For people complaining about their massive student loans...

How is "pick a different school" advice for people who are complaining about their loans? If someone has loans to complain about, they have already started (and probably finished) college.

Your totally right, but you also sound like a jaded dick. Why be so condescending towards an entire population of 16 year old kids on a running message board?One issue is that kids don't really understand the weight of the financial implications when they are 16 or 17 and making these decisions. They've been told their whole life that college is the right (and even 'good') thing almost no matter what the cost. Probably in part because not too long ago it was less (relatively) expensive and a degree was more valuable because fewer people had them. This message will change over time as a degree with a bunch of debt no longer guarantees success (or even a positive roi).

work hard and wrote:

Here's a simple solution for you... I know it's going to be mind blowing, but here it is.

Go to your state school! It's as simple as that. If you weren't smart enough or did enough activities to stand out to get scholarships, just go to your state school where your schooling will be fraction of the cost. If that's too expensive, you can go to community college for two years, then transfer to a state school for your 4 year degree.

It's ridiculous to hear about these student loans horror stories where they owe couple hundred grand. You are the idiot for taking on that much debt where you could've just gone to your state school to get the education.

What if you went to a state school, got a scholarship and still have a lot of student loans?

Doping works wrote:

What if you went to a state school, got a scholarship and still have a lot of student loans?

I went to a state school, got a scholarship, and thus have no student loans.

Don't spend money you don't have

Here's some advice for when the car insurance company is screwing you over when making a claim: Don't get in accidents.

Here's some advice for people in hospitals with gunshot wounds: Don't get shot.

Here's some advice for a broken heart: Don't get dumped.

Here's some advice for people with ice cream headaches: Don't eat cold things so fast.

Here's some advice for dead people: Live longer.

work hard and wrote:

Here's a simple solution for you... I know it's going to be mind blowing, but here it is.

Go to your state school! It's as simple as that. If you weren't smart enough or did enough activities to stand out to get scholarships, just go to your state school where your schooling will be fraction of the cost. If that's too expensive, you can go to community college for two years, then transfer to a state school for your 4 year degree.

It's ridiculous to hear about these student loans horror stories where they owe couple hundred grand. You are the idiot for taking on that much debt where you could've just gone to your state school to get the education.

You think State Schools are free or something?

Instead of our annual $1 trillion plus in contracts with the weapons makers, maybe we could instead educate everyone?

You're right. It's hard for kids to understand concept of money at that age. Then, parents need to understand this. Maybe I was fortunate where my parents told me that I had to go to state school unless I get scholarships. My parents paid taxes to fund the state school so it's such a waste of money when you don't go to state school.

It's definitely much cheaper.

audience analysis wrote:

How is "pick a different school" advice for people who are complaining about their loans? If someone has loans to complain about, they have already started (and probably finished) college.

That is logic from someone that went to a state school.

How about getting the government out of the student loan business, mortgage business, car loan business and healthcare / insurance business?

Price is where supply meets demand - prices much lower than they are now.

For further information turn back the clock about 50 years.

plog wrote:

Here's some advice for when the car insurance company is screwing you over when making a claim: Don't get in accidents.

Here's some advice for people in hospitals with gunshot wounds: Don't get shot.

Here's some advice for a broken heart: Don't get dumped.

Here's some advice for people with ice cream headaches: Don't eat cold things so fast.

Here's some advice for dead people: Live longer.

Yea, so I'm telling you to quit complaining. You made those choices. Actually, with your examples above, many of those weren't your choices. But for how much debt you have, that's your choice.

State School fees are also way to high to pay off after you graduate. The Rich have monetized the American Dream and students are strapped for decades making outrageous student loan payments.

So you want me to back to school? I can't without getting more student loans. That's not going to help. It will only ADD to my student loan debt.

So you want me to back to school? I can't without getting more student loans. That's not going to help. It will only ADD to my student loan debt.

work hard and wrote:

Here's a simple solution for you... I know it's going to be mind blowing, but here it is.

Go to your state school! It's as simple as that. If you weren't smart enough or did enough activities to stand out to get scholarships, just go to your state school where your schooling will be fraction of the cost. If that's too expensive, you can go to community college for two years, then transfer to a state school for your 4 year degree.

It's ridiculous to hear about these student loans horror stories where they owe couple hundred grand. You are the idiot for taking on that much debt where you could've just gone to your state school to get the education.

There are people with legitimate complaints. How about the MD/PT types that have to pay a massive amount for tuition and are not making the money they used to (adjusted for inflation) to pay off that debt. I agree that a communications major who spent 180k on undergrad didn't read the market correctly but for health providers the reality is that they need a terminal degree and the money just simply isn't there. BTW state school tuition for grad programs is the same as private schools, so don't give me that BS.

Also, your idea of community college to get core classes out of the way and finish your last two years at a 4/year school is also being cracked down on. Schools rely on a student being there for 4 years so they are starting to not take as many or in some cases no transfer credits. They also make it very difficult to transfer away from your school for the same reasons. If you think admissions/administrators haven't caught on to this you're severely mistaken.

Agree with most things you said except

the last. By living longer, you probably will rack up more hospital bills and cost your loved ones more money. I have edited it for you:

Here's some advice for dying people: die at home, not the hospital. If you're not sure if you're dying, just take a nap.

Cracked down on students transferring from community college? People still do this all the time. But, you know the type of people who do this? People are really motivated and driven would do this so this is actually a good thing. But back to the topic, people are still doing this.

Yes, they did crack down on this. Believe it or not, some people on these message boards do have jobs in many industries, including higher education.

I'm glad you didn't fight me on the other facts, maybe that should have been your indicator that I have some knowledge in this area.

Vast majority of people who have student loans don't expect them to disappear, but they just want some help with it. Salaries have not grown with inflation, they remain stagnant so the whole concept of going to college to get a great paying job is broken. Another poster hit the nail on the head that 16 year old's are constantly misled that you need a college degree to be successful.

You also fail to mention that these student loans prop up hundreds of thousands of direct jobs and even more of indirect jobs to local communities. Like it or not, this is a business, a very lucrative one at that.