College Debt

How do we solve the college debt problem Sup Forums? Is it even possible at this point?

Who's problem?

t. GI Billfag

stop going to college when you don't need to.

It's so simple, ask the colleges to forgive the debt!

But what about when trade jobs get automated?

It'll never happen, but loans should be based on both the student and major's job prospects. So degrees in engineering, sciences, business, etc. undertaken by students with a good high school GPA would receive more favorable interest rates and repayment terms and students who did shit in high school and want to major in liberal arts and other garbage with no prospects would be denied student loans.

Basically, if you want a luxury degree it should have a luxury price tag and you should be able to pay for it up front. Receiving a loan to study otherkin genderqueer studies makes absolutely no sense.

it'll be your problem whether you like it or not

Kek this. Getting paid more than my wage cuck friends to go to class for a couple hours a day is pretty sweet

I don't understand what you're asking. What about it?

1) responding to some form of bait
2) serious answer:
We let the market deal with it. Those who went into degrees without a solid career will have to default. Those who were smart and chose a degree with a career, will be able to pay off any debts they owe.

Or far more simply: "Let them eat cake"

>take out loans from banks that have added interest rates
>don't get a part time job during college and work on paying it back before it gets stacked too high
>get a worthless degree and can't find a job anywhere except McDonald's and Pizza Hut

They're brainwashed, but they have no one to blame but themselves

Yea ok bud

Look at that motherfucker hogging all the scoops. My inside sources say he has more than THREE SCOOPS

Socialist ice cream

Every bucket is empty

How?

>bernie at a #OneScoopMatters rally
What wont he do for cash?!

I got 60 credits from my mos cleped and got 2 associates in a year and learned a be language while being paid

College is a meme

If you choose gender study, among so many other interesting fields of studies available at univeristy, you deserve to be destroyed. I dont' care you were just a kid. You are a fucktard from birth.

>build space elevator
>generate solar power at undercut global markets by half, still profit $0.02-3/kwh
>into $5-10T of new revenue every year
>cut taxes to 0% across the board, pay off national debt, give everyone free college / healthcare, all without having to cut the budget

GOD DAMN IT! LET'S GET TO WORK I WANT TO GET THE SKEWP ON THIS STORY!

Agreed. It's a fucking joke. People bragging about having a degree disgusts me.

Tell niggers to stop getting worthless degrees.

checked

And that is my point, if you choose a worhtless degree, that is on fucking you to pay for, or whoever you can dupe into paying for it.

>cut taxes to 0% across the board

retard. basically people working on the space elevator pays 99% tax.

Just get the Fed to print a big stack of cash... and pay off all the kids debt.

No problemo.

>solar panels are somehow more effective in space
why has no one ever considered this???

You (meaning the government) stop subsidizing college loans.

When the onus of credit risk is put upon educational institutions, tuition prices go down, because less people are given loans.

Now now, let's not be too hasty. Every single stopper and prostitute out there is just doing it to pay for college. Take away the fees and you've shut down a whole industry. We can't afford that in these economic times..

Stripper

the system is designed to get everyone in debt. College loans, car loans, mortgage... unless you are born rich, none of these things are affordable to the average American when they enter the work force. So you have no other choice to become a slave to the debt or become a bum.

By making America great again if not greater. Or become bourgeois and play in your world.

Why can't we just nationalize the schools and have the state pay for it?

>inb4 Bernie

If we are talking about statist solutions, force the fucking colleges to repay the loan if their students default. THEY are the one stealing the money from the young naive minds, THEY need to pay.

if you can't afford to go to college then don't go to college

>none of these things are affordable to the average American when they enter the work force
no shit what do you think the point of debt is are you fucking retarded m8 or what

regulations

Stop giving loans to people not in STEM.

>Got Masters in Public Administration
>43k in debt
>Got 55k starting job working for a city a couple states over
>Benefits

Paying off debt is easy when you get a non shitty degree

> gov pays everything
> school charges $1m for a student
> gov regulates school costs
> SJW gets to decide
> gender study department gets super rich
> math department defunded - too racist/sexist

slightly. It's saturday so I'm drinking myself to death one weekend at a time. Cheers mate.

