So, /pol/, how much are you on the hook for?

>>133951087
$0 I'm not retarded.

>>133951087
0

GI Bill, nigger

>>133951087
>Taking loans
>In the grim darkness of 017 M3

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Thousands of kids are tricked into loans here in aus even for basic certifications. Instead of interest the debt is indexed based on the cost of living.

>>133951087

>and 30-somethings

Pathetic.

$0
Combination of VA benefits and SMART scholarship, plus merit scholarship, I'm getting paid to go to college

Don't fall for the ivy league meme; schools like MIT and Penn upload nearly every lecture class to their websites and you can watch them if you'd like anytime

>>133951087
>>133951432
$0 as well ain't the GI Bill the best fucking thing. Pretty sure all I'll have to pay for is my masters.

>>133951087
0

Who would be stupid enough to have debts on purpose?
"All my liberal friends do it" is not an argument.

People owe me money tho.

15 pounds a month for my computer, that is all.

>>133952038
>>and 30-somethings
>Pathetic.
To be fair it's pretty much useless to have your own place if you're single. If your parents live near your job, stay there and save money.

I left my parents house when I was 24 and things got serious with my wife.
A saved a shitload of money because I didn't paid rent for years.

$0

Owing someone else money is idiotic. Don't buy shit you can't pay for.

>>133951139
>>133951432
>>133951477
>>133951945
>>133952038
>>133952287
>>133952298
>>133952306
>>133952492
great shit

0 gi bill

>>133951087
literally 0

i have a scholarship, i make money from going to uni

$0.00

>>133951087
You did start out with nothing. You chose to take on debt either because you expected a return on that investment or because you're a fucking moron.

>>133951087
Had $45K
Got job in the military industrial complex, I was able to reduce that to zero.

>>133952287
>schools like MIT and Penn upload nearly every lecture class to their websites and you can watch them if you'd like anytime
now if only my youtube browsing history was of use to HR departments in deciding whether or not to give me an interview.

-$11,600.31

Paying off my Beema

>>133951087
0$

>>133951087
£0 because I'm not a moron

>>133953788
>because the point of my post was to watch said videos "for fun" and not to learn what's actually going on, therefore helping you learn more skills and therefore being more employable

fuck you sure got me there

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>poor fag
>get a grant that pays for all tuition
>take out ~$7500 to get a cheap car and use it for living expenses
>school takes it and uses it all to pay for the really shitty dorms I was staying in
>drop out

Im not paying that back, fuck you

>>133954481
what's being taught*, little bit of an autist moment there

>>133951087

Why would I have debt? If you're talking national debt, I don't acknowledge that. I didn't sign shit.

Just my mortgage. I'm one of the lucky ones whose parents covered my college education in full. My wife owes quite a bit though

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$0.00

>to inteligent for collage

>>133951087
0

I'm fucking poor by Jewland standards but I don't owe a penny to anybody.

>>133951087
I had about £8,500 debt from 2 years at uni before I dropped out. I've since gone on to become an IT Director.

My last pay slip was the first one that didn't have student loan deductions, in order to make sure they don't over charge you they swap from PAYE to direct debit when you're close to finish paying.

So I have about 1-2 months worth of direct debit payments to make, then I'm clear. I could just pay it all off now but it's basically interest free so doesn't really matter.

>>133951087
0.
Colleges are cheap here.

>>133951087
90K in burger bucks.......
kill me now.

0 with house paid off and 200k in the bank.

Under 10k left on car, all that I need to pay off now.

GI bill also nigger

>>133951087
Zero, I had employable skills passed down to me from my father. OJT picked up where he left off once I did hit the work force. 20 years so far of being comfy.

>>133951087
Like 30 to 40 thousand, maybe more.

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>>133955399
>90K in burger bucks.......
What the fuck is wrong with you.
Do you at least have a very useful degree in economy, science or engineering?

>>133956277

if going 90k into debt nets you a job paying 70k+ a year id say its worth it. i always kek at conservashits who somehow believe that making 50k a year with a trade is somehow something to strive for.

also i realize you types tend to be fact-resistant but the cold hard numbers clearly demonstrate that a college degree = exponentially higher earning potential over a lifetime. no amount of crying about basket weaving memes will change that.

>>133951087
Donated all my student loan dollars to Bernie Sanders campaign. Match me.

30k but with a 90k/yr job should be pretty easy to pay off

I owe my friend a bag of skittles and thats it

>>133956706
You're retarded.

>>133956706
>if going 90k into debt nets you a job paying 70k+ a year id say its worth it.
It's a bet.
I am not much of a gambling man when what is in the balance is the quality of my life and my family's.

Also, do not talk like if you "NEED" to have 90k debt to have a college degree.
I have one too, so do a lot of people in this thread, and we have 0 debt.

You do not strike me as a very smart man.

>>133951087
What

>>133951087
Around 15k left

>>133951139
Fpbp

I'm glad I never fell for the college meme or I wouldn't be traveling the world in my 20s with zero debt and excellent credit

>>133957110
Hello Kim

$0 Scholarships for not being retarded in school that give me a profit then halved tuition for being in military, GI Bill, and GI Bill kicker so I'm getting paid pretty decently to get a bachelor's.

>>133951087

Over 50 thousand when I finish my degree. Only gonna pay back like 200 a year thx UK repayment

>>133951087
Was it scary when they came to your house and held a gun to your head and forced you to take the loan?

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>>133951477
>Not taking loans because govt pays 6300 of the max 30 000 loan
>Not taking loans because its almost interest free
>Not taking loans when you have free education and youre able to invest it all

Its like you want to be poor

$7k for one year in IT, I can get the ball rolling with that

>>133956706
>being a cocksucker on a salary with inflexible schedule for side projects

>>133957277
Credit rating has little to do with staying debt free. If you remain debt free your credit rating will at best be average, unless you have a massive income.

