People With Student Loans In America Show How Impossible It Is To Pay Them Off
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Ilona Baliūnaitė
Publish Not your original work? Add source As of 2021, approximately 43 million Americans held student debt, with an average student loan balance of $37,105. In fact, Americans owe $1.71 trillion in total of student loan debt. The numbers are pretty shocking, to say the least. Now, the sad part of owing federal student debt is the fact that a third of borrowers can't keep up with it after just six years. With so much pressure building up, all this economic uncertainty, insane housing boom prices, it seems like many millennials and younger generations are stuck in a giant hamster wheel of hell. How did we end up here? The screenshots below will shed light on the scope of the problem and how it's basically impossible to pay off a student loan in the US. It may make your body temp soar, so if you're already feeling on edge today, you may as well skip to the next article. And the brave ones, as well as the student debt survivors themselves, please scroll down below. This post may include affiliate links. #1
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Title Update Liucija Adomaite Liucija Adomaite Writer, BoredPanda staff Liucija Adomaite is a creative mind with years of experience in copywriting. She has a dynamic set of experiences from advertising, academia, and journalism. This time, she has set out on a journey to investigate the ways in which we communicate ideas on a large scale. Her current mission is to find a magic formula for how to make ideas, news, and other such things spread like a virus. Read more » Ilona Baliūnaitė Ilona Baliūnaitė Author, BoredPanda staff Ilona is a photo editor at Bored Panda with an MA in Communication Of Creative Society. Before Bored Panda, she worked as a social media manager and freelance graphic designer. When she is not photoshopping or searching for the most interesting photos for stories, she is usually watching good movies and says that The Godfather is the best. Read more » Show All Contributors Get the latest inspiring stories via our awesome iOS app! Download Bored Panda app! 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POST Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago My wife, an American, and I lived near Atlanta for several years. We enjoyed living there very much. But when our children grew up, we thought a lot about what would happen when those same children wanted to go to university. We decided at some point that we didn't want to ruin our children at a young age and have them start life with debt. This was ultimately the main reason why we moved back to Germany (my home country) a few years ago. Two of our daughters are now finished with their studies, one is a veterinarian, the other is an urban and development planner. Both can now start their professional lives without any debts and build their own lives. We probably would never have forgiven ourselves as parents if we had not taken the chance and our children started life with massive debt. 27 27points reply Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 10 months ago I hope your children know how lucky they are. 11 11points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Good plan. 0 0points reply Harry Lui Harry Lui Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) This comment is hidden. Click here to view. Or you could have started a 529s plan for your children. -4 -4points reply ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago Tragic but it shows a number of things. 1. The cost of college courses in usa is excessive. Here you're looking at about half that cost. 2. Most people on the list seem to not understand that if you pay the minimum repayment rate you won't get out of debt. The banksters do this to keep you trapped. Try pay slightly more than required. If you just pay the interest off, the debt NEVER goes down. 3. You can sign up for degrees in other countries which are cheaper, e.g. EU, Africa, etc. A few of our universities here often come up in the top 100. 4. By all means, keep voting for capitalists. ORRRRR maybe make a socialist party and vote for them? 9 9points reply Potato Potato Community Member • points posts comments upvotes FollowUnfollow 10 months ago Unfortunately, they require you to tell them your salary when you get the loan or attempt to refinance, so they can fix the monthly payments in such a way that it is difficult to pay more than the minimum and still pay all your other bills. Not sure how I would have been able to get a degree from a different country without moving there, but I suppose it's easier now that there are more online options. 