How do we solve the (((Student Debt Crisis)))?

How do we solve the (((Student Debt Crisis)))?

By forcing people to pay their loans in full.

By getting rid of the Jews.

By making education free, and public, oh and healthcare

Fourth Reich

1.) More initiatives for school programs that are for learning trade and other 2 year or less programs with meaningful job prospects.

2.) Not every snowflake is college material and should not be attempting to earn a college degree (e.g., see most of Sup Forums). #1 can help there but also colleges should not be as incentivized for maximizing student enrollment rates.

3.) Provide students with a better understanding of the loans and add more restrictions on who can get them (and/or in what quantities). Huge student loans are handed out like candy to stupid "adults" with no real sense of money or finances. Then they bitch in a couple years when they find our they will be paying $1000+ a month for 10+ years on some six figure debt.

If you fall for the student debt meme you deserve it. At 17 you should know damn well that student loans are a facade.

By realising that University/College if your a burger is useless

THE FINANCIAL JEWRY MUST BE STOPPED.

CENTRAL BANKING IS A CANCER THAT MUST BE CLEANSED FROM THE ARYAN BODY.

QUICKLY...

Don't do it.
If you know that they will not pay them, dont give a fucking money.

Shorting private universities. Get your level 3 brokerage accounts goys

Lower interest rates for degrees that tend to pay well. I paid my $18k loans back in under 4 years from an advanced engineering degree, some shitbag with getting a B.A. in virtue signalling shouldn't be able to take out student loans at all

The financial aid department at each college I've attended forced it students to go through loan entrance counseling and financial awareness counseling before applying, you must submit proof of completion of both sessions with your loan application for then to accept it, it's been a requirement each time I've taken loans. Tells you how much you're taking out, the expected monthly payments due out of college, and the interest rate. There's no surprises, they beat you over the head with your own numbers you've put in. They even had me look up careers for my degree track and estimate my projected annual income.. if you don't realize then, that you're career choice won't make enough to pay off your loans, it's amazing you haven't fallen down a storm drain or gotten hit by a bus at this point in your life, so you've got bigger things to worry about. I wish I could skip the counseling because I take small loans in addition to free financial aid every year. My loan payment plan is burned into my head and reinforced again each time I start a new school year. How the fuck do people not realize what they're getting themselves into, and on top of such ridiculous standards, it's beyond me.

Checked

Stop treating college like it's some magical insta-job pathway and tell our children they only need college for an extremely specialized career

>Free

Ban usury.

They really need to cut degrees that are shit. Just teach stem, business, and then classic humanities like history, English poly sci, and econ. But pretty much gut everything else out like gender studies and minority Olympics.

Stop telling kids they can be whatever they want to be. Sure they can but no one tells them all the work that goes into fulfilling their dreams. The dumbs need to learn a fucking trade instead.

Kill affirmative action because too many minorities that don't belong in schools get in just because.

Go back to private loans. Banks don't just give out thousands of dollars for sjw degrees that will be s repayment risk.

This is pretty much the most acceptable start. Those guilty of usury should be executed along with their entire extended family up to at least 9 generations.

You solve it by allowing default on debt.

I think someone tried this before. Ended up being quite a lot of them, 6 million or so.

Thats fine?

Want me to pay of debnts?

Give me a good job with my degree. Ill pay it off.

They wouldn't let that happen again friend

kek

All loans should be subject to the same bankruptcy rules.
Of course student loans will get more expensive as a result.
But the whole reason America has 350 or so gender studies universities (as opposed to 1-5 of most countries) is the easy access to cheap debt.

People that default on their student loans deserve every ramification they get as a result. They should be forced to pay in full for houses/cars/property, or be forced to pay rent their whole life. Literally can't manage their own lives when the money is put in their hands.

Remove federal funding and forgive debt owed to anything that is not a federal or a technical school.

Every liberal arts college in the USA would collapse when their commie students turned on them.

When the schools dissappear the degree's the commies obtained would be more useless than they are now.

Our educational system is fucked. The school mandated core curriculums should be merged with the AP program in HS's and be expanded, Community Colleges and High School programs become more involved institutions. So that the last two years of high school basically become the first two years of an undergraduate degree. Undergrads. are made into three year programs

Trade labor is already moving towards unskilled.

This is beside the point that if everyone learns a trade suddenly the trades become only slightly more than minimum wage work.

>The school mandated core curriculums should be merged with the AP program in HS's and be expanded

For State schools of course

What does a gender/women studies course actually teach anyway? That women have vaginas?

