College/School Loans

[El Jefe]

Alright, who else has them, and how much do you owe. My fiance is going to have to take out loans for this semester and all of next year, and just for her school we will have at least 15k to pay back :( Now considering that total amount is for 4 years at a very Prestigious Nursing school in our area it's really not bad, but that's the amount even with her 3.9gpa and all her scholarships. Ideally we would like for her to work for a couple years, so hopefully we can pay them back in that time.

My school plans have had to once again be put on hold, oh well I guess, it's depressing how much school costs. I really would like to keep taking classes, but financially it just wont do currently. It's funny the kids who don't care about school get their parents to pay for it, and those who want to go to school cant pay for it. Yes I know there are student loans, currently I cannot get enough to cover my schooling and hers.

[Pants]

Pell Grants?

[loochy]

$0 in loans ftw

[tooge]

well, you asked. I've been out of postgraduate school (dental) for 18 years, and I STILL am paying on my loans. I have about 40K and change left. You dont even want to know what I started with.

[rageeumr]

I got paid to go to school my first year. Then I got a 3.3ish GPA and lost a big scholarship that required a 3.5. My parents had bought me a brand new Firebird with my college fund, so I took out some loans. Ended up with just over $20k in loans when it was all said and done. I graduated in December of 2003 and I have it almost exactly halfway paid off.

Consolidated the loan immediately after graduation and locked the rate at 2.625%, so it's really not that big of a deal. What's crazy is the default loan period is like 30 years.

[O.city]

250,000.... Thats what 4 years of dental school got me

[El Jefe]

Pell Grants?

For me? Well I still live at home, and for some stupid reason or other I am still considered a dependent. Apparently they raised the age from 23 to 24, or my school was mistaken the first time they told me. So I am not able to get hardly anything, I pay 100% out of pocket.

For her she has tons of scholarships, and gets some pell grant money, but this school is very expensive. It sure will look good on her resume, and it could have been much worse, but it's still a little chunk of change lol.

[tooge]

250,000.... Thats what 4 years of dental school got me

Holy shit. Mine was half that. Where did you go? I've heard more recent grads bitching about the cost, but that is ridiculous.

[El Jefe]

well, you asked. I've been out of postgraduate school (dental) for 18 years, and I STILL am paying on my loans. I have about 40K and change left. You dont even want to know what I started with.

Yeah, but im sure you are making cheddar though.

[tooge]

Yeah, but im sure you are making cheddar though.

When you're makin cheddar, it still sucks to be paying for Brie

[QuikSsurfer]

Around $26,000 -- I was a fool and never made any payments, towards interest, while in school.
I pay $200 a month towards it right now. Eventually, I'll increase the amount and maybe I'll get it paid off by the time I'm 50.

[El Jefe]

250,000.... Thats what 4 years of dental school got me

Lord have Mercy! I bet you make 6 figures a year at least though. Being a Dr/Dentist/Lawyer(not pro bono) you will easily make that money back.

[Iowanian]

If she's going to 4yr nursing school, there is no reason she can't get her RN at 2yrs and work while going to school.

[El Jefe]

Ohh man my buddy went to ONU for computer engineering, and he came out with a whopping 100k, he pays 750 a month, I don't know how he does it (obviously he makes good money, but still).

[Saulbadguy]

Owe about 10k on my wifes school.

[El Jefe]

If she's going to 4yr nursing school, there is no reason she can't get her RN at 2yrs and work while going to school.

Their platform doesn't really work like that. Now that being said you can work for the Hospital (the school is through) and get half your tuition paid. Currently she has been applying on every floor for the past year and still not had a shot. So she only has one more year left and she's done thankfully.

[suds79]

0 for my wife and I. Feels pretty good.

We're on this zero debt kick and just have the house. Unfortunately, it'll be a long time before we can say that's gone.

[Iowanian]

It sounds like a silly platform.


I know someone who got a cna in HS, worked in one of those jobs until she got her RN, worked as an RN through the completion of 4yr, and then as BSN through masters classes.

Maybe its' different there, but I can think of at least 5 cousins and 3 other direct relatives in some segment of a similar path to the above. Some didn't go beyond the RN though.

As long as the school is good enough to pass their boards, unless someone is going to try to be a nurse anesthetist or something higher.....where is the advantage to a "really good, expensive school" in that profession? Nurses are in high demand.


As for my loans, I think I was around $30k in the hole when I got out. I paid extra on the smallest loan, when it was paid off put all of that onto the 2nd smallest and so on. Paid off the 20 year notes in 9 doing that.

['Hamas' Jenkins]

If she's going to 4yr nursing school, there is no reason she can't get her RN at 2yrs and work while going to school.

She'd have to go to a different school.

If you go to a four year they won't give you an ADN after two years

She could sit for her LPN boards.

[El Jefe]

She'd have to go to a different school.

If you go to a four year they won't give you an ADN after two years

She could sit for her LPN boards.

Exactly right. At this point it's useless for her to sit for her LPN when she will graduate with her BSN in a year.

[The Bad Guy]

Have about 18k and the wife has 15k. After my 5th year at a low-income school district, I'm eligible to get debt forgiveness on my loans.

['Hamas' Jenkins]

That's a pretty awesome deal TBD. Good way to pay you back for service, and the system gets something out of it as well. Props.

[Dunit35]

26k for 324 a month. I'll probably consolidate all of them but my private loan. Guess it depends on how long it takes me to get a career and how much I make

[El Jefe]

Have about 18k and the wife has 15k. After my 5th year at a low-income school district, I'm eligible to get debt forgiveness on my loans.

Ok I am not going to ask you how much you make, but my cousin has her MBA and teaches high school Lit, and she makes about 30k at a low income high school in Seattle, just sad.

[Lono]

Have about 18k and the wife has 15k. After my 5th year at a low-income school district, I'm eligible to get debt forgiveness on my loans.

This is only true if you teach, Math, Science, or Special Education. All other subjects is 5k i believe after 5.

[El Jefe]

26k for 324 a month. I'll probably consolidate all of them but my private loan. Guess it depends on how long it takes me to get a career and how much I make

Ouch.

[Saul Good]

Ok I am not going to ask you how much you make, but my cousin has her MBA and teaches high school Lit, and she makes about 30k at a low income high school in Seattle, just sad.

My wife has the same deal, but she makes considerably more than that, and she doesn't have her Masters yet.

[DaKCMan AP]

$0 in loans ftw

This. Was able to get my BS/MS in EE without loans and glad I'm currently able to finance my MBA without any loans or dipping into savings.

[Misplaced_Chiefs_Fan]

For two years undergrad and 1 year grad - $7500 in student loans

Army Loan Forgiveness Program - 4 year enlistment. (Plus automatic promotions for college degree).

I think it worked out pretty well.

[Misplaced_Chiefs_Fan]

This is only true if you teach, Math, Science, or Special Education. All other subjects is 5k i believe after 5.