6 6points reply Load More Replies... Leo Domitrix Leo Domitrix Community Member • points posts comments upvotes FollowUnfollow 10 months ago It also shows that lending institutions should be held to the same interest on student loans as on mortgages, and we need free education and nationalized free healthcare, as well. 4 4points reply Kanuli Kanuli Community Member • points posts comments upvotes FollowUnfollow 10 months ago Also getting a higher loan with a little less interest can still result in you paying much more. Do the math, or ask a friend for you. My brother fell for that, though he never reached out to me. 3 3points reply Rez Fidel Rez Fidel Community Member • points posts comments upvotes FollowUnfollow 10 months ago My aunt emigrated to the U.S. 40 years ago and worked there as a secretary for a CEO. She told me how her american friends used to make fun of her because she only had one credit card... but in my family we were taught never to spend money you dont own. So no credits on nothing.. never. You work for it..you save it.. THEN you spend it. I know..easy to do.. when education and other things are free... 8 8points reply Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago I was raised the same way and seeing so many Americans in debt made me wonder at first. The thing is, if you don't have a credit card or multiple and you don't spend money, you might get into trouble with your so called credit score. If you ever need money from a bank and you never paid much with a credit card or anything, they might not give you anything, because in the US you wouldn't be visible to a bank if you don't spend money in a certain way. I am not an expert here, but the whole system seems to be build on spending money, even if you don't have any. Some might call that turbocapitalism. 9 9points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Just like drug dealers: the first transaction is forced and/or free. 1 1point reply Alex the Country Dog Alex the Country Dog Community Member • points posts comments upvotes FollowUnfollow 10 months ago That is how to have terrible credit in the U.S. The “debt-free/spend only when you have it” approach is no longer as feasible as it was in previous generations, because the entire U.S. system is based on debt RATIO—meaning you need a fair amount of debt to salary to savings to prove you are able to hold and continue paying off debt in order to obtain loans for housing, vehicles, etc. The system is terrible, but without multiple (healthy) lines of credit, your credit score is actually worse than someone with a lot of debt. This means under this system if you are debt free, and have one or no credit cards, you will struggle to get a loan for a house, or car, or any legitimate life loan with reasonable interest. Having the correct debt ratio, as it works within the U.S. lending system, is the best way forward. (Sadly.) 2 2points reply Marlowe Fitzpatrik Marlowe Fitzpatrik Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) That's just so stupid! It's insane that nothing worse happened than the Leman-Brother's crash, because with that bullshit-idea of living, everything in the US is built on debt. Can nobody see how insane that is? If you don't have something, you cannot spend it! I'm appalled whenever I read about this... Just appalled. I don't care about loans - I'll never spend more money than I have. Edit: I know it's not your fault, of course. I'm just so outraged about this system - sorry for the rant. 2 2points reply Load More Comments POST Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago My wife, an American, and I lived near Atlanta for several years. We enjoyed living there very much. But when our children grew up, we thought a lot about what would happen when those same children wanted to go to university. We decided at some point that we didn't want to ruin our children at a young age and have them start life with debt. This was ultimately the main reason why we moved back to Germany (my home country) a few years ago. Two of our daughters are now finished with their studies, one is a veterinarian, the other is an urban and development planner. Both can now start their professional lives without any debts and build their own lives. We probably would never have forgiven ourselves as parents if we had not taken the chance and our children started life with massive debt. 27 27points reply Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 10 months ago I hope your children know how lucky they are. 11 11points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Good plan. 0 0points reply Harry Lui Harry Lui Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) This comment is hidden. Click here to view. Or you could have started a 529s plan for your children. -4 -4points reply ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago Tragic but it shows a number of things. 1. The cost of college courses in usa is excessive. Here you're looking at about half that cost. 2. Most people on the list seem to not understand that if you pay the minimum repayment rate you won't get out of debt. The banksters do this to keep you trapped. Try pay slightly more than required. If you just pay the interest off, the debt NEVER goes down. 3. You can sign up for degrees in other countries which are cheaper, e.g. EU, Africa, etc. A few of our universities here often come up in the top 100. 4. By all means, keep voting for capitalists. ORRRRR maybe make a socialist party and vote for them? 9 9points reply Potato Potato Community Member • points posts comments upvotes FollowUnfollow 10 months ago Unfortunately, they require you to tell them your salary when you get the loan or attempt to refinance, so they can fix the monthly payments in such a way that it is difficult to pay more than the minimum and still pay all your other bills. Not sure how I would have been able to get a degree from a different country without moving there, but I suppose it's easier now that there are more online options. 