Wouldn't it make more sense to refund those who were responsible and already paid them off?

AggieChamp2021 said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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Not sure we are dismissing any talk over concern, we are simply stating that a forgiveness program compounds the issue. As a constitutional conservative, you should understand that the more that government gets involved the worse things ultimately get. If we want education costs to fall, kids are gonna have to start choosing alternatives (trade schools, etc...) and stop attending traditional colleges. Only way colleges will correct the current path is when they start seeing less revenue.

Aggie Jurist said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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Well, the solution is not to bail out colleges and their students/alumns. The solution is to reform higher education. Problem is, there are too many non-producers being paid by colleges. College doesn't need to be expensive and many college degrees are worthless anyway. It's not up to older, younger, middle-aged, conservatives or progressives to pay for the bad decisions made by those who chose worthless degrees or over-priced schools they couldn't afford.

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I get that and I agree with you for the most part. I just feel bad for the people who took out $100K as a naive 18 year old and come out of college with a business degree making $60K. Or anyone who wants to be a teacher. There's already a teacher shortage. I can't imagine trying to pay back student loans on a teacher salary.

Good news, if you are a teacher and pay on your loans for i believe 10 years there is already an avenue to debt forgiveness. You don't need to worry about them any more.

What you are asking for is for the rest of America to take responsibility for other peoples poor choices. Hard pass. Life isn't fair. Wa t to make more money? Step out of your comfort zone or get a marketable skill. Making everyone else pay for your life is out of the question and you getting all butthurt thst people here aren't agreeing with you says a lot about you and what you actually believe mister "I'm A ConStItUtIoNaL cOnSeRvAtIvE. " You aren't even advocating for a fix, just to hand out get out of jail free cards on the backs of taxpaying Americans

Take a second job. Take all money from second job and pay off student loan

I'm not in my 50s as you inferred earlier and scored far lower than you in high school but was smart enough to not take out a $100k in loans. Didn't even cross my mind

AggieChamp2021 said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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We've already provided numerous solutions to rising education costs, they just don't fit what you want and your expectation of getting everything you want immediately

This would be the death of the moderate liberal.

AggieChamp2021 said:

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Aggie Jurist said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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Well, the solution is not to bail out colleges and their students/alumns. The solution is to reform higher education. Problem is, there are too many non-producers being paid by colleges. College doesn't need to be expensive and many college degrees are worthless anyway. It's not up to older, younger, middle-aged, conservatives or progressives to pay for the bad decisions made by those who chose worthless degrees or over-priced schools they couldn't afford.

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I get that and I agree with you for the most part. I just feel bad for the people who took out $100K as a naive 18 year old and come out of college with a business degree making $60K. Or anyone who wants to be a teacher. There's already a teacher shortage. I can't imagine trying to pay back student loans on a teacher salary.

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I had 75k of debt making 46.6k as an IT guy. My monthly payment was small because student debt was similar to a mortgage. Now? My debt is gone and I run a small IT shop doing pretty well. My competent peers who are W2 in this industry are well north of 200k.

I would of loved to start out making 60k as a business major.

Newsflash, you don't normally start out high after college and have to work your way up. It sucks but welcome to the machine buddy.

Yes I acknowledge college is a racket right now - especially with federally backed loans but the solution is to not make everybody pay for it but stop the games and put the burden on the lender / lendee via bankruptcy court. The nonsense will end tomorrow.

AggieChamp2021 said:

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Aggie Jurist said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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Well, the solution is not to bail out colleges and their students/alumns. The solution is to reform higher education. Problem is, there are too many non-producers being paid by colleges. College doesn't need to be expensive and many college degrees are worthless anyway. It's not up to older, younger, middle-aged, conservatives or progressives to pay for the bad decisions made by those who chose worthless degrees or over-priced schools they couldn't afford.

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I get that and I agree with you for the most part. I just feel bad for the people who took out $100K as a naive 18 year old and come out of college with a business degree making $60K. Or anyone who wants to be a teacher. There's already a teacher shortage. I can't imagine trying to pay back student loans on a teacher salary.

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I didn't feel bad for my young Privates in the Army that stupidly got their $3k bonus check and thought they could afford a Hummer, I pitied their stupidity. Doesn't mean I should pay for their stupid purchase. There is a program for people that don't have enough to go to college to be a teacher, they can join the military and there is a program that will educate you and transition you into teaching. Again, work for what you want

So the government unnecessarily pushes "college education" on the public for decades, inflating enrollments with more people getting useless real world degrees and saddled with debt, and now they want the taxpayer to bail out their agenda?

