It’s a scam.
>>533705953LEAVE ME A-LOAN
>>533705953Don't pay.jews don't.
>>533705953Christians who live under Muslim rule pay a jizya tax.Goys who live under jewish rule pay a usury tax.
>>533705953Yes its a scam when you dont understand how things work
>after setting her repayment schedule online to the lowest possible option which is below the interest being accumulated she still owes the full balance
>>533705953how are “college educated” people so retarded that they don’t know the terms of their loans and what amortization means? this bitch hasn’t made a single payment on the principal yet and acts like it’s my fault.
>>533705953I've made like 6 student loan payments in 12 years.unironically stop paying. when they get loud, call and defer.
>>533706110>polcel christcuck larper tries not to argue in favor of usury challenge
>>533705953>I dont know how interest or minimum payments workCollege was wasted on you, you obviously didn't learn anything useful.
>>533705953What was your major?
>>533706107Jews own and profit from the goyim, that's how it works you fucking faggot
>>533705953yeah not a fan of usury of any kind, unfortunately the inflation trap makes it necessary to get a loan to afford the prohibitively expensive university fee; I didn't choose to go and can probably never afford to go at all now. That's the thing about inflation, you get given a measly 2% per annum interest whilst the government farts out 20% inflation but lies to your face and says they're doing their best to keep it to 2% inflation - which is still an astronomically stupid number. It'd be OKAY if my money sat doing nothing was getting 20% or 30% interest rate like the loan sharks get with their dodgy promises, but that's only for the master bank jew, only they are able to issue the loan.
>>533706224>interest is too complicated!! Theyre tricking me!Thats what you get for being stupid. Interest is a eugenic system
>>533705953>oh no they applied the interest rate i agreed to!So don't take out the fucking loan from subsidized sharks.
>>533705953Daily reminder that during Trump's first term there was a law that was voted on that would cap student loan interest rates below 2%, and the jews and banks screeched, which caused the bill to be scuttled. Debt isn't just about squeezing money from you. It's about controlling your entire life outcome. A big part of jewish power is making sure you cannot economically compete with them. Jews, meanwhile, get lots of free kickbacks from tax dollars and get free education and college tuition in many cases, just for being jews.
>>533705953Notice how they never teach you about interest rates and usury in schools?
They keep falling for it though, so fuck em.
>>533706119They weren't college educated when they took the loans, that's why they took it so they could get into college and get education.
Took a degree, pays in small amounts, don't know what interests are.Retarded mutt
>>533706224fuck off, loser. pay your fucking debts. when i got to the bank jews are practically handing me bags of money. want to know why? i pay back my fucking loans because i make good investments. sick of poor faggots like you trying to ruin a good system just because you're aretarded nigger
>>533705953I actually thought student loan rates had decent interest rates in burgerland, but I looked it up and it's actually between 6-9% from the feds. Fucking hell, that's nigger tier payday loan interest rates over here, I think ours is around 2% now and it used to be lower.
>this isn't X (M-dash) it's Y!
>>533706107Were you redpilled on this shit and capable of understanding finances as a 17yo signing up for college?Thank God I never took loans but I'm smart and got mad scholarships
>>533706143Maybe don't take the money? I lived with my parents, worked full time, saved my money and went back to school at 23. Paid in cash. No loans, and qualified for some free gibs at a state school which I commuted to from my parent's house. Cost me about 30k to finish my bachelors.
>>533705953They dont teach you what interest rates are for a reason. You wouldnt do it if you learned how much it actually costs you.This is hte part that you hear people saying "Im still paying off student loans" even though youve always read it wasnt that much. if you didnt get into that good paying job you could be paying that off for a while, where it continues to increase in amount the longer it takes. Yes, education is a racket, they do it for profit, its why they love having foreigners come over for it.
>>533706107This. Maybe predatory loans wouldn't be a thing, if more people were aware of what they are signing.
>>533706598Yea im not retarded so i was able to understand how interest works...
>>533705953Woah! Calm down the antisemetism buddy
>>533705953>ten years of paying $200 a month.Nobody let her near auto loans.
>>533706014Treasury will garnish them.This was a well thought out plan to enslave then bankrupt.
>>533705953>Go to university>still don't understand interestMany such cases.Maybe get a refund from the college?
>>533705953The only education a woman needs is how to cook, clean, and raise kids.
shut down:schooluniversitymental health industrygender affirming caremoney for asylum seekers immigants whatever u wana call emhave kinguse flibe.comreplace big tek with greenarrays.com, also replaceing movies net games university schoolburn hydrogen in dymaxion car with rotary enginemaybe stirling engine modelmaybe tesla turbine modelrepalce red light with road circlerepalce overpass with middle u turn laneuse more canals n bargesmonorailstrainstramssince electricicty now freeend building codes when not near skyscrapersdeah penalty to say somethgin agaisnt white malesjews deadorc sold inc mik wop feministimport millino hot 14 year old slave girlsfree castles n towers etc for white male engineeradvance tek in all directions with king printed R&D fundsmake year 1 doctors do nursingmass produce everything 0 trade 0 immigrationcut dick or clit off criminals
>>533705953But now as a liberal arts major she can change the world.
>>533705953jews got to eat, antisemite
>>533705953It's called debt slavery. Soon, the fee for your birth will be applied to you directly, along with all your school fees and you will never pay it off.
I am going to start selling 1 year phd in all subjects and doing studies n publishing research in my own journals lolzbillionaire in 3 yaers!
>>533705953AI slop the whole thing
>>533705953>too young to drink beer yet>old enough to get into life-crippling debt
>takes out high interest loan to earn some useless degree >makes minimum or below minimum payment >wtf? Why is the amount I owe not going down!?!?!Play Jewish games win Jewish prizes.
so u pay 100kI print piece of paper for youwhat a biz!then u get gakekd by loans too LOL
>>533705953Welcome to (((((((((((((usury)))))))))))))))))
>tell people they need college degrees to be gainfully employed>make college degrees 5 figures>only way to pay is to accept predatory loanshow to make a debt slave class 101courtesy of boomers and jews
>>533705953So she paid off 30% of her initial loan>inb4 chuds don't understand inflation
>>533706110You understand this should be illegal right? It's incredibly fucking jewish when you think about it.Minimum loan payments should cover interest and some percentage of the principle.>muh tough timesTough times happen I agree and in those cases loans repayments can be frozen. It's called hardship.
>>533705953>$212 per paymentyeah, you should be paying more than the minimum. Tired of all these retards who don't understand how things work complaining about how they got screwed by basic math
>>533706751Or maybe we could just stop letting predators live with us.
>>533705953>Doesn't understand compounding interest>Pays absolute minimum of about 211, which doesn't even cover interest.>Pikachu face when you never get ahead.Had she spent 500 per month, they would owe a out 5000 still, and paid a total of 60k.Had she said 600 per month, the debt would have been gone for over a year, and only paid about 62k.I do think that colleges should be punished when they sell a worthless degree, and the student can't find work with it. I am not sure student loans should even be available for degrees with minimal economic value, but there is at least some personal responsibility here
>>533706642Other people do take the money, which raises the cost of tuition. You had to spend 30k because of other people who take loans. If loans were illegal, you wouldn't have even needed to spend 10k. I really wish people understood how usury works.
Welcome to the new slavery system. They got rid of the plantations and put everybody in debt. Andrew Jackson was the only president to pay off the federal deficit, and the Jewish bankers crashed the economy in retaliation.
