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Young Living Thieves Oil Spray

The Student Loan Debt Bubble Is Creating Millions Of Modern Day Serfs

Every single year, millions of young adults head off to colleges and universities all over America full of hopes and dreams.  But what most of those fresh-faced youngsters do not realize is that by taking on student loan debt they are signing up for a life of debt slavery.  Student loan debt has become a trillion dollar bubble which has shattered the financial lives of tens of millions of young college graduates.  When you are just starting out and you are not making a lot of money, having to make payments on tens of thousands of dollars of student loan debt can be absolutely crippling.  The total amount of student loan debt in the United States has now surpassed the total amount of credit card debt, and student loan debt is much harder to get rid of.  Many young people view college as a "five year party", but when the party is over millions of those young people basically end up as modern day serfs as they struggle to pay off all of the debt that they have accumulated during their party years.  Bankruptcy laws have been changed to make it incredibly difficult to get rid of student loan debt, so once you have it you are basically faced with two choices: either you are going to pay it or you are going to die with it.

But we don't warn kids about this before they go to school.  We just endlessly preach to them that they need a college degree in order to get a "good job", and that after they graduate they will easily be able to pay off their student loans with the "good job" that they will certainly be able to find.

Sadly, tens of millions of young Americans have left college in recent years only to find out that they were lied to all along.

As I have written about previously, college has become a giant money making scam and the victims of the scam are our young people.

Back in 1952, a full year of tuition at Harvard was only $600.

Today, it is over $35,000.

Why does college have to cost so much?

At every turn our young people are being ripped off.

For example, the cost of college textbooks has tripled over the past decade.

Has it suddenly become a lot more expensive to print books?

Of course not.

The truth is that an entire industry saw an opportunity to gouge students and they went for it.

The amount of money being spent on higher education in this country is absolutely outrageous.  One father down in Texas says that he will end up spending about 1.5 million dollars on college expenses for his five daughters before it is all said and done.

Unfortunately, most young adults in America don't have wealthy fathers so they have to take out large student loans to pay for their educations.

Average student loan debt at graduation is estimated to be about $28,720 right now.

That is a crazy figure and it has absolutely soared in recent years.  In fact, student loan debt in America has grown by 511 percent since 1999.

And student loan debt will follow you wherever you go.

If you do not pay your loans when you graduate, you could end up having your wages, your tax refunds and even your Social Security benefits garnished.

In addition, your account could be turned over to the debt collectors and they can be absolutely brutal.

The student loan debt bubble is the best thing to happen to debt collectors in ages.  The following is what one professional who works in the industry said in a recent article that he wrote for a debt collection industry publication....

As I wandered around the crowd of NYU students at their rally protesting student debt at the end of February, I couldn’t believe the accumulated wealth they represented – for our industry.

It was lip-smacking.

At my right, to graphically display how she was debt-burdened, was a girl wearing a t-shirt emblazoned with the fine sum of $90,000, another with $65,000, a third with $20