I think The Bad Guy is teaching in PA. The rules could be different than Missouri's.

Missouri is notoriously a cheap state when it comes to paying teachers. I was offered a full-time teaching position (teaching 4th Grade) at a mid-Missouri school. I joined the Army because an E-4 in 1984 made more a month than a teacher.

Sad, ain't it.

[Lono]

I think The Bad Guy is teaching in PA. The rules could be different than Missouri's.

Missouri is notoriously a cheap state when it comes to paying teachers. I was offered a full-time teaching position (teaching 4th Grade) at a mid-Missouri school. I joined the Army because an E-4 in 1984 made more a month than a teacher.

Sad, ain't it.

Aww ok, yeah didn't think about him being out of Mo. Yeah, teachers don't make jack. I didn't go into it thinking I'd be rich. Enjoying my job and not hating getting up going to work everyday makes up for it to me.

[Misplaced_Chiefs_Fan]

Aww ok, yeah didn't think about him being out of Mo. Yeah, teachers don't make jack. I didn't go into it thinking I'd be rich. Enjoying my job and not hating getting up going to work everyday makes up for it to me.

That's why I'm starting my Master's this fall (finally). I hope to do some Adjunct Faculty at the local CC after graduation. Course, my department chair is already after me to go into the Doctorial program . . . not so sure about that.

Yeah, I found it weird. I had a History Degree (40 hours), but wasn't qualified to teach HS in Missouri.

A History Education major had 6 hours History, 6 hours Sociology, 6 hours Political Science and 45 hours of Education. THEY were qualified to teach History. *sigh*

To get the teaching assignment, I would have had to agree to go back to school in the summers to get my teaching certificate. I'd been teaching there (and six other schools) for almost five months as a substitute, so they knew I could teach - I just didn't have that certificate to be a "real" teacher.

[Bugeater]

I paid for my first quarter of school out of my pocket, and I applied for student loans before my second quarter. Then two weeks into my second quarter, a job that I wasn't expecting fell into my lap so I ended up borrowing more than I really need. It's nice to have the extra cushion though.

I haven't decided whether or not I'm going to finish out my associate's degree, it seems a bit pointless at this stage of my life. I'll probably end up 3-5K in debt by the time I'm done depending on how much longer I go.

[R8RFAN]

Unless I lose all my money between now and when the offsprung goes to college, I plan on paying for it... Wait for it....





Wait for it

















wait for it...












CASH!

[Demonpenz]

It's a hard knocks life for us..... it's a hard knocks us instead of hugs we get kicked

[Demonpenz]

Boom shake shake the room

[Stewie]

It's insane what people pay for a degree these days. My first year of college in the 80s was at a private school. It was $1100/semester. I then transferred to KU and it was $388/semester + room/board made it about $1800. The return on an education back then was well worth it, but c'mon. Tens of thousands in debt for a BS degree? If you can't afford college get a job with a company with tuition reimbursement. I'm pretty sure the company that hires you out of college isn't going to pay your loan, but they'd pay your tuition.

[R8RFAN]

It's insane what people pay for a degree these days. My first year of college in the 80s was at a private school. It was $1100/semester. I then transferred to KU and it was $388/semester + room/board made it about $1800. The return on an education back then was well worth it, but c'mon. Tens of thousands in debt for a BS degree? If you can't afford college get a job with a company with tuition reimbursement. I'm pretty sure the company you get a job with out of college isn't going to pay your loan, but they'll pay your tuition.


^Listen to this man....

[The Bad Guy]

This is only true if you teach, Math, Science, or Special Education. All other subjects is 5k i believe after 5.

Yep I'm a special ed.teacher.

[13and3]

Got a degree in A.A.S. in industrial electrical maintenance from the metropolitan community college. Had 18,000 in student loans when I finished. Got a job with a union contractor at a power house grosin a 100k year, paid off the loan in the first year at the job.

[Bearcat]

It's insane what people pay for a degree these days. My first year of college in the 80s was at a private school. It was $1100/semester. I then transferred to KU and it was $388/semester + room/board made it about $1800. The return on an education back then was well worth it, but c'mon. Tens of thousands in debt for a BS degree? If you can't afford college get a job with a company with tuition reimbursement. I'm pretty sure the company that hires you out of college isn't going to pay your loan, but they'd pay your tuition.

Every employer I've had that's offered tuition reimbursement capped it around $3000/year. I don't know why any company would hire someone with a HS diploma and pay for 100% of their tuition when there are plenty of college grads to choose from. And as far as the OP, $15,000 in debt for a very good nursing school doesn't seem bad at all (based on 10 seconds of researching via Googling 'nursing salaries').

I see a lot of discussion about the value of a college degree, especially in my field (IT).... I have about $30,000 in student loan debt, and at this point in my career it doesn't bother me at all. I'd do it all again and not think twice about it.

[Dunit35]

I did save up enough last year to avoid taking a loan out for this year. Ended up paying 350 for both semesters after grants kicked in. I'll settle with 26k in SL debt. Two loans are 100 a month for five years. The rest is for 10. Probably going to have to consolidate all my loans but the sallie Mae. Pay extra when I can.

[WV]

Every employer I've had that's offered tuition reimbursement capped it around $3000/year. I don't know why any company would hire someone with a HS diploma and pay for 100% of their tuition when there are plenty of college grads to choose from. And as far as the OP, $15,000 in debt for a very good nursing school doesn't seem bad at all (based on 10 seconds of researching via Googling 'nursing salaries').

I see a lot of discussion about the value of a college degree, especially in my field (IT).... I have about $30,000 in student loan debt, and at this point in my career it doesn't bother me at all. I'd do it all again and not think twice about it.

Didn't you know....they're handing great jobs offering tuition reimbursement out like candy?

[R8RFAN]

Got a degree in A.A.S. in industrial electrical maintenance from the metropolitan community college. Had 18,000 in student loans when I finished. Got a job with a union contractor at a power house grosin a 100k year, paid off the loan in the first year at the job.

I heard the rule of thumb should be that your total student loan should not exceed the cost of the first year salary of the job.

[|Zach|]

When you're makin cheddar, it still sucks to be paying for Brie

Haha.

[|Zach|]

UPS has day one college help.

[vailpass]

Only thing worse than student loans is not getting an education because you didn't want to take one out.

[DTLB58]

http://www.amazon.com/Debt-Free-Outstanding-Education-Scholarships-orMooching/dp/1591842980

[QuikSsurfer]

It's insane what people pay for a degree these days. My first year of college in the 80s was at a private school. It was $1100/semester. I then transferred to KU and it was $388/semester + room/board made it about $1800. The return on an education back then was well worth it, but c'mon. Tens of thousands in debt for a BS degree? If you can't afford college get a job with a company with tuition reimbursement. I'm pretty sure the company that hires you out of college isn't going to pay your loan, but they'd pay your tuition.