>>533708554It's more accurate to blame bleeding heart leftists. They saw college degrees as valuable, and that it was unfair the darkies were less likely to have a degree, which they believed was due to economic inaccessibility. So they pushed this idea that every child deserved a college education.If there had been any guardrails at all, in terms of only paying for valuable degrees, and only paying for people with good grades who could pass college without dumbed down retard programs, most of the fallout wouldn't have happened.Instead, we created a system where infinite dollars popped into existence, and colleges just had to create programs that even a retarded archaic hominid could pass. Hence how college coursework became so much easier, and how it became just an extension of public schools being retard daycare.
>>533705953Thanks, Obama. Actually for this one. He's the reason you lose money when you work overtime too. Crazy how everything he did was perfect for lazy nignogs. Too bad they ruined the no work requirement free food gibs. I was living like a negro KANG until that shit hit.
>>533708810It's kinda silly to punish colleges for degrees when whether or not you can find a job with them is wholly dependent on supply and demand. A sector that has shortages today can be fully saturated 5 years down the line because lots of people read in the newspaper there's a shortage and went for that degree (e.g. learn to code). At 18 year old you are considered by law a grown and responsible adult. If people pull out the argument that they didn't know better, maybe they should be offered loan forgiveness in exchange for their civic rights. If you can't even be responsible for your own finances how can you ever be trusted with your right to vote?
>>533706688>They dont teach you>says on this paper 7% interest on the loan>wonder what that means>hey siri what does interest on a loan mean
If they didn't allow interest only payments like 99% of complaints wouldn't exist
>>533708912Other people having loans is probably less of an inflationary effect on college tuition than the millions of foreigners that are given visas to study here and then given a direct pathway to employment over Americans.
>>533709311>Well, 7% of 50.000 is just 3.500 - that's totally affordable...Wait, you charge that EVERY YEAR?
>>533709474Every month.
>>533708632Inflation is literally a tax on a finite amount of money because of an expanding supply. Someone else’s loan just devalued your dollar. And the debt torpedoed your bank. Welcome to kikenomics
>>533705953You should be required to pay down some of the principal so that this doesn't happen
>>533706436they’re college educated now and somehow interest is still a mystery to them.
>>533705953Pro-tip, with inflation, that $50k is actually worth less than the $49k originally burned. Maybe if she paid attention in her studies she would realise this.
>>533705953Wait... usury... is a scam?
>>533706110>he swallowed the full loadWhy are you even here?
>>533706107>>533706110>parents have to cosign student loans because applicants are generally not old enough to take on a massive loan>parents also push teens into college because it's 'required' >graduates can't get jobs because parents generation outsourced them all to jeetspay up goy!
>$200 a month for 10 yearsIs this the same dumb bitch who thought apple pay was just free money that apple gave you for using your iphone? Don't get me wrong, usury should be banned under penalty of death and everyone who's committed it should be executed immediately, but it should also be a crime to not teach your children even basic financial literacy, especially when there are indeed legal guardrails and disclosures for shit like this that will tell you exactly what you're getting into and how fucked you will be making nothing but minimum payments for a god damn decade.
>>533708912This.Too many morons kneejerk "just don't get scammed brah" and don't realize it isn't just the idiots getting screwed it.
>>533705953Not saying the way american college works is good.But you need to pay people so they lend you money (interest).Why else would they give you the money instead of investing it elsewhere (with return).
>>533705953interest is not real. don't pay it.if they try to argue just tell them you aint paying ANYTHING. They will remove the interest.
>>533709911I want the loan terms to get so predatory and unrealistic that the entire system collapses. Only by accelerating the exploitation can we get the sympathetic goys to realize the true nature of the kikes.
Zognald just discovered his new favourite yesmen and shill lmao
>>533705953They said that with mine. In ten more years they'll be forgiving a third more than I initially borrowed after I also pay in 30k more than I initially borrowed. Something tells me they're going to change the terms and just keep me paying 15 percent of AGI until I am dead. Wish I'd never enrolled, obviously. It's already principally unpayable at my present rate of pay and I did a PhD.
>>533710366>only by shooting my own dick off will I get bumped to the head of the line at the ER and finally be able to get this splinter looked atAccelerationists are the biggest retards.
>>533709426is that face shopped?wow gnarley shnoz n wakky jew proportionsend school n college
>>533710742You'll never gain support from the masses unless they're truly suffering.
>>533705953You shouldn't get 50k debt, if you plan to only give the minimum payment every month. The people with such balances, are counting on loan forgiveness. They aren't serious about paying their debt.
>>533706408they do here in grade 8. not that it helps much, but we don't have similar cost of education. which brings us what? lotta indians, damn right.
>>533705953The value of the dollar is probably half of what it was ten years before. She paid off half the loan and still has half remaining.In a fiat system, without knowing the interest rate or monthly payment amount, you can't tell if a loan is a scam or not.
>>533705953>It’s a scam.All Kike loans are - How do people not know this. Look into how much you actually pay on a 30 yr mortgage for that already overpriced wooden box you want.TKD
>>533711273She didn't pay it off, she saw "minimum payment is $X" on a piece of paper and only paid that, not knowing that minimum payment is something the government allows people to make as a way of easing the loan burden, rather than having it get paid offShe literally just doesn't know how these loans work
>>533710095>how fucked you will beWell, in her case the $200/month basically just punted the debt forward another month, and didn't really increase her debt. With all the inflation that's happened, her debt is worth about 30% less than it was a decade ago, so by making the minimum payment for 10 years she kinds decreased her debt by almost a third
>>533705953It's called interest. It's absolutely a scam, but you have to be retarded not to understand interest.
>>533709156Truly unforeseen market shifts probably aren't the responsibility of the college, but in that scenario, it shouldn't be the students either. At the very minimum, being able to bankrupt out of a suddenly worthless degree should be a reasonable option for a student who graduates into a market that no longer wants or needs something that was high demand 5 years before.I'm more referring to bullshit degrees like gender studies and other degrees that never had a market to begin with. At mine minimum, college loans shouldn't be applicable to that shit, and if the person giving the loan had any risk of non payment, they'd do that due diligence at time of giving the loan.
>>533708762Oh, hold on a minute there, chief. That's antisemitism.
>>533706598MY BOYS WICKED SMAHT
>Riba is an Arabic term meaning "increase" or "excess," commonly translated as usury or interest. It represents unjustly charged interest on loans or unequal exchanges of goods, which is strictly prohibited in Islam as unethical and exploitative. Riba is viewed as a major sin, with two main types: riba al-nasiya (interest on loans) and riba al-fadl (unequal exchange of commodities).
>>533705953Yeah it’s a huge scam. If you’re a White dude it’s a life ending scam. Don’t ever go into debt for any college as a White dude. I won’t necessarily shit on education, it has its place. But only do it if your parents have paid for it or something
>>533705953lol that's what the bitch gets for paying the absolute minimum. if you're too fucking stupid to understand amortization and present value you ABSOLUTELY deserve to be saddled with debt for the entirety of your life...lol, lmao even. sucks to have such shitty fathers that they didn't even teach present value @ the breakfast table before school, shits simple, i don't understand why so many refuse to learn it
>>533708632Using a Shadowstats inflation calculator, it's even less. $50,000 in 2022 currency is $18,900 in 2012 (2023- data wasn't available on this particular calc).
50k is like 6 month of salary for a job that require a degree, just live with your parents for a year and you dont have any debt.
