Student Loans - Meme Degrees

>>132598220
Degrees are a meme now, academia is a shitshow. If you go to university to get a job, you're at the wrong school.

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Anyone else have massive interest on their loans that makes it impossible to repay?

>>132599125
>>132598220
>implying all of this isn't going to get written off after the next GE
What degree did you get? If you say comp sci, IT or networking you should kill yourself for not thinking ahead

>>132599125
Nobody's making you take it. Not the jews fault you get a shitty degree and you parents are poorfags and won't pay for it

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>>132598220
Social worker for a 3k $ bachelor, with starting pay at 53k $ , easy life I work for the kikes now suckers thanks for state pay wagie

>>132598220
bump

>>132602152
>>132601714
They basically are making you take it. Every school and sixth form shilling constantly for "Uni".

Even indoctrinating the parents as well.

Unlike poorfags, I was smart enough to fuck the Jew banks.

I took out the maximum amount of federal subsidized student loans for 6 years of college with no intention of ever paying for them. I also applied for and maxed out some 2 dozen credit cards. These fake shekels paid for 100% of my undergraduate and graduate degrees while also covering my living costs, a car, and a fuckton of CO craft beer and medicinal marijuana. To fuck them even harder, I applied for and received unemployment benefits (thank you, nigger president), including $200/week in food stamps.This is what keks me the most, though: I come from a white upper-middle class home.

I guess I spent something around 300k shekels. Best time of my life.

>>132605142
>poorfags
>living off credit
>bragging about accruing 300k debt

You're so fucked, dude. The Jews will own you forever. You better be prepared to grease up Shlomo for the rest of your life.

>>132605142

You're fucking retarded.

>>132605142
>not going full kike
Declare bankruptcy. (For a uk citizen) Its hands down the best thing you can do.
>nothing you need to live gets repossessed - this includes TVs, computers, kitchenware, furniture etc
>debtors can't harass you
>after a year your bankruptcy status ends
>bankruptcy blip leaves record after 5 years
>no banks are allowed to discriminate against previous bankruptcy
>only student loans are kept - these get written off after 30 years anyway
The only downside is that you can't earn more than a certain threshold each month which is normally something like rent + taxes + utilities + £1,000

>>132598220
>>132601714
I think you anons have this meme backwards computer programming is the one where Shlomo has to pay you a ton because Pajeet can't do the job right

i went into a little debt. but does it count if the whole time i knew mumsy wumsy and daddy were going to pay them off anyway?

Half the people I knew dropped out because they got jobs coding and they didnt bother with going back to marxist camp after 2nd or 3rd year.

Forgot the most important thing...

I don't live in the US anymore. For all the Jews know, I'm unemployed in CO. My salary goes to a Gookistan bank account. We visit home once a year just to see white people, Jews and niggers again like visiting a zoo.

>>132598220
Tell me /pol/

I want to be a k-12 teacher, teaching history. The only way to obtain that is through a degree. On top of that, I've attended community college for free the first two years, to cut out half the debt.

Will I really find no jobs?

>>132606091
The degrees I listed don't teach you how to program properly. Which is why they're stuck having to compete with Pajeet and why I'm paid so much to come and do the job after they fuck up.

>>132598220

Fell for the degree meme and, even worse, fell for the Postgrad meme and did 1 year MRes and 4 years PhD. After that expensive wasted 5 years I discovered there are basically no academic jobs in my field (History), which is flooded with US PhD holders with more teaching experience and more publications, and my best career prospect was to become a secondary school teacher. I could have done this 5 years earlier and am now permanently 5 years behind where I could have been in terms of seniority, pensions, and payscales.

Only about a third of sixth formers I teach are intellectually suited for serious academic study, and to be honest the economy probably only needs 10-15% to do three/four years full time study. I have to promote university to my students but I do tell them to choose their courses carefully and that it might not be a bad idea to take a gap year working to earn some money first. Hope that in the meantime they decide they enjoy work and being a productive member of society, and decide to blow off their useless degree or at least study something with real prospects.

If I had my time again I would join the Armed Forces after my A-Levels.

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$75k debt, accounting degree.

>>132598220
Programming is a valuable skill which should able you to make a living if you applied yourself. Why complain when it's on you?

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>>132605142
You fucked up

I am going to do applied software engineering, is this a wise choice?

>>132598220
>Tell me /pol/ how badly did you get tricked into getting a degree and becoming a Jewish piggy bank?
I don't know, you tell me

>How much did you pay for the degree meme?
Nothing. Some administrative fees, but they are counterbalanced pretty much entirely by free public transport.

>inb4 you're paying it back in taxes
I'll leave this shithole of a country after I'm done with my degree, so no.

>>132598220
In the US most HR depts at large companies throw out any resume without a 4 year degree.

Even dumber it doesn't even matter if the degree is in botany and you are applying for network admin.

>Bachelor degree is the same as a HS diploma 20 years ago. Minimum requirement, something is wrong if you don't have it.

>Makes an easy way to weed out 2 out of 3 resumes when HR with their meme degrees can work less when facing a stack of 500 applicants.

>>132598220
Psyche nurse degree is superior
>Bursary & loan I need never pay back
>Make sure commies stay locked up in secure wards for the rest of thier lives
>Jobs everywhere, bank shifts starting at £36p/h

>>132607648
>i want to be a web developer but i want to waste £50k to do it
Its a meme degree.
>first result was cardiff uni
>its a BSc
Assuming you're going there, look at the ones that give you a BEng: Integrated, electronic and medical engineering look like great options

>All these data entry degrees

How come the hindus are doing better than Americans in America?

> Mortgage, car debt, credit card debt..
> The ass-fucking has only started, young jedi

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This thread is the reason why I cannot afford to take out loans by any means. I don't have a GED or anything, so I can't just jump into indisputable debt blindly.

>>132608315

>not paying off your CC in full at the end of every billing cycle

Shiggity diggity.

>>132607389
Aren't those really good once you pass that accountants test though?

>>132598220

>Paying for your own tutition

If I didn't get hefty scholarships with my parents paying for the remainder, I would never have gone.