6 6points reply Load More Replies... Leo Domitrix Leo Domitrix Community Member • points posts comments upvotes FollowUnfollow 10 months ago It also shows that lending institutions should be held to the same interest on student loans as on mortgages, and we need free education and nationalized free healthcare, as well. 4 4points reply Kanuli Kanuli Community Member • points posts comments upvotes FollowUnfollow 10 months ago Also getting a higher loan with a little less interest can still result in you paying much more. Do the math, or ask a friend for you. My brother fell for that, though he never reached out to me. 3 3points reply Rez Fidel Rez Fidel Community Member • points posts comments upvotes FollowUnfollow 10 months ago My aunt emigrated to the U.S. 40 years ago and worked there as a secretary for a CEO. She told me how her american friends used to make fun of her because she only had one credit card... but in my family we were taught never to spend money you dont own. So no credits on nothing.. never. You work for it..you save it.. THEN you spend it. I know..easy to do.. when education and other things are free... 8 8points reply Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago I was raised the same way and seeing so many Americans in debt made me wonder at first. The thing is, if you don't have a credit card or multiple and you don't spend money, you might get into trouble with your so called credit score. If you ever need money from a bank and you never paid much with a credit card or anything, they might not give you anything, because in the US you wouldn't be visible to a bank if you don't spend money in a certain way. I am not an expert here, but the whole system seems to be build on spending money, even if you don't have any. Some might call that turbocapitalism. 9 9points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Just like drug dealers: the first transaction is forced and/or free. 1 1point reply Alex the Country Dog Alex the Country Dog Community Member • points posts comments upvotes FollowUnfollow 10 months ago That is how to have terrible credit in the U.S. The “debt-free/spend only when you have it” approach is no longer as feasible as it was in previous generations, because the entire U.S. system is based on debt RATIO—meaning you need a fair amount of debt to salary to savings to prove you are able to hold and continue paying off debt in order to obtain loans for housing, vehicles, etc. The system is terrible, but without multiple (healthy) lines of credit, your credit score is actually worse than someone with a lot of debt. This means under this system if you are debt free, and have one or no credit cards, you will struggle to get a loan for a house, or car, or any legitimate life loan with reasonable interest. Having the correct debt ratio, as it works within the U.S. lending system, is the best way forward. (Sadly.) 2 2points reply Marlowe Fitzpatrik Marlowe Fitzpatrik Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) That's just so stupid! It's insane that nothing worse happened than the Leman-Brother's crash, because with that bullshit-idea of living, everything in the US is built on debt. Can nobody see how insane that is? If you don't have something, you cannot spend it! I'm appalled whenever I read about this... Just appalled. I don't care about loans - I'll never spend more money than I have. Edit: I know it's not your fault, of course. I'm just so outraged about this system - sorry for the rant. 2 2points reply Load More Comments Popular on Bored Panda I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life 30 Y.O. Woman Takes DNA Test For Fun Only To Discover Her Long-Term Boyfriend Is Her Full Sibling "I Just Said Thank You And Left": Man’s Nice Gesture Is Praised After Pizza Hut Driver Got A $20 Tip On A $938 Order Woman Flabbergasted At Thrift Store's Prices, Calls Them Out By Sharing 14 Examples 50 Parents Having A Pretty Miserable Day Photoshop Troll Who Takes Photo Requests Too Literally Strikes Again, And The Result Is Hilarious (17 Pics) Popular on Bored Panda 30 Y.O. 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People With Student Loans In America Show How Impossible It Is To Pay Them Off
Liucija Adomaite andIlona Baliūnaitė
Publish Not your original work? Add source As of 2021, approximately 43 million Americans held student debt, with an average student loan balance of $37,105. In fact, Americans owe $1.71 trillion in total of student loan debt. The numbers are pretty shocking, to say the least. Now, the sad part of owing federal student debt is the fact that a third of borrowers can't keep up with it after just six years. With so much pressure building up, all this economic uncertainty, insane housing boom prices, it seems like many millennials and younger generations are stuck in a giant hamster wheel of hell. How did we end up here? The screenshots below will shed light on the scope of the problem and how it's basically impossible to pay off a student loan in the US. It may make your body temp soar, so if you're already feeling on edge today, you may as well skip to the next article. And the brave ones, as well as the student debt survivors themselves, please scroll down below. This post may include affiliate links. #1
Student Loans Put You Through College But Put You Through Debt For Much Longer
MattLaneWrites Report Final score: 79points POST Luther von Wolfen Luther von Wolfen Community Member • points posts comments upvotes FollowUnfollow 10 months ago I'm in seminary right now, at age 52. I'll die in debt, but then I'll go to Heaven. Come get the money, jerks. 23 23points reply View More Replies... View more comments #2America Is A Scam
