Declaration of Occupy Wall Street

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jillio said:
This is a man who has never lived the life of a student, nor had the expenses of education. He has no idea what he is talking about. He is simply sitting behind a computer screen trying to pretend to be educated. He is failing miserably. As we can all see.
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Umm.... who are you referring to?
 
Jiro said:
that's why it's a suicide to get a college loan from bank and everybody knows it. The only way to get FAFSA is to get your parents on board with you otherwise.... you're shit outta luck. There are some exceptions that you don't need parental involvement but majority of kids do not meet that exception.

so... now you understand where TXGolfer's coming from. It's not the banks or evil fat cats.... it's the kids squandering their parents' money in college for partying and sleeping in class.... and picking useless major. worst of all - having a "gimme gimme gimme" attitude aka self-entitlement.

"I'm 4.0 Harvard student. where's my job?"

I'm sorry - I'm not gonna hire a person with that kind of attitude. I pay for result, not credential. 4.0 Harvard doesn't mean anything to me if his background is lighter than a paycheck I'm holding on my hand.
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Ok, so it's rich kids squandering parent's money in college that's the problem, not the evil banks who gave exploitative loans to students who HAD to get loans because their parents can't afford their education, let alone for their partying in university.

again, FAFSA is only one of many finance options for students today. Just one of them.

Jiro...would you hire a guy who taught himself to be a doctor instead of one that went to Harvard medical school?

and secondly, why would you hire anyone who has a degree that is useless to your company?

you're making it sound like all students who got loans then went to college and got useless degrees and partied their asses off on their parents' dime and therefore it's all their fault that the banks exploited them.

I'm suddenly hearing the cuckoo clock piping up somewhere.
 
jillio said:
Actually, that is incorrect. The age is 24, and that is not a constant. Many students are declared independent at the age of 18 and assume their own debt.
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:ty: for minor correction.

jillio said:
Students don't "get" a FAFSA. Students fill out a FAFSA. A FAFSA is a Federal Application for Student Aid that determines a student's eligibility for low interest subsidized and unsubsidized loans, and an undergraduate Federal Grant called the Pell Grant. The Pell Grant is not available past the undergraduate level. The unsubsudized and subsidized loans are.
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Right. common sense. People get FAFSA by applying for it. I don't need to explain it in a great length because I'm assuming that everybody knows how to get FAFSA unless.... ya'all are like these clueless "where's my bailout" kids.

jillio said:
You are also wrong regarding banking institutions making loans to students without collateral. They do it all the time.

It would appear that you have joined forces with someone who is doing nothing other than attempting to make all protesters appear to be worthless bums looking for a handout, and in the process, are making some very innacurate statements.
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I joined who??? I graduated and I got a job. and I'm paying back my college debt. Did I ask for bailout money? Did I whine "where's my job?"

I am the 1% of 99% that decided hard work and sacrifice were more prudent than complaining about how life is too hard and I'm not getting any free handouts.
 
Cheetah said:
I have never had an parental involvement in my student loans. I started college at 20 and worked nearly every day of my college education. My loans were from a bank but guaranteed by the government. I spent a good number of years struggling to pay back those loans.
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Nor were my parents ever involved in any of the loans I took out. My undergraduate education was paid for by a grant and several scholarships that I worked my ass off to get. Graduate school has been paid for by a combination of loans and employment. Since I earned my doctorate well into my adulthood, I will be paying on these debts far, far past the usual age of retirement.

I really wish those without an education would refrain from making ridiculous remarks regarding the expenses incurred by those with education.
 
jillio said:
Nor were my parents ever involved in any of the loans I took out. My undergraduate education was paid for by a grant and several scholarships that I worked my ass off to get. Graduate school has been paid for by a combination of loans and employment. Since I earned my doctorate well into my adulthood, I will be paying on these debts far, far past the usual age of retirement.

I really wish those without an education would refrain from making ridiculous remarks regarding the expenses incurred by those with education.
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Education? Meh, it is really pseudo-education. Just look at them.
 
Jiro said:
:ty: for minor correction.


Right. common sense. People get FAFSA by applying for it. I don't need to explain it in a great length because I'm assuming that everybody knows how to get FAFSA unless.... ya'all are like these clueless "where's my bailout" kids.


I joined who??? I graduated and I got a job. and I'm paying back my college debt. Did I ask for bailout money? Did I whine "where's my job?"

I am the 1% of 99% that decided hard work and sacrifice were more prudent than complaining about how life is too hard and I'm not getting any free handouts.
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I give up. if one just doesn't want to listen, nothing anyone can do.
 
Jiro said:
:ty: for minor correction.


Right. common sense. People get FAFSA by applying for it. I don't need to explain it in a great length because I'm assuming that everybody knows how to get FAFSA unless.... ya'all are like these clueless "where's my bailout" kids.


I joined who??? I graduated and I got a job. and I'm paying back my college debt. Did I ask for bailout money? Did I whine "where's my job?"