They probably spent around 40k in total for tuition.

To top it all off I ended up with a degree in English with a minor in Philosophy.

AMA

>>132608356
Have you considered requistioning some items for personal resale?

>>132608559

How's working at Starbucks?

>>132608266
H1B

>>132607190

what degree do you recommend instead of those you listed

>>132605142
Fellow CO student loaner. You do know that student loans are one of the few debts that cannot be discharged in bankruptcy right?

>>132608356
Get a GED, I dropped out in 5th grade and got mine in a year.

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>>132608605
I'm not good at flipping, nor do I have a workshop to repair much.

>>132608356
lmao wtf someone put styx on wherever that is

>>132598220
Get that anchor around your neck, live on rent in slums, work at McDs after your cross cultural African studies at the art college fro 4 years.

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>>132609027
It's been my home for the past decade.

>>132608628

I work in manufacturing doing IT and materials management. Right now I'm running a fluid dynamics simulation for a piping system.

I'm salaried w/ full health/dental and retirement benefits.

I get to write the company newsletter though. Good to see that tuition paying off.

>>132609088
What the fuck? That's the best you can do? How old are you?

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>>132609168
>That's the best you can do?
Given my lack of accolades, yes.

>How old are you?
Mid 30s.

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>>132608496

The CPA exam? Yeah, and I'm working on it now, but the profession as a whole just sucks the life out of me, and I'm only starting at $50k.

I think things will get better eventually after a few years though, at least financially.

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>>132608752
This!

I work for TruQua.com in Shitcongo

They use third world losers with H1B to keep costs low. Literally have to train them from ground up. They even have a lawyer whose full time job is keeping H1B employees up to date.

Fuck Chicago startups. They are all either like this or they offshore to Poland when there are tons of white Americans with CS degrees and experience.

>>132598220
u are in Europe, why u dont just study in other european universities french or german universities for a fraction of cost compared to universities in UK or US

>>132598220
>Tfw when ivy league degree in computer engineering
>Tfw no debt

You mad?

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>£200 a month interest is only fair goy. What do you mean the repayments will never deal with anything other than the interest.

>You signed the contract. Haha stupid goyim.

When will the race war start?

>>132603852
As a youngun, you can be excused for not knowing anything about how the world works, but your parents should know better and should be telling you when something's a good deal and when it's not. And the fact that they're not is a big failure of them to look out for you.

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>>132609292
Dude. Quit posting these lame WalMart pics on every job thread.

Learn2something

>>132605509
There's an old saying, if you owe the bank a small sum of money, they own you. But if you own the bank a large sum of money - you own them...

I'm not saying what anon did was right - but it does make a certain sort of twisted sense if you think it through...

>got a full ride nrotc scholarship
>owe the Navy 10 years of my life
>but I get to wear pajamas to work and fly so worth it
>only regret is that I majored in comp sci instead of something I would have enjoyed like History or PoliSci

>>132606845
Any time you cross a jurisdictional boundary like that, collecting on something that's essentially a civil matter becomes almost impossible. I don't approve, but I understand :) Considering how douchey most banks are these days, I really can't sympathize with them too much.

>>132607389
Assuming you get your CPA and work for a public accounting firm, you can pay that back.

Several of the new hires we have hired over the past decade have that much or more student debt, especially if they are coming from a poorer family and are working their way up the mobility scale.

If you didnt graduate toward the top of your class and you end up becoming an accounts payable clerk somewhere, you are fucked.

>>132598220
25000 for CS degree at state uni. Stop going to IV League fools

>>132608025
It is stupid, but they're drinking from the firehose and they're looking for ways, any ways to restrict the flow to something they can actually handle. Add in that most HR people are kinda dumb to begin with and there you go. It doesn't have to actually make sense either, it just has to *sound* reasonable when someone asks them why.

>>132608559
your parents should never have paid for you to waste your time.

majoring in your native language, stupid
minoring in a what if scenario, stupid

a degree is to set you up for success in life, and you failed

>>132605142
What's your end game ? Deadly dose of meth, a noose, gun ?

>>132608884
He doesn't care - he's skipped town.

>>132608782
Any degree that focuses on microcontrollers, computer architecture, VHDL & FPGAs, real time embedded systems and a little bit on networking. So EE, CompE and maybe a networking one depending on the university. A university that offers something similar to this will give you enough knowledge to work on every current system you come across and how to interface with it correctly.

>>132609307
Get your cpa exams and do 3 years of public. Jump to industry and make 6 figures doing some cake gig. Exactly what i did. Also just fork over the cash and use becker

>>132610386
as a CPA who used Becker, I agree with the Becker statement

it wont teach you how to be a CPA, but it will teach you how to pass the exam. I passed all 4 on first try.

>>132598220
~£62k neuroscience.

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>>132598483
yeah, engineering and science degrees are totally meme
same thing with law and medical degrees that are required to practice legally
>just another NEET pushing the "degrees are useless" meme

>>132608782
get an EE degree because you will learn all the theory that underpins simple power systems, electronics and you will learn to code as well

CS is semi shit-tier unless you are planning on continuing to grad school

>>132598220
To this day I still don't see how people can get that far in to debit. I am taking my final semester for college in fall. My total tuition was 13k but I applied for scholarships and grants and everything else I could. I have actually been getting about 2k extra a semester and my tuition is paid. You just gotta jew the system yourself.
Maybe choosing a trade helped? I do not really know but I am getting a free Associates degree in welding from all of this.

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>>132610009
>>132610386

Thanks for the encouraging words gents, it's reassuring me that I made the right career choice. I'm starting in a Big 4 in October doing Tax.

And yeah, I'm actually studying using Becker right now. Trying to get Financial out of the way first, as I hear it's all downhill from there.

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You need to be a fucking idiot not to be able to take advantage of university.

But then again, this is /pol/, so it is almost guaranteed those complaining about student loans are idiots.

>>132609628
i like Breakroom's posts
the dude is a sober dose of reality

>>132608315
>not withdrawing cash during 0% interest period and putting it into high interest savings
>shiggy diggy

>>132610900
Becker kept telling me that if I failed one section, it would be Financial. So I studied and studied Financial until I knew it inside and out. When i finished my exam, I fucking KNEW I aced it. I got a 98.

