Why can't zoomers understand this simple logic?

[Anonymous No.49343739]

[Anonymous No.49344146]

If you stack the deck against me I'm not going to play by the rules either.

[Anonymous No.49344169]

>>49343739
>gives a loan to someone who can't pay it back
>doesn't get his money back
Capitalism, bitch

[Anonymous No.49344236]

>>49344169
Why would you take a loan to make a meme degree that don't even offer employment?

Jesus, if you want to study art, get rich first. This shit ain't for the broke.

[Anonymous No.49344237]

>>49343739
Why can’t they just drop the interest? I don’t understand why they couldn’t just do a loan at face value. Over time you’ll end up paying more than the loan is worth. What the fuck is the deal with that?

[Anonymous No.49344268]

>>49344237
Cool it with the antisemitic remarks.

[Anonymous No.49344278]

nigger, i'm not paying you the money you foolishly and irresponsibly gave me and millions of other people who are laughing.

Keep kicking the can down the line, the moment you unfreeze the payments we still wont pay you back. You are never seeing this money. You won't write it off because once you do the balance sheets go tits up.

Maybe next time invest in your people versus trying to rape us to death financially.

See you in hell

[Anonymous No.49344404]

>>49343739
The thing that really gets me about this is that you can't expect an 18 year old to really make a sensible financial decision about tens of thousands of debt for a degree they have no real way to appraise. Most young people get a degree because boomers told them to so really the blame lies with boomers. It's like a parent blaming their 8 year old child for whatever bad habits they have.

[Anonymous No.49344446]

Look
Basically I'm just not paying back my student loans
I know...UGH I know...
I'm sorry!!!!!!!!!!!!!!
It's just that I'm not paying them is all

HAHAHAHAHAHA

[Anonymous No.49344500]

>>49344236
>why would you sign a life altering document with dramatic repurcussions after just yesterday you were still watching pokemon cartoons

[Anonymous No.49344575]

>>49344404
Or the fact people do pay the full amount but still owe 40k due to intrest. It's usury, plain and simple.

[Anonymous No.49344576]

>>49344237
that's what they do here in Australia. no interest but indexed to inflation. and since repayment is automatically taken out of your pay once you earn over a certain amount, the only people that don't pay it back are the art hoes with retarded degrees that cant get a job besides retail and hospo, people that switched degrees a million times racking huge debt, drop outs and people that fucks off overseas and never coming

[Anonymous No.49344584]

>>49344404
>He couldn't figure out this was a scam during childhood
>He blindly listened to authority figures
>He thought the top of the power hierarchy would continuously promote a method that would allow you to be a threat to them

[Anonymous No.49344645]

I don't support any kind of loan forgiveness because you chucklefucks are my competition, plain and simple.

[Anonymous No.49344725]

>>49343739
>Þe indentured servant "crisis" solved:
>1. Þy father took out a loan on thee so he might become a freedman
>2. Pay it back.
>You merely need pull Þyselves up by Þine foot wraps, lazy peasants! My faÞer had this ydone

[Anonymous No.49344737]

1) loans should be regional, people should only go to universities within commuting distance to discourage taking on huge debts
2) tax systems need to be reformed to give more tax writeoffs to parents to keep their student kids at home, writeoffs should be extended to 35 to account for grad school and phd students
3) more tax credits
4) legal reprecussions for parents taking money intended for university (4050 for the adult dependent tax credit, 1000-2500 for the AOTC, 2000 for the LLC and all writeoffs for things like books for a total of more than 10,000 dollars in tax credits and writeoffs in a single year) and not spending it on their kids.

Number 4 is probably the most important, there are people who graduate late because their parents tell them it's all 'okay' to do so because the parents are leeching tax credits meant to pay for university into their own pockets so boomer bob or xoomer todd can afford a new car or some shit like that. The system was designed under three assumptions- that people would go to universities they could afford (26k a year in tuition becomes 13k if you live at home, so you'd only have 52k in debt instead of 104k and the 10k+ in tax credits your parents get would knock that down to 12k, plus additional tax writeoffs for them paying down any interest you accrue, plus the fact you yourself can work during summer, get 4k and that's 16k over 4 years which means you would owe nothing on 52k in debt), parents would help their kids with the government's help instead of stealing from them, and that universities would remain publicly funded- red states like florida don't have this problem, republicans kept public funding high. Blue states fucked up.

The system is broken because retarded boomers broke it by telling their kids to party it up, gen xers are continuing the trend because they are retarded.

Parents WERE NOT supposed to pocket 10k a year in uni tax credits, that was supposed to go to their kids.

[Anonymous No.49344751]

>>49343739
https://www.youtube.com/watch?v=Uew1xXLXivU

[Anonymous No.49344755]

>>49343739
You built system that exploits us so we're going to fuck it over on every step.
Why boomers can't understand this simple logic?