In 2001, I attended Millsaps for my first year... It was 12k per fulltime semester... fuckin insane

edit: I'm sure that's nothing compared to a lot other private schools.. Belhaven was just across the street basically -- they were a bit more per hour. Both are in Jackson, MS -- in the middle of the hood jigga

[SAUTO]

Yep I'm a special ed.teacher.

I know I have said this before but special needs parents appreciate people like you.
Posted via Mobile Device

[Valiant]

I worked full time and went to school part time while going to school.. No loans to pay off.. And my work will pay up to 7500 a semester for my Masters if they approve the degree..

[mounged]

Still owe $12,000 from grad school in 1997. Money being an issue have not always paid on it, but have been in good standing for over a year now. Hope to have it paid by 65

[healthpellets]

the wife and i combined owe 150k.

let me give a free piece of advice: a private school means absolutely nothing unless it's a top 10 school. nothing.

go public, go cheap. the same opportunities await if you excel.

[eazyb81]

A little under $150k, a small portion of which is attributable to my wife's undergrad. I pay over $1000 a month on my loans. Sucks. It was worth it though.

[Jenson71]

I think it will be about 130K after I graduate in 2013. I'm going to live off my girlfriend for a few years.

[Gracie Dean]

too frikin much for 2 bachelor's degrees and a master

[R8RFAN]

I feel inferior to you guys...

I have a GED and a Commercial Drivers License and Drive a truck along a small side business and I make over 100k per year...

You boys must be knocking down some serious coin for those big time fancy city boy educations...

[Bearcat]

I have a GED and a Commercial Drivers License and Drive a truck along a small side business and I make over 100k per year...


You should mention that more often.

[R8RFAN]

You should mention that more often.

Never told anyone how much I make.... or that I had a small gig on the side... :thumb:

[Spott]

Damn, after seeing some of these posts I'm glad I never considered getting a school loan was when I was going to college.

[kchero]

Im at 160k and I still have another year left.....FML

[R8RFAN]

Im at 160k and I still have another year left.....FML

DAAYUM... What kind of salary can you expect from that per yer after you get finished.

[yeti]

I'm estimating at about 200K by this time next year when I graduate. 4 years of dental school (with in-state tuition too). Undergrad was free and clear thank goodness.

[HoneyBadger]

Never told anyone how much I make.... or that I had a small gig on the side... :thumb:

Well you can make that much, when your "small gig" is selling crack.

[R8RFAN]

Well you can make that much, when your "small gig" is selling crack.

Man thats funny as hell, whats that burning in your avatar? Your meth operation?LMAO

[eazyb81]

I feel inferior to you guys...

I have a GED and a Commercial Drivers License and Drive a truck along a small side business and I make over 100k per year...

You boys must be knocking down some serious coin for those big time fancy city boy educations...

Most people go to school because they don't want to drive a truck for 40+ years.

[R8RFAN]

Most people go to school because they don't want to drive a truck for 40+ years.

Shoot yea, I don't blame em... I would rather go to school and get about 100k in student loans for a 40k a year job any day than drive a 2010 Volvo with leather seats , cruise, tilt, air, cd, sat radio... for 80k a year...


I SEE YOUR POINT :thumb:

[phisherman]

Shoot yea, I don't blame em... I would rather go to school and get about 100k in student loans for a 40k a year job any day than drive a 2010 Volvo with leather seats , cruise, tilt, air, cd, sat radio... for 80k a year...


I SEE YOUR POINT :thumb:

but what if i told you that i had no student loans to pay off and had that 80k a year job?

[R8RFAN]

but what if i told you that i had no student loans to pay off and had that 80k a year job?

I would say you are a smart man and congratulations to you. :thumb:

[eazyb81]

Shoot yea, I don't blame em... I would rather go to school and get about 100k in student loans for a 40k a year job any day than drive a 2010 Volvo with leather seats , cruise, tilt, air, cd, sat radio... for 80k a year...


I SEE YOUR POINT :thumb:

Who said they are making 40K a year with 100K in loans? Are you just making an assumption?

And no offense, but bragging about your 80K a year truck driving job is one of the most unintentionally hilarious things i've read on here in awhile.

[R8RFAN]

Who said they are making 40K a year with 100K in loans? Are you just making an assumption?

And no offense, but bragging about your 80K a year truck driving job is one of the most unintentionally hilarious things i've read on here in awhile.

Thats cool, I don't mind if you find what I do for a living hilarious.....
It pays the bills and I am happy....

Now run along to your cubicle farm girly man LMAO

[eazyb81]

Thats cool, I don't mind if you find what I do for a living hilarious.....
It pays the bills and I am happy....

Now run along to your cubicle farm girly man LMAO

Obviously you do care what others think, because you are so insecure about not having a degree that you took the time to brag in a thread about student loans that you make 80K as a truck driver. If you didn't care you wouldn't have posted.

[Saulbadguy]

I feel inferior to you guys...

I have a GED and a Commercial Drivers License and Drive a truck along a small side business and I make over 100k per year...

You boys must be knocking down some serious coin for those big time fancy city boy educations...

Yeah, but you are a dumbass. That's no way to go through life.

[phisherman]

I would say you are a smart man and congratulations to you. :thumb:

more like cheap and lucky. i do like to think that i'm of above average intelligence, though a few here may disagree. :evil:

[R8RFAN]

Obviously you do care what others think, because you are so insecure about not having a degree that you took the time to brag in a thread about student loans that you make 80K as a truck driver. If you didn't care you wouldn't have posted.

I do care what others think, especially those sensitive girly man types that have those soft hands that sit in a cubicle and stare at a computer screen all day...

Look homeslice, don't get pissed at me because you sit 10 hours a day inside, we got lots of you cubicle dwellers out here trying to be a truck driver now since your job is going to some woman in India for a bag of rice a month...

Love life, enjoy what you do... I do

[Saulbadguy]

I do care what others think, especially those sensitive girly man types that have those soft hands that sit in a cubicle and stare at a computer screen all day...

Look homeslice, don't get pissed at me because you sit 10 hours a day inside, we got lots of you cubicle dwellers out here trying to be a truck driver now since your job is going to some woman in India for a bag of rice a month...

:LOL:

[R8RFAN]

more like cheap and lucky. i do like to think that i'm of above average intelligence, though a few here may disagree. :evil:

You are a helluva lot smarter than these Cubicle dwellers here....
You got something they don't, it's called common sense .

If you are going to be a Lawyer, Dentist, Doctor... Yea 100k is warranted, you will get it back...

If you are going to be a Cubicle Dweller, Teacher, Chef, ... ya might ought to take a few classes at the community college and get the hell on with your life. LMAO

[Hootie]

R8ers

you've done really well for yourself considering how unintelligent you are...congrats

and if you are intelligent, you certainly don't conduct yourself that way on this board

Just saying...