I felt really confident going into audit and almost fucked myself. I barely passed with a 75, but I thought I failed it.

So I guess the lesson is to over study, convince yourself that you need to study more and just fucking ace them.

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>>132609602
It's a full indoctrination system. Parents come in with concerns, especially when the system changed and the fees were raised to £9000 a year, they soothed their concerns with meme charts. Interests rates at the time were so low it wasn't an issue, even though the had neglected to outline how ridiculous the cost of interest would become. They told us how under the new system the repayments would be easier but neglected to show how it could never be repaid, committing a generation of poor kids to a lifetime of interest usury.

The whole system is setup in the UK to funnel kids into the University debt system, wow them with the wonders of "uni", make them feel like if you don't go you are missing out, give their concerned working class parents soothing presentations on how it is the best thing to do for their kids future, all the while treating the loan application system as just a formality.

Nobody was saying when i went that a decent portfolio of work and a track record of successful real world experiences is worth infinitely more than some expensive meme paper and silly hat.

The best part is how many people i went to university have come out with no real marketable skills. I went to become a software engineer. I came out with a 2:1, but the amount of people that came out with First Class degrees and are incapable of doing the thing they studied for is mind boggling.

Also the world does not need the 10's of thousands of phycology grads that the UK produces every year.

I know this post sounds like bitching, but we were all suckered into it. Working class parents that had never gone to university having their minds propagandized to that despite the debt this would give their kids the best shot in life. And a generation of poor kids being told that if you don't go, you are a failure in life, without a degree you are destined to work stacking shelves or some other meaningless soul destroying job.

This whole thing is giant government debt scam.

$60,000 AUD to tell construction workers what to do and order materials.

>>132606845
Good job. I wish I was ballzy enough to do thing

>>132611490
Wow.
About parents:
Mine were just clueless and never gave me any useful job or career advice at all. And my parents were decently middle class in the united states, it's just weird how they never sat me down and said, 'you need to make money' 'here are a few paths you can follow'

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>Everyone shitting on CS degrees
I got hired 2 days after graduating this year with a CS degree.

You hear horror stories of people being unable to find jobs in CS, this is because they literally coasted through their uni courses doing the bare minimum and they can't do basic algorithms. What you are hearing from these people is the same thing you're hearing from the art major Starbucks baristas, because they both put in the same amount of effort.

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>>132610884
It's just how the uk system works.

Considering how many people have gone and gotten completely unusable degrees, if they never earn more than the £21,000 repayment thresehold, within 15 years their debt will be more interest than loan. This is bad for everyone.

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>Did journalism degree in college
>Parents paid for college (including expenses)
>Learned webdev/design on my own
>Did important marketing certs on my own in my spare time
>Worked a butt ton of internships, threw my heart and soul into them
>Networked like a motherfucker
>Now make six figures at 24

I think I did alright

>>132612092
Believe it or not, plane tickets do exists.

>>132607115
As a teacher yes, probably. Where I live there are too many teachers that most live their whole lives working other small jobs waiting for a job opening. I live in Canada btw so when government adds too much pay for a shit tier job this is how it is

>>132598220
stem here

feels good man

>>132611969
I always have to assume that parents are just not involved at all when kids are out paying 100k for a liberal arts degree

I have 2 kids and preach the importance of earning a marketable degree all the time to them.

I wont pay for them to get a liberal arts degree

>>132610245

I was already set in life so I had the luxury of choosing my major. The plan was to go to law school straight out of undergrad, but I like working. Some of the most wealthy people I know are lawyers with English degrees.

Majoring in a foreign language would be retarded. Why would I even try to master another language when English is the Language master race?

>>132598220
Stop complaining you fag.
>Pay a fixed percent of everything over 21,000
>If you've not paid it off in 30 years the government writes it off
>It doesn't affect your credit rating
There's literally no reason not to go to university.

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>>132611977
Interviewing next week. I hope i can be as lucky as you. Any tips other than don't be a total fuckwit who can't actually code?

>>132612451
I should of gone to a dutch university, they have/had some great schemes for foreign students.

>>132612701
English majors have a higher acceptance rate to law schools than "prelate" degrees do.
All you do in law school is read, and a English degree trains you for that

>tfw when you live in scandinavia
>tfw I can get as many degrees as I want, for free

>>132611977

This, there are plenty of jobs for competent people.
Idiots think that just going to university is enough to get a job, but university just gives you the opportunity to get competent, you still need to do the work.

Also, university opens many doors which are normally closed for people without degrees.

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>>132612814
> Paying for a meme well into your 50's.
> Not a scam.

Pick one.

>>132598220
Use the information in this thread to get out of student loan debt if you are in the US.
The thread was posted a few days ago and is expired but it's filled with good information.

>>132224479

>>132611977
Absolutely this.

There are a ton of programming jobs out there, many with lush benefits and a hich pay bracket. But they don't hire under-achievers and the unmotivated. So what if you have a CS degree? You won't have even learn a fraction of the skills you need for those jobs from your university. Those skills are something you have to research into yourself. An university degree shows two things:
>commitment to your studies
>debt - so you'll be a compliant wage slave

My goal is to find out what the most common skills that are requested in programming adverts, learn them, build my own site and provile examples of me applying my skills. Then I'll bait in the employers via Linkedin and sit back as they run through their little checklist and see that I can hit the marks.

>>132607115
Our neighbor is an elementary school teacher. If north florida is similar to your situation be prepped for major depression. She makes like 35k, gets stuck with the worst kids and is at the bottom of the totem pole. Says all of the older teachers treat you like shit and you're about guaranteed not to have summer class because they scoop them up.

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28k, probably ~50k when I graduate in mech E

I kinda got dicked by my university who didn't let a lot of my credits transfer, even though they told me on phone that they would. But I didn't have proof so I had to retake a bunch of shit, and it really took a toll on my finances. (Although I came out of my previous university with a surplus since I lived with my parents lmao)

That being said, I'm probably just going to be a six year graduate. I haven't done any noteworthy projects and I don't want to go into a saturated market with only my senior project on my resume. I'd rather just take two years, focus on getting good grades, get an internship next summer, and have a good time for the next two years as opposed to a miserable one for the next year.