karmagheden Report Final score: 65points POST ƒιѕн ƒιѕн Community Member • points posts comments upvotes FollowUnfollow 10 months ago Navient sucks. 26 26points reply View More Replies... View more comments #3Brother-In-Laws Student Loan Statement He s Been Out Of College For 8 Years How Do You Ever Get Out Of This
naterzr2 Report Final score: 61points POST WilvanderHeijden WilvanderHeijden Community Member • points posts comments upvotes 10 months ago In the Netherlands they would be prosecuted for loan sharking, scamming and blackmail. 47 47points reply View More Replies... View more comments The Federal Reserve estimates that in quarter two of 2021, Americans owed a startling $1.73 trillion in student loans. Despite a pause on federal student loan interest rates, the number marks a record-breaking amount and it increased 3% compared to quarter two of 2020. WalletHub has recently compared the 50 states and the District of Columbia based on 11 measures of indebtedness (such as average student debt totals) and earning opportunities (such as unemployment among recent college graduates). They managed to determine which states struggle the most with student debt. #4Yes I Too Love Paying Off Half My Student Loans Or Be Able To Live Somewhere For Another 3 Months
tyj44qtv Report Final score: 58points POST Hexenfox Hexenfox Community Member • points posts comments upvotes FollowUnfollow 10 months ago My student loans were originally $14,000...I inherited $28k from one account and it was exactly enough to pay them off 16 years after graduation. 17 17points reply View More Replies... View more comments #5One Year Of Student Loan Payments Down
ProfWiggles Report Final score: 52points POST JustAnother Soul JustAnother Soul Community Member • points posts comments upvotes 10 months ago Why is this legal? 7 7points reply View more comments #6Paying Off Student Debt By Getting In A Car Accident
bomicc Report Final score: 50points POST Sunee Days Sunee Days Community Member • points posts comments upvotes FollowUnfollow 10 months ago My dad had to die a horrible death from kidney cancer in order to cancel out the Parent Plus Loan he took for my education. I did manage to pay off my student loans a couple of years ago, buy defaulting and getting my wages garnished. It sucked but it was a payment plan that seemed to work. 15 15points reply View More Replies... View more comments It turned out that West Virginia is the state most impacted by student debt. The data showed that student loan borrowers from there face some of the worst ratios of student debt to income. Moreover, an astounding number of borrowers from the state are behind on their student loan payments. WalletHub data also found that New Hampshire is home to the second-worst student loan holders. The state has the highest average student debt totals and the highest proportion of students who currently have student debt. A 2020 report by The Institute for College Access and Success estimated that an average student debt total for New Hampshire residents in the college Class of 2019 is roughly $39,410, more than any other state. #7Imagine Having To Pay Off Your Mom s Student Loan Debt In Literally Any Situation
NerdismOfficial Report Final score: 49points POST Wasdinator Wasdinator Community Member • points posts comments upvotes FollowUnfollow 10 months ago And they say gaming does no good. 15 15points reply View More Replies... View more comments #8Found One In The Wild Student Loans Make Even The Highly Paid Professions Painful
FungalDoc Report Final score: 48points POST Luther von Wolfen Luther von Wolfen Community Member • points posts comments upvotes FollowUnfollow 10 months ago I was told there would be buff dudes with mohawks fighting over gasoline. 19 19points reply View More Replies... View more comments #9Student Loan Debt
architects4pete Report Final score: 46points POST Devil's Advocate Devil's Advocate Community Member • points posts comments upvotes FollowUnfollow 10 months ago Apparently, they need more mathematicians... 6 6points reply View more comments The paradox of student loans is that higher education is supposed to improve our quality of life, granting access to high-quality jobs that provide greater stability, higher earnings, and critical benefits like health care and paid leave. This all turns out a distant dream after the student loan leaves many people wondering if it was even worth it. It's no secret that student debt has a profound impact on borrowers' lives and well-being. While many are not able to afford their monthly payments, those who make them usually have to make big sacrifices. For example, delaying home ownership, not starting a family and staying in unsatisfactory jobs. #10A Man Risks Of Having Diabetic Complications Just To Save Money On Food And Pays Off Student Debt
Lang1993 Report Final score: 45points POST ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago TBH I have no idea how that is possible. He's spending about 50c/day on food. What does he eat? One breadroll? That's insane. That's literally below the internationally defined poverty line. Hectic. 10 10points reply View More Replies... View more comments #11Student Loan Debt
AngelaBlueWave Report Final score: 45points POST ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago Similar story with houses here. My house is about 133 000. I've paid so far about 66 000. I still owe 120 000, ie that 66 000 has eroded 13 000 usd debt. It's just to do with your repayment rate and your interest level. 4 4points reply View More Replies... View more comments #12Chop Off Your Hands To Pay Off Your Student Debt
