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Posted: 10/9/2015 6:42:57 AM EDT
[#1]
So some deadbeat shit who borrowed a ton of money for college for his kids wants to walk away from it.
May he die in poverty and debt. |
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Posted: 10/9/2015 6:43:54 AM EDT
[#2]
I want my mortgage erased, but I'm not a little bitch, so I pay the debt that I signed for.
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Posted: 10/9/2015 6:45:30 AM EDT
[#3]
Quote HistoryQuoted:
I want my mortgage erased, but I'm not a little bitch, so I pay the debt that I signed for. This |
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Posted: 10/9/2015 6:50:35 AM EDT
[#4]
Fine.
Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. |
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Posted: 10/9/2015 6:53:49 AM EDT
[#5]
Quote HistoryQuoted:
I want my mortgage erased, but I'm not a little bitch, so I pay the debt that I signed for. No one is disputing that people should pay their debts, but having the government essentially guarantee all loans institutions issue to students is the one reason why your post-secondary school system is as utterly fucked up as it is. Even all the SJW trigger-warning pajama boy horseshit directly stems from this one enormous market distortion. |
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Posted: 10/9/2015 6:56:00 AM EDT
[#6]
When college loans became cheap and easy colleges were quick to capitalize on the opportunity.
I have a friend that racked up a bunch of CC debt with her husband. Now she wants to file bankruptcy and walk away YET keep their house, timeshare, cars, etc. If you sign on the line you owe the dime. |
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Posted: 10/9/2015 6:56:03 AM EDT
[#7]
Proving once again that bankruptcy shouldn't even be on the books...
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Posted: 10/9/2015 7:01:46 AM EDT
[#8]
The article title is misleading, what they wantmto do is shackle me to their student debt.
They all knew the terms when the applied for the loans and they reaped the benefit. Fuck every damned one of them who wants to weasel out of their financial obligations and place them onto the shoulders of others. |
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Posted: 10/9/2015 7:02:04 AM EDT
[#9]
if he wins good, and get the government out of the unsecured debt business
democrats will have to find another way to buy votes |
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Posted: 10/9/2015 7:04:03 AM EDT
[#10]
Hmmmm ....... how did they get 'shackled' in the first place?
By borrowing money and promising to pay it back? |
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Posted: 10/9/2015 7:05:58 AM EDT
[#11]
Quote HistoryQuoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. This guy gets it. The current structure is a major reason academia and government are so intertwined. Schools should have to hold a portion of every loan on the books. Lent from its foundation. Student can declare bankruptcy on that portion of the loan. It would eliminate pointless majors and drop the cost of secondary education REAL quick. |
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Posted: 10/9/2015 7:06:31 AM EDT
[#12]
Quote HistoryQuoted: Hmmmm ....... how did they get 'shackled' in the first place? By borrowing money and promising to pay it back? |
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Posted: 10/9/2015 7:06:35 AM EDT
[#13]
Why do I even pay for shit? Id love to have that extra 3 grand per month we pay for our daughter's tuition. Maybe I should just do the irresponsible thing and load her up with debt so she can walk away from it.
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Posted: 10/9/2015 7:08:15 AM EDT
[#14]
Quote HistoryQuoted:
The article title is misleading, what they wantmto do is shackle me to their student debt. They all knew the terms when the applied for the loans and they reaped the benefit. Fuck every damned one of them who wants to weasel out of their financial obligations and place them onto the shoulders of others. That's become the American way more than apple pie. |
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Posted: 10/9/2015 7:09:38 AM EDT
[#15]
Fuck that noise.
