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How is it a false dichotomy when it is the exact situation we are in? We literally had two choices last year. That is reality.

Obama's message and demeanor are nothing short of inspirational. I actually trust humanity a little less because of the fact that for 8 years millions of Americans wouldn't listen to a word the president said, in the most indoctrinated and contemptuous way. I attribute in part the extreme...

It's all in the platform. The Democratic party is not Hillary Clinton, but she isn't what is wrong with the Democratic party. Even our "elite/establishment" Democrats believe in climate change, wealth inequality, racial inequality, relieving poverty, etc. When you look at how red states have...

It's obviously not fucking working, but half the fucking country is brainwashed into thinking that they are the patriotic ones defending patriotism and somehow so is fucking Trump! That's where we are. Your plan might be genius and save the fucking world and these dipshits would rather sink...

Republicans are majority in Congress. Donald fucking Trump is the President of the United States. How fucking high are you? If that bud makes what you say seem halfway mathematically possible, let alone the political obstacles to enact it, give me about a pound.

Didn't Bush Jr. do the same thing which gave us zero cushion during the Recession? As soon as it crashed, raising taxes on the rich was heavily frowned upon, and a large part of the debt was for the extra weight our safety nets had to bear. We should be planning for a surplus for economic downturns.

No, the rich will stop paying enough to keep our budget balanced and your kids and their kids and so on will pay the debt that accumulates because of fiscal irresponsibility and Trump's self-enriching vacations. Think about that, generations stuck with debt so Trump could make himself richer by...

Of course the college and lender knew they were going to make money, they were mandated to. Yeah I suppose I'm pretty fucking lucky lol.

Like baloon payments and reverse mortgages leading up to the housing crisis? Just like student loans, when enough people are fooled or make a bad decision, it impacts the larger economy to some degree. I think it would make more sense to end the unjust and predatory practices to help prevent...

Yeah I've got to do something to get my foot in the door. I do pretty well in interviews judging by my post-interview job offer rate, but have never made it to the interview stage in decent job in my field. Maybe it will happen, but I'm open to other opportunities too.

I'm biased but that argument isn't totally unreasonable.

That helps but even that low percentage on sizeable debts can be unaffordable with low earnings. It is interesting the min. Payment under an income-based repayment plan doesn't even cover the interest. How do they reason that?

2012. I applied for some jobs over the summer with no luck so I took a year and paid out of pocket to obtain an Office Professional certificate from the county community college. At the end of the year my wife finished her Master's in Education and we moved to an area that had a lot more...

That's awesome. I've applied for dozens of paralegal/legal assistant positions, a few court clerk openings, some non-profit organizations, and lots of random jobs that specify a poli sci degree and haven't even gotten a call back/interview from anything that offered decent pay or growth...

True. No, you're right much of the responsibility falls on 18-21 year old me. I still think people should be able to bankrupt when their mistakes are insurmountable.

I see merit in that, actually, but I just think there is room for improvement in helping set students up to pay back the loans.

It wasn't as the college that hard sold that material, but it was material used to sell me on the idea of going to college. My program didn't focus on job placement, inside it is as you say, they ignore that and focus on the curriculum. I got wrapped up in it, I enjoyed it, and after two years...

Yeah, I'm saying that many of those people are better off not going. They issued me the loan because they faced zero risk. Knowing the student is taking all the risk, there should be a more robust mechanism to help them plan a career path that won't just put them back in poverty even worse off.

Maybe I haven't seen it yet, but are saying that the school and/or lending institutions bear no responsibility for recieving/approving unsecured, subsidized loans without any assurance that they would be able to be paid back? They did literally zero due diligence to lend that money, weren't they...

They didn't promise a job but their sales pitch did mislead with false statistics on job placement rates and projected earnings with a collegr degree. There were other options, much better options, and hindsight is 20/20.