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#1 | |
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Join Date: Jul 2011
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WhiteHouse.gov Student Loan Petition
The number of signatures NEEDED has already been passed up 3 times over, but please take a moment, sign up for an account if you haven't already, and add your signature to this petition that was created to the White House to eliminate current student loan debts.
To quote directly from the petition: Quote:
14,654 Signatures as of 6:40pm Sep 27, 2011
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#2 |
( ͡ʘ╭͜ʖ╮͡ʘ)
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More broke people looking for handouts. Pay your bills.
My guess is that your mailbox is filled from collectors trying to get a few bucks from you because you are a deadbeat. ![]() |
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#3 |
2011 GFY Hall of Fame!
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Interesting idea for sure.
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#4 |
working on my tan
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Fuck That! Pay up dead beat.
Student loans are a debt willing taken on to further someones earning potential. Not to mention the abuse that occurs with personal expenses being paid with "educational" loans. . |
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#5 |
Let's do some business!
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If we are eliminating debts/expenses in order to jolt the economy, I can think of many many many ways to do so. I've seen a lot of people slave for years to pay off their loans... I just can't get behind giving everyone left over a clean slate.
Another bailout. Wahoo. Just what we need, more poisoning of our brains.
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#6 | |
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Quote:
![]() +10 cool points
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#7 |
working on my tan
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I want to open a Mercedes Benz dealership can I get free money for that too?
The construction phase will jolt the local economy so will the employees I hire. . |
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#8 |
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This is actually a really good idea as long as the people with the student loans are actively working and paying taxes. Remember these are people unlike most of you, that have made the effort to get a college education and are using their education to better the country. This petition makes sense to close the gap for middle class families that couldn't afford sending their children to college.
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#9 |
Let's do some business!
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This is true. My brother did this. Took out tons of money for school, then didn't even pay for the school with the money and is now defaulting on both. I hardly see how this would be good for our country.
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#10 |
Mainstream Businessman
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Fuck, if that's supposedly a valid idea, why not forgive credit card debt then if that amount is less?
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#11 |
( ͡ʘ╭͜ʖ╮͡ʘ)
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Right? Clean everybody's credit rating and let everybody go spending again. It should stimulate the economy for the better...
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#12 |
Let's do some business!
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Imagine how much money would be injected into the economy if there was a 24 month mortgage holiday.
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#13 |
( ͡ʘ╭͜ʖ╮͡ʘ)
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Inflated bullshit money, because after a 24 month mortgage holiday... dumb motherfuckers would be so untrained to ay their mortgage that it would repeat itself.
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#14 | |
working on my tan
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Quote:
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#15 |
Too lazy to set a custom title
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Forgiving it? No way... I can't see that happening even if they had 300 million signatures and it shouldn't happen.
Depending on the conditions, I would support a deferment, which you can get for various reasons already. Credit wise, school loans do little to nothing to help your credit, however they can burn your credit. As well, they factor into a home loan as total money going out vs. income. Overall, credit wise, they're about the lowest on the scale as you can get.
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#16 |
Let's do some business!
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At that time we could wipe credit debt clean, releasing all sorts of other money into the economy, and also giving those homeowners money to start paying their mortgage again.
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#17 |
( ͡ʘ╭͜ʖ╮͡ʘ)
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Yes, but they would have to continue paying off the credit "given" to them while their mortgages kicked back in. In theory it sounds good, but in practicality I think it would be more or less just buying time.
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#18 |
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#19 |
Too lazy to set a custom title
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The current recession and housing b.s. has sparked Americans to pay off credit cards... I don't remember what the average cc debt was now, but I do remember it's dropping.
Clearly, Americans got the message.... maybe some twisted method would work, but I still wouldn't ever support them totally forgiving it.
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#20 | |
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Quote:
They may be behind on payments, but they did not get out of the loans.
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#21 |
<&(©¿©)&>
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Stupidest idea I've heard in years...
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#22 |
Let's do some business!
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Nah that's when the government steps up and gives everyone a huge bonus just for being American.
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#23 | |
working on my tan
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Quote:
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#24 |
Jägermeister Test Pilot
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I still owe money on my college loan, so, um.... I'll sign up.
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#25 |
Jägermeister Test Pilot
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All done!