What gets you a good rating is borrowing money and reliably paying it back, because it demonstrates that you can, that you're reliable. I occasionally put big payments through my credit card and spend a few months paying it back, it costs a few quid in interest payments but boosts my rating.

Money lenders make money off interest on what you borrow, they don't make any money if you pay it back straight away or never borrow. When I go to buy a home having borrowed money and paid it back will net much better interest rates on a large amount like a house.

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>>133956277
Both, one in Econ and one is petro engineering. I was dumb though fell for the meme and decided I was gonna finish what I started (I regret it now)

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>>133956277

>>133951087
Not much

>>133956776
I bet this was a shareblue psyop targeted at Bernie supporters

>>133951087
Car + CC about 13k, no other debt.

>>133956706
You say that but its not really true, I have uncles who worked capentry their whole lives and make great money. One actually offered me a position starting at 24$ and getting a .25c raise every quarter.

>finishing a degree in finance in frankfurt
>getting my scholarship paid by the institution that's looking to hire me in a year when I finish uni + state subsidies because my grades are high

thankfully I wasn't born in america

>>133951087
Approximately 14k 2bh

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>>133958087
Apparently I've been doing my signatures all wrong.

>>133958087
>>133958115
So are you proud to be a pedophile or ashamed of the man who made your school relevant?

>>133958087
Petro egineers are among the highest earners in the world at the moment, you're going to be minted, congrats.

Loans pay off if you have the genuine skill to go and do something with your life, which is only maybe the top 15% of graduates, everyone else will have suffered for their degree.

3-4 years in the free market climbing the career ladder is way better for average intelligence people, you don't have the debt, you've earned something, you have 4 years worth of skills and experience.

>tfw 3 master's degrees and now starting my first PhD

why would I ever work if I can live OK with the scholarships they give me

>>133956706
I make way more than 70k in the trades

None. Learn a trade faggots

>>133955399
Same fampai. 85K left but doing what I love everyday, staring at hexcode

$0, went when I was over 25, didn't have to put parental income on form, was poor with just my income, got grant for 100%. Only dumb and lazy need loans

>>133951087
Canada payed for my house using tax payer dollars.
Im not saying its cool but its free.

>>133951087
$60K, most of it because I stopped qualifying for subsidized loans before I finished my undergraduate degree. I'm three years into my graduate studies now, already got my MS and I'm working on the research for my PhD dissertation. I have no delusions about debt forgiveness or any of that free college shit - I borrowed money and I fully intend to pay it back.

With where I am now, even the worst case scenario (walk away with the MS) I've got a potential $50K/yr starting adjunct job lined up. If I keep m cost of living the same I can easily sink $10-15K a year into paying off the loans and have the whole thing paid off in 5 years. Best case scenario I finish the PhD and I'm looking at a potential $55-75K starting, depending on whether I stick with academia or go into industry.

So, not super worried. Could be worse - my sister ended up with $25K in loans and she's a dance major.

>>133951087
Nothing in terms of student debt.
Actual debt in terms of credit and vehicle loans?
About 12 grand. I'm due to reduce it to 4 grand within a year, then have it all paid off in less than 2.

>>133951087
$0

>Grants
>Scholarships
>Community college

A little debt is understandable, because sometimes shit happens, but if you accrued more than $10k in debt going to college, should have never attended, and you certainly should have never graduated, because you're clearly retarded.

>>133958342
kek I never noticed that

>>133958365
Well being that I am younger then kids who were raped...... Im pretty sure this is bait

>>133951087
No debt even though I go to Uni.

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$0, compound interest is the most powerful Jewish trick. I'm Arabic orthodox Christian, if any of you were true followers of Christ you would know He wanted usury destroyed.


I'm also starting life off with a 60k+ S&P portfolio. Only 10% of your savings should be in the ((bank)), put the rest in an S&P index portfolio. No this is not risky because you aren't investing in any one company, but the average of the top 500 and thus the U.S. economy itself. It may lower very slightly every couple of years, but this isn't a short term investment. Over 20/30 years your investment could double or triple. You'll earn at the very least 3% annually, but that 3% increases every year as it adjusts to your new earnings from it. I started off with like 5k. Every month add as much as you can into it. Putting your money in the bank earns you zero. Putting it in the S&P500 Index Portfolio earns you massive amounts and guess what? You don't have to do a thing. Don't fall for the bank ju

>>133958493
>Same fampai. 85K left but doing what I love everyday, staring at hexcode

Its fucking depressing dude. I got all this shit I wanna do but Im stuck here pilling money into my loans.

>>133958648
>$25K in loans and she's a dance major.
Sounds like she got off lucky all things considered. Seriously though student loans is just a fucking scam, can't wait for it to pop, then dance people can pay an appropriate amount to study their craft full time instead of shit inflated by funny money.

>>133951087
5 figures isn't even that much.

>>133959191
99,000$ is still five figures.

>>133951087
$0
Got that full ride

>>133951087
$115,000, including bachelors and masters in engineering

>>133951087
0 I've cheated the system for years

To add on. The reason I have no student loan debt is because of the nice, tasty, post 9/11 GI bill. I got a nice comfy computer sciences degree, finished up a geology degree, and got my Satellite communications counted as an associates.
Only problem is my line of work (Satcomms) is really only in gov contracting.
Kind of hard to get back into the world after you leave. So it's network analysis for 20 and hr and basically watching movies at work all night.

I think I made out well.

