Thread 212428020

Do you live the American Dream™ in your country?

>>212428020 (OP)
we svffer in america. dont let yourself or your relatives fall for the american dream meme

>>212428020 (OP)
odd way to argue the matter
obv you should pay back a loan
the issue is that education costs astronomical amounts of money over there, not that student loans exist
really starting at the wrong end of that problem

I graduated in 2010 with $20k in student debt. I pay $250 every month.
Now, in 2025 I have $22k in student debt.

>I don't understand interest
>capitalism has failed

>>212428193
This is a reparations argument, he doesn't care about kids going forward

>>212428020 (OP)
There's a video where some guy actually did the math: https://www.youtube.com/watch?v=r4s_1KV1yTs

2 people with masters degrees should be able to afford to pay more than 500 a month.

I dropped out of high school at 17 with a net gain of ~$10k in student benefits
Since then I've been a NEET and received monthly benefits for 10 years (~$2k monthly)
Today, I still owe $0
Explain to me again why I don't have swag.

>>212428193
Colleges are a massive racket here, it's amazing really. Usually when you have a free market with this many players, competition gets pretty fierce and the consumer benefits. Somehow the thousands of colleges here, both private and public, have all managed to agree to fuck over students in every way possible together.

>>212428223
how is that possible?

just don't pay it.

>>212428306
Can i be your boywife and have some of the sweet neet welfare?i can cook and clean

>>212428360
My doors and holes are always open

>>212428020 (OP)
>Take out massive loan for shit degree
>"WhY iS SoCiEtY So BrOkEn?!"

>>212428020 (OP)
>has a post-secondary degree
>never learned what compounding interest is

>>212428020 (OP)
I have almost $30k in student debt but the interest rate is really low.

>>212428333
It's not that free of a market, you've got endowments (higher tax on those just passed) you've got state funding, federal r&d funding, you've got scholarships coming from everywhere, you've got political pressures to maintain certain racial and nativeborn quotas, trump admin wants to shit on harvard specifically and kiss jews, etc etc etc

>>212428020 (OP)
>socialiststeve
>doesn't understand loans
classic

If you go in state college isn't even expensive

People who have anything over 30,000 were just retarded and made dumb choices

>>212428020 (OP)
i really like how easy it is to see 4chan botnet reacting negatively for anything anti-capitalistic, they REALLY want you to become a corporate slave

>>212428667
>bro just rely on local taxpayers to subsidize an education
Many states only have shit colleges. By your logic, if you're a smart kid in Arkansas, Nevada, Oklahoma, Colorado, etc., you're just fucked.
No other industry is like this, having to specifically buy from your state to be affordable. Stop making excuses for borderline racketeers.

>>212428788
>no one understands interest, it must be a conspiracy
KEK

>>212428788
the posts from this flag and latam shitholes aren't bots.
many people here believe it's all a perfect system and think that people get a college degree as a meme. it's not just rich people saying it, it's really dumb lumpenprole.
if you are a retard willing to work for 60 hours for less than minimum wage, you're a proper murican. same with beanistan.

>>212428842
All you have to do is live in a state for a year and you qualify for in state tuition dumbass

>>212429029
>bro just move to this state for a year before college so you can afford education
Neck yourself bootlicker

>>212428020 (OP)
That math isn't adding up. It should've been fully paid off by now if they took the standard student loans. Also, two people with Master's degrees, should be able to afford to put more than $500/mo towards their degree, unless they got fake degrees with zero earning prospects. And if you work a job in government or charity, your loans is automatically forgiven after 10 years.

>>212428344
>what is interest

>>212428020 (OP)
Yes. Every american goes to graduate school and posts about their student loan debt.

I went to a D tier school so I got a degree with only $8000 dollars of debt

can't get a job thoughever

>>212429596
>And if you work a job in government or charity, your loans is automatically forgiven after 10 years.
unusually socialist for the US

>>212428788
Because thrse posts arent cool anticapitalism like the nazi one.
Its just redditcuckery and other brown coded accusations against the abstract concept of corporate and not govong welfare to browns

>>212428667
Depends on the state. I went to a name brand flagship and a year of tuition was around $7k, but now I live in New Jersey and from what I'm told even the middling state schools that I'd never heard of until I moved here cost $20k.