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#26 | |
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Quote:
They are non-dischargeable in bankruptcy, while IBill fucks can declare bankruptcy and then start over. Student loans are taken by people who otherwise can't get an education (not the children of the wealthy) so the negative effect is skewed. Making them dischargeable under regulated circumstance just makes sense. |
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#27 | |
working on my tan
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Quote:
As far as having the loans dischargeable under bankruptcy laws any student worth his education would know to declare bankruptcy soon after getting the loan. Big deal if your credit is a mess when you're 23-25 years old if you get to start your career debt free. Funding would dry up quickly. . |
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#28 |
lurker
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they shouldnt forgive them, they should allow one 5 yr freeze. That you can only do once during the life of the loan. You got some kid out of school with a mountain of school loans and can only find work at starbucks for now. Its not going to get paid. things will get better then unfreeze and payments can start. We wont get in to the scam schools that rat fuck these students and there is close to no gov regulation on it.
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#29 |
lurker
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http://www.pbs.org/wgbh/pages/frontl...llegeinc/view/
it will make u physically ill. They are fucking people with the promise of a better life. |
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#30 | |
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Location: portland, OR
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Quote:
I can form a company, convince a bank to loan me money to start a business and then run that business into the ground and bankrupt it. I can then bankrupt the company and walk away from the debt. All the while my personal assets will never be in jeopardy. However, if I take out a student loan that loan balance is with me for life no matter what circumstances may occur. Not to mention the fact that I will likely repay 4-5 times or more than I borrow. Maybe this makes me sound like a tin foil hat wearer, but I have started to think that the cost of education keeps going up because our leadership wants good, controlled, in debt worker bees who aren't going to do too much too change the status quot. If you get out of college, get married, have a kid or two and settle down you have some serious debt so you need the job you have. You won't make too many waves for fear of losing what you have. If you are young, debt free and have a positive cash flow you are trouble waiting to happen for a politician. |
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#31 | |
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Quote:
I have a friend that got out of college and the job he was able to get wouldn't allow him to live and pay back his student loan at the same time. they restructured his loan to lower the payment, but now the total he will pay back is obscene. He borrowed a total of 60K. When it is all said and done he will pay back almost 400K. |
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#32 | |
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Quote:
That would be one of them. A buffer period for example. |
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#33 | |
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Quote:
The main problem is how expensive it is to get a degree. A friend of mine's son just started his freshman year. He is getting the state resident discount. After tuition, dorm costs, books and fees it is almost 22K per year. His parents have told him they will send him some extra money for food and other stuff so best case scenario for him is that he will come out of this 88K in debt. That seems crazy to me. |
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#34 | |
Let's do some business!
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Quote:
I have a corp. I can't just run around willy nilly and spend money that I don't have, declare bankruptcy, and then stroll off into the sunset. I am still held responsible. I realize that it happens, but there's a little more to it than that.
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#35 |
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And as for those who worked and saved their money, investing it in the institutions that made the loans? The people who actually worked for it just get fucked out of their money?
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#36 | |
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Quote:
Now I may have overstated things in one area. If you personally do something that is considered reckless and causes the downfall of the company creditors or other investors/shareholders could sue you personally, but they would have to prove that whatever you did caused the destruction of the company. |
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#37 | |
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Quote:
Adding to that: Point being, they wont let you bankrupt shit anymore unless you are truly bankrupt, even personally. If you can pay it personally, a judge just transfers the debt to you, even b2b owed money.
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#38 | |
It's 42
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College tuition costs ... Quote:
I think that there should be forbearance ( a moratorium on debt ) as well as an interest forgiveness possible for persons that have attained college degrees with student loans and are unable to secure employment at the level of their education for reason of the current economic situation. |
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#39 |
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Join Date: Mar 2007
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never
This will never happen, it sets a precedent which could never be reversed.
Not to mention, this guarantees the enslavement of 1000's of people. That leaves them with less people to worry about enslaving.