It's all a big fucking scam and I contemplate suicide everytime I walk to school and see a bus I could just easily jump in front of and most certainly die

So is there any way to get a large loan for someone without even a GED? At this point, I just want to screw this kike system over as much as possible --take their money, live high for a couple years, then kill myself. All that debt will likely fall on my back-stabbing family, so no worries there. Any ideas?

>>132613099
Home ownership meme

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>>132613056
t. Student Finance England.

I went to university in the 1990s. No fucking way would I go now.

Back in the 1990s it was actually true that if you got a decent degree (2:1 in more or less anything) you did stand a decent chance of earning a good living after graduation, and did stand a good chance of having lifetime earnings above the average.

It is categorically not true now. You keep being fed old 1980s economic data on graduates as if it is true for today. You are being scammed.

Back in the 1990s the proportion of UK 18 year olds going to university was still relatively low enough to make you competitive upon graduation. Now the proportion is far too high, and you are also competing with a full generation of previous graduates. Unless you do a degree in a very, very, narrow set of fields, or you get a degree from Oxbridge, you are just setting yourself up for a massive debt burden and very little chance of earning above average over your lifetime.

In short, if you are white and working class and you go to university now you are a mug.

Go learn a trade - you will earn more. You will not be saddled with debt.

And if you have recently graduated and have a huge debt pile - forget your degree and go learn a trade. You will earn far more as a plumber, or spark, or even a kitchen fitter, than you will from your degree. You have been mugged off by the state. Don't bother bleating, because no-one cares. But do remember that the state doesn't give a shit about you and therefore you have no fucking reason to give a shit about the state.

>>132598220
Wait I thought university and healthcare and all that shit was free in the magical kingdom of Europe!

>>132598220
>Meme Degree
I'm not a moron, so no

So far I have spent £124,000 on further education in my efforts to become a published novelist. I have a BA, two MAs, and am now currently studying for a PhD in Creative Writing. I have only ever worked minimum wage jobs which have barely paid rent, which means I've had to take loan after loan which I am also still paying off. I am now 36 years old yet all I've ever published is a piece of flash fiction in an internet e-zine which is now defunct. What the heck do I do? Why won't someone help me? This system is rigged entirely against vulnerable and sensitive individuals like myself.

>>132613609
Jesus fucking Christ dude, just go into marketing. We need good copywriters.

Or you can go into teaching.

Point being, just work on your novels on the side. I like to write too, it's a fun hobby, but I do it when I get home from work.

Does anyone else find it wrong debt is so hypernromalized and the average person is complete and utter shit at finance? I didn't fall for the uni meme since I had health issues but I was completely persuaded off from going since teachers kept emphasizing how the lifestyle is worth it and how if you don't have a degree you're going to have a shit life because of Blair spouting that crap in the early 00s.

>>132611490
>>132603852
be adult
>able to buy cigarettes
>able to buy lottery tickets
>able to marry
>able to sign up to get shot in the face for your country
>able to sign contracts
>able to take out mortgages
>able to take out car loans
>still can't make the decision whether or not to take out thousands of dollars loan

>>132613609
hahahahahaha.

That's one thing for sure. Kids nowadays don't have half the common sense of previous generations and don't know half the basics that previous generations had.

If you are wasting money on degrees to learn to be any kind of writer you are just a mug.

You learn writing by writing. Not by giving money to some cunt who talks to you about writing.

>>132613502
This.

>>132613464
That is a whole other societal meme. Who else unironically waiting for the collapse?

>>132613609
Follow your dreams goy.

>>132613862
Usury is the best meme.

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>>132611001
Just doing my service to show others what they could end up as if plans in life don't work out.

>>132613397
Another HS dropout? I thought I was the only one around here!

>>132614043

I wouldn't be surprised if some shitty policy was introduced where citizens born after a certain year are immediately placed into debt after birth and they have to work it off throughout their entire lives. That's China tier.

>>132613525
The loan is usually very forgiving, it was free for all boomers in aus, so lots of them didn't mind paying for their kids. But OP is right, I got jipped several grand before I wised up. And on more than one occasion they taught me discontinued languages for legacy software.

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>>132613609
AHHAHAHHAHAHAHHAH

>>132598220
well you literally can't be a lawyer with out proper qualification, so no news were involved in my decision, plus went to public schools.

>>132613267
look at it.

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BA in psychology

My tuition was free because my mommy worked at the university, I've been NEET since I graduated two years ago

>>132614329
Maybe you shouldn't have been a fucking retard to take out shitty useless loans then.

>>132601714
the left won't win again for decades

>>132598220
not at all, masters in engineering. Would rather have been paid than be made to pay for it though.

Just don't pay the loan. Your credit score may get hit severely but you stick it to the kikes who thought lending money to you to get indoctrinated was a good idea. Better yet. Don't ever pull out any loans of any kind.

>>132614226
Dropout, disabled, and homeless (crashing at friend's place). Can't get any benefits from gov or state so I might as well screw them over before I off myself. Maybe I should just take out a bunch of credit cards...

>>132614673
an engineering degree usually pays for itself.

several of my neighbors are mechanical or civil engineers and I work harder as a CPA than they do for similar money

>>132614043
>>132614284

For those Brits who don't know, the niggers and pakis grab all the loans they can get because they see it as free money. They have no intention of every paying anything back. White boys might be mug enough to pay, but the niggers know they ain't likely to be front of the queue for good jobs so they just don't care.

It's another nail in the British coffin. Enoch Powell was right, but you won't find many books in university libraries that say so. Plenty that tell you that white men are bad and racist, but none that tell you that non-white mass immigration and multiculturalism has not, and does not work. It is as if the cunts that write those books have no conception of British history. Don't know that the blacks and browns hate us because of what we did to get and hold the Empire. Don't know that the blacks and browns think it is fair game to rip us off for every last penny they can, and all the rest, because of our history.