>>212428020 (OP)
>be american with college debt
>earn and save money in America
>dont pay the debt and escape to the third world and live like a King there with modern amenities

>>212431408
*gets extradited*

>>212428020 (OP)
I havent paid a penny to my 70k debt lol

>>212431408
you do know it isn't that easy, right?
"escaping" to another country is usually just to enjoy immediate protection if another country wants you for something, like what Snowden did, but that's never permanent
you usually can't escape debt, and countries will cooperate in repatriating you, or at least force you to pay via their authorities instead

Unless you're a professional athlete, there's no real need to move to the U.S. for the 'American Dream.' While salaries in Japan are on the lower side, comparable to Central Europe, the cost of living is cheap, job security is basically guaranteed, and it's easy to find work (since the language barrier is so high for foreigners).

>>212430169
I went to an Ivy league and am over $120k in debt but deferred my loans after going into default and my credit score went from 400s to 700s. My monthly payments are currently $0 because I’m really fucking poor and come from a poor family. Hope Trump’s faggotry doesn’t fuck my shit up

>>212430967
I’m sure republicans will try to get rid of it even though college averaged $300 a semester when they were young

Boomers were a mistake

>>212429780
>2010
>interest
Interest has been like 2% for 15 years

>>212428020 (OP)
That's the problem with America, everyone only cares about themselves. Who will think of the poor upper class who can't afford their second yacht?

>>212430967
How is it that socialist. Private companies will often do similar things. Military service also gibs free edjewvacation.

>>212432110
>How is it that socialist.
anything that helps the people of a given state via state means is socialist
sure, in this case it's based on meritocratic achivements (ie working for government bodies or charities), but still something that assists the individual doing that
I know you hate socialism and are erroneously taught in schools it's some kind of anti-thesis to "freedom" and whatnot, so this is why I was surprised there's literally anything in the US to alleviate a citizen of financial hardship.

>>212428020 (OP)
that can't be real it's an interest of almost 200%, don't they have anti usury laws?

I think Americans should make the useful degrees (STEM, law, philosophy and philology) 10 times less expensive and make the useless ones (pol sci, journalism, arts and crafts...) 10 times more expensive

>>212432352
the list of useless degrees changes depending on current culture and politics

10 years ago if you graduated from a computer science program you were in very good shape. today the same degree puts you below an English major.

>>212428020 (OP)
>>212428344
low IQ

>>212432431
is it really that bad for CScels?
i mean there's several other options other than software development (in theory)

>>212432657
yeah IT is totally fucked in the USA right now

I make $27/hr working for a shithole major city government. I apply every day for IT help desk jobs paying ~$15/hr and still get rejected. Hundreds of applications. I've had resume review and everything.

I have both given up and also come to peace with the reality of the situation. Companies like Microsoft and Amazon lay off 9000 people and the next month hire 10,000 Indians. That's just the way it is here.

>>212432707
skill issue

>>212432739
I'm not sour. I feel sorry for these people who have a great depth of knowledge and years of experience and are taking jobs paying less than McDonald's.

>>212429575
Nta but why is this unreasonable. Many states even have a thing where if you border a state or are part of a region like the west then you get instate tuition. Plus when it comes to attending college you’ll be living there for years anyways and you’ll usually get instate tuition not long into it.

>>212432657
If you went into CS I consider you an npc so no more complex than the codes you write.

>pay the absolute minimum on your loans
>likely mid to late 40s with zero financial knowledge
>socialiststeve6
lol

>>212433725
No, that's not how any of it works. Typically you need to live there for a year for non-education related reasons before receiving the in-state tuition price. You also need to show that either you or your parent(s) paid income taxes in that state, to qualify for residency. Meaning you need a job there for at least a year.
This all varies by state, but not enough that you can easily just use a loophole to get in-state tuition. Otherwise nobody would pay out of state tuition after the first year.

>>212428020 (OP)
Yes I do. I live with my mom and make $8500 a month after taxes

>>212428667
Yes and no. I had no debt until I had to live on campus for my last year of college because I went homeless. Tuition, housing, and a meal plan cost me 15k for 2 semesters. I'm not arguing that housing and meals should be free but a lot of uni students are going to live on campus and that IS expensive even at state schools.

>>212433877
Yeah Ik but if you can’t do the most token amount of work to qualify then you’re a retard. People pay out of state tuition because they are retards.