[Anonymous No.49344761]

>>49343739

[Anonymous No.49344762]

>>49343739

[Anonymous No.49344779]

>>49344236
why would you give out a loan to someone for a meme degree

[Anonymous No.49344785]

>>49344762
FUCKKKK>>49344761

[Anonymous No.49344796]

>>49344404
>>49344575
>>49344584
There are a lot of tax credits which add as high as 10k a year plus writeoffs for paying down the interest. The system was designed so that boomers were supposed to give their kid 40k during those four years from those tax credits. Selling your books (and not reporting it lol) and making 4k~ at a summer job would give you 20k or so over 4 years. In total more than 60k. A local university and your parent cosigning and paying down the interest would mean you'd own nothing.

The system doesn't work because boomers pocketed all the tax credits meant for the student, gen xers are doing the same to zoomers.

[Anonymous No.49344833]

>>49344500
This is life.
One day you are a children, and the next you are a adult. You gain rights, but at the same time, responsibilities. Suck that you where educated by retard parents who threat you like a mentally challenged baby and as a consequence you ruined your life with poor life choices, but the worlds go on, and we will not stop because you are too week for it.

NOT MY PROBLEM

[Anonymous No.49344851]

>>49344779
To trap them in debt forever. Wage slavery is a feature of the system

[Anonymous No.49344864]

>>49344779
Now, this is a good question.
The answer? Most politicians have a meme degree. You rarely see a engineer politician (maybe in Europe) or a architect. It's always some social bullshit, like if they where groom as a children to be a thief.

[Anonymous No.49344922]

>>49344404
Lmao. Ignorance shouldn’t be the sole excuse because 18 year old zoomies get into permanent debt, they should have quickly realized that as soon they saw the tuition fees and other shit packed when they accept for their school, that they’re playing a rigged game and the only way to win is to not play. Unless they have the money or knowing for sure they will be getting a high salary job after school, then it’s complete worthless.

[Anonymous No.49344977]

>>49343739
Can I get a 100k student loan as 28 yo doctor, so I can invest it all in crypto, instead of a shit meme degree. The chances that I pay it back are probably higher than with all the avarage meme degree cucks

[Anonymous No.49345065]

I took my living expenditure stipend from my student loan and dumped all of it into crypto.

I have 200k debt but so much more in assets, and i'm still never going to pay this shit back lmfao get fucked niggers

[Anonymous No.49345341]

>>49343739
not paying it back. repossess my degree if you want.

[Anonymous No.49345419]

>>49343739
Ask hedge funds this same question

[Anonymous No.49345534]

>>49344237
Yeah that's what I don't get. My loans would be practically paid off already if not for the interest I'm paying on them. Why the fuck does the federal government need interest on my education? I thought my higher income tax from a better job was supposed to be their cut from my education.

Also, it seems like bullshit that the government will give out loans for literally any college degree regardless of whether that degree actually yields a productive skillset. Loaning someone a hundred grand for a theatre degree just seems like a bad investment, yet it happens all the time. Literal debt slavery.

[Anonymous No.49345602]

>>49344236
>Why would you take a loan
Why wouldn't I take free money from you, bitch. Clearly you can't take it back from me

[Anonymous No.49345644]

>>49344761
>>49344762
>>49344785
>reddit meme
upvote!

[Anonymous No.49345668]

>>49345602
>free money
LMAO, zoomers do believe it's free.

[Anonymous No.49345769]

ok so basically I have access to a 10k fafsa loan for this summer and I’m thinking of dumping it all on crypto. Biden is probably going to cancel 10k, and even if he doesn’t I’ll probably make it back by the next bullrun, I literally can’t fail

[Anonymous No.49345830]

>>49345769
>Biden is probably going to cancel 10k
Biden will cancel blacks debt only. It's already being chose,

[Anonymous No.49345853]

>>49344922
I'm not saying that everyone going to college is totally blameless: people who took on six figures of debt for a degree in intersectional color theory shouldn't have even gone to school in the first place.
However, you have to concede that the entire culture really pushes college as something you basically have to do if you aren't a complete failure and that the overwhelming majority of boomer or Xer parents pushed their kids to go to college. Nobody knows at 18 what the real world is like.

[Anonymous No.49345967]

>>49344833
>This is life.
Yes. Civilization fucked up by allowing this to happen. The consequences are now bleeding onto everyone.

>One day you are a children, and the next you are a adult. You gain rights, but at the same time, responsibilities.
And the first thing you do when they turn 18 is to create indentured servants. And for people to sleep at night, the cope is "responsibilities". At what point do "rights" kick in? There's no discharging student loans. What rights are there to protect against predatory loans and cosigning 40-50+ year crippling private loan debts?

>Suck that you where educated by retard parents who threat you like a mentally challenged baby and as a consequence you ruined your life with poor life choices, but the worlds go on, and we will not stop because you are too week for it.
Yes. Everyone is retarded except you. You've had the foresight and clairvoyance to see this coming. Great for you. And I'm actually okay now. I'm personally at mid 5figure hell, and projected to reach mid 6 figure hell with my investment strategy. Doesn't mean I want to see it happen to others. I'm warning my younger family members about the student loan and college scam. My cousin just turned 18 and he's ignoring my pleas. This cancer continues. He's literally too retarded and enchanted by college life to understand how dangerous this is.

