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- cross-posted to:
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A new study suggests that distressed borrowers using a simpler bankruptcy process are succeeding — and that more people like them should try.
The process which enables this was introduced during the Biden administration.
It’s not what I meant. I meant that when you’re 18 going to the same school as bunch of your friends and living on a nice campus sure looks more fun than going alone to another country and just trying to find your way around there. I meant that when you’re 18 it’s really hard to understand what paying off massive debt is like. In the end most people didn’t had to support themselves at that age so they don’t know how much everything costs, what are the wages and so on. I think that’s why my niece is studying in US even though she had an option to get her degree for free in Europe.
Your situation sounds completely different. You understood your situation, tried to do it the smart but hard way and still ended up in a terrible position. It sounds like higher education in US is simply not worth it anymore and there’s no way around it.
Thanks for sharing. I hope you will find your way out of it somehow.
I was working 2 jobs when I was 18.
I didn’t start college until I found a single job that paid enough to live on. I was 24.
I’ve no doubt a lot of 18-19 year olds do fuck around and waste college money and time.
But I wasn’t one of those.
Here is the thing. When people say. “Don’t go to school if you can’t afford it”.
That’s social mobility.
What exactly was my alternative option?
Stay working shit minimum wage jobs my whole life. Where I’m reminded every day how replaceable I am. ?
No money for healthcare.
Ending up with chronic conditions at 40 from the hard jobs. No way to afford to treat them.
My parents are young. My mom is 16 years older than me and she looks like she’s pushing 80. She’s got a laundry list of health problems and can’t even work anymore. 56 years old. And at the end of her life.
Being poor will lower your lifespan significantly. It will age you prematurely.
Im also an atheist and believe this is the only life I get. And I better do whatever I can to make it at least 70% enjoyable.
It was unacceptable to me to stay at the bottom. Quite honestly, I’d rather not be alive than have that life.
I’ve seen it. I know exactly what it looks like. And I know exactly how it ends. Usually around 55-65. Dying of a preventable disease.
Never retiring. No fruits from a lifetime of hard labor.
As I said the 10 year loan forgiveness program was a way for people to get themselves out of the cycle of poverty. But now, only wealthy kids get to go to graduate school.
And not that many will. Nepo babies usually just get bachelor degrees.
It’s going to take years to re build departments at universities that will start closing in the next year.
People don’t realize how much they depend on higher education in our society.
Medical staff. Lawyers. Engineers. The people inviting things do so at universities.
Even in my field, the research I do helps us understand the human body better and could lead to new interventions to help people have a higher quality of life.
People seem to not realize that all these tech advancements take humans to make them. And companies rarely invest in these. Except in their own properties.
I know so many people who think universities should be defunded of grant money for research.
They literally have no idea where the things they use every day even come from.
My sister moved to US from Poland when she was 18, about 25 years ago. She worked retail, banking and other random jobs. Got her degree online only couple of years ago. She has two kids, her husband died over 10 years ago so she was she was on her own for a long time now. She’s not complaining and is not planning on moving. Being Polish I know many people that moved to US with no education and did rather fine. My aunt and uncle won the green card lottery, moved to New Jersey ~30 years ago. He worked construction, she cleaned houses. They bought a big house, raised two kids. My other uncle worked construction there for 30 years until he retired and moved back to Poland. He was there illegally all this time and he was able to afford healthcare and is still alive while many of his peers in Poland died long time ago (5 uncles and aunts on both sides of my family died before 60). So… is it really as bad as you describe? How is it that immigrants with no degrees can find their way around, live comfortably, raise kids, go on holidays and so on but for Americans it’s all debt and/or suffering? I honestly don’t understand this.
people like you aren’t supposed to exist. you are supposed to die after a lifetime of barely getting by.
that is what the rich want. they dont’ want you to be ‘mobile’. they offends their world order wherein there are the only deserving ones.
Your comments in this thread indicate that it’s what you want as well.
how far gone are you that you think anyone who isn’t in perfect agreement with your politics is the enemy?