>forgive debt

This is retarded

This post gave me AIDS

That wouldn't work. Having seen that approach up close in California, it appears that the majority of students who take that track don't gain anything from having that associates degree as they need to retake prerequisites or actually make up their minds about what they really want to do.

All you need to do is let students default on loans. Make them wait 8 years after leaving school before they are able to default. That plus the 15 year black mark a bankruptcy leaves means anyone who can get a job with their degree with pay it back.

It will also keep loans from getting too large and force colleges to keep prices down.

Essentially we have removed free market forces from college tuition leaving it to become inflated as fuck. Colleges feel free to delivery worthless degrees.

Let the banks deal with that shit and they will stop giving loans for degrees that do not produce a job and costs that are too high to pay back in a reasonable time.

As it is now its ridiculous.

Dont forgive any loans the schools have their money and you are just sending the wrong message, The government is not here to forgive your mistakes. In the end the tax payer will end up paying banks for this bullshit if we forgive them.

...

By the government not guaranteeing loans and putting the risk on the taxpayer. If anyone can get a loan for any amount, why should colleges keep tuition low? The sky's the limit.

Getting rid of student loans all together thus forcing colleges to lower their costs to accommodate students that can pay for higher education. Also getting rid of the notion that college is for everyone helps too, would make degrees actually be of some value to employers due to less idiots having degrees because of some scam colleges riding them on through with high debt and shitty education.

>Were they?
Yes they were. No one forced you to take out a loan, you took out a loan because you wanted to go to college without having scholarship-tier grades and in fact being so shit at learning that, even as a nigress in the affirmative action age, you still had to pay money to study.

The reason you pay is because you're too shit at getting in for free, and you take up the space of another student who might do better, so the university is at least going to milk your retarded ass for all it's worth.

dont have interest on loans like the federal govt gives out. Make them pay back but without interest making college a public institution not neccisaraly controlled by the public.

It would be hilarious. Make liberal arts colleges actually free. No federal funding and refuse to collect debt.

Make them practice what they preach, see how long they last.

The biggest problem with college debt is kids getting degrees in fields that have no prospects. Getting your e.e m.e degree at small cheap school is 1000x more profitable than getting african womens study degree at fun large university but guess which one all the dumb sjw kids with no fore-sight pick.

Fuck you, socialist

>The government is not here to forgive your mistakes

But the govt. is responsible for college inflation because they subsidize the loans.

Heil yeah

have unemployed graduates give up their degrees and become wards of the state

I suggest selling the student debt to the Chinese. I'd love to see the Chinkies try to collect on all the Millenial SJW snowflakes.

The school is already paid, "forgiving" debt just means I have to pay.

High school as a whole is fucked which starts even before that. You need a standard curriculum and plans for how to catch up slower students. The poor and disadvantaged students need a community program to catch up. The shit communities need to focus on having a place for kids to go that will essentially be the parent enough for homework and learning to get done. Remove all government incentives for single parents. That shit is the cancer causing community rot. The communities need to do this themselves no government agency especially far away stands a chance of success. The fed and states can establish a few programs that can be studied in order to produce a sort of blue print to get these communities started.

Math and Science need to be number 1 and a good History over view. Art/Music for fun and balance. And the department of education fed and state needs to be concerned only with numbers. How many kids can read/do math at what level? They need to be focused only on results did this change help? If not drop it move to something else. Let states experiment and with a laser focus let no one dodge the results of their work. Quit with the large remakes we have been doing every ten years.

But my point is that the General Core curriculum courses are mostly the same across the board or could be. Lab Science, English classes, Statistics, Mathematics up to Calculus, language, etc. These are done almost regardless of the degree at the Associate's level and usually are involved with the first year or two of an Undergraduate degree. Whereas most schools usually waste their entire Senior year with useless shit and slacking off, and most of a HS's actual program could be compressed into 9th and 10th years.

So what I'm saying is for most of an Undergraduate's basic, interchangeable core courses that take up the first year or two of study be done at the HS level and that Undergraduate degrees be shortened in length. Decreasing the amount of necessary loans at that educational level, I'm not purposing that everyone goes to CC for two or three years and follows a Associate track.

>not fleeing to eastern Europe with an American diploma and escaping ZOG and their shitty Jewish kike loans
shiggy diggity don't

It's impossible to solve at this point, the damage is already done. I say, just listen to exactly what they what.