[R8RFAN]

R8ers

you've done really well for yourself considering how unintelligent you are...congrats

and if you are intelligent, you certainly don't conduct yourself that way on this board

Just saying...

I just say whats on my mind man, you either like me or not but I am not gonna sugar coat or kiss anybody's ass here when I see a problem on the horizon, I try to warn, if one person heeds that warning then the job is a success..

If being intelligent means I have to go up to my ass in debt, I think I will just stay the dumb ol country boy I am....

[Hootie]

that's cool

maybe you like driving trucks...if so, you've done quite well for yourself

maybe these people racking up a lot of debt like education...and maybe they will end up really liking their jobs and the debts will be worth it

maybe they won't

who knows?

but just because something works for you and makes you happy doesn't mean it will work for everyone

[Saulbadguy]

that's cool

maybe you like driving trucks...if so, you've done quite well for yourself

maybe these people racking up a lot of debt like education...and maybe they will end up really liking their jobs and the debts will be worth it

maybe they won't

who knows?

but just because something works for you and makes you happy doesn't mean it will work for everyone
Yeah, no offense to truck drivers, but i'd rather have student loans and work at a job that requires me to use my mind once in awhile.

[R8RFAN]

Yeah, no offense to truck drivers, but i'd rather have student loans and work at a job that requires me to use my mind once in awhile.

Oh cool, tell me what kind of job you have... Nasa?

[R8RFAN]

that's cool

maybe you like driving trucks...if so, you've done quite well for yourself

maybe these people racking up a lot of debt like education...and maybe they will end up really liking their jobs and the debts will be worth it

maybe they won't

who knows?

but just because something works for you and makes you happy doesn't mean it will work for everyone

Some will, most will be miserable for the next 10 yrs + because they are behind the 8 ball dragging that ball and chain student loan.

Oh I love pulling those double trailers for Fedex, they are a good company.... Hell, go take a few classes and come on over and be my boss so I can make 20k more a year than you :)

[R8RFAN]

Yeah, no offense to truck drivers, but i'd rather have student loans and work at a job that requires me to use my mind once in awhile.

Oh and just a side note.... Hug the wife and kids when they get home because when she was swatting at them or wiping their noses doing 70 down the interstate, some truck driver was thinking of how long it would take him to stop when she did something stupid.


I would call that thinking.

[eazyb81]

I do care what others think, especially those sensitive girly man types that have those soft hands that sit in a cubicle and stare at a computer screen all day...

Look homeslice, don't get pissed at me because you sit 10 hours a day inside, we got lots of you cubicle dwellers out here trying to be a truck driver now since your job is going to some woman in India for a bag of rice a month...

Love life, enjoy what you do... I do

Who is pissed? Everyone is laughing at you.

You came into a thread about student loans and decided you needed attention, so you made an awkward post bragging about being a truck driver and acting like $80K a year was ballin' out of control.

Just like all of your posts on here, you show very poor reasoning and critical thinking skills, relying instead on assumptions and personal theories. You probably made a good decision to not pursue higher education.

It obviously makes you feel better to think everyone that has student loans makes crap money, hates their life, and dreams about living debt-free in a trailer park like you do.

[R8RFAN]

Who is pissed? Everyone is laughing at you.

You came into a thread about student loans and decided you needed attention, so you made an awkward post bragging about being a truck driver and acting like making $80K a year was ballin' out of control.

Just like all of your posts on here, you show very poor reasoning and critical thinking skills, relying instead on assumptions and personal theories. You probably made a good decision to not pursue higher education.

It obviously makes you feel better to think everyone that has student loans makes crap money, hates their life, and dreams about living debt-free in a trailer park like you do.

You are making assumptions girlyman

I bet you don't have a pot to piss in... But it's not my fault, I did not tell you to rack up 100k in the arts in college....

Now gimme my damn fries bitch.

[Saulbadguy]

Oh and just a side note.... Hug the wife and kids when they get home because when she was swatting at them or wiping their noses doing 70 down the interstate, some truck driver was thinking of how long it would take him to stop when she did something stupid.


I would call that thinking.

:LOL:

[Saulbadguy]

Oh cool, tell me what kind of job you have... Nasa?

Close enough.

[Bearcat]

R8ers has it all figured out. ROFLLMAO


It's not hard to figure out a lot of 'cubicle dwellers' have more to live for than money, which is why they care less about their student loans and what you make while driving a truck all day, and more about the opportunities they gain from years of school.

I couldn't be happier or live much more comfortably than I do now with my sub-100k/yr job and $30,000 in student loan debt (and I'm buying a house soon... oh noes!!). If driving a truck all day with more money than you can spend in your back pocket makes you happy, more power to you, but you could at least try gaining a little perspective on something you clearly don't understand, instead of making retarded generalizations and acting like you have it all figured out...... oh wait, this is CP, where trolling trumps intelligent conversation every time. :doh!:

[R8RFAN]

R8ers has it all figured out. ROFLLMAO


It's not hard to figure out a lot of 'cubicle dwellers' have more to live for than money, which is why they care less about their student loans and what you make while driving a truck all day, and more about the opportunities they gain from years of school.

I couldn't be happier or live much more comfortably than I do now with my sub-100k/yr job and $30,000 in student loan debt (and I'm buying a house soon... oh noes!!). If driving a truck all day with more money than you can spend in your back pocket makes you happy, more power to you, but you could at least try gaining a little perspective on something you clearly don't understand, instead of making retarded generalizations and acting like you have it all figured out...... oh wait, this is CP, where trolling trumps intelligent conversation every time. :doh!:

Well I hope you do good, I really do, I am really just sniping all those anti- Blue collar types...

I could not sit in a cubicle all day.... More power to ya

[R8RFAN]

Close enough.

I bet you are customer service, you have a pissy attitude....

[Saulbadguy]

I bet you are customer service, you have a pissy attitude....

WRONG AGAIN!

[R8RFAN]

WRONG AGAIN!

I bet you have a helluva student loan then, you have to have to be as pissy as you are LMAO

[Bearcat]

Well I hope you do good, I really do, I am really just sniping all those anti- Blue collar types...

I could not sit in a cubicle all day.... More power to ya

It's a big adjustment... I was a server & busboy in high school/college, and drove around the city delivering packages seasonally during college (then full time right after :banghead: ). The one piece of advice I'd give to anyone making that adjustment would be to make sure you'll have enough work and that you'll really, really enjoy what you're doing before moving to a cubicle... because if you're bored or don't like it, it can be pretty excruciating... especially on a day like today, when there's a big parade downtown, CBB to watch, and it's 75 outside for the first time in 4-5 months.

[eazyb81]

You are making assumptions girlyman

I bet you don't have a pot to piss in... But it's not my fault, I did not tell you to rack up 100k in the arts in college....

Now gimme my damn fries bitch.

:facepalm:

So am I a cubicle dweller or do I work at a fast food restaurant?

