How are you planning to pay off your student loans, /sci/? The odds are against you.

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Anonymous Mon Sep 19 17:13:26 2011 No.3766194 [Reply] [Original]

How are you planning to pay off your student loans, /sci/?

The odds are against you.

>>	Anonymous Mon Sep 19 17:15:26 2011 No.3766214 I'm a graduate student in a physics PhD program with no debt. You get paid to be a graduate student. That said, I do have a fellowship to supplement my RA stipend, and also had a nice scholarship in undergrad that covered tuition.

>>	Anonymous Mon Sep 19 17:16:20 2011 No.3766216 File: 212 KB, 500x560, heather-knight.jpg [View same] [iqdb] [saucenao] [google] > mfw I already have a job, I'm 35, youngfags have to struggle just to pray they make what I'm making

>>	Anonymous Mon Sep 19 17:20:26 2011 No.3766245 >>3766214 So you have zero debt?

>>	Anonymous Mon Sep 19 17:27:20 2011 No.3766297 File: 22 KB, 410x288, David_Wells_Shrug.jpg [View same] [iqdb] [saucenao] [google] >mfw my family isn't poor

M Mon Sep 19 17:27:26 2011 No.3766298

>>3766194
I'm a graduate student in an engineering PhD program and I have $4500 in debt. My parents paid for my undergraduate, though I did get some scholarships which helped a little bit. I was also old enough to have Zero Coupons, which when matured, basically paid for my first 2 years (I'm 26 years old now).

As a graduate, I get paid both in stipend and from a fellowship.

>>	Anonymous Mon Sep 19 17:28:26 2011 No.3766303 >>3766245 Yes. Nothing but the rolling debt on my credit card, which I pay off in full every month.

>>	Anonymous Mon Sep 19 17:32:26 2011 No.3766322 File: 779 KB, 1600x1256, studentloandebt.jpg [View same] [iqdb] [saucenao] [google] get lots of scholarships before college and not have to worry about a lot of student loans. probably best solution...

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 17:34:26 2011 No.3766337 >>3766194 As I am intelligent, I received scholarships.

>>	Anonymous Mon Sep 19 17:40:26 2011 No.3766367 >>3766337 >As I like to take government money, and then hate on them, I too love being babbied.

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 17:42:26 2011 No.3766389 >>3766367 I have never received public money for any reason, ever.

>>	pics pics Mon Sep 19 17:45:26 2011 No.3766404 >>3766337 pics

>>	Anonymous Mon Sep 19 17:49:26 2011 No.3766427 >>3766389 a.k.a. coddled by mommy and daddy. >inb4 you're a god damn liar

>>	Anonymous Mon Sep 19 17:50:26 2011 No.3766435 >>3766389 >scholarship >not public money wut

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 17:52:26 2011 No.3766448 >>3766435 > thinks scholarship means grants from gubbmint I received "private" scholarships.

>>	Anonymous Mon Sep 19 17:53:26 2011 No.3766455 >>3766448 >taking money from "private" sources is OK, but "public" sources is not Your logic is fascinating.

>>	Jorgen von Strangle !!mgMKicKl27e Mon Sep 19 17:54:26 2011 No.3766459 >implying I'm not going to kill myself to get out of it

>>	sage Mon Sep 19 17:55:26 2011 No.3766466 >>3766389 So uh, define what you considered non-public? Do you think scholarship money offered to the public is private?

Anonymous Mon Sep 19 17:55:26 2011 No.3766467

>>3766194
Leverage chemistry degree to manufacture and sell drugs.
Leverage computer science to hack and steal credit card details.
Leverage mechanical engineering degree to manufacture and sell illicit firearms.
Leverage MD to steal and sell kidneys.
I think you get the general idea.

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 17:56:26 2011 No.3766475 >>3766455 Receiving through consent of those giving ≠ money taken from masses without consent You seem to have a small problem with logic, reason, and rationality.

>>	Anonymous Mon Sep 19 17:56:26 2011 No.3766481 I already have. feelsgoodman.pdf

>>	Anonymous Mon Sep 19 17:57:26 2011 No.3766484 >>3766455 Stop responding to Liberty, dumbass.

>>	Anonymous Mon Sep 19 17:58:26 2011 No.3766488 Never paid for courses. Already paid back what I borrowed. Pre-1998 Britfag master race.

