Catch phrases that make sense until you think about them
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This one makes me giggle like a school girl.
:laugh:
Ha!0 -
nvm...0
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Our daughter is 23 years old. Married woman, independent student. Working on a chemical engineering degree at an excellent Ohio state school. She gets almost nothing. The pell system has been gutted and her grant doesn't cover 2 books per term. She and her hubs are working their butts off, mom and I are providing the support we can, and they're doing it on private student loans that are just slightly better than credit cards.
10 years ago you were right, but that's not the case anymore. To go to college nowadays requires massive family support, tons of scholarships that are hell to qualify for, or just going in hock up to your *kitten*. It's disgusting. One year at a state school without a dorm room or meal plan should not cost more than a new car.
scholarships ARE hell to qualify for. They're paying you to further your education, imho, it should be difficult to earn that.
I went to U of Nevada Reno. Each semester I took the number of classes I could take, based on how much financial aid would pay for. I never even earned any grades-based scholarships, I only relied on the Pell and the Stafford loans I could take out. I was also married at the time, stepkid in the house, and working to support our household. I was above the age where they consider your parent's income.
It took me 6 years to do it, but I finished my bachelor's degree in 2004, and graduated with just about $28,000 in loans. I was fortunate to be able to lock in a lower rate of interest (3%), because in 2004 interest rates were at an all-time low. That was pure luck on my part. I realize many people have higher rates on their loans.
8 years later, I am a starving school teacher and my husband is on unemployment. I have been able to pay minimal payments, or get deferments, and have suffered no ill effects to my credit score based on my inability to pay down my student loans. I am going to be in a position to pay them down pretty soon, but it hasn't happened yet, and my credit is still OK.
That's just my story. Everybody's got one. But I had NO out-of-pocket expenses to attend college.
Perhaps your daughter is attending a more expensive school than she can afford.0 -
Here is a non-political one:
"If you hit your brother again, I'm gonna whip your butt"!
HAHA YES!
or,
"STOP SHOUTING!!!!", she yelled at the kids.0 -
My daughter is in a very similar situation to what you describe. Married, old enough, etc. She is not working so she can concentrate on school. Her hubs does not make a lot of $. Her Pell is about $500 a semester. She is not eligible for a Stafford. As I said, all that has been gutted. It can't be done with no out-of-pocket anymore - at least not at a 4 year school. You can still do Community College on FAFSA alone, but if your goal is the BS you're going to need some cash and some help.scholarships ARE hell to qualify for. They're paying you to further your education, imho, it should be difficult to earn that.
I went to U of Nevada Reno. Each semester I took the number of classes I could take, based on how much financial aid would pay for. I never even earned any grades-based scholarships, I only relied on the Pell and the Stafford loans I could take out. I was also married at the time, stepkid in the house, and working to support our household. I was above the age where they consider your parent's income.
It took me 6 years to do it, but I finished my bachelor's degree in 2004, and graduated with just about $28,000 in loans. I was fortunate to be able to lock in a lower rate of interest (3%), because in 2004 interest rates were at an all-time low. That was pure luck on my part. I realize many people have higher rates on their loans.
8 years later, I am a starving school teacher and my husband is on unemployment. I have been able to pay minimal payments, or get deferments, and have suffered no ill effects to my credit score based on my inability to pay down my student loans. I am going to be in a position to pay them down pretty soon, but it hasn't happened yet, and my credit is still OK.
That's just my story. Everybody's got one. But I had NO out-of-pocket expenses to attend college.
Perhaps your daughter is attending a more expensive school than she can afford.
She is going to an Ohio state school. (Ohio University BTW - Go Bobcats). There is no cheaper 4 year school - none.0 -
My son just got a huge amount in Pell grants and Stafford loans. He has everything covered and doesn't have to pay back any loans until graduation. Interest rate wasn't bad, either. He's on his way to a small, private school out of our state. I just don't understand when I hear people say they can't afford to go to college any more.0
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My son just got a huge amount in Pell grants and Stafford loans. He has everything covered and doesn't have to pay back any loans until graduation. Interest rate wasn't bad, either. He's on his way to a small, private school out of our state. I just don't understand when I hear people say they can't afford to go to college any more.
A friend of mine did not qualify for any college loans because his parents made too much money. They refused to help with a dime towards school. He had to work his way through and never finished and it was NOT easy for him.0 -
Our daughter is 23 and married. Our income doesn't matter and is not consider. I'm not sure why,,, I wasn't in the FAFSA meetings,,, but she's not eligible for much of squat. No stafford loan and a tiny pell grant.0
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I'm not saying its easy. I'm saying it can be done. And if his parents aren't supporting him, he can apply with his own income.A friend of mine did not qualify for any college loans because his parents made too much money. They refused to help with a dime towards school. He had to work his way through and never finished and it was NOT easy for him.0 -
I'm not saying its easy. I'm saying it can be done. And if his parents aren't supporting him, he can apply with his own income.A friend of mine did not qualify for any college loans because his parents made too much money. They refused to help with a dime towards school. He had to work his way through and never finished and it was NOT easy for him.