>>133951087
€0.
Somehow in this mess of a life I managed to quit college twice debtfree.

>>133951087
0 somehow

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>be me
>be 100k in debt
Wait no Im not a retard
>be shitskin
>be poor
>get an 80k grant and 20k gov pell grant
>make 80k surplus a year to do jack shit
>apply to more diversity scholarships my sophomore year
>get them all
>want a car so i get a student loan
Oh wait I didnt because Im not a retard
>buy scooter for 700
>shitskin money keeps flowing in

lmaoing at your lives

>>133951087
$0. on $60k a year for driving a forklift.

>>133951087
$0 served 6 years in USMC and got my degree in mechanical engineering, because I'm not a nigger

>>133959184
Honestly she didn't even need most of it, problem is a lot of those loan companies write up their contracts in such a way that they'll give you a loan based on what average or recommended expenditures rather than your specific financial need (which is what they're supposed to do and why shit like financial aid departments exist at schools in the first place). In her case she was going to a school where her scholarships covered most of her living expenses, but the loan company was still loaning her a couple thousand dollars extra a year for 'room and board'.

My sister's shit with finances (again, dance major) and used to barely check her bank balance more than once every month or two, so she'd assumed the extra money in her account was just adding up from all the extra hours she was putting in at work. Then her last year she quit her job so she could power through the rest of her degree and suddenly realized she was still getting money. Almost a quarter of the loans she has left to pay came out of that bullshit. Sure, it was partly her own damn fault, but come on, what kind of scam loan program gives a client loans they didn't ask for or have a financial need for simply because it's the 'default option'?

50K or something

I honestly had no choice, I got fucked by my situation

It's not that hard to find a school you can afford, even if through scholarships. For instance, Georgia pays all of your tuition to any state school as long as you get like a 3.5 in high school.

>>133959122
How do you go about making a fund? I see you can do that just at a vanguard or another competitor. I don't have to actually alert my bank except to make auto payments right?

How did you do it. I'm not understanding the process correctly and I'm interested in how it works. I've already saved it emergency funds so I have money to invest now.

Thansk

>>133956706
>earning potential

meanwhile, the amount of unemployed PhDs in the West increases every day

>>133954481
Only you need to be able to demonstrate said skills to get hired. Saying you watched some lectures on youtube without anything proving you retained information or have practical experience is not going to get you hired.

>>133960222
if money was not spend on this type of shit we'd all have way better lives

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>>133960468
I have a vanguard account, so yes you should set up with them. You can either alert your bank and take it from your account, or have it set up where it takes a set amount from your paycheck if you're employed. Bank is likely easier brother

>>133952287
Oh and while I agree with what you've said, I just want to point out that the quality of lectures is not the difference between Pen and Penn St, for instance; this is not the main reason they hire professors. It's their quality as researchers, the smaller classes, and the quality of your peers. It truly helps to be around bright motivated students.

>>133951087

Nothing.

No credit card.
No bank account.

Jews can't get me.

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Zero. No state support for education where I'm at and I believe too much in the law of diminishing returns, just to get into the lower-middle class.

About 60k. Have a decent job now, hopefully I'll reach six figures in a few years.

>>133951087

>$0 because I'm not living in some 3rd world country where you get into insane, depressing and lifeforce draining debts for trying to get some education.

in before taxes

>gets cancer
>gets chemo therapy
>dies knowing his family will struggle paying for the medical bills long after he dies

fucking retarded country

>>133960368

Is uni that expensive in the netherlels? Its like 1.5k a year here.

>>133961546
> t. Depressed Walmart worker that spends his free time tripfagging on a vietnamese cartoon image board

$0, and I got a master's degree.

Coincidentally that's how much money it's currently making me because every entry level job is government-only and getting snatched up by people with 10+ years of experience.

>>133951087
Been saving up since I was 15 working minimum wage.

Went to college on my dime and still have enough left over.

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>>133961753
Well yeah. What else is there to do given the circumstances?

>>133956706
phd
poor helpless and desperate

>>133961546

There are people making a solid income at Walmart. You have to work your way up though. Although after a decade of working there you're clearly not trying or just don't want to.

>>133961948
Are you seriously watching Styx on the breakroom?

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>>133951087
£0.00
zero
nothing.

>>133951087
Another shock to the older generation: they have absolutely no idea just how WORTHLESS a college degree is now. It's only relevant in certain fields, and even then most of it consists of totally unnecessary course work.

>>133962211
This just in: anon realizes there's a difference between university and vocational training. Congrats.

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>>133962051
Promotions don't happen on overnights. I'm not going to take a paycut by going on day shift just so I can be in closer proximity to upper management. My career preferences are always updated, but they keep hiring from outside for management applicants and promoting women thanks to class action lawsuits in the 90s.

>>133962167
Why not? He owns politics on YouTube and I have to break the legacy media stranglehold of the lower classes.

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>>133951087
About €20k my dude. Student loans in the Netherlands are laughable at the moment though. You pay like 0.01% interest, get 5 "wildcard years" you can use whenever you don't feel like paying for a year, plus there is a cap to the max % of your income you're legally obliged to pay back once you get a job. If you fail to pay the loan back within 30 years they void the rest.

Can't wait to see what happens when this all comes crashing down desu senpai.

>>133962466

How it works in retail (I worked in it for years) is that nobody comes to you and gives you a promotion. You have to physically apply for a higher position via whatever internal job listings Walmart has.

>>133962450
No, you moron. I'm saying the parents in OP's cartoon are the people under the impression that university education is some wonderful thing for their child to have.
Their generation was raised to believe college was the loftiest achievement. They continue believing that the way the even-older generation went on believing Cadillacs were nice cars.

