I'm also under the bed.
@Sir Bionic, Can you pass the donuts?
@a shiny haunter, meh, close enough.
@Ajunta Pall, sorry left them in the break room. I brought rice cakes?
Here's an idea- if you can't afford it, don't go there! Apply this to your life and your financial success is almost guaranteed! I got accepted into fancy colleges but in the end wound up going to a state college, worked through it, and graduated with NO DEBT! Kids these days all just want a free ride and complain when they do something stupid.
@dicktater, alright but when did you graduate though?
@MayITakeYourHatSir, I graduated in 2012, with a double major, in 3.5 years, changing my major 3 times. No excuses for anyone, I'm about to go back for my masters too. I'm not trying to say I'm so great, I'm just tired of people blaming others for their own mistakes. I did it myself, so can anyone else, I'm not special.
@dicktater, my university (a mile away from the house I grew up in) increased tuition at a rate of 10% PER YEAR over the course of my 3.5 years there. My wife had the same issue with the same school but for law school. We collectively have $125k in debt because she couldn't work while in law school (I dare anyone to actually try it - minus summer work) and as an engineer, I could only pull a job that was paying $10 an hour. I worked about $30 per week, and we lived comfortably during school. But then that 6% interest rate came a knocking 6 months after I graduated and it's kicked me in the balls every month since then. They're not excuses. They're reasons.
@TheRealDonDraper, 30 hours per week*
@TheRealDonDraper, I've seen plenty of people make it with the same situation, not trying to be a *dick* but to rack up $125k in student debt you had to have made a decision somewhere to a) go to that particular school b) not pay cash for as many classes as possible c) not make the lifestyle sacrifices it would take to pay for said classes- you said you were living "comfortably" so I'm assuming few sacrifices. I had a minimum wage job, $7.25, and picked up other odd jobs when possible, which I applied to my tuition. My majors were Accounting and Finance, so it was no walk in the park either.
@TheRealDonDraper, btw, I follow the financial teachings of Dave Ramsey. I would highly recommend you look into it, it would really help you out
@dicktater, i just finished my junior year of high school and the last month of government/economics was to watch his videos and have tests on them. He has some good tips if you can understand the world of banking and financing, which i sont fully know yet.
@gettinitfosho, Definitely get going on the program, it has done wonders for me. Not having to stress about Financials, which does not mean being rich btw, is a huge relief.
@dicktater, yeah im taking business/finances my senior year and if i do well in that then i may have found my college major and getting a career in a field like that
@dicktater, I went to a two year school and paid cash the whole time, I have no school debt and I make really good money. A four year college isn't always the best option.
@CrazyRightWinger, I agree, congrats on the success. Keep the no debt mentality
@dicktater, I saw your comment about Ramsey, his plan works but it's extreme, the best thing to do is don't buy anything you don't need or can't afford, and you can usually stay out of trouble. It's funny how many people call his show and they just bought a $50,000 car the month before.
@CrazyRightWinger, "Sell the car!" Lol yes I am not quite as strict as he is, but not real fast off
@dicktater, trust me. Me and my wife are fine. We have plenty of money tucked away without the crazy Dave Ramsey teachings. We would just have a lot more if it weren't for the $1300 per month that goes to the government - most of it in interest. You're pretty brazen to sit there and suggest "this path worked for me - it should work for everyone!" We all have different priorities in life. My wife and I enjoy actually doing things like traveling. And with our incomes, we are more than able to afford it. I love how you assume I'm destitute because I have student loans. No. I'm pissed that I have them because the amount of interest is ludicrous.
@TheRealDonDraper, I'm not saying you have to do the program, but don't complain about something you CHOSE to take on and then blame someone else. Like you are doing now with your loans, you knew the interest rates and here you are blaming the people you CHOSE to borrow from that they are making you pay it back at the AGREED upon rate. Tell me that in the reverse position you wouldn't do the same, and then when you are done lying saying you wouldnt, grow a pair and admit that you would. YOU chose it, YOU signed it, YOU should pay it and not blame someone else.
@dicktater, right. Because the choice between not getting an education and accepting 6% interest is logical. You say I agreed to it? Interest rates are not negotiable. Yeah, I signed it. Because I DIDN'T have a choice. My goal in life is to better myself and to provide for my family. I knew I couldn't do that the way I wanted to by not getting an education.
@dicktater, also I AM paying it. Every dreaming month. Unlike a large majority of students who take out student loans for stupid degrees that won't amount to anything. But go ahead and feel all high and mighty because you were lucky enough to not have student loans. Everyone's situation is different, and you're a fool if you think you're in the majority.
@TheRealDonDraper, Errors in your argument: 1) Each time you try to pull yourself out of the responsibilty 2) interest rates for the loan you got are not negotiable, but there are others available other than from where you got it 3) I never said don't take student loans, I said pay cash as much as possible to avoid debt. Quit trying to add things in to "win" 4) you had the option of a cheaper college, like I did where I went junior college then cheaper state college. Got a great job after regardless that it wasn't a "superior" college because I worked hard 5) anyone could do what I did if they put in the effort and made the same sacrifices, I am nothing special. 6) you are trying to convince me that you HAD to take $125k in debt for school, when you admitted to not making the lifestyle sacrifices that could have led to less debt. You can't win that argument, you are trying to justify what you by saying I'm stupid for telling people to not take on crippling debt.
@dicktater, you and I simply aren't going to see eye to eye, random internet person. I'm not shirking responsibility either. And I DID go to my state college. Don't act like you know me or my situation. And a "comfortable" lifestyle, as I said earlier does not mean I didn't make sacrifices. It just meant I didn't live in filth or o hungry at night. I've made plenty of sacrifices in my life. Don't pretend to know me.
Jokes on you, I sleep on a futon. No room for monsters! Also I just graduated debt free.
@42Weasels, you passed the test, then.
I don't have student loans since I "talked" to my loan shark
Sometimes it’s on your bed..or on you!
Adults? I'm 17 and I have this fear
If you're stupid enough to get big ass loans for a major that doesn't pay well, you deserve it.
@The lazy Engineer , what about if you're going into a high-need but low-pay field like teaching? I think my loans are going to be worth it.
@Ruupasya, as another poster said, they're not worth it. Go to a public school instead of expensive private or for-profit schools. If you loans are more than the median first year salary if your career, that's too much