Non-Profit to help pay Student Debt
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- insomnie
Want to start a non-profit to help people pay off their student loan debt. I believe that eliminating student loan debt will not only help people enjoy their life more but also increase spending and help other industries.
- tredesigns0
start a general scholarship fund instead. if you take a loan out and got and education you should pay what you owe. I know that the loan industry is a tricky beast but I see no reason why someone else would donate money to me or any other stranger to payoff loans.
what would it be a post college scholarship? I dig your what you are trying to do but I don't think it would work, but I not always right.
- agreebigtrick
- people still need help to deal with loans even if graduated. has nothing to do with being responsible for the debt.Dodecahedron
- pointless attitude to just say 'oh you borrowed it so deal with it yourself'Dodecahedron
- HA! "not always right"plash
- brandelec0
will it also help people get into college
- ukit0
How about just pay my credit card bill instead. An immediate, tangible action that will help our economy.
- d_rek0
Hmm.
I thought about the residual effects of taking out almost $50k in student loans long before I signed the papers. It was really the only way I was ever going to be able to attend the private college of my choice. I did recieve a generous amount of grants and scholarships but it really only barely a paltry amount of my overall tuition.
That being said I knew exactly what I was doing when I signed my life away. It wasn't an easy decision but a decision I made nonetheless. And one I wouldn't expect anyone else other than myself to pay for debt I knowingly and willfully acquired.
However, I do believe that the student-loan system is setup to hinder recent graduates rather then help them prosper - In the United States particularly. Compared to the irresponsible manner in which mortgages were being handed out to people with terrible credit it seems a bit backwards to keep those with student loan debt on the shortest leash. And it's downright scary to think that all debt can be forgiven in the US by declaring bankruptcy EXCEPT student loan debt. Wtf is that shit?
- bjladams0
i did it the old-fashioned way and paid for college while i was there- serving coffee and working as a printer. my little bro is in college now, doing the same thing- working evenings and weekends. perhaps you could direct your non-profit towards that way of thinking, helping people realize how much cash (legal) can be made while in school - perhaps even in their field of study.
- ukit0
Sadly in the U.S. we are just out to make money. Everything is secondary to that. So if there's a way to set up an industry based around locking people who need to pay for college into financial servitude you're goddamn right it will happen.
- insomnie0
I don't think it's as simple as hey I owe 50k in loans can I get it so I can pay off for school. I am thinking more among the lines of community work, in exchange for some relief. Not everyone is a doctor or a lawyer who's loans can be forgiven because they volunteer in that field. Also in this country you can file for bankrupcy and all your credit card debt will be eliminated, same is not true for your student loans. Sometimes even if your dead someone has to pay for it.
If that's not screwed up system then I don't know what is.
- tredesigns0
@Dodecahedr
explain to me why anyone should donate money to an able bodied educated person with a job? I took out loans with no idea how iwas going to pay them back but I'm paying them. Even thru droughts of employment. Its real simple don't take a loan you can or are not willing to pay back and live within your means.I work 3 jobs to pay my way thru school and work at those jobs 7 days a week. Some days I worked 3 jobs, others 2, rarely did I just one job in a day. I still have one of those jobs today just to pay my loans back and I'm still working 7 days a week. The point is this, man the fuck up and do whatever it takes to get what you want and handle your responsibilities.
@insomnie
1. Start movement to get the govt to pay for Education 75-100%.2. start a fund to help students go to college.
3. Maybe if it was for the unemployed to help during a rough patch I might be willing to get in on board.
4. start a info. campaign on how to get thru college without getting in debit and how the manage your funds better.
- Its not personal, people have different situations and need support with their debt periodDodecahedron
- I was born in watts ca. I was one of the poor. if any one needed help it was me. but i worke my ass off to get what i wanted.tredesigns
- tredesigns0
Solution:
start a group like kiva.org/ or kickstarter.com/ that help those in school pay there way thru it. the loan industry is shitty an this could be the nemesis. you can offer loans or scholarships at the lowest rates.- you'd have to have a lot of doblons to start loaningbjladams
- bigtrick0
www.vittana.org is what you're looking for. my friend is a cofounder! however, it is for non-1st-world students only (:
- and, actually, it provides interest-free loans - it does not help pay off loan debt.bigtrick
- @insomnie version could be on for first world problems.tredesigns
- HijoDMaite0
I say mandatory military service for two years after High School. After getting out you should get the Gi Bill. (50K total).
