If you think you have it bad, just be glad you dont have $1mil in student loan debt

[Anonymous No.26106939]

https://www.youtube.com/watch?v=3NzgMqIbZc8
>my interest is $5800/month
The absolute state of our education system

[Anonymous No.26106953]

at that point id just leave the country kek

[SchiffNigger No.26106979]

JUSTin

[Anonymous No.26106988]

>>26106953
Apparently this is somewhat normal for orthodontists, who do have a pretty high potential to make shitloads. But still lol, I agree, this should be criminal

[Anonymous No.26107020]

>>26106979
kek I missed that

[Anonymous No.26107170]

>>26106939
Jesus christ. Poor americucks. In the uk you don't even pay student loans until you make £30k a year and even then it's only £20 a month. It gets written off after 30 years. You never actually pay them unless you become a multi millionaire and even then, it's a fairly reasonable sum (30k for a 3 year course)

[Anonymous No.26107187]

>college education
>too retarded to understand interest
the irony of it all

[Anonymous No.26107225]

>>26106939
>Dave: "The borrower is slave to the "lender".
Dave is low-key redpilled.

[Anonymous No.26107265]

>>26107187
that's why they get you before you learn all that shit.

[Anonymous No.26107271]

Why wouldn't you just declare bankruptcy? She's not paying that back.

[Anonymous No.26107297]

>>26106939
WTF are you studying to take out that much debt!?

[Anonymous No.26107300]

>>26106939
>my interest is $5800/month
Enjoy your private schools backed by jews, nigger!

[Anonymous No.26107330]

>>26107170
Its sort of similar here in canada except we basically just get charged no interest on the federal and provincial student loans (I think its like 0.5% or something). And the same orthodontist degree here would probably cost like $100-200k in total (not including living expenses obviously), so its actually feasible to pay it back in a reasonable amount of time if you're making $200k/yr~. I think we can also get them forgiven by declaring bankruptcy, where I dont think sallie mae loans in the US are forgivable.

In the us you're paying $100-200k for a liberal arts degree

[Anonymous No.26107409]

>>26106939
>Makes $250,000/yr
>$1,000,000 in debt
>will make $500,000+/yr within a few years

Yes it ridiculous? Yes, but he also didn't major in libtard arts so he'll be ok.

[Anonymous No.26107477]

>>26107409
So he'll just be paying almost half of his taxable income for 20 years? Sure he's making good money, but he has $70k/year in payments just to cover the interest. That's absolutely ridiculous and idk how you can actually defend a system like that.

[Anonymous No.26107535]

>>26106939
a part of him dies when he hears it
LOL

[Anonymous No.26107564]

What would happen if he refused to pay it and just played vidya instead?How the fuck can someone keep up with compounding interest that big

[Anonymous No.26107586]

>>26107409
he will not be ok lmao
he will not make 250k clean
he will not get close to 100k

[Anonymous No.26107601]

>>26106939
Now you know why doctors always push expensive procedures. In many ways klaus/wef is right. Peak capitalism. Now eat ze bugs.

[Anonymous No.26107635]

>>26106939
>I work part time
he's fucking dead

[Anonymous No.26107680]

>>26107564
Medical school debt loaners more willing to give a huge amount because he is supposed to be making a six figure salary right off the bat.

[Anonymous No.26107840]

>>26107635
200k/yr part time. Probably 500k/yr in three years. He can do it, but he'll be living like a pauper.

[Anonymous No.26107896]

>>26107409
dont lie. you are gaslighting people into ruining their lives

[Anonymous No.26108112]

>>26107840
he's not gonna make it
we have a recession on the front door
you think people are gonna go to the fucking dentist?
he is D E A D

[Anonymous No.26108121]

>>26107564
They never go away lol
https://www.creditkarma.com/advice/i/student-loans-in-bankruptcy
>Under current law, student loans can’t be claimed in a bankruptcy except in certain circumstances. The only way these loans can be discharged is if they’re found to cause “undue hardship” on the borrower or the borrower’s dependents.
gl proving "undue hardship" when you have the education to get a job as a doctor

[Anonymous No.26108156]

>>26107271
Student loan debt is near impossible to get rid through bankruptcy. The only way you can get rid of student loan debt is if you are physically unable to work and can't realistically get a job in your field to pay it back. So basically if you get your hands cut off or become permanently crippled you can get student loan debt erased in bankruptcy otherwise you still have it.