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#40 | |
Mainstream Businessman
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Quote:
1. If student loans were forgiven, what do you think the money would be spent on? Not much different than what CC-forgiven debt money would be spent on. 2. This is just a guess but considering the higher interest rates on CCs than on student loans, forgiving CC debt would ultimately pump more into the economy as there'd be less money being wasted on interest. 3. Let's say there'd be 2 possibilities with discharging CC debt: Those CCs are then closed, or those CCs remain open. If they are closed, then it finally gets a bunch of people off of spending outside their means. If they remain open, then yes the debt could be built back up, but look at all the spending that could happen. Anyways, most of that is devil's advocate talking - neither would ever happen. Perhaps a "mortgage holiday" as someone mentioned could be possible, which I think would be better given how many people are ridiculously in debt and how foreclosures aren't really sought after by banks especially in underwater situations. Who knows.
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#41 | |
Too lazy to set a custom title
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Quote:
It is getting harder to borrow money for a start-up without a personal guarantee, like you say, but the odds of losing on a business, being able to bankrupt the business and keep your personal assets are a lot higher than taking a student loan, defaulting and trying to get out of paying it. |
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#42 |
Registered User
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Thanks for making me aware. Heading to sign the petition now
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#43 |
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So you think the money I've been working for and saving, which had been loaned to people for school, should just be stolen from me?
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#44 | |
So Fucking Lame
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Quote:
Those same kids will take that work ethic into their careers and succeed while the others that borrowed their living expenses will sit on Facebook at their $40k a year job bitching about work. Survival of the fittest. |
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#45 | |
Too lazy to set a custom title
Join Date: Aug 2001
Location: portland, OR
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Quote:
Or given to a bank filled with multimillionaires who ran their business unwisely and destroyed it then scared the shit out the country and got paid off? Or used to give free food, shelter and medical care to illegal immigrants. Or used to help fund the current presidents fund raising activites as he flies all over the nation raising money for the next election? Or just given to states and cities who end up squandering on projects that they don't need or never actually do. Or give it to businesses who do nothing but put it in their pockets and sit on it instead of hiring and expanding. Or give it to farms and pay them to not grow any crops Or give it to the FCC who spend more than $350K per year to sponsor a NASCAR driver. Or use it to spend $1.8 million dollars to build a private golf course in Atlanta. and the list goes on and on and on. |
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#46 | |
Too lazy to set a custom title
Join Date: Aug 2001
Location: portland, OR
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Quote:
Many kids do just as you say. They come home and work through temp agencies or wherever to save as much money as they can for the school year and they will be rewarded with less student loans, real work experience, a solid work ethic and the respect of their friends and family etc. But there are a lot of factors that can come into play. Take for example a friend of mine's son who just started college this fall compared to another friend of mine's daughter who will be a junior this year. She is majoring in history with a minor in education. Her class load is big, but not so intense that she couldn't get a part time job. He is studying chemical engineering. Just the classes and labs he has are 50+ hours per week. He could still get a part time job, but if he had the choice of working and being constantly tired which could cause him problems with his grades or taking out a few hundred a month extra in student loans so he had some extra money to live on and he was free to focus on school, I don't see a problem with that. He could still come home and get a job on summer vacation, but he likely will not make enough to last him the full school year and this just gives him another option. I'm not saying that a student should be allowed to borrow an extra $3K per month, that is crazy, but some extra cash to help them get by isn't a terrible thing. After all, you are only young once. If you have the chance you might as well enjoy it. You have the rest of your life to work your ass off. |
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#47 | |
Let's do some business!
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Quote:
You have to put yourself on the line to get that corporate credit. Companies don't just magically get credit. It comes from somewhere. Personal assurances. You are still responsible for that debt. I am personally responsible for both the taxes and the debt of my corp. Now if we are talking about a Fortune 500 company that is publicly traded and owns Wall Street... you might have a point. For almost every other corporation, you do not.
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#48 | |
Let's do some business!
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Quote:
I've seen proposals about a gradually increasing loan payback program. At the beginning you pay a little because odds are you make little with your first job, overtime you pay more. This is not a bad idea, though the interest would definitely need to be figured out. Paying such a low amount at the beginning could really jack up the overall price long-term in a huge way.
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#49 |
BACON BACON BACON
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i dont support this sort of thing at all.
i paid back all my loans for school. It really sucked actually for awhile. If i hadn't gotten into porn, or doing my own business, perhaps id still be making payments on it. That being said, i think it develops character and will push people into trying harder. So if you take the money to get ahead in life...pay it back, once you do. i wouldnt mind seeing it get harder to affect credit ratings though for student loans |
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#50 | |
<&(©¿©)&>
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Quote:
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