Go through useless liberal arts colleges(Berkley, Hampshire, Bennington) ,schools that propagandize their students about how everything should be free, and make them actually free. Don't let them collect debt and remove federal funding. See how long the professors stick around.

pop the bubble.

1. Scholarships are 95% only available to students who are attempting to go in their first year of school after High School.

2. Croatia, not everyone can dig a hole and live in a shed in America. In fact, labor unions and local governments have made it impossible to be a manual laborer unless you speak Spanish.

3. You don't understand how many colleges or universities there are here Croatia. Take a look at a map of post secondary schools and get back to us.

It works here in Illinois but only really for people transferring to other state schools. They all plan it out ahead if you go into a good junior college the counselor has a card for each school showing each class they will take 100%. Also which classes to take to get into each program.

Honestly we need to focus on 2 year degrees though. Few kids coming out of school know enough about what they want and the fields to choose a 4 year degree.

Stop issuing student loans and pell grants
Let the 4 year university system go away and be replaced with something more efficient

Or at least your parents should.

Well, you're then running into the issue we have in the US where public school funds are linked to property value through taxation. Which means that rich school districts will always have well funded schools. How would you propose to deal with this particular issue?

The practical effects are the same either way.

Most colleges make tons of money the first two years of a students education. They in fact subsidize upper division classes.

I have also heard from too many professors that they think that the level below them passes the students up, so they make their curriculum almost impossible to pass in an effort to weed out students who may somehow degrade their major.

>95%
Went back at 23, this is blatant bullshit. I was making money for my first three years of school.

>free
I want to take you for a free helicopter ride, it'll be my pleasure.

>At 17 you should know damn well that student loans are a facade

Do you actually believe this?

I'm 23 and know kids my age who's parents still give them housing and pay for their trips to disneyland

So you'd bankrupt my wife and by extension me over like 5k in assets so the banks can keep funding loans to trick other kids into being debt slaves?

How about we just murder all the (bankers) like any sensible person who realized they've been had?

Checked what?

The government did not choose to sign those loans the students and their parents did. And anyone of them who signed up for some insane amount or for a shit degree is a dumb ass.

There is no government in terms of paying. Only tax payers. You are essentially trying to get other people not a faceless government to pay for the mistakes of these retards. Its immoral.

No.

So it doesn't work. It just creates students who are grist for the mill and will more than likely work jobs which really don't require a degree.

Turthful posts. Also the government student loan program must be ended, along with all federal university funding outside of specific grants for things in the hard sciences that are in the manifest interest of the American people. This would drop the costs involved in college enormously, and force the universities to cut back all the corruption and leftist tripe. Remember, even if you are majoring in Physics you are paying for the Gender Studies department.

>1. Scholarships are 95% only available to students who are attempting to go in their first year of school after High School.
And that's exactly the demographic that should be going to college to begin with. If you're older, you already have a job, and thus are credit capable, and thus can take out a loan and pay for your time in university. Bitching about paying it back is like buying a car and then being pissed that you have to make payments on your car loan.

>2. Croatia, not everyone can dig a hole and live in a shed in America. In fact, labor unions and local governments have made it impossible to be a manual laborer unless you speak Spanish.
Didn't know this, but still on average 10-20% of the general population is college-educated at any time. Having a college degree isn't a matter of life or death, it's a matter of being a special snowflake. Some (in fact most) people just aren't cut out for college.

>3. You don't understand how many colleges or universities there are here Croatia. Take a look at a map of post secondary schools and get back to us.
So? I don't see how that is relevant at all to the discussion.

Post more of that discussion.

>So you'd bankrupt my wife and by extension me over like 5k in assets so the banks can keep funding loans to trick other kids into being debt slaves?

>mfw people can't pay $5000

grow up and get a job

>nigger who doesn't pay her loans

It is not a crisis until the economy collapses

Better yet, make the university be the one issuing the loan.

Think about it, the university are the real fuckers. They have zero risk in this currently. They are getting paid, marketing that 'everyone needs to go to college' and just being general cucks.

I agree, people need to pay their fucking loans. But why should it be funneled through a taxpayer funded program where failure to pay burdens the government/people. How about failure to pay will impact the university? Those fuckers already don't pay tax. complete bullshit.

you should be encouraging student debt for humanities students, they will get crippled under the debt and die

>federal university funding outside of specific grants for things in the hard sciences
let something else take the place of universities and give them the research money

Pay your denbts, faggot.