[Anonymous No.26108181]

>>26107409
who ALLOWED him to take this much money out? Its usury. Completely and utterly JEWISH

[Anonymous No.26108216]

>>26108112
I still am because its covered by my healthcare coverage through my job. I get like $2k/year at 90% coverage, so I might as well use as much as I can. Dunno about in the states, but here in canada $2k/year is more than sufficient. A cleaning/xrays/checkup costs like $400, and cavity fillings are around $200. Im definitely not getting orthodontic work though lol, and I think you're right that its not really a sustainable industry in a recession. Especially with all the ortho's being saddled with 7 figure student loans debt (plus all the debt they probably have to take on if they want to start their own practice)

[Anonymous No.26108250]

>>26106939
>The absolute state of our education system
The absolute state of morons who took student loans

[Anonymous No.26108298]

Did he get his load from the mafia or something? At this rate his credit will be destroyed but fuck it, as long as he doesn’t pay he can just stack so much cash that he doesn’t need credit. Just pay cash for everything

[Anonymous No.26108299]

>>26108250
So then how do you become an orthodontist in the states without having a rich family or scholarship?

[Anonymous No.26108312]

>>26106939

[Anonymous No.26108493]

>>26108181
There exists a LEECH CLASS of middle-managers and faggot administratoid subhumans whose sole purpose is to install a byzantine, money sucking bureaucracy everywhere they go. Go to any top-tier European or Asian university, and none of them have the amount of bloodsuckers we do in our university systems. Fucking faggot administrators for everything.

[Anonymous No.26108571]

“Just go back to school”

[Anonymous No.26108682]

>>26108299
I guess you just don't

[Anonymous No.26108683]

>>26106939
I wonder how much of that was actually student loan debt and how much was regular credit card debt or personal loans and he's just calling it student debt because he accrued while a student?
4 years undergrad, 4 years med school, $125k year average? Even if you tack on a residency at 2 years for 10 total years that's still $100k year. Seems excessive, what's missing here?

[Anonymous No.26108685]

Recorded Nov 2019, about 4 months before covid shutdown. I wonder how Justin is doing now...

[Anonymous No.26108746]

>>26108493
This. According to Andrew "kill Whitey" Yang the vast majority of the increased university expenses are due to administration, basically just the school hiring their friends to be paper pushers who do nothing.
Government does the same thing.
Fuck all these bureaucratic faggots, hope they hang.

[Anonymous No.26108759]

>>26107225
That's why he's frustrating.

[Anonymous No.26108783]

>>26106939
>>my interest is $5800/month

[Anonymous No.26108817]

>>26108683
>$125k year average
It costs 500k to become a doctor in the us??? and that is just course fees not including accommodation or living expenses?

[Anonymous No.26108822]

Orthodontists make bank so idk if that shit even matters. The Orthondontist in my town was the richest nigga in the city

[Anonymous No.26108943]

>>26108682
Thats a pretty scary sentiment considering it doesnt work like that literally anywhere else on the planet

[Anonymous No.26109001]

>>26107265
He finished residency. He's like 30 years old. It's your responsibility to learn about compound interest SOMETIME between age 16-20. This is why my kids will be getting credit cards with low limits, just so they can learn that late payments and debt will fuck them

[Anonymous No.26109273]

>>26107330
>the same orthodontist degree here would probably cost like $100-200k
JUSTin is lying tho....all millenials do this. they waste 80% of their student loans on lifestyle ("I needed an iPhone 12 Max for school") and then they whine for socialism when the bill comes thru.
He could've got that degree for $150k with just modest reduction in lifestyle...they are all liars.

[Anonymous No.26109276]

>>26107409
My sister in law is a nurse and she fucking hates her job but she can't quit because she went to private school for her degrees. She also has a kid and another on the way. Its kinda funny how I make a quarter less than what she makes but, at the end of the month, probably make more since I'm not paying for loans off nor am I supporting a kid. Hell, daycare prices alone will destroy your wallet. Feels comfy.