>NOT MY PROBLEM
You're very concerned about it. Since you have a canned response ready to go. I think it will be everyone's problem sooner than later.

[Anonymous No.49345998]

>>49345830
Ok then I’ll only make 90k on my 10k loan instead of 100k D:

[Anonymous No.49346034]

Zoomers out here thinking there's anything out ther that's going to save them from death other than investing in Eth and matic. you are locked into the vortex.

[Anonymous No.49346072]

>>49344237
>>49345534
Well then how the hell would we, the ones giving out the loans, make any money? We let you borrow money, then you just pay back that same amount over a period of time? Then we just get back the amount we initially gave… hello? Charging interest allows us to make a profit, dummy

[Anonymous No.49346323]

>>49346072
Yea except you on your own end have to do labor also. When Christianity wasn’t pozzed, we used to burn people alive who practice usury. Making money out of thin air but not producing and tangible value on your end was a sin punishable by death even among Jews and Muslims.

[Anonymous No.49346327]

>>49344761
>>49344762
This, unironically. It's simple.

>You gave an unsecured loan
>You eat a loss
Creditors get stiffed every day in the normal course of business. All of our business norms rest on a foundation of Law built around liability-limiting entities specifically because we're more okay as a culture with creditors getting stiffed than we are with individual people getting buck-broken into debt slavery forever. It's the norm, it's the Law, it's entirely beyond question or reproach, and American business would grind to a screeching halt if the status quo was any different. The special status of student loans is an aberration with no foundation in the norms, ethics, or even practical concerns that govern all other business activity in the country. Letting students default on these loans would not be weird or radical at all - NOT letting them default is a weird and radical policy that has no natural place in our system of Laws, and is profound evidence of the improper and corrupt influence of the parties such a policy benefits.

>t. attorney btw

[Anonymous No.49346368]

>>49344864
>You rarely see a engineer politician
because they actual contribute to society like Bezos

[Anonymous No.49346556]

>>49343739
Because it does not follow. Those are simply two vacuous statements chained together. Anything could happen, the option of not paying it back is there and so is the option of the loan being absolved from within the framework of economic law as opposed to physical law which for example would go something like
1. A ball rolls off a cliff.
2. It reaches a stable point below its starting point.
In that case there is no alternative, it has to roll down until it reaches a stable point which will be lower than its starting point because it must obey conservation of energy (assuming no external energy is put into the system).
Why can't contrarian edgelords understand simple logic

[Anonymous No.49346665]

>>49344851
Kek. The whole fucking system revolves around deficit spending. Spend today what you will make next week so you have no choice but to keep working for Mr Schekelstein and keep advancing their agenda instead of your own. The game was rigged from the start

[Anonymous No.49346790]

>>49346327
if it was possible to default on these loans, then they wouldnt hand out unsecured students loans like candy. Some would say that’s great because it would limit the amount of retards getting meme degrees, but how would poor - lower middle class afford college?

[Anonymous No.49346822]

>I took out a loan
>You pay it for me
Seems like solid entitled zoomie logic. Inb4
>YOU MADE ME!
You were lied to, college degree does not equal higher wage. take the L and learn some financial responsibility

[Anonymous No.49346863]

>>49346822
>already be paying loan off for 20 years with interest plus tip
>learn some financial responsibilityyyyy!1!!111

[Anonymous No.49346894]

>>49344404
>about this is that you can't expect an 18 year old to really make a sensible financial decision about tens of thousands of debt for a degree they have no real way to appraise
Yes you can. When i saw the financial offers of loans and I saw 8%, even at 18 I knew that was a scam. Try not being retarded.

[Anonymous No.49346927]

Why happens to bad debt? Basically, student loans should operate the same way.

[Anonymous No.49346936]

>>49346894
For federal loans its closer to 3%, which is a pretty good deal assuming you can pay it back

[Anonymous No.49346968]

>>49343739
Fuck your currency and enslavement propaganda.
Boomers get the rope

[Anonymous No.49346977]

One thing that concerns me is what will happen to people like me who realized what a load of bullshit student loans were and found alternative ways of getting our degrees.

I enlisted, i work full-time, i go to school part time and i grind my ass off so that i have $0 debt. If student loans are forgiven this effectively punishes people like me by having us pay for something that lazy retards got for free.

[Anonymous No.49346993]

>>49346863
>20 years
You’ve made a terrible investment with virtually zero ROI and you want someone else to shoulder the consequences? Typical entitlement

[Anonymous No.49347001]

>>49346936
>assuming you can pay it back
Yes. Thats the trick. These retards were told just to get a degree and to get it in anything and didnt stop and think how that would work. Plus so many went to little fancy private schools that had half the major options of state schools and at like 10x the cost. It was dumb even to my 17 year old brain looking at colleges.

[Anonymous No.49347032]

>>49346993
you haven't done lick for me anon. i've responsibly paid my loans. I eat the rice, i drove my 3k car. i have nothing except to pay my loans. ive done this for 13 years. i managed to funnel some out for crypto. i could give a fuck about you at this point.

[Anonymous No.49347033]

"back"
it's not like the banks lend you their money. They created it out of nothing!

