I feel as though I'm constantly hearing someone whine about student loans and now we have some cities offering repayment of loans for relocation (though, is this really new? Haven't certain areas alwasy offered this?)
Recently a friend posted a cartoon on facebook: A boy moving back home with "5 figure student loan debt" on his back. His parents are giving him grief, stating that they started out with nothing. His reply "I wish I could have started out with nothing!"
What are your thoughts on the situation? Should students come out of any 4 year University without any type of financial obligation? Is a 4 year degree becoming the high school diploma?
Where on earth are you going? An Associate's is typically a 2 year degree. One you can get from a community college. Our community colleges are *maybe* $6,000-$8,000 a year. That's on the high end, I believe. Many of our students attend those in order to save money. One community college South of us is so highly regarded that students often end up in William and Mary.
You're talking about $30,000 a year which is extremely high for any school.
Hell, I just went back to get my teaching certificate and it also serves to have you complete half a Master's and the whole program is $15,000 (without any type of aid). That's at University of Richmond which has tuition that rivals Duke (around $40,000/yr)
Quoting Aichia:
I'm looking ay almost 60k for my AS. When i started community college it was only suppose to be half that but in nearly 3 yrs the price of tuition went from being $140 less per credit hour at the state university to $20 less per hour.
I don't regret going to school for my degree, my school was they best for it when i started, now the are middle of the pack & what was suppose to be a transfer degree is no longer accepted at the local university.
I'm against student loans. We will be saving for our childrens college education. Our kids will also be expected to work. At this point in time college degrees just aren't gauranteeing jobs. I've no idea what it will be like in the future but we will pay for our childs bachelors.
Average costs have increased by 15% in the last two years.
Quoting anxiousschk:Where on earth are you going? An Associate's is typically a 2 year degree. One you can get from a community college. Our community colleges are *maybe* $6,000-$8,000 a year. That's on the high end, I believe. Many of our students attend those in order to save money. One community college South of us is so highly regarded that students often end up in William and Mary.
You're talking about $30,000 a year which is extremely high for any school.
Hell, I just went back to get my teaching certificate and it also serves to have you complete half a Master's and the whole program is $15,000 (without any type of aid). That's at University of Richmond which has tuition that rivals Duke (around $40,000/yr)
Quoting Aichia:
I'm looking ay almost 60k for my AS. When i started community college it was only suppose to be half that but in nearly 3 yrs the price of tuition went from being $140 less per credit hour at the state university to $20 less per hour.
I don't regret going to school for my degree, my school was they best for it when i started, now the are middle of the pack & what was suppose to be a transfer degree is no longer accepted at the local university.
"The right to be heard does not include the right to be taken seriously."
And? I'm quoting current rates that seniors in HS are giving me.
Quoting collectivecow:Average costs have increased by 15% in the last two years.
Quoting anxiousschk:Where on earth are you going? An Associate's is typically a 2 year degree. One you can get from a community college. Our community colleges are *maybe* $6,000-$8,000 a year. That's on the high end, I believe. Many of our students attend those in order to save money. One community college South of us is so highly regarded that students often end up in William and Mary.
You're talking about $30,000 a year which is extremely high for any school.
Hell, I just went back to get my teaching certificate and it also serves to have you complete half a Master's and the whole program is $15,000 (without any type of aid). That's at University of Richmond which has tuition that rivals Duke (around $40,000/yr)
Quoting Aichia:
I'm looking ay almost 60k for my AS. When i started community college it was only suppose to be half that but in nearly 3 yrs the price of tuition went from being $140 less per credit hour at the state university to $20 less per hour.
I don't regret going to school for my degree, my school was they best for it when i started, now the are middle of the pack & what was suppose to be a transfer degree is no longer accepted at the local university.
Quoting stephanie73401:Why do people think that they must have a loan to go to college? What happened to people working to pay for things with real money instead of credit and interest? I think teaching your children that debt is acceptable is the wrong path completely.
I understand what you're stating, but I find the concept unreasonable. There are a lot of degrees that can be started in community college and finished at a university or online that are reasonably affordable. I say reasonably affordable, but that isn't always going to be true. It might be true for those who live at home with no financial obligations and/or for a person who has a decent paying job and low monthly expenses. The thought that anyone can go to college and that college 'should' be affordable is unreasonable because it isn't a one size fits all.
What I find absurd is a student who takes on debt with out fully considering what s/he might be getting into. I think too many people set unrealistic goals that won't always be easily obtainable.
maybe in your area
but across the country?
No
Quoting collectivecow:Average costs have increased by 15% in the last two years.
Quoting anxiousschk:Where on earth are you going? An Associate's is typically a 2 year degree. One you can get from a community college. Our community colleges are *maybe* $6,000-$8,000 a year. That's on the high end, I believe. Many of our students attend those in order to save money. One community college South of us is so highly regarded that students often end up in William and Mary.
You're talking about $30,000 a year which is extremely high for any school.
