Jacksonville Jaguars Fan Forums

Quote:Student loans are the most collectible type of debt there is.  

 

sure but the repayment terms are more generous and flexible then any other loan. As long as you are paying the terms are beyond flexible.

Quote:I understand what you're saying but I think a better avenue then would be to end high school at 16. Then at 16 let those that wish to attend these publicly funded community colleges get their AA degree before 18 or those that wish go to a trade school and learn a trade by the age 18. But make no mistake there is no public funding without effecting the curriculum, what the state pays for the state controls that's just the reality of how the world works.

 

 

No one likes the current system, no one. However student loans are not forced on individuals, the repayment terms are more forgiving than any other loan anyone can ever take in their lifetime, 

What's so wrong with extending the age of which education is publicly funded? State funded causing problem with curriculum for reason we are very aware of? Don't have it funded through the state have it funded federally at the college level. I see no reason at all why curriculum would change at all. The colleges themselves do not need to change just where the funds for the students comes from. 

I'd actually be OK with some form of needs based Fed funded "forgivable" loan program.  

This is loosely based on some of the results oriented recruiting packages I've used in the financial services industry.  

Assuming the student gets accepted to a university on their own merit (HS GPA, qualifying ACT/SAT scores...), a portion or all of the loans would be forgiven  based on the students performance. 100% forgiveness for each A, 75% for [BAD WORD REMOVED], 50% for Cs... Ds & Fs must be repaid in full.

It won't matter if a kid gets accepted to an $50K/yr Ivy, or barely qualifies for $2k/yr East Jabip comm college.  If they have the ability and do their part, they'll have the same opportunity for scholastic success as anyone else.   

 

the bad word removed was Bees, lol.

Quote:Show me a sector the Free Market doesn't control cost, I'll show you a sector government subsidizes.

Cable tv and the internet? There are alot of oligopolistic markets out there that I think are taking consumers for a ride that aren't subsidized in the manner you are meaning ..

Quote:I'd actually be OK with some form of needs based Fed funded "forgivable" loan program.  

This is loosely based on some of the results oriented recruiting packages I've used in the financial services industry.  

Assuming the student gets accepted to a university on their own merit (HS GPA, qualifying ACT/SAT scores...), a portion or all of the loans would be forgiven  based on the students performance. 100% forgiveness for each A, 75% for [BAD WORD REMOVED], 50% for Cs... Ds & Fs must be repaid in full.

It won't matter if a kid gets accepted to an $50K/yr Ivy, or barely qualifies for $2k/yr East Jabip comm college.  If they have the ability and do their part, they'll have the same opportunity for scholastic success as anyone else.   

 

the bad word removed was Bees, lol.

This is what my employer does and is a very intriguing concept. I like what you have going on here  :thumbsup:

Quote:Cable tv and the internet? There are alot of oligopolistic markets out there that I think are taking consumers for a ride that aren't subsidized in the manner you are meaning ..

You think the cost of cable and internet are out of control?

Quote:You think the cost of cable and internet are out of control?

Cable Television rates go up $5.00-$8.00 every month on a yearly basis.

Quote:Cable Television rates go up $5.00-$8.00 every month on a yearly basis.

 

And the market has responded by cutting the cord, streaming services over the internet from major cable outlets like HBO, ESPN, and many News Networks. Amazon Prime TV, Hulu, Chromecast ect.....

 

That's the natural course of the markets, when cost out weighs demand the market (consumers) find an alternative means. 

Quote:What's so wrong with extending the age of which education is publicly funded? State funded causing problem with curriculum for reason we are very aware of? Don't have it funded through the state have it funded federally at the college level. I see no reason at all why curriculum would change at all. The colleges themselves do not need to change just where the funds for the students comes from. 

 

You're talking about once again subsidizing the life style choices of working age adults. Why on earth would any 19 or 20 year old get a job and being to develop job skills if they can get a free ride for another 2 years? 

 

Will it stop at 2 years? 

 

State funding absolutely effects curriculum, case and point, private schools that accept common core benefits are required to change specific curriculum materials. http://www.whec.com/article/stories/s3544899.shtml

 

"As long as a private school doesn't accept federal funding, it does not need to follow the Common Core which was adopted by New York in 2010."

 

Plain as day example state funding never comes with no strings attached. Get government out of schools.

Quote:You're talking about once again subsidizing the life style choices of working age adults. Why on earth would any 19 or 20 year old get a job and being to develop job skills if they can get a free ride for another 2 years? 

 

Will it stop at 2 years? 

 

State funding absolutely effects curriculum, case and point, private schools that accept common core benefits are required to change specific curriculum materials. http://www.whec.com/article/stories/s3544899.shtml

 

"As long as a private school doesn't accept federal funding, it does not need to follow the Common Core which was adopted by New York in 2010."

 

Plain as day example state funding never comes with no strings attached. Get government out of schools.