You and your wife and your wife's son are all deadbeat pieces of shit. Pay up or schooltown is going to bust your fucking knees in.

>it be da wite man makin me take out dem loans tha keep folks in da community down

Only rich people should go to college

Please show me then. I have seen the "Scholarship" meme and people supposedly already having their education paid for before they get to campus.

That's what I'm referring to, not internal scholarships (Which are entirely dependent on the institution).

I never went to college and work offshore making £23 an hour, and this is a paycut compared to a few years ago.

Only go to college to study something that can actually get you a job, otherwise you are just wasting time being a slut.

1. Value degrees differently which rewards the degrees that are in demand with more funding while shit degrees get none or the least

2. Any person who tries to not pay willingly will have their shit repoed which even includes the degree

No, as in "we only have 5k worth of shit to repossess because we got fed a lie when were impressionable teenagers and have no money after paying back sally mae each month".

Choke on a dick.

>owe maybe $50,000 tops
>crisis

pick one. most of these faggots bitching about their student loans are paying a $400/month car payment no problem

End the Federal Student Loans program and let the education bubble collapse.

Nobody should go to college
It a relic of the past that after WWII we for some stupid reason tired to turn into a credential system for white collar jobs

How is this my problem?
Why didnt you major in something that would get you a high paying job?

That bitch is retarded you have to consent to take a loan out

shit user, that is the fuckin master recipe.

>tfw parents saved money for my sister and I to go to college
>we both applied for and earned lots of scholarship money
>I went to the economic option for college, despite getting into better schools.
>tuition was 6k a year in 2005.
>graduate with no debt
>go to grad school for physics, get paid to do so, earn masters and make money, super financially stable
>sister goes to expensive undergrad, 16k a year in 2008
>goes to med school
>mfw 300k in debt
>attempt to say that it was her decision to do this and she knew what it was going to be like
>REEEE YOU DON'T UNDERSTAND YOU ARE A MAN SO EVERYTHING JUST GETS HANDED TO YOU YOU DON'T EVEN HAVE ANY DEBT SO DON'T LECTURE ME ABOUT FINANCES IT'S NOT LIKE YOU HAD TO STRUGGLE OR WORK FOR ANYTHING IN YOUR LIFE REEEE

>tfw med student who failed calc 1 thinks a masters in physics isn't comparable in difficulty to med school.
>tfw I don't care because I'm debt free, make 100k/yr and own my own home.

Don't ever fucking take out a student loan.

>ONLY BIG BANKS ARE ALLOWED BAILOUTS REEEEEEEEEEEEE

If you're dumb enough to apply for student loans on a non-stem degree, you deserve a life of debt slavery.

>because we didnt one dumb thing lets do more

>impressionable teenagers
So your parents where dumb too and failed to teach you basic financial responsibility.
Why should anybody pay for your stupidity?

Move to Jew York. SUNY tuition is free now for residents :^)

Add a dearh clause.
Kill people who fall behind and harvest their organs

Fellow Debt Slave here.

Fuck you and people like you. You can argue that the college loan system is a scam to get people into debt, but that doesn't forgive your personal debts.

You spent the money, you gotta pay it back shitstain. You should of thought of shit like this before you got married/had kids.

The majority of people are too lazy and stupid to seek out scholarships and put in the minor amount of work to apply for them.
One of my grants alone was ~4500 a year. A couple scholarships were for around 1k. Sprinkle in a bunch more from 250-1000. Maintain a high GPA, volunteer, and put in the effort.

There should be a country wide effort to make it cheaper. Again the government is over inflating the costs of everything. Community level efforts to set up the schools instead of large organizations that end up just paying more for less.

The internet should be involved. I really like the idea of teaching things one way then giving the kids a lecture on video teaching it another way. Especially shit like high school math. In the end driving down costs is going to have to be local. Anyone who is not local wont be able to make the most of your opportunities which is why the gov sucks at efficiently in the first place.

Most of all give up on the idea of instantly makign their education equal. They wont be as indulged as richer communities. I 100% still think you can give those kids the opportunity to not be poor when they get out of school. I 100% think you can get those kids upwardly mobile economically with what the community already has. And you should do that because its really the only guaranteed way to see the community escape a downward spiral.

High five to someone else who had responsible parents.
>Parents put away 3K in a state sponsored scholarship fund when I was born
>Became 120 credit hours to a state school
>Applied for scholarships since 4.2 HS GPA
>Took a 25 hr a week job to ensure a safety cushion.
>Left college in the black.