Life2you Report Final score: 42points POST Susie Elle Susie Elle Community Member • points posts comments upvotes FollowUnfollow 10 months ago So you have to physically get hurt to be able to pay off a debt, man that's all kinds of messed up 13 13points reply View More Replies... View more comments The burden of debt also takes a severe mental toll on borrowers. A 2021 mental health survey indicated 1 in 14 borrowers experienced suicidal ideation in response to the financial stress of student loans. Among borrowers who were unemployed or making less than $50,000 per year, this rate jumped to 1 in 8. As of today, the Biden administration has canceled $9.5 billion in student loans for permanently disabled borrowers and those defrauded by for-profit institutions. Experts agree that this is a major step in the right direction; unfortunately, it's very far from being enough. #13How To Pay Student Loans - By Money Experts
lisss202029 Report Final score: 41points POST Luther von Wolfen Luther von Wolfen Community Member • points posts comments upvotes FollowUnfollow 10 months ago This is literally selling a baby as a way to pay off one's debt. God bless America. 45 45points reply View More Replies... View more comments #14Student Loan Debt
MyP_Chicago Report Final score: 39points POST kjorn kjorn Community Member • points posts comments upvotes FollowUnfollow 10 months ago why nobody are out in the street and shooting bank manager for that? no... you storm the capitol because your cult leader is angry 16 16points reply View More Replies... View more comments #15Sorry You Can t Vote If You re 17 But You Can Still Take Out Tens Of Thousands Of Dollars In Predatory Student Loans
andhelostthem Report Final score: 38points POST Mewton’s Third Paw Mewton’s Third Paw Community Member • points posts comments upvotes FollowUnfollow 10 months ago This comment is hidden. Click here to view. Leave WSB out of it! -8 -8points reply View More Replies... View more comments #16Student Loan Debt
industrial_baby Report Final score: 37points POST Abhinc Abhinc Community Member • points posts comments upvotes FollowUnfollow 10 months ago and then some people tell you to study to get a better job and earn more money ... looks like it works so well !! good job USA 7 7points reply View more comments #17Corporate America Now Encouraging Folks To Binge-Drink Their Way Out Of Student Debt
cheddarpants Report Final score: 36points POST WilvanderHeijden WilvanderHeijden Community Member • points posts comments upvotes 10 months ago (edited) It's funny that is says: "Post a video showing how you would celebrate paying off your student loans". Which means that they don't believe that anyone could actually do it. So they made a contest out of what people would do if they achieved something unreal like taming a dragon or finding the Fountain Of Youth. Which both are more likely to happen than people paying of their student debts. 19 19points reply View More Replies... View more comments See Also on Bored Panda Woman Shows How "Harry Potter" Characters Were Supposed To Look According To Book Descriptions (35 Pics) 50 ‘Weird Facts’ About The World That Might Give You A Fresh Perspective #18Student Loan Debt
civitoroz Report Final score: 34points POST Cecilia Herrera Cecilia Herrera Community Member • points posts comments upvotes FollowUnfollow 10 months ago I graduated in 1980, and paid off my student loan in ten years (at $60 dollars a month.) The rate of inflation for college tuition is a sin. How did it get to this? 18 18points reply View More Replies... View more comments #19Student Loan Debt
thierry3nnuiau Report Final score: 34points POST Viktor Viktor Community Member • points posts comments upvotes FollowUnfollow 10 months ago Where did you get your loan from to accrue 20% interest in just 3 years? My wife has a loan from the UK's student loans company from around 2015 and it's only 1.1%. Also, her initial loan was about a quarter of yours but she pays around three times what you pay. 4 4points reply View More Replies... View more comments #20Student Loan Debt
12gaugefitness Report Final score: 31points POST Erika Erika Community Member • points posts comments upvotes FollowUnfollow 10 months ago From which we learn the question is not "What math are the borrowers studying?" but "What math are the lenders studying?" When I took math, 0% interest multiplied out to 0 interest. 13 13points reply View More Replies... View more comments #21Want To Avoid Debt Easy Go To War
CabinFeverDayDreams Report Final score: 26points POST Something Something Community Member • points posts comments upvotes FollowUnfollow 10 months ago This is the reason they need to keep poverty going. 25 25points reply View more comments #22The American Student Loan Debt Starter Pack
dualrollers Report Final score: 26points POST M O'Connell M O'Connell Community Member • points posts comments upvotes FollowUnfollow 10 months ago You mean one day I will be able to afford a 1990 Olds Cutlass? That'd be pretty sweet. 3 3points reply #23Student Loan Debt
NotDuinIt Report Final score: 26points POST Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Winning the lottery and the Olympics 5 5points reply View more comments #24Yes Be An Egg Donor To Pay Off Your Student Debt
UltimateWebRedditor Report Final score: 24points POST JB JB Community Member • points posts comments upvotes FollowUnfollow 10 months ago Talk about sacrificing your first born! 14 14points reply View More Replies... View more comments #25Wow
