Think about that? Think about what? That college age students go into gender studies degrees...

Think about that? Think about what? That college age students go into gender studies degrees, voluntarily fork over thousands upon thousands of dollars they don't have for a useless degree that will never pull them out of debt? I'm supposed to feel sorry for them?

Other urls found in this thread:

phys.org/news/2015-09-choice-college-major-lifetime-simply.html
theguardian.com/higher-education-network/blog/2013/aug/20/graduate-salaries-university-degree-value
gov.uk/government/uploads/system/uploads/attachment_data/file/229498/bis-13-899-the-impact-of-university-degrees-on-the-lifecycle-of-earnings-further-analysis.pdf
usdebtclock.org/
twitter.com/NSFWRedditGif

...

A true communist would make sure the average net worth would be 0. Because they'd be busy being dead or on the gulags to actually have money at all.

Isn't communism great?

I'm thinking that if we handed out degrees for free everyone would have one and they would be even more useless than they already are

>Be 21
>Didn't fall for the loan Jew
>have a net worth in the positives

Debt has been a system of slavery since the beginning of civilization and is still implemented by the Jews today.

Don't fall into temptation of material wants and live with in your means and repel the Jewry

>young people invest in future earning potential

Companies all start in the red too. Are they stupid because they're commies or commies because they're stupid?

Good thing they don't have Communism or they wouldn't even have -$38,915.

>the average person takes huge loans
>therefore the government should pay off all those loans
>everyone is still 39,915 dollars in dept per average

Makes me fell better about my 0 net worth.

Good thing i am +300k savings and 400k house.
Bad thing I am an alcoholic.

Try sucking kike cock less faggot

Save this kind of talk for your boss when you're sucking his dick

Dumb loser.

That feel when never went to University but got the same job as someone who does and every month he has a percentage of his wage taken out to pay his student loan off.

Those feels when i pay my mortgage off and he pays a loan for a weird degree off.

go back to poland.

>taking out a Jew loan for a meme degree to end up in a service job where you're Jew'd out of your earnings

Really makes me think.

Brit here. The English loan system is not even comparable to the abomination that the USA has.

I never even been to college.
I wish I was -38,915 poorer, at least it would mean I had been worth something at all.

I'm just a homeless person living at someone elses house at this rate. I can feel my suicide creeping in a little closer everyday.

And yet studies show that a university degree is worth $200,000 dollars over a working life time. And that's just the average. Sure they're in debt now, but that's like pointing to a business owner who just took out a loan to secure some property and complaining that he's going to be in debt forever. Give his business a chance to grow and earn money.

So does that mean I can buy an American for 39k?

>Studies
Show me these studies.
Not every degree is created equal, and using the data we can make some fair assumptions about what is going on with student debt in the USA.

1. More women than men are now going to university at all levels from undergraduate, to doctorate degrees.
2. Women are much more likely to go into humanities based fields. If they go into STEM it is likely to be a biology degree.
3. Humanities fields and biology degrees are not in demand for employment.

Therefore it is safe to assume that women are taking out massive loans, to go into debt, to have a job they could have had without a degree, just because their high school guidance vagina told them they need to go to university for anything in order to be worth something. It is a bubble that will burst.

What happened?

Yes, believe it or not.

200,000 is a low ball park estimate. It can and often is much much more.

phys.org/news/2015-09-choice-college-major-lifetime-simply.html

theguardian.com/higher-education-network/blog/2013/aug/20/graduate-salaries-university-degree-value

gov.uk/government/uploads/system/uploads/attachment_data/file/229498/bis-13-899-the-impact-of-university-degrees-on-the-lifecycle-of-earnings-further-analysis.pdf

Nig I was homeless numerous times. It's easy to get out of it.

Do the jews pay you to defend their predatory loans on the internet or do you do it for free op?

Both the loans and the things the loans pay for can be bullshit you know.

>phys.org/news/2015-09-choice-college-major-lifetime-simply.html
>For one, it illuminates the importance of foregoing some earnings, especially in your 20s while attending graduate school, especially for students in majors that wouldn't typically earn high returns over their lifetime. Attending graduate school in the social sciences or liberal arts added much less earnings than a graduate student in a professional field, for example.