[Anonymous No.26109315]

>>26107187

I signed mine the week i turned 18, i was dumb as shit, gg

[Anonymous No.26109423]

>>26107225
Here’s the cherry on top. The lender created that money when they created the loan. Commercial banks create money when they extend credit.

[Anonymous No.26109443]

>>26109276
>sister in law
same. mine got a mega expensive law degree from fancy Ivy-league uni.
she now works as a law clerk for a corrupt democrat run city judge. she can't quit because she's got 300k student loans + 800K mortgage for a cuckshack in the city.
she's got a child but spends another $2k per month on a sitter since she needs to work 10 hour days to pay for it all.
she's become low-key blackpilled on state of democrat run corruption but she cant dare air any of her real thoughts for absolute fear she gets cancelled out of everything.

[Anonymous No.26109445]

>>26106939
imagine being a loan officer and deciding this was a good decision. why don't banks ever pay the price for their bad decisions? did they ever look at the kids artwork before they lent him a million dollars for art school? did they even talk to him to see if he seems like a person that is capable of paying such a debt?

[Anonymous No.26109510]

>>26109445
The banks create the money they loan out. It’s called bank credit. It costs them nothing to write the loan. Why do you think they write down loans so easily? This is the ultimate finance red pill.

[Anonymous No.26109628]

>>26109273

Whoa i didn't know my aunt from Facebook posts here, sup Rose!

[Anonymous No.26109637]

>>26106939
This is slavery LOL

[Anonymous No.26109642]

>>26108216
Cosmetic procedures are the first thing people slash in a recession. Ortho bro is fucked

[Anonymous No.26109669]

>>26109445
All loans are through the fed govt these days. Grad PLUS loans have no borrowing cap which is how they got to 1 million in debt.

[Anonymous No.26109703]

The number one thing the Government needs to do is stop loaning money for school.

You either can afford it or you can't but no fucking way are you going to get a loan. It use to be like that and it needs to return to that.

How many dumb shits are there that didn't even finish Uni and owe 10's of 1000's. It's incredible how many stupid fucks including parents are out there that would allow their kids to go into debt for a shitty education.

Get a job, save, and go to school if you can afford it.

[Anonymous No.26109739]

We buyin?

[Anonymous No.26109750]

>>26109273
>boomer posting on /biz/
go back to facebook please

[Anonymous No.26109771]

>>26107187
High school tells you to go to college. You will make more they say. No high school classes given on central banks, money, interest, lending, usury, ethics. It is purely one sided. It is predatory.

[Anonymous No.26109833]

>>26107409
>t. Rabbi

[Anonymous No.26109835]

>>26109628
>>26109750
>priced out homos that absolutely NEEEDED that poli-sci degree with comm minor for just 550k

[Anonymous No.26109858]

>>26109423
>>26109510
thats infuriating when u think about it, its such a corrupt jewish scheme

[Anonymous No.26109887]

>>26106939
https://youtu.be/ki2z0KhJLlA

[Anonymous No.26109914]

>>26108685
RIP JUSTin

[Anonymous No.26109956]

>>26106939
lets actually think about his situation
>hes finished residency so lets say hes 30
>it would have taken him like 20 years to pay off the debt if all his disposable income went to it working 6 days a week
>with covid fucking the economy lets add another 5 years with compounding interest and missed work
>add another 2 years for suprise costs that will pop up that will detract from his interest payments
>age 57 by the time his networth is $0
>he has a high income so to own a property would only take like 5 years
>age 63 with a house but no savings, investments
>work another 15 years or pure saving and investing to get enough to retire
>retire at age 80
thats assuming no kids, no divorce, no medical bills

[Anonymous No.26109989]

Doctors in general are way too overvalued and don't really need anywhere near that much funding / grad school. COVID-19 hysteria would have been a non-issue if we just required the same level of education and training any other trade has like plumbing or HVAC.
The idea doctors need to be this special scarce class of super-geniuses doesn't really benefit anyone except maybe the lenders financially and the doctors emotionally.
Since that's not likely to happen the next best thing is hoping tech companies will gradually limit the extent human doctors are involved in medical services.