I am the 1% of 99% that decided hard work and sacrifice were more prudent than complaining about how life is too hard and I'm not getting any free handouts.
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Who paid for your Associate's Degree, Jiro? And if your university wasn't trying to fulfill a quota to keep their Federal Funding coming in under EEOC, I doubt seriously you would have found a job as easily as you claimed to have.
 
i know a lot of people who just finished school in obtaining BS or BA degrees or MA degrees they are in deep debts. MY GOD. some of others decide not to purse college due to tuitions so expensive. Both decisions suck. Bank needs to reduce the interest of rate or something with it. colleges should be positive but money issue is in the way. that sucks.
 
TXgolfer said:
jillio said:
Yep.....but you said "no one" before you edited. Fact is some ARE calling for loan forgiveness. Alot of the people in the movement want different things....That has been one of their problems.
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I talked with some who want the Federal Reserve to swallow our debt to them. Hmmm, tempting idea. :naughty:
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jillio said:
Nor were my parents ever involved in any of the loans I took out. My undergraduate education was paid for by a grant and several scholarships that I worked my ass off to get. Graduate school has been paid for by a combination of loans and employment. Since I earned my doctorate well into my adulthood, I will be paying on these debts far, far past the usual age of retirement.

I really wish those without an education would refrain from making ridiculous remarks regarding the expenses incurred by those with education.
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Agreed. I worked very hard in university and my social life consisted of going out maximum 6 times a year, otherwise I was either in school or taking care of my kids or working. I am so glad Canada had very reasonable and far more ethical approach to student loans that allowed me to be able to pay off my debts within 6 years of graduation. I was looking at interest rates for student loans in the US and literally blanched - higher interest rates combined with far higher costs of education in the US - I would have been in debt till the day I died and probably beyond.

This whole suggestion that student loan graduates are nothing but party kids who want free money is unbelievably offensive.
 
Jiro said:
:ty: for minor correction.


Right. common sense. People get FAFSA by applying for it. I don't need to explain it in a great length because I'm assuming that everybody knows how to get FAFSA unless.... ya'all are like these clueless "where's my bailout" kids.


I joined who??? I graduated and I got a job. and I'm paying back my college debt. Did I ask for bailout money? Did I whine "where's my job?"

I am the 1% of 99% that decided hard work and sacrifice were more prudent than complaining about how life is too hard and I'm not getting any free handouts.
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People don't get FAFSA. It is an application. That is all it is.

If you want to demonstrate your knowlege of these matters, you need to begin by using the terminology properly.
 
jillio said:
Again, Jiro. a FAFSA is an application. That is all it is. Stop using the term as if it is a loan. It is not. It is an application for elibility.:roll:
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oh I see. I thought I'm talking to people who know what I'm talking about.

jillio said:
Just because parents were able to support you while you got an IT degree (Associate's?) doesn't mean that everyone's parents are able to.
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IT? Associate's? not even close. I have 2 degrees. Bachelor of Arts. Master's perhaps next year or so. :)

What do you think how I'm very well-rounded and well-versed with many subjects? (oh my - you're making me sound like an aristocrat - refer to my avatar)

and I supported myself to obtain those degrees. Not a single dime from my parents.

jillio said:
Are you actually saying that low income students should not get the education that will assist them in getting away from the constraints of poverty? Because it certainly appears that you are.
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Oh? I said such thing? Please kindly point out where I've said that.

Scratch that. You're not going to answer my question and you'll just continue on deflecting. I've stated earlier that enrollment in community college is on the rise right now. It is very affordable and beneficial for low-income students. In fact, I've stated previously that I would encourage my future kids to go for community colleges and then transfer to wherever they wish to go. By doing that, I'll be saving at least $40,000. That's a smart investment.

Are corporations, banks, and government to be blamed for their stupidity and poor financial decision/management?
 
DeafCaroline said:
I give up. if one just doesn't want to listen, nothing anyone can do.
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I gave up on listening to whiners too if they don't want to accept their own responsibility and the consequence of their decisions.

I too suffered a hefty consequence of my decision. I paid for it. The question is.... will they accept it and pay for it too?
 
DeafCaroline said:
Agreed. I worked very hard in university and my social life consisted of going out maximum 6 times a year, otherwise I was either in school or taking care of my kids or working. I am so glad Canada had very reasonable and far more ethical approach to student loans that allowed me to be able to pay off my debts within 6 years of graduation. I was looking at interest rates for student loans in the US and literally blanched - higher interest rates combined with far higher costs of education in the US - I would have been in debt till the day I died and probably beyond.

This whole suggestion that student loan graduates are nothing but party kids who want free money is unbelievably offensive.
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I am in full agreement. While there are a few students who waste their educational time on Mom and Dad's dime, it is not the ones that are responsible about their educational pursuits,nor the ones that are responsible for their own loans. One has to be incredibly motivated to obtain the most from their educational experience to even considering taking on the debt that students here must take on.
 
Jiro said:
Are corporations, banks, and government to be blamed for their stupidity and poor financial decision/management?
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Yes. At least enough to not deserve bailouts.
 
Jiro said:
I gave up on listening to whiners too if they don't want to accept their own responsibility and the consequence of their decisions.

I too suffered a hefty consequence of my decision. I paid for it. The question is.... will they accept it and pay for it too?
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How much did you take out in loans, Jiro?
 
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