loisbeckett Report Final score: 24points POST Erika Erika Community Member • points posts comments upvotes FollowUnfollow 10 months ago So I'm guessing this is not including nightclub or school or concert mass shootings? 16 16points reply View More Replies... View more comments #26Student Loan Debt
mgiannonemd Report Final score: 24points POST PandaGoPanda PandaGoPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago What on earth is the student loan interest rate in the US?!! I thought the UK's was bad enough 18 18points reply View More Replies... View more comments #27Student Loan Debt
TiaRudy Report Final score: 24points POST Wasdinator Wasdinator Community Member • points posts comments upvotes FollowUnfollow 10 months ago With everyone of these posts I'm getting happier that I don't live in the US. 20 20points reply View More Replies... View more comments See Also on Bored Panda Overworked Employee Quits Because He Wasn't Getting A Fair Wage, Costs The Company $40 Million 40 Embarrassing Moments People Didn't Know Who They Were Talking To And Made A Fool Of Themselves #28Student Loan Debt
MrGee54 Report Final score: 23points POST Luther von Wolfen Luther von Wolfen Community Member • points posts comments upvotes FollowUnfollow 10 months ago I'm still building mine. 6 6points reply View more comments #29Student Loan Debt
ladisputer Report Final score: 21points POST #30For Our Non-American Friends Who Probably Wouldn t See This Targeted Ad I Present To You A Profit Calculator On Student Loans From A Major Credit Card Company
koulnis Report Final score: 17points POST Mad Dragon Mad Dragon Community Member • points posts comments upvotes FollowUnfollow 10 months ago My grandmother died, and my sister and I split the inheritance my mom would have been given if she hadn’t died years ago. I gave my daughter the $7,000 from her estate. It will pay for possibly one year of in-state tuition for the local university. Thank you, Grandma, and thank you, Mom. 4 4points reply View more comments Note: this post originally had 32 images. It’s been shortened to the top 30 images based on user votes. Anyone can write on Bored Panda. Start writing! Follow Bored Panda on Google News! Follow us on Flipboard.com/@boredpanda! Add New Image Add Your Photo To This List Please use high-res photos without watermarks Upload Photo Ooops! Your image is too large, maximum file size is 8 MB. Not your original work? Add source Publish Change image Upload Photo Ooops! Your image is too large, maximum file size is 8 MB. Upload Upload Edit Image Error occurred when generating embed. Please check link and try again. Render conversationUse html version
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Title Update Liucija Adomaite Liucija Adomaite Writer, BoredPanda staff Liucija Adomaite is a creative mind with years of experience in copywriting. She has a dynamic set of experiences from advertising, academia, and journalism. This time, she has set out on a journey to investigate the ways in which we communicate ideas on a large scale. Her current mission is to find a magic formula for how to make ideas, news, and other such things spread like a virus. Read more » Ilona Baliūnaitė Ilona Baliūnaitė Author, BoredPanda staff Ilona is a photo editor at Bored Panda with an MA in Communication Of Creative Society. Before Bored Panda, she worked as a social media manager and freelance graphic designer. When she is not photoshopping or searching for the most interesting photos for stories, she is usually watching good movies and says that The Godfather is the best. Read more » Show All Contributors Get the latest inspiring stories via our awesome iOS app! Download Bored Panda app! 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POST Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago My wife, an American, and I lived near Atlanta for several years. We enjoyed living there very much. But when our children grew up, we thought a lot about what would happen when those same children wanted to go to university. We decided at some point that we didn't want to ruin our children at a young age and have them start life with debt. This was ultimately the main reason why we moved back to Germany (my home country) a few years ago. Two of our daughters are now finished with their studies, one is a veterinarian, the other is an urban and development planner. Both can now start their professional lives without any debts and build their own lives. We probably would never have forgiven ourselves as parents if we had not taken the chance and our children started life with massive debt. 27 27points reply Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 10 months ago I hope your children know how lucky they are. 11 11points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Good plan. 0 0points reply Harry Lui Harry Lui Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) This comment is hidden. Click here to view. Or you could have started a 529s plan for your children. -4 -4points reply ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago Tragic but it shows a number of things. 1. The cost of college courses in usa is excessive. Here you're looking at about half that cost. 2. Most people on the list seem to not understand that if you pay the minimum repayment rate you won't get out of debt. The banksters do this to keep you trapped. Try pay slightly more than required. If you just pay the interest off, the debt NEVER goes down. 3. You can sign up for degrees in other countries which are cheaper, e.g. EU, Africa, etc. A few of our universities here often come up in the top 100. 