Hell, I just went back to get my teaching certificate and it also serves to have you complete half a Master's and the whole program is $15,000 (without any type of aid). That's at University of Richmond which has tuition that rivals Duke (around $40,000/yr)
Quoting Aichia:
I'm looking ay almost 60k for my AS. When i started community college it was only suppose to be half that but in nearly 3 yrs the price of tuition went from being $140 less per credit hour at the state university to $20 less per hour.
I don't regret going to school for my degree, my school was they best for it when i started, now the are middle of the pack & what was suppose to be a transfer degree is no longer accepted at the local university.
http://www.usatoday.com/money/economy/story/2012-06-13/college-costs-surge/55568278/1
Quoting Tanya93:maybe in your area
but across the country?
No
Quoting collectivecow:Average costs have increased by 15% in the last two years.
Quoting anxiousschk:Where on earth are you going? An Associate's is typically a 2 year degree. One you can get from a community college. Our community colleges are *maybe* $6,000-$8,000 a year. That's on the high end, I believe. Many of our students attend those in order to save money. One community college South of us is so highly regarded that students often end up in William and Mary.
You're talking about $30,000 a year which is extremely high for any school.
Hell, I just went back to get my teaching certificate and it also serves to have you complete half a Master's and the whole program is $15,000 (without any type of aid). That's at University of Richmond which has tuition that rivals Duke (around $40,000/yr)
Quoting Aichia:
I'm looking ay almost 60k for my AS. When i started community college it was only suppose to be half that but in nearly 3 yrs the price of tuition went from being $140 less per credit hour at the state university to $20 less per hour.
I don't regret going to school for my degree, my school was they best for it when i started, now the are middle of the pack & what was suppose to be a transfer degree is no longer accepted at the local university.
"The right to be heard does not include the right to be taken seriously."
Quoting sherry132:
My student loans, for a bachelors in business management are over 60 grand.
I don't think we should get off scott free, but the amount we are paying is beyond ridiculous and the interest is crazy.
Was this a private or state school because I know you can get a business degree for a lot less than that.
For pete's sake, I just looked up current rates for the community colleges I was referring to and it's $2,000 per semester if you are full-time (12-18 hours).
That's not including books, so budget another $2000 for the year for books and there ya go. $6,000 a year. Financial aid is also frequently awared to those with good grades and good SAT scores, which can easily cut that amount in half.
*Out of state* tuition is around $6,000/semester.
I could buy into that argument, with some stipulations, yeah.
Quoting Tanya93:Then maybe the government should stop guaranteeing loans.
Quoting L1558:I don't see how the government spends taxpayer money as semantics, but if you want to call it that, it's okay with me.
I understand the bottom line and don't need it explained to me any more than you think you need it explained to you. I believe that the tuition is hiked highly because of the funds it can receive, and I think with streamlined classes and affordable rates there would be a boon in attendance.
The government is supposed to be run BY the people as it was created FOR the people. It most certainly should be run as we see fit. What I am saying is that the government isn't giving us college education money out of the goodness of its heart. Colleges are able to charge their rates because of the money the government gives them. It sounds like you are implying we should be writing the government thank you notes...when in fact, the government wastes so much taxpayers' money that the thought alone is laughable.
Additionally, the government has much deeper pockets than an individual. I guess what I'm saying is, I'll complain all I like about my student loan. :o)
Quoting kailu1835:I'm sorry, are we arguing semantics here?
Here's the bottom line. You pay, out of pocket, for only a third of your education. All the taxes you pay as an individual do not come even close to paying for the rest of your education. We are all, as taxpayers, paying the government to dole money out where they see fit. So yes, the government is paying. Once you pay taxes, the tax money belongs to the government. The government sees fit to use a chunk of that money to pay for your education, my education, my neighbor's education, etc etc etc. That money makes up 2/3rds of your education. So complain about student loans all you want, but remember that you aren't paying even half of what the government pays for you to get your education.
Quoting L1558:
Like so many working college alumni who fortunately now have (hopefully somewhat decent) jobs and pay taxes. The government doesn't really give you anything of "theirs".
;o)
Quoting kailu1835:
Taxpayers.
Quoting L1558:
Quoting kailu1835:
Students know what they're getting into when they sign the contracts for student loans. They make the conscious decision to get an expensive degree that they cannot pay for. They have the ability to get grants, scholarships, etc, as well as the ability to pay on their loan while they are still in school so that their loan doesn't keep accruing massive amounts of interest (which makes up a pretty big portion of the loan when they finally do get out of school and start their lives).
I do not believe that any student going to college should be exempt for paying for their financial aid. Nobody HAS to go get an expensive degree that may or may not do anything for them.
Also, I don't know if you all are aware of this, but you are actually only paying for about a third of your education. The government pays the other 2/3rds.
Maybe, but who pays the government?
and what "generation" are you?
- anxiousschk
on Jun. 13, 2012 at 2:08 PM