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 17:59:20 2011 No.3766493 File: 48 KB, 422x512, 4561cfd3-9b6e-4f0d-94db-dad22c1ec0a9.jpg [View same] [iqdb] [saucenao] [google] >>3766466 A public scholarship is money from the government to a person. >>3766484 > mfw

>>	sage Mon Sep 19 17:59:26 2011 No.3766497 >>3766448 Do these private scholarships pay taxes?

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 18:00:26 2011 No.3766507 >>3766497 Are scholarships by private individuals tax deductible?

>>	sage Mon Sep 19 18:01:26 2011 No.3766510 >>3766493 A public scholarship is any scholarship offered to the public. They exist for tax purposes, so they ain't payin taxes on em. Durr.

>>	sage Mon Sep 19 18:03:26 2011 No.3766520 >>3766507 I'd imagine so, seeing as they gain interest on their funds, which are generally taxed. But i'd hjave to investigate.

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 18:03:26 2011 No.3766522 >>3766510 The population of a school that are eligible for scholarships from private individuals are not "the public."

>>	Anonymous Mon Sep 19 18:03:26 2011 No.3766523 Fortunely I'm not studying in USA sucks to be you guys

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 18:04:26 2011 No.3766529 >>3766520 The student that receives a scholarship does have to declare said scholarships as income on their tax return.

Anonymous Mon Sep 19 18:05:26 2011 No.3766533

>How are you planning to pay off your student loans, /sci/?

I have a moderate amount of loans incurred during undergrad years for living expenses as everything else was paid by scholarship and grant money.

As a grad student, I'm getting paid a good enough amount to continue paying the loans back and live comfortably.

>>	Anonymous Mon Sep 19 18:07:26 2011 No.3766542 >>3766523 Are you a eurofag? How much would it cost me to go to school in Europe?

>>	Anonymous Mon Sep 19 18:08:26 2011 No.3766549 >>3766542 If you're a European citizen, and depending upon your member country, $0 to $9000-ish a year. If you're an American, probably a whole lot more.

>>	Anonymous Mon Sep 19 18:09:26 2011 No.3766555 >>3766522 Who are the public then?

>>	Anonymous Mon Sep 19 18:09:26 2011 No.3766556 less than 1000 euros a year

>>	Anonymous Mon Sep 19 18:09:26 2011 No.3766560 Government paid for my bachelors Parents paid for my masters. What loans, OP?

>>	Anonymous Mon Sep 19 18:10:26 2011 No.3766563 >>3766549 Do you have a rough estimate? I don't want to get $50,000 in debt, is it less than that?

>>	Liberty !!nQrIRh+JHbs Mon Sep 19 18:12:26 2011 No.3766575 >>3766555 Government run entities are public. Government grants are public. The person given a scholarship by a private individual for meeting requirements they support is not the "public."

>>	Anonymous Mon Sep 19 18:12:26 2011 No.3766577 >tfw you've never had student loans Oh scholarships, you complete me.

>>	Anonymous Mon Sep 19 18:13:26 2011 No.3766580 >>3766563 I can only speak for Britain, but International students pay roughly, depending on the university, about $10,000 a year. So for a four-year course...

Anonymous Mon Sep 19 18:13:26 2011 No.3766584

>>3766549

Undergrad student tuition for my in-state school for 30 credit hours (two semesters average) is $5700.

Granted it was one of the cheapest tuitions in the country and that's about to change because, with the size of the school, they can't really afford that anymore.

It is competitive with European schools though.

Inb4
>State schools
>Good

Fuck off, if you work like you want it your undergrad means shit (unless you're only getting your BS).

>>	Anonymous Mon Sep 19 18:14:26 2011 No.3766591 >>3766580 Fuck that shit. I'll just stick to community college for 2 years and transfer. It's cheaper.

>>	Anonymous Mon Sep 19 18:16:26 2011 No.3766603 >>3766580 You should all remember this next time you walk into your college building. the foreigner is worth more to them than you will ever be. You are expendable

>>	Anonymous Mon Sep 19 18:18:26 2011 No.3766616 >>3766603 Not only will I be a foreigner, I would also be a minority. Your government (or Parliament) loves that shit.

Anonymous Mon Sep 19 18:20:26 2011 No.3766630

>>3766603
English students now have to pay about £9,000 a year for the best universities, which can't be far off $10,000.

The university system in Britain is completely screwed anyway. The quality of intake is abysmal, the majority of courses are terrible, and the finished product - so say employers - is woeful.

Too many people think it's a right to go to uni, when, actually, they are to stupid for it.

