Author Topic: Is this possible to be debt free from student loans?  (Read 2417 times)

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Offline Shiny

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Is this possible to be debt free from student loans?
« on: October 17, 2012, 06:07:30 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.
« Last Edit: October 17, 2012, 06:19:32 PM by Achronos »
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Offline choy

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Re: Is this possible to be debt free from student loans?
« Reply #1 on: October 17, 2012, 06:26:42 PM »
Don't parents support their kids' college tuition in this continent (North America)?

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #2 on: October 17, 2012, 06:30:55 PM »
Don't parents support their kids' college tuition in this continent (North America)?
Americans actually owe more in student loan debt than consumer credit. It's about 109 billion, last time I checked and of course is rapidly growing. Average student loan debt is between 12-18k.

Because of the shrinking income in the middle class, families don't have the means to support their children's higher education. As the incomes of the middle class stay either stagnant or shrink, the cost of higher education keeps growing.
« Last Edit: October 17, 2012, 06:32:28 PM by Achronos »
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Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #3 on: October 17, 2012, 06:48:35 PM »
Don't parents support their kids' college tuition in this continent (North America)?

Parents with a ton of extra money often do; to get an idea of how much school costs, I go to a public (state-owned) university; total cost of attendance (tuition, books, fees, cost of living, etc.) comes out to about 25K a year.  So unless my parents had 25 thousand they could throw toward my education, I'd have to be taking on some debt (or juggling a job...which would be nice if I could find one).
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Offline William

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Re: Is this possible to be debt free from student loans?
« Reply #4 on: October 17, 2012, 06:50:03 PM »
Get a scholarship or join the military.
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #5 on: October 17, 2012, 06:51:06 PM »
Get a scholarship or join the military.
Aindiru is trying to get me into the Air Force, for now, I will pass.

You think I'm smurt enough to get a scholarship?
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #6 on: October 17, 2012, 06:52:34 PM »
Don't parents support their kids' college tuition in this continent (North America)?

Parents with a ton of extra money often do; to get an idea of how much school costs, I go to a public (state-owned) university; total cost of attendance (tuition, books, fees, cost of living, etc.) comes out to about 25K a year.  So unless my parents had 25 thousand they could throw toward my education, I'd have to be taking on some debt (or juggling a job...which would be nice if I could find one).
25k a year?! Wowza. I've been out of the college game for awhile and I keep going back and forth on a month to month basis.

What's stopping me, is of course the money element. I don't want debt.

And frankly I'd love to pick up a part time job to cover the costs but finding one that works with my schedule is impossible.
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Offline William

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Re: Is this possible to be debt free from student loans?
« Reply #7 on: October 17, 2012, 07:03:21 PM »
Get a scholarship or join the military.
Aindiru is trying to get me into the Air Force, for now, I will pass.

You think I'm smurt enough to get a scholarship?

It's best to at least try.

Some campuses will let you get an on campus job or internship in your field to pay for stuff.
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Offline vamrat

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Re: Is this possible to be debt free from student loans?
« Reply #8 on: October 17, 2012, 07:04:56 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

That...is probably the most awesome idea I've heard in a while.  Swindling the swindlers.
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Offline Justin Kissel

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Re: Is this possible to be debt free from student loans?
« Reply #9 on: October 17, 2012, 07:15:55 PM »
Doesn't a bankruptcy stay on your credit for like a decade 47 years or something?

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #10 on: October 17, 2012, 07:20:40 PM »
Doesn't a bankruptcy stay on your credit for like a decade 47 years or something?
Nah supposedly 7 years, but that's crap still.

I have two people I know personally that filed bankruptcy, and in two years had credit scores in he 700s, and got car loans with interests rates low as 6.5%.

You can still get a mortgage with bankruptcy too.
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #11 on: October 17, 2012, 07:22:08 PM »
Get a scholarship or join the military.
Aindiru is trying to get me into the Air Force, for now, I will pass.