I was well over $100k with a liberal arts degree and law school and still paid it off. Why can't everyone else?

AggieChamp2021 said:

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I can agree with a lot of the points you made. And I disagree with your statement that my points were incorrect. Just because you disagree with them doesn't make them incorrect.

Besides the point, I have a question. Do you think forgiving student loans or cancelling interest helps the economy in any way? The way that I see it is that every single dollar that I save on interest is another dollar that goes into the economy or goes towards being able to buy a house. I'm not saying interest should or shouldn't be postponed as it is now, I'm saying that it does help out my personal situation.

I completely understand you comparing student loans to mortgages, but I believe that there are fundamental differences. First, high schoolers are being told that they will be able to pay back loans, but they don't have the financial maturity to understand the consequences for taking out these loans. As someone who passed 8 APs and got a 780/800 on my SAT math in HS, I sure as hell didn't understand. If I didn't, then I'd be willing to bet at least 90% of high schoolers don't understand the severity of making a decision that big. I knew the number was big. I knew I would have to pay them back. But I didn't truly understand it like I do now. Secondly, education is in the best interest of the country. I'm not saying everyone should go to college, but it does make sense for the country to be a little bit concerned with rising costs of education.

Lastly, I'm paying back my loans as promised. Actually, I'm paying more than the payments require. I dedicate 40-50% of my monthly salary towards my loans. I'm doing this to better my financial situation as I have large financial goals. I just wish people from older generations realize that today's world is very different from the ones that they had at our age. Costs of living are way higher and education costs are crazy high just to attend an in state school. I sure as hell know that I am where I am today because of how amazing Texas A&M was. I got a great job because of the Aggie network and what Texas A&M means on my resume. I matured a lot, I learned a lot, and I met my beautiful wife.

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I completely disagree with it helping the economy. Student loan debt isn't the disease, it's a symptom of the disease of debt that can't be discharged in bankruptcy. If you forgive loans tomorrow, and you don't address what caused the ballooning of these loans in the first place, then in 10 years, we are right back where we were today. Except this will be after the government has to print another trillion and a half dollars to cover the debt, further accelerating inflation. Colleges will get more expensive at more astronomical rates, kids that shouldn't have been in college or weren't ready yet will be saddled with ever increasing amounts of debt even though they dropped out 2 semesters in, and the people who take 7-8 years of college will be further in the hole on paying the debt back.

And again, why should someone who never had a chance at college be forced to subsidize the small percentage of people who took money for college and now can't pay it back?

I'm ok forgiving debt and paying back anyone within 15 years.

Send the invoice to the college endowments and tenure professors

AggieChamp2021 said:

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Aggie Jurist said:

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Also as a young constitutional conservative, I wish older conservatives realized that dismissing any talk about concern over rising education costs is a LOSING strategy. Republicans NEED to provide solutions to people concerned about student loan levels, someway and somehow

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Well, the solution is not to bail out colleges and their students/alumns. The solution is to reform higher education. Problem is, there are too many non-producers being paid by colleges. College doesn't need to be expensive and many college degrees are worthless anyway. It's not up to older, younger, middle-aged, conservatives or progressives to pay for the bad decisions made by those who chose worthless degrees or over-priced schools they couldn't afford.

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I get that and I agree with you for the most part. I just feel bad for the people who took out $100K as a naive 18 year old and come out of college with a business degree making $60K. Or anyone who wants to be a teacher. There's already a teacher shortage. I can't imagine trying to pay back student loans on a teacher salary.

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So I started my first 2 years at A&M in 99, bc of family issues and so on I finished my Degree at A&M CC. Guy in one of my classes at A&M CC attended North Western, all out of pocket on school loans. He had accumulated 46k in dept for just one year in architecture school. I worked 2 jobs, had a little help from the parents, and graduated debt free. That's called a bad decision, and the lender should be blamed not the tax payers. If you're dumb enough to accrue 100k in school loans for a teaching degree, you deserve that amount of debt.