P.S. Before all the libs criticize you should know that the following countries all have a mandatory period of armed service. Norway, Switz, Austria, Denmark, Finland, Germany, Greece
- problem is, we're so much more likely to use our military than those other countriesbigtrick
- no beef but doesn't mandatory = not freedom? I'm just saying.tredesigns
- That is true, it could never happen. Also the teenage drug problem would be a challenge.HijoDMaite
- It would also give the govt the man power to wage war continuously. Its a better trick than the drafttredesigns
- Well a contract is a contract but you are really only institutionalized for the first 4 months during basic training.HijoDMaite
- LOL @ "wage war continuously" It's probably true!HijoDMaite
- fuck this idea.scarabin
- they are already waging war continuouslyDodecahedron
- ukit0
So everyone has to carry a gun, even the girls? I'm trying to imagine some of people I knew in high school drafted into the military...
- HijoDMaite0
This is my RIFLE and this is my GUN!! This for shooting and this is for FUN!!
- scarabin0
how about you get a job and pay it off like you knew you would when you signed up?
it's not like anyone's being victimized here or that anyone owes you anything. nobody twisted your arm.
- True, education is not a "right" especially secondary education.HijoDMaite
- This is besides the point. Everyone works hard to deal with this and yet debt is still a real large problem. Working more an laying blame on individuals is no solution.Dodecahedron
- ...more and laying blame on individuals is no solution.Dodecahedron
- bullshit. only you are responsible for your debt.scarabin
- it's a real large problem because people don't think before they sign on the dotted line.scarabin
- again no one is saying debters arn't responsible. they need help. apparently no one deserves help in the usa, its cut throatDodecahedron
- there's plenty of help in the USA. you can defer your loan, get another loan, ask your family, your friends, do free research online, do something to make money...scarabin
- online, start a project that will make money, people need to stop acting like helpless babies and expecting everything to be handed to themscarabin
- handed to themscarabin
- see you think people looking for help are 'helpless babies', you sound like an americanDodecahedron
- obviously there needs to be better options with dealing with you debtsDodecahedron
- yes, i think people thinking they deserve to not be responsible for their own actions are babiesscarabin
- again, you arn't listening...people aren't dodging responsibility they are looking for HELP. There's a big difference in reality.Dodecahedron
- ...difference in reality.Dodecahedron
- your attitude "You dugg your hole now dig yourself out". Debters didn't dig the whole themselves and digging more ain't going to help.Dodecahedron
- ....isn't going to help.Dodecahedron
- you're throwing around the term "help" like it doesn't mean paying for your debtscarabin
- no i'm not you just have that in your mind alreadyDodecahedron
- so what "help" do you have in mind that isn't available already?scarabin
- ukit0
Why isn't education a right?
It's a fuckin ponzi scheme that only helps the people born into wealth zoom up the ladder while someone born with no inheritance barely has a chance.
- why should it be?
knowledge is luxury dude, it has ALWAYS been.scarabin - That's how it's done today in this country, sure, but there's no real logical reason for itukit
- no, it's been like that throughout history. common folk couldn't even read until recently, and even then only in some placesscarabin
- Well, whatever, I mean, what I'm saying is there's no moral reason to draw the line after primary education.ukit
- wtf do morals have to do with anything?scarabin
- They have to do with what we consider right vs privilege. Right to free speech for instanceukit
- do you really want to be paying the taxes required to pay for EVERYONE'S college education? fucking fuck that with a fucking stick my friendscarabin
- a fucking stick my friendscarabin
- Substitute "primary education," you can fuck that with a fucking stick too I guess. Should we get rid of it?:)ukit
- I'm not saying pay 100%, but at some point there's a cost-benefit ratio to society that comes into play.ukit
- I think the worst part is how stratified it is. The main criteria to attend a "good" school is simply money.ukit
- When you talk about 50k/ year to go to Harvard, vs like 5k for some state schools, something is wrongukit
- of course it is.
you're basically saying that you have a right to drive a lexus instead of your basic, "primary" mazda and that someone else should pay for itscarabin - mazda and that someone besides you should pay for itscarabin
- No. Because me driving a Lexus doesn't benefit anyone, except possibly my ego.ukit
- More people getting an education so we can actually compete with countries like China and Brazil benefits everyoneukit
- everyoneukit
- alright, well it sounds like an amazing and fantastic jetsons world in your head. lemme know when all the money for this shows upscarabin
- shows up. i could use a free master's degreescarabin
- why should it be?
- georgesIII0
Speaking of debts,
I have lots of friend who used their student loans to party and travel around the world,
should we help them too?
- Dodecahedron0
Two things that could be done that have nothing to do with handouts or dodging responsibility are debt/budget/tax counseling and free legal advice. Two expenses off someone's back and a few steps in the right direction. I'm sure these exist in some capacity already but more wouldn't hurt.
- moniker0
Sounds great!
Send me cash now.
I'm drowning ova here