It's not that simple. At 18 and right out of high school, you have to count your parents' income. At least you used to. He did not qualify for loans or grants. Not even $100 worth. My cousin had a similar problem even though she hadn't lived at home in years.0 -
Our daughter is 23 and married. Our income doesn't matter and is not consider. I'm not sure why,,, I wasn't in the FAFSA meetings,,, but she's not eligible for much of squat. No stafford loan and a tiny pell grant.
Your daughter is considered independent because she is married. Had she not been married she would be considered a dependent of you up to age 24. Sadly, she would probably qualify for more financial aid if she were not married due to the crazy way they determine a student's expected family contribution.0 -
Opportunity in America means people 'get as much education as they can afford'
But in the interest of fairness, here is the entire statement as it was spoken.
I want to make sure that we keep America a place of opportunity where everyone has a fair shot, they get as much education as they can afford and with their time they're able to get and if they have a willingness to work hard and the right values they ought to be able to provide for their family and have a shot at realizing their dreams.
I have zero problem with this statement, either the abbreviated version or the full length one.
College education isn't a right. Everyone isn't destined to go.
Regarding the Nancy Pelosi comment. As I said, it's awkward, and a politician should be more astute to how sound bites can easily turn into a meme. So even though the sound bite is disingenuous, I don't have a great deal of passion to dedicate in its defense.
As far as Romney's statement, I didn't initially see a problem with it, but as I thought about it I did. For me the issue isn't one about a right or destiny. I don't view opportunity the same as commerce. Money can provide/purchase opportunity, in some circumstances. However, education can quickly become unaffordable, removing the opportunity for many. As tuition rises and incomes don't, it is harder to afford to pay for it. Also, even with loans, you can graduate and not be able to afford to live because it is too high. In my eyes, credit and loans are not affording it, that is living outside of your means. Is it worth it for an education? I think so, but if not monitored, managed, regulated the price of education can easily turn predatory, result in price gauging, etc.
I think those with the ability, smarts, and desire to do well should be allowed the opportunity to prove themselves because I think it bodes well for them and the country. The best and brightest should succeed provided they are willing to work for it, not necessarily just the well connected and those who are well off. We know that having the smarts, ability, and desire is not always enough if someone with power and money wants to stop you, even if it is unfair. To me, the concept of making sure education is affordable for all is similar to anti-trust laws.
Personally, just because I had to do ABC, I don’t begrudge someone that has the opportunity to avoid such obstacles. (I worked my ways through school and did take loans that I am currently repaying – well on hold now because I am taking classes. But if laws change or the system changes and someone else avoids doing what I had to do, I don’t have a problem with that. I don’t subscribe to the “misery loves company” rule.)0 -
I'm not saying its easy. I'm saying it can be done. And if his parents aren't supporting him, he can apply with his own income.A friend of mine did not qualify for any college loans because his parents made too much money. They refused to help with a dime towards school. He had to work his way through and never finished and it was NOT easy for him.
Granted it's been a few years since I was at that stage but that was not a possibility. They could care less if your parents contributed to your schooling, they required your parents income for loan qualification purposes until you reached the 'special' age that THEY considered you an independent student.0 -
I'm not saying its easy. I'm saying it can be done. And if his parents aren't supporting him, he can apply with his own income.A friend of mine did not qualify for any college loans because his parents made too much money. They refused to help with a dime towards school. He had to work his way through and never finished and it was NOT easy for him.
Granted it's been a few years since I was at that stage but that was not a possibility. They could care less if your parents contributed to your schooling, they required your parents income for loan qualification purposes until you reached the 'special' age that THEY considered you an independent student.
Here are the criteria for independent students according to FAFSA...
Be 24 years of age or older by December 31 of the award year;
Be an orphan (both parents deceased), ward of the court, or was a ward of the court until the age of 18;
Be a veteran of the Armed Forces of the United States;
Be a graduate or professional student;
Be a married individual;
Have legal dependents other than a spouse;
Be a student for whom a financial aid administrator makes a documented determination of independence by reason of other unusual circumstances.
My first year of school I worked in the Financial Aid office which kinda sucked but it helped me figure things out. I ended up asking the director of FA to declare me independent at 18 yrs old iirc.0 -
Our daughter is 23 and married. Our income doesn't matter and is not consider. I'm not sure why,,, I wasn't in the FAFSA meetings,,, but she's not eligible for much of squat. No stafford loan and a tiny pell grant.
it's really none of my business, but I can't understand why she can't get Stafford. Three of my kids are currently in college and they are all using Stafford loans to make it happen, and I have yet to contribute cent number one to any of their college expenses. The eldest son got his entire Bachelor's degree, straight out of high school, before the cut-off age, at my same University, with no out of pocket for his either. He graduated in 2010.0 -
Looks like this is going to last awhile.
As I see it, the issue is not necessary "can everyone figure out a way to get to college", but more "is it really a good thing for the nation as a whole to be saddling an entire generation (or two) with college loan debt that is equal (or greater than) many of their parents' first mortgages?
