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Bismuth posted:basically, if you're poor and cant pay it off all at once then gently caress you pay a bunch more Isn't it also the case that if you CAN pay it off early, there are laws against it, so you HAVE to pay the interest?
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Samovar posted:Isn't it also the case that if you CAN pay it off early, there are laws against it, so you HAVE to pay the interest? I actually dont know, i just assumed people who could afford it would just pay it off up front
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Sep 30, 2021 10:05
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Not dischargeable by bankruptcy either lol
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Sep 30, 2021 10:43
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Samovar posted:Isn't it also the case that if you CAN pay it off early, there are laws against it, so you HAVE to pay the interest? No but also lol the idea of paying them off early
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Sep 30, 2021 11:28
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We're not perfect, and we used to have free tertiary education (but that was before my time), but in Australia we get loans from the government. They get paid off as part of your tax. Not making enough money to pay tax? Then you're also not making repayments to the loan. There's no interest either, but there is "indexation" based on cost of living. That's currently 0.6%. Lots of things wrong with this stupid country, but that part is pretty good at least.
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Sep 30, 2021 11:35
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I think that tuition in america is also way more expensive than anywhere else. At least I didn't pay poo poo for my bachelors of engineering here in Finland. I think only foreigners need to pay tuition and it's like 4000-18000€ per year or something.
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Sep 30, 2021 11:58
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organburner posted:I think that tuition in america is also way more expensive than anywhere else. Yeah I came over there for work (I used to work for Flowrox, based in Lappeenranta. Their Australian office is in Sydney) and my boss was telling me about the educational system over there. You guys have it right, as well as the heavily subsidised lunches for students. Our head office was near LUT campus and so we used to eat at the cafeteria there. €2 for lunch and it was an all you can eat deal. What a way to live as a student! Comparatively I did a double bachelor's in engineering and business then a master of engineering science and my HECS debt (the one the guy above you mentioned) was like $65k AUD
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Sep 30, 2021 12:02
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bike tory posted:
 
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Sep 30, 2021 13:03
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okay so i googled synapsid and am very confused quote:Today, the 5,500 species of living synapsids, known as the mammals, include both aquatic (whales) and flying (bats) species, and the largest animal ever known to have existed (the blue whale). Humans are synapsids, as well. Most mammals are viviparous and give birth to live young rather than laying eggs with the exception being the monotremes. seems like the memes are coming from the synapsids (humans) themselves?
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Sep 30, 2021 13:22
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Hodgepodge posted:okay so i googled synapsid and am very confused These are referencing the ancient past where the synapsids nearly went extinct and the archosaurs became dominant worldwide. Of course in the long run mammals hung in there and well who's laughing now It's no one because us synapsids are working hard at destroying the earth once and for all but what can you do
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Sep 30, 2021 13:36
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Synapsids dominated in the Permian. Dimetredon was a synapsid. The Great Dying got most of them and left an opening for the dinosaurs and other archosaurs.  Only mammals, therocephalids and cynogaths survived. Therocephalids went extinct in the Middle Triassic. Cynogaths survived more or less till the K–T extinction that finally got rid of those pesky dinosaurs, or at least the non‐avian ones. Mammals have been alone for sixty‐six million years.
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Sep 30, 2021 13:40
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Platystemon posted:Synapsids dominated in the Permian. Dimetredon was a synapsid. Gonna get ya! 
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Sep 30, 2021 13:54
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Humphreys posted:Gonna get ya! Oh gently caress yes, Dino Riders for lyfe. You know Jesus was the original Dino Rider.
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Sep 30, 2021 13:55
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Platystemon posted:Synapsids dominated in the Permian. Dimetredon was a synapsid. hrm. clearly the meteor was just helping us even the score Regy Rusty posted:These are referencing the ancient past where the synapsids nearly went extinct and the archosaurs became dominant worldwide. Of course in the long run mammals hung in there and well who's laughing now leaving us time and space... for revenge on earth itself!
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Sep 30, 2021 14:21
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Hodgepodge posted:
Most memes are created by crabs. 43.2% of internet users are crabs masquerading as humans.
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Sep 30, 2021 14:39
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Regy Rusty posted:destroying the earth once and for all We couldn't do that even if we (explicitly rather than implicitly) tried
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Sep 30, 2021 14:39
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FreudianSlippers posted:Most memes are created by crabs. 