>>533711513>yeah it's a huge scamfound another retard too stupid to understand that you do not pay minimum on any note ever. you motherfuckers are thick as weeds these days
>>533711513>don't go to college goy>now we can't find qualified candidates for our jobs>we need to quadruple the H1B visas per year>jeets and their fake credentials meet our needs!
>>533709426The biggest inflator of college tuition is admin and athletic bloat. Colleges used to have like 10 faculty for every admin and like one faculty for every 10 students. Now there’s as many or more administrators than faculty and 20-30 students per faculty.Athletics budgets have inflated by orders of magnitude over the same period. A program that spent thousands a year on athletics program fifty years ago spends millions on it today. Athletics has started actively siphoning money away from educational resources and facilities and research in a time when teachers are being told the school can’t afford to give them a cost of living adjustment or maintain their retirement or healthcare plans. There was a scandal at a university in Iowa just the other year where the football team just straight up stole a million dollars from the general education budget to cover its financial losses after a bad season.
>>533710742>accelerationists are retards Agreed. Everything has gotten *massively* worse since Trump was elected the first time, but we are nowhere near a resolution. 10 years of everything getting worse, and things keep getting worse, and everything sucks.There is no difference between a zionist kike and an accelerationist
>>533711829Iowa and Iowa State football make much more money than they cost to operateAll their other sports except for maybe basketball do lose a ton though
>>533706110>>533705953Friendly reminder jews can obtain interest free loans from several banks in most white nations.
>>533705953not my problemo
>Sign the usury contract>It has usury on it>You have to pay the usury>Cry about it online???
>>533705953Maybe she should have paid attention in middle school when they were explaining interest.
>>533711028Everyone’s already suffering anon.
>>533712012>hebrew interest free loansThis. Only some of the goyim know.
>>533711829Imagine blaming athletics like a loser tranny and not the throngs of worthless administrators and other trash in every department that aren’t teaching or doing research. Think of worthless roles like VP of BIPOC engagement
>>533711395>you have to be retardedwhat do you think is the purpose of public school and television, except to make people functionally retarded and zealously act against their own self-interests?
>>533712150I’ve known for quite some time, but it’s definitely good to always talk about it.
>>533712053Maybe you should've paid attention when the Bible said usury was sin
>>533707938Nothing to garnish if you dont work. Simple as
student debt shouldn't be guaranteed by the statestudent debt should be dischargeable in bankruptcy>won't that mean less people get loans and less people go to college?yes, and then prices go downit's a win-win-win
>>533706436>He thinks you go to college to become intelligentDo you have take practice IQ tests too?
>>533711112>The people with such balances, are counting on loan forgiveness.They aren't serious about paying their debt.Even forgiveness isn’t looking likely to stick around, especially with the Dept of Ed being dismantled. There’s something like 9-10 million people in the US who chose to go into lower paying public service jobs with the understanding that after ten years of being overworked for shit pay, their loans would be forgiven. If the government decides to scrap loan forgiveness what are those rollers supposed to do? Go back in time ten or twenty years and choose a different career path?
>>533712161it's not all athletics anon, just womens athletics. they are, and have been a money sink since inception. i think something like 45% of all revenue from Texas A&M's football team goes towards foid athletics and it still doesn't even cover 1/4th of the expenditures
>>533712219Again, Christians are to blame.
>>533712254Add to this that loans can't be taken out to learn an African rain dancing doctorate.
IMAGINE NOT LEARNING ABOUT INTERESTSAmericans are so fucking dumb, holy shit.I would kill for the same interest rates they have for those retards. Here in Brazil, you need to have a house, a car, and be willing to give your firstborn to get any loan with 160% per year.Those niggers have access to loans without having ABSOLUTELY NOTHING IN THEIR NAME with rates of 10% per year and still manage to fuck up because they don't know fuck all about interest rates.
>>533712012Wait, WHAT?!
>>533712066>Everyone’s already suffering anon.Not enough to hate the jews and expel them and their brown puppets.
>>533712161I literally mentioned admin bloat in the preceding paragraph, anon. But athletic bloat also shares some responsibility. The average football budget for a Division II school is just shy of $10M a year, and suffers and average annual loss of $2M. Funding college athletics on this scale has become an active loss of funds for most smaller and mid-sized colleges.
>>533705953I hope you retards understand all these videos are bullshit. Student loans have lower interest rates than normal loans. Usually a good rate would be 9% or less but student loans are 8% or less. Even if you always pay only the minimum the debt will eventually be paid.
>mfw i read about yet another retarded american who was paying the minimun of the loan (they are basically just paying the interest and not the actual loan) instead of paying just a little bit more for the amortization benefits.It also gets worse when I browse those comments and realise that most people don't actually know how interest and amortisation work and are fated to make THE SAME FUCKING MISTAKES.
>>533710019Pay your loan faggot.
>>533705953so give me a crash course on reality. i'm broke, i get paid to go to college. however, my parents are still providing for my living conditions, internet, food, electricity etc. i would be fucked in any other situation.so where do the people who end up borrowing money to study come from? can someone fresh out of high school claim themselves as an independent and use tuition assistance to get by? if not, then who is the category of people that end up having to borrow just to get an education?
It's not a 'scam' per se, it's just how the government stays solvent despite being trillions of dollars in debt.
>>533708725For added fun, that's only 5.2% APR on the loan which means she got a very forgiving interest rate.Amortized over the DECADE she's been "paying it off" that would have worked out to $530.40 monthly payment but hey gotta get those nails done!
>>533705953what kind of babylonian satan cock interest rates do they have in the US?
>>533713512Comically low interest rates (considering that those loans are for people without anything in their name). It's pretty much 3x the inflation in a bad year.But they are retarded, and they pay the **minimum**. So, they spend 10 years paying only the interests. without tapping the principal, making this debt eternal...
>>533713512>>533713808I am not joking; I would kill for similar interest rates.Here in Brazil, we pay 160% interest rates per year. Meanwhile Americans without FUCK ALL in their names get loans for less than 10% a year and call this a trap.
>>533708656>Minimum loan payments should cover interest and some percentage of the principle.Then she couldn't afford them, just like she can't afford the degree she got, which is how she got in this mess in the first place. I generally agree with you, but the answer isn't what you think it is. The answer is so many fewer people attending college that the price of doing so falls through the floor, and universities are forced to restrict degrees to those that will actually lead to gainful employment. This bitch thought she could "afford" college by taking out loans. She's now finding out she was wrong. Tough shit. She gambled, and lost. Should've gotten a fucking trade gig, and found a husband. Now she'll spend the next 35 years paying off her social studies degree.
>>533705953is she single?
If you have a loan of 50k wouldn't you usually have a job where you could pay this off easily in a couple of years?
>>533705953Usury should be punished via homicidal gassing.
>>533714329She probably could afford it but could not afford the uni life of her friends.Student debt is not only used for tuition; people get fucking cars, tattoos, lattes, and whatever they can come up with in their minds to pass the free time.Tuition costs in America average under 40k per year (just googled it). You technically could afford it with minimum wage living with your parents or relatives.
>>533714409>is she single?Yes until she hits 35 then you can have her.
"Fuck you i got mine" is truly the great filter. One of the biggest blackpills is realizing that people want to keep deliberate scams traps and pitfalls in their civilization if they personally manage to avoid them.