>>	Anonymous Mon Sep 19 18:22:26 2011 No.3766638 >>3766630 It's better than not going to uni and having to work at WalMart. If I went to trade school I'd feel like another average joe electrician or some shit.

>>	Anonymous Mon Sep 19 18:23:26 2011 No.3766642 I wouldn't call paying 200 Euro a year "being in debt". Ah, you Americans, how silly you are.

>>	Anonymous Mon Sep 19 18:23:26 2011 No.3766645 >>3766630 Honestly, that shits all just delusions and lolly pops. How on earth do you even calculate whether the grad you're employing is above/below what is currently the state of education? Anyways, people like liberty make me cry.

Anonymous Mon Sep 19 18:24:26 2011 No.3766650

>>3766630
Too.*

But as the growing numbers of graduates are forced into less well paid jobs, as there are too many of them, the Trade professions often earn more than graduates.

I'm a chemist, haven been for 15 years, my dad is an electrician - he earns more than I do.

>>	M Mon Sep 19 18:27:26 2011 No.3766662 >>3766580 That's so cheap....just $40,000 for undergraduate.

Anonymous Mon Sep 19 18:27:26 2011 No.3766665

>>3766645
It's a well know phenomenon in Britain.

The employer hires a recent graduate from an average university. The employer expects that graduate to have excellent English, maths, and can manage their own time and such.

What he usually gets is a self-righteous clown who is semi-literate and has no work ethic.

So some of the high-flying companies here introduce exams for the companies, since every idiot now has a degree of some sort.

>>	Anonymous Mon Sep 19 18:30:26 2011 No.3766681 >>3766662 you can add to that renting a house/apartment, food, entertainment, etc. You could easily double that figure. London? Cambridge? Oxford? Multiply by about 2.5. $100,000

>>	Anonymous Mon Sep 19 18:31:26 2011 No.3766691 >>3766194 Dat $2000 AUD... Going to be hard pressed to pay that shit.

Zoologist !!d1rrJ+p+/nz Mon Sep 19 18:32:26 2011 No.3766696

>graduating in December with 3K in loans
>feels good man

It would have been zero, but the state changed one of the scholarships and didn't grandfather anyone that was awarded with the older system.

And if I can't get a job within 5 months of graduation doing zookeeping, I'm going to apply for a teaching position.

>>3766584
Sounds like somewhere in Florida. I know it's pretty cheap here.

Anonymous Mon Sep 19 18:34:26 2011 No.3766703

>>3766665
I just don't really think empolyers know how to hire anyone without a certification system.

The end is that employers should find a way to supplement the educational system if they want better workers.

Same thing happening in the US, and I imagine it's getting worse, since colleges are now gearing towards making income off their students, which just leads to total devaluation of the diploma.

>>	Anonymous Mon Sep 19 18:35:26 2011 No.3766711 >>3766696 Yeah, it was UF. They changed Bright Futures my last year and it's only become worse. I'm assuming you too huh?

>>	Anonymous Mon Sep 19 18:36:26 2011 No.3766717 Thank god my poor-ass country is at least smart enought to subside all of our education and actually PAYS ME to get my master's degree Feels Brazilian bro

>>	Anonymous Mon Sep 19 18:39:26 2011 No.3766732 $100k in debt here. Going back to school soon just to escape payments. Going to delay repayment as long as I can, and then suicide.

Anonymous Mon Sep 19 18:39:26 2011 No.3766736

>>3766696

>And if I can't get a job within 5 months of graduation doing zookeeping, I'm going to apply for a teaching position.

Fellow bio major here too.

My advice (although zoology wasn't really my thing), substitute teach.

Most zoos want at least a year's experience if not more in animal handling. This is going to require unpaid internships 9/10 times.

Substitute teaching allows you to hold an open schedule, requires little certification (if any), and pays well if you take jobs enough.

Also, be available to move around. There is a zoo in just about every major city. Don't get overly picky.

Please say you want to work with primates!

>>	Anonymous Mon Sep 19 18:40:26 2011 No.3766739 >>3766717 No worries, eventually socialism gets phased out when the rich are suddenly atleast 5x more wealthy than the plebs, and realize if they keep giving education away, they'll lose their arbitrary stranglehold.

>>	Anonymous Mon Sep 19 18:40:26 2011 No.3766740 $30k in loans when i graduate undergrad i don't know, hopefully i'll get a decent job out of grad school (chemistry)

Zoologist !!d1rrJ+p+/nz Mon Sep 19 18:44:26 2011 No.3766762

>>3766711

Yup. I thought it sounded like UF, to, the way you put
>that's about to change because, with the size of the school, they can't really afford that anymore.
Although tuition rising at UF has little to do with the size of the school. USF and UCF are just as large and not demanding block tuition at the 15 credit hour rate along with an illegal 30% increase in tuition per year.