[Anonymous No.49347051]

>>49343739
I'm refusing to pay it back, fuck you

[Anonymous No.49347088]

>>49346790
I have yet to see anything that convinced me that the problem is that students are all getting meme degrees. When I was in college almost everyone was going for job-specific degrees like engineering, business, and medicine

[Anonymous No.49347123]

>>49344236
Why would you loan money to someone to take a meme degree that doesn't even offer employment? Checkmate atheists.

[Anonymous No.49347126]

>>49346072
>us

Post nose

[Anonymous No.49347136]

>>49343739
The whole student loan debt is only an issue for kids who studied meme degrees. Like "journalists" and "social scientists". Of course these are the exact same people who write all the articles on how student loan debt is an issue.

[Anonymous No.49347140]

>>49347032
You’ve made your bed now lie in. I paid off all my loans within a year of graduating. Its not the taxpayers fault that your bad a life, sounds like you are taking responsibility but there are people out there at think they deserve a bail out

[Anonymous No.49347143]

>>49344584
I was 17 when I figured it out, and I was top 10%

[Anonymous No.49347203]

>>49343739
17 isn't old enough to drink, gamble or do anything, but you can take out a $80k loan? Seems retarded honestly

[Anonymous No.49347675]

>>49347001
>It was dumb even to my 17 year old brain looking at colleges.
You only say what you say in retrospect. If anything you lucked out and retrofitted the narrative. 17 year olds are not completely retarded, just naive and misinformed. Yeah I call BS on this shit, young people just don't know enough about the world to make big decisions that is a fact

[Anonymous No.49347717]

>>49347088
Business is the most saturated and generic degree. unless you have certain connections or you’re confident in your ability to network, its a meme degree.
As for medicine, its incredibly difficult to get into med school so a ton of non-doctors with pre med degrees are stuck being nurses or not working in the medical field all together after college.
Then there’s engineering/accounting/other. These careers allow you to pay back your degree in a reasonable time assuming you didn’t go to an overly expensive private school and you’re at the median undergrad debt level (30k) or below. The vast majority of college grads are not in stem or this category. Picrel is pretty old but it’s still relevant

[Anonymous No.49347786]

>>49343739
maybe if society didn't lie to people constantly about the value of college until they were 18 I would understand

>>49344236
>meme degree
They still make more money than the average person. There's a lot of networking opportunities and locked career paths

[Anonymous No.49347846]

>>49344761
dangerously based

[Anonymous No.49347892]

>>49347717
>unless you have certain connections or you’re confident in your ability to network, its a meme degree.

they still get hired, and if you're smart in college there's several useful classes you can take as a business degree

[Anonymous No.49347937]

>>49346072
>>49343739

“You shall not charge interest on loans to your brother, interest on money, interest on food, interest on anything that is lent for interest.

Deuteronomy 23:19

[Anonymous No.49347952]

>>49345853
>Nobody knows at 18 what the real world is like.
I knew before I turned 18 hand that college won’t guarantee me a job afterwards and that risky 4 year bids at school will just result in me delaying time and the inevitably that once after school you need to start move on into the real world at wagie desk job for next 30-40 years of your life. I’m 21 now and barely into any debt. I plan to join military and planning to stay until a vatnik or chink caves my skull in with a bullet.

[Anonymous No.49348035]

>>49347937
Oh I didn’t realize the financial institutions were Christian. Mighty hypocritical of them to charge interest in that case then, isn’t it?

[Anonymous No.49348055]

>>49343739
But Jews get interest free loans and can take all the time they need to pay back

[Anonymous No.49348064]

>>49343739
Student loans only exist to counterbalance the net increase in social mobility that might otherwise result from higher education.

[Anonymous No.49348078]

>>49343739
Usury is a sin

[Anonymous No.49348135]

>>49343739
>you took out a loan for 20k
>pay back 500k
nah I'm good jew

[Anonymous No.49348146]

>>49346072
Retard. I already explained that when the Federal government gives out loans for education, their return on that investment is supposed to be a higher income tax revenue from the increased skillset.

[Anonymous No.49348345]

>>49347675
>You only say what you say in retrospect.
No, because I didnt do it at the time either. So i knew immediately.

[Anonymous No.49348356]

>>49346790
>but how would poor - lower middle class afford college?
1 - By enjoying the drop in prices that occurs when the infinite money firehose is turned off and universities are forced to trim fat on worthless spending so that they can be price-competitive, since this will actually matter again.
2 - By qualifying for loans when actuaries are brought in to start actually assessing likelihood of success/ability to pay based on merit and the economic viability of the programs signed up for. The enterprise will still be profitable when funding bright students on the right track toward a good career - and the less promising candidates being "forced" to do something other than waste four years of their lives on a meme degree (and taking on debt-slavery in the process, probably for life) will be a net benefit for both society *and* themselves.

The status quo is both wasteful and malicious. There is no downside to changing it other than the pain/disruption of the transition.

[Anonymous No.49348361]

>>49343739
why do corrupt honorless rats get surprised that a world educated by them starts acting like them?

muh we get to do whatever we want because this shitty book we wrote for ourselves say we get to do what we want to you with no consequences because g-d/satan says.

