Student loans
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Private or federal loan? A decade is a long time. Were you told it was good debt? Has it held you back in any way at this point in time.
Federal loan. Not sure what "good debt" is. I was in a rush to find my first job out of college because I already had credit card debt and needed to pay bills ASAP and was not in a position to rely on my parents. In fact, my lack of savings has led me to quickly find jobs without waiting for potentially better or higher paying jobs (i.e., I can't afford extra risk, so I gain less than somebody who can). So, yes, it has held me back, but I almost always see the requirement for a "BS in Computer Science" as a job listings, so I'd probably be held back more if I hadn't gone to college. Had I not gone to college, I'd probably have been able to get some low-level crap position (which I did anyway during college) and work my way up. And I'd have no debt. However, if I had the chance to do it again, I'd do it the same. I don't think I'd be the developer I am today without my experiences in college. Also, school is an end more than a means to me, so I am somewhat biased (one of these days I want to save up to go back to school). Also, my car was about $19K (bought it when I graduated college), so that held me back too. I saw that as as much of a necessity as college though.
Somebody in an online forum wrote:
INTJs never really joke. They make a point. The joke is just a gift wrapper.
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I got my programminig degree from the Jolly Fats School of Medicine and Laundromat Repair. It took two weeks (mostly waiting for the check to clear) and cost just $47 (counting postage and handling fees). If you ignore the fact that the diploma they set me looks very much as if it was written out by hand (and they mispelled the word "diploma"), it's all very offical looking. I think it was $47 (including postage and handling fees) very well spent. EDIT ====================== I forgot to mention that I did this back in 1992, and I very nearly have the loan paid off. Just 17 more months to go, and I'll be free and clear.
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997John Simmons / outlaw programmer wrote:
Jolly Fats School of Medicine and Laundromat Repair
I love this educational institution! Do you know that they also have advanced labs and research facilities? I recently ordered 3 gallons from their famous potion which cures astigmatism, hemorrhoids, hair loss, and most of the terminal diseases for only 27.68 and free shipping!
There is only one Vera Farmiga and Salma Hayek is her prophet! Advertise here – minimum three posts per day are guaranteed.
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I just want to get a pulse on student loans. How many of you in the USA have huge student loans and are struggling to pay them? For those of you NOT in the USA, how do you pay for higher education. Well, I should say to anyone who has student debt in the USA and is in trouble there might be help on the way. You can go to forgivestudentloandebt dot com and find the facebook link and join. It might help you or give you some insight if you don't understand the tuition issues students now face.
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Private or federal loan? A decade is a long time. Were you told it was good debt? Has it held you back in any way at this point in time.
mindserve wrote:
A decade is a long time
Also, keep in mind that I'm not paying off just student loans. I'm also paying off a car and debt from when I had some health issues (e.g., $3K for a broken tooth). I'd say 1/3 of my debt is from student loans, so split 10 years into 3.
Somebody in an online forum wrote:
INTJs never really joke. They make a point. The joke is just a gift wrapper.
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Borrow money from parents/other relatives. It's the only realistic way to not be permanently screwed.
Yeah - instead, everyone you borrowed money from is permenantly screwed. :)
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
Yeah - instead, everyone you borrowed money from is permenantly screwed. :)
".45 ACP - because shooting twice is just silly" - JSOP, 2010
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You can never have too much ammo - unless you're swimming, or on fire. - JSOP, 2010
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"Why don't you tie a kerosene-soaked rag around your ankles so the ants won't climb up and eat your candy ass." - Dale Earnhardt, 1997 -
:laugh: five all the way up
There is only one Vera Farmiga and Salma Hayek is her prophet! Advertise here – minimum three posts per day are guaranteed.
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I just want to get a pulse on student loans. How many of you in the USA have huge student loans and are struggling to pay them? For those of you NOT in the USA, how do you pay for higher education. Well, I should say to anyone who has student debt in the USA and is in trouble there might be help on the way. You can go to forgivestudentloandebt dot com and find the facebook link and join. It might help you or give you some insight if you don't understand the tuition issues students now face.
I was lucky enough to be educated in the UK before tuition fees, when students got GIVEN money to go to university, and have reliable vacation work at my dad's company. So I escaped with minimal debt. My wife, on the other hand, has a reasonably large student loan debt, which we left in the UK when we emigrated (in the UK you only have to pay back your loan if you live and work in the UK and earn more than (I think) 15000GBP pa).
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My advice, don't pick a career where you will end up struggling to repay the loan. All mine are paid off. :-D
It was broke, so I fixed it.
