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Forum Post: How are we going to get student loans

Posted 1 year ago on May 16, 2012, 1:54 a.m. EST by justiceforoccupy123 (35)
This content is user submitted and not an official statement

completely or partially forgiven? How can we make it to where they are included in bankruptcies?

45 Comments

45 Comments


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[-] 3 points by gestopomillyy (1695) 1 year ago

you can use the income payment plan.. you only have to pay about 20 bucks a month if you make 20k

http://studentaid.ed.gov/PORTALSWebApp/students/english/IBRCalc.jsp

the only catch is you can never never miss a payment. i would suggest a seperate bank account with about 300 bucks in it. put the money in there and set it up as automatic withdrawal. remember to put money in once in a while. your set.

[-] 2 points by JPB950 (2254) 1 year ago

Do that and you take away student loans for future students. I can see negotiating terms, but who would loan money with no collateral and an easy route to avoid payment?

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[-] 1 points by justiceforoccupy123 (35) 1 year ago

I take it banks own the money we already owe.

[-] 1 points by lgarz (287) from New York, NY 1 year ago

There is a truly simple way to get Congress to lower Interest Rates on student loans, and Colleges to lower the cost of Tuition at the same time. Boycott College! Don’t go to school next Semester! There is really no good reason to go back to school next Semester anyway, so why go? Instead of demonstrating and getting maced by the campus Gestapo to demand lower Tuition, refuse to pay it. Don’t sit down, stand up and walk out!

[-] 1 points by enough (589) 1 year ago

Not permitting student loans to be discharged through bankruptcy, while allowing all other types of debts to be discharged, is a form of peonage. Peonage, which is the use of laborers bound in servitude because of debt, is illegal. Congress, however, exempted student loans from bankruptcy protection, in order to placate bankers who complained about the high rate of student loan defaults. It's all about the big banks and what serves their interests instead of honest Americans. The is how a plutocracy operates and it is becoming more and more apparent to Main Street Americans who bother to pay attention.

[-] 1 points by friendlyopposition (574) 1 year ago

Found this in an article on yahoo:

"Another protest is planned for Hunter College in New York at the graduation ceremony on Tuesday. Monica Johnson, a 35-year-old Hunter College graduate student who's helping to organize the demonstration, borrowed about $15,000 in federally secured loans 15 years ago to pay for college. But in 2007, she decided to move to New York to get a master of fine arts degree at Pratt, a private school. She took out an additional $60,000 in loans, which ballooned to $88,000 after she dropped out of the program, dissatisfied. She now has a full-time job at an arts nonprofit and is enrolled at the much cheaper Hunter College, where she'll receive her MFA in December. ...

"What really pisses me off is I should never have been given those loans," Johnson said. "It honestly was the worst money I ever spent."

news.yahoo.com/blogs/lookout/occupy-graduation-student-activists-broadcast-debt-owed-ball-175457644.html

$88,000 in loans to get a private school Master of Fine Arts degree. And then she says " I should never have been given these loans." It appears that in 2007 she was 30 years old with a 4 year degree in something, and she blames the bank/school for giving her student loans? Sometimes you have to think before you act - or else there are repercussions.

[-] 0 points by Odin (583) 1 year ago

There is no doubt that Monica made some bad decisions, and that other students do the same. But let's not forget the reasons for the recession, and how it is affecting college aid, and fewer opportunities for these kids after having graduated university. According to one Drew University professor who gave a teach-in that I attended, it is projected that in the top 20 most needed professions in the next ten or twenty years....that only one of them will require a college education. If true, that is alarming on more than one front.

[-] 1 points by GregOrr (113) 1 year ago

I encourage you to put your ideas for this on http://the99percentvotes.com

It's a site for people to propose, discuss, and vote on public policy ideas. I want to popularize solutions and get candidates to adopt them.

There's a "Student Loans" subcategory under both Education and Financial Sector (see submit idea page).

[-] 1 points by tinissima (6) 1 year ago

Thank you! This is exactly what I was asking about!

[-] 1 points by GregOrr (113) 1 year ago

Ok! Not sure where you were asking, but please sign up and submit some ideas.

[-] 1 points by friendlyopposition (574) 1 year ago

I'm not trying to be an ass, but would going to a state college and working part time help to manage the school loans? I hear a lot about these school loans that are over $100,000 a year, and I can't help but question what Universities these people are going to.

[-] 1 points by GirlFriday (21785) 1 year ago

I don't know but they better get that going pretty quick. I'm going under.

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[-] 0 points by Odin (583) 1 year ago

Don't worry about student loans because as more and more good jobs are out-sourced, and we continue to pay for the bankers' and politicians' irresponsibility, malfeasance, and greed in a multitude of ways......and a higher education becomes mostly for the more affluent........there won't be much need for a good education. The answer is to either accept these facts, and do nothing, or start educating people on the corrupt dynamics that is driving social, economic, and political policy in this country. Then you should get you out in the streets.