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>>133962466
>I have to break the legacy media stranglehold of the lower classes.
>by playing styx in a walmart break room
Try to step your game up a little bit lad

>>133951087
$65k.
But I'm Australian so that's $65k of real interest-free debt that doesnt need to be repaid until I'm earning 50k+.
And I'll be graduating with two degrees, one being a medical degree.
And I've saved 50k over the course of my degree from scholarships, my tutoring business, and playing with stocks&crypto. Could have paid off my debt but since it's interest-free...

Going for free because I was "smart."

>>133962711
>Try to step your game up a little bit lad
What are _you_ doing, then?

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>>133962711
It's the best I can do at 5am...

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>>133962466

I can only wonder why you dont get any where, watching styxx in the walmart breakroom. You actually posted this willingly? Did you think it made you look #woke to all the qt 3.14's?

>>133951087
I have been going to university for 5 years now and still haven't pain a dime to them. Got all of my money from scholarships and financial aid(I'm a poor fag). Going to graduate this year and by the time I'm out i will have $12,000 in the bank and a few jobs lined up that i can enter right away.

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>>133951087
$0, I work full time in between class and go to a community College right now. I own my car and phone and have no outstanding bills or debts. Feels good to not be financially retarded.

>>133961741
About 2k a year.

>>133961639
>dies knowing his family will struggle paying for the medical bills long after he dies

Doesn't work like that. The merchant would like you to think you're on the hook for those bills but there is zero obligation to pay.

>>133951087
>>133951139
Im saving my GI bill for med school. Currently using the IVG from Illinois which is great since the state is broke they just keep giving the state a god damn IOU but its not my problem its their problem. Shit feels good knowing i wont owe anything.

220k in for a high paying job (hopefully)

>There are kids that didn't start paying their loan until graduation
>They probably pay the minimum for each payment and gladly shoulder the (((interest)))
I'm almost paid off.

$24k student loans
$178k mortgage
23yo
Married
Just quit my job as a cook because it was too far from new house. Also one of my parents is dying, so it will be nice to spend one last summer with them.

In laws are well off and gave us enough money for big down payment plus living expenses for 2 years. The student loan is from studying abroad for 2 years for language training plus travelling to 6 countries. My friends have the same loan as me but lived at home, I can't understand it.
How did I do?

tfw have wealth parents who pay for my education.

feels good man

about 200€ on my credit card debt

>>133963147
>I own my car and phone
There is seriously people who do not own their phone?

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>>133963112
>qt 3.14's
>on overnights

They call it "beauty sleep" for a reason.

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>didn't get duped by the educational jew
>learning a trade with the family business

>>133962708
believing Cadillacs were nice cars.

Cadillacs are very nice cars pleb.

>>133963762

What kinds of things are you good at?

>>133951087
7,000 give or take a few hundred.

>>133963061
>Walmart break room AND trip faggotry

kys

>>133953460
where do you go to uni? bosnia?

>>133951087
About €1000,-, which I paid back in the FIRST MONTH OF MY JOB.
How does one end up with a five-figure student loan debt?! How many times do they switch majors?!

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>>133964015
If I were good at anything, I would have honed it into a skill by now and capitalized on it. I'm already in my mid 30s. If some sort of epiphany hasnt happened by now, it never will.

>>133964200
Whaddyahmean? It's everyone's favorite multinat.

>>133963704
%90 of the niggers I've ever met havre thier phone on some bullshit contract that makes them pay for both service and the device itself, it's so fucking dumb.

>>133963704
You would be surprised by how many retards take one of those X amount per month deals only for them to ultimately pay for the phone five times over.

>>133951087
What a stupid thing to whine about.

You go to college to get a degree so that it sets you ahead of those who don't have one, and gives you access to higher level careers. You're investing in that education so you have higher earning potential, and a career that might actually make you happy.

I know guys who never went to college, who just worked manual labor jobs, forklift driving, production line work, unskilled labor in trades (painter, drywaller), stuff like that, and some of them are happy enough sure, but their absolute max earning potential is maybe $40k/year at the top. Then I know guys who went to college and sure they took on that 5-figure student loan debt, but their earning potential is well above $100k/year.

So you take on the debt, you choose a profitable career, and you pay back the debt and earn much more over your lifetime compared to someone who never took on that debt in the first place.

If you choose a shitty degree or don't know how to get a job that's your problem, you made mad choices and you pay for them, tough luck.

>>133951087
Where I live, you get paid by the government to attend university. So I got negative debt.

>>133951087
$6,000 left on my car
No student loans because I'm not retarded

>>133964738
well when you fill schools and colleges with thousands of immigrants every year all those nice college degree jobs all dry up.

Cuckservatards don't like to realize that things are worse off now than they were for the boomers? Idiots....

>>133951087
the free market is raising the prices of school because when everyone has a degree no one has a degree. you shouldnt go to school if youre poor, it means youre punching out of your class. i loathe people who complain about loans. Oh boo hoo, I borrowed money and have to pay it back.

>>133964738
>You go to college to get a degree so that it sets you ahead of those who don't have one

You're either not American or completely unaware of how little a degree means in the modern job market.

>>133961354
Not using credit card cash back rewards to jew the jews.

BUT WHY?

$0
I don't even own a credit card, I am sailing on no debt and no credit.

>>133951087

$0

>take a loan
>complain when it's time to pay it back

>>133958060
>t. Bong NEET who's never earned an income

I have about 15K left. I have never missed a paymemt. Started with 40K. I also umderstamd the concept of borrowing money for educatuon that I will actually get employmemt for. Also, I believe in paying back the money I borrow.

>>133951087
Zero.

Got a job after school, paid for my degree after a few years working.