This is kind of the point I was trying to prove. Saying "Going to college means you'll earn more money" is a blanket statement. Most of the majority of people who are going to university now (women) are not taking STEM degrees, they are taking humanities degrees. They are the ones who are going to cause the student debt bubble to pop in the states.

It's still an amazing investment regardless of what subject you study. Obviously there are better or worse majors to choose, but show me any other 30k investment with a minimum return of 1000% over the course of a lifetime.

I work part time in a shitty store, spend enough to travel to work and lunch (probably spend too much on lunch), and I have enough for a deposit on a house after just a couple of years.

I don't know what these chucklefucks manage to waste their money on to end that much in debt. If you aren't going for a STEM degree, and aren't doing business or accounting, then you shouldn't be in university.

And let's not get started on the whole government-backed student loans. When there's no risk of default, and no worries about students not being able to afford it because the government covers it, then they just jack the prices up to the roof.

Is there a store I can go to or how does this work? Also I don't want a fatty

Studying tourism for 3 years isn't going to add 300k to your lifetime earnings.

Not to mention the 3 years of pay you lose, on top of the work experience meaning when you do go to get a shitty job because your qualification means fuck all, you're going to be starting at where a 16-18 year old who went straight to work did, but now you're in your twenties.

In case anyone is wondering. my net worth is about 142 oz of silver. And I make 1200$ per month

>"You all remember," said the Controller, in his strong deep voice, "you all remember, I suppose, that beautiful and inspired saying of Our Ford's: History is bunk. History," he repeated slowly, "is bunk." He waved his hand; and it was as though, with an invisible feather whisk, he had brushed away a little dust, and the dust was Harappa, was Ur of the Chaldees; some spider-webs, and they were Thebes and Babylon and Cnossos and Mycenae. Whisk. Whisk-and where was Odysseus, where was Job, where were Jupiter and Gotama and Jesus? Whisk-and those specks of antique dirt called Athens and Rome, Jerusalem and the Middle Kingdom-all were gone. Whisk-the place where Italy had been was empty. Whisk, the cathedrals; whisk, whisk, King Lear and the Thoughts of Pascal. Whisk, Passion; whisk, Requiem; whisk, Symphony; whisk ...

but muh bernie muh free edumacations

>Studying tourism for 3 years isn't going to add 300k to your lifetime earnings.

The science, ironically, disagrees.

the best way to screw the jews is take out a huge amount of debt, donate it all to your church, and kill yourself.

Commies have a hard time understanding a concept of investment. You have to have fun right now!

Future earning is actually fairly meaningless. Most people who have a positive net worth aren't really getting much from their work earnings. They developed with through liabilities relying around this. So if you earned 50k a year and setup a mortgage in an investment property with that 50k income. Your mortgage will essentially pay itself due to the people renting it out. Then in 4 years time you would have essentially been given a free property worth 200k while you saved enough for a larger deposit and can use that 200k property as collateral for a million dollar house which you could also rent out. Then you also take into account if you were investing those savings that were going to be a deposit you probably earned money from them.

So in the 4 years that you were studying a person who worked during that time developed a much greater net worth. With this head start they also compound their earnings so their 1.2m turns into 2m then 2.6, etc. While you have to pay back the 100k you owe from your earnings then you can start your first mortgage.

So, you are essentially wrong because earnings mean fuck all in comparison to snowballing investments.

Sounds like the average American 21 year old makes terrible decisions and can't into financial planning. I am American and graduated university with 0 debt due to working since I was 18, sometimes 2 jobs at once. Maybe if my peers didn't waste their money on frivolous things and spent more time reading, studying and improving themselves rather than shopping and partying they wouldn't be in such a bad situation.

I hope student loan debt is never forgiven and they are forced into work camps as indentured servants to pay it off. Arbeit macht frei fuckers.

Im 23.
Maybe it's because I used to sell drugs as a teenager ,but I don't understand how people my age are so financially illiterate.

You have to cash in on their debts. Claim their car, home, possessions, and you'll own their life and they'll be working for you forever to get some of it back.

>Biology Degrees
>Not in demand

Biostatistics majors are in huge demand.

