It just makes me mad that I'm stuck with a huge amount of debt just so I could get a college degree. And what have I done with my college degree? Nothing. I wasted 5 and a half years in college and borrowed over 40,000 dollars and it all got me was a job at a retail store. The president or someone high up needs to make it where poor students can go to college at dirt cheap prices or at least make it where they don't have to be in tens of thousands of dollars in debt because of college loans. Why is it that you go to school for free from K-12th grade but when you get to college, you basically have to sell your soul to pay for it?
Anyone in the same boat as me?
so you ed up and you want somebody else (oh, i'm sorry 'the government') to bail your miserable ass out?
and you didn't go to k-12 free. your parents paid taxes so your ass could go to school.
cry me a ing river you ing pussy.
Obama had more loans then you then got lucky
his wife had more debts to
If you are only $40k in debt after five years, you did go to college for a dirt cheap price.
Sounds like college wasn't the right path to take in life. I would of bailed at the first sign of needing to be there almost 6 years. Hindsight is 20/20.
Good luck finding people that support bailing you out $40k. That is several years of income tax from one person.
That K-12 education you got was anything but free. The taxpayers funded your high school diploma. If you want a college one you can pay for it yourself. If you don't feel you got your money's worth, then sorry. But that's your problem. Not the taxpayers.
Let me get this straight... you're asking us, the tax-paying american people, to fund six years of your college education that, you admit, only landed you a retail store job.
Hmm... no thanks.
I would add... I have what I would consider a better job than yours, and I don't have a college degree. So, something doesn't really jive there.
40k aint . the avg pilot "graduates" flight school with more than that. It costs at least that much to get your ratings/licenses. Not to mention the required college degree. And the awesome job you get making 12 bucks an hr as a flight instructor building hrs and the even better entry level job you make for "20" bucks/hr as a regional airline pilot.
Want free college? shoulda joined the armed forces. GI Bill right now is 12k/semester for texas plus housiing allowance and book stipend. Can be more/less for tuition depending on what state you go to school at.
Dang, who pissed in your kool-aid? I was just saying that it frustrates me that I owe that much on college loans. I'm sorry if that offends you. Besides, I am in' right about college being too damn expensive. You shouldn't have to put yourself in debt just to get a piece of paper that says you graduated from college. And I have a stupid retail job because the in job market is ty. I was desperate and took whatever I could find. You try getting a good job when the unemployment rate is 9.5%. I did up with my college experience. I wasted two years going to a judgmental ty Baptist university. After that, I got some sense and went to a community for two semesters and paid for both semesters with my own money. Once I was done there, I transferred to Texas A&M at Commerce and graduated finally. My stupid high school teachers sucked ass on preparing me for college. All they cared about was if we passed the TAAS, TASP test, or whatever it's called now. I worked my ass off to get my damn college degree. A lot of people would have quit if they had been in my situation but I didn't. Besides, it would have been a waste. The best thing to do when you're going to attend college is: attend a community college for 1st two years then transfer over to a state university. If I had known that, I would have done that but I was a dumbass and I ed myself by borrowing so much damn money. I need to write a book on that . Wouldn't you be pissed if you were a college graduate and you were stuck working at a store? No offense to people who work at stores but that's not something I want to do for the rest of my life. Some people might enjoy and love working at retail or grocery stores and that's cool but it's not for me.
What career did you graduate in?
I got a BS in psychology. I picked psychology because I've always found it interesting. The one bad thing about psychology is that you have to do massive amounts of schooling to make the big bucks.
Oh yeah, I don't know about you but 40K is a lot of ing money to me. When you've lived in the upper part of the lower class and the lower part of the middle class all your life, that is a lot of money. 1,000 dollars is a lot to me. You have to realize that not everyone comes from wealthy families or families that are well off. Not everyone is able to have their mommy and daddy pay for their college tuition. And I tried the military thing. It didn't work out because of my anxiety and flat feet. People don't realize this but the military is still anal about flat feet. If the military would have let me in, I would have served time there to get a free college education but it didn't work out.
I think you're simply impatient. I understand you want to get a $120k/year job right off the bat, but a lot of times it's not like that. Especially in this economy. So you need to be patient. While you do your retail store work, see if you can get yourself some work experience on your field somewhere else. Look for internships and stuff like that. They won't pay big bucks (or much at all) to start with, but will help you build up your resume and connect yourself with people in your field that could eventually land you a better job.
It takes work and time to get ahead in life. But if you do work hard, once the economy turns around a bit, you'll do fine.
Let's revisit this 15-20 years from now, and let's see if you still owe that much, or anything at all.