Regardless of the pseudo "morality" issues that people continue to focus on, from a practical standpoint, i don't see how that helps the long-term future of the country. It's like everything else in today's economy---the colleges get theirs, the banks REALLY get theirs (from both the students and the government), and the students and their families are left holding the giant bag o' debt.
I know when times are tough, it's easy to want to circle the wagons and say "I've got mine--you're on your own". Those who feel that society has an obligation to help out the less fortunate are ridiculed and dismissed as being "impractical" or "socialists". Helping others is "something we can't afford", and, anyhow, the lower and working classes are just lazy deadbeats looking for a free ride ("I know a guy who............"). Or some people sincerely believe that there is nothing you can do, we've spent money and it doesn't work, so that's just the way it is.
However, IMO, when your middle class starts to erode the way it has, and the pathways to upward mobility are slowly choked off (as has been shown is happening in the US), then eventually everyone pays. I don't know of any country in history that has continued to grow stronger and make progress while downgrading the educational opportunities for its younger generation.
So when I say "America works best when it works for everyone", to me that's not some flowery idealistic jargon. It's a practical and critical mission statement for how we deal with our fellow citizens.0 -
Looks like this is going to last awhile.
As I see it, the issue is not necessary "can everyone figure out a way to get to college", but more "is it really a good thing for the nation as a whole to be saddling an entire generation (or two) with college loan debt that is equal (or greater than) many of their parents' first mortgages?
Regardless of the pseudo "morality" issues that people continue to focus on, from a practical standpoint, i don't see how that helps the long-term future of the country. It's like everything else in today's economy---the colleges get theirs, the banks REALLY get theirs (from both the students and the government), and the students and their families are left holding the giant bag o' debt.
I know when times are tough, it's easy to want to circle the wagons and say "I've got mine--you're on your own". Those who feel that society has an obligation to help out the less fortunate are ridiculed and dismissed as being "impractical" or "socialists". Helping others is "something we can't afford", and, anyhow, the lower and working classes are just lazy deadbeats looking for a free ride ("I know a guy who............"). Or some people sincerely believe that there is nothing you can do, we've spent money and it doesn't work, so that's just the way it is.
However, IMO, when your middle class starts to erode the way it has, and the pathways to upward mobility are slowly choked off (as has been shown is happening in the US), then eventually everyone pays. I don't know of any country in history that has continued to grow stronger and make progress while downgrading the educational opportunities for its younger generation.
So when I say "America works best when it works for everyone", to me that's not some flowery idealistic jargon. It's a practical and critical mission statement for how we deal with our fellow citizens.
College costs were driven up by the same mechanism as real estate. Easy access to loans for whoever wanted them. The big difference is that when home owners figured out they couldn't pay a 500k mortgage with a 40k per year annual income they just walked away from the house and took their 7 year credit hit. If you take out 100k in student loans you have them forever (more or less) until they are paid off. Put a cap on the amount of money students can borrow and you will see college costs drop. Make student loans forgivable in bankruptcy and you will see college costs drop.0 -
On the subject of buying war:
"Preemptive strike."
On the subject of buying soup:
"Made with farm-grown ingredients." (Campbell's Soup slogan)
-Debra0 -
Y'know,,, I have a gold card. It's pretty cool, I can charge lotsa stuff. But I'd never charge a $100 pizza, cause I'm not an idiot. I know that a pizza is one dollar crust and fifty cents worth of sauce etc.etc. plus a dollar labor to put it all together plus a gentlemanly profit equals twelve dollars. That's what it costs, and what's reasonable and fair. If Dominos raises their prices too much I'll go to Pizza Hut, and that keeps 'em both honest.((SNIP))
College costs were driven up by the same mechanism as real estate. Easy access to loans for whoever wanted them. The big difference is that when home owners figured out they couldn't pay a 500k mortgage with a 40k per year annual income they just walked away from the house and took their 7 year credit hit. If you take out 100k in student loans you have them forever (more or less) until they are paid off. Put a cap on the amount of money students can borrow and you will see college costs drop. Make student loans forgivable in bankruptcy and you will see college costs drop.
So if easy credit made college costs go nuts, I have 2 questions...
Why didn't the hallowed free market keep this under control?
and - where'd all that money go?0 -
I don't know LL. She went to the school financial aid office and did the paper and answered the questions and they got her as much as they could get her,,, and it wasn't much. I wasn't there. She's a grown woman, and there's not much I can do.Our daughter is 23 and married. Our income doesn't matter and is not consider. I'm not sure why,,, I wasn't in the FAFSA meetings,,, but she's not eligible for much of squat. No stafford loan and a tiny pell grant.
it's really none of my business, but I can't understand why she can't get Stafford. Three of my kids are currently in college and they are all using Stafford loans to make it happen, and I have yet to contribute cent number one to any of their college expenses. The eldest son got his entire Bachelor's degree, straight out of high school, before the cut-off age, at my same University, with no out of pocket for his either. He graduated in 2010.
Mom and I both did it on Staffords. Me to a 2 year degree that I paid off long ago - Mom to an MA that we'll be paying for a long time yet. I don't know why she didn't qualify.0