[Anonymous No.26110095]

Holy fuck how can somebody fucking end up in this kinda shit????????

[Anonymous No.26110124]

>honey, i know youve always wanted kids, well i think we're in a finally in the right financial position for one

[Anonymous No.26110173]

>>26109989
This is a good point too. A dentist or orthodontist doesn't require the same medical knowledge or skillset as a heart surgeon. It really should be separated like trades. Its kind of like making every plumber also get their electrical, carpentry, and welding tickets in order to get a job as a welder

[Anonymous No.26110208]

>>26107187
Basically, they get you when you are out of high school. You have to be 21 to drink, but you can put yourself in 6 figures of debt as soon as you get your high school diploma. This shit should be illegal. and the fucking boomers/gen xers are complicit. I stupidly got myself in at least 45k of debt for a useless piece of paper degree because my mom said while growing up "if you don't get at least a bachelors you'll be working mcdonalds your whole life, don't even think about the tuition, you'll get a good paying job and just easily pay it off right away!"

I eventually went to a tech school for about 2.5 years at a community college, paid for it out of pocket easily, and got a better job than the bachelors ever did for me.

[Anonymous No.26110308]

>>26109703
Most of the universities that opened post-WW2 and onward would shut down if they stopped the government subsidies. They are already barely financially solvent. Corporations are also complicit because they normalized college degrees as a basic employment requirement. If you end the subsidies, the "education-industrial complex" will collapse (the full vertical from textbook and software rackets to admin staff to construction), and many millions of people will be unemployable for the time it takes corporate America to stop demanding degrees. I don't disagree that it all needs to fall down, but it's going to be severe when it does.

[Anonymous No.26110353]

>>26110124
>the plot of idiocracy.xml

[Anonymous No.26110477]

>>26106939
Ok i have a plan. First i need to spend $1milly upfront with zero return for 10 years. Then I'll make at least $200k because i spent all that money on improving my skills so i can easily command that price as a wagie.

[Anonymous No.26110491]

>>26106939
Holy fuck. $1,000,000 debt. What a con. Doesn't matter if he makes shitloads from his job, fucking outrageous.

[Anonymous No.26110716]

>>26109989
>idea doctors need to be this special scarce class of super-geniuses
this is true, but the problem is the AMA. they are both the dr's union AND the body that runs med-schools. no other professional degree has this arrangement (ie. law schools are not run by state bar). the result is they will always and forever demand perfect 4.0 A+++++ grades and 10 years of schooling to put on a bandaid and prescribe aspirin.

[Anonymous No.26110801]

>>26110095

Get massively in debt out of high school because our society has ZERO financial education and even if you are 18, you are still just a dumb kid.
Encouraged by dumb parents/grandparents who also have no financial education, but they didn't have to pay 2000+ dollars for a single class, and degrees used to be worth something.
Then sunk cost fallacy kicks in "I'm already in so much debt but half a degree is useless I have to keep taking classes or else I'll be at mcdonalds"
Then yolo sets in "whatever, what's another 10k, I'll probably be in debt for the rest of my life anyways, I'll just hope tuition forgiveness kicks in"

[Anonymous No.26111065]

Does debt follow you outside country? NAFTA means Americans with degrees can travel to Canada easily for work and vice versa. A lot of Canadian nurses pile on the debt and then fuck off to work in the states and walk away from the debt. If you have a stem degree and a job offer it’s stupid easy to work in the US as a Canadian.

[Anonymous No.26111144]

>>26111065
The US is the only country in the world that chases people for debt to other countries. But I still think this would work to an extent

[Anonymous No.26111193]

>>26111065
US will go after you , everywhere, and they really have great tools to do it. You would really have to go somewhere with no relationship to the USA, and those places are getting fewer and fewer

[Anonymous No.26111220]

>>26111144
This is why a second citizenship is so priceless. If you had euro citizenship you could potentially change your name legally on second passport and shred your American one as you leave and just disappear forever.

[Anonymous No.26111249]

>>26106939
Why the fuck would you even bother paying at that point?

