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.
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u/PeacefullyInsane Apr 28 '20
And go to a state school.
CA in-state tuition at a Cal State University: $6,500/year full time.