It's a slap in the face for those of us that paid theirs off. |
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Posted: 10/9/2015 7:11:15 AM EDT
[#16]
Quote HistoryQuoted:
Proving once again that bankruptcy shouldn't even be on the books... Actually, bankruptcy (in general) is a critical component of what makes America great. It's based on a premise that the person who is lending their own money out should carry the risk of making a bad loan. Basically, it's personal responsibility. If you're an idiot and make bad loans (when you don't HAVE to lend money), the onus is on you. A lot of great ideas would never get financing if the downside was you'd pay the rest of your life. When you borrow from "the people," It's a different story. Corruption follows. |
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Posted: 10/9/2015 7:11:50 AM EDT
[#17]
Quote HistoryQuoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. This is the silver lining, although it costs a trillion dollars. I'm not sure how much of the 1.2 T would be lost in bankruptcy but if a lot of people started filing, it could open the floodgates. How many could actually qualify for relief is anyone's guess but I'd bet half of that 1.2 trillion could be wiped out and taxpayers would be fucked. |
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Posted: 10/9/2015 7:13:07 AM EDT
[#18]
So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large?
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Posted: 10/9/2015 7:14:03 AM EDT
[#19]
Quote HistoryQuoted: if he wins good, and get the government out of the unsecured debt business democrats will have to find another way to buy votes |
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Posted: 10/9/2015 7:15:22 AM EDT
[#20]
I worked and paid as I went..............nobody else paid it for me
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Posted: 10/9/2015 7:15:36 AM EDT
[#21]
these fucking people piss me off. It's called a student LOAN, not student free gift. It's not like the implied repayment is a huge surprise.
fuck that guy and others like him, hope they all get nut or clam cancer. |
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Posted: 10/9/2015 7:15:38 AM EDT
[#22]
Quote HistoryQuoted:
Actually, bankruptcy (in general) is a critical component of what makes America great. It's based on a premise that the person who is lending their own money out should carry the risk of making a bad loan. Basically, it's personal responsibility. If you're an idiot and make bad loans (when you don't HAVE to lend money), the onus is on you. A lot of great ideas would never get financing if the downside was you'd pay the rest of your life. When you borrow from "the people," It's a different story. Corruption follows. Quote HistoryQuoted:
Quoted:
Proving once again that bankruptcy shouldn't even be on the books... Actually, bankruptcy (in general) is a critical component of what makes America great. It's based on a premise that the person who is lending their own money out should carry the risk of making a bad loan. Basically, it's personal responsibility. If you're an idiot and make bad loans (when you don't HAVE to lend money), the onus is on you. A lot of great ideas would never get financing if the downside was you'd pay the rest of your life. When you borrow from "the people," It's a different story. Corruption follows. I disagree. It allows deadbeats to continue being deadbeats. |
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Posted: 10/9/2015 7:16:12 AM EDT
[#23]
Puppetry majors: pay cash up front.
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Posted: 10/9/2015 7:24:26 AM EDT
[#24]
Quote HistoryQuoted:
This is the silver lining, although it costs a trillion dollars. I'm not sure how much of the 1.2 T would be lost in bankruptcy but if a lot of people started filing, it could open the floodgates. How many could actually qualify for relief is anyone's guess but I'd bet half of that 1.2 trillion could be wiped out and taxpayers would be fucked. Quote HistoryQuoted:
Quoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. This is the silver lining, although it costs a trillion dollars. I'm not sure how much of the 1.2 T would be lost in bankruptcy but if a lot of people started filing, it could open the floodgates. How many could actually qualify for relief is anyone's guess but I'd bet half of that 1.2 trillion could be wiped out and taxpayers would be fucked. Might be worth it. It would pretty much put an end to all these college classes that are nothing more than leftist think tanks and re-education camps. If student loans suddenly became much harder to get, then only people that could truly afford it could go to college. They would also start demanding a real education for their money and flock to the schools that actually provide a useful education. The universities that require all kinds of BS classes in race and gender studies would fall by the wayside and the stupid PC mills and the ridiculous ideas they keep putting out would finally go away. No more teaching everyone that American ideals are evil and racist to generations of youths. People actually learning useful stuff again. Never mind, I'm must be dreaming. |
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Posted: 10/9/2015 7:31:24 AM EDT
[#25]
Fine with me ONLY if it damages a persons credit for the rest of their life. No nice cars or houses for you!