Jesus you are seriously a ****ing idiot.

And getting into a dick sizing contest about money is not a road you want to go down. Not to mention it is lame as hell.

[Saulbadguy]

I bet you have a helluva student loan then, you have to have to be as pissy as you are LMAO

I owe nothing in student loans for my education. As previously posted in this thread, I owe slightly under $10,000 for my wifes education.

[R8RFAN]

I owe nothing in student loans for my education. As previously posted in this thread, I owe slightly under $10,000 for my wifes education.

Then wtf are you so anal about anal boy?

[R8RFAN]

:facepalm:

And getting into a dick sizing contest about money is not a road you want to go down. Not to mention it is lame as hell.

Yea I do.... Bring it Biatch!

[chopper]

Since 4 or 5 years of new experiences, new friends, introducing the mind to new ideas, etc. doesn't pay the bills it must be worthless. There are plenty of people saddled with huge student loan debt that wouldn't trade any of it if it meant giving up the college life. Yeah 10 years later they're mad that they haven't paid it off, but if they really think about it, will say that it was well worth it.
Posted via Mobile Device

[R8RFAN]

Since 4 or 5 years of new experiences, new friends, introducing the mind to new ideas, etc. doesn't pay the bills it must be worthless. There are plenty of people saddled with huge student loan debt that wouldn't trade any of it if it meant giving up the college life. Yeah 10 years later they're mad that they haven't paid it off, but if they really think about it, will say that it was well worth it.
Posted via Mobile Device

Honest people are cool :thumb:

[kchero]

DAAYUM... What kind of salary can you expect from that per yer after you get finished.

It is my Pharm D. so I am looking at around 120K + depending if I do a residency afterwards or not. So it has a high earnings potential, but with that interest building, future family in the works, etc. (as a few on here can vouch for). I hate to say, but that salary can be stretched thin.

[DJ's left nut]

I came out of undergrad with a pretty solid lump sum in my bank account...

Post-Grad cost me about $24K in debt and the entirety of said lump sum. I think at this point I'm down to around 18K and we're blasting the hell out of the unsubsidized stuff (interest rate is around 6% on it...). It'll be gone in 6-8 yrs, I'd imagine.

Wife's nursing degree cost her a bit, but she got offered a scholarship when she went in that covered everything if she worked at the University for 3 years afterward. If she didn't, she'd have to pay it back, pro-rated for whatever time she worked at the university, w/ no penalty. So even then it was far better than any promissory note we could've taken out and it guaranteed her a job after graduation. That was a sweet deal. She also gets (I believe) a 70% discount on her Masters hours by working for MU.

All told, she's essentially going to get her RN and her APRN (Nurse Practitioner) for a couple grand. I suppose I should thank the noble taxpayers of Missouri for floating that particular note...

[R8RFAN]

It is my Pharm D. so I am looking at around 120K + depending if I do a residency afterwards or not. So it has a high earnings potential, but with that interest building, future family in the works, etc. (as a few on here can vouch for). I hate to say, but that salary can be stretched thin.

Wow... You are a brain though, you will do great :thumb: good luck to you.

[R8RFAN]

I came out of undergrad with a pretty solid lump sum in my bank account...

Post-Grad cost me about $24K in debt and the entirety of said lump sum. I think at this point I'm down to around 18K and we're blasting the hell out of the unsubsidized stuff (interest rate is around 6% on it...). It'll be gone in 6-8 yrs, I'd imagine.

Wife's nursing degree cost her a bit, but she got offered a scholarship when she went in that covered everything if she worked at the University for 3 years afterward. If she didn't, she'd have to pay it back, pro-rated for whatever time she worked at the university, w/ no penalty. So even then it was far better than any promissory note we could've taken out and it guaranteed her a job after graduation. That was a sweet deal. She also gets (I believe) a 70% discount on her Masters hours by working for MU.

All told, she's essentially going to get her RN and her APRN (Nurse Practitioner) for a couple grand. I suppose I should thank the noble taxpayers of Missouri for floating that particular note...
Thats a sweet deal
You two will be rolling in the dough if you don't get far in debt at the start...

[Saulbadguy]

Then wtf are you so anal about anal boy?

Nothing. Just pointing out your lesser qualities, which there are many.

[CrazyPhuD]

the wife and i combined owe 150k.

let me give a free piece of advice: a private school means absolutely nothing unless it's a top 10 school. nothing.

go public, go cheap. the same opportunities await if you excel.

To a degree this...but not always top 10 overall, top 10 in your field is what counts.

Grades only matter for the first job(or grad school), but where you go...IF it's elite will follow you around forever. Why? Because training you can always find....talent is hard to find and odds are good if you went to an elite school, you will have talent. Doesn't mean that not going to elite school means you don't have talent. But if I have a limited number of interview slots, I'm going to interview the candidate from the elite school over the non-elite school 9 times out of 10(unless something else really stands out).

I was lucky my parents could afford to send me to college with zero debt and they paid for my undergrad, but I paid for my grad school(well my professor did).

One other way into an elite school is to do very well in a public school and then go to grad school for an elite school. Note if you're talking elite you will need at least a 3.7 GPA in undergrad to even be considered. I was lucky in that I stayed at the same school so my 'average' GPA didn't matter too much, my professors knew I was smart...I just drank too much as an undergrad! :D

[R8RFAN]

Nothing. Just pointing out your lesser qualities, which there are many.

Well it's not like you are lacking in that department either...
So what do you do for a living anyway? I won't pick on you.

[kchero]

Wow... You are a brain though, you will do great :thumb: good luck to you.

Thanks for the kind words. I do appreciate the CP love

[Bearcat]

Since 4 or 5 years of new experiences, new friends, introducing the mind to new ideas, etc. doesn't pay the bills it must be worthless. There are plenty of people saddled with huge student loan debt that wouldn't trade any of it if it meant giving up the college life. Yeah 10 years later they're mad that they haven't paid it off, but if they really think about it, will say that it was well worth it.
Posted via Mobile Device

I certainly wouldn't wish away my student loan debt if it meant taking away college, or the experiences while traveling and working overseas (mostly on the company's dime). I'll take my $30,000+ in debt and my monthly bills that are 75% interest (ok, that part kind of sucks, heh) if it means a company will pay for me to be in Thailand for a month or Europe for a few weeks at a time, etc.

