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Thread: HOW are you supposed to do it ?

  1. #1
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    Default HOW are you supposed to do it ?

    So, that's a thread mainly for the US users of the BBS. It's about college tuition. Not sex.... sorry.

    During my student years and recently, I often laughed, when I talked to US people on message board or IRL, about the ridiculously expensive price of university.

    I remember that weird conversation with a friends'penpal from Texas who asked us how much a year of college costed in France. And we said "About 300 Euros".

    And she answered "3000 Euros ?! That's cheap !"

    No... 300...

    Then she just looked shocked and sad.

    I thought that difference was stupid and amusing.

    Now that I'm 31, I still think it's stupid, but I don't think that amusing at all.

    I reached that age with projects and now I'm buying an appartment. I will be having a debt for the first time in my life and i'm terrified. It feels like I'm exchanging my freedom for a bigger place to live...but I get that it's necessary and I won't pay much more than rent so it's okay.

    BUT now I'm wondering HOW can you buy an appartment, when you reach that age when you're supposed to be married and have kids, if you already owe a 100.000 Dollars to the bank ?!

    Also, I could never have been a serene student knowing that I owed all that money... I probably wouldn't have been to college...

    Seriously, how do you guys do it/plan to do it ? how are you supposed to do it ? Did you give up going to college because of the price ?

    Also, do you know WHY it's like that ? I get that US isn't very fond of public services in general but giving your youth a chance to be educated doesn't seem like a bad investment...

    PS : Wheelchairman, please don't brag. I know that Danes are PAID to study
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  2. #2
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    There are quite a lot of US students in UCC - many because it's just too expensive to go to college back home for them.

    Saying that, Ireland is one of the more expensive places to go to college in Europe. I can't remember how much my BA cost - about 1000 per year, maybe more. An MA costs about 5000-7000 now, and my PhD is 5700 a year (thank god for scholarships!).

    And the government keep threatening to charge more (as technically you don't have to pay fees in Ireland for 3rd level).

    It kind of depresses me to think that in other countries a lot of this is so much less expensive. But then I think about the poor people of the US and feel happier!

  3. #3
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    Quote Originally Posted by Harleyquiiinn View Post
    I remember that weird conversation with a friends'penpal from Texas who asked us how much a year of college costed in France. And we said "About 300 Euros".

    And she answered "3000 Euros ?! That's cheap !"

    No... 300...

    Then she just looked shocked and sad.
    Yup, I went to a "public" university. When I was a student, it cost about $5,000 a year. Now it's about $10,000 a year. And that's only for students from that state. Out-of-state students pay double that. And private universities... won't even go there. Anyway, I graduated with $20,000 in debt. It took me 5.5 years, but I had some grants due to being from a poor family.


    BUT now I'm wondering HOW can you buy an appartment, when you reach that age when you're supposed to be married and have kids, if you already owe a 100.000 Dollars to the bank ?!
    I was just back in the US for two months and it refreshed my perspective on things. Truth is, Americans are in crippling debt. They add to their student debt when they buy a house. And a car. As they get better jobs with better salaries, they take on more debt payments.

    Also, I could never have been a serene student knowing that I owed all that money... I probably wouldn't have been to college...
    You say this as a 31-year-old. When you were 18, I can guarantee you'd never have thought of it. When you're 18, have never truly worked before, never had to take care of yourself, your concept of money is very obscure. You don't yet realize how much work it will be to pay off that money.

    Furthermore, the system makes it so you don't think about it. "Do you want to go to college and need help with your tuition? Just go to FAFSA.gov and fill out the application." You fill that out, and you're able to go to college. You don't think about how much money the government just paid to the university as a loan for you.

    Seriously, how do you guys do it/plan to do it ? how are you supposed to do it ? Did you give up going to college because of the price ?
    I ended up in a special situation. My step-father co-signed for half my loans, and my first boyfriend co-signed for the other half. I despise and detest my step-dad, and to get back at him, knowing that I live in Europe and they will never come after me, I've left those loans to default to him. He's stuck paying those loans and I'm totally fine with it. Those my ex signed for, he's really well-off and paid off the loans all at once, so now I'm just repaying him.