>>533705953holy shit post the link to the video for gods sake! >>533706119Because they were 17-18 years old at the time and didn't realize or know what the hell they were signing. Their parents basically just said "Oh yay your going to college! Ok here are some papers you need to sign." Like it should be considered fraud due to the fact they signed a loan agreement where they were lied to about what they were actually signing and agreeing to. Erase all that bullshit debt. Anyone who says "Oh you took out the loan you gotta pay it back." is just a shill or a boomer israel worshiping loser. These colleges are literally scamming all these kids. Oh and btw taking out a "loan" means you SHOULD be able to do whatever you want with that money but NOPE it just all automatically goes to the college and your on the hook for whatever said colleges decides you owe them at the end of your graduation.
>>533714044>160% yearlyFuckin bullshit, not even loan sharks have that high.
>>533714701it's not a scam or a pitfall, the bitch chose to pay minimum payments. we were all taught minimum payments don't even cover accrued interest during present value/amoritization lessons. she made her bed, now she can fucking lay in it.
>>533708400Actually the way it works is you pay taxes, the government uses those taxes to originate and underwrite loans (it’s your money, not theirs) then they let the bank send you a note that says “we’ll transfer you the money you sent to the government but you have to pay us interest” and then you do and if you don’t pay they take it out of your paycheck by force. You give $100k to pay a bank another $100k while they put up nothing and lose nothing. That’s not even a joke. That’s literally how the student loans work.
>>533713317hahaahahaha this guy gets it! i bet you have/had a good dad that taught you present value before any school did
>>533705953Kek.Wait til this retard tries to buy a house and reads the amortization schedule.
>>533714877164% now (they raise it).You can't calculate month * 12. You need to understand that interest is a snowball.
>>533705953>paying average $213/payment on $50,000 loan>also missing paymentsYeah, that'll happen
>>533705953>1pbtid twitter screenshotyou are a disgusting jew
>>533706309I have heard this: then why do some Jews not have to pay interest (aka usury)? They literally have theirr own bank where they get take a loan with zero interest supposedly. I heard it on some podcast and even looked it up and it was true. Now how many and which ones are able to use this bank/banks I am not sure. But if you do some digging you can find some stuff pointing to it being true.
>>533715104and i bet the whore was making @least $4,000-6,000 a month at the very least, more likely 8,000-10,000, and STILL chose to pay minimums. it's almost a guarantee she paid more for starbucks and sephora per month than note servicing
>>533706279the biggest grift is that tax brackets don’t scale with inflation, so you have people starting out with a decent gig paying a huge chunk of their money in taxes because 5 years ago that was rich
>>533715018Student debt in America has rates so low that sometimes it is not even amortising.I personally avoid any kind of debt due to my Lutheran upbringing that taught me about the vices of the Jews...
>>533705953Dude I should have just gotten into the student loan businessYou’re telling me I can literally make money by lending people money, and then they have to pay me back several times more? And if they fail to do that I can literally just take their stuff and garnish their wages? The fuck am I waging for? This shit is awesome! No wonder Jews love it
>>533715210You can get an Islamic bank account if you want to avoid usury. They even have some meme way of getting "mortgages".
just say max a professor can charge is $10/h:)fuck academicsend grantsend money for school and loans all levelseradicate that whole bunch of useless pricks
>>533712150>>533712012>>533712150>>533712665
>>533715518One thing I learned from /lit/ is that most people with superior degrees (masters, and PhDs) in America are doing it because they spiralled into student debt and keep studying for more debt because they could not get a real job.They are far away from doing well...
>>533705953um yeah, is she retarded?people need to understand how loans work so they don't fall into usury traps like that
>>533712665>>533712012You thought ZOG and Jewish supremacy was a meme?
>>533705953free college and healthcare in israel btw. let the goyim deal with debt.
>>533715681True
>>533705953stupid people should clearly not be eligible for loans
>>533707938>Working to support the system that is after you.Kek what a fucking retard.
>go to college for 4 years>dont learn how interest rates workYou get a 15 year loan You pay off the interest firstIts not Rocket sciencePay off the loan early if you want to save $
>>533706107When literally everyone tells you as a kid that college is the way forward into the American Dream, it's pretty easy to fall for it.
>>533715906I'm sure they penalize the shit out ff you even attempt to ask about paying it off.It's antisemitic to pay a loan off early.
>>533705953Interests are normal even in pisslam they have it but just name it differently, the third Reich did too.People don't work for nothing in return even the amerimutt christcuck who work for free do it only because they believe it brings the end times aka Jesus return
>>533705953I paid off mine, $50k, in 4 yearsit's called sacrifice I'd be willing to bet she, like so many others, made no payments while Biden had it suspendedbut the interest kept accruing in that time
>>533715906>pay off the loan early if you want to save $what??? then she couldn't afford door dash 3x a day, starbucks 5x a week, and $1,200 worth of bullshit from sephora a month.lol my ex wife is just like this, the whore had over $14,000 in unopened nail polish alone because she was a "collector".
>>533706557>I think ours is around 2% now and it used to be lower.I thought college was "free" over there in socialist land? At least that's the tale you've been telling us...
have a kingend banks n corpskill jewdeport orc inc mik wop feministend school university collegeflibe.comfree everything for white guyswomen slaves and force abortimport millions 14yo slave girlsburn hydrogen for machines
>>533712012theyre called heter iska loans and while on paper they appear interest free, the interest is just restructured into the total loan payment. they basically just remove the line item for interest and bake it into the total owed amount. they do it so they can feel they're getting around their religious laws about not charging other jews interest. a jew will always get their money one way or another, even from another jew
>>533706598I was, literally had an entire unit on interest and compounded interest equations in honors precalculus/trig class. I knew exactly what I was getting into and paid off 30k in loans in about a year and a half of working. Lived on rice, chicken,beans and multivitamin for a while, used to consider a bag of apples and some cheap tea once a week to be a luxury.
>>533715993not anymore, shit changed drastically after sub-prime fiasco>In the United States, the regulatory landscape for mortgage lending has shifted significantly since the 2008 financial crisis. The Dodd-Frank Wall Street Reform and Consumer Protection Act established strict guidelines regarding prepayment penalties for "qualified mortgages." Under these federal regulations, many conventional, FHA, VA, and USDA loans are prohibited from carrying prepayment penalties.
>>533705953She graduated from college and only now learned about interest? Dear god
>>533706408That would be antiseptic
>>533706557It looks bad
>>533715681>>533715756Paid for by your Slave Fee (Taxes)Hope your all paid up Goy.
>>533708172Would
>>533708400Would
>>533709426Would
>>533705953mutts are bred to be retardedthem falling for basic usury is part of their design
>>533705953Would
>>533705986KekFPBPYou'd think she'd have used her loan to pay for some college level math or economics classes...
>>533714933Yes, they are literally scams. And I would go so far to say fraud sense pretty much every kid who takes these loans are not told anything by the school (or their parents) about what they are "signing up for".. I hate this shit because then you get boomers and some gen Xers who got to go to college for literally a few thousand dollars saying stupid shit like "ahh well you took the loan, you need to pay it back! WITH (criminal) INDEFINITE COMPOUNDING INTEREST! dude its all so tiresome. And then you got millions of "minorities" that ALL get to basically go to college for free on affriminative action style scholarships. Literally just go to any mid level state college campus and its literally 80% black women and some men and the other 20% is all other "minorities" (aka non-whites) and upper class/wealthy Chinese students who are all CCP brainwashed retards that literally don't even barely speak English. I'm convinced they all just get passing grades and a degree because they are paying their tuition's in full with cash. Oh and btw they charge these Chinese students like 2 or more times as much money they charge Americans. Except not really sense the Americans they are charging are putting them into perpetual debt slavery which most will NEVER pay off until they die because of the compounding interest. Whether you pay more each month or the minimum you'll never break free from most student loan debts.