If I had to do it again, I'd leave school, become an electrician and then study Electrical Engineering in my mid-20's.

That's the advice I'd give to any of you under-age Anons.

>>133954486
>didn't read the fine print of the loan
>won't pay back loan voluntarialy took out
>muh principles

Get eyeball cancer and go blind, faggot.

Still owe about 160,000 including house, cars and cards.

Way too much if ya ask me, but I seem to build the lower end among those I know.

>>133951087
Probably will end around 70k when I'm out of school. I'm legitimately panicking, I have friends who are self made millionaires at 26 with no debt and I'm shackled at 20 just trying to finish my degree. I can't see a way out unless I luck out hard on the stocks or learn forex trading. I think this is the genuine worst feeling I've ever had.

>>133951087
Still have $26K American to go.

36 y/o. Feels bad, man.

At least, that's the only debt I have.

>>133965184
older people that graduated in the 90s are the biggest culprits of this
they don't seem to realize how much tuition has increased since then
there's been a trend, and although it's taken awhile college is now so damn expensive that it can easily be a net negative for the average student rather than a small fraction
the "shitty degree" comment is best because regulatory changes and industry changes have completed annihilated certain skilled careers
it's easier than ever to end up with an unmarketable degree
I also don't know why people think that kids out of high school, with parents from another age and another economy are going to make astute predictions and correctly choose a degree that will pay well in 5-8 years

Just don't study a shitty degree. Focus on one that gives you hard skills like accounting, nursing, or computer science. Otherwise become a tradesperson.

>>133951087
Stupid kids take out a loan and fuck around their entire time in college... BOOOHHOOOO studying is so hard you guys!!! Then they act shocked when the terms of their loan come to fruition. I'm glad this entitled douchebag generation is saddled with debt. Maybe it'll make them realize how the real world actually works. Or maybe they're too stupid and they'll just keep inviting more illegals over.

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>>133951087

>>133968372

With so many bogus degrees out there, this is easier said than done.

That said, one must also consider how many individuals will be studying said "good degrees."

>>133951087
27k, but i didn't go to a fancy school, should be paid off in the next 4 years though.

>>133951087
Not much, I don't think.
Still trying to find some scholarships, but nothing comes out of it.
Might just invest in some stocks to help pay it off in the near future.
But hey, at least I'll get my Master's in Accounting.

ITT: children that live with their parents lmfao

Paid about 24000 off in 16 months by living like a hermit and keeping expenses to a minimum by having roommates.

>>133951087

About £30,000

($40,000 / €34,000)

I coulda bought a car with that...

>>133951087
Zero dollars because certifications > trades > 99% of degrees.

>>133952306
>>133952483
>>133956277
>i-i-i-i don't have any! yeah i'm s-s-so proud!
>oh er, wh-what did you study? j-just out of interest of course...

Yeah you're totally secure in your choices aren't you. Enjoy being stuck in low-paid cuck work your entire life. :D

>>133951087
Junior in college, $800 savings, no debt

>>133951087
I'm one of the few blessed people to have a father with terrific foresight for determining what it would take to get me through college.

What we didn't see coming was the absolute retardation that would happen in recent years that would be cause for liberal colleges to tank conservative-leaning student's grades over the most minute details.

Take it from me: if you plan on learning something, just homeschool yourself. There's no difference besides being told "you're wrong" at every possible corner. Why pay for something you can research online just as easily?

>>133956706
If you think $70k is a lot of money to be making and that it is a fair exchange for $90k worth of debt, you deserve your degree.

A university degree, as evidenced by this fucking moron, is not a sign of intelligence.

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>>133970251
Costs have to do with the cert or whatever piece of paper. I could learn whatever online, though it won't mean a goddamn thing unless some reputable institution deems you to, unless of course you are also entrepreneurial-minded and go into a business for yourself.

Graduated with ~$80k in debt. Employed immediately as a software developer. Paid off debt in a year.

Plot twist: graduated with a degree in Electrical Engineering. Started coding before college. Made all of my money with skills learned outside of college.

I could have been $80k richer now if I didn't waste my money on a piece of paper. GG.

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Maybe like 80 dollars on a credit card I'll pay in a week.

>>133960222
>be me
>white american
>parents loaded
>2 houses, a boat, 4 cars
>high test scores
>realize i'm not going to get into good uni because of diversity
>jewery.jpg
>say i'm black on all my applications
>list $0 income on financial aid forms, parents retired early so it works
>write all my essays about the struggles of being poor and black
>accepted into an ivy with a full ride
My brother and I made out like bandits

>>133951087
none faggot because I didn't go "five figures" into debt for some useless marxist inspired shit degree.

You faggots don't get to choose to take out loans then blame others for said loans.

>>133951087
5k€, but I have most of it in savings already.

>>133960817
are you a communist

>>133951087
I heard that you can serve in the military and get your education payed from that. How come ameritards chose debt over service? I would gladly serve again if they would pay for my higher educations.

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>>133951087
None. For a few reasons:

>community college for the first 2 years while living at home
>had a shitty part-time job since I was 16 and saved money, worked throughout college too
>parents weren't shit and had saved about $8k for me for college
>didn't live beyond my means when I did move out
>finished undergrad at local major state university branch
>didn't try to finish in 4 years because that's practically impossible if you want to have any sort of life anyway
>got a degree in something other than gender studies

It's not hard. Just don't do stupid shit.

>>133961948
I have personally given you advice on several occasions. Many, many, people have given you viable alternatives to your current lifestyle... But you are just a low test faggot that is comfortable being a little bitch faggot sucking dicks at Walmart instead of seizing opportunity.

Don't act like there are no options. There's shit loads. You are just a fucking loser without any ambition. Fuck off.