>>3766732
This is another interesting phenomenon. I've heard many people that have a lot of loan debt saying that if they can't get a job before they have to start paying that they'll just go back to school for a masters. It will be interesting to see how that plays out, as then you will have a lot of young people under much higher debt (unless graduate programs REALLY subsidize your expenses) all with masters degrees trying to look for work.

>>3766645
Liberty's a giant troll. If you haven't figured that out by now, this is me telling you that.

>>	Anonymous Mon Sep 19 18:44:26 2011 No.3766760 >>3766739 I'll have been a PhD for some time then, and very much likely to be one of the rich guys

>>	Anonymous Mon Sep 19 18:46:26 2011 No.3766773 >>3766762 ok EK

>>	Anonymous Mon Sep 19 18:47:26 2011 No.3766785 >>3766762 another alternate personality? Holy shit, Teacup must be on the verge of suicide. That poor Scottish bastard.

>>	Anonymous Mon Sep 19 18:48:26 2011 No.3766792 >>3766194 got over 100% scholarship for undergrad. used military to pay for med school. 0 debt. anyone who takes on more than $10k with a non-STEM degree, or $50k with a STEM degree is retarded.

>>	Anonymous Mon Sep 19 18:50:26 2011 No.3766808 >>3766762 Not that I agree with the bullshit they're pulling but UCF and USF do have higher tuitions than UF.

Zoologist !!d1rrJ+p+/nz Mon Sep 19 18:50:26 2011 No.3766809

>>3766736

>Most zoos want at least a year's experience if not more in animal handling. This is going to require unpaid internships 9/10 times.
Already have 500+ hours in internships. What do you think summers are for?

>Substitute teaching allows you to hold an open schedule, requires little certification (if any), and pays well if you take jobs enough.
Certification isn't an issue. I'm doing a 25 credit teaching minor specifically geared towards making STEM majors into awesome teachers, and when you're done, so long as you take the 2+ state certification tests (General knowledge, professional proficiency, and subject area tests) you're temporarily certified. And that certification lasts 3 years.

>Please say you want to work with primates!
I've heard a variety of things about working with primates. The amount of power they hold is a little scary, although a lot of non-primate keepers I have talked with think that primates are creepy because of how human they appear, for some reason. Had I been thinking father ahead, my required second language credits would have been in sign language and not French, but that's just the way it is. I'd be pretty much open to whatever position I could get, to be honest.

Anonymous Mon Sep 19 18:54:26 2011 No.3766834

>>3766809

Awesome man, you really know what you're doing.

I never wanted to go into zookeeping, the idea sort of came to me and I decided to investigate after the fact just to see.

Careful with that teaching though. I have a friend teaching science now. Personally I'd rather deal with big cats than some of the students he tells me about.

>although a lot of non-primate keepers I have talked with think that primates are creepy because of how human they appear, for some reason.

This is THE reason I would work with them. That maybe some of my anthro. background talking though.

Zoologist !!d1rrJ+p+/nz Mon Sep 19 19:02:20 2011 No.3766901 [DELETED]

>>3766773
>>3766785
>Call yourself a zoologist
>Everyone pretends you're EK
>mfw there is actually only one zoologist in the entire world, and it's EK
>mfw Steve Irwin didn't actually die; it was an elaborate cover so that he could stop being so famous and continue to be every zoologist simultaneously

>>3766808
UCF: $186.13
http://www.iroffice.ucf.edu/character/current_tuition.html
USF: $191.06
http://usfweb2.usf.edu/uco/cashaccounting/Current_Tuition_with_Differential.asp
UF: $188.55
http://fa.ufl.edu/ufs/cashiers/2011/fee-tier-ay2011-20088.asp
(Why does it always take forever to find the actual cost per credit hour for UF, instead of an estimate?)

UCF is more expensive, but only slightly. However, had Bernie Machen been able to achieve his 30% tuition raise, UF would be the most expensive.
Still sucks, though.

Anonymous Mon Sep 19 19:10:26 2011 No.3766942

>>3766901

Well crap, they lie through their teeth.

Or it maybe that they said "As compared to similarly ranked schools throughout the country."

And then they're using a useless metric because someone in Florida would pay way more to go to one of those schools.

Whatever, I'm glad I'm out of there although I miss how relaxed the city was.