[chopper]

Exactly, bearcat. College is such a formiddable time in a person's life. I don't know who I would be today if I didn't go, or even if I went to a different school. Best decision I've ever made was to go to college. I may be a cubicle farmer now, but I've also seen a lot of the usa on the company dime since I started working. But someone whose never been on a commercial airplane wouldn't care about actually having experiences in life would they?
Posted via Mobile Device

[R8RFAN]

Exactly, bearcat. College is such a formiddable time in a person's life. I don't know who I would be today if I didn't go, or even if I went to a different school. Best decision I've ever made was to go to college. I may be a cubicle farmer now, but I've also seen a lot of the usa on the company dime since I started working. But someone whose never been on a commercial airplane wouldn't care about actually having experiences in life would they?
Posted via Mobile Device

Each to their own dude, I don't like planes, you don't like money... No big deal

[Omaha]

Alright, who else has them, and how much do you owe. My fiance is going to have to take out loans for this semester and all of next year, and just for her school we will have at least 15k to pay back :( Now considering that total amount is for 4 years at a very Prestigious Nursing school in our area it's really not bad, but that's the amount even with her 3.9gpa and all her scholarships. Ideally we would like for her to work for a couple years, so hopefully we can pay them back in that time.

My school plans have had to once again be put on hold, oh well I guess, it's depressing how much school costs. I really would like to keep taking classes, but financially it just wont do currently. It's funny the kids who don't care about school get their parents to pay for it, and those who want to go to school cant pay for it. Yes I know there are student loans, currently I cannot get enough to cover my schooling and hers.

With the Hope/Lifetime Learning/American Opportunity tax credits that are available, you may be able to school for much less than you may think. Maybe nothing.

[DJ's left nut]

Each to their own dude, I don't like planes, you don't like money... No big deal

Again - who the fuck yanked your chain?

I get it, you drive a truck and make bank; bully for you.

The next time someone starts a thread asking about the best place to find a toothless hooker and a cheap hot-dog, we'll let you know. As it stands, your continued presence in this thread seems to be to belittle those that have chosen to educate themselves while begging them to measure your dick.

[Saulbadguy]

Well it's not like you are lacking in that department either...
So what do you do for a living anyway? I won't pick on you.

I'm in the IT industry. I also run a very successful message board that is just raking in "the cash".

[R8RFAN]

I'm in the IT industry. I also run a very successful message board that is just raking in "the cash".

Oh yea? ... In the message board industry huh? Raking in the cash huh?
Where is this messageboard you speak of?

[Saulbadguy]

Oh yea? ... In the message board industry huh? Raking in the cash huh?
Where is this messageboard you speak of?

Do you have signatures turned off?

[R8RFAN]

Do you have signatures turned off?

Very nice looking SMF

[Bugeater]

I thought R8ers was taking the rest of the week off to go fishing. I bet he doesn't even own a boat. Hell it wouldn't surprise me if he didn't even have a job.

[R8RFAN]

I thought R8ers was taking the rest of the week off to go fishing. I bet he doesn't even own a boat. Hell it wouldn't surprise me if he didn't even have a job.

Crazy talk Buggy

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[Jenson71]

I could not sit in a cubicle all day.... More power to ya

But your job is sitting in a truck all day?

[Bearcat]

But your job is sitting in a truck all day?

Leather seats!

[CrazyPhuD]

But your job is sitting in a truck all day?

Yes but it's alot easier to get blown by a hooker driving in a truck than it is sitting in a cube.

[alnorth]

Student Loans are a pretty sweet deal as long as you are responsible and you don't borrow such a huge amount of money that the minimum payment crushes you.

If you borrow a couple hundred thousand, you better be some kind of doctor. Short of that, if you are thinking out of state vs in state, go with the cheaper option unless you or your parents have money or you get massive scholarships, because the money you'll borrow for out of state is science-fiction. And that out of state degree probably wont help you that much to get a better job over the cheaper in state degree.

I still owe about 20,000 or so but even if I win the lottery, I wont pay it off one nanosecond quicker than I have to, because my interest rate is 2 and an eighth. Considering that its all federal and state tax-deductible, that loan is costing me about 1.5% interest.

[The Franchise]

Am I supposed to be impressed with that boat?

[DJ's left nut]

Am I supposed to be impressed with that boat?

C'mon Brah!

That's a $15,000 fishing boat right there. They don't just give those 50 HP outboards away.

AND HE AIN'T GOT ANY BOOK LEARNIN'

So take that, sucker. Bet you can't afford a fishing boat. Afterall, it's only the upper echelons of society that can swing that trick.

[OnTheWarpath15]

C'mon Brah!

That's a $15,000 fishing boat right there. They don't just give those 50 HP outboards away.

AND HE AIN'T GOT ANY BOOK LEARNIN'

So take that, sucker. Bet you can't afford a fishing boat. Afterall, it's only the upper echelons of society that can swing that trick.

LMAO

[Hootie]

R8ers was just a responsible guy who saved money...he's proud of that (as I would be as well) but the gloating and mocking is a bit ridiculous.

If I didn't go out and spend $300 on random weeknights boozing (this Wednesday) and budgeted and grocery shopped (rather than ordering out every day)...

I could probably save up a fortune in a short period of time, as well...as I pay for every living expense I have per month in less than a week of work...so I could be banking 42 weeks of paychecks every year...but instead I go out and get blacked out drunk and turn into the most generous person in town (IE let everyone drink on my tab, leave my card at the bar, follow the paper trail, and realize I spent $300 in 2 hours)...

but hey...I'm proud that I can afford to be the dumbest person in America.

[Hootie]

and by fortune I mean a few 10,000s of dollars (like R8ers)...

pretty sure R8ers made a thread back in the day saying he had like $75000 saved up and wanted to know if he should make a big purchase all in cash (a house maybe?) I don't remember...it was years ago (unless I'm thinking of someone else...is R8ers the Raiders and Tarheels fan?)

[The Franchise]

and by fortune I mean a few 10,000s of dollars (like R8ers)...

pretty sure R8ers made a thread back in the day saying he had like $75000 saved up and wanted to know if he should make a big purchase all in cash (a house maybe?) I don't remember...it was years ago (unless I'm thinking of someone else...is R8ers the Raiders and Tarheels fan?)

Yes.

[R8RFAN]

But your job is sitting in a truck all day?

About 6 hours max.... but you can open the window, see the world, free vitamin D


I am not bashing you man, My job has to be done and so does a cubicle dwellers, and I am not "Above" being a cubicle dweller, I just don't want to...


to feed my family, I would shovel shit with a pitchfork..

[Hootie]

yeah I remember a post back maybe 3 years ago where he said he had like $75K saved up and wanted to know if it was a smart move to buy his house (I think?) with cash or to get a mortgage...and then a mini (and more civil) Dave Ramsey (is that his name?) argument ensued.

[Hootie]

as a waiter/bartender I'm certainly not going to bash your job...my friend has a fedex route and makes $40K a year...seems like a pretty sweet gig to me

I wish I had the mentality to finish school and be a good student since I'm fortunate enough to have parents who were willing to pay my entire way...so I could have gotten a head start debt free...but I just hated school SO much (to the point of being miserable)

I used to think I had some serious ADD issues...but I work in such a high stress environment that requires a lot of focus and multi-tasking and I excel at it...so I'm not quite sure that was the case...I just hated learning about shit I didn't care about and it made me a terrible student...I was worried about fantasy baseball when I was 17 instead of calculus

[R8RFAN]

yeah I remember a post back maybe 3 years ago where he said he had like $75K saved up and wanted to know if it was a smart move to buy his house (I think?) with cash or to get a mortgage...and then a mini (and more civil) Dave Ramsey (is that his name?) argument ensued.