>>133971039
Also forgot to mention both scholarships and taking AP college credit classes in high school because I'm not a retard.

>>133951087
$0, because I worked at a pizza delivery place in high school. By the time I graduated I was the assistant manager. I took classes at the local community college in the morning then worked an 8 hour shift. I paid my own rent and tuition from my job. Then after 2 years I transferred to a University, finished my 4 year degree without borrowing any money from anyone.

There is literally no reason to get a student loan and fall for the loanjew.

>>133962051
Stop it. This guy just wants people to feel sorry for him. Tell him to fuck off and nothing more.

>>133962608
He won't do it on account of being a hopeless loser. I assume there's only a fleshy patch where his dick and balls are supposed to be.

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>>133971194
Is this costco bro?

>>133963441
You fucked up you dumb nigger. Get a job at CN.

>>133951087
None because Im actually high class like most of /pol/ pretends to be.

>>133964015
He's good at doing absolutely nothing and selling himself down river due to his lack of testosterone.

Finishing my llm (masters in Law) abroad (UK).

>just turned 30 live alone since I am 19

in the hole $25k. I come from a shitty jungle south american country.

How fucked up am I?

>>133970728
>check African American
>claim South African ancestry
>profit

Nothing.
G.I bill solves all problems

>>133964738
There's no such thing as an income cap and tradesmen are by no means limited to the amount they can earn... You are more likely to get a middling little salary with a degree than you are as a tradesman. A tradesman that owns his own business has far greater income potential than some home Facebooking in a cubicle.

This is just another lie that you tell yourself to feel better. I'm going to earn $102k bare minimum with just certifications... Those don't even necessarily require grade 12.

You need to take a look at the way the market works, my man.

>>133971515
No. Get a real fucking job you idiot.

>>133951087

In Portugal, college is around 500 euros per semester. 1K per year give or take.

Its state sponsored though.

>>133955580
job?

I had about 10000 when I graduated. I paid it all off years ago though.

>>133951087
Had $14,000 in student loans in 2008. Got two jobs and paid that shit off. Saved up and moved out my shitty situation.

$0

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Zero.

I'm a privileged white man that got a doctor of pharmacy from a private school on my family's dime.

Zero. I am a professional writer now and my book will be released sometime next year. I'll shout out to you negros.

>>133951087
Zero poorfag :^)

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>>133951087
>implying that /pol/tards go to college

They regard education as "brainwashing" (of course unsourced infographics are totally trustworthy!)

>>133970656

>Started coding before college

Oh the advantage. I remember the shock of my first college coding lessons.

>School cost me about $30k for Biology degree
>pay it off in 2 years
>Make about $45k/Year

I like biology as a science but man the jobs basically suck

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>>133951087
$0
>tfw no gf tho

>>133973012
That's a really really bad shoop. Pointless.

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>>133951087
>everything has to be labelled
I hate these ""political cartoons"

about $90,000 originally, got that down to $20,000 thanks to a jew using his jew magic

>>133972880
p.s. apply for any and all scholarships you can if you decide to go the college/schooling route. It's shocking how people won't even submit applications. Also, if you get a work-study job in the same department as your studies, you get to know staff and educators and are more likely to be selected for departmental funding. This is how I managed to get a decent degree despite being very low income.

>>133951087
My grandparents have tens of millions of dollars so its a free ride for me. Also thank you trump for fighting to abolish the death tax.

>>133952287
Lol, Wharton does not teach finance different than Western Nebraska State, Nor does MIT teach Chemistry any different. You go to those schools to network and get jobs. Many employers are major prestige whores

>>133973419
You know a good Jew I can use?

>>133973623
There's a cut off, though.
Ivy league isn't really that much better (if at all) than a state school, but some schools are complete dumpster tier.

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>>133973356
Fair enough, but it is nothing new. Unless you work within an established set of icons and symbols, you're stuck with it.

>>133973577
He has not fought for that.
Mentioning it is not the same thing.

>>133974119
we'll see when the tax plan comes out

>>133951087
$0. Paid it all off within a year and a half of graduating.

>>133973623
Do they teach English any "different?"

>>133954864
>to
Nice b8m8

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>>133951087
I graduated with no debt. I worked two jobs during my college years. If you go in debt for a bachelors then you have failed life's first big test and you deserve to be broke.

>>133972815
Male prostitute.

>>133951087
-$50k because I'm getting paid to go to school. Thanks, Army!

100k for Aerospace Engineering
Making 70k starting, 80k after a year. Plan to get some experience under my belt and eventually want to start my own company. Loans will be paid off within 5 years at most. College is a kike meme, I rarely use any actual math I learned in college, but Aero companies would never hire someone without a degree.

>>133951087
0, HAHAHHAHAHAHAHHAHAHAHHAHAHAHAHHA. So nice living debt free and not falling for the college meme. Meanwhile friends who went to college are atleast 30-50k in debt, while I make more cash at my job. Get fucked niggers, certificates and licenses are the way to go. Fuck a degree

>>133974219
>Tries to be a smartass
>Does not realize that he incorrectly puts a terminal punctuation inside a quotation mark that was not part of the quote.

>taking loans, ever
>going to college

t. self employed and making 72K yearly

>>133974501
>I rarely use any actual math I learned in college
what did you mean by this and which maths do you actually use

>>133974205
Fair enough -- with the note that 'He may later fight for it" is not the same as "He is fighting for it."

He needs to get n there and either "art of the deal" this health care shit into happening, so they can get it off the table and turn to tax reform, which he'll need to get involved in as well, or this is going to be a wasted opportunity and nothing will happen. Nobody is going to tackle major controversial legislation in an even numbered year.