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mindserve wrote:
Doctors don't make that kind of money..not new ones anyway.
I agree. I guess once they are into their 30s, that's when they start hitting the 200K+ mark. Although, most of them know this will happen and so start spending lavishly early on.
Regards, Nish
My technology blog: voidnish.wordpress.com You've gotta read this : Using lambdas - C++ vs. C# vs. C++/CX vs. C++/CLI
Well, doctors also get a lot of benefits that people don't know about. For example, I live in a nice place where there's a lot of doctors in my building (there's a hospital near by)... the hospital actually gives them a "housing allowance"! ...and it's pretty high...
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My co-worker send his kid to the state college. Tuition+Room > $30,000/yr - so much for reasonably priced public school.
Not all are that high though (will vary A LOT!)... plus if you can get grants and scholarships, it cuts back on the out-of-pocket costs.
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I had a job to pay for my schooling in the USA. In-State tuition is really very affordable. Housing is what gets you but we all have to pay that anyway. Yes, yes, I admit, I went to a State College.
Need custom software developed? I do custom programming based primarily on MS tools with an emphasis on C# development and consulting. I also do Android Programming as I find it a refreshing break from the MS. "And they, since they Were not the one dead, turned to their affairs" -- Robert Frost
I went to a state college too, tuition was pretty affordable (relatively)... and now I make a very good living... so it certainly didn't lead me to earn any less than someone at MIT (for example).
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My co-worker send his kid to the state college. Tuition+Room > $30,000/yr - so much for reasonably priced public school.
Reasonable is a relative term, compared to an ivy league school it seems more reasonable. No it’s not inexpensive to be sure. I never got to go through a four year program, rather it’s been little by little when I could afford it or when my job helped with the tuition. Each time I went back, I ended up with a promotion or a better position. Slow yes, do I have any regrets, absolutely not! The fact is, it is a neccesary evil, try getting anywhere without any education.
It was broke, so I fixed it.
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I just want to get a pulse on student loans. How many of you in the USA have huge student loans and are struggling to pay them? For those of you NOT in the USA, how do you pay for higher education. Well, I should say to anyone who has student debt in the USA and is in trouble there might be help on the way. You can go to forgivestudentloandebt dot com and find the facebook link and join. It might help you or give you some insight if you don't understand the tuition issues students now face.
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Not all are that high though (will vary A LOT!)... plus if you can get grants and scholarships, it cuts back on the out-of-pocket costs.
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I just want to get a pulse on student loans. How many of you in the USA have huge student loans and are struggling to pay them? For those of you NOT in the USA, how do you pay for higher education. Well, I should say to anyone who has student debt in the USA and is in trouble there might be help on the way. You can go to forgivestudentloandebt dot com and find the facebook link and join. It might help you or give you some insight if you don't understand the tuition issues students now face.
mindserve wrote:
For those of you NOT in the USA, how do you pay for higher education.
My work provides educational sponsorship providing it is relevant to your job/career path. I pay for the module upfront, and submit an expense claim once I get the module pass exam letter.
Dave Find Me On: Web|Facebook|Twitter|LinkedIn
Folding Stats: Team CodeProject
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It is regular UC college (university of CA). And there is very little financial assistance for "middle class", BTW...
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I just want to get a pulse on student loans. How many of you in the USA have huge student loans and are struggling to pay them? For those of you NOT in the USA, how do you pay for higher education. Well, I should say to anyone who has student debt in the USA and is in trouble there might be help on the way. You can go to forgivestudentloandebt dot com and find the facebook link and join. It might help you or give you some insight if you don't understand the tuition issues students now face.
I started the university in Bulgaria in the middle 90s. At this time there was no way to pay for your education (excepts you are a foreign student). All high education were fully funded from the state and the only way to get there was to beat the other candidates on the entrance examination and to have a really high score in your high school grades. My chosen specialty “computer science and basic economy” was very popular so to have any chance I had to have the maximum from the high school score plus almost the maximum score in the entrance math test. There were about 200 candidates for every position and the math test was so difficult that most of the high school math teachers wouldn’t be able to solve all the problems in the test. I tried after the high school and I failed miserably. Then I was listed in the army for a year and a half, and after I retired from the army I learned math six months for the test and scored eight from all candidates with almost perfect result on the exam.
There is only one Vera Farmiga and Salma Hayek is her prophet! Advertise here – minimum three posts per day are guaranteed.
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It is regular UC college (university of CA). And there is very little financial assistance for "middle class", BTW...
gstolarov wrote:
university of CA
Well there's the problem...