>>132598220
Maths and stats god tier degree here. My parents pay. Pretty nice, desy.

>>132614883
So Brits are just as cucked as bergers?

>>132614820
I know, I can see two routes my life will take as a grad who has been working for a couple of years based on what usually happens to engineers

1. Work my arse off building knowledge and skills and networking then start my own, most likely highly successful business. Extremely high stress but will retire a multi-millionaire after a satisfying life, children will be very well catered for and will have left a legacy

2. Settle into a comfy minimum effort 9-5 life and be on £40k+ in a cheap area within 5 years, continue at a relaxed pace for the next 30 years and retire on ~£70k with a very generous pension

I will go for 1 because the other option has no appeal to me, but most people do take that route

>>132614726
Disabled?

You are fucked most ways so turn to crime. It's rational to do what you need to do to survive. Just don't be an idiot about it.

Over £50k of debt by getting memed into doing an Environmental Science degree.
Now I'm fucked since Brexit means the UK will likely lose out on all the lefty science funding

>>132614883
Buy guns from czechia and kill liberal children.

Kill the children. They reproduce slowly. Its the only viable strategy

>>132611490
>It's a full indoctrination system.
at 18 you're a fucking adult. the only "indoctrination" problem is christian elementary schools teaching children about stupid shit like creationism and how mutilating your child's genitals will please your vengeful god

>>132615578
Yes. Our politicians used the US loans model as their ideal. Without any regard to what is in the heads of the people here. Because our politicians are shit.

>>132613862
>Does anyone else find it wrong debt is so hypernromalized and the average person is complete and utter shit at finance

https://www.moneyadviceservice.org.uk/en/corporate/four-out-of-10-adults-are-not-in-control-of-their-finances-new-strategy-launched-to-improve-uks-financial-capability

>18 – 24 year olds are lacking financial skills across the board:

>24% do not keep track of their income and expenditure, compared with 19% of all UK adults
>29% buy on impulse, compared with 20% of all UK adults
>59% cannot calculate basic interest compared with 40% of all UK adults
>Only 45% are confident managing money, compared with 57% of all UK adults

Is it any wonder this demographic votes Labour?

>>132615686
No. Doing a Breivik is not the British way.

Killing wogs is in our blood though. As a nation we are very good at it.

>>132609749
You have to be billions in debt for that to work idiot.

>>132615653
15 fused vertebrae and chronic pain disabled.

I'm not fast enough to run from cops. Fuck survival. There's no point in survival if you're just going on to survive in a miserable way.

My life's shit, world's going to shit, couldn't give a shit. At this point I just want to live well for a few more years then suck some lead candy.

If anyone has any good ideas, please share. For money, not suicide. That one's easy.

>>132616220
There are all kinds of crime...

The crimes that pay are 'white collar' types nowadays. No money in robbing banks or any of that shit. There is money in fraud. Find ways to rip off banks with complex frauds or electronic fraud (cyber cirme type shit through to credit card frauds) and the pay to jail ratio is very good.

>>132615665
This is the kind of shit I'm talking about.

>>132616094
Browns outbreed youvfasterRthan you can kill them. Youre trying to save a boat by getting the water out with a bucket. You have to plug the hole.

When the liberals are dead they wont be coming back. You think they will demand lower taxes and white schools for their kids?

They will just submit to sand niggers and not breed any more.

>>132605890

>Not realizing student loans are insolvent

>>132598220
220€ per half year, so if I finish in minimum time, 2200€. Not counting living expenses, since I'd have them anyways.
Not on loan though, but from my parents, small jobs and rent from a piece of land I own.

Luckily, germany isn't as backwards as UK and US when it comes to the educational system, even our "student loan" system (BAFöG) is far more relaxed - and almost noone needs that.

Guess the title of technologcal masterrace is save - at least until the chinese manage to catch up.

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>>132598220

Failed to get a returning offer with salary of $80k + 10k bonus. $30k in debt. I am a neet

>TFW when I want to kill myself

>>132610851

an EE degree will not give you the same experience coding that a SE of CS degree will. not unless you major in computer engineering and even then you would be expected to work in hardware roles not software roles.

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I've never been to college or university because I've never had even the slightest clue what I want to do with my life and didn't want to end up on some meme degree and waste money.

Should I just do something in STEM and see where that takes me instead of wasting all my time at home?

>>132598220
>> Tfw I was tricked into £50k ($65k) to write software.
Run. They can't collect from the US or Canada.

>>132617303

do a first year of general engineering. you should be exposed to enough subjects that you will figure out what you like best.

>>132616482
Guess I'll figure out credit cards, then. Cheers.

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>>132598220
>bamboozled into 'business degree' (the irony)
>dropped out 2 years in after realizing what was going on
>13k debt
>it's taken me nearly 3 years to pay it off
About 600$ smackeronis left to go, the thought of some debt trader reeing keeps me warm at night.

>>132616974
Bad luck Fritz. Merkel has ruined your future.

Soon you will realise that you are saddled with paying unlimited amounts for the rest of your life to keep 'refugees'.

The 'refugees' meanwhile hate you and just want to rip you off for everything they can take.

So your wife? She's a target for rape. Your children? Bullied and raped and all the rest by your 'refugees'.

And all the while the 'refugees' just keep sucking at your German money teat until they are running things. And Germany no longer exists. You'll just be an extension of Turkey.

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>tfw my parents pay for my education and I don't have to deal with any of this shit

>>132617193
it will give you a better foundation for the principles of CS
all that other shit you learn about SE will be easier to pick up on the job
once you learn underlying theory it's easy to pick up the rest because what you do in a programmer job is essentially trade skill
there's a reason the ACM is run by the IEEE

>>132614883
why don't just white brits defect to russia once they have got their education? russia wont give a fuck about enforcing loans for british banks, and the white brits get to fuck over the system that was trying to fuck them.

>tfw studying history education in hopes of becoming a history degree
>not going after a business degree because Im scared I don't have the skillset to compete in a corporate environment because I'm a loner with no friends
>no student loans because my parents aren't poor and had 4 kids

Seriously, studies have shown you just need a middle class income to put your kids through college.