[Anonymous No.26111251]

Leave the country lmao

[Anonymous No.26111286]

>>26107477
We defend it because the (((system))) wants to get people annoyed by their usury and trick them into communism were education is free, the end goal of capitalism is always communism and i’d rather have capitalistic usury then having to pay for a roasties or libtards education under communism. Ideally I would just want kikes gone but that will never happen because normies love jews for some reason

[Anonymous No.26111356]

>>26111286
Liberal arts degrees only ever existed so the ultra rich could fuck around in school. Opening student loans up to everyone and backed by the government has meant poor kids are now taking these worthless fluff degrees meant for trust fund kids.

[Anonymous No.26111362]

>>26111286
Having affordable or free education isn't communism, its socialism, which is completely different. Americans are so fucking stupid, and its an entirely American mindset that people think
>I got fucked over and exploited, therefore my kids should too

[Anonymous No.26111466]

>>26109001
in this Ramsey video, yes the guy should have known better.
generally, post secondary education is overinflated and 17/18 year olds are impressionable. sure there are outliers, but why the fuck is student loan debt in the trillion mark? this issue doesn't just lie solely in the fault of the individual.

[Anonymous No.26111511]

>>26106939
How the fuck do people get into a huge debt? I have a $21k debt from college, and I was there for 6 years. I got a job paying $70k/year + $5k bonus, which I'll use it pay some of the debt. What do you have to do, to get over $50k in debt and not get a decent job to pay it off. Someone explain me please

[Anonymous No.26111571]

>>26111249

It fucks your credit score, but what credit score is worth it at that point.
I'm sure eventually they can start garnishing your wages, right? or are they pretty toothless beyond threats and piling on late payments?

I have a friend who is close to this mess (at least 200k in debt, and makes shit for money). He somehow got his minimum payment down ridiculously low (like 100 a month) and he's content to just pay the minimum until he is about to retire and then is too old to pursue by debt collectors.

[Anonymous No.26111602]

>>26111466
Show me the incentive and I’ll show you the outcome.
Banks create money when they make loans. The bank can create money and charge 6.7% interest on it. Fully backed by the feds. Why do you think the student loans are in the trillions?

[Anonymous No.26111652]

>>26111571
Since he is an ortho he could probably unironically not marry fiance. Have her own the practice. Never take a salary. That requires a lot of trust in her. But theoretically he could never pay a dime.

[Anonymous No.26111781]

>>26111511
I don't know when you finished school, but tuition is STILL skyrocketing even in recent years. Last class I took was 2000 dollars for one single class. This was for an online class with in state tuition at NAU.

Most of it is probably living expenses though. They live off of loans, going to an on campus dorm, then when you live at the dorms, they FORCE you to buy meal plans, even if you can pay for your own food cheaper they charge a huge lump sum on top of your fees for a years worth of meal tickets. Non refundable if you drop out. (they aren't even refunding for the college campuses that are kicking out students because of covid, if you're lucky they'll comp you for future meals once you are back on campus). Some dumbasses will put all of their living expenses on student loans as well. All living expenses for the four years.

That being said, there's also the EVEN BIGGER DUMBASSES who go to a huge expensive private art school out of state and live on those dorms. Their dream was to become an artist, so they flew to new york the city of dreams and a single semester will put you back like 150k

[Anonymous No.26111892]

>>26107170
Burger here. I borrowed $50k in student loans and have paid $70k in interest and my principal is still at $50k. I’ll never pay this fucking thing off.

[Anonymous No.26111925]

>>26106979
underrated post

[Anonymous No.26111926]

>>26111511
>to get over $50k in debt and not get a decent job to pay it off

Oh and for this part, people don't do the research. People that put themselves in debt and don't do the research for job market outlook are stupid. But otherwise even in markets with decent outlooks the market can become saturated.

I'm an xray tech, they said market outlook was great and demand for jobs was growing during my first year orientation. They failed to mention though that most open jobs are for travelers/per diem/part time and full time jobs are actually hard to get out of school. Most people have to work per diem for like a year before they get full time pay and benefits.

[Anonymous No.26111940]

>>26109423
Not just that dude. They actually leverage your credit 10:1 and ask for 10 times as much cash because they only need to hold your part of the issued debt in reserves (which they dont even do nowadays lol) and then they funnel 9/10s of that newly "minted" Fed Coin to their numerous investing opportunities or into the off-shore accounts.