You think I'm smurt enough to get a scholarship?

It's best to at least try.

Some campuses will let you get an on campus job or internship in your field to pay for stuff.
Those on campus jobs will pay nothin near what I make now and I can't afford to be on an internship.

Once I get a new job, then I'll work on the scholarship piece.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Αριστοκλής

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Re: Is this possible to be debt free from student loans?
« Reply #12 on: October 17, 2012, 07:49:59 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

You'll never get enough on the CCs for long enough to pay the debt. Nice ethics, btw.
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #13 on: October 17, 2012, 07:51:53 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

You'll never get enough on the CCs for long enough to pay the debt. Nice ethics, btw.
Depends on how much I owe. This has nothing to do with ethics.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #14 on: October 17, 2012, 07:55:02 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
« Last Edit: October 17, 2012, 07:57:07 PM by Tallitot »
Proverbs 22:7

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #15 on: October 17, 2012, 07:57:54 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #16 on: October 17, 2012, 07:59:00 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.
Proverbs 22:7

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #17 on: October 17, 2012, 08:00:08 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #18 on: October 17, 2012, 08:08:16 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Proverbs 22:7

Offline orthonorm

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Re: Is this possible to be debt free from student loans?
« Reply #19 on: October 17, 2012, 08:09:16 PM »
Doesn't a bankruptcy stay on your credit for like a decade 47 years or something?
Nah supposedly 7 years, but that's crap still.

I have two people I know personally that filed bankruptcy, and in two years had credit scores in he 700s, and got car loans with interests rates low as 6.5%.

You can still get a mortgage with bankruptcy too.

Know to people to turn that around even more quickly.
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Offline orthonorm

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Re: Is this possible to be debt free from student loans?
« Reply #20 on: October 17, 2012, 08:10:42 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.

Exactly.
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Offline orthonorm

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Re: Is this possible to be debt free from student loans?
« Reply #21 on: October 17, 2012, 08:14:17 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

I got a good one.

lent or loaned is acceptable usage.

lended is non-standard usage.

Talk to your Rabbi about this.
« Last Edit: October 17, 2012, 08:14:46 PM by orthonorm »
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #22 on: October 17, 2012, 08:15:53 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Actually the only promisorry note I've signed is for student loans. As far as consumer credit, nada. Well credit card companies are lending, better to call it opening, me a certain credit line at an interest rate, argue whatever you want on the terminology.

Still there is no guarantee I will pay back whatever I get opened on my credit line because how could there be? I can lose my job, get my hours cut at work, lose some of my salary, etc. This is why credit scores and other metrics are used to evaluate a person's credit worthiness, and depending upon how solid that is the more money that is available to use at a lower interest rate.

You want to argue over the ethics of using credit, that's a different story. But since I'm already in the credit system, I have to work within it.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Αριστοκλής

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Re: Is this possible to be debt free from student loans?
« Reply #23 on: October 17, 2012, 08:25:13 PM »
Kid, you've got a hard life ahead.
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Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #24 on: October 17, 2012, 08:27:13 PM »
yeah, the world owes you after all.
Proverbs 22:7

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #25 on: October 17, 2012, 08:30:34 PM »
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

– St. Ambrose of Milan

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #26 on: October 17, 2012, 08:35:11 PM »
yeah, the world owes you after all.
Err what?
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline akimori makoto

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Re: Is this possible to be debt free from student loans?
« Reply #27 on: October 17, 2012, 08:44:42 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Actually the only promisorry note I've signed is for student loans. As far as consumer credit, nada. Well credit card companies are lending, better to call it opening, me a certain credit line at an interest rate, argue whatever you want on the terminology.

Still there is no guarantee I will pay back whatever I get opened on my credit line because how could there be? I can lose my job, get my hours cut at work, lose some of my salary, etc. This is why credit scores and other metrics are used to evaluate a person's credit worthiness, and depending upon how solid that is the more money that is available to use at a lower interest rate.