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[-] 0 points by Justoneof99 (80) 1 year ago

BY PAYING THEM???? If the 99 are going to have any credibility, we have to step up and be part of the solution, not adding to the problem. The choice is are we going to be responsible contributors or greedy takers.

[-] 2 points by francismjenkins (3713) 1 year ago

This is a very strange statement, considering the 1% has been robbing and subjugating the 99% for decades.

[-] 1 points by Justoneof99 (80) 1 year ago

To those who choose to be helpless victims, it must sound very strange indeed. It is true that "the borrower is the slave of the lender" but as to subjugation? that is your choice.

[-] 0 points by JadedGem (895) 1 year ago

How about you and many other students stop going to college because it costs too much? The system needs students even more than you need a loan. If the 1% is all the students they have left because no one will take out loans, the system of bilking you for all you are worth for a college degree must be changed. Tell them the truth, the price of education, the cost of the loans, the interest on the loans, makes a college education just take too long to really pay off unless you are neurosurgeon material. Look into going to a community college and grants available. If your state does not tax lotto and fund college grants for good students, perhaps they should start.

[-] 2 points by friendlyopposition (574) 1 year ago

I look back at what I actually learned from my undergraduate degree... and it is sooooo obvious (to me) that most BS or BA degrees are just about the paper.

If businesses would get over it... I think people learn much more from 4 years of OJT.

[-] 1 points by JadedGem (895) 1 year ago

I see people really trying to move college loans. That is a hot mess. I joke about being poor, which I am. I however, have zero debt at the moment. I helped the ex threw school and by the time it was my turn to go to college, I opted for children and the first one had autism. People can make different choices, face different challenges and still have a life. No, I don't drive new cars and go to salons. Is my life horrible? Nope. People can make different choices and survive it. My sister is an unemployed teacher, she debates whether to list that she has any college because with college listed she rarely gets called back for the crap jobs that are the only ones available. She can't get an interview to work at Pizza Hut if she lists college. I worked cleaning hotel rooms with people with degrees before I had kids. So many people have degrees it only ups your chances of getting a job by 50% if we are to believe the statistics. If we consider the amount of college degree people leaving it off the application in the first place, well that's another story isn't it?

[-] 1 points by gestopomillyy (1695) 1 year ago

first i think every high schooler should stop being told that college is the only way out. every ghetto kid in america is indoctrinated into believing that education is the only way to get a job. the student loan problem will never end until that ends. then you have the corporations and small business. they will not hire unless you have degrees. so the myth is true! what is a person to do?

[-] 1 points by JadedGem (895) 1 year ago

They aren't hiring everyone with degrees. What is a person to do? Well, if you are a woman, find a man working his way threw school. Help him get his degree and be a housewife. You can garden, shop at thrift stores, do your own hair and nails, cook, clean, drive a used car and earn your keep and provide the economic value to your family without ever leaving the house. This tactic used by women would reduce the labor pool and increase the demand for workers making a shortage of workers rather than an excess and workers would then be offered more money. If you are a man, work your way threw school and consider running a business after you have enough experience and management skills to make a run at it. If you are a great worker and in a management position someone with money may back you for 51% of your business even if yourself have no collateral.

[-] 2 points by gestopomillyy (1695) 1 year ago

STUPID IDEA- you havent been looking for a job lately i guess. if it pays more than 10 bucks an hour.. they want a degree. and you advocate back to the old ways of utter dependency on a man? soo you spend your life up to the age of 50 doing nothing,, then he trades you in for a trophy wife and then what? PULEEESE, besides the fact.. the majority of men even with college cannot make enough money to support a family by himself. and half the men in the world are gay.

[-] 2 points by francismjenkins (3713) 1 year ago

The US divorce rate is twice as high as Germany. Of course in Germany prostitution is legal :)

[-] 2 points by JadedGem (895) 1 year ago

Its not a stupid idea. A stupid idea was for women go work for unequal pay all these years. A stupid idea is to try to buy equality in a relationship with a paycheck that will never be big enough to make you an equal. A stupid idea is to think you'll be pocketing a lot of money as you pay off your student loans. Go ahead, take out that loan and do it your way. Throw those kids in daycare, buy new cars, pay too much for your house. You go right on out and do all that. Just keep up the borrowing and you can pretend you aren't poor, agree to some balloon payments because your income was projected to go up. You are Brilliant. You'll shine, you'll rise straight to the top. You can't go wrong doing what everyone says is the right thing to do. It'll work out for you, not like those people in the streets. Its gonna be different for you when you do it, I'm sure. You go! You line up to go into debt, and tell yourself you had to do it. I didn't, I'm fine. I've got internet and time post crap too.

