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trucutru posted:Can you imagine using your cellphone to pay for things? madness Hmmm, yes, my weed dispensary is having problems getting a bank account, better switch to Bitcoin and make sure that I'll never be able to get a bank account under any circumstances.
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Jul 29, 2015 14:51
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*makes higher education mandatory for poo poo jobs that pay barely above minimum wage while raising the non-dischargable debt level required to attend college to astronomical levels* "we live in a meritocracy  "
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Jul 29, 2015 14:54
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Cold on a Cob posted:*makes higher education mandatory for poo poo jobs that pay barely above minimum wage while raising the non-dischargable debt level required to attend college to astronomical levels* who is the person in this post
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Jul 29, 2015 14:55
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Tanith posted:is there any fiction out there where this is the case    
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Jul 29, 2015 14:56
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theflyingorc posted:who is the person in this post nobody specific i'm just loling at how hosed university is but seriously student loans should be dischargeable or college fees capped
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Jul 29, 2015 14:57
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- student loan debt can't be discharged by bankruptcy bc all new college grads are basically bankrupt and have very little to lose by declaring it to save a few hundred thousand dollars down the line - student loan interest rates are low compared to normal interest rates. you are typically advised to pay off all other debt before student loan debt bc of this that being said, there should be a time limit at which point bankruptcy discharges student loan debts. if applicable, at least part of that cost should be eaten by the school that happily sold a teenager a $300,000 degree in something useless/unmarketable
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Jul 29, 2015 15:09
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Dixie Cretin Seaman posted:if applicable, at least part of that cost should be eaten by the school that happily sold a teenager a $300,000 degree in something useless/unmarketable iirc after the 2008 economic crash, some graduates filed a class action against their school because of this (mostly leveraging their advertisements claiming 95% job placement rates and the like)
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Jul 29, 2015 15:11
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my other favorite part (to continue this derail), is how schools market, or at the very least tacitly allow students to believe, that you get a diploma to get a job. then, when you find out that your women's studies degree is worthless, they tell you that the purpose of college is to make you a well rounded individual (as if that is worth $100k+)
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Jul 29, 2015 15:12
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ya in the uk you don't start repaying your loan until you're earning £21k+ (depending on when you started uni, it's different for older loans), at which point it comes out of your pretax salary. it gets written off after 25 years no matter what, and you're unlikely to have more than about £40k student debt in the first place even so it's a lovely system and the government's own figures predict that fully half of the loan money will never be repaid. make education free to all imo
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Jul 29, 2015 15:15
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Dixie Cretin Seaman posted:- student loan debt can't be discharged by bankruptcy bc all new college grads are basically bankrupt and have very little to lose by declaring it to save a few hundred thousand dollars down the line My favorite part is the intense marketing and social pressure to make people believe that the "few hundred thousand dollars" even for an ultra-specialized degree isn't completely abhorrent (and that's coming from someone who avoided the trap altogether)
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Jul 29, 2015 15:17
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yea im all for holding schools accountable for their poo poo. the availability of student loan money and the naivete of teenagers means schools have very little incentive to keep costs reasonable, and they compete with each other based on fancy expensive campuses. not to mention the for-profit schools whose degrees are worthless to begin with. poo poo's hosed.
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Jul 29, 2015 15:20
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my kid watches cartoon network and the ads are hilariously bimodal. half are selling toys to children and half are selling life-improvement to man-children. lots of ads for earning college degrees over teh internet (also, baldness treatments lol)
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Jul 29, 2015 15:26
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in germany tutition is like 250 euros per semester
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Jul 29, 2015 15:31
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Stux posted:in germany tutition is like 250 euros per semester you don't even have to go that far, glorious quebec is in the $1250CAD range if you want to stick with the eastern time zone. i think you have to be a citizen to get that rate but canadian citizenship is probably cheaper than u.s. post-secondary education
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Jul 29, 2015 15:33
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univbee posted:you don't even have to go that far, glorious quebec is in the $1250CAD range if you want to stick with the eastern time zone. i think you have to be a citizen to get that rate but canadian citizenship is probably cheaper than u.s. post-secondary education im eu anyway, but the germany price is for both domestic and international students. its basically free and what you do pay is admin costs. obviously u sitll need to pay for ur living etc but it helps make it possible to self fund rather than need loans.
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Jul 29, 2015 15:38
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Stux posted:im eu anyway, but the germany price is for both domestic and international students. its basically free and what you do pay is admin costs. obviously u sitll need to pay for ur living etc but it helps make it possible to self fund rather than need loans. oh right, you're out of the uk and yeah, some of my classmates were working minimum wage part-time jobs (full time during the summer) and completely self-funded their university education here in quebec (as well as their living expenses) and came out of it debt-free
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Jul 29, 2015 15:51
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theflyingorc posted:lol what they're knowingly profiting off what amounts to extortion, so, gently caress 'em also, even "regular" lenders are also typically a blight on society but in most cases an individual has various effective means of recourse. in this case, the only option is to try to cheat their system
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Jul 29, 2015 15:53
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Stux posted:im eu anyway, but the germany price is for both domestic and international students. this is loving insane. why don't - I have to tell my younger cousins this asap I could have studied abroad in Germany for about the same as it cost me to go to uni 15 minutes from my house? and I had a 75% scholarship
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Jul 29, 2015 15:55
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indigi posted:this is loving insane. why don't - I have to tell my younger cousins this asap if you move straight onto a masters at the same university its the same pricing scheme. PHDs are also the same price for the first 6 semesters at least iirc.