[Anonymous No.26111949]

Imagine being a boomer and being fucking broke

https://www.youtube.com/watch?v=8LBLIBirxzo

[Anonymous No.26111995]

Hehe I don't have any debt because I'm going to college for free
Granted it's a shitty state university but I don't really plan on using my degree anyway.

[Anonymous No.26112154]

>>26111892

50k isn't even that much though in the long run. I sincerely hope you are living like a FUCKING PEASANT and you could pay it off quick.

You shouldn't be spending a single dime on eating out "BUT MAN I'M YOUNG, IT'S ONLY 15 DOLLARS FOR THAT LUNCH, YOLO!" Think of the opportunity cost of that 15 dollars when it's 15 dollars now being charged interest. Then compare that to money you COULD have made if you invested it instead.
No more fucking new video games, or netflix, or unlimited cell phone data so you can stream your spotify, or going to the movies. Plenty of free entertainment is available, you can do that for ONE YEAR to save every penny. Even if you don't have it paid off in a year, at least you should have the interest down to manageable levels.
The only other expenses you should have is mandatory living expenses and transportation to your job. Get overtime if you can

50k is chump change unless you're a third worlder or you have the mentality of a welfare queen. 200k is not chump change which is what this can balloon to if you are weak willed about it.

[Anonymous No.26112228]

>>26111781
I finished 2 engineering majors in May 2020, in commiefornia. It took a couple of months to find a job, but debt payments didn't start until December 2020, so I wasn't too worried. The interest I had to pay was around $300 from the $21k.
Well, I get it now. I'm a first gen graduate, so I took all the money I was offered on my first year. It was a lot, ngl but for the following years I just took enough to cover classes and rent(paid an small studio apt for myself).

[Anonymous No.26112289]

>>26111602
can't declare bankruptcy on student loans in the us. kids take out loans because parent's don't think about financials/educate them about it because they were entitled boomers who rode the easy life and think they will get through it by pulling themselves by their bootstraps. also, giving into little timmy's dream school delusions that will leave him $150k in debt. majority of jobs requiring a bachelor degree, additionally job market is in the shitter right now because of pandemic. there's a lot of uncertainty in this investment.

[Anonymous No.26112290]

>>26111949
Makes my blood boil. I made 62k this year. I pay 350 for rent. I live like a peasant, almost no money goes towards extraneous expenses. Literally eat beans/rice/eggs/lentils for most of my meals. I still can barely get enough saved for a house. These fucking whiny boomers wanting to "retire with dignity." To the ones with no money left after growing up in boomer years, your only dignity left would be to give yourself the pillow so you aren't living off your retirement years being leeches. If I were in your shoes, I'd have enough money to buy my own island.

[Anonymous No.26112383]

>>26106979
kek

[Anonymous No.26112439]

>>26112228
>only 21K for 6 years of california college
You must have gotten massive grants/scholarships, right? Or are you talking 6 years getting AS degrees by chance? Or were you paying for some of tuition out of pocket that yo uare not telling us about? 21K will be about 2 years at most in state universities.

[Anonymous No.26112827]

>>26112439
I got around 15k in scholarships. I always got enough money to pay for classes, and rent. Then I just slaved my ass to work during the school breaks, so I would save up to $5k every year.
A few semesters I lived off the free food from minimarkets on the school, so that helped a lot heh

[Anonymous No.26113094]

>>26112439
And no, I didn't do AS bullshit. Community Colleges are as greedy as other universities, with the only difference that they don't give actual degrees, and you're fucked twice if you need to attend university after community college. I say it because it's something I saw way too often.

[Anonymous No.26113311]

>>26111949
Imagine making $70k a year and having just sold a house for a little over $500k and considering yourself "broke". The level of selfish entitlement that these "people" have is unreal.