I haven't paid a dime. Not even for joining my fraternity either

>>132598220
I didn't get tricked or milked
The state pays for education here and thus ebil jooes can't take advantage

>>132617303
No. You should not go to university at all. Don't be a mug. Go learn a trade.

>>132617705
Teacher *

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>>132601714
>comp sci
That's me alright. Fuck SLC and fuck university people!

>>132617695
Nah. We want our country back.

We have hope for Brexit. After Brexit we can reconnect with our history. Remember that the 'white commonwealth' is the bit that matters. We may need some help from Aus and NZ to set us back on the path of common sense and good reason along the way though. Remind us of who we really are as a nation and all that.

>>132598220
Hopefully I will be able to leave the country within the next two years

I don't intend on paying Student Finance a single penny, I will never declare my income or contact them

Eat shit :-)

>>132613609
My heart rate rose significantly while reading this

>>132617691

at my university first year software engineers do the same subjects as first year electrical engineers.

the only difference is 2nd,3rd,4th years where EE goes into power electronics and signal processing and SE goes into databases and systems programming and advanced algorithms.

the exception is computer engineering but even then the focus is on hardware not software. i.e. FPGA's and verilog.

i still think if you want to code, go into CS or SE. if you want to build computer hardware or consumer electronics go into Computer Engineering. if you want to build radio towers or work in power engineering go EE.

>>132618100
This country is dead mate. It's never coming back, and will never see any glory days ever again. If you had any brains you would leave this sappy, metropolitan-wanker filled grimy nightmare of a nation

>>132617707
Yes, but France is just as ruined as Germany, Italy, and Greece now.

Your future as a graduate in France is holding up the white French man's burden. You must carry the cost of the migrants from Africa and all the rest on your shoulders. You must endure all the miseries of it. You must let them murder you and your fellow French men and women in the name of the EU and the EU version of 'equality'.

Your degree is worthless if there is no France.

>>132618389
NO SURRENDER.

Get you some backbone. Away and hang around with some Ulster protestants until you learn to love our country again.

>>132602677
Financial freedom means being able to get away from savages. Being a social worker defeats the purpose.

>>132618666
What is there to love? I live in the North West and I've never viewed it anything more than a grimy, fat, drunken, Labour-voting shithole.

Any serious change to fix this country is pointless because of our tribal voting patterns, which would take an extra 20 years to end as boomers die off.

There are parts of the UK that are majestic, but they are inaccessible to be because of house prices, and only serve as white islands which are slowly eroded by a brown tide.

I am going to leave and renounce my citizenship, and I will never look back

>>132607375
>PhD in history
Did holocaust happen?

In US unemployment in engineering is like 10% so not much different than other degress

>>132619032
If you carry on with that defeatist attitude you will be easy fodder for the Mohammedans to pick off.

Hold your nerve man.

>>132603852
Nobody made you take shit, nobody made you choose a degree that had no outlook, nobody made you choose a degree that you half-assed researched. Take responsibility for your failures instead of trying to make them somebody else's fault faggot

>>132619168
Not Britain's problem.

Our history is much spicier than the Krauts' anyway.

>>132619325
To fix this country and Europe as a whole would require a literal civil war. It will not be fixed by (((social democracy))), and any attempt to defend this is a delusion.

The future of this country is mirrored in Brazil

>>132605890
Declaring bankruptcy will not absolve him of his student loan debt bong, ((they)) already thought of this

>>132607375
Go
In now as an officer on submarines.

60k plus after 5 years.

>>132619545
>It's your own fault you were brainwashed as a child

It takes experience to learn things, you can't have this knowledge at 17

>>132619724
I refer you to the very wise words of Enoch Powell.

What makes you think civil war is not coming?

>>132610851
It really depends on what degree you're going for. Law and Medicine degrees are a necessity while other degrees really are just a bunch of useless memes. I'm lucky that i live in a country where my government pays for my degree so i can study the most useless shit without owning some Jewish banker a lifelong debt of slave labour.

>>132598220
>BAccy and MAccy from top accounting school in the country
>parents paid for it because they're successful pharmacists

>>132613351
Exactly this. I knew that CS that uni would not prepare me at all for industry. So I put all my time into creating projects relevant to the field I wanted to work in, which is Android development. I put my apps on github, then made a personal website where I talked about their implementation in depth with links to their Google Play listing. Recruiters like seeing that shit and I get legit calls and emails for jobs and contracts. I didn't even make the website; it's a template, lol.

CS is a field that pays off when you put effort in. Once you do that, it's just coasting from there on.

>>132607115
You'll have a job but get paid absolute garbage but you'll get paid through the summer when school is out. I hope you have a spouse because living solo with that income won't lead to any kind of fulfillment in moving up in life

>>132620036
>no guns
>60%+ of 16-30 year olds love Corbyn
>rampant leftism is the norm
>no strong right wing consolidation
>military openly supports gay rights and multiculturalism

Yeah mate, good luck with that lol

>>132608356
Mart-anon glad to see you again.

>>132620351
In New York State, rural upstate, I see school teachers making almost $80k (source: seethroughny public sector salary database). As cheap as this area is, that's like making $200k in the city.

Teachers are literally rich up here.

>>132621686
here in South Carolina, they start around 36k.

my sister has a masters in marine biology, and since no jobs in marine biology, she teaches high school science for 48k.

>>132621976
We have a very powerful union (NYSUT), run like the mafia, in NY. The benefits, healthcare, tax subsidized retirement system, are immense.

>>132598220

STOP PAYING

If you live in the US
>move to Georgia
>start HS
>get only A's (a couple of B's is fine)
>get the Zell Miller scholarship which covers all tuition
>only have to pay for transport and bullshit fees (10,000$ a year for dorms is ridiculous)
>maintain a 3.3 GPA in college
>...
>profit

>>132605142

thats how to do it breh

if you owe the bank a hundred pounds you have a problem but if you owe a million it has a problem

>>132609749
That only works if you actually have the means of paying and just don't. I doubt anon has 300k and is just blueballing the bank for shits.