Anybody that calls themselves a "Constitutional Conservative" but argues in favor of the government forgiving $1.5 trillion in student loans isn't a "Constitutional Conservstive"

If this happens I'll make about $30k been taking out the max since PeePaw got elected thinking he would do this. Whole lotta tech tards gonna be pumped all their pizza delivery tips don't have to go their loans anymore.

I worked my arse off paid my $30k worth of student loans after a BS in Biomedical Science and a masters in an Acute Care Nurse Practitioner degree. Will I get a check for that $30k or will my taxes go to paying off the student loans of some dips***t who got a BA in 18th Century Lesbian Poetry?

AgNav93 said:

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Ellis Wyatt said:

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This will help inflation. Dumbass.

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Like he gives a ****. He's trying to buy votes ahead of the mid terms.

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Won't matter…the Dems are screwed come November. That ship sailed…and is far away

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Wouldn't it make more sense to refund those who were responsible and already paid them off?

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No, it would make more sense to not forgive a single dime and expect those who took out loans to pay them back.

AggieUSMC said:

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Wouldn't it make more sense to refund those who were responsible and already paid them off?

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No, it would make more sense to not forgive a single dime and expect those who took out loans to pay them back.

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Every single dime

IslanderAg04 said:

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This would be the death of the moderate liberal.

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That's been dead for a while…

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Or anyone who wants to be a teacher. There's already a teacher shortage. I can't imagine trying to pay back student loans on a teacher salary.

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Your solution of forgiving student loans will further devalue the dollar, which will in turn lessen a teachers pay as every dollar they make will be worth less

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And again, why should someone who never had a chance at college be forced to subsidize the small percentage of people who took money for college and now can't pay it back?

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Could you please answer this?

Do you realize how big 10% of that debt is?

Like the very first post said, it's incredibly obvious what this is. It's not even subtle.

So pathetic.

Do you own a home? If so, you receive tax breaks on your mortgage.

Why would I have to PAY for YOUR decision? I don't own a home. I decided it was cheaper to rent than buy. I shouldn't have to pay for your decision

AggieChamp2021 said:

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Do you own a home? If so, you receive tax breaks on your mortgage.

Why would I have to PAY for YOUR decision? I don't own a home. I decided it was cheaper to rent than buy. I shouldn't have to pay for your decision

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Yes, we get tax breaks on mortgages.

And if we default on the mortgage, the government can repossess the home because the house is the collateral. With and education loan, there is nothing to collateralize because the government cannot repossess a brain. That is why these loans are not and should not be dischargeable.

Why should someone who never had a chance at owning a home be forced to subsidize the small percentage of people who use tax breaks on their mortgages for their own personal benefit?

To answer your question, there are thousands of things that the government pays for that not everyone uses. Education is a pretty big deal to the government. If the government feels like education (on average is a good thing for a country and an economy) costs are holding back the economy, then it might decide to figure out a solution.

Again, I don't know what the solution should be. I just think sitting back and doing nothing while these schools rip off students and while 18 year olds are being misled and not understanding the consequences of their actions is a terrible idea.

Ok that's fair. But why should my tax money go towards your mortgage? I don't own a home.

AggieChamp2021 said:

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Ok that's fair. But why should my tax money go towards your mortgage? I don't own a home.

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I wasn't arguing that it should, and since Trump raised the minimum standard deduction, it isn't in my situation. Same for millions of other Americans.

AggieChamp2021 said:

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Ok that's fair. But why should my tax money go towards your mortgage? I don't own a home.

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Your tax money doesn't go towards his mortgage. The feds allow homeowners to write off their mortgage interest as a tax deduction. It's one of many various deductions available to the public thanks to our ridiculously complicated federal tax system. You aren't footing the bill for anything.

That's literally the exact same thing as "forgiving student loans." You do realize nobody is going to take more money to pay off student loan forgiveness. It just adds to the federal debt deficit. That's what happens when you write off a mortgage. You give less money to the government, which just increases the federal debt deficit.

AggieChamp2021 said:

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Ok that's fair. But why should my tax money go towards your mortgage? I don't own a home.

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Just so I understand, you are arguing to get rid of homestead exemptions and just charge a flat rate, regardless of if the property is used for commercial purposes or not?

I'm not a tax expert and don't claim to be one. But what if we followed what Ted Cruz said in the 2016 GOP primary? He wanted to get rid of all exemptions and deductions. And charge everyone a straight 15% tax that they could fill out on a postcard.