>>533705953>Doesn't understand interestIt's literally not my problem. Collegecucks will claim they are smarter than everyone else and insist they get paid more. If they are so smart, why did they take out loans and not understand interest is front loaded?
>>533715993this has not been the case for 20 years minimum
>>533716948Btw this is how your mortgage works too. This is how all loans work. The first 180 payments on my 30 year mortgage were interest only. The balance never went down at all the first 5 years
>>533714329Nice try shlomoYou're a fucking retard parasite
>>533708810I paid off my student loans years ago, but the word “amortization” was never uttered in my high school. In my math classes, we were using the quadratic formula, derivatives, and integrals, not identifying jewish tricks in contracts. No one is preparing today’s high school graduates for how much they are about to be screwed.
>>533712828And there it is from the jamboy's mouth. Credit scores are basically like the caste system in india. If you play the credit score game you are no better than a thirdie shit eating shitskin jamboy. Take every loan you can out, even with the most ridiculous terms. Immediately move that money to a different account and make sure to say the most racist hateful shit you can imagine when the shitskin jeets call you everyday to make a payment or send you empty threats. It ends up being the most enjoyable part of my day because it is completely legal to say literally anything to these shitskin phone scammers. They called you first and you have told them to stop calling you. Call them every racist name imaginable, threaten their lives and the lives of their families. Threaten their children, threaten to rape their wives(ew but we're emotionally hurting shitskins so just go with it). The can do nothing and they will call back the next day for another round of verbal abuse. Make sure by the time they discharge your debt that you never paid a penny back for that you drive at least 3 call center jamboys to suicide.
>>533705953The combination of retardation and usury has destroyed several civilization throughout the ages.
>>533706557They do. The highest I ever had was 6% for my MBA. These people go to private, higher interest loans after they reach the federal cap of amount they will loan you, which is north of 100k for reference.
>>533706557>JEWS: "we need high, compounding interest rates in order to cover Default scenarios!">The People: "your criminal compounding interest rates are CAUSING the defaults!"
>>533718098Bingo. Click click accept accept, poof money.
>>533712066>everyone's already sufferingNot the rich
>>533706110thanks for explaining usury, rabbi
>>533712833>Give a business loan to a barely legal 18 year old with no job>Business doesn't make any money!>Bankruptcy>Should've invested your money better!>Give a student loan to a barely legal 18 year old with no job>They can't find a job!>NO NO NO YOU CAN'T DECLARE BANKRUPTCY>I GET TO HAVE SUPER SPECIAL FOREVER AND EVER LOANSIt's just not responsible to let lenders do this.
>>533706512What a good goy. He loves to go into debt and pay interest
When this happens student should be allowed to get a refund and not have degree anymore since it was a rip off.
>>533707938They fucked up and didn't understand what they were getting and were geedy and got what they deserved.If it were me, I would use credit cards to pay it off and then default on those instead.Of course if it were me I wouldnt do school or student loans in this new world in the first place.Information is free now and you can network for contacts.
>>533711925Acceleration hasn't even begun.
I spent 20 years fighting this industry. We were making progress and ya'll reelected Trump and erased it.
>>533719218You're not allowed to pay them with credit cards, they're well aware of that method.
>>533719218Can’t pay them with a credit card, they already tho if they of this lol. You also can’t pay an auto loan with a credit card for the same reason.
>>533705953Until you blame your wonderful professors who sold you on a lie, you deserve to be screwed over.
that is what happens when christcucks hand jews (a people who are trying to conquer and enslave them) control of the money supplyeducate yourselveshttps://youtu.be/mII9NZ8MMVM
>>533719218>>533719264>>533719287daily reminder: all of your problems can be solved by killing a jew and living in his mansion off the infinite supply of gibs stipened onto the cards he had in his wallet(make sure you get the pin first dummy)
>>533705953She didn't learn basic math as part of her $50k education? The only scam is that colleges and grade schools are turning out people like this instead of failing them.
>>533705953This is true most likely but why the post was clearly AI generated? It has typical cadence of chatpajeet and obvious flag >it's not a EM DASH but it's bJust spend two weeks with your local llm and you'll see that these mongoloids are spamming ai generated text everywhere.
>>533705953Yes, it's a government sanctioned scam that bank and collages colluded together to trick young people. That is 100% the reality of it.
>>533705953The US is an evil country to impose this usury on the young and pressure them into it with endless propaganda. It’s sickening.
>>533719491idk why they even need loans, i went to college for like 12 years and never paid a dime. federal grants. free money. do they really not know theyre living under a jewish occupation?when they reported their income they actually told the truth instead of just lying like literally every mexican and pajeet knows instinctively how to do?>inb4 think of da taxpayersi bet they fell for the (((IRS)))/Al Capone tax evasion meme didnt they? i wonder what else they fell for.
>>533706309>tricking meAkshually, technically there was a contract involved so it's consensual, goy.
>>533705986>greek doesn’t want to pay back his loansShocking
>>533705953compound interest is a beast
>>533706362>Jews, meanwhile, get lots of free kickbacks from tax dollars and get free education and college tuition in many cases, just for being jews.blacks get free college, so do women and any minority, anyone with kids. Really its just single white men that don't have children that don't qualify for free stuff.
>thread full of kikes defending this
>>533706110Unpayable debts are a form of slavery
in a homogenous society based on merit there wouldn't be student loans at all. it is of course a veritably efficient method to keep the poor goyim out. after all they don't even have the IQ to understand interest on interest. pathetic.
>>533712012Daily reminder that these are only "interest free" in the sense that loans in the Islamic world are low interest. The bank tacks on a few so that the total amount repaid is equal to that as if there had been interest.
>>533720104It’s almost the exact opposite. They do not charge poor families, and parasitically rich families can afford millions for their children.It’s the families with talent and good faith middle incomes who pay full price via loans.
>>533706557Enjoy it while it lasts.
>>533712833You are the reason society is fucked
>>533705953Christianity banned usury for everyone but Jews, the modern world is the result of this.
>>533705953loan structures and timetables don't run on vibes, sweetie. >The first of the month is coming up, you either have the money or you're out on your ass.
>>533720508>jew flag trying to downplay itChecks out.
>>533721118This can’t be stated enough.
>>533720657right. we're not homogenous societies anyway. to rephrase, education should be a societal effort that supports merit. not charging the poorest is commendable, but in current society it results in daycare admin jobs for niggers with a degree, that they didn't really earn. charging the middle class in usurious ways destroys it, apparently one goal of tikkun olam. the (((rich))) are hugely overrepresented at ivy league and nepotism propels them to easy life mode at the top. which isn't based on merit, but on wealth. suboptimal to say the least, as it ensures the rule of the few chosen ones.
>>533706110the amerigolem speakslisten and learn
>>533710019And this whole time the money stayed in the banks the entire time. They only lent out money that wasn’t there to begin with as it was already lent out. Oh the horror letting people do things like go to school. Better try to make them miserable and their life hard for experiencing such a luxury.
>>533721118Accurate
>>533708656And then she wouldn't get the loan. Or are you saying people have a right to other people's money? If so, can I have all of yours? I'm not paying you back tho, just FYI. I'm entitled to it. You are scum for having that money when I don't. In fact, I think not only should I get all your money but I should be able to kill you for having it in the first place. I refuse to call this thievery and murder however. Instead I will just call it "socialism" and I will feel like I am virtuous instead of a murdering thief.
>>533705953So don't pay it.