4. By all means, keep voting for capitalists. ORRRRR maybe make a socialist party and vote for them? 9 9points reply Potato Potato Community Member • points posts comments upvotes FollowUnfollow 10 months ago Unfortunately, they require you to tell them your salary when you get the loan or attempt to refinance, so they can fix the monthly payments in such a way that it is difficult to pay more than the minimum and still pay all your other bills. Not sure how I would have been able to get a degree from a different country without moving there, but I suppose it's easier now that there are more online options. 6 6points reply Load More Replies... Leo Domitrix Leo Domitrix Community Member • points posts comments upvotes FollowUnfollow 10 months ago It also shows that lending institutions should be held to the same interest on student loans as on mortgages, and we need free education and nationalized free healthcare, as well. 4 4points reply Kanuli Kanuli Community Member • points posts comments upvotes FollowUnfollow 10 months ago Also getting a higher loan with a little less interest can still result in you paying much more. Do the math, or ask a friend for you. My brother fell for that, though he never reached out to me. 3 3points reply Rez Fidel Rez Fidel Community Member • points posts comments upvotes FollowUnfollow 10 months ago My aunt emigrated to the U.S. 40 years ago and worked there as a secretary for a CEO. She told me how her american friends used to make fun of her because she only had one credit card... but in my family we were taught never to spend money you dont own. So no credits on nothing.. never. You work for it..you save it.. THEN you spend it. I know..easy to do.. when education and other things are free... 8 8points reply Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago I was raised the same way and seeing so many Americans in debt made me wonder at first. The thing is, if you don't have a credit card or multiple and you don't spend money, you might get into trouble with your so called credit score. If you ever need money from a bank and you never paid much with a credit card or anything, they might not give you anything, because in the US you wouldn't be visible to a bank if you don't spend money in a certain way. I am not an expert here, but the whole system seems to be build on spending money, even if you don't have any. Some might call that turbocapitalism. 9 9points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Just like drug dealers: the first transaction is forced and/or free. 1 1point reply Alex the Country Dog Alex the Country Dog Community Member • points posts comments upvotes FollowUnfollow 10 months ago That is how to have terrible credit in the U.S. The “debt-free/spend only when you have it” approach is no longer as feasible as it was in previous generations, because the entire U.S. system is based on debt RATIO—meaning you need a fair amount of debt to salary to savings to prove you are able to hold and continue paying off debt in order to obtain loans for housing, vehicles, etc. The system is terrible, but without multiple (healthy) lines of credit, your credit score is actually worse than someone with a lot of debt. This means under this system if you are debt free, and have one or no credit cards, you will struggle to get a loan for a house, or car, or any legitimate life loan with reasonable interest. Having the correct debt ratio, as it works within the U.S. lending system, is the best way forward. (Sadly.) 2 2points reply Marlowe Fitzpatrik Marlowe Fitzpatrik Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) That's just so stupid! It's insane that nothing worse happened than the Leman-Brother's crash, because with that bullshit-idea of living, everything in the US is built on debt. Can nobody see how insane that is? If you don't have something, you cannot spend it! I'm appalled whenever I read about this... Just appalled. I don't care about loans - I'll never spend more money than I have. Edit: I know it's not your fault, of course. I'm just so outraged about this system - sorry for the rant. 2 2points reply Load More Comments POST Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago My wife, an American, and I lived near Atlanta for several years. We enjoyed living there very much. But when our children grew up, we thought a lot about what would happen when those same children wanted to go to university. We decided at some point that we didn't want to ruin our children at a young age and have them start life with debt. This was ultimately the main reason why we moved back to Germany (my home country) a few years ago. Two of our daughters are now finished with their studies, one is a veterinarian, the other is an urban and development planner. Both can now start their professional lives without any debts and build their own lives. We probably would never have forgiven ourselves as parents if we had not taken the chance and our children started life with massive debt. 27 27points reply Michelle M Michelle M Community Member • points posts comments upvotes FollowUnfollow 10 months ago I hope your children know how lucky they are. 11 11points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Good plan. 0 0points reply Harry Lui Harry Lui Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) This comment is hidden. Click here to view. Or you could have started a 529s plan for your children. -4 -4points reply ZAPanda ZAPanda Community Member • points posts comments upvotes FollowUnfollow 10 months ago Tragic but it shows a number of things. 