I had more than that saved, just wanted to know if people had a chance to pay off the mortgage balance (75900 or so I think) would they do it.... some said I was an idiot....

Welp, I paid it off and since, I have have saved atleast another 100k in cash....


I will dig up the thread brb

[R8RFAN]

as a waiter/bartender I'm certainly not going to bash your job...my friend has a fedex route and makes $40K a year...seems like a pretty sweet gig to me

I wish I had the mentality to finish school and be a good student since I'm fortunate enough to have parents who were willing to pay my entire way...so I could have gotten a head start debt free...but I just hated school SO much (to the point of being miserable)

I used to think I had some serious ADD issues...but I work in such a high stress environment that requires a lot of focus and multi-tasking and I excel at it...so I'm not quite sure that was the case...I just hated learning about shit I didn't care about and it made me a terrible student...I was worried about fantasy baseball when I was 17 instead of calculus

I pull doubles for Fedex at night.... I make about double that of your normal package guy.

I don't bash a soul for what they make, I bash on the stupid shit people buy they can't afford that puts them behind the eight ball for years...

I wish to see everyone on this forum be healthy and have everything they ever dreamed of having ..... I am made out to be the bad guy and some make Visa and Mastercard out as their friends....

Some see it , some don't... I am only trying to help people, and if I make a few enemies as a result, so be it. But one day... it will slap most in the face and they will wish some dumbass poor truck driver from NC had gotten in their heads sooner.

[Hootie]

I don't care if you dig up the thread...

you're a good saver, that's evident

there is no right answer...you seem to be happy doing what you do...some people are probably perfectly happy with student loans

hell some people go to college and never had the intention of making "a fortune"...some people get poly sci degrees fully knowing there is really no job market for someone with that degree...

some people like to learn and sometimes it can cost a lot of money

who cares how people choose to live? You get one shot...some people are in debt, some aren't...the goal is to be happy...

[The Franchise]

I had more than that saved, just wanted to know if people had a chance to pay off the mortgage balance (75900 or so I think) would they do it.... some said I was an idiot....

Welp, I paid it off and since, I have have saved atleast another 100k in cash....


I will dig up the thread brb

Nobody cares.

[The Franchise]

Dude....no one is going to look back and think of you. If people want to live in debt....so be it. It's not anyone's place to call them an idiot.

[R8RFAN]

I don't care if you dig up the thread...

you're a good saver, that's evident

there is no right answer...you seem to be happy doing what you do...some people are probably perfectly happy with student loans

hell some people go to college and never had the intention of making "a fortune"...some people get poly sci degrees fully knowing there is really no job market for someone with that degree...

some people like to learn and sometimes it can cost a lot of money

who cares how people choose to live? You get one shot...some people are in debt, some aren't...the goal is to be happy...

You know what, If I were sitting here being a miser and eating cold oatmeal because I was too cheap to heat it then yes, I would be a problem....

I am financially secure, I am blessed, I could work every night with my seniority but since I am so well off I take the rest of the week off on a Tuesday so some poor sucker lower than I am on seniority and up to his ass in debt can work....

Is it my responsibility to look out for those who make poor decisions in life? Nope, but I don't feel right prospering while others suffer even if I am not the cause of it...


I worked 6 days, the whole months of Dec/Jan to help others...
I work 3-4 days a week on average now to help others...

You guys call me an asshole if you want, I could care less.

[Hootie]

we're not calling you an asshole for anything other than the fact you're an asshole on this board for no reason

I respect your work ethic and your ability to have saved quite a bit of money. That's very honorable.

[R8RFAN]

we're not calling you an asshole for anything other than the fact you're an asshole on this board for no reason

I respect your work ethic and your ability to have saved quite a bit of money. That's very honorable.

Being blunt and telling it like it is is being an asshole?

Should I coddle dumbasses instead?

[Bearcat]

I wish to see everyone on this forum be healthy and have everything they ever dreamed of having ..... I am made out to be the bad guy and some make Visa and Mastercard out as their friends....


Maybe I'm missing some posts from others that make you want to post about how people with debt are idiots, etc; but what I mostly see is this...

Thread about money
R8ers: Generalizations on how people with debt are idiots, can't afford anything, etc.
Others: Bash R8ers for a while
R8ers: Bash others for a while
Others: Talk logically, tell R8ers about their specific situation.
R8ers: Compliments that person, says it's not about that person, it's about the many others who are drowning in debt, etc.


It's bad form.

[R8RFAN]

Maybe I'm missing some posts from others that make you want to post about how people with debt are idiots, etc; but what I mostly see is this...

Thread about money
R8ers: Generalizations on how people with debt are idiots, can't afford anything, etc.
Others: Bash R8ers for a while
R8ers: Bash others for a while
Others: Talk logically, tell R8ers about their specific situation.
R8ers: Compliments that person, says it's not about that person, it's about the many others who are drowning in debt, etc.


It's bad form.

some people ARE idiots, when you encourage bad behavior it only breeds more..

I want more than anything for someone here to say they are out of debt and I pissed them off so bad, they thought about it...

I am not sensitive, bash me, I can dish it, I can take it.

[DJ's left nut]

Does anyone else notice that R8ers completely tangential diatribe sounds like the audition tape for every bubble-headed sorority girl that's ever tried out for a reality show?

"Hey! I'm not here to make friends. I just tells it like it is and if that bothers you, too bad. I'm just gonna keep it real and be me. Some people don't like me because I'm in your face like that, but that don't bother me cause I know I'm hot shit. I'm just too hardcore."

Seriously, are you putting on spray tan as you write this shit?

REPEAT: Nobody. Cares. Absolutely nobody cares one single bit about what you have to say. Nobody is offended by you being up in they bidness. You are not a martyr. You are not a prophet. You're just someone talking about cats in a thread about muscle-cars. You're an attention whore to such a degree that you've managed to somehow draw in other attention whores to either defend or demean you (I haven't figure out exactly what Hootie is saying to this point, other than asking more people to pay attention to him).

So please - pull the nails out of your wrists, climb off your high horse, step off the soap box alongside it, and cruise your 18-wheeler on outta here; but don't forget to get your badass Evinrud in the back. Whatever you do, just shut the **** up - nobody cares.

[R8RFAN]

Does anyone else notice that R8ers completely tangential diatribe sounds like the audition tape for every bubble-headed sorority girl that's ever tried out for a reality show?

"Hey! I'm not here to make friends. I just tells it like it is and if that bothers you, too bad. I'm just gonna keep it real and be me. Some people don't like me because I'm in your face like that, but that don't bother me cause I know I'm hot shit. I'm just too hardcore."