[-] 1 points by gestopomillyy (1695) 1 year ago

it is.. you are still advocating college as the only way out. just not for women that doesnt help anything pertaining to the subject of how to get educated enough to succeed without sacrificing your future

[-] 2 points by JadedGem (895) 1 year ago

What is success? Day-cares raising your children is a success? Being able to afford a nanny is success? If a woman wants to work her way threw school there are titty bars everywhere! Don't even start, I've seen ugly dancers too. If a woman wants a career really bad she can get go get one and usually easier than a man can. Who told her she had to adopt the male path to success and careers in order not to be treated as a second class citizen the cost to herself and her children be damned. (Women are now more at risk for a heart attack than men! Moving on up!) Its all good, now she can buy her children an Iphone so they stay in touch on facebook! :P

[-] 1 points by gestopomillyy (1695) 1 year ago

i was thinking more along the lines of a house, clothes, food. things that actually matter to a kid. you of course do not have to worry about a college fund as this entire conversation is about not having to go to college to make a living. you remember this idea when you get older . your 'man' trades you in and your living off your kids cause you have no skills an you working as a greeter at walmart

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[-] 0 points by BetsyRoss (-744) 1 year ago

"half the men in the world are gay."

False. According to statistics, less than 10% of the world's population is GLB.

"they want a degree"

http://www.upi.com/Health_News/2012/04/20/14-percent-of-women-stay-at-home-moms/UPI-94341334964924/

"Seventy-six percent of men with no college were employed, 83 percent of men with some college were employed, 92 percent of men with a college degree were employed and 94 percent of men with a postgraduate degree were employed."

A college degree INCREASES your chances of being employed, but the lack of a degree does not prevent a man from being employed-as the majority of men without a full degree ARE employed.

"spend your life up to the age of 50 doing nothing" NOTHING?

Why Stay at Home Moms Should Earn a $115,000 Salary- http://www.forbes.com/sites/jennagoudreau/2011/05/02/why-stay-at-home-moms-should-earn-a-115000-salary/

"According to the survey, the typical stay-at-home mom works almost 97 hours a week, spending 13.2 hours as a day-care teacher; 3.9 hours as household CEO; 7.6 hours as a psychologist; 14.1 hours as a chef; 15.4 as a housekeeper; 6.6 hours doing laundry; 9.5 hours as a PC-or-Mac operator; 10.7 hours as a facilities manager; 7.8 hours as a janitor and 7.8 hours driving the family Chevy."

[-] 1 points by gestopomillyy (1695) 1 year ago

none of those are 'skills' required for employment. hence the term nothing. many of those men employed you mention do not make enough money to support a family as i mentioned. if they do not co habit with a woman that works, and have 2 kids, they are near poverty level. (24k/4person). these are facts. not surveys. to think it is a good idea to plan for the man to manage all the money on his own . you sound like those girls on gypsy weddings.. i quit school at age 12 cause i know im not going to do any working in my life,, i will be supported by a man. crazy.

[-] 0 points by BetsyRoss (-744) 1 year ago

None of those are skills required for employment? So then by your own reasoning, day care teachers, CEOs, psychologists, chefs, housekeepers, laundry workers, PC-Mac operators, facilities managers, janitors and chauffeurs do "nothing" all day and shouldn't earn a wage at all.

Don't attribute anything to me that I did not say. My post was to present FACTS that prove your statements to be false or opinions only. I didn't say a word about a man "managing all the money on his own" or quitting school or being supported by a man.

[-] 0 points by gestopomillyy (1695) 1 year ago

they all have degrees to prove it. No there are no psychologist without masters, ceo's without masters, chefs without bachelors, .. by your reasoning.. working mother-psychologist should make thier wage of 100k PLUS 115k for that other 97 hours they work at home. what do stay at home moms do for those 40 to 65 hours a week working moms are working? r and r in the back yard by the pool? day care teacher, housekeeprs, laundry workers, and janitors, are all minimum wage jobs that adds up to what, for the 40 hrs a week you listed.. thats 14k .. without the degrees for those others.. well theres just no market. soo when those moms turn 50.. they can get jobs as maids or janitors, waitress and cab drivers. cool for them. if thats what you want for your declining years go for it.

[-] 2 points by BetsyRoss (-744) 1 year ago

"what do stay at home moms do for those 40 to 65 hours a week working moms are working? r and r in the back yard by the pool?"

Seriously?

Who is doing all of the above mentioned "stuff" for the working moms while they are working?

Or is your ideal vision of the "good life" working 40-65 hours a week outside the home and THEN coming home and working 40 hours a week INSIDE the home for free??

[-] 1 points by gestopomillyy (1695) 1 year ago

the working moms are doing it. after the age of 5 the kids are at school for 6 to 8 hours.. same as mom at work. before 5 there no chef, psychologist, chauffeur, not a whole lot of computer work, nor facilities being used for anything. are you saying that working moms do not put in 97 hours a week the same as the ones at home? yes they do.. plus the 40 to 65 for a wage. seriously.