[Anonymous No.49348389]

>>49346977
>If student loans are forgiven this effectively punishes people like me by having us pay for something that lazy retards got for free.

This is exactly why I never vote democrat and will buy 1 AR15 for every loan forgiven to make dems seethe

[Anonymous No.49348580]

>>49346977
>"effectively punish" a savvy minority, entirely retroactively and without actually doing anything to change their status quo
>fix a dysfunctional, wasteful scam of student finance and negate its deleterious effects on the average person who got hosed by it
This is really not as difficult a choice as you make it out to be. And frankly, the opinions of people who want others to suffer simply because it wouldn't feel fair to them personally if they didn't should not be taken seriously.

[Anonymous No.49348585]

>>49343739
PlatyPoge easy 10-20x from here only 5k mcap on bsc, 3 days old working team and solid community

0x7624e1c999Ef6ea1440471644525142a0000b1F0

[Anonymous No.49348653]

Just not gonna pay it, simple as.

[Anonymous No.49349239]

>>49344236
Why would you give someone a loan for a meme degree that won't even offer employment?
To sell the debt as an asset.
Thank you for playing.

[Anonymous No.49349278]

>>49345967
Look at all this seethe. Dude just get a non meme degree

[Anonymous No.49349304]

>>49344864
Most politicians are from yale or harvard or other big old wealth schools. That's where you get connections, their degrees don't matter. Legal degrees with an english major is optimal for politicians.

[Anonymous No.49349399]

>>49345967
Cope. You act like you’re a child solider in Africa. Not saying your feelings are invalid, but that other Anon is right: we have to live with the choices we make. Be grateful your cousin isn’t eager to get his legs blown off for Israel or start doing gay porn, and maybe grow the fuck up next time you cringe at seeing a wagie slaving away at 45 because they decided to party and do drugs at 18. Either we all have to live with our decisions - and college kids are no exception, or we give everybody a break. One or the other. You college snowflakes don’t get a free fucking pass.

[Anonymous No.49349473]

>>49344236
Why would you loan out hundreds of thousands of dollars to a child for a "useless degree"? Seems like a shitty investment.

[Anonymous No.49349511]

>>49344278
you sound like you work at starbucks

t. broker owner investor

[Anonymous No.49349530]

>>49346977
They magicked that money into existence out of nowhere. You were not punished you stupid nigger some people are just exploiting other venues. You paid off your loans as did I, I commend you for that. Kikes and their familiars are trying to divert attention from themselves by blaming these idiots. Don't fall for their tricks, the whole system is to blame not lazy fucking students.

[Anonymous No.49349561]

>>49344584
>He believes he won't be affected by a large portion of society becoming slaves to hundreds of thousands of dollars in debt.
When people can't buy homes, cars, or have children because they can't afford it, watch as society crumbles. The middle class has basically been entirely erased and the only way left to go is down.

[Anonymous No.49349600]

>>49348146
sorry chuds, but there is no guarantee that just because a person gets a degree that will translate to them learning useful skills and contributing more to the economy. Sometimes people drop out, sometimes they end up in jobs that don’t pay enough which means they have to rely on govt handouts. We would rather just make money off of you as quickly and easily as we can, which means just charging you interest you have to pay back.

[Anonymous No.49349625]

>>49346072
Ah yes, just keep sucking them dry to the point where the loan will never be payed off and you just keep swindling them for all theyre worth. Because that is much better (for you) for the loan to never actually be paid off.
Fucking kike, if you want your fucking money back then that is possible, but you dont JUST want your money back, you want ALL of their money in addition to it.
You knew what you were doing when you loaned them money.
Fucking interest slavers.

[Anonymous No.49349741]

>>49349399
>Either we all have to live with our decisions - and college kids are no exception, or we give everybody a break.
This is pure bootlicking faggotry. No, the entire civilizational moral bedrock of personal responsibility is not going to collapse into communism just because we elect to reform predatory Jewish finance away from indentured servitude as a permissible business model. And, in point of fact, we already do give everyone else in every other circumstance exactly the break you're talking about - bankruptcy law and limited-liability business entities exist specifically because we've *already* decided that giving everyone a break is preferable to suffering the ethical and macroeconomic effects of allowing excessive debt and perpetual debt servitude to hang over the heads of people as a risk and reality. We don't allow the status quo in student finance because of muh high ideals of personal responsibility, we allow it because boomers have been let in on the take by financiers to fatten their pension plans by scamming the young. Period.

[Anonymous No.49349823]

>ITT: usurious jews preying on children bleat on about how righteous and pure their extortions are
Cry harder. Nobody wants to play your games and you will lose in the end.

[Anonymous No.49349889]

>>49344761
Fuck you. Inflation is bad enough now. You faggots want to make it worse? Do you want civil war?

[Anonymous No.49349890]

>>49344584
I never understand this line of thought. So you (correctly) found out that it was all a scam and would lead to financial ruin. You escaped it. Most of the country did not. Student debt is bigger than credit card debt and shows no signs of changing. I'm not saying the debt needs to be discharged, but there's a growing number of people that are essentially forced into wage slavery to pay back a debt they will in all likelihood never accomplish. That societal hindrance comes with real world consequences, and it includes you.