The state does not pay. Tax payers do.

Yeah but at least no one's is fuller than mine!

The only jobs that will be automated are the ones any one can be trained to do quicker and cheaper than a robot can be built to do, with less space needed. (When a single garage can cost roughly $2000/month space matters.)

Simple, end govt backed student loans

Prior to Obama only intelligent people who can use their degrees to afford to pay back their debt got loans. Banks were not going to give loans to feminists who want to take gender studies. Now anyone can get into college and they are ruining it for the people who actually belong, lowering the standards for all.

everyone gets a trophy and if you don't agree with it you're Hitler!

Obama was playing 4D chess. Huge army of disgruntled, poor, young, Dem voters, who just need more socialism to fix their problem.

It was the very first thing he did in office. Federalize student loans, these people know what they are doing.

We fix the incentives (motivations).

At the moment, colleges have every incentive to PRETEND to serve really great courses, and even if they are good, they have an incentive to exaggerate how good their courses are. As part of that, to exaggerate how good the course is for getting someone a job, how much money they will make. Even to charge as much money as they possibly can.

The university gets paid anyway - a huge sum taken off the student in a few years - which the student may well work the rest of their life to repay. The university sells a good story, and gets a shitload of cash. After that, it doesn't really matter how the student is treated.

This has led to a prevalence of universities which offer shitty and useless degrees at high cost, degrees designed to appeal to the emotions and immaturity of students, being very pleasant for them in the short term, whilst doing nothing at all to make them employable in the long term.

For example, a university could well find it made a lot of sense to have a policy that the students can at any time gather enough signatures to have a member of staff sacked. ANYTHING that seems APPEALING to incoming students is a way to get more money off them. Free handjobs. Flexible exam delivery times. No mandatory assignments. Got a poor grade in physics? Take a contemporary DJing course to make up for it! Your whole degree can be designed to appeal to your immaturity, your foibles. Spoil a spoilt person even more. Radicalise a radical person even more. Take them in a direction they feel is good.

Of course, nobody would ever want to hire someone like this. But it doesn't matter. Because universities got their money.

So the solution is to make the money of universities depend on whether students are employable. If this happened, you would see a complete shift in the system. Universities would no longer find it profitable to cater to every shitty impulse of students and make the spoiled assholes even more spoilt.

It's simple. We take a loan out backed by the pensions and endowments of these universities to write off the ridiculous loans.

Then if the universities are so profitable and useful, they'll cover it in no time.

Get a job and pay it off, as you obligated yourself to do in your promissory note.

Stop providing student loans, period. The industries that always see massively increasing costs are those with loan programs. See school, education, housing. In your parents/grandparents generation (depending on how old they are) it was quite plausible for a family of ordinary means to send a kid to college and/or for the kid to largely fund their college by working on the side.

There is no way all but the most elite colleges could fill their classes without loan programs, so costs would be cut if loans were not an option. It would be hard, and involve getting rid of a lot of administrative people who are now running things and don't want to leave, but eventually it would work. As with most fucked up industries, you simply need to look at the state of affairs before they were fucked up.

>We let the market deal with it. Those who went into degrees without a solid career will have to default.

This is a good concept as long as the loans are from the university and the university loses money when it happens. Or universities in some other way are penalized.

In many areas of life, if you default, you lose the product you pay for. With universities you cannot really lose what you paid for, you just get out of paying. So a lot of students would finish a 6-year medical degree and immediately default the day after graduation, then make a shitload of money after that.

>go to college
>indebted for the rest of your life
>don't go/drop out
>become NEET
(((they've))) really got us by the balls don't they

Turn the economy off then back on again.

Don't forget that graduate students get paid to attend. It's a scam beyond any rational understanding, but then again go take a look at any graduation ceremony or fraternity or sorority and you'll see it's all occultism.

that doesnt make much sense though. colleges shouldnt pay for students being irresponsible with the amount of risk they take. students would just default en masse then, if they knnew they could get a free college education like that

they are because of no atmosphere and 24/7 exposure, it's transmission cost to the ground that kills your savings

>this anti-establishment, anti-corporate message brought to you by Ben and Jerry's!