You want to argue over the ethics of using credit, that's a different story. But since I'm already in the credit system, I have to work within it.

Have you not considered that you have a binding contract with the credit provider? Legally speaking, a promise to perform your part of the agreement.
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Offline stavros_388

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Re: Is this possible to be debt free from student loans?
« Reply #28 on: October 17, 2012, 08:53:20 PM »
Why don't you go teach English in Asia for a couple of years? My wife and I did it, and I'd highly recommend it. We didn't take care of a ton of our debt by doing so, but other people I know paid off all of their student debts in a couple of years. Also, doesn't America offer any kind of repayment assistance programs for student loans? For example, here in Canada, if we are not making enough money, the government pays the monthly interest (and the enormous debt just sits there... waiting). :P
« Last Edit: October 17, 2012, 08:53:35 PM by stavros_388 »
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Offline orthonorm

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Re: Is this possible to be debt free from student loans?
« Reply #29 on: October 17, 2012, 09:00:45 PM »
Why don't you go teach English in Asia for a couple of years? My wife and I did it, and I'd highly recommend it. We didn't take care of a ton of our debt by doing so, but other people I know paid off all of their student debts in a couple of years. Also, doesn't America offer any kind of repayment assistance programs for student loans? For example, here in Canada, if we are not making enough money, the government pays the monthly interest (and the enormous debt just sits there... waiting). :P

Most of the world doesn't understand how expensive the resorts called University or College cost in this country and why they are so expensive.

Pretty much healthcare and higher education have dramatically outpaced the cost of practically anything since the 70s.

« Last Edit: October 17, 2012, 09:01:14 PM by orthonorm »
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #30 on: October 17, 2012, 09:08:09 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Actually the only promisorry note I've signed is for student loans. As far as consumer credit, nada. Well credit card companies are lending, better to call it opening, me a certain credit line at an interest rate, argue whatever you want on the terminology.

Still there is no guarantee I will pay back whatever I get opened on my credit line because how could there be? I can lose my job, get my hours cut at work, lose some of my salary, etc. This is why credit scores and other metrics are used to evaluate a person's credit worthiness, and depending upon how solid that is the more money that is available to use at a lower interest rate.

You want to argue over the ethics of using credit, that's a different story. But since I'm already in the credit system, I have to work within it.

Have you not considered that you have a binding contract with the credit provider? Legally speaking, a promise to perform your part of the agreement.
Yeah which is why they can take you to court if you default. However I'd ask you look at bankruptcy laws in America both at federal and state level.

And in fact you can actually win against lawsuits from creditors. I can get you in contact with someone who has helped hundreds of people.
« Last Edit: October 17, 2012, 09:15:02 PM by Achronos »
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #31 on: October 17, 2012, 09:12:43 PM »
Why don't you go teach English in Asia for a couple of years? My wife and I did it, and I'd highly recommend it. We didn't take care of a ton of our debt by doing so, but other people I know paid off all of their student debts in a couple of years. Also, doesn't America offer any kind of repayment assistance programs for student loans? For example, here in Canada, if we are not making enough money, the government pays the monthly interest (and the enormous debt just sits there... waiting). :P
The assistance programs can be hit or miss. I forgot the word, IPS IIRC, is based on your income and they make the payments based off 10-15% of that. The problem is you accrue alot of interest near the end of your payments. It's only good in the short term. Consolidation is the way to go with student loans.

And I'm not particular fond of leaving this country, eventhough I've heard a few good things from people who have done exactly what you described.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

– St. Ambrose of Milan

Offline akimori makoto

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Re: Is this possible to be debt free from student loans?
« Reply #32 on: October 17, 2012, 10:25:45 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Actually the only promisorry note I've signed is for student loans. As far as consumer credit, nada. Well credit card companies are lending, better to call it opening, me a certain credit line at an interest rate, argue whatever you want on the terminology.

