| Title | : | How Student Loans Are Changing, Regardless of the Supreme Court Ruling | WSJ |
| Lasting | : | 6.59 |
| Date of publication | : | |
| Views | : | 663 rb |
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Mary still making 30k (and that's possible in some parts of the country) after 8 years is a huge problem She needs to start a fan account to help her out Just staying lol Comment from : DarknessFalls29 |
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This is the only developed nation with 17 Trillion in outstanding student loan debt Comment from : Byron Williams |
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Stop borrowing money for useless degrees Comment from : Krusty |
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How about Mary not qualify for a $30k loan if her expected future income is $30k/yr? Comment from : perspectival |
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I was able to keep my debt super low I applied to so many scholarships and grants and now only owe $4,500 I actually took out the last 1k because of this bill🤦♀️…now I owe all of it, but I am grateful I don’t have too muchbrbrHowever, I’ve been struggling so much with finding a job I’ve filled out so many applications and I’m about to just go back to bartendingI also had to move back in with family Even though I did everything “right” and graduated with honors in both high school and collegeif I could go back I’d let myself enjoy things a little more instead of focusing so heavily on perfect grades Comment from : Rose & Resin |
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why not just give free college education? isn't education a right, or is that adage just lip service? Comment from : Lu G |
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Where is the message of, “Pay your bill You owe it”? Comment from : Samuel |
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Ironically everyone going to university a) supports rising costs due to demand and b) devalues having a degree in the first place Comment from : Chris Han |
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The plan sucks,Jim Crow Joe lies, he should have fought for forgiveness a promised during the election! Comment from : The Explorer |
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Imagine if the borrowers were anything resembling responsible adults With a 3 1/2 year pause on payments imagine how much principal could have been paid down just making half payments instead of trips to Cabo and new cars and big screen TV’s Comment from : Ray Naylor |
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They should just scrap interest on student loans Comment from : luiscobos123 |
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So this is, once again, not loan forgiveness It is charging the taxpayers instead of the borrowers They've just changed a few words and who is eligible Sorry, but no I paid for my education, I paid for my child's education I shouldn't have to pay for the education of people who took out loans that they can't or don't want to pay off What needs to be changed is a fair discussion with these kids of exactly what they are agreeing to and cheaper ways to get their educationand seriously lowering tuition costs Comment from : Kathryn Cashner |
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I have a question about an already charged off loan that someone magically got re-opened March 2023 and is now current Is that legal? Because I it seems illegal and is now messing with my credit score Comment from : Reé Griff |
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Pay it back twiceCancel the poor blanking students Comment from : jeff rucks |
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There is a problem with "free" when it becomes a communist systembrbrI don't want the USA to become Venezuela😭😭 Comment from : Alison Knight |
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5 interest rate? Federal loans are 6-7 😢 Comment from : leemanjoo |
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Because of cost of higher education and because I finished my degree later in life, I still owe approximately $40,000 in student loans I wanted a BSN in nursing and now at 58ish years old, wonder if it was worth the principle and interest of that BSN Comment from : Mark Price |
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I watch several YouTube videos on how to trade in the stock market but haven't made any head start because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands Comment from : soja kia |
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First the Obama phone…Biden Bucks…next up the Bernie House Comment from : s whar |
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Insane that it would be cheaper to literally just hit a reset button on everyone's debt instead of making them pay it all lol Wow Comment from : TheWhiteKirby |
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College is a waste of time 90 of the time Comment from : Terry McGinnis |
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tax payer will have to pay everything, another lawless president Comment from : G SS |
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So we all go broke faster as we pile on more national debt to pay for this Typical democrat thinking The interest alone on the debt is a trillion dollars It will keep growing until the dollar collapses and we end up like Venezuela But that's ok because Biden gets to buy votes with it so he can stay in power He'll be dead by the time it all collapses so what does he care Comment from : John G |
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These income driven plans are a JOKE! Just 5 of discretionary funds??? That’s nothing! Why would anyone bother to pay back their loans if they qualify for this absurdly generous plan? As a taxpayer, this is disgusting Comment from : Josh Howard |