120K a year? I'd be happy even if I was making between 25K to 35K. Well, I kinda knew that I wasn't going to get a dream job right after college. I just was always told by my ty high school teachers that going to college and having a college degree makes your life better. And I wouldn't say I'm not patient. When you've gone without sex for 26 years, you definitely learn patience.
Then shut up, stop whining and put more effort into getting into a field that is for you. Opportunity is always out there, you just got go after it.
$40kthat's less than my truck cost.
Your teachers were just giving you sound advice based on statistics. Statistically speaking, those with college degrees do generally better than those without.
You need to take this as a multi-tiered task. Your first tier was to go through school and earn your degree. Second tier is gaining experience and making a name for yourself. The last tier will hopefully be making a living off what you like, paying off what you owe, and living a fulfilling life.
It's a journey. It takes time.
Look son, one thing you are going to have to learn about life is none of us give half a about you. We don't care how hard you worked to get a degree. We don't care about how hard it is to find a job. You don't matter. Frankly, I'm annoyed that you couldn't figure out that as a member of the lower class, you're not supposed to get educated. You probably took a spot away from somebody with more money who deserved it more.
You are simply a pawn to be used by people who actually matter in this world. Now stop trying to make something of yourself and go get high on meth.
When I am (finally) done with college, I will be in a similar boat: 38k-42k in debt. That is after 7 years (and numerous internships).
And you know what? I am happy to pay it. Unlike a car, or an apartment, that 40k will have been value added. It might get my foot in the door somewhere. In the mean time, I will work for myself, and take internships where I can.
My siblings (one is going to a much more costly university, and another to the same) will be in far worse shape. But that's OK. One will be a bio-medical engineer, and the other a psychiatrist. Even 80k is nothing, as long as you are smart about your money.
It will suck paying for those loans for a while, but as long as you are at least part time in school, those loans are deferred. Think about getting your masters right away. I certainly will.
It would be nice if higher education was less expensive. I don't understand why some universities charge 400 dollars a credit hour. I just want a degree, not a sport arena, and certainly not some space-aged building that just hikes my tuition. I can understand private universities charging an arm and a leg, but a public one? Asinine. I am paying for red tape and bad professors' tenure. IMHO, that is wrong.
Solve that problem, and you will be well compensated my friend.
Jacob,
It sucks, and I empathize, but you have to keep fighting. Just stick with your job and look for openings.
Another good idea to get your foot in the door is to call around some local psychologists and ask if there is any mentoring program you could go through. Sure, it'd suck to work for free, but at least then you get some real-life experience.
It does not take an entire lifetime to pay back $40k...
But yeah, life sucks.
Let yours be a cautionary tale. If you live in a county with a community college, you can attend there for very little the first two years and stay at home. The majority of that cost can be retrieved through your tax credit. You can also work during community college to save up for the two years that will cost you more. If money is an issue, you do not have to attend a private school- which it sounds like you did at one time- and again many students work while they are in college. Just because loans are offered does not mean you should accept them.
In addition, programs exist that will pay back student loans for you. Look into those, especially with a psychology degree.
Student Loan ForgivenessStudent Loan Forgiveness Programs for Charitable Volunteers
When you spread kindness and goodwill, VISTA (Volunteers in Service to America), the Peace Corps, and Americorps, and return the favor by paying off a percentage of your student loan.
VISTA rewards its volunteers with $4,725 after completing 1700 hours worth of service. VISTA’s mission is to eliminate hunger, illiteracy, poverty, and homelessness. Learn more by calling 1-800-942-2677.
The Peace Corps rewards it volunteers in more ways than just good feelings. The Corps will repay 15% of a volunteer’s qualified student loans for each year of service until 70% of the starting balance is repaid. To discuss this opportunity further, contact the Peace Corp at 1-800-424-8580.
Americorps is the branch of the Peace Corps that operates within the United States. Americorps rewards volunteers with $4,725 after 1 year of volunteer work. You can discuss this student loan forgiveness opportunity with an Americorps representative by calling 1-800-942-2677.
VISTA's pretty stingy... 1700 hours worth of service for 4,725? That equals out to about 2.77 per hour...
add a house and car
and you are 300k in debt easily
then people want to know why they are broke
Well, without even yet reading other peoples responses yet...
Why do you want more government involvement?
They are the source or more problems than solutions.
We have had an educational crisis ever since the Department of Education was formed.
You know what the dirty secret is. There are only so many jobs available in each field. People talk about getting near 100% participation in college, but you still only have X number of jobs in a given field.
Got to be the best of the best for some fields. Otherwise, you just wasted your money.
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