Still there is no guarantee I will pay back whatever I get opened on my credit line because how could there be? I can lose my job, get my hours cut at work, lose some of my salary, etc. This is why credit scores and other metrics are used to evaluate a person's credit worthiness, and depending upon how solid that is the more money that is available to use at a lower interest rate.

You want to argue over the ethics of using credit, that's a different story. But since I'm already in the credit system, I have to work within it.

Have you not considered that you have a binding contract with the credit provider? Legally speaking, a promise to perform your part of the agreement.
Yeah which is why they can take you to court if you default. However I'd ask you look at bankruptcy laws in America both at federal and state level.

And in fact you can actually win against lawsuits from creditors. I can get you in contact with someone who has helped hundreds of people.

The reason I raise the contractual aspect is that I consider that a contract is an exchange of promises -- accordingly, it would not be ethical to promise to do one thing and then to do another, wouldn't you agree?
The Episcopallian road is easy and wide, for many go through it to find destruction. lol sorry channeling Isa.

Offline Schultz

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Re: Is this possible to be debt free from student loans?
« Reply #33 on: October 17, 2012, 10:44:52 PM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #34 on: October 17, 2012, 10:45:19 PM »
Use credit lines and/or loans to pay my current expenses and everything that I make at my job goes straight to student loans. Once that is paid off, file bankruptcy on the rest of my consumer credit and start life debt free.

Don't see a problem here.

None at all. After all there's no commandment that says "thou shall not steal".



Oh, wait.....
Stealing what?

Money you're borrowing without any intention of repaying.

Credit that is lended to me, there is no guarentee, from the lender side, that I will repay. That's the risk.
"Loaned to me"? Great education you're getting.

So when you sign the agreement stating you will repay, you'll be lying? Whatever. rationalize it to yourself. You're right, this has nothing to do with ethics. Absolutely nothing.
Actually the only promisorry note I've signed is for student loans. As far as consumer credit, nada. Well credit card companies are lending, better to call it opening, me a certain credit line at an interest rate, argue whatever you want on the terminology.

Still there is no guarantee I will pay back whatever I get opened on my credit line because how could there be? I can lose my job, get my hours cut at work, lose some of my salary, etc. This is why credit scores and other metrics are used to evaluate a person's credit worthiness, and depending upon how solid that is the more money that is available to use at a lower interest rate.

You want to argue over the ethics of using credit, that's a different story. But since I'm already in the credit system, I have to work within it.

Have you not considered that you have a binding contract with the credit provider? Legally speaking, a promise to perform your part of the agreement.
Yeah which is why they can take you to court if you default. However I'd ask you look at bankruptcy laws in America both at federal and state level.

And in fact you can actually win against lawsuits from creditors. I can get you in contact with someone who has helped hundreds of people.

The reason I raise the contractual aspect is that I consider that a contract is an exchange of promises -- accordingly, it would not be ethical to promise to do one thing and then to do another, wouldn't you agree?
I'll have to go through my agreement but I don't believe I am contracually liable for payment.

It would be unethical to make a promise to something that I may not be able to keep. ;)
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #35 on: October 17, 2012, 10:45:45 PM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline orthonorm

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Re: Is this possible to be debt free from student loans?
« Reply #36 on: October 17, 2012, 10:51:35 PM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

Mos def.

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Re: Is this possible to be debt free from student loans?
« Reply #37 on: October 17, 2012, 11:03:42 PM »
Greetings in that Divine and Most Precious Name of Our Lord and Savior Jesus Christ!





stay blessed,
habte selassie
« Last Edit: October 17, 2012, 11:05:44 PM by HabteSelassie »
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Re: Is this possible to be debt free from student loans?
« Reply #38 on: October 17, 2012, 11:04:24 PM »
Greetings in that Divine and Most Precious Name of Our Lord and Savior Jesus Christ!





stay blessed,
habte selassie
"Yet stand aloof from stupid questionings and geneologies and strifes and fightings about law, for they are without benefit and vain." Titus 3:10

Offline HabteSelassie

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Re: Is this possible to be debt free from student loans?
« Reply #39 on: October 17, 2012, 11:05:24 PM »
Greetings in that Divine and Most Precious Name of Our Lord and Savior Jesus Christ!