>>133974717
What do you do for a living? I want to set up my own business eventually and like any tips

>>133973813
Agreed. However, someone who studied business at Penn learned the same as someone from UTexas

0$

>>133951087
0 because I had a great upbringing and my parents were not fucking retarted.

>>133974836
I do engine analysis
We have computers that do literally every calculation for you, the only benefit of college is that I know what variables are needed and what they mean

>>133951087
$0, just like everyone else here with a brain.

Why in the fuck would anyone take out a fucking loan to get a useless piece of paper that says you took a few classes at at some liberal college that cares more about fucking sports than education?

>>133972882

Ain't it just great to be a white pharmacist these days?

>>133971696

Eh, he seems to be paying his own way and not utilizing the dole so how can we put him down like that?

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>>133974992
in how many hours could you teach a relatively high iq high school senior how to do your job? 5? 50? 100?

>>133953788
The problem is that you didn't win the competition of getting accepted into MIT or Penn and then haven't won the GPA game.
Nobody cares that you watched a lecture. They want to see success from the application of your skills.

>work full time in a trade
>live at home with my parents like a loser because apartments are 1100/month for a studio/1bdrm
>save all my money, have zero social life, never eat out anywhere
>gonna go back to school to get my degree in 6 months without taking any loans
It sucks now, but in the longrun I will appreciate it.

>>133975231
would literally take years fampie, yall niggas and your fake ass degrees and even faker ass (((jobs)))

0

loans are degenerate

>>133975231
Jobs vary from company to company. It usually takes a week to train you to do a task. College degrees are memes required by Boomers. Look up the company Praxis and what they do - I'd highly recommend something like that if you're not dead-set on engineering.

>>133975245
You're doing it right, anon. Godspeed

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>>133972658
My apologies. I didn't see you were a tradesman in a more recent post. There was a leaf who suggest I do what he did and move across the country to work at a costco. I take it that wasn't the most sound advice I should have followed through on?

>>133951087
12k
I'm not a fucking retard who went to a 50k a year school for a basket weaving degree

>>133951087
0
Air Force and GI bill paid all my college cuckboys

>>133975463
You should see my fuckin' baskets tho bruh

$0 for student loan

my family paid for it. ROFL

still getting raped by auto loan and rent though

>>133975438
alright cool deal. i was just interested because you do analysis. it really satisfies and properly weaponizes my autism to graph things and visualize data and make sense out of puzzles and problems. i come from a programming background so i thought maybe i could give research analyst or data science a try. we shall see!

>>133975330
Senpai I could give you a whole dissertation on the Navier-Stokes equations, yet they mean fuckall to my job since CFD does that all under the hood. It's nice to know how it all works, but is it truly necessary to do my job?

>>133975455

Or you could work at a Walmart in a lower cost of living area. You say you pay $700 a month for a room. You can get a 2 br apartment for that where I live.

>>133975616
If you can write a good program for that and put together an example of what you could do for a company, you can get very far without a degree. Definitely look into Praxis and save yourself 4 years and crippling debt.

>>133951087
$7000

0. Entrance scholarship paid for first year. Did security at night after that. I could read and do my essays and patrol like twice an hour. Took it more seriously when I was paying for years 2-4.

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>>133975737
I have roommates. I pay $400 after utilites.

>>133951139
this

I don't have much, but I have something, and that's a whole lot better than the debt that a lot of other people have.

>>133951087
By the end of this year I'm looking at like 7-10k. It'll be worth it when I'm making 100k annually.

t. Health sciences major going to PT school after I finish my bachelor's

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$250,000

4th year medical student. Even though I will be making good money as a physician, its not worth going into all the debt. Do not go into medicine

>>133954486
How'd you get a grant that paid for all tuition? Maximum allotted mount per year in grants is like $5,500. That doesn't even cover half of my tuition. why did you stay in dorms? Just commute

>>133961546
would rather do this tbqh

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>>133975655
I feel you fambly. I work in creative, you can't teach that, it takes years of trail and error - very rarely you get a natural talent, but that shit is diamonds. I can appreciate your line of work and the deep knowledge vs practical implementation aspect. Heavy shit, tho I can dig it

>>133975972

Do they work at Walmart too?

>>133951087
About $15k. Got off the hook before it became to monstrous. I work a well paying job so it will be paid off in no time, and it at least gives me an opportunity to build excellent credit (fuck the credit Jew though).

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>>133976482
Some do, yes.

>>133951087
0 because i dropped out of uni after my first year and got proper job.
Currently have 10k $ in savings and preparing to buy a farm.

Enjoy your art studies Pedro.

>>133951087
0 Didn't fall for the college meme. Bout to get into a trade or just go full neet then probably kill myself around 30. WE SHALL SEE

>>133958060
> I occasionally put big payments through my credit card and spend a few months paying it back, it costs a few quid in interest payments but boosts my rating.

Certifiably retarded.
They really got you wrapped around their finger, holy fuck.

>N-No, I WANT to pay them extra money

Jesus christ, I bet you're into FinDom too.

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Zero. Took the junior college route while working part-time. Not only am I debt-free, I have about 20-30 Grand to my name.

Now I'm taking a job at a bank. Neeheehee, shekels for me!

>>133958132
Fuck off Kim

>>133951139
>Being an uneducated swine

Pathetic

>>133976627
Go for the trade, anon. Say what you want about unions (I've worked with them, aND have seen middle-aged adults throw tantrums when I asked them to do a simple task), but they take care of their own.

>>133951087
Zero

Did 2 years of community college and then joined the Armed Forces in a technical field.
Currently make a livable wage with room for promotion and have zero debt so I consider myself luckier than 2/3 of Millennials

>planning on going back to school
>one textbook costs $160+

How is this OK?