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Posted: 10/9/2015 7:32:22 AM EDT
[#26]
Quote HistoryQuoted:
So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large? If student loans could be discharged in bankruptcy, there's a REALLY good chance you won't get that huge college loan to begin with, unless: 1. You have outstanding credit. And... 2. You have a shit ton of money to put down. And... 3. You have a wealthy co-signer with awesome credit. And... 4. You manage to convince the lender that the education you're asking them to finance will actually result in a career with a salary sufficient to repay them. In other words, it would be like any other large unsecured loan - hard as fuck. Similarly, if easy credit like this dried up, it's almost a given that tuition would drop like a rock over time, negating the need to take out massive loans in the first place. |
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Posted: 10/9/2015 7:33:47 AM EDT
[#27]
Quote HistoryQuoted:
So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large? nope, with college loan debt subject to bankruptcy laws you would never have gotten the loan to begin with. far fewer people would attend college and those who did would do so more successfully. the world needs ditch diggers too. I think this is actually a good thing. Posted Via AR15.Com Mobile |
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Posted: 10/9/2015 7:34:33 AM EDT
[#28]
Quote HistoryQuoted: So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large? It should be treated as any other debt would. Including securing it and discharging it. |
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Posted: 10/9/2015 7:36:38 AM EDT
[#29]
How many new cars did he buy over the years? Have cable TV/internet? Bought a house?
There's a big difference between not being able to pay and not wanting to pay. |
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Posted: 10/9/2015 7:37:39 AM EDT
[#30]
Quote HistoryQuoted:
Might be worth it. It would pretty much put an end to all these college classes that are nothing more than leftist think tanks and re-education camps. If student loans suddenly became much harder to get, then only people that could truly afford it could go to college. They would also start demanding a real education for their money and flock to the schools that actually provide a useful education. The universities that require all kinds of BS classes in race and gender studies would fall by the wayside and the stupid PC mills and the ridiculous ideas they keep putting out would finally go away. No more teaching everyone that American ideals are evil and racist to generations of youths. People actually learning useful stuff again. Never mind, I'm must be dreaming. Quote HistoryQuoted:
Quoted:
Quoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. This is the silver lining, although it costs a trillion dollars. I'm not sure how much of the 1.2 T would be lost in bankruptcy but if a lot of people started filing, it could open the floodgates. How many could actually qualify for relief is anyone's guess but I'd bet half of that 1.2 trillion could be wiped out and taxpayers would be fucked. Might be worth it. It would pretty much put an end to all these college classes that are nothing more than leftist think tanks and re-education camps. If student loans suddenly became much harder to get, then only people that could truly afford it could go to college. They would also start demanding a real education for their money and flock to the schools that actually provide a useful education. The universities that require all kinds of BS classes in race and gender studies would fall by the wayside and the stupid PC mills and the ridiculous ideas they keep putting out would finally go away. No more teaching everyone that American ideals are evil and racist to generations of youths. People actually learning useful stuff again. Never mind, I'm must be dreaming. Except they won't be harder to get. Much like Fanny Mae & Freddie Mac, the .gov will continue to fund loans that they know will never be paid back. |
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Posted: 10/9/2015 7:39:29 AM EDT
[#31]
Quote HistoryQuoted:
Fuck that noise. It's a slap in the face for those of us that paid theirs off. Or didn't go because the costs were outrageous. And now it would become our tax burden. We need to get the government out of it, and make them pay back their debts. |
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Posted: 10/9/2015 7:39:43 AM EDT
[#32]
Quote HistoryQuoted:
Fine with me ONLY if it damages a persons credit for the rest of their life. No nice cars or houses for you! Not really. I have a friend with a chapter 7 who bought brand new homes and cars. As a matter of fact, it's like it never happened. |
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Posted: 10/9/2015 7:45:46 AM EDT
[#33]
Quote HistoryQuoted:
That unfairly discriminates against liberal arts majors. Quote HistoryQuoted:
Quoted:
Hmmmm ....... how did they get 'shackled' in the first place? By borrowing money and promising to pay it back? hey my women's study degree saved my life especially when she reached for the gun, I knew just the right words to say..
