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Nothing will be repoed. They may garnish your wages but at the end of the day, there is no collateral.
Garnished wages is still a huge problem.
Student loans are not forgiven in bankruptcy.
The federal government will garnish borrowers wages until they are paid, even if the borrower is bankrupt.
They look at your wages and expenses. I knew a dentist who got garnished 10 dollars a month. That’s all he could afford.
You can’t take blood from a turnip
i applied for income based repayment program 3-4 different times, always denied. I was making around 2k/month, and they wanted me to pay $1000/month. after getting rejected the third or fourth time, I just stopped even attempting to handle the debt in good faith.
That is insane. I don't think college should be free but it needs to be less expensive. It shouldn't cost an arm and leg to go to college and cost more than a car. I strongly support a subsidized school system that is reasonably priced. Free just means fewer people would be able to go. That is how most other countries handle the situation. I want everyone to have access to a low cost education to better themselves either for a job or just for personal enjoyment. I am always taking college classes but it has become a strain on my budget.
@wintermute_oregon @jpreston2005
Why shouldn't it be free? I mean if businesses are making A LOT of money from the labour of those who've paid extraordinary amounts for their education - and are no where near providing equal compensation for that labour - then businesses should be paying for ALL education.
I explained why it shouldn't be free. We would have to limit the number of students like the rest of the world does to control the cost. We would close it off to only the brightest and most people would be excluded from a college education. That is how most countries handle college. Only the best get to go and the rest go to trade school or just work other jobs. I want people here to have the chance to better themselves. That is the American dream.
@wintermute_oregon
Why would we have to limit the number of students?
edit to add -- If businesses are paying ALL education costs there's no reasons whatsoever to limit education.
Then why isn’t anyone else in the world doing it ? Because unit isn’t cost effective.
Also it isn’t the role of a business to pay for everything you want. That would bankrupt most companies overnight.
@wintermute_oregon
There are actually 24 countries that have free college education.
https://financesonline.com/free-college-education-statistics/
They don’t offer it to everyone. I’ve already addressed that. They control the numbers by standards. Something we don’t do in America.
A good example is Sweden. Their students come out owing almost as much as the average American.
https://www.bustedcubicle.com/advocacy/student-debt#:~:text=While%20Swedish%20universities%20don't,the%20American%20figure%20of%20%2437%2C400.
@wintermute_oregon
Then do what Canada does.
It's not that hard to find a better way than what America does now.
Canada is similar to us.
https://blog.gitnux.com/student-debt-in-canada-statistics/#:~:text=As%20of%202021%2C%20the%20average,Canadian%20students%20face%20upon%20graduation.
28k vs 37k with a us worker may more than the Canadian and paying less in taxes. So it’s a wash
@wintermute_oregon
The first link you posted says
"Canada’s policies regarding student loans are similar to those in the US but injected with a small dose of compassion and critical thinking. The federal government provides up to 60 percent of a student’s tuition through the Canadian Student Loan Program (CSLP), while private lenders pick up the rest of the bill. All student loan payments are suspended until a student graduates and earns at least 25,000 CAD annually."
https://www.bustedcubicle.com/advocacy/student-debt
That’s similar to ours. You don’t pay until you’re done. We don’t have a lower income range but 25k isn’t very much money. That’s below minimum wage in Canada.
@wintermute_oregon
Canada does not have a national minimum wage.
I know that because I live here.
edit to add -- ... and my income last year was less than $15k.
You have a minimum wage per province, correct?
https://www.nerdwallet.com/ca/personal-finance/canada-minmimum-wage-explained#:~:text=Here%E2%80%99s%20a%20look%20at%20current%20provincial%20and%20territorial,by%20April%202024%29.%208%20Nunavut%3A%20%2416.00.%20More%20items
College should be affordable and available. It used to be college kids word during the summer to pay their expenses during the college year. I don't think that is feasible nowadays.
I also think we need more trade schools. Not everyone needs a degree. We need plumbers, electricians, etc as well.
b
If enough people refuse to pay, the courts can't keep up.
We shall see. The court battles could rage for decades.
yes, I will use the money I don't have to leave the country. 🧠