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Sep 30, 2021 14:48
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https://i.imgur.com/lPjsZjU.mp4
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Sep 30, 2021 15:57
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FreudianSlippers posted:Most memes are created by crabs. That's just the evolutionary pressure of carcinization at work 
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Sep 30, 2021 16:09
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Sobatchja Morda posted:I think I might have found my absolute favorite mod for Serious Sam... Same link: https://www.youtube.com/watch?v=zUwDtDPMxq4
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Sep 30, 2021 16:11
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Mr. Lobe posted:That's just the evolutionary pressure of carcinization at work Reminds me of the Krebs Cycle in respiration Krebs, of course, being German for crab
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Sep 30, 2021 16:29
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Reject Carcinization Become Octopus
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Sep 30, 2021 16:31
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Captain Splendid posted:Reminds me of the Krebs Cycle in respiration Yes. 
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Sep 30, 2021 16:38
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https://cdn.discordapp.com/attachments/137312237265092608/893163780807204914/Wake_Me_Up_When_September_Ends.mp4
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Sep 30, 2021 17:01
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Golden Dragon posted:https://cdn.discordapp.com/attachments/137312237265092608/893163780807204914/Wake_Me_Up_When_September_Ends.mp4 
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Sep 30, 2021 17:05
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Sep 30, 2021 17:35
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https://files.catbox.moe/wv0l4q.mp4
repiv has a new favorite as of 18:05 on Sep 30, 2021 |
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Sep 30, 2021 17:43
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Sep 30, 2021 18:06
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Yowza that's a spicy meatball! I love it.
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Sep 30, 2021 18:15
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LMAO
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Sep 30, 2021 18:16
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It wasn't lost! https://www.youtube.com/watch?v=keKbt3dyXhA
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Sep 30, 2021 18:43
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Sep 30, 2021 19:02
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Zzulu posted:What is the interest rate on american student loans? I know a lot of people get "student loans" here in Sweden as well (CSN lån etc) but I rarely hear people bemoan it here. I think the interest rate on a swedish student loan is around 0,05% I took out a $30000 loan to go to a public school and only have $50000 left to pay off.
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Sep 30, 2021 19:16
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Bismuth posted:Depends on if its private or federal. iirc the federal ones are like 3-6% and the private can be upwards of 15%, and there are fees that are also a percentage And you'll be happy to know grad loans can be another 3-5% on top of that. It's been more responsible for me to pay my student loans for interest avoidance than my credit union credit card.
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Sep 30, 2021 19:26
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Glory to Italia!
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The University of Iceland requires a "registration fee" of about 600 bucks per year but if you're in a union (almost everyone is) and fill out a few papers the union will repay you anywhere between 25% and 90% of the registration fee depending on the size of the union and what field you're trying to study. A teacher's union will reimburse you more if you're studying something teaching related, or something related to whatever you're teaching, and less for studying something unrelated and so on and so forth But that's the state run university the other private universities cost a lot more and unions pay less of the their tuition back meaning unless you have rich parents you probably need to get a student loan which pays the tuition and provides just about enough money per year to scrape by, assuming you're eating noodles everyday and live in cheap student accommodation or with your parents otherwise it's not enough, if you work alongside school they decrease your money and if you do more then a couple months minimum wage per year they cut you off entirely. Bad by Nordic standards but hey at least it isn't as bad as America.
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Sep 30, 2021 19:42
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In California prior to the 1970s there was no tuition for California residents attending a state higher education institution, which includes everything from a city college vocational school to Berkeley or UCLA. From the 70s to the early 90s (thanks, Reagan, you gently caress!) there was tuition, but it was still a pittance. I did the math once and you could indeed pay for a year of college by working a part-time summer job like the boomers are always saying -- 20 hours a week at minimum wage for 3 months would do it. Now of course it's ridiculous; while a California resident will "only" have to pay about 12k a year for Berkeley, that's still a year of full-time minimum wage and that's loving unconscionable. (and an out-of-state student will pay nearly four times as much lmao) It's always been pulling up ladders all along Sagebrush has a new favorite as of 19:53 on Sep 30, 2021 |
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Sep 30, 2021 19:48
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i'll thank you not to laugh at me for being born into a debtor's prison tyvm
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Sep 30, 2021 20:00
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rodbeard posted:I took out a $30000 loan to go to a public school and only have $50000 left to pay off. I'm jealous of that strawman
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Sep 30, 2021 20:08
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Did you guys ever consider having rich parents?
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Sep 30, 2021 20:13
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zoux posted:Did you guys ever consider having rich parents? Yeah but it was too late
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Sep 30, 2021 20:20
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