11 replies to this topic

[Copaman]

Haven't been here in a while.

This new UI is fancy, yo.

What's new with y'all?

I'm just finishing up my Sophomore year in Uni, it was a rough year, I lost my grandmother and fought hard with depression, jeopardizing my standing with the school in the process, but I think I'm good now. I joined a fraternity. I gained a solid 15 pounds, which I needed to do.

Who is still around?

Who are the new guys?

How many of you who read this topic actually remember me?


...cheers

[Pasidon]

I do remember you... but not really... which is weird since I'm the newest guy around and I've been here for years.

[duke_Qa]

I recall some guy by the name Copaman, but I can't say I recall much beyond getting people riled up in the political part of the forums. But that's where I mostly notice people anyway so yeah.

I'm just finishing up my Sophomore year in Uni, it was a rough year, I lost my grandmother and fought hard with depression, jeopardizing my standing with the school in the process, but I think I'm good now. I joined a fraternity. I gained a solid 15 pounds, which I needed to do.

Sounds like fine examples of life in action to me. Any specializing in what you are studying yet, or just a ton of debt?

[Copaman]

Sounds like fine examples of life in action to me. Any specializing in what you are studying yet, or just a ton of debt?

I'm in an interesting program - in two more years I'll be graduated with a Bachelor's in Business ... but it'll say "Integrated Business and Engineering with a Concentration in Materials Science and Engineering." The year after that I'll graduate again with a B.S. in MatSciEng.

But yes plenty of debt to go along with that.

Obama's "Student Debt Relief" thing was an absolute joke. I've produced better legislation with my beer shits.

[duke_Qa]

Better than 7% interest that would be the alternative I'm sure. Is the interest frozen on that debt until you're done studying? We got that deal and its pretty sweet. Also, locked my interest at 3.1% for 5 years last fall. Should have waited until january for a 2.5%, but its hard to guess at when it's at its lowest.

A combination of business and engineering, sounds like a strange combination. but I wager it might be good one to start/manage a high-knowledge business once you have it in place.

[Copaman]

I've already started repaying my loans while I'm here, $25 or more to each loan every month, to try and knock the principal down a bit.

I'm not sure about the rates and whether they're frozen or not. I know that I'm not expected to start repayment until 6 months after I leave college.
The issue I have with Obama's student debt forgiveness is this: I don't get any help from it. I'll be 250K in the hole with zero help. Now...because I chose to study something worthwhile, I'll land a job, so I'm not completely SOL. But 250K is a hell of a lot for a 22 year old. It seems to me like it's a safety net for those who don't want to study something relevant to what our society does and needs.

[Elvenlord]

Oh hi man. I'm also finishing my sophomore year, but in geology. Yaaaaay.

[Phil]

I've already started repaying my loans while I'm here, $25 or more to each loan every month, to try and knock the principal down a bit.

I'm not sure about the rates and whether they're frozen or not. I know that I'm not expected to start repayment until 6 months after I leave college.
The issue I have with Obama's student debt forgiveness is this: I don't get any help from it. I'll be 250K in the hole with zero help. Now...because I chose to study something worthwhile, I'll land a job, so I'm not completely SOL. But 250K is a hell of a lot for a 22 year old. It seems to me like it's a safety net for those who don't want to study something relevant to what our society does and needs.

With all due respect, your educational system is nuts. How on earth can you burden 20-something year-olds with a debt of 250k?! That's outright insane.

[duke_Qa]

Indentured servitude.

But yeah, 250k would have been horrible even up here. I had around $60k when I was "done", and that was five years with two years in a pretty costly private school. If i went to a public uni for 7 years I'd averagely get around $11k per year in loans for a grand total of around $80k. Which you could in theory make back in little over a year.

Strange how the talk of student loans comes up quite often when people return to the forums.

[some_weirdGuy]

Hi Copa. Seems the RP gang have disappeared from revora. I certainly have for the most part.

and since it's the current topic:
I'm not quite sure how much I owe with my own uni studies, but from my understanding I will only begin paying it back once I start earning a certain amount of money(above 50,000 i believe), and while we don't get interest apparently it gets increased based on the consume price index.

[Copaman]

With all due respect, your educational system is nuts. How on earth can you burden 20-something year-olds with a debt of 250k?! That's outright insane.

I wish I had a good answer. In theory the cost of education is proportional to the worth of the degree - in my case, at a top-25 uni for what I'm studying, I'll take that theory and run with it.

Supply and demand, brehski. There's a ton of demand and such limited supply. Ergo suppliers charge basically whatever the fuck they want without getting ridiculed into the public eye.

I do believe it should be further subsidized, though. Hell, it even makes sense economically for the government to invest in the youth (e.g. long-run aggregate production), but then again, in the long run we're all dead anyway. Guess we've got better ways to spend our money, like wars that nobody really supports and sodomizing the Constitution.

Indentured servitude.

But yeah, 250k would have been horrible even up here. I had around $60k when I was "done", and that was five years with two years in a pretty costly private school. If i went to a public uni for 7 years I'd averagely get around $11k per year in loans for a grand total of around $80k. Which you could in theory make back in little over a year.

Strange how the talk of student loans comes up quite often when people return to the forums.

I agree. It seems incredibly hard for most Americans to avoid living their entire lives in debt.

My loans are on like a 10-12 year repayment timeline or something. Basic napkin math, given the avg. starting salary for recent grads in my program, has me paying half of my yearly starting salary in order to pay back my education. Unreal.

I think it's interesting how it always comes up - I think it really speaks to how prevalent the issue is.

Hi Copa. Seems the RP gang have disappeared from revora. I certainly have for the most part.

and since it's the current topic:
I'm not quite sure how much I owe with my own uni studies, but from my understanding I will only begin paying it back once I start earning a certain amount of money(above 50,000 i believe), and while we don't get interest apparently it gets increased based on the consume price index.

We all grew up dude. Everyone knows that when you grow up and become a real person you lose your imagination.

[Athena]

Hey! I know this topic is a bit old, and I don't know if you'll read this Copa, but I remember you My old name is Blaat, you may remember me too. Great to hear from you! Good luck with your debt, that sounds really tough. Here the debts don't go that bad, if I graduate within 1-2 years (which I plan on doing!) then I don't have to pay most of it. Also good luck with the rest of your studies, I'm a student myself so understand it can be quite tough! I'm in the last year, by this time next year I hope to have graduated.