In other words, Talliot is right  :police:

stay blessed,
habte selassie
"Yet stand aloof from stupid questionings and geneologies and strifes and fightings about law, for they are without benefit and vain." Titus 3:10

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #40 on: October 17, 2012, 11:06:47 PM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

Mos def.

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Hey Mr. McNugget.
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Offline William

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Re: Is this possible to be debt free from student loans?
« Reply #41 on: October 17, 2012, 11:11:27 PM »
Why don't you go teach English in Asia for a couple of years? My wife and I did it, and I'd highly recommend it. We didn't take care of a ton of our debt by doing so, but other people I know paid off all of their student debts in a couple of years. Also, doesn't America offer any kind of repayment assistance programs for student loans? For example, here in Canada, if we are not making enough money, the government pays the monthly interest (and the enormous debt just sits there... waiting). :P

Most of the world doesn't understand how expensive the resorts called University or College cost in this country and why they are so expensive.

Pretty much healthcare and higher education have dramatically outpaced the cost of practically anything since the 70s.



This is why I refuse to pay a cent for college.
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Re: Is this possible to be debt free from student loans?
« Reply #42 on: October 17, 2012, 11:13:07 PM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.
Apart from moral conduct, all that man thinks himself able to do in order to become acceptable to God is mere superstition and religious folly. - Immanuel Kant

Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #43 on: October 18, 2012, 12:04:54 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.

Most of those ways are called debt.
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Offline William

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Re: Is this possible to be debt free from student loans?
« Reply #44 on: October 18, 2012, 12:07:55 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.

Most of those ways are called debt.

Yeah except not a single way I was referring to involves debt.
Apart from moral conduct, all that man thinks himself able to do in order to become acceptable to God is mere superstition and religious folly. - Immanuel Kant

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #45 on: October 18, 2012, 12:10:03 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.
Start naming them, and I'll check them off the list.
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Offline Justin Kissel

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Re: Is this possible to be debt free from student loans?
« Reply #46 on: October 18, 2012, 12:10:17 AM »
Yeah except not a single way I was referring to involves debt.

When I said I was finished with exotic dancing I meant it. Never again!

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #47 on: October 18, 2012, 12:12:54 AM »
Yeah except not a single way I was referring to involves debt.

When I said I was finished with exotic dancing I meant it. Never again!
Oh baby.
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Offline ZealousZeal

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Re: Is this possible to be debt free from student loans?
« Reply #48 on: October 18, 2012, 12:30:14 AM »
Yeah except not a single way I was referring to involves debt.

When I said I was finished with exotic dancing I meant it. Never again!

And all of Pennsylvania wept at the loss!
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Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #49 on: October 18, 2012, 12:44:29 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.

Most of those ways are called debt.

Yeah except not a single way I was referring to involves debt.

Having a friend spill soda all over a Wal-Mart aisle, and then slipping on it and suing?
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Offline choy

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Re: Is this possible to be debt free from student loans?
« Reply #50 on: October 18, 2012, 02:41:37 AM »
Don't parents save up?  I know the costs are high, but of course you save up for it.  My parents saved up for mine and my sisters' education.  One of is is an MD, and me and my eldest sister even went to one of the most expensive (but of course top 3) universities in the Philippines.  We're not rich, but my parents planned on it.

Also not to mention, we went to private schools throughout (public schools have very low standards in the Philippines, they are underfunded in so many ways).

Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #51 on: October 18, 2012, 07:16:07 AM »
here's how I did it:I got a job saved some money and continued working while in school. my amount of student debt on graduation was $0.00.
Proverbs 22:7

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Re: Is this possible to be debt free from student loans?
« Reply #52 on: October 18, 2012, 07:43:34 AM »
Move to Scotland and study there, it's freeeeeeee.
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Re: Is this possible to be debt free from student loans?
« Reply #53 on: October 18, 2012, 08:48:31 AM »
Move to Scotland and study there, it's freeeeeeee.
But only for citizens, right?

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Re: Is this possible to be debt free from student loans?
« Reply #54 on: October 18, 2012, 08:52:13 AM »
Move to Scotland and study there, it's freeeeeeee.
But only for citizens, right?

IIRC, no. Don't hold it to me, though.
« Last Edit: October 18, 2012, 08:52:29 AM by Cyrillic »
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Offline katherineofdixie

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Re: Is this possible to be debt free from student loans?
« Reply #55 on: October 18, 2012, 09:34:58 AM »
Move to Georgia. The HOPE Scholarship is still available. For now, at least. Of course, you won't be able to find a job.
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Offline Cyrillic

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Re: Is this possible to be debt free from student loans?
« Reply #56 on: October 18, 2012, 09:37:24 AM »
Move to Georgia. The HOPE Scholarship is still available. For now, at least. Of course, you won't be able to find a job.

Why would he move to the Caucasus when he can go to Scotland?

Oh wait, I know, Georgia is majority Orthodox.
« Last Edit: October 18, 2012, 09:38:27 AM by Cyrillic »
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Offline Tallitot

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Re: Is this possible to be debt free from student loans?
« Reply #57 on: October 18, 2012, 09:42:57 AM »
Move to Georgia. The HOPE Scholarship is still available. For now, at least. Of course, you won't be able to find a job.

Why would he move to the Caucasus when he can go to Scotland?

Oh wait, I know, Georgia is majority Orthodox.
Depends which Georgia.
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Offline Αριστοκλής

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Re: Is this possible to be debt free from student loans?
« Reply #58 on: October 18, 2012, 09:53:39 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
He certainly is confusing the two, and it's so disappointing coming from a newly illuminated Orthodox.
His scheme most surely is immoral stemming from a fundamental lack of ethics. AND by planning ahead to not repay he crosses the line of legality - obtaining funds under false pretenses, a felony in many states, a crime of some sort in all.
Unless he already has in hand CCs with sufficient lines of credit he will lie (illegal) on his applications (current income, employment, and/or household income). He will intend to break his contract. If he has sufficient lines of credit already he STILL is planning an illegal action.
I cannot believe I read here other Orthodox encouraging this scheme.
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Offline William

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Re: Is this possible to be debt free from student loans?
« Reply #59 on: October 18, 2012, 10:17:23 AM »
Achronos is confusing legality with morality.

What you're proposing may be legal but it's certainly immoral for the very reasons Tallitot is pronouncing.
It ain't about right or wrong, it's about money.

There are many ways to pay for college, not all involving sketchy ethics.
Start naming them, and I'll check them off the list.

I've listed some. Here's mo:

-Get Mitt Romney to pay for your college
-Get a degree in something specific enough that a prospective employer will pay for you (my cousin has gotten a degree this way)
-Go to a university that pays for the tuition you can't afford based on your income
-Slip in WalMart and sue
-Go to the EU
-Sell lemonade
-Have a parent working at the college (like me)
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Offline Kerdy

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Re: Is this possible to be debt free from student loans?
« Reply #60 on: October 18, 2012, 04:41:22 PM »
Move to Scotland and study there, it's freeeeeeee.
But only for citizens, right?

IIRC, no. Don't hold it to me, though.
I'll have to check it out.  Been looking for a reason to move to Scotland.

