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Termyn8or -> RE: Forgive Student Loans? (10/19/2011 4:48:09 AM)
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FR
The problem here is that the people who are already fucked, are already fucked. While I was against the bailout really, it wasn't just a gift. In a way it was because even a loan is a gift in a way, if you can use that money to make money. That is of course, how an education is seen. It's seen as an investment.
Well you got took. The economy tanked long before it was in the news. The jobs people got back then were not secure. It was not really worth the tuition. So how do we fix this ? First of all forgiving student loans is a moot point becasue if the money isn't going to be paid back anyway it isn't. People will rent all their lives and pay cash for certain things. They will not get an income tax refund, so what ? Back in the day we used to always take zero exemptions to make the IRS into something like a bank account. Every spring we would get a big check and go fuck off for a while. But if you are not going to get a check adjust your witholding so it is very small. Give them their fifty bucks a year. So the money is gone anyway.
Learn to live the old way. And the old way means more than just living within your means. Forget credit. I had credit, it was great. I abused it and now it is gone. I was an adult when I started that shit and I got out of it, so why shouldn't someone who got trpped into a pipedream when they were young not have the same opportunity ? The difference is that I fucked the banks, not the government. They are next. But the point is I knew exactly what I was doing.
But in the old days people didn't have nor need credit except for houses. Most people actually paid cash for new cars. Cash. They drove an old jalopy or took the bus until they had enough money saved up. That's the way it was. The car companies were not banks and they didn't perish. The people made sacrifices and they didn't perish either.
But things were different then. You bought a new car and about fifteen years later you SOLD it to your son. You bought a refrigerator and you died before it did, now there are five year old Maytags on the treelawns. Even the education, you became an engineer or something that could make money, rather than a social worker.
These things made money back when this country was making money.
So how do we cure this ? Unfortunately I dislike socialism as much as ABM, but we are already down that path and I don't have any silly notions that a new administration will solve anything, even if able. This is already fucked up so what do we do ? Well I have thought my way out of some really tough spots but this one is a doosey. This is already a socialist country, so the way to go is a payroll deduction. Approzimately what ? 30% of the people in this country work ? That's about a hundred million or so. Ten bucks a month. How much money is that ?
Now get this, to take advantage of the huge revenues generated, real aptitude tests are given. This will pay for future education as well as alieviate the current problem. A taxpayer funded educational system. This is strangely how they do it in some of the good countries. Get a clue and consider the education system in Austrailia which I have heard is pretty damn good. Have a look at an online resume by a fellow named Lewin A. R. W. Edwards. Think of ONE PERSON educated in the US that has a resume that can even begin to compare. OK, there may be a few, but not many.
And then there were the people in this couintry, back when it worked who worked their way through college. They didn't take basketweaving to say the least. When I met Lewin Edwards (online only) he was working in NY as a software engineer. On his resume you see that he quit college at age 16 to go to work writing drivers for hardware, and that his formal education thereafter was strictly on an ad hoc basis,. In other words he learned what he needed to know. The fact is that twelve years of school is too much. We can't dumb it down, life is too short. What made my life better was not making all that much more money, but making it sooner in life.
The fact is that the system used to work. The solution must then entail one of two things. One would be to return to the old way and hope it works again. We cannot be sure of that now in this economy. Another option is to adopt a system that does currently work. Your choice, your future, not mine. I KNOW things have changed alot, consider Jimbo, he became a doctor working himself through college on the oil rigs down in Texas. Well that's obviously not going to work again. So many things have changed and what has happened is that people have not adapted quickly enough. That adaptation is going back to a more simple life, without SUVs that adjust the seat and mirrors automatically, without $120,000 in equipment in the house all tied to Linux MCE, with caddies instead of golf carts. And now in the interim we have blown it so badly that now we can't even have what people had not so many decades ago.
We have got to learn to live differently, with less. If we don't we will be forced to live with nothing.
T^T
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