[Anonymous No.26113350]

>>26113311
desu if you are a boomer an not a millionaire with all the braindead high return investment opportunities they had you are kind of a fuckup

[Anonymous No.26114049]

>>26113094

I have no idea what gives you this impression of community college. People that go straight to university for their gen ed classes are fucking retards, paying 4-6 times for the same credits. There are good paying jobs that don't need bachelors, so if you are interested inthose jobs, ever touching a university is throwing money away. Most classes other than really specialized ones should transfer easily, so I also don't know what you mean by "you're fucked twice if you need to go to university" every single person that likes money should always do at least some community college for the all of the prereqs that they can

[Anonymous No.26114380]

>>26114049

I also forgot to mention, that in general I don't think community colleges are nearly as greedy as universities. Maybe I got lucky with the 2 I went to, but the teachers genuniely seemed like they cared for the most part and had smaller class sizes, meanwhile universities have 200 students jam packed into an auditorium as the teacher just reads off of a powerpoint for 90 minutes. Community colleges always had great resources available like free tutoring, while universities pracitcally charge you to use the restroom nowadays, or they'll FORCE you to pay gym fees even if you never use their on campus gym for example. I also felt like I learned more at community colleges, but that could also be just because the classes are generally easier. I had terrible experiences with student advisors, they were always lost and could never get me registered correctly at universities, even signing me up for multiple classes I didn't need. Community college advisors had their shit together.

[Anonymous No.26114474]

>>26114380
>or they'll FORCE you to pay gym fees even if you never use their on campus gym for example
go to the gym it's good for your mental health not just physical

[Anonymous No.26114477]

>>26106939
>falling for become a doctor meme

[Anonymous No.26114484]

>>26107297
post doc in advanced gender studies

[Anonymous No.26114650]

>>26114474

I already had a gym membership, I didn't want to pay double for the on campus gym which was unusable because it was always packed. Unless you went in the middle of the night, every machine/weight had a line waiting.

[Anonymous No.26114730]

>>26107187
In American high schools you are constantly bombarded with shit saying YOU HAVE TO GO TO COLLEGE!!!!
Even if you don't know what you want to do they insist that you have to go right away.
Then the college is just more high school bullshit that doesn't teach you anything practical for the field you're studying.
They also try to stretch out every degree to be "4 years" but it really takes 5 years to get through all the bullshit elective requirements.

[Anonymous No.26115424]

>>26106988
Yeah if he gets a job making ~$100k it's not a life crushing amount of debt
Still retarded though cause you could've put even a little bit of that into crypto and had it already paid off


>>26114730
Yup, I think the literal middling length of time it takes to finish college today is 5-6 years

[Anonymous No.26115497]

>>26106939
I watch this video every now and again to make me feel a little better about my life position.

[Anonymous No.26115566]

>>26107265
This. I was taking out 5 figure loans at 18 years old. Back then I thought I'd earn 6 figures straight out of grad school and my parents only encouraged me to take the loans out. It's a disgusting system.

[Anonymous No.26115598]

ahahahha americucks

[Anonymous No.26115758]

i may make shit wage from my small time 2 yr degree but I only have 14k debt and sit on much more in crypto.

[Anonymous No.26115762]

>>26107187
The parents and schools share far more of the blame. You're not going to find too many 17/18 year old kids that are experienced enough to realize college isn't the only route to be successful or that understand all the terms of service required out of a student loan. Boomers swallowed the college meme harder than anyone and the schools benefit by having kids in a perpetual educational loop, feeding the system.

[Anonymous No.26115763]

>>26108783
haha oh man
almost like my car. Each month

[Anonymous No.26115813]

>>26107225
That's proverbs though. Dave is pretty openly Christian.

[Anonymous No.26115880]

>>26107187
Orthodontist too. This man got ass fucked. Jesus Christ.

[Anonymous No.26115916]

>>26106939
I owe Dave for introducing me to investing as a senior

[Anonymous No.26115941]

>>26108783
I can't even fathom making 5k a month

[Anonymous No.26116261]

>>26106939
>tfw 2 years ago thought my life was over when I maxed out a credit card at $8000
glad I never went to college
I think at some point your debt can get high enough to develop a 'fuck it' attitude and just live with it or go full DEBTMAXXX

[Anonymous No.26116519]

Only reason education costs are so high is because of guaranteed federal student loans. This wasn’t an issue when we had an actual free market.