Offline JamesR

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Re: Is this possible to be debt free from student loans?
« Reply #61 on: October 18, 2012, 05:11:31 PM »
I think that most people get in debt with student loans because they waste their money on pointless Liberal Arts Degrees thinking that any degree will help them make money, or they are spoiled and fooled by the media wanting to attend the greatest Universities when in reality a cheaper college is also just as perfectly capable of giving you the degree you want as a University is. Or, my favorite, they go into college with no idea on what they want to pursue and get themselves indebt because they believed in all that crap that education is more important than the degree or profession itself.
...Or it's just possible he's a mouthy young man on an internet forum.
In the infinite wisdom of God, James can be all three.

Offline Kerdy

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Re: Is this possible to be debt free from student loans?
« Reply #62 on: October 18, 2012, 06:15:09 PM »
I think that most people get in debt with student loans because they waste their money on pointless Liberal Arts Degrees thinking that any degree will help them make money, or they are spoiled and fooled by the media wanting to attend the greatest Universities when in reality a cheaper college is also just as perfectly capable of giving you the degree you want as a University is. Or, my favorite, they go into college with no idea on what they want to pursue and get themselves indebt because they believed in all that crap that education is more important than the degree or profession itself.
Right, so what about the 1% of people this doesn't apply.

Offline Kerdy

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Re: Is this possible to be debt free from student loans?
« Reply #63 on: October 18, 2012, 10:47:28 PM »
Universities are about making money.  Education is a secondary concern.  Switch colleges and you will see what I mean.  Not to mention all the pointless courses required completely unrelated to the major.  Then we have to cost.  Community or Vocational colleges is the way to go, depending on what you want to do.

Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #64 on: October 18, 2012, 10:51:01 PM »
Money before education. See the problem?
“There is your brother, naked, crying, and you stand there confused over the choice of an attractive floor covering.”

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Offline HabteSelassie

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Re: Is this possible to be debt free from student loans?
« Reply #65 on: October 18, 2012, 11:40:18 PM »
Greetings in that Divine and Most Precious Name of Our Lord and Savior Jesus Christ!


The real question is, what colleges are you actually looking at and have you went to their financial aid offices?

stay blessed,
habte selassie
« Last Edit: October 18, 2012, 11:40:51 PM by HabteSelassie »
"Yet stand aloof from stupid questionings and geneologies and strifes and fightings about law, for they are without benefit and vain." Titus 3:10

Offline Justin Kissel

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Re: Is this possible to be debt free from student loans?
« Reply #66 on: October 18, 2012, 11:45:22 PM »
I've found college aid people to be rather like military recruiters... they'll tell you what you want to hear if it will get you to sign with them.

Offline Justin Kissel

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Re: Is this possible to be debt free from student loans?
« Reply #67 on: October 19, 2012, 12:14:38 AM »
Still thinking about moving back to Pennsylvania?

Offline Αριστοκλής

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Re: Is this possible to be debt free from student loans?
« Reply #68 on: October 19, 2012, 12:23:16 AM »
Still thinking about moving back to Pennsylvania?

Please, no.
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #69 on: October 19, 2012, 12:26:26 AM »
Saw this article?

Student-loan debt is a good investment
http://www.marketwatch.com/story/student-loan-debt-is-a-good-investment-2012-10-15
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Offline Shiny

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Re: Is this possible to be debt free from student loans?
« Reply #70 on: October 19, 2012, 12:26:52 AM »
Still thinking about moving back to Pennsylvania?

Please, no.
What's your address? We can be neighbors. ;D

Maybe you can come over and watch PBS sometime.
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Offline Αριστοκλής

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Re: Is this possible to be debt free from student loans?
« Reply #71 on: October 19, 2012, 07:33:27 AM »
Still thinking about moving back to Pennsylvania?

Please, no.
What's your address? We can be neighbors. ;D

Maybe you can come over and watch PBS sometime.

I already have yours but will decline the offer now. I think all the Section 8 housing around here is filled up. Thanks anyway.
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Offline Fotina02

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Re: Is this possible to be debt free from student loans?
« Reply #72 on: October 19, 2012, 08:43:16 AM »
Study free online.