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Jul 29, 2015 15:59
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do any other EU countries do that? I'm racist against Germans tbh and would rather recommend my family study somewhere else
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Jul 29, 2015 16:02
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Dixie Cretin Seaman posted:- student loan debt can't be discharged by bankruptcy bc all new college grads are basically bankrupt and have very little to lose by declaring it to save a few hundred thousand dollars down the line sounds like the debt should be bankruptable and the lenders need to make sure they're making good loans imho
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Jul 29, 2015 16:04
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indigi posted:do any other EU countries do that? I'm racist against Germans tbh and would rather recommend my family study somewhere else idk probably but also u suck
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Jul 29, 2015 16:06
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based on my personal belief? hmm sounds like something a Nazi might say
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Jul 29, 2015 16:08
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Krinkle posted:yeah asimov wrote it http://www.mcguiremarks.com/uploads/3/9/7/9/39793909/isaac_asimov-all_the_troubles_of_the_world_(1).pdf it owns Boxturret posted:thradium
jony ive aces fucked around with this message at 16:48 on Jul 29, 2015 |
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Jul 29, 2015 16:21
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jony ive aces posted:http://www.mcguiremarks.com/uploads/3/9/7/9/39793909/isaac_asimov-all_the_troubles_of_the_world_(1).pdf
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Jul 29, 2015 16:25
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thradium
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Jul 29, 2015 16:26
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indigi posted:do any other EU countries do that? I'm racist against Germans tbh and would rather recommend my family study somewhere else yeah lots although not all of them teach in english http://www.studyineurope.eu/tuition-fees Stux posted:also u suck
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Jul 29, 2015 16:27
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indigi posted:this is loving insane. why don't - I have to tell my younger cousins this asap http://www.bbc.com/news/magazine-32821678
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Jul 29, 2015 16:31
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Mr. Apollo posted:There was an article on the BBC website about this back in June. they made that picture look all dirty and it's covered in artifacts, impressive
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Jul 29, 2015 16:33
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i got a free uni education and i work in an international company among people that are in debt because of their degrees from some high-brow universities which turned out to be meaningless because portfolio is all that matters in the architectural industry and nobody cares what you finished as long as you worked on good projects. poo poo is hosed, these people should have been told this before they started their harvard programs, somebody is laughing on his way to the bank at this one
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Jul 29, 2015 16:36
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univbee posted:you don't even have to go that far, glorious quebec is in the $1250CAD range if you want to stick with the eastern time zone. i think you have to be a citizen to get that rate but canadian citizenship is probably cheaper than u.s. post-secondary education American community colleges and profession schools have comparable rates to that, but there is a huge propoganda campaign at every high school trying to convince you that they're worthless.
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Jul 29, 2015 16:38
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big scary monsters posted:yeah lots although not all of them teach in english http://www.studyineurope.eu/tuition-fees holy gently caress, France. what a deal. I might go back to school qu'un sang impur abreuve nos sillons
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Jul 29, 2015 16:42
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Palpek posted:i got a free uni education and i work in an international company among people that are in debt because of their degrees from some high-brow universities which turned out to be meaningless because portfolio is all that matters in the architectural industry and nobody cares what you finished as long as you worked on good projects. I think this is true of most industries: as long as you can foot-in-the-door a single good job (even if it's temporary) and have that as past work experience, your diploma means pretty much gently caress-all
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Jul 29, 2015 16:45
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so does that mean that bitcoiner who gambled away his sister's college fund was doing her a favour?
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Jul 29, 2015 16:50
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Stux posted:if you move straight onto a masters at the same university its the same pricing scheme. PHDs are also the same price for the first 6 semesters at least iirc. who pays for masters and phds anyway though? i guess if you're getting like an mba or something, but otherwise you have to teach classes or do research or both so it's free
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Jul 29, 2015 17:00
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e^^^ really? I know you get a stipend for that stuff but nobody I know actually makes enough off that to cover their expensesjony ive aces posted:so does that mean that bitcoiner who gambled away his sister's college fund was doing her a favour? no because if he made any money off it she would never know indigi fucked around with this message at 17:16 on Jul 29, 2015 |
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Jul 29, 2015 17:08
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fermun posted:who pays for masters and phds anyway though? i guess if you're getting like an mba or something, but otherwise you have to teach classes or do research or both so it's free ppl in germany dont.
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Jul 29, 2015 17:29
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fermun posted:who pays for masters and phds anyway though? i guess if you're getting like an mba or something, but otherwise you have to teach classes or do research or both so it's free indigi posted:e^^^ really? I know you get a stipend for that stuff but nobody I know actually makes enough off that to cover their expenses in the sciences you generally don't pay tuition past the undergraduate degree (if you are willing to teach and/or are doing active research) and you get a stipend that is basically a modest salary. I am sure there are variations and exceptions, but my stipends have always been more than enough to live on.
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Jul 29, 2015 17:34
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DNova posted:in the sciences you generally don't pay tuition past the undergraduate degree (if you are willing to teach and/or are doing active research) and you get a stipend that is basically a modest salary. I am sure there are variations and exceptions, but my stipends have always been more than enough to live on. mine too for chemistry, gf got free tuition and enough stipend to live on in slavic literature too so i know it's not just science
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Jul 29, 2015 17:37
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paying for a masters is not uncommon in the uk, but yeah if you have to pay for your own phd you probably shouldn't be doing a phd in the first place
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Jul 29, 2015 17:38
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