>>	Anonymous Mon Sep 19 19:15:26 2011 No.3766971 I'm going to leave the country once I pay off the one my parent's cosigned ($22k). Fuck the banks. Or I might try to start a business.

Zoologist !!d1rrJ+p+/nz Mon Sep 19 19:17:26 2011 No.3766986

>>3766834
>Awesome man, you really know what you're doing.
Thanks.

>I have a friend teaching science now. Personally I'd rather deal with big cats than some of the students he tells me about.
Yeah, but at the same time, I'd like to not live at home forever, and currently those are my best two options.
Being a substitute, I think, would bring out more bad behavior than being the regular classroom teacher. I mean, students don't start out being out of control.
After getting experience teaching in several classrooms (I told you it was an awesome minor, right?), I think most of the time when students act out it's because they're bored, apathetic, or something non-school related is causing a problem. I've also determined the fact that I think middle schoolers are more fun. They're not as apathetic yet.

>>3766942
>Or it maybe that they said "As compared to similarly ranked schools throughout the country." And then they're using a useless metric because someone in Florida would pay way more to go to one of those schools.
Sounds like something UF admin would do.

>I'm glad I'm out of there although I miss how relaxed the city was.
>relaxed city
ARE YOU SERIOUS?! THERE ARE CRAZY PEOPLE EVERYWHERE! I HAVE NEVER SEEN SUCH A HIGH CONCENTRATION OF CRAZY IN MY ENTIRE LIFE, not that that counts for much, but this has been my impression. Of course, it might be skewed because I don't go out drinking at bars.

>>	Anonymous Mon Sep 19 19:36:26 2011 No.3767078 >>3766986 >ARE YOU SERIOUS?! THERE ARE CRAZY PEOPLE EVERYWHERE! I HAVE NEVER SEEN SUCH A HIGH CONCENTRATION OF CRAZY IN MY ENTIRE LIFE I live in New Orleans now. You want to take about crazy/sq. mile?

>>	Anonymous Tue Sep 20 01:18:26 2011 No.3768718 So, /sci/ is going to either have no debt because rich people payed their way for them or they're going to end up in debt forever with destroyed credit and nowhere to live. What a world.

Anonymous Tue Sep 20 01:21:26 2011 No.3768734
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my grandparents died with nearly 1 million dollars in assets.

They put a huge importance on education.

Guess how much i just have sitting in the bank, dedicated to paying for my university education.

Anonymous Tue Sep 20 01:28:26 2011 No.3768764

>>3766194
I've been out of school for a few years because it became too difficult too support myself while going to school. Last week I found my father, whom I have never met. He is a citizen of Australia, so I am eligible for citizenship by descent. Australia has a program student loan program called HELP which attaches loan repayments to income taxes. So I'm going to get a HELP loan, go to school in Australia, then renounce my Australian citizenship and move back to the states. Practically free school.

>>	Dopamine Reward Pathway None !!EcecOWLy6pI Tue Sep 20 01:50:26 2011 No.3768865 File: 39 KB, 523x273, student loans 1.jpg [View same] [iqdb] [saucenao] [google] >>3768718 makes you feel for the liberal arts majors doesn't it?

>>	Anonymous Tue Sep 20 01:54:26 2011 No.3768886 >>3768865 why would I feel bad for stupid people?

>>	Dopamine Reward Pathway None !!EcecOWLy6pI Tue Sep 20 01:56:26 2011 No.3768903 >>3768886 you shouldn't just make fun of them on failbook

>>	Anonymous Tue Sep 20 01:59:26 2011 No.3768915 >>3768903 I'd have to have friends to give a shit about failbook.

>>	Anonymous Tue Sep 20 13:33:26 2011 No.3770948 >>3768865 Are you kidding? Everyone is fucked except bankers.

Anonymous Tue Sep 20 13:49:26 2011 No.3771016

>>3768734 Same here. I had people I didn't know, grandparents, relatives, parents, buying bonds, stock, and putting money in accounts as soon as I left the hospital in my Mom's arms. My family didn't have a new car, we didn't get new clothes, we clipped coupons & shit & my college was paid for by the time I turned 18. And I look around and none of these bitches having kids at 22 are starting savings accounts. Friends in High school had parents who raided their college accounts never went to school. Friends with 4.0s who refused handouts and loans went straight into the working world. This system is fucked. I got lucky. I don't even necessarily deserve it- I'm kind of a shit student. But thats life.

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/sci/ - Science & Math