Scott Young - Can you get an MIT education for $2,000?

http://www.youtube.com/watch?feature=player_embedded&v=piSLobJfZ3c


Offline vamrat

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Re: Is this possible to be debt free from student loans?
« Reply #73 on: October 24, 2012, 05:50:02 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.
Das ist des Jägers Ehrenschild, daß er beschützt und hegt sein Wild, weidmännisch jagt, wie sich’s gehört, den Schöpfer im Geschöpfe ehrt.

Offline choy

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Re: Is this possible to be debt free from student loans?
« Reply #74 on: October 24, 2012, 05:58:08 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

My cousins here in Canada went to a community college for the basic courses, then transfered to a university to get the major courses.  Saved a lot of money than taking the basic courses in the University.

Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #75 on: October 24, 2012, 07:57:28 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

If you start up that drug cartel, let me know; I've been looking for work.
I know a secret about a former Supreme Court Justice.  Can you guess what it is?

The greatest tragedy in the world is when a cigarette ends.

American Spirits - the eco-friendly cigarette.

Preston Robert Kinney (September 8th, 1997-August 14, 2011

Offline vamrat

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Re: Is this possible to be debt free from student loans?
« Reply #76 on: October 24, 2012, 11:07:10 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

If you start up that drug cartel, let me know; I've been looking for work.

You'll have to do your time in the brigandage outfit first.   :D
Das ist des Jägers Ehrenschild, daß er beschützt und hegt sein Wild, weidmännisch jagt, wie sich’s gehört, den Schöpfer im Geschöpfe ehrt.

Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #77 on: October 24, 2012, 11:40:50 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

If you start up that drug cartel, let me know; I've been looking for work.

You'll have to do your time in the brigandage outfit first.   :D

As long as the pay's decent...
I know a secret about a former Supreme Court Justice.  Can you guess what it is?

The greatest tragedy in the world is when a cigarette ends.

American Spirits - the eco-friendly cigarette.

Preston Robert Kinney (September 8th, 1997-August 14, 2011

Offline vamrat

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Re: Is this possible to be debt free from student loans?
« Reply #78 on: October 25, 2012, 03:36:56 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

If you start up that drug cartel, let me know; I've been looking for work.

You'll have to do your time in the brigandage outfit first.   :D

As long as the pay's decent...

You work on commission. 
Das ist des Jägers Ehrenschild, daß er beschützt und hegt sein Wild, weidmännisch jagt, wie sich’s gehört, den Schöpfer im Geschöpfe ehrt.

Offline JamesRottnek

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Re: Is this possible to be debt free from student loans?
« Reply #79 on: October 25, 2012, 07:02:05 PM »
Money before education. See the problem?

- You could join an eeeeevil trade union.  Then you will not only pee off 1%'ers but also learn a trade.
- Join the navy and see the seven seas.  If they don't learn you a trade they will pay for someone else to learn you it.  Or you could just make it a career.
- Reopen the slave trade.  I say we start with debt bondage since it is already pretty much legal and won't attract as much media attention.  Then we can move it up a notch and start abducting yuppies from the suburbs and holding meat markets in Chinatown.
- Work a crappy job but go to a community school and learn a real trade like welding.  You do have to be smarter than the system.
- Brigandage.  If I get fired that's what I'm going to do.  I might even save up enough money to start my own drug cartel.
- Merchant Marine.  My brother knows some guys who did pretty well in that trade.  It's kinda like #2 but without all the homosexual implications.

If you start up that drug cartel, let me know; I've been looking for work.

You'll have to do your time in the brigandage outfit first.   :D

As long as the pay's decent...

You work on commission. 

That sounds fine to me
I know a secret about a former Supreme Court Justice.  Can you guess what it is?

The greatest tragedy in the world is when a cigarette ends.

American Spirits - the eco-friendly cigarette.

Preston Robert Kinney (September 8th, 1997-August 14, 2011