>>533708308http://haritonov.kulichki.net/stories/llife.htm
>>533706014Sadly, goyim won't do SHIT. It was fucking easy to not take the bullshit common- flu vaccine. They still did, like good little cattle goy that they are. There's ZERO chance they would coordinate a 'no loan payback'.The reason a cow is a cow is because it keeps eating the grass without complaining, because it's better to eat grass than not eat grass.
>>533705953She could pay it off in a few years by whoring herself out to the pajeets and Africans she voted to bring in. .I dont see what the issue is here.
I'm normally against student loan forgiveness because fuck you pay denbts, HOWEVER....In the case of blatant usury like this the interest payments should be struck down.
>>533716309>yeah we don't get interest but we still havea to pay a little more it all evens out goy do you even know what interest is or is this just pilpul
>>533705986Lol
>>533705953I you was smat, you woudina gon to collige you wouda filmed rich dudes raping young dudes.
>>533705953>willingly apply and borrow money for bullshit degree at fully disclosed interest rates>you're somehow a victimlmao
>>533723485>fully disclosed interest ratesYa, see, that's where you are wrong. After you sign up for the loan, the blackmailed pedophiles are forced to sell your loan to payday lender scams. Gog Bless America. . .
>>533705953>take out a loan with 20% interest>don't pay ANY of the principle ever>loan doesn't go down>complain on the internetLoans are gay and jewish, fuck kikes and niggers too, but also fuck people that can't read. Maybe they should go to school and learn simple math? Oh wait, that happened, and they didn't pay attention. Not my fault
>>533723480I mean half of the real estate is 'church property' therefore tax-free and yet they still have a decent economy and living standard (comparatively speaking) They seem to make it work somehow
>>533706362Jews are very very good at convincing people in power that if their blatant usury is challenged that the whole system will collapse on itself.
>>533706122I've made zero. I got a letter mid 2024 during the one break in employment I've ever had asking me my employment status, and I did not lie. I'm 36 btw.
>>533705953I don't know, maybe like, actually read through the papers and contracts you're signing before signing them???
>>533723637None of this fucking matters. Shes a woman. She has no clue what she's doing. No civilized society would have let her handle money, let alone get a loan. But america believes in individual rights so now she has to sell her pussy to obungo and the Nigerian international students alliance in order to pay back mr shekelberg And she better write a good diversity statement while she's at it
>>533723673there's also gay masonic lodges/temples all over the world where the rent they pay is a peppercorn or some other valueless nothing. why can't I pay my rent in 1 bean.
>>533706751Predatory loans would absolutely still be a thing because predators would just find a new angle. In reality less people should be being pushed into higher education (see: it's all just brainwashing anyway).
>>533706436Since the late 90s everyone who gets a federal student loan has to complete a loan education training that includes the basics of how interest works, how loan payments work, and even insanely basic shit like "this is a loan, not a grant, it must be paid back" but even with that, people still pretend to not know any of it. In the 90s it was just a mandatory video but now it's an online class with a Q&A section where if you get an answer wrong, it explains why your answer was wrong and then you must answer again until you get it correct. Federal student loans are something like 95% of all student loans so they can't use the "well, the bank didn't tell me" excuse either. It's also worth noting that over 2/3rds of outstanding student loans are owed by women. Any kind of "forgiveness" would be yet another wealth transfer from men to women.
You can easily look up usury law. It will say something ridiculous like 35% interest. Thankfully every single kike loan charges more than this. They can pretend it is legal to compound interest as often as they want but law disagrees and you do not have to pay.
>>533723863No one needs to obey laws you retarded faggot. Pedophiles are rampaging through society unmolested by police. Any crime is fine in the USA and Europe as we can just answer, arrest the rich pedophiles 1st you stupid fucking useless piece of shit pig.
>>533705953>I borrowed money and had full knowledge of the interest rates>I paid the bare minimum>WHY IS MY LOAN SO BIGI don't think going to college helped these retards, should've just been a whore since she looks like she was in college anyway.
>>533705953lol
>>533705953Usury is a net benefit for America and its what their democracy is built on???
>>533723944these predatory loans are worse then normal ones because the government sanctions them and wont allow bankruptcy to throw them out. The also create the incentive to push people in higher education in the first place
>>533723967Be prepared to get called out as a jew or something. You are completely correct.
>>533705953>doesn’t know how compounding interest worksIsn’t basic math required in high school and college? Maybe she should’ve been paying more off principle
>>533723673Isn't the 'somehow' defaulting and begging the EU for a bailout?
>>533723967The wealth transfer should be from the Universities that took the money back to the tax payers for providing a useless service.
>>533724020What you wrote does not absolve the individual of personal responsiblity for their actions and choicesY the goyim no can read contracts and do quick maffs???
>>533705953yes its a scam called debt slaveryjews have been doing it for thousands of years at this point and there's countless historical legislations mentioning this factyou should be shooting jews in the head instead of paying it back> Louis IX stated that only skilled clerics could conduct a disputation with Jews, but that laymen should plunge a sword into those who speak ill of the Christ.[28][29]>Pope Boniface VIII proclaimed the canonization of Louis in 1297;[57] he is the only French king to be declared a saint.[58] Louis IX is often considered the model of the ideal Christian monarch.[57]
The US government and STATE governments pay enough aid to israel and other nigger countries that they could make university free in every state for every qualified student going to a public university (private niggers can get their parents to pay lol).There is quite literally no argument in favor of not using kike/nigger aids to pay off the student loan debt except from seething tradeniggers from ohio crying about how they "make 200k but but it's not fair fuck you I work with toilets for 120 hours a week aieeeeeeeeee that's why jews need to win".
>>533705953Funny... I barely passed Algebra 1 and could calculate the cost of a loan in high-school.It's almost like these people are retarded and I'm a fucking genius among chimpanzees.
>>533705953If your payment schedule doesn't pay off a loan in a couple years, up to 5-8 or so then you shouldn't take that lone, simple.With huge sums 15 years can be excused, but anything beyond this and you're a retarded nigger.The banks aren't even doing anything wrong. They know exactly that if a nigger "plans" to pay off a loan over 30 or 40 years then the chance of it ever being paid in full is maybe 1 in 3, or 33%.As such you have no other choice but ensure they effectively paid off the loan far earlier, say after 20 years, and then make them pay another 20 years to offset the risk (other niggers who defaulted).
>>533722957>It was fucking easy to not take the bullshit common- flu vaccine.You're talking about the COVID vaccine right
>>533705953Usury is a sin, now you see why. Tkd
>>533723658No, you see white people are retards in the face of the superior Jew and whites need special protection from their own retardation.
>>533724191Indeed it does, retard. There are not "personal responsiblity for their actions and choices (sic)." Contracts are only posible when there is a base "social contract." There are no laws but the law of nature when rich pedophiles can rape children with impunity, you stupid fucktard. Now go back to sucking your cult leader's dick and stop playing like you somehow have a corner on morality, dipshit.
>>533711829>The biggest inflator of college tuition is admin and athletic bloat.They wouldn't be able to pay for all the worthless admin positions if it weren't for the loans. You have it backwards.
>>533722545Yes, gorillion dollar loans should not be offered at terms illegal for all other loans to young people with no collateral and no job, then insulated by force of government against the consequences of poor lending.
>>533724428All interest is usury and should be punished by death.
>>533724314To be fair, not paying your debts also is a sin, and sin begets sin.If everybody repaid their loans or debts within reasonable timeframes then there would be little need for interest, up to 3-4% (partly because jewflation).Only a retard would give you $1000 and ask for $1000 back in 10 years, commercially speaking, because in reality you'd only repay $800 or so, if that. That's not a viable business model.