O baby, Trust fund for the win. Livin up the experience with a history major and lots of babes.

>>133951087
About tree fiddy

>>133953759
How long did it take?

>>133977087
>Buying textbooks

This is why you're in debt, you need to work the system. Pirate your textbooks and watch college be manageable now.

>>133977087
It's funny how these brainwashed drones would rather protest the government or whatever for muh free college and gibs and the fucking schools themselves that make the prices outrageous. Oh and just pirate the books anon what my friend did.

None because I realized that I can self teach everything I need and now I make $100,000 a year in cyber security.

>>133960222
80k grant? Nice b8 m8. maximum allotted amount from fafsa annually is $5500. NEETs ITT will believe this too, sad!

>>133977361
I'm not in debt, actually, and I do try to find textbooks online but many are not pirated, yet.

Even so, that doesn't excuse such an exorbitant price.

>>133958115
>>133958087
how the fuck can you get that much in debt going to psu??? are you an out of stater who took 8 years to graduate?

>>133951087
Paid it all off on my 30th birthday. $0 in debt except for credit cards, which I pay in full monthly -- I have never paid a penny of CC interest.

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>>133951087
$0 and about to be amazing job market

https://www.youtube.com/watch?v=Mcf9CLMQuRQ

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>Economics with a minor in math
>paid off 20k still 7k left
>A cook at a thai restaurant
>cant find a job in my field
>joining navy instead

$0, I worked my ass off in high school to get a full ride to a decent/above average STEM university (not an elite as white males do not get full rides to elite schools). Newsflash retards: if at least half of your tuition isn't paid for by scholarships, you're too dumb to go to the school. Ideally you get a full ride like me but you should strive to have at least the majority of the costs paid through scholarships.

$34 I dropped out first semester because fuck that shit but still have a campus parking ticket I won't pay

>>133977087
>Buying textbooks
Ayyyy lmao

$0, I'm a 22 year old NEET looking at the college meme in the face.

Should I just join the marines bros

$0 and I hope it stays that way.

>>133977828
Yes. If you can handle it. Then college will be practically free and you have other decent benefits for life because you volunteered while all the cool kids were yelling about being a welfare queen or working for da joos. Just do your time, and get out.

>>133978045
Or get screwed and end up homeless

>>133951087
$0
>Go to community college to knock out your Gen Ed credits for a fraction of the price of 4 year uni
>Hold part time job while going to school
>Transfer to an in state uni after earning your Associates degree (many states are establishing guaranteed acceptance programs between community colleges and state unis)
>continue working through your last two years
>Apply for every grant and scholarship you even remotely qualify for
If you do all of this, there's no reason you should graduate college with more than a couple grand of debt at absolute most.

>>133977087
>$160
In my short time in college I didn't get a book for less than $300 what the fuck is he taking?

>>133951087
>WHY DO I HAVE TO PAY BACK LOANS!?!? THIS IS SO UNFAIR!

College students are the absolute fucking worst.

>>133965184
Dude, go for STEM you literally need the degree in the field (which is and will always be in high demand). I don't get people that think college degrees are worthless. You think some retard without a degree is going to get a job as a doctor? LMAO niggers going for economy or business degrees complaining about not being able to get a job make me sick. Maybe you should go for something that will guarantee you a nice job. The debt btw is nothing. Collections isn't going to kick your door down or freeze your bank account for student loans. Also, the debt in the long run is nothing compared to the amount of money you're going to be making annually. I'm gonna be driving a Porsche when I'm 28 and have a summer home. I don't give a fuck about arbitrary debt.

So is it worth going to college for anything other than STEM?

>>133978045
I'm /fit/ as fuck but I don't know what to expect really
How much time do I invest in it? I really don't want to go to afghanistan but I'd be happy killing commies in North Korea if that escalates

>>133978255
Federal reserve debt money is created out of thin air at no cost to the private banks that create debt money. So why can't the students create money out of thin air to repay their debts? Wouldn't that be fair?

>>133966414
STEM

>>133969264
This.

>>133978198
>be going into Physical Therapy
>PT school is super competitive
>want to get a quality education
>community college is full of niggers and nigger teachers
>don't learn shit
>don't get into PT school
>be stuck as shitty PTA making 40k annually

Sorry, but I'll take on my debt so I can actually get a better education

>>133977390
Don't need the books. Need the codes out of the books to access the online course work. I fucking love college

>>133951087
Nadal, totally liquid, debt free. Apart from renting a home

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About 10,000$
I went to a shitty college that eventually got shut down for jewing people, but rubbing their hands, they were able to avoid repaying the debts despite everyone currently enrolled would be getting worthless degrees.
So instead I got a trade job in a navy ship yard STARTING at 28/hr and I'm drowning in more then I know what to do with

>>133964588
>If I were good at anything
Apply at Orkin, there is a bedbug epidemic. Go to BOCES or some continuing adult education and take welding or plumbing or HVAC. Something the plethora of google geniuses are too good for.

>>133964738
>. Then I know guys who went to college and sure they took on that 5-figure student loan debt, but their earning potential is well above $100k/year.
I'm running a business that is starting to turn a profit, but it wasn't college, it was managing a Wendy's while in college that turned out to be the education that is going to be my career.

>>133965124
Excellent. Can you get that trash I asked you about when you're done shitposting...or no tendies.

>>133979968
I'm not in new York. Too many meth heads and non-whites in the trades.

>>133980546
The point is a acquire a skill and you can buy a van, list on Craigs list and in a few years, control your own fate. Electrician would work and it involves about a year in trade school.