Seriously, are you putting on spray tan as you write this shit?

REPEAT: Nobody. Cares. Absolutely nobody cares one single bit about what you have to say. Nobody is offended by you being up in they bidness. You are not a martyr. You are not a prophet. You're just someone talking about cats in a thread about muscle-cars. You're an attention whore to such a degree that you've managed to somehow draw in other attention whores to either defend or demean you (I haven't figure out exactly what Hootie is saying to this point, other than asking more people to pay attention to him).

So please - pull the nails out of your wrists, climb off your high horse, step off the soap box alongside it, and cruise your 18-wheeler on outta here; but don't forget to get your badass Evinrud in the back. Whatever you do, just shut the **** up - nobody cares.

Good, put me on ignore then you whining bastard :thumb:

[Bearcat]

some people ARE idiots, when you encourage bad behavior it only breeds more..

I want more than anything for someone here to say they are out of debt and I pissed them off so bad, they thought about it...

I am not sensitive, bash me, I can dish it, I can take it.

A lot of people are idiots, but I think people would be more open to what you have to say if you just took a minute to look at the big picture. You were bashing Dane until he finally told you his situation, then you said he was one of the smart ones.

It's one thing for you to be blunt with someone who posts something like "I make $40,000 a year, have $150,000 in student loan debt, just bought a $140,000 house, but I'm doing okay".... blast away, there's no way to defend that kind of idiocy.

But, just blasting away on anyone with debt because of your preconceived notions that are based on what you read in the paper is pointless. Yeah, there are a lot of people who live way beyond their paycheck, but there are also a lot of people who do just fine managing debt, as shown in this and other threads.

[DJ's left nut]

Good, put me on ignore then you whining bastard :thumb:

"I'm hardcore!"

[R8RFAN]

A lot of people are idiots, but I think people would be more open to what you have to say if you just took a minute to look at the big picture. You were bashing Dane until he finally told you his situation, then you said he was one of the smart ones.

It's one thing for you to be blunt with someone who posts something like "I make $40,000 a year, have $150,000 in student loan debt, just bought a $140,000 house, but I'm doing okay".... blast away, there's no way to defend that kind of idiocy.

But, just blasting away on anyone with debt because of your preconceived notions that are based on what you read in the paper is pointless. Yeah, there are a lot of people who live way beyond their paycheck, but there are also a lot of people who do just fine managing debt, as shown in this and other threads.

I told Dane he was smart until I found out the bastard is in the porno industry.... Now he is nothing more than a scumbag to me.

I bash DUMB DEBT... 25k houses on 30k salarys, 50k suv's on the same, using credit cards to pay bills.... those my friend are STUPID people any way you slice it.

[eazyb81]

I told Dane he was smart until I found out the bastard is in the porno industry.... Now he is nothing more than a scumbag to me.

I bash DUMB DEBT... 25k houses on 30k salarys, 50k suv's on the same, using credit cards to pay bills.... those my friend are STUPID people any way you slice it.

Not one person in this 10 page thread has posted anything like this, yet you continue to try to lump in everyone with student debt into this fantasy of yours to make yourself feel better.

You are f'n moron.

[eazyb81]

Student Loans are a pretty sweet deal as long as you are responsible and you don't borrow such a huge amount of money that the minimum payment crushes you.

If you borrow a couple hundred thousand, you better be some kind of doctor. Short of that, if you are thinking out of state vs in state, go with the cheaper option unless you or your parents have money or you get massive scholarships, because the money you'll borrow for out of state is science-fiction. And that out of state degree probably wont help you that much to get a better job over the cheaper in state degree.

I still owe about 20,000 or so but even if I win the lottery, I wont pay it off one nanosecond quicker than I have to, because my interest rate is 2 and an eighth. Considering that its all federal and state tax-deductible, that loan is costing me about 1.5% interest.

R8ers is simply incapable of grasping this concept, no matter how many threads I try to hit him over head with it.

[DJ's left nut]

Not one person in this 10 page thread has posted anything like this, yet you continue to try to lump in everyone with student debt into this fantasy of yours to make yourself feel better.

You are f'n moron.

He's hardcore.

He's just telling it like it is. He's sorry if you can't handle him.

http://exclaim.ca/images/die2.jpg

[DJ's left nut]

R8ers is simply incapable of grasping this concept, no matter how many threads I try to hit him over head with it.

So he's another Ramsey idiot, huh?

I love it how people with absolutely no in-depth understanding of finance are so quick to tell others how they should manage their money.

Dave Ramsey should die in a fire.

[Bearcat]

Not one person in this 10 page thread has posted anything like this, yet you continue to try to lump in everyone with student debt into this fantasy of yours to make yourself feel better.


Exactly.


Well, 2 pages... :D

[R8RFAN]

ok numbnuts my thread is here..

Bring it strong or go home running for Mommy!

http://chiefsplanet.com/BB/showthread.php?t=242880

[DJ's left nut]

ok numbnuts my thread is here..

Bring it strong or go home running for Mommy!

http://chiefsplanet.com/BB/showthread.php?t=242880

I'm sure you'll enjoy it.

[Hootie]

damn

I was just offering my $0.02

my fault

[Omaha]

R8ers was just a responsible guy who saved money...he's proud of that (as I would be as well) but the gloating and mocking is a bit ridiculous.

If I didn't go out and spend $300 on random weeknights boozing (this Wednesday) and budgeted and grocery shopped (rather than ordering out every day)...

I could probably save up a fortune in a short period of time, as well...as I pay for every living expense I have per month in less than a week of work...so I could be banking 42 weeks of paychecks every year...but instead I go out and get blacked out drunk and turn into the most generous person in town (IE let everyone drink on my tab, leave my card at the bar, follow the paper trail, and realize I spent $300 in 2 hours)...

but hey...I'm proud that I can afford to be the dumbest person in America.

This is exactly how I spent a lot of my time in college.... Fuck, I miss those days.

[durtyrute]

Got a degree in A.A.S. in industrial electrical maintenance from the metropolitan community college. Had 18,000 in student loans when I finished. Got a job with a union contractor at a power house grosin a 100k year, paid off the loan in the first year at the job.

Hey i'm going to longview now and trying to figure out what I want to do. I'm intrigued by this post, do you live in missouri?

[Ebolapox]

wait... dane is in porn?

[Time's Yours]

I'm paying $815 a month. It sucks, but I'm making WELL over $815 more than what I would have been without the degree, so it was a win.

Plus, I don't drive a truck, lol.

[R8RFAN]

I'm paying $815 a month. It sucks, but I'm making WELL over $815 more than what I would have been without the degree, so it was a win.

Plus, I don't drive a truck, lol.

What do you do that is superior to driving a truck.... I may go back to school

[Bugeater]

wait... dane is in porn?
Sadly, no.