To my own life, I have $15,000 left on $20,000 of debt. I do fully intend to pay it back, and it's not as if it's impossible to pay back...or would not be, if I were in an economy where the degree I gained gave me a job that was able to clear costs of living at a rate where I could pay more of it back than a bare amount over the interest on the loan. $15,000 isn't chump change, but if I weren't being bled dry by costs of rent, gas, utilities, and taxes I'd be able to pay it in a year with no problems whatsoever. That's the real issue here, everyone is stretched too thinly and so are constantly at risk of financial ruin, everything is bloated and there's no security except for the obscenely lucky or intelligent. I can't fault many of these NEETs for just giving up and saying fuckit to the system, however foolhardy and suicidal it is.

[Anonymous No.49349936]

>>49349889
(((inflation))) is only a problem because jews are allowed to price gouge without flaming bricks hitting them in the heads.

[Anonymous No.49349956]

>>49344584
I did figure this out thankfully but this isn't really fair. Society can not function unless most people listen to what authority figures tell them.

[Anonymous No.49349974]

>>49344237
Because kikes only charge interest to goyim they don't do it to each other

[Anonymous No.49349984]

I would agree with this except you basically proved you'll print money to give to business and send to Ukraine and all this extra shit. So no, I won't pay it back. Maybe spend that money on your people instead jews.

[Anonymous No.49349994]

I paid mine off, but ultimately it was not the right choice. I should've put every penny into bitcoin back in 2012.

[Anonymous No.49350007]

Why cant hedge funds?

[Anonymous No.49350010]

>>49343739

[Anonymous No.49350025]

>>49344236
>Be 18 year old
>take out gigantic student loan
>put it in crypto instead
>live at home with your parents.
>Work some shitty part time job. The loan company adjusts the monthly payment based on your legit income. This way, you pay like $100 a month and the bank doesn't ask any questions.
>Pay back the loan in 5 to 8 years when your stack matures, retire a multimillionaire by 26.
It's not that hard.

[Anonymous No.49350037]

>>49343739
It's a scam. A degree is pretty much an entrance barrier into every job nowadays and you're having teenagers making financial decisions equivalent to mortgages. The whole thing is a predatory. Make public universities tuition funded through taxes like public high schools

[Anonymous No.49350084]

>>49349889
its already priced in. what's not priced in is the new loans being handed out every semester that you continue to pay for with your tax dollars

[Anonymous No.49350147]

Make the universities foot the bill. That is all.

[Anonymous No.49350162]

>>49347786
I'm so glad that I spent 200k on a stem degree so I can make only 7 dollars an hour above my states minimum wage. Kys.

[Anonymous No.49351210]

>>49346977
And you're gonna drop dead at 50 after working a 50+ hour week with no a single hair left on your head and bags under your eyes that touch the floor

[Anonymous No.49351361]

all these student debt threads are made by glowies. even boomers dont believe this crap anymore.

[Anonymous No.49351455]

>>49349473
it’s only a good investment because congress passed a law 20 years ago to make specifically student loans non-dischargable in bankruptcy. anyone who doesn’t understand the societal benefit of personal bankruptcy is a mouth-breathing retard.

[Anonymous No.49351514]

>>49350084
No, the lowered interest rates a subsidized heavily by our tax dollars. Forgiving the debt is definitely not priced in.

[Anonymous No.49351515]

>>49343739
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[Anonymous No.49351660]

>>49344237
Calm down nazi.

[Anonymous No.49351747]

I WILL take out loans
I WILL spend your money
I WILL NOT pay you back
I WILL vote left until things start to collapse
I WILL move to mexico afterwards

[Anonymous No.49351798]

>>49343739
>Why can't zoomers understand this simple logic?
Why can't bankster kikes understand this simple logic?
Why do their banks need billion dollar bail outs?

[Anonymous No.49351890]

I am paying it back. My student loan is £59,000, im paying off £57 a month.

Whats the problem?

[Anonymous No.49351909]

I'm paying it back
120k in the hole
110k income
24 fwiw

[Anonymous No.49351963]

>>49351455
You know, it’s really a good thing we didn’t do something dumb and let the guy who sponsored that bill larp as president
This is why I laugh any time student loan forgiveness is proposed in any capacity

[Anonymous No.49352575]

>>49346977
>If student loans are forgiven this effectively punishes people like me

Your existence is punishment enough.