>>533724210I agree. We should make it illegal to loan money and lock in an uber rich class and completely delete the ability of the poor and middle class to change class while at the same time removing the ability for the vast majority to obtain capital to start services for people who need it. All should be lain at the feet of the rich and the government. We should all be forced to be wage slaves. What a wonderful idea.
>>533724533I like to think of myself as somewhat of a humanitarian. I believe that usury should be punished by forced labor under the same interest, living costs, late fees and prison income until their debt is paid. Sharecropping, very much not identical to slavery.
>>533723967>>533724060I have absolutely no idea what you're talking about. I didn't even sign anything. My parents just informed me one day that payments were due on something called "student loans" I was never consulted on, but have fun proving it's not my signature lmao.
>>533724635Is not arresting pedophiles a sin?
>>533724733I could be convinced.
>>533724714we used to have laws against usury for a reason you dumb fuckat this point not only loaners pay for the debt economy but everyone who uses the currency because of fractional reserve bankingand who's guilty of it all?jews and their usuryas they say themselves poverty is their weaponpic relso all they deserve in the end is bullet in the headbut its not the only reason why they deserve bullet in the head
>>533723863So, what, you're suggesting there should be NO illegal forms of contract?If I loan a hundred thousand dollars to someone with no job or collateral the government doesn't make me whole when they can't pay.Why do student loans get a special exception that other loans don't?
>>533724714>loans help poors get richPeak pilpul
>>533724714Do you believe that Student Loan loaners should receive special treatment and special protections under the law not allowed to any other form of Loaner?
>>533724635if we exterminated jews there would be no need for interestno jewflationthey know what they deserve pic rel
>>533724877It was made that way by a far right politician named Joe Biden. It was his life's work to make student debt a payday lending scheme.
>>533705953It's not a scam though. Her problem is that she chose an income-based repayment plan. What those do is use your current income to determine your monthly payments instead of using the normal amortization schedule for the loan. So while income-based repayment plans can result in lower monthly payments, they can also result in what is called negative amortization, where your balance grows despite making payments.In other words, if she accepted the normal amortization schedule for her loan instead of crying poor and making it income-based, she'd be making pretty good progress on paying back her loan.
>>533705953Everyone hates the kikes until it comes times to rag against the kikes favorite tool of market manipulation, usury. I don't give a fuck if this brain dead cunt wast 45k on some worthless degree, usury is evil and talmudic.
>>533705953The Jews trying to defraud people, they don't pay anything.
>>533724191Your statement is built on the assumption that women are capable of handling personal responsibility or that they even understand what it is. History and the wisdom of the ages shows us otherwise. The only people who keep insisting on this are anglos and other northern Europeans, starting from the 20th century
>>533724245>You have no choiceYou could not give people the loans.
>>533725023>It's not a scam though. Her problem is that she chose an income-based repayment plan.Fuck off.Next you're going to say that a HELOC is a way to "get your own money".Any loan that can possibly have the principal grow is by definition usurious and evil.
>>533705953compound interest is proof of the existence of jews
>>533725023Try not giving loans to out of work mentally ill women if you want to make your money back.
>>533725023how many 1PBTID bots are going to recycle this same message through grok? seriously>if you would have just given all of your discretionary income to the loan it would be lower heheI can hear your claws crinkling with glee
>>533724533Then execute anyone missing a payment as well, on first instance, then confiscate their property and if that still doesn't cover the balance hand the loan to the guarantor or heirs to pay off. If they also fail to repay it: execution.>eye for an eyeMaybe execute fiscally illiterate people as a matter of course because their existence inevitably causes trouble and them to be executed anyway.What you bibleniggers don't comprehend is that the book assumes precious metal backed currency, which does not inflate as such, but is more likely to deflate, meaning your dumb ass may already be repaying more than was borrowed without any formal interest.
>>533725066pic relfeminism was also a jewish thingsame as prostituting shiksas was always their thingwhen interest is bigger than you can earn with your ass you can always sell your children too jews also prostitute children which everyone knows by nowbut then you cant expect jew to loan you money with no interest or find honest jobthat would be unfair
>>533725100The mere fact that long-term (5+ year) loans exist is a primary force driving the prices of cars, homes, and education to the moon.The option shouldn't ever be there.
>>533725023>she choseDid she? Or did she just do what everyone else was doing because that's what she's been told by her Jewish masters from the day her retarded mother spat her out into the world?
>>533705953Welcome to Jew usury Understand contracts before you sign them.No one will ever give you any thing of value , maybe your parents if youre lucky.
>>533725193Student loans should have very low interest because the lender does not need to pay a college educated math genius to do risk assessments.
>>533725241>Just peacefully let me annihilate everything >"No">OKAY WELL YOU WANNA FIGHT FINE ILL KILL ONE BRILLION INNOCENT PEOPLE Ok we'll see who's left at the end people who talk like you or people who talk like me.
>>533725241Mental gymnastics: the post.Oh how cucked your krauts have been since 1945.
>>533725242Yeah I agree Protestantism is just allowing Jewish usury in your society. You combine that with 'individual rights" and you've just created a nation of whoresWhich is what America is today
>>533724479These awful loan sharks that force their way into people's home, break their legs and force them to sign the loan form. We should most definitely catch everyone doing that and put them to death. It's just plain wrong!
>>533725254yes women cant make concious decisions but its jews who were fighting for them to make independent decisions and its jews who borrow them money so now those jews should take the loss or bullet to the head if we have to be fairthey destroyed our civilization in the process only to quitely legalize slavery once againand now who's going to pay debts jews took in your name for war for israel?it would be unfair to cheat jews out of their eserved money now wouldnt it?
>>533725329Every college currently standing "should" be bulldozed.
>>533705953>our fight is with the races that represent mineysad thing is she will never connect the dotswomen just aren't built for politicking
>>533725441>I didn't force you to be trickedAh, a jew.
>>533725156You completely missed the point of what I said because you're a financially illiterate retard. She chose this. She could have stuck to the normal amortization schedule for her loan and she'd be fine. But then her payments would be higher and she wouldn't get to pay for her Netflix subscription or go out to the club every weekend. So she didn't get scammed, she made a bad financial decision. Well, two bad financial decisions really. The first was taking out loans in the first place, the second being putting herself on a repayment plan that resulted in negative amortization.Also, calling it a "scam" would imply they concealed the facts from her. They didn't. I guarantee when she switched to an income-based repayment plan, the paperwork said there was the risk of negative amortization. But she likely didn't read the paperwork. She just saw the lower monthly payment and immediately signed on the dotted line like a retard.
>>533724822Probably not, but it depends on customs, age, parental consent and what actions were actually taken. Lust is a sin however. As is most forms of assault and sex outside marriage.Hebephilia and marrying teenagers isn't a sin in any religion, and most don't really recognise pedophilia either. Judaism and Islam sure don't, and Christianity seems to have no formal rule on it.
>>533705953Slavery never went away. It's still the top 1% ruling over the 99%, making the rules, giving the bare minimum for you to live while you make them rich. AKA "capitalism"
>>533724866>we used to have laws against usuryAnd life was split into the ultra wealthy and incredible poverty, with zero technology and terrible life expectancy and if your argument is " let's live like desert peasants" then you're too retarded or anti-human to take seriously.>>533724923Look at any study of class and wealth mobility, it does.>>533724966They get some protections since they get literally zero collateral. The person who gets the loan does as well, it's called the income driven repayment plan, they also get deferments, extensions, monthly caps, if they choose. Ultimately though I don't think anyone should be guaranteed loans for college, only promising people with productive goals/majors should.