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meanwhile i am here in Saudi studying medicine for free God Bless Arabia Comment from : Ali507z |
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Pay your loans Comment from : TurntProphet |
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Anything that can be changed by a pen can be changed by another pen Imagine thinking you can take out 200k loan and only pay back 10k and get it all forgiven Comment from : Nathan |
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Do you see ? The root of why the democrats are in power is due to the Universities that spread their propaganda Student loan for givenness is not about helping the students, it is about insuring that the Universities get their money, when the economy collapses and students are unable to pay, A transfer of the peoples money being diverted to these traitorous Universities Comment from : Den Woo |
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So not fair!! Comment from : Susan Neely |
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Another problem is that you are required to use your parents income as a basis for financial aid despite the fact that you might be 100 independent This is until the age of 22 After that you can be considered independent Comment from : M |
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What’s crazy is as of today the government is telling people to enroll in the income driven repayment plan so they can be eligible for forgiveness No thank you!! I’m not moving off of my 10 year loan to have my balance start going up Comment from : jenshark4 |
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where is the application Comment from : Teresa Young |
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You should try being disabled for 10 year and still can't get the loans forgiven Comment from : Matthew Gilliam |
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Yep continue with your unconstitutional bail out for party animals and drive this country deeper in debt, real smart move, NOT! Comment from : Nuna Yobusiness |
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The government should forgive all interest at the very least and bar any company from charging interest for any student who successfully completes their degree Comment from : Ghostbean Gaming |
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Why couldn't Chris be Chris? Comment from : Youtube University |
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Hi, I’m Mary Comment from : Bostic P |
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Imagine being outraged that your country's leader has taken executive action to protect people from predatory lending practiceslol Comment from : Ian Meyer |
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Tuitions are going up, just like housing prices are going up, because both are related to unearned money being dished out Comment from : Alec BUSCEMI |
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Anyone who thinks they should be paying the minimum possible monthly payment on a $30K loan is doing it wrong And yes, I know cost of living is high But you took on the responsibility of paying off these loans when you signed on the dotted line, so you can take on the responsibility to move in with a roommate to save on rent, buy your grocies at Aldi and Walmart, and work to maximize your earning potential Call it "bootstrap" philosphy if you want, but thinking others should pay for your bad decisions as a young person via taxes is ridiculous Comment from : Anthony Isensee |
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Every time I watch a documentary of one of america’s systems It feels like america looks like a flawed machine that malfunctions almost every time Comment from : DannyIsNow100 |
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Let people file bankruptcy like any other debt Comment from : Parler |
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This is a scam made buy banks and institutions "eron2" Comment from : entermatrix |
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Go with the 10-year standard repayment plan All these other government programs/solutions that they keep recreating are made to keep you in their pocket for longer Comment from : Magic_Fruit_Bat |
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Interest rates on an educational loan should never have been #Congress #college Comment from : Toy Marston |
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So claiming bankruptcy ain't an option ? Comment from : Toy Marston |
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This video is misleading Former President Obama or Bush pilot the program to veterans/military (I believe other professions as well) My father took advantage of that programbrIf I'm not mistaken, President Biden has created an interest-free loan Be more up front Comment from : Renee Phillips |
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Institutional corruption Comment from : Franklin Blunt |
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Time boo Comment from : Nicholas A Shaw |
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This has been struck down by SCOTUS Comment from : Frank Macias |
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So glad I didn’t go to college Debt free and just paid cash for a luxury suv Life is good Comment from : justin blake |
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Wow I didn't know that's how IDR works or I never would have applied for it Comment from : Liz Lammi |