[Anonymous No.49352685]

>>49351514
a lot of that debt just isn't coming back. its already spent and already gone. its priced in

[Anonymous No.49352934]

>>49344761
Thread

>>49349984
Cry more commie vatnick.
https://en.wikipedia.org/wiki/Russian_cruiser_Moskva

[Anonymous No.49353098]

I don't buy anyone who is posting in the brand of YOU JUST NEED TO SUCK IT UP AND LEARN RESPONSIBILITY


You're a fag, a jew, and I'm never paying a cent lmfao

[Anonymous No.49353451]

>>49344236
Why would you offer a loan to someone who obviously won't have the means to pay it back? There's actually supposed to be laws against predatory lending believe it or not

[Anonymous No.49353581]

>>49344404
>you can't expect an 18 year old to really make a sensible financial decision
IQ hardly changes with age (unless you get demented)
if you were a retard as an 18yo you will be a retard as a 30yo

the retard who decided to go $40k in debt at some random "gender studies" college to party and fuck for an extra 4 years will be the same retard who will be struggling to understand the concept that credit cards are not "free money" 20 years later and be a complete state parasite

[Anonymous No.49353627]

>bank forces you at gunpoint to sign an extortionate loan
>"it's ok just pay it back and the problem is solved"

[Anonymous No.49353680]

>>49352934
>America sends all your tax dollars to foreign countries
>"C-cry more vatnik."
Is this the power of Zogbots?

[Anonymous No.49353723]

>>49353680
you are talking to a nation of people that have an organized foreign body interfering in their politics (AIPAC) and pay 5-10$ billion tribute to israel annually

[Anonymous No.49353727]

Maybe college shouldn't be so expensive

[Anonymous No.49353819]

I have a meme degree (Japanese) and I work as a translator and only make 60k. I could have just worked in a factory and made that without going to school. At least I only owed about 20k worth of debt.

[Anonymous No.49353885]

you are college educated, i.e. priviledged and rich. id unironically bail out credit card debt retards before you, and i will never bail them out

[Anonymous No.49353931]

>>49349741
>Bankruptcy is the easy way out
If you unironically believe that you know nothing of bankruptcy
It's not just a 'hit button and reset debt to 0', you still have to pay

[Anonymous No.49354010]

>>49349956
>Society can not function unless most people listen to what authority figures tell them.

That is legitimately the dumbest fucking thing I've ever read on this site, and I've been coming here for years. Wtf is wrong with your fucking brain, you absolute waste of protein. Start learning how to think for yourself or learn how to stop complaining when you get fucked in the ass by literally everyone else on the planet.

[Anonymous No.49354251]

>>49353727
the solution is this simple
why am i paying for education when i got the first 18 years of it for free

[Anonymous No.49354313]

>>49352934
What are you fucking on about

[Anonymous No.49354355]

>>49354251
>why am i paying for education when i got the first 18 years of it for free
well because the rest of society doesn't want to pay more taxes to pay for your education

[Anonymous No.49354421]

>>49354355
Why? It's in their best interest

[Anonymous No.49354797]

>>49343739
>Take out a loan
>Don't pay it back
This one simple trick...

[Anonymous No.49354886]

>>49344236
Only patricians study art for a living. In fact if you traveled back in time to Ancient Greece or Rome they would think you were a slave if you spoke about your job all the time like plebs do in modern times. Only the elites had the time, energy, and freedom to produce good art (which time and energy are ironically what’s needed to produce art). Go make a YouTube channel, blog, painting business, etc. after working 40 hours a week and lmk how that goes. Then quit job sell all material book ticket to cheap country like Vietnam and try again. Update us with the results.

Art is for aristocratic brats, stem degrees and trades are for wage slaving plebs.

[Anonymous No.49355006]

>>49343739
As soon as colleges realize

>I'm paying for a DEGREE IN X
>I am not using a gym membership.
>I have no interest in mandatory Shakespeare classes that I can learn and enjoy on my own time.
>So requiring a gym fee and shakespeare classes to get my degree is nothing short of fleecing.

[Anonymous No.49355424]

>>49348035
keep defending usury

[Anonymous No.49355469]

nah lmao
oh 10k off my loans? Cool I didn't even plan on paying it anyways rofl

[Anonymous No.49355472]

>>49355424
it's funny because the goyim BEG for loans, so much that when they cannot get money from traditional institutions, they switch to loan sharks and get in all sorts of trouble

[Anonymous No.49355480]

> transfer unpaid (taxpayer backed) debt to the college where the student attended.
Problem Solved.

[Anonymous No.49355506]

>>49344146
>If you stack the deck against me I'm not going to play by the rules either.
That's ok then the person you owe the money to can have your door kicked in and your phone and laptop taken.

[Anonymous No.49355521]

>>49355506
which makes them more deserving of losing money on loans and being shot in the head, not less

[Anonymous No.49355602]

>tfw had just pulled decent grades and the school and government basically payed me to go
>got out with less than 7k in debt
Had a job before I graduated too, the fuck are other people doing?

[Anonymous No.49355840]

Just uh, don’t go to college. If there’s one single good thing that’s come out of “hustle culture” it’s that it teaches young men the world is a fucking jungle and at the end of the day you will need to rely on yourself and your own skills to carry you, and not what a piece of paper says about you. College has been a debt trap for literally 3 decades now, the late 80’s were the last time getting a college degree actually insured a decent living. Now you have the internet, and can teach yourself. You can learn anything you want, as much as you want, meanwhile your competition is banking on quickly devaluing degrees being more valuable then your hard learned knowledge. This doesn’t mean you need to go to trade school, your options are not either get a degree or go to trade school you have more options than that. The return on investment for a college degree is fucking abysmal. Don’t fall prey to it

[Anonymous No.49355866]

>>49355602
They didn't have nepotism

[Anonymous No.49355908]

Stop letting lenders lend infinite money to people with no ability to pay it back. Allow student loans to be discharged during bankruptcy and magically there won't be lenders offering $50/year for art history degrees and suddenly schools will have to lower prices due to lack of enrollment. Shocking idea.