>>533725254I don't accept this argument at all. For anything. It implies that each individual has no agency in their own lives and provides a convenient excuse for not accepting responsibility for your own bad decisions.
>>533709613People mistakenly think that inflation is good because it dilutes loansThey deadass think they are outsmarting banks on this one (lol) ... banks literally account for inflation. People are paying a home in 2026 at 2056's cost... that's a big reason people can't afford it. They're throwing in the inflation into the loan.
>>533705953usury is a jewish debt slavery scheme
>>533725364There's precious few non-illiterate bibleniggers and clearly you aren't one of them. Maybe ask ChatGPT to translate it into Simple English.
>>533705953paying min doesn't mean you're covering entire interest plus principal
>>533725524>She chose this.It shouldn't be an option on the table.You haven't made any attempt to defend why offering an usurious loan is in any way moral.
>>533705953I'm starting to think the only reason mutt teachers don't give a fuck about kids in primary and second school so they get scammed by college loans with absurd interest just because teachers themselves want to share their suffering while making the fucking education into a paid one like die hard real leftist they are.
>>533725617>Look at any study of class and wealth mobility, it does.It enables a Pareto distribution where the vast majority of the recipients end up even worse off.
>>533716543>having sex with a ladygayyyyyyy
>>533725681Copium is addictive, I suggest you quit.
>>533725658Where did I say "each individual"? I clearly specified women. They should not be allowed to enter into ANY agreements without a male, preferably an elder, acting as her guardian/representative. She doesn't understand what she's doing. I don't know how I can make it any simpler, John locke.
>>533705953Why do amerigoyim have to get loans for university? Why don't your parents save up for your university?
>>533725502Those who cannot survive the lethal tricks of roving packs of perfidious jews do not deserve to live. Jews have a important ecological niche.
>>533705953She knew the interest rate, and she still took the loan. That's her problem. Maybe if you stopped borrowing money then the jews would lose power.
>>533705953Wtf ?
>>533725617>there was no technology in the past go be desert person somewhere else
>>533725990Then you should be 100% happy with america as it currently exists. Which, as a filthy jew, im sure you are
And these same fools welcome immigrants that will replace them in the workforce. Silly people.
>>533725844That is a stupid statement as it is a descriptive of phenomena, it's applicable to all societies of all economic and social structures, as well as natural phenomena. It's not "enabled" by charging interest. Illiterate.
>>533725998Should this apply to a 6 year old child too? Because its the same thing in practice. Contract law and autistic anglo ideals of "individuals acting in there own self interest" are simply not true in material reality
>>533726065
>>533726131With usury>Pareto distribution of a few making it big and the rest losing even the little they hadWithout usury>Pareto distribution of a few making it big but the rest still living comfortably and modestly
>>533725617>They get some protections since they get literally zero collateralExcept those protections don't exist in any other field where the lendee has no collateral.
>>533725617>And life was split into the ultra wealthy and incredible poverty, with zero technology and terrible life expectancy and if your argument is " let's live like desert peasants" then you're too retarded or anti-human to take seriously.Ah I too get my image of how my ancestors lived from the Hollywood jews who hate them and George RR martin.
>>533726311It's pretty basic stuff. Someone who is aspiring to go to college should know better. Or at least understand what they are getting into.>But dey told me i can be an astronautYou are a fucking astronaut.
>>533725917And I rejected your specification. Each individual, man or woman, is responsible for their own life and their own decisions.
>>533726335problem is you are the one being retarded here and everyone will tell you thatwhen i list all your logical errors you'll just say tl;drfirst of all there wasnt a point in history when usury was banned when there was only super wealthy and super poor loans(especially loan with riddiculous uncontained usury like today) usually make rich and smart become even richer and dumb and therefore poor become even pooreryou dont need usury to gain financing for your enterpraise or whatever you can have an idea and do co-ownership with someone who has financecurrently money as debt destroys whole economy and makes even people who never take any loans pay for it the list goes onso yea you are retarded as fuck
>>533725794>It shouldn't be an optionPerhaps. But that's something you need to change through legislation. As of right now though, it is an option. A poor option, sure, but an option nonetheless. And and long as it remains one, the responsibility falls upon the individual to choose that poor option.
>>533726445>>533726469>>533726514I too wish to die of an infection working as a serf on my local Lord's farm for the 5th generation. It's based don't u know?kys you total retards
>>533726759>You need usury to have penicillinStop, you're embarrassing yourself.
>>533726706>But that's something you need to change through legislation.not really you have constitutional rights to shoot jews in the head for what they did to your countryit doesnt matter how much they corrupted the law to protect their own criminal group you still have all moral and legal rights to shoot them in the head> Louis IX stated that only skilled clerics could conduct a disputation with Jews, but that laymen should plunge a sword into those who speak ill of the Christ.[28][29]>Pope Boniface VIII proclaimed the canonization of Louis in 1297;[57] he is the only French king to be declared a saint.[58] Louis IX is often considered the model of the ideal Christian monarch.[57]
>>533726759>I too wish to die of an infection working as a serf on my local Lord's farm for the 5th generation. It's based don't u know?>kys you total retards
>>533726671Our poor now are definitely poorer now than 100 or 2000 years ago when we have better amenities and houses and entertainment and food and medicine and climate control and opportunity and education and literally everything is better. Except something something billionaires exist and something something jews stole my foreskin and control the world and that means it's worse now, no it's not because I'm a useless piece of shit who spends their time shit posting on a Mongolian basket weaving forum, it's the existence of people doing better than me that somehow makes everything worse than it was in the past.
>>533727055yes so once again your only argument is that technology was less advanced in the past which has nothing to do with usury you clinical retardyou dont even try to refute what i said you retarded jew so this post >>533726065was actually end of discussion
>>533727055>Our poor now are definitely poorer now than 100 or 2000 years ago when we have better amenities and houses and entertainment and food and medicine and climate control and opportunity and education and literally everything is better.The most important things are family and friends. Are those better?>Except something something billionaires existStrawman, I don't care what Bezos or Musk has>and something something jews stole my foreskin and control the world and that means it's worse now, no it's not because I'm a useless piece of shit who spends their time shit posting on a Mongolian basket weaving forum, it's the existence of people doing better than me that somehow makes everything worse than it was in the past.You're describing you while simultaneously being mad at random anons for spreading truth.
>>533727055They can't afford houses, you jew. You do have them trapped.
>>533726894You need industrialization. Which means you need many people deploying capital which means you need loans which means you need uSuRY because unleashing more humans potential is in fact, good for everyone, the modern economy is good for everyone.So yes, you do.
>>533727308>You need industrialization. Which means you need many people deploying capital which means you need loans which means you need uSuRY because unleashing more humans potential is in fact, good for everyone, the modern economy is good for everyone.>So yes, you do.
>>533727254>most important things are family and friends. Are those better?Mine is, but it's entirely under your control.>>533727263No one is perma-homeless in the west unless they're mentally ill. If you can't afford rent in some metropolis go live in the fucking country and be a worker on a farm in exchange for rooma and board like so many here are romanticizing, that's still an option right now. You just don't because it's objectively worse which proves that everyone here are bitter morons complaining online.
>>533727308>deploying capital which means you need loansLol no.Joint ventures can exist without loans, kike.
>>533705953The jews getting sportythey scam the most intelligent ones your future and they pay for being brainwashed krch
