#loan cycle

[indembminsk]

I am Trapped in Loan Cycle: How to Get Out of It?

Being trapped in a loan cycle can feel like you are on a never-ending financial treadmill. With each step, you struggle to keep up with the interest and payments, only to find yourself borrowing more just to stay afloat. If you find yourself in this daunting situation, know that there is a way out. Here are some steps to break free from the loan cycle and regain control of your financial…

[ghostlyheart]

as we approach the start of a new semester i'm sending all the compassion and empathy in the world to students who struggle with procrastination and what I affectionately like to call the Shame Monster that goes along with it. it sucks to always be treading water and feeling like a fraud to yourself and others, especially when it's something you truly care about. if you're always thinking "why can everyone else be responsible and organized but not me," your brain is overgeneralizing. you're not the only person to experience being overwhelmed and stuck. and even IF everyone else balanced their life perfectly, that wouldn't make you a bad person for struggling. if you care about something but keep avoiding it and don't understand why, there is probably more going than you realize. if your physical and mental health are being neglected, then you're never going to be able to accomplish what you want to do because you don't have any gas in the tank. it took me crashing and failing last semester for me to finally admit to myself that i was suffering from some SERIOUS burnout. i had this whole plan for research i was going to do over the summer and all these opportunities i wanted to take advantage of that i couldn't do because i was neglecting to take care of myself. the worst thing my anxious brain told me could ever happen did happen and i'm still alive. i hope that doesn't happen to you, but know you can recover and come back better. also: it's okay to stop wanting what you thought you wanted, or to take a different path than the one you were "supposed" to. don't do things because you think other people expect you to, or because you think it's too late to change your mind. that isn't sustainable. your college experience is for YOU, not for other people. you can do this!

[riseupriseupandcomealong]

love/hate relationship with reaching the stage of a hobby where if you want to get better at it / more into it you’re going to have to start accumulating really specialized skills. like aw fuck i have to study this. but also yay i get to study this!

[goldengodcannibal]

Man, I hate living in debt.

[astriiformes]

.

[crimmson]

between my computer deciding to rebel, and work, and life, and I feel like I have a perpetual minor cold with that kinda slightly stuffy feel and that taste in the back of my throat,

I am kindly requesting someone to just Old Yeller me at this point

[shummthechumm]

car shopping while everything is inflated to hell is torture actually. do i drop 5k on a well-used car and risk getting shackled to a bad vehicle; or do i take several more months to save up 10k (at minimum) to get a less-well-used car but also restricting my university progression because my campus is 40+ minutes away + im not paying for a dorm

[samwisefamgee]

the 20 dollar pair of throwaways I got for my sister's wedding were perfect for the like 7 hours I got them for but are really not perfect for like anything else ever

[stormofneurosis]

Operating an unlicensed charter boat

Possibly murder... jury's out on that one

a dozen or so healthcode violations

at least some amount of cruelty to animals

unlicensed mining, fishing, & logging

Some practicing of medicine without a license

OH yeah, how could I forget the unlicensed construction and electrical wiring!

Aiding and abetting criminal activities

Child neglect

hmmmm

I think that's all?

duality of man

[tenth-sentence]

A loan can be regraded because of a change in the economic cycle that has a good or bad impact on the borrower's industry.

"Westpac: The Bank That Broke the Bank" - Edna Carew

[andrasta14]

Grossly under used emojis:

 🥸🫣🫡🫨🫠🫥

These are such a mood. Why am I not seeing these more often? Get on it, guys! 🥸

[sweetdreamspootypie]

Had this conversation at shul this morning

To my understanding, I don't see the accusation of 'play acting revolutionaries' in the current student protests?

The base premise was a request/demand/insistence that the universities make transparent their institutional financial connections and divest from military related things. That's a very reasonable and basic request of an institution that you'll be paying towards for the rest of your life with your student loan money.

It could very easily have been a quirky 'lol weird guy over there is so passionate about accounting it's gunna camp until the accountant finishes their reports in a couple weeks.'

But it's the fact of the university and police pushback against this simple demand that made it a dramatic act of resistance.

If you aren't allowed to protest /anything/ no matter how simple, then the act of sticking with it becomes an act of protesting for your right to protest itself, and the police response proves the necessity of that protest, much like in 2020 and 2016 and however many times before that that I don't know about.

Resistance to fascism is resistance to fascism, even if you think the thing fascism is trying to stamp out in this particular instance isn't a hill worth dying on for you personally

centrist guy in 1970 seeing university anti-vietnam war protests in the news

[fandom-blackhole]

And just like that ladies and gentle-nonbinaries the straw has fallen and broken my metaphorical camel's back

[dunwodatl]

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[fayetatl]

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[worrywrite]

Unsolicited opinion: Student Loan Forgiveness is necessary to maintain the current profitability of high education.

As it stands, a college education in the United States is not a favorable option to achieve a higher salary position. Degree holding adults are highly saturated in the work force, with the current trend of employment taking the leftover degree holding adults to trade programs (electrical, plumbing, construction, HVAC, etc.). This is only going to get worse over the next 10-20 years as we see minimal numbers leaving the general workforce and a significant number more entering it. This gets worse because 1) social security benefits are being stripped back (we just had an increase in the age required to gain them) and older workers are being disincentivised from leaving the workforce and 2) we're going to see more large scale employers cut back on tech and writing positions as they attempt to slim the workforce with AI to increase profits.

High school age students are already seeing that a college education is not what it was worth to the previous generation (not that their high schools, advisors, peers are going to tell them that). What they're seeing is older siblings and young aunts/uncles struggle to work and find employment in the field of their choice. And worse, inflation is making it (and will continue to make it) even harder to pay of their college educations. They likely have parents still paying off their degrees which they also likely do not use in their work.

The governments wholesale rejection of the concept of assisting college students is a dangerous compaction of this trend. They aren't just saying that they don't want to give students (ones that have already shown they are in need, because they already had to qualify for federal financial assistance) a handout. That's they're surface level argument. But what they're getting at is that they don't want to support individuals that can't get into the workforce with their degrees. If you got one of a handful of degrees that are now useless in the US (including things like software engineering; because coding, tech support, and software design are much cheaper to outsource) no one is going to help you offset the cost of that useless degree unless you do something like join the military or the police force.

As potential students realize that they're going to be even less capable of dealing with student debt than previous generations they will be less likely to actually seek out degrees. Not only does this impact the number of skilled workers in the country, it also reduces the income of teachers, creates saturation on trade employment, and increases dependency on outsourced labor.

Increasing the availability of higher education won't always be a good investment, of course. But this offset in the debt burden of the middle class (because that is, primarily, the demographic shouldering the greatest portion of this debt) and gives them a greater employment mobility and buying power. They will be more likely to find work that will be satisfying to them and give them the opportunity to spend more money in the long term. Not to mention that, in many of the states where these repayments will be given they are taxable income. But, unlike student loan debt, taxes don't accrue interest and the state government will more than likely be able to help set up functional payment plans if the taxes for a refund can't be paid in the calendar year they were granted. So the states can actually increase their tax revenue from this money they wouldn't have seen any of anyways as the businesses that own student debt are pretty much all based out of other states.

It also isn't a long term solution. If we expect another wholesale loan payoff, we'd be doing the equivalent of tossing giant ice cubes in the ocean to offset climate change. But if we are going to lessen the burden of student loan debt over future generations of students, we need to offset the existing burden first. It isn't equitable to anyone if only the upcoming generation of students have an easier time paying off their debt, and it's less likely to happen if older generations are stuck working longer than they need to in order to pay off their debt.