[Anonymous No.49355926]

>>49343739
Loans with interest were always going to be unpaid in the long term, it's why usury was often banned. To pay interest it requires growth, and growth can't happen when you have scarce resources.

Boomers used the most resources and Gen X the 2nd most. Zoomers simply never had a chance, there is literally no energy left for them.

[Anonymous No.49356071]

>>49343739
The availability of college loans to clueless 18 year olds is why college is so expensive and why these idiots pursue useless 4 year degrees.
Why are student loans even a thing? The federal government need to shut down their own <<loan>> program that allows 18 year olds to snort cocaine with bunch of other degenerates

[Anonymous No.49356546]

>>49343739

Zoomers never went to college. its Millenials who took out those loans

[Anonymous No.49356563]

>>49347786
>. There's a lot of networking opportunities and locked career paths

kek

[Anonymous No.49356881]

>>49349889
yes, during the civil war I intend to make a human skin vellum tome out of the perpetrators of this cycle of debt slavery explaining all that happened to future generations. Hopefully before I die.

[Anonymous No.49357155]

>>49347717
Saturated yes but if you have differentiators then it doesn't matter
Most STEM is for highly paid wagies unless you go to a top school and just make connections anyway

[Anonymous No.49357466]

>>49344146
Yes your are nigger. Dems will NEVER fogibe yoru denbts

You WILL pay it back like a cuck

and I came thinking about it

I SAID NO PICKLES TAKE IT BACK

[Anonymous No.49358150]

>>49344236
Because your parents, your teachers and your school couselors told you it was a good idea the entire time you were in high school.

[Anonymous No.49358173]

>>49353931
>easy way out
Not the point. It's *a* way out, and one that well-established public policy interests support existing, alongside the extensive regime of liability-limiting business rules. I repeat: The special carved-out status of student loans is a serious, radical deviation from the longstanding norm both legally and ethically, and there's nothing radical at all about proposing a change to that.

[Anonymous No.49358249]

>>49353451
>>49344169
>government tells the lender they will be made whole at the taxpayer's expense even if the borrower doesn't pay it back
>lenders suddenly willing to lend to people who don't stand a chance of paying it back
Socialism, bitch

[Anonymous No.49358289]

>get gaslit by boomers since childhood into thinking you won't get a good job without college
>Boomers get mad when the people are made they got gaslit

Boomers that do this need to be dropkicked, for real

[Anonymous No.49358329]

>>49344169
this
why does the creditor get off without blame here
maybe lending tens of thousands of dollars to stupid college age kids isn't a good idea

[Anonymous No.49358372]

>>49358173
You could just, NOT, fall for the meme and get a student loan as many anons ITT have already stated
On that note, Bankruptcy also works 7 years after you stop being a student to be used on those loans as well

[Anonymous No.49358413]

>>49349741
Cringe. Ask your Doordash driver or your waiter if they care about bankruptcy laws and LLC’s. You’re delusional. They aren’t less of a person than you are - they are living with bad decisions they made too. Why should you get a pass?

[Anonymous No.49358470]

>>49358372
>On that note, Bankruptcy also works 7 years after you stop being a student to be used on those loans as well
thats not true at all dumb faggot

[Anonymous No.49358485]

why is biz full of neet don't-want-to-work dodge-my-taxes people but also retarded 'PAY YOUR LOANS' people? how about this - fuck paying loans and fuck paying student loans in particular. the government can go grift someone else. enjoy my $0 payments. i make 200k a year btw. paying student loans because of your made up moral obligation is for poor people. people with money dont give away money when they could use it for something better

[Anonymous No.49358933]

>>49358372
>Bankruptcy also works 7 years after you stop being a student
Not really. The "Undue Hardship" test applied to student loans in their own special carved out proceedings is a drastically higher bar to reach than other forms of debt. Technically, a literal poor person won't be forced to skip meals on the streets to pay the loan - but for all other intents and purposes, no, it really doesn't apply.
>>49358413
>Why should you get a pass?
I literally gain nothing from this anyway. I'm an attorney from a silver-spoon background who never had to worry about student loans in the first place. I'm simply not a moron, and so the obviousness of how bizarre, how far-removed from hundreds of years of legal norms, and how draconian this weird carveout for this particularly socially-harmful debt is became obvious to me pretty quickly.

I recognize the fact that not everyone has a Legal background to make this obvious at a glance, but you need a room-temperature IQ (or, more likely, just the ability to turn your brain off *as if* your IQ is that low to feel self-righteous) to not be able to connect the dots when somebody points out: "Hey, it's kinda funny how we have all these rules to put limits and restrictions on how hard you can get fucked by debt for literally everybody other than newer generations of young people doing what they're told to seek social mobility, isn't it?"