What if we strung really big wires next to the space elevator?

Or WAIT what if we beamed it down with microwaves; that would serve dual purpose funding the medical industry.

It's such a joke. I feel like I'm living in a parody.

>seasonally adjusted numbers
>we picked whatever numbers we wanted to tell our lies

college is fucking pointless. just dont go. let the morons pay their 1st borns to learn shit they could learn online.
even academic now are saing their children will be going to trade schools or TAFEs instead of universities.

but it is the liberal logic -- whoever receiving the money is at fault.

and they are correct in this issue -- the education industry colludes with Dem politicians to rob tax payers through the vehicle of stupid young students.

Wires don't magically conduct electricity, they loose it on the way, and microwaves would have to pass through the atmosphere

It's all about frequencies, user. We just need to use the right frequency that won't see the opacity of the atmosphere.

What we need to do is use tectonic resonances and mediate them through the chemtrails.

Start a business, and give people straight out of high school the ability to get hired and trained through a apprenticeship/intern model.

To qualify they have to take an aptitude test. Ideally you would want to give them an IQ test but in the US that was made illegal so instead you have to use an indirect IQ test as a workaround.

>becoming a bum

Nah, mate.

You just don't buy shit you can't afford, it's that simple.

If you can't afford college, don't go. Most people go to college because they want a better job. There are other ways of getting that job, such as self teaching, working a shitty entry level job, and proving your worth to climb the ladder, or even starting your own business and hiring yourself to do the work. That don't require going into debt.

If you can't afford a new car, don't get one. Use a $50 bicycle and the bus/train until you save up enough to buy a shitty scooter, and from there a beater car, and eventually (with all the money you saved by not taking a loan), you buy a decent car.

Mortgage is a harder one. Rent is fucking expensive, and with the way property is going nowadays, you'll save 50k a year only have the house increase 100k more. The solution here is to not play. Move somewhere else (including another country) that is more affordable, and offers better standards of living. At least until the market crashes.

Its not the 60s anymore Laos

they push the uni meme hard in school, not to mention the "good job v shit job" dichotomy. I wish I never went :'(

>friends go to uni
>"nah ill sit this one out senpai"
>all laugh and mock behind my back
>get two full time jobs at hungry jacks and restaurant
>"user that so dumb just do a degree"
>save up and buy a flash car first year
>friends laugh and again state that the degrees will get them entry position 40-50 k and a car will be nothing for them
>kinda lose hope but move forward
>start working at a local clothing shop on the hours im not working
>pretty comfy
>rent out an apartment
>"silly user, why move out so early?"
>put on an apprenticeship for manager
>new store opens up and now manager but also get to travel to uk and the usa to find vintage clothing for the shop 5 times a year
>20 yr old buying a house soon and still have time to do a degree if think there's potential in that field
>Some friends have finished said degrees and are now working in hungry jacks and fast food joints

crawl from the bottom and dont take the supposed ladder dudes, i know manager and part-owner of a clothing store isnt the most luxurious thing but im having fun for the time being and didn't need to do swamped in debt to start life.

How many scoops are in there? What is he hiding ? WHAT DID HILLARY PROMISE YOU FOR YOUR SOUL, BERNIE?

loans or paying said car off are good though? They show up great on your records when you eventually want to settle for a house

You could just be self taught, start your own business and then buy the things you want.

But Im sure you want an easier path

College is a human right though or should be.

>Having a paid multi-year holiday with free food and living where you choose whether to spend your years on basket weaving or mongolian rap and spend your free money on drugs should be a human right.

>go to community college
>get 4-year community college bachellor
>or get community college AA degree and use scholarships/grants to transfer to a state university (ivy league is a meme now)

Some community colleges have quality of learning that is on par with, if not better than, that of universities now; especially since universities are filled to the brim with students. Only issue is there's much less room for the typical college experience (partying, crazy sex, clubs, frats/mats, etc.).

Force people who want to attend to actually pay for it. Prices will plummet instantly

Oh, I forgot

>durr it's not like I can ever afford paying back the cost of this, I'd better vote for someone who can let me off the hook