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>jumped three majors
>80k in debt
>going to san francisco state for broadcasting

Jesus I hope Alex Jones hires my ass

For anybody currently in school for engineering or another similar field, realize the importance of internships. You can get a degree if you want but employers value actual experience much more than a piece of paper. If you aren't looking for an internship or job as an undergraduate things will be difficult for you when you graduate.

>>132623384
>broadcasting
find the tallest academic building on your campus
jump off of it
you are literally the meme degree problem
not to mention the fact you are getting a degree in the hopes of going to work in an idiot factory where no one has an education of note

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>>132598220
>$6500 over two years
>A.A.S. Electrical Engineering Technology - Industrial Electronics
>work as ICE Technician
>paid off loans within first 6 months of work
>now make fantastic money
Feels good

>>132620342
Hi friend. You will be successful at whatever you choose to do because you take initiative. I have a cs degree. Worthless. Made more hustling for contracts than a job would ever pay. Now when i hire someone i look for people like you. Anyone reading this heres your answer for cs degrees.

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Gonna get my Bachelors in Electrical Engineering for ~$20k
Community College
>(2years = ~6k)
Regional University
>[living at home + part time job REDPILL]
>Last two years = ~$12k
Fuck your "college experience" for 50k+ with your shitty journalism degree you barely got. FAGGOT

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>>132620774
You as well.

>>132625201
>tfw community college in my state is $10k a year

Perhaps the prices for tuition will be fixed in my next life.

>>132601714
Getting four IT certs and classes for free, net+, A+ and two Microsoft certs, through the county. They have to get me a job, too, or else they won't be able to close the case. Already got two free Associate's degrees through financial aid. I specialized in the meme categories so they're kind of useless, but I was thinking of pursuing computer science if I get these it certificates. Is this a good idea?

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>>132625677
Doesn't matter Community College is undoubtedly more cheap than a full blown 4 year University.
I graduated from High School a year ago and it's hilarious hearing stories of people who went from Tampa (where I'm from) to FSU/UF/UCF and whatever other shitstain school up there just to pay 10k more a semester (not even counting housing) just to get the "college experience" which is being a pillhead, barely living in your 200sq feet apartment for $600 and eating Ramen Noodles forever.
Partying to justify their shitty decision and on top of that they always start with an ambitious degree and get brought down to reality.
Couple examples
>Wanted CS now doing Acting
>Wanted accountant now Psychology
>Wanted Journalism now Painting (LMFAO)

Pic related, look all these suckers and more

>>132598220
Truth is you won't get paid a good salary unless you have a degree. Sometimes you gotta play their game to survive

>>132598220

Political science degree from a well known/regarded east coast public school. Paid for it by working and living fairly frugally Unemployed for 6 months after graduation. Seasonal temp gig at a fortune 50 company. Brought back after peak because competent and have degree (area of study didnt matter). Promoted twice in the past 6 months and am now making $87k a year with a 100% of salary annual bonus and paying 0 for full-coverage health insurance. Degrees are mandatory nowadays but they're more to show you are somewhat mature and can communicate like an adult. Nothing replaces the value of hard work.

I did a four year computer science course.

I'm debt free, despite never having a full-time job aside from a mandatory internship for the course.
Here, everybody gets one free go through university (up to about €4800/year for as many as four years)
Sadly, I'm too much of a lazy cunt to go looking for employment yet.

>>132627114
Addendum: one of my buddies borrowed €3600 from me to pay for fees so he could repeat a year. (he had to pay for the previous year so he could repeat it for free)


Now he's making €12/hour plus commission in an upmarket electronic repair store.

>>132598220
40k for BSc Geography and going back to give them another 6k for masters of science this september

Anyone here have experience with electrical engineering degrees? Just got my e2 electritians license going to go to school in a community college for engineering then switching to a state college for electrical engineering. Any tips for me? Math isn't my strong point but when I put my mind to something I think I can handle the math. Also anyway I can maybe get an employer to pay for the state school? I can pay for community college out of pocket but state schools going to kill me. Thanks in advance for any advice

Instead of $1T infrastructure bill (which will just be looted and stolen) why not a $1T student loan payoff bill? Think about how many SMART & WHITE millennials and gen Xers who will breed, buy cars, buy houses...biggest stimulus ever

>>132598220
Is Law a good degree?

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>>132626287
I understand. The college system in my state partnered the cc's with the state colleges making the credits guaranteed to tansfer, but at the cost of said state college across the board, which ultimatley undermines the concept of a CC.

I had the opportunity to frequent a nice campus in my late 20s (thankfully I still had a young face) and I'm unsure how these kids do it. You'd have these kids be doing lines of coke at 4am and proclaim they have class at 9am. I don't know how these kids do it.

At this point I don't have a dream, and just want a job. Knowing my luck, I'll probably get suckered in some for-profit scheme like my gf, who owes $20k just to be a hairdresser, only to make minimum wage+tips.

>>132627956
I'm doing Calc 3 right now, if you suck at math don't bother.
The math goes up to Calc4 (Diff Equations) and you do Physics 2or3 with Calc 2or3 (depends on school where you will go up to)
Refer to my post here>>132625201

>>132629110
Over-saturated to fuck and it's the most disgusting, corrupt practice ever.
>>132628241
Get out from your bubble, 15 year old retard.
>>132629410
Go back and do CS and work on some side projects, or go and do IT. Both of these are good if you don't wanna do math courses. Just do it faggot, 5 years of struggle to get something good is worth it than your current projection of 30 years of struggle just to make ends meet. Stop posting the same sappy fuck messages, do something with your life!

>>132625201
this is literally how you do college
everyone complaining about loans and meme degrees is just too dumb to figure out how to live

>>132629950
College is either the best payout or the worst burden. Also not everyone should go to college, simple as that. Talking to other College Freshmen, I've learned this to be true. Specially women and faggot nerd losers who are doing Graphic Design and such.

>>132598220
good luck to SLC with finding me lmao
I haven't paid a dime back since I left the UK 4 years ago

>>132598483
Not a meme if you're not retarded and spend all your free time jerking off and playing League of legends, barely getting by with a c+ at a mediocre college.
Then yes you're retarded and deserve to be in debt.

