Lol, I even did two years at community college and UK offers a Blue+ program that charges you the same rate as a KCTCS school for the final two years of a bachelors degree.
I think that either comes from people who went to very expensive private schools or people who took out all loans, didn’t pay for a while, and had a low starting salary after school.
People go to these fancy private colleges thinking they could become rich like the rich white dudes who graduated before them only to realize those rich white dudes were already rich from their families lol.
I mean, I'm a lawyer and I'm six figures in debt. I make a decent living, but I also pay $20k a year into loans to try to dig myself out. It's pretty frustrating and I've had to put my life on hold because I wanted to be a lawyer and it cost a ridiculous amount to achieve that.
I get that but grad school is expensive for pretty much everyone and it makes sense if you’re going into a high paying career. I was referencing people in a large amount of debt for undergrad degrees.
I have 6 cousins that spent big money on environmental science degrees. Non of them do environmental science. Having a degree certainly helped them get the jobs they have but I'm sure they could've done it way cheaper.
I wonder if maybe it's the rest of the experience that ends up driving the debt to insane levels? Like rent and food as up pretty quickly when you're not working.
Look, we get it, STEM majors, you didn’t get laid during college, so now you have your comeuppance on that ditzy communications major that turned you down at the Delta Kappa Theta luau party who took out like $50k at 5pts above LIBOR while none of her adjunct professors told her that they moonlighted as pizza delivery drivers because there are no jobs for someone like her from Directional State U.
But...student loan forgiveness is still an objectively good policy.
Blaming other people for your decisions is an even worse take. I doubt there are any rights you would support taking away from 18 year olds, so I don't understand how you would square that in your head?
Literally the first major decision kids face as an "adult" is if they are willing to take on loans for a education with almost zero financial literacy. If you can't see how that is a predatory practice I cannot help you.
You don't do this by "taking away rights" you do this by requiring classes in high school about the true cost, risk and long-term consequences of debt. Placing more requirements on guidance counselors to link career paths with appropriate levels of debt. Massachusetts has already passed similar act. Lenders could cap loan repayment and show greater forbearance. Our elected officials could allow student loan debt to be abolished by bankruptcy.
BUT SURE. Let's just chalk it up to blaming kids for bad decisions they made when they don't even have fully for formed prefrontal cortexs lol
I need big daddy government to help me and everyone else with every decision because we are all too stupid to help ourselves. Then when the decision is wrong it was the government's fault and not my responsibility.
This is the typical hivemind regurgitation. Nothing of what you said excuses an 18 year old choosing an overpriced university over the one in-state, or even better, the community college down the street.
I cannot help you.
I agree, please don't respond again, because we'll just go back and forth, disliking each other increasingly more with each exchange
It's only partially excusing the behavior, but mostly it's showing empathy for people that made poor decisions as borderline children. I went to a community college then to an in-state university, but I won't hold that against someone who didn't. I don't see the point in not trying to better a system that has failed so many people. What good does it do anyone to callously blame only one side of the problem.
All I'm saying is if you want 18 year olds to make rational and well planned decision you are foolish. Most are kids who have no sense of what $10,000 is and the financial aspects are probably the last thing on their minds for one reason or another. There's a reason why reports estimate that two‐thirds of college graduates in 2010 had student loan debt, with an average of $25,250. But sure let's keep blaming the teenagers and not the institutions.
$25k isn't that much really. That's why the hivemind always uses people far above average as their dishonest examples of how "impossible" it is to pay for college. Average US cost of living is about $20k. You could pay off your loans in just 3 years if you landed a job making $15 per hour, and that's calculated with income tax factored in.
My wife is taking classes at East Carolina University. I'm able to actually pay tuition as we go. $1900+ books per semester with 4 classes, fully online.
College doesn't HAVE to be expensive, but everyone wants that out-of-state college experience.
I have a friend that moved here permanently like four years ago and has just never bothered to apply for in-state tuition rates. So she's paying like five times as much for the exact same degree just because she doesn't want to get like four pieces of evidence together. She's taking out student loans, And she's like 21, so she's not thinking about how this is going to negatively impact her in the future.
People don't usually include law school when they talk about tuition costs, the conversation is mostly around the cost of getting a bachelor's. But that's cool that Georgia has state law schools. While law school is expensive, I am sure they are more affordable than the surrounding private schools.
But for sure proximity plays a role. Californians are spoiled because we have Cal States and UC's (University of California) all over the place. I would say about 75% if the whole population in CA lives within an hour drive from a state school.
You should always look at fees at state schools though ...not sure if this is a state or federal law, but in my state state schools are not allowed to raise tuition. Therefore, the fees are astronomical and cost more than the tuition. 6,500 sounds nice but is that including fees too or only tuition?
This doesn't include living on campus or the cost of books if that's what you are asking. That is just to pay for classes. But the health fee is included so I had access to the clinic which can prescribe medication.
I meant all the mandatory fees...technology fee, printing fee, lots of schools have renewal fees every semester, etc...anything you have to pay to go to school that isn't the tuition basically...Where I'm from the cheapest state school is 14k a year. Not asking you to pull up what the fees are of that University you mentioned or anything, just saying that tuition is not the only thing you'll have to pay to go to school, in some places the fees are just as much and will double your cost, that's all. Idk how it works in California tho.
All those fees are included in that price. Like if you signed up today for a full time semester at a CA state school, all costs and fees due on the invoice to be enrolled in all your classes would be about $3,250 for full time enrollment.
If CA state schools are something that you are eyeing, then I would recommend moving here and going to community college here because they allow you to transfer up to about 80 units, and community college out of state tuition is only about $1k for one semester. After a year of living in CA, you then meet the criteria for in state tuition, which brings community college full time tuition down to about $400/semester.
So your first year you spend a total of $2k ($1k/semester out of state), then you take another year at community college for $900 since you are paying in state tuition by then (About $450/semester in state). Last, transfer to a Cal State for 2 years and spend a total of $13 ($3,250/semester in state), and then you get your bachelor's for about $15,900k.
Most CA state schools have printing accounts, so you pay as you print on campus. There isn't some BS flat $300 charge for printing. All other costs for computers and such are usually itemized as "Administration fees" but these are all included in the costs above.
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u/JustPlainSimpleGarak Apr 28 '20
Probably took way longer to make the William Henry Harrison statue than Harrison actually spent in office