[-] -1 points by BetsyRoss (-744) 1 year ago

You clearly think that one adult, or a couple with only ONE child under five (much less more than one) generates no laundry, eats no food, prepares no meals, never grocery shops or requires anything from outside the home, accumulates no dirt or trash anywhere, never pees, poops, or vomits anywhere, has no property that requires constant upkeep, pays no bills, requires no mental or emotional relationship understanding, never visits a doctor or travels anywhere, and has a pool outback which they use for endless hours of "r and r".

If as you say the stay at home mothers are indeed doing "nothing" all day, then logic dictates that the working mothers have "nothing" to do when they get home after work either. Being a mother isn't a 9-5 job, or even an 8-10 job. It's 24/7. If you DO believe that stay at home moms actually WORK when they are home, you think that only HALF of the work they do is worthy of being paid for. Amazing.

That you have no concept of what it takes mentally and physically to create a healthy environment for a family, or to raise a child even until age 5 makes me wonder if you never experienced it yourself, or if you are just completely oblivious to what was done on your behalf? Both options make me sad.

[-] 0 points by gestopomillyy (1695) 1 year ago

you are making much to much of it. hving a few kids in the house is not that much work, . bill are paid regardless.. meals are prepared regardless trash accumulates groceries are bought regardless. almost everything you mention occurs regardless of having kids around or not. relationships do not require psychologist. housework/laundry occur regardless. now if a woman can work 40 to 65 hours.. and still accomplish all this. stay at home moms MUST do nothing for those 40 to 65 hours because it all still gets done. kids get raised, clothed and fed just the same.

[-] 1 points by BetsyRoss (-744) 1 year ago

Amazing. Truly.

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[-] 0 points by GirlFriday (21785) 1 year ago

lolwut?

Are you for real? You were done at "Find a man".

[-] 1 points by JadedGem (895) 1 year ago

What is your career? What do you do all day? How much do you make a an hour? How deep in debt are you in? I mean what do you owe on your car? What do you owe on a house? Do you have kids? Do you intend to have kids? How old are you? Are you for real? What is the reality you are living in? What are you being sold and what are you selling? Are you helping corporations get cheap female labor? Are you helping move college loans? What you be pimping girlfriend??? Start questioning what you believe, where the ideals come from and who's interests have been served. Tell me how well your degree is serving you? Tell me how glorious it is to be a career woman. I hear women all the time complaining about anyone who does not have to work. They always sound so jealous, I assumed they resented their choices.

[-] 3 points by gestopomillyy (1695) 1 year ago

who i am and what i do is not the concern of the ows forum. working for a living is not a 'choice'. its a necessity. what reality are you living in? are you planning for your daughters to live with you thier entire lives when they find out they cannot find a man like dear o dad? if you have the money for that then fine.. its not something you should promote to the majority of women. most have to bring in income, to provide for themselves and the kids. even if the dad makes enough,, to enhance their lives.

[-] 2 points by GirlFriday (21785) 1 year ago

It isn't relevant.

You obviously have no knowledge of history. We had women that played that game and then, after putting the men through college, were dumped with no skills and usually with the kids. They lived in poverty. In fact, men could walk away from relationships at any time. It (literally) took an act of congress to say, "Thou shalt pay child support."

Further, we have domestic violence victims that do not leave due to financial reasons. They have no skills. Then every few years another jack ass comes along and says, "You know what would be cool? If we prosecuted abused women with children for not leaving the relationship, it would be so righteous. 'Cuz there is a pattern and you-know-man it would be soooo coool. Puff puff pass."

There are some things that people should not do. One of those things is to enter a relationship in a desperate financial need or any type of desperate act. You have just handed over the outcome of your life to the other party.

[-] -1 points by BetsyRoss (-744) 1 year ago

"There are some things that people should not do. One of those things is to enter a relationship in a desperate financial need or any type of desperate act. You have just handed over the outcome of your life to the other party."

You mean like taking out student loans?

[-] 2 points by GirlFriday (21785) 1 year ago

No. Pay attention. Get your ass an argument and get back to me.

[-] 1 points by BetsyRoss (-744) 1 year ago

Oh I'm sorry....you didn't indicate that your statement was purely conditional. Apparently you actually do believe that people SHOULD enter into certain relationships in desperate financial need.

[-] 1 points by GirlFriday (21785) 1 year ago

Pay attention!

[-] -1 points by MoveOnNothingToSee (-22) 1 year ago

Sorry, but a previous generation already pulled the borrow, graduate, and then default stunt.

Why should other people be stuck with the debt you borrowed? Everyone has a story of entitlement. What's yours?