1. The cost of college courses in usa is excessive. Here you're looking at about half that cost. 2. Most people on the list seem to not understand that if you pay the minimum repayment rate you won't get out of debt. The banksters do this to keep you trapped. Try pay slightly more than required. If you just pay the interest off, the debt NEVER goes down. 3. You can sign up for degrees in other countries which are cheaper, e.g. EU, Africa, etc. A few of our universities here often come up in the top 100. 4. By all means, keep voting for capitalists. ORRRRR maybe make a socialist party and vote for them? 9 9points reply Potato Potato Community Member • points posts comments upvotes FollowUnfollow 10 months ago Unfortunately, they require you to tell them your salary when you get the loan or attempt to refinance, so they can fix the monthly payments in such a way that it is difficult to pay more than the minimum and still pay all your other bills. Not sure how I would have been able to get a degree from a different country without moving there, but I suppose it's easier now that there are more online options. 6 6points reply Load More Replies... Leo Domitrix Leo Domitrix Community Member • points posts comments upvotes FollowUnfollow 10 months ago It also shows that lending institutions should be held to the same interest on student loans as on mortgages, and we need free education and nationalized free healthcare, as well. 4 4points reply Kanuli Kanuli Community Member • points posts comments upvotes FollowUnfollow 10 months ago Also getting a higher loan with a little less interest can still result in you paying much more. Do the math, or ask a friend for you. My brother fell for that, though he never reached out to me. 3 3points reply Rez Fidel Rez Fidel Community Member • points posts comments upvotes FollowUnfollow 10 months ago My aunt emigrated to the U.S. 40 years ago and worked there as a secretary for a CEO. She told me how her american friends used to make fun of her because she only had one credit card... but in my family we were taught never to spend money you dont own. So no credits on nothing.. never. You work for it..you save it.. THEN you spend it. I know..easy to do.. when education and other things are free... 8 8points reply Marc Marc Community Member • points posts comments upvotes FollowUnfollow 10 months ago I was raised the same way and seeing so many Americans in debt made me wonder at first. The thing is, if you don't have a credit card or multiple and you don't spend money, you might get into trouble with your so called credit score. If you ever need money from a bank and you never paid much with a credit card or anything, they might not give you anything, because in the US you wouldn't be visible to a bank if you don't spend money in a certain way. I am not an expert here, but the whole system seems to be build on spending money, even if you don't have any. Some might call that turbocapitalism. 9 9points reply Load More Replies... Gerard Neaux Gerard Neaux Community Member • points posts comments upvotes FollowUnfollow 10 months ago Just like drug dealers: the first transaction is forced and/or free. 1 1point reply Alex the Country Dog Alex the Country Dog Community Member • points posts comments upvotes FollowUnfollow 10 months ago That is how to have terrible credit in the U.S. The “debt-free/spend only when you have it” approach is no longer as feasible as it was in previous generations, because the entire U.S. system is based on debt RATIO—meaning you need a fair amount of debt to salary to savings to prove you are able to hold and continue paying off debt in order to obtain loans for housing, vehicles, etc. The system is terrible, but without multiple (healthy) lines of credit, your credit score is actually worse than someone with a lot of debt. This means under this system if you are debt free, and have one or no credit cards, you will struggle to get a loan for a house, or car, or any legitimate life loan with reasonable interest. Having the correct debt ratio, as it works within the U.S. lending system, is the best way forward. (Sadly.) 2 2points reply Marlowe Fitzpatrik Marlowe Fitzpatrik Community Member • points posts comments upvotes FollowUnfollow 10 months ago (edited) That's just so stupid! It's insane that nothing worse happened than the Leman-Brother's crash, because with that bullshit-idea of living, everything in the US is built on debt. Can nobody see how insane that is? If you don't have something, you cannot spend it! I'm appalled whenever I read about this... Just appalled. I don't care about loans - I'll never spend more money than I have. Edit: I know it's not your fault, of course. I'm just so outraged about this system - sorry for the rant. 2 2points reply Load More Comments Popular on Bored Panda I Used AI To See What These 23 Popular Cartoon Characters Would Look Like In Real Life 30 Y.O. Woman Takes DNA Test For Fun Only To Discover Her Long-Term Boyfriend Is Her Full Sibling "I Just Said Thank You And Left": Man’s Nice Gesture Is Praised After Pizza Hut Driver Got A $20 Tip On A $938 Order Woman Flabbergasted At Thrift Store's Prices, Calls Them Out By Sharing 14 Examples 50 Parents Having A Pretty Miserable Day Photoshop Troll Who Takes Photo Requests Too Literally Strikes Again, And The Result Is Hilarious (17 Pics) Popular on Bored Panda 30 Y.O. 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