Common Core is by far the worst thing that the public education system has ever come up with. And they've come up with a lot of stupid things before.

Whatever happened to the GAJ* approach to college?

 

I'm afraid I just don't have much sympathy for folks that rack up $100k debt at private colleges and get Art History degrees.

 

 

 

 

 

 

 

 

 

*Get a job

Quote:Whatever happened to the GAJ* approach to college?

 

I'm afraid I just don't have much sympathy for folks that rack up $100k debt at private colleges and get Art History degrees.

 

 

 

 

 

 

 

 

 

*Get a job

Well that's the problem here that we're trying to discuss. Most jobs these days require at least a college degree. High school diplomas and GED's just don't cut it anymore. The only other alternatives are either to go to a community college, a trade school, or some form of alternative higher education. Sad but true.

Quote:Whatever happened to the GAJ* approach to college?

 

I'm afraid I just don't have much sympathy for folks that rack up $100k debt at private colleges and get Art History degrees.

 

 

 

 

 

 

 

 

 

*Get a job

 

Most of them do have jobs.  Minimum wage doesn't come close to cutting it.  In fact in 2011 71% of undergraduates had jobs. Most didn't have full time jobs -- but they were working.  


It's easy to suggest people go work minimum wage jobs in today's economy, and say "save up for college yourself, you bum!" But I seriously doubt anyone who's saying that has done it themselves (In today's economy, with minimum wage having not caught up with inflation at all.  Not to mention rising tuition rates)

Quote:Well that's the problem here that we're trying to discuss. Most jobs these days require at least a college degree. High school diplomas and GED's just don't cut it anymore. The only other alternatives are either to go to a community college, a trade school, or some form of alternative higher education. Sad but true.

 

 

Quote:Most of them do have jobs.  Minimum wage doesn't come close to cutting it.  In fact in 2011 71% of undergraduates had jobs. Most didn't have full time jobs -- but they were working.  


It's easy to suggest people go work minimum wage jobs in today's economy, and say "save up for college yourself, you bum!" But I seriously doubt anyone who's saying that has done it themselves (In today's economy, with minimum wage having not caught up with inflation at all.  Not to mention rising tuition rates)

I made it through UNF with a part-time job and living in cheap places with roommates.

 

I realize not everyone has that option, but I have also noticed there are plenty of folks who feel that they deserve a "college experience", wherein they don't work at all, pay to stay on campus, eschew their state's public universities for an out-of-state private school, get a degree they find interesting instead of useful, spend more on booze than books, and then complain incessantly about their incredible debt burden years later.

 

Wanna do it on the cheap, and still get a quality education?  Get the AA or AS at the local community college, perform well enough to get into one of your state's quality public institutions, and hold a part-time job throughout.  Get the loans, by all means.  Just don't use the bank as a means to have fun now and pay through the nose later.  Got good grades, but still poor and desperate?  The armed forces will be glad to help you get that education - at the price of years of paid service.

 

I really do have sympathy for those that find rising tuition unbearable, but not much for those not willing to compromise to make their education happen.

Quote:Most of them do have jobs.  Minimum wage doesn't come close to cutting it.  In fact in 2011 71% of undergraduates had jobs. Most didn't have full time jobs -- but they were working.  


It's easy to suggest people go work minimum wage jobs in today's economy, and say "save up for college yourself, you bum!" But I seriously doubt anyone who's saying that has done it themselves (In today's economy, with minimum wage having not caught up with inflation at all.  Not to mention rising tuition rates)

 

It's too bad that they don't have the option of working jobs that pay more. Since no one in our society ever works for more than the minimum wage and no employers anywhere pay more than that I guess we're all doomed.

Quote:Well that's the problem here that we're trying to discuss. Most jobs these days require at least a college degree. High school diplomas and GED's just don't cut it anymore. The only other alternatives are either to go to a community college, a trade school, or some form of alternative higher education. Sad but true.

 

This is exactly what I was saying. Some people are simply not cut out for college and eventually at least a 2 year degree will be the hard barrier for entry to the job market. At that point we'll have an entire section of the population that's unemployable. Of course that section will be dependent on the government to survive, so one could infer that someone planned it that way.

Quote:It's too bad that they don't have the option of working jobs that pay more. Since no one in our society ever works for more than the minimum wage and no employers anywhere pay more than that I guess we're all doomed.

If you guys got your way the wages would be even lower. 

Quote:If you guys got your way the wages would be even lower. 

 

Quote:If you guys got your way the wages would be even lower. 

 

Really? I've never hired a person for the minimum wage as it is now, why would I want it lowered? Better pay is one of the ways that I find, recruit and retain my highly skilled staff.

Quote:Really? I've never hired a person for the minimum wage as it is now, why would I want it lowered? Better pay is one of the ways that I find, recruit and retain my highly skilled staff.

Maybe I am confusing the conservative agenda with Libertarians? My bad