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loan creditability should also take into account what the degree is in, how viable it is in the workplace, and overall the cost-effectiveness of it over the course of your 4 year degree some degrees might be worth 20k, others might be work 60k and it would fluctuate with the ongoing changing job market Comment from : MrGoalie2012 |
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why take a loan on college for a dree that only earns 30k per year that does not make sense She shouldnt have gone to college in the first place Comment from : Spikes |
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Seems like this is a kind of scam for the naive young students Comment from : NewYork NewYork |
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The Army taught me Nothing in this world is free, this is why I picked up the guns! To protect what I have to work hard for which I equate to my life, try taking it by force with force! Lethal force will be used! So yeah I will not be a slave, but free men roam here! Comment from : Donovan Gomez |
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Why did Mary get a Gender Studies degree and James an Engineering degree? Comment from : Rally Navigator |
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Biden took the student loan agenda to another dimension Comment from : Desmond Shuford |
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They need to regulate the universities That will fix the issue-brAsap Comment from : David Garcia |
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If you have a college degree and you only make $30,000 a year, you need to go back to the college and demand a refund Gender studies and "communications" majors can only get you so far Comment from : TooReal |
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The schools should make the loans and have a stake in whether the student can pay off the loan The whole problem started with the government giving out unlimited loans, allowing schools to raise tuition without any negative repercussion Comment from : Ross |
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Sadly, students are duped into Dept of Education loans and are told you have only pay a minimal fee because of your income level They will never pay off the loan Look at a Amortization Chart for a 5 loan on $30,000 and see how long it takes to pay off a loan using your monthly payment The Government acts like your friend and claims they are helping you, but what they are really doing, well, you know what They also know, most people don't do research and just sign away their money
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brIf people are eligible for a Dept of Education student loan, why not use federal grants to help subsidize their monthly payment? We pay out billions in Grant money for some of the weirdest reasons you can imagine
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brMy son learned the Grant money game and got paid to just show up once a month or quarter to some seminar that he left after signing in He used it to help pay off his student loan Grant money never has to be paid back Comment from : Mark I |
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Imagine going $30,000 into debt for a degree that earns you a salary slightly above the national poverty line This is the deal universities are extending to impressionable teenagers How is this not predatory? The only student loan forgiveness plan I'm willing to support is one where universities pay for instead of tax payers Comment from : P@$$w0rd123 |
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Hmm, so conservatives are upset that a president would dismantle something a previous president did brI guess that means they'll stop supporting Trump because he tried to dismantle everything Obama did Comment from : geared4 the truth |
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what a nonsense system Why is she even allowed to take the loan at the beginning? Any bank with common sense will not give such loans The solution should be fixing the origin of the problem, like reducing the tuition! Aren't most universities liberals? Reducing the tuition for minorities should not be a problem Comment from : haolee |
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30k is nothing how are people having troubles paying it back? or paying it for 10 years Comment from : Lebedev34 |
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from the other perspective, where does the money come from to subsidize the forgiving interest or principle? Comment from : Tiewei Cheng |
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How does this affect graduate loans or private loans? Comment from : Makenna |
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I'm sorry but if you get a student loan and your current job can't pay the $318 a month loan go and get a 2nd job to make sure you can afford the payment I worked while I was in college and graduated debt free I am now in grad school and applying the same method I used to get my bachelors Is college tuition highyes but it is what it is So it's best to make the sacrifice you need to have a more comfortable life in the future brHowever, I have friends who got student loans and they paid it off by making the sacrifice to either get a 2nd job or working overtime This is what being an adult is Comment from : Heather McDonald |
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The Mongomery GI Bill paid for most of my college Military enlistment is a big decision, but one of the worthwhile outcomes is getting a degree paid for Comment from : Nomad Yeldarb |
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Income driven repayment plan looks a lot like credit card minimum balance payment Comment from : Russell Takemoto |
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Debt forgiveness How does the school get their money back? Comment from : Russell Takemoto |