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Posted: 10/9/2015 7:46:53 AM EDT
[#34]
Quote HistoryQuoted: Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. Yet, somehow this is Reagan's fault. I would be all-for letting student loans be refinanced a lot easier (and have the new loan still be a student loan) which would cause all sorts of competition amongst the student loan lenders but not affect much else. Letting someone load up on debt so far that they can't handle it, and then get released from the debt exactly because they can't handle it is basically a Bernie Sanders Free Shit Army Student Loan program. |
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Posted: 10/9/2015 7:47:27 AM EDT
[#35]
Quote HistoryQuoted:
Not really. I have a friend with a chapter 7 who bought brand new homes and cars. As a matter of fact, it's like it never happened. Quote HistoryQuoted:
Quoted:
Fine with me ONLY if it damages a persons credit for the rest of their life. No nice cars or houses for you! Not really. I have a friend with a chapter 7 who bought brand new homes and cars. As a matter of fact, it's like it never happened. generally takes 10 years for a Bankruptcy to go away |
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Posted: 10/9/2015 7:51:04 AM EDT
[#36]
Quote HistoryQuoted: When college loans became cheap and easy colleges were quick to capitalize on the opportunity. I have a friend that racked up a bunch of CC debt with her husband. Now she wants to file bankruptcy and walk away YET keep their house, timeshare, cars, etc. If you sign on the line you owe the dime. University of Wisconsin has a cash on hand reserve of just under one BILLION dollars. Yet, there is all sorts of squawking about budget cuts from the republican governor. They could operate for 5 years with no more money at all, giving free tuition to everybody, or they could operate for 100 years at the current level despite rampant inflation if they used that money up. |
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Posted: 10/9/2015 7:56:54 AM EDT
[#37]
Quote HistoryQuoted:
generally takes 10 years for a Bankruptcy to go away Quote HistoryQuoted:
Quoted:
Quoted:
Fine with me ONLY if it damages a persons credit for the rest of their life. No nice cars or houses for you! Not really. I have a friend with a chapter 7 who bought brand new homes and cars. As a matter of fact, it's like it never happened. generally takes 10 years for a Bankruptcy to go away But you can walk out of court & get a new credit card immediately so it doesn't really matter to the people who use bankruptcy to walk away from their debts. |
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Posted: 10/9/2015 8:03:51 AM EDT
[#38]
Quote HistoryQuoted:
The article title is misleading, what they wantmto do is shackle me to their student debt. They all knew the terms when the applied for the loans and they reaped the benefit. Fuck every damned one of them who wants to weasel out of their financial obligations and place them onto the shoulders of others. My wife and I took private loans so we would have bankruptcy protection. They changed the law while we were still in school. We paid. This bullshit law cost us over $10k. |
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Posted: 10/9/2015 8:07:11 AM EDT
[#39]
Quote HistoryQuoted:
My wife and I took private loans so we would have bankruptcy protection. They changed the law while we were still in school. We paid. This bullshit law cost us over $10k. Quote HistoryQuoted:
Quoted:
The article title is misleading, what they wantmto do is shackle me to their student debt. They all knew the terms when the applied for the loans and they reaped the benefit. Fuck every damned one of them who wants to weasel out of their financial obligations and place them onto the shoulders of others. My wife and I took private loans so we would have bankruptcy protection. They changed the law while we were still in school. We paid. This bullshit law cost us over $10k. So you tried to ensure that you could walk away from the loan you took & it didn't work? |
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Posted: 10/9/2015 8:08:31 AM EDT
[#40]
Quote HistoryQuoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. This. I have student debt, and I'm going to pay it because I signed on the line. But if student loan debts were dischargeable, we would be better off. |
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Posted: 10/9/2015 8:10:04 AM EDT
[#41]
Quote HistoryQuoted:
Fine. Create a special category of bankruptcy just for student debt. Anybody can file and be granted relief on the spot. This would cure the insane cost of secondary education on the fucking spot. Right now lenders know it's a sure thing that they'll get paid. So money is stupid easy to borrow. Colleges know it's stupid easy to get it so they jack up the prices. Financially responsible people can't afford college while idiots run up thousands in debt for liberal arts degrees to wipe asses with. Pretty much. Yes, there is a problem with student loan debt in this country. And yes, they will try (and fail) to solve it by attacking if from all angles except the right one: holding people accountable for their own actions. |