>>132629110
Ask Anjem Choudary.

>>132626951
Wrong.

Britain is not the USA.

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>>132629921
I don't even have a GED and I'll be in remedial classes until I'm 40 since I haven't been in a classroom since the the turn of the millennium. I suppose I can do without the impending age bias/discrimination and overall competition of H1B along with the hungry graduates.

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>>132598220

Guys I am 13k in debt, all pre-reqs completed for the degree that I am seeking (Comp.Sci) and I have decided to take some time off to rethink and figure somethings out.

Should I take 4-8 months off to work and pay off this debt? Or at least wagecuck some shekels to my name?

>>132632348
Are you at uni yet or about to transfer?

>>132598220
I got scholarships, but the real damage was to my morale. I've been unemployed for over a year trying to find work related to my major that pays at least $15. Now I'm afraid to waste time on grad school to have an even more useless education.

Will teach English in China if I don't find anything in the near future.

>>132624262
Youre right. I should just abandon the work Ive been doing for 5+ years because some faggot nigger on the internet tells me to do.

>>132632147
Dude no one gives a fuck, and if they do it's your life not theirs that will suck forever if you stay at your cuckshed break room for the next 30 sum years.
Most community colleges offer IT bachelor degrees, or get a college certified program certificate in something Technology related.
Sounds like you're just about ready to give any excuse for you to stay in your squalor. You want people to continually feel bad for you until it runs out? Get moving dude, do something, progress forward.

>>132632348
What are you doing shit head? You've had the entire summer (still 2 months left) to think. Fuck off
Also do community college shit bag
>>132633089
Shoulda thought about that before huh?
>>132633445
Sunk cost Fallacy hippie head.

>>132633865
>Sunk cost Fallacy
I have no relevant skills beyond working in broadcasting. I have more experience than anyone my age in my field but because I lack a degree I can't score a good job. My student debt is crumbling to the point where I could never afford to pay it off without a good paying job. IF Im back at uni my payments are deferred till I graduate.

>>132633865
Eh, I believed my white teachers when they said that chemistry would pay off. No matter, I'm sure I'll find my 3.14 Asian qt when I start teaching in East Asia (Korea, Taiwan, etc.) It's not like Western values helped me, good riddance.

>tfw debt gets wiped after 20 yrs
Earning £40k atm though so might end up paying off a decent chunk

>>132607375
>>132613609

High IQ academicfag here.
I got a scholarship to study BA, MA and PhD, I got tuition and living allowance paid for during a total of 11 years.

I have publications and teaching experience; academic life really sucks though, and I am dreaming about opening a basic and stress free business, something like an ice cream kiosk.

>>132634292
Whatever dude, shouldn't have been a zipperhead swerving left and right to and fro from majors, and 80k for the college experience. Best you can do is this
>Income based Repayment
Good luck. Try to look at American Reneissance maybe they're hiring >>132634388
Giving the fact that you jumped onto a 4 year degree without doing some information/logistics/job prospects research really shows your intellect. Later mongrol, you won't be missed.

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>>132633865
Yeah I know that. But I was burned out from schooling and I felt like being a bad goy and taking some time off for myself.

>>132634388
PhD's in chemistry at a refinery outright said that it's almost a useless degree for anything beyond mid stream R&D and bachelor engineers will make more than they ever will. The only part of STEM that pays big is the E, the rest are just above meme degrees or require graduate classes to be decent

>finish highschool with a good-decent GPA
>take the entrance exam
>nearly half or more of all new students have their tuitions paid by the goverment and are eligible for more support like student loans and scholarships, dorms and food
>as long as you pass most of the exams you continue to study with your tuition paid
>mfw my country paid me to get a half-meme degree, while letting me get scholarships and living far cheaper in the student dorm
>mfw my parents are working class people with only highschool and they managed to get 2 kids through college on minimal pay with the help of the State
You know, no matter how much my country is fucked up, at least I didn't have to put myself and my parents/future children in debt for a (meme) degree. Sucks to be you Westerners sometimes.

>>132635359
Don't do it, even you know it won't be beneficial. Grind through these 4 years. You have two months to declare your major, go to codeacademy and see if coding is for you.

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>tfw over 40% of my engineering friends are working shit jobs
>tfw you didn't fall for the STEM meme and instead went into accountancy

>>132598220
>$65k to write software
What? That's like what the shady companies in America pay to import pajeets on H1Bs because talent here is rare and expensive.

You can easily pull in six figures doing that if you have internship experience and market yourself properly. Also,
>comp sci
>not continuing to graduate school

You can make yourself very expensive.

>>132601714
>comp sci, IT or networking you should kill yourself for not thinking ahead

What's wrong with those?

>>132603852
Don't listen to those faggots. K-12 is there to enslave the mind. You were pretty much brainwashed into your life. School turns you into a command-able drone.

>>132636829
Nothing. These are the most in-demand fields today, so much that you've got recruiters spamming and cold calling them with work.

Chances are it's a rage-trolling STEM dropout.

>>132637623
I have an AA in Network Admin and couldn't find shit(that wasn't unlivable wages). That was probably because i live in bumbfuck no where and couldn't get financial help to move to a city. Went for an AA in Industrial Automation. Just graduated and am looking for a job. I've been told the two degrees will compliment well.

>>132598220
Not only did I fall for that, I fell for the whole "the EU is amazing and investing in it by specialising in languages will pay off" thing. I distinctly remember speakers coming in to tell us this in y9, y11 and upper 6th. Luckily it was only at £3.something K a year at that point, and it was a decent grade from a redbrick uni with a reputation in that field. I bumped around between medical sales and recruitment jobs until fucking off to become a ski instructor/mountain guide in the Alps, currently teaching climbing in France. It pays shit, but all my overheads are covered. I'll have to go back in to real work soon as I'm getting married to a sweet American lass from CT in the next year, but damn was it fun whilst it lasted. Not paid a penny on student loans in the past two years, and don't intend to continue.