It would have probably been more useful if you spent that time networking, socialising and making contacts. You worked your ass off to make a couple of thousand dollars, when it would have been more logical to spend that time improving your future earnings and potentially increasing your income by several hundred thousand dollars.

>average cost of starting a family, getting a property, getting a bachelors and having a decent car at age 21
>over 1 million dollars
>only -38k in debt
holy shit we are fucking ballers
gj guys

pic related my hot ride

Biology in general is in a fair demand just because it is a science degree. That potato eater is wrong because nothing is in demand for his country. It is essentially just a tax haven at this stage.

Don't need to spend 30 grand and 3 years of your life to read BNW.

debt gives you a reason to get out of bed
also you are competing with men who get into debt to win a wife

Congratulations, not only can you operate Google but you also missed the point. Two thousand years of European culture, art, tradition and philosophy and you've just decided it's worthless. You Jew.

>wanting a gold digger wife

if a woman doesn't want to live in abject poverty while mumbling about jewish plots with you what's the point?

As a mortgage holder my net-worth is technically less than that.

Thankfully, that's not really how net-worth works.

Liabilities and assets get separated when worrying about liquid net-worth and anyone with a Marx image should be fucking murdered violently as an example to all other would be Marxists out there.

Die.

to pass on yur genes with the hottest piece of ass you can get

>first job out of uni
>£24k/y
>£50 off my salary every month

oh noes

>essentially just a tax haven at this stage

Like how Australia is just a real estate money laundering market for chinks?

>leaving your aryan children with million is debt to deal with

Yeah pretty much lol

unless you somehow get rich
university is literally the best time of your life
fucking literally
you will never get this much young pussy, business connections, freeloading and lifestyle again.

If you think going to university to study tourism and pan-africanism has anything to do with the 2000 years of European development, you're either a retard or a university recruiter, and I'm starting to struggle to know which.

just tell them to not pay it off?
fuck the jews

I think he relates to the montains of unpayable debt that the baby boomers piled up

If you buy me for 40k I'll totally let plow my boipucci.

What kind of a retard are you that you only make £24k pa with a 3 year university degree?

If you were that much of a failure at school, you might as well have just worked for 3 years, gotten the same job since it clearly requires no degree, have 3 years pay in the bank, rather than debt, and be a pay grade higher due to promotion.

>implying I didn't network all those years I spent working
>implying I ddin't get a lead to my current job through said networking
>implying I am concerned about net income now
Not all of us here are English teachers. If not in a work setting then how do you think networking and making contacts occurs?

Young and dumb. I was there as well.

Boy I sure wish I hadn't listened to my parents when they told me to go to college at all costs and not take a gap year or do a stint in the Army.

It worked out though. I made 48k my first year out of school, and 63k my second year. Lived like I was dirt poor and paid it all off last year when I was 25.

Not necessarily pay off the debt, but rather just not collect it. Most debt is owed to the Federal government.

god japan is a shit hole
government funding of corporations ruined capitalism, you are likely working under literal monopoly king pins sepuku

>If you aren't going for a STEM degree, and aren't doing business or accounting, then you shouldn't be in university.

History. Philosophy. Art. Music. Linguistics. Literature. Architecture. All gone. Enjoy your worker drone society.

This, anyone with a decent father was taught that debt is a way for Jews to enslave you.

If only they were all gone from the prospectus.

History is the only marginally acceptable one there, and that's only because you can easily convert to a law degree or after it.

The rest are all a complete waste of money and 3-5 years of your life.

ye olde master apprentice works better FOR ALL OF THOSE

thats how the period in human history with the best art and philosophy worked

look mate you live till 75 at best
the last 15 years are shit
the first 20 are shit
you have 30 years to make something of yourseld and you arent going to get ANYWHERE with zero capital

What kind of field pays more than that after 3 years? I work as an accountant and I don't know any field in finance that pays more starting salary outside of london

I can learn more about that shit studying on my own than I ever would from some hippy liberal douche

Philosophy majors have the highest acceptance rate into law school. It teaches you how to think critically.