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Posted: 10/9/2015 8:15:54 AM EDT
[#42]
Quote HistoryQuoted:
And yes, they will try (and fail) to solve it by attacking if from all angles except the right one: holding people accountable for their own actions. Including dumbass lenders? In my world, it would HURT to make a stupid loan to a young adult with little to no proven ability to actually repay the fuckin' thing. Right now, it doesn't. |
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Posted: 10/9/2015 8:19:05 AM EDT
[#43]
Quote HistoryQuoted:
So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large? The point is that the education would not have cost $300k without the market distortion this law created. |
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Posted: 10/9/2015 8:21:01 AM EDT
[#44]
Quote HistoryQuoted:
If student loans could be discharged in bankruptcy, there's a REALLY good chance you won't get that huge college loan to begin with, unless: 1. You have outstanding credit. And... 2. You have a shit ton of money to put down. And... 3. You have a wealthy co-signer with awesome credit. And... 4. You manage to convince the lender that the education you're asking them to finance will actually result in a career with a salary sufficient to repay them. In other words, it would be like any other large unsecured loan - hard as fuck. Similarly, if easy credit like this dried up, it's almost a given that tuition would drop like a rock over time, negating the need to take out massive loans in the first place. Quote HistoryQuoted:
Quoted:
So take out a huge college loan for the best school you can attend to get the best education you can, graduate, declare bankruptcy, get loan debt erased, get a good job with your free $300,000 dollar education, spend the next 5 years rebuilding your credit and you are living large? If student loans could be discharged in bankruptcy, there's a REALLY good chance you won't get that huge college loan to begin with, unless: 1. You have outstanding credit. And... 2. You have a shit ton of money to put down. And... 3. You have a wealthy co-signer with awesome credit. And... 4. You manage to convince the lender that the education you're asking them to finance will actually result in a career with a salary sufficient to repay them. In other words, it would be like any other large unsecured loan - hard as fuck. Similarly, if easy credit like this dried up, it's almost a given that tuition would drop like a rock over time, negating the need to take out massive loans in the first place. Should have just kept reading.
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Posted: 10/9/2015 8:21:08 AM EDT
[#45]
I pay $300 a month and have for the last 25 years...still owe 7k..I hope he rots homeless on the street corner.
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Posted: 10/9/2015 8:21:26 AM EDT
[#46]
Quote HistoryQuoted:
Yup. University of Wisconsin has a cash on hand reserve of just under one BILLION dollars. Yet, there is all sorts of squawking about budget cuts from the republican governor. They could operate for 5 years with no more money at all, giving free tuition to everybody, or they could operate for 100 years at the current level despite rampant inflation if they used that money up. Quote HistoryQuoted:
Quoted:
When college loans became cheap and easy colleges were quick to capitalize on the opportunity. I have a friend that racked up a bunch of CC debt with her husband. Now she wants to file bankruptcy and walk away YET keep their house, timeshare, cars, etc. If you sign on the line you owe the dime. University of Wisconsin has a cash on hand reserve of just under one BILLION dollars. Yet, there is all sorts of squawking about budget cuts from the republican governor. They could operate for 5 years with no more money at all, giving free tuition to everybody, or they could operate for 100 years at the current level despite rampant inflation if they used that money up. UGA is the same way with a massive bank account and a huge football budget . Yet they keep raising tuition |
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Posted: 10/9/2015 8:23:18 AM EDT
[#47]
Good, the bankruptcy restriction on discharging student loans is retarded, or I guess I should say not in line with the rest of american jurisprudence. Same with the laws that there is no statute of limitations on student loan lawsuits.
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Posted: 10/9/2015 8:25:16 AM EDT
[#48]
want something, but doesn't want to pay.
College. Loan. Bankruptcy. Sex. Pregnant. Abortion. Everything for free!!!!!! |
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Posted: 10/9/2015 8:25:24 AM EDT
[#49]
Good, and loans have interest which has a default risk premium building into the rate so that's how finance works.
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Posted: 10/9/2015 8:27:18 AM EDT
[#50]
get the government out of it entirely and this will self correct.
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