    I have no fucking idea how others do it. You can defer student loans for a really long time, but they are the only kind of loan you can not declare bankruptcy on, which is extremely fucked up.

    I certainly do know people who chose not to go to college/university due to the price. Their parents influenced them in that regard.

    Also, do you know WHY it's like that ? I get that US isn't very fond of public services in general but giving your youth a chance to be educated doesn't seem like a bad investment...
    Here's why. Some decades ago, when colleges started charging tuition (which was exactly what you said - not fond of public services), some people were unable to afford it and had to forgo higher education. Back then, it was only like $500/year, which is totally fine, and the government started issuing loans to poorer people so they could go to college. Everything was fine, as you have to pay about that much for university in most European countries, as well, and poor people were still able to go.

    Over time, though, the universities saw that they could raise their prices and not lose students because more kids would just take out those loans, which the government gives out like candy. (Pretty much everyone is approved for those loans - it's just that they're particularly nasty if you fail to repay.) So prices went up, and more kids took out loans. The prices have continued to rise for the last few decades and are not staggering. The money goes directly to staff - that is NOT to say professors, but administrators who work for the university. Basically the people who are able to increase tuition are the ones who take it home.

    The problem is getting out of this hole. If I went back to 18 years old, knowing what I'd end up doing with my life, I'm not sure I would've gone to a university. On one hand, I did not need to go to such a good/expensive school to do what I'm doing. All I needed was a bachelor's degree from anywhere in the US. However, the experiences I had in university - especially as a member of an NCAA div 1 marching band - were kind of worth it. I would not have had that at a small community college or something. I'm not sure I would've grown into the person I am.

    But that's just *me*, as a person. In terms of the quality of education you receive, many people should be looking at other options now. Community colleges, tech school, learning a trade, apprenticeships, etc. Few degrees are worth the $20,000 I graduated owing, and even fewer are worth the $40,000 my school now charges.

    The answer is hard to find, though. Maybe if enough people decide not to go to universities, something will change. But what need is a more "socialist" government who just forbids universities charging that much. Cap those costs. But most Americans would never have that.
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  4. #4
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    Relevant:
    Quote Originally Posted by jsmak84 View Post
    I do not drink alcohol and coffee

    I do not smoke and do not do drugs

    I just do bumpin in my trunk

  5. #5
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    The U.S. is horribly expensive, and I agree they need to find a way to cut down good degrees/majors at decent universities from the $40 grand or whatever the hell they are.

    It's the opposite spectrum of bullshit over here, a basic Bachelor's in a non-medical/hard-science area runs like $2000 a year or something. And people still bitch over the exorbitant fees, mostly politicians in their 50s who grew up with it being free in the 70s. Any douche with any minimum-wage part job can pay off higher education fees at $2000 a year, it's a completely different thing to the U.S. But basically, in Australia, anything short of free is unacceptable to a certain wing of the political scene. Oh no, our kids can't possibly work 20 hours a week at McDonalds or fuckin' K-Mart while studying, the horror. Pussies.

    I mean, I had a shitty part-time sales gig at Radioshack and I paid off my degree up-front here. Fees have only gone up 13% since then, over the 7 years.

    You guys in the U.S. actually have something worth complaining about, makes me hate the whole scene here.

  6. #6
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    I was in an in state community college for about $8,000 a year. Because my mother didn't have a job or income while I was applying, that first year was free. Now I live with my dad and I won't receive financial aid. I'm not even going this semester for other reasons but I definitely won't be going to a university until I am 24 or 25. Bullshit here in the US. The grant for financial aid will not look at you as an independent until that age. Even if I move out now(at age 20) and become fully independent, at age 23, they will still look to my last legal guardian's income to base me grant off of. Unless I get knocked up, then even if I am living at home, I am an independent. I want to be a biologist but it will be super expensive so I am probably going to get a nursing certificate and join the military. I have already talked to people from the Air Force and that may be the way I am going(turns out you can wear corrective lenses to be a nurse). A lot of people in the US do actually join the military just to be able to go to college for free, or at least cheaper. I actually got a scholarship for free tuition in any Massachusetts state school but once everything is all worked out, it really only comes down to like $2,000 out of maybe $14,000 and that is at one of the cheaper schools.
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