>History
Oh boy I get to be lectured on the successes of historic Communism by some liberal puke, yay!
>Philosophy
A bunch of beta bitch cucks who sit around and talk theoretical shit and never contribute to society
>Art
lol
>Music
also lol
>Linguistics
Oh boy, now another liberal puke gets to lecture me on how Muhammad and Jamal speak terrorist and ebonics, respectively. Joy!
>Literature
A bunch of faggots who write abstract shit that somehow passes for "writing"
>Architecture
Modern """architecture""" is a fucking joke. It's a competition to see who can make the most useless, impractical piece of shit possible.

God these commies suck at economics, it's actually -$61,136 + what ever debt you incurred through life.
usdebtclock.org/

computer science is better than philosophy for critical thinking

but lawyers get paid fuck all, if you have the brain for computer science you wouldnt go law

Read about the Weimar Republic it will all make sense

I don't have any debt. I worked through high school and saved up money for college, the rest was paid with scholarship money. If you can't find a way to go to college with no debt you are an idiot who shouldn't be there in the first place.

>Go into college
>Graduate in 4 years with a degree in business and a degree in a computer science with a focus in IT
>Be roughly 40k in debt
>Actually fucking hate computers and technology at this point
>All the work that is offered where I am at requires a good deal of experience or is contract/unreliable
>Everyday I get a bit poorer because my rent and debt repayment often exceeds what I earn, and wonder why I didn't go into something else
>Want to start my own business, but have no capital to work with
>Want to leave the country to go teach or do anything else, but my parents are dying and I can't abandon them

I'm terrified.

Maybe they should have learned plumbing or Brick Laying instead of gender studies

do the math, its cheaper to get into debt go straight away and get employed at a higher wage to pay it off than it is to work for it before hand.

oh god did you make the mistake of picking it related electives
for my bachelor of computer science second major human resource management i had 8 computer units over 3 years and 20 business units

You disgusting half-breed Jew. The American cultural mindset is genuinely loathsome. Stay out of Aryan Europe.

Hey Aussiecuck I started with jack shit worked my ass off didn't take any debt managed my finances well. And now I'm going on 30 owning my own home.

>Feels good man

But seriously I see so many of my fellow classmates who are dirt poor and will probably die dirt poor. Because they;ve fallen for a jew. They either smoke Drink alcohol taken up crazy amounts of credit card debt and are now shackled gamble or some other degenerate behavior. I feel almost feel sad for these retards.

How is it cheaper to pay interest than not pay interest? I worked in high school and part time in college when most people were fucking around. I had no rent payments, no food payments, no car payment, because I lived with my family and saved up money and payed for my schooling. How would I save money if I took out a loan, explain this to me.

well if owning a home is the limit to your ambition, well done i guess

Americans are cultureless mongrels, they are jealous of European art and history the same way jews are.

Well, a lot the classes in business overlapped with classes I had taken, the focus I took in business was administration and marketing. As for computer science, I started switching over from development to things like networking, project management, database design... So, now things are like

>So, how much Project management experience do you have?
>I had an internship for for a year as a project manager.
>Was it paid?
>no
>Okay, that doesn't count. Post graduate experience?
>Like 6 months as a contractor
>This position requires 2-5 years post grad. soz.

because you earn more money with your time with a degree, so working before increasing your earning potential is sub optimal

This is correct. My parents are both very successful people and since I was a child they have been teaching me how not to get enslaved by the shekel hungry jews.

But marxist say it is for the futur and that we will be able to pay it back when socialism happens!

did you have things like work placement elective and group business startup electives?

Maybe 21 year old's shouldn't be spending that much money.

Startup electives? Yep, and internships. Work placement? Not really

While I have no sympathy for people who spend money on useless degrees or people who load up credit cards trying to live a middle class lifestyle, even living as a single independent adult on minimum wage is a struggle. It takes a full time job to survive, and at least two to save or have anything extra.

>What kind of a retard are you that you only make £24k pa with a 3 year university degree?

That's for an entry level graduate position.

It's certainly not fixed at that for very long lol

39k is not a large amount of money

>What kind of field pays more than that after 3 years? I work as an accountant and I don't know any field in finance that pays more starting salary outside of london

Financial analyst?

Stupid millennial's taking unsecured loans

Then what are they complaining about?

i made sure i covered everything i needed to start and run a business with my second major and electives if i couldnt get employed with my first major.

They only put that job out so they can claim they couldn't find any qualified Americans and can hire a H-1B pooinloo.