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so you're saying people decided to get a job where they can't pay the loans because their job skill has no value sound's like their problem not governments Comment from : Taylor Moyer |
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If your career lands you a $30000 and you loaned over $30000 for career path it sounds like you made a poor career choice with a zero return on investment (what happened to critical thinking and research-seriously), or perhaps your math skills are below 3rd grade level, which that in it self should disqualify you for higher education So, At what point does this become a YOU (the borrower) problem and the government the biggest instigator? People, Don’t be a Mary! Comment from : Gabriel Naranjo |
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Manif I only had 30 K in debt My medical school graduate self is jelly Comment from : JK golden |
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The problem here is, who is paying the rest of the loan and how? Our system used to be front loaded with public funds Here in CA we used to fund about 75 of university cost, now it's 25 With this in mind it's no wonder the cost for the consumer is much higher That being said, when a principal cannot be paid off it's important to think about how that is resolved People think it just disappears and nobody pays, that is much to narrow of a view Comment from : Sam Morrison |
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So Mary went to school for " " Studies and James went to school for STEM Lol they clearly wanted to avoid saying this Pay your loans back people Be smart about your career choices Comment from : Enilssab |
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Pay back what you borrow and make sure you go to university for something that will allow you to do this Comment from : Sam Morrison |
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Will this let universities raise the cost even more until even under the new income based plan your payment are $250+ minimum because that’s “what you can afford?” Comment from : Logan Twidell |
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So if you're in the trades Biden should forgive the amount of tool She bought to do your trade Comment from : Joey Smith |
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It's the same thing we're taking out a car You don't get something at your price range Comment from : Joey Smith |
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You know what's crazy? A dollar more in taxes on every paycheck, or even better, just taxing billionaires what they used to get taxed in the 40s-60s would make colleges tuition free like the rest of the world that's laughing as we fall behind Comment from : Starfallen |
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It will never change unless you hold colleges accountable If your degree cannot get you a decent paying job, it's an intellectual luxury product Comment from : No More Boring Work |
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Here after Biden’s vote buying/bribery program was struck down by the court, using Pelosi’s own words Comment from : Berg the 89th |
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Ppl should go to school free Comment from : Joel Elkanah Theoway |
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This has not aged well It's June 30, 2023 and the SCOTIS has struck down loan forgiveness Comment from : Shadow Mann |
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Any time someone says a govt program is expensive or will cost a lot, I want an instant comparison to how much our military budget was increased this year, and our total military spending for the past 5 years Or how much was spent on subsidies for oil corps Or how much the top 10 companies received in tax exemptions That should put things into proper perspective Comment from : Nick |
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Mary went to college, and her job pays her a measly $30K/yr? Why did she bother? She could do better than that without a college degreebrAnd what did she major in, anyway? Something unemployable?brbrSounds like Mary made stupid choices Comment from : andyiswonderful |
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Oh the income based plan is criminal Comment from : Bubbles |
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Forgive the interest that has accrued and has been rolled into the prinicipal ( yes this happens!) when refinancing and when the government took over private loans Freaking insane!!! My loans, undergrad and graduate/medical loans have ballooned like a whale washed ashore It’s gonna blow baby thats’s for sure Comment from : OWild1Child |
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Thank you for explaining this not many people who do not have student loans realize how predatory the old way has been I very much hope that this part of Biden's plan sticks My wife has paid back almost all of what she borrowed, but what she owes is still nearly three times what she borrowed That is screwed this is about getting Americans educated, which helps the whole country I wish the government would stop pouring tons of money into the military industrial complex, and would instead pour money into helping citizens become better educated, develop more skill Going to ones state university, in my opinion, should be free, but instead, it has become so expensive (still going up, every semester) that it is inaccessible for most, which drives people into this debt trap I've heard many things from the Biden administration (including that I qualified for the forgiveness that SCOTUS just squashed), and I'm losing trust Are these changes described here a sure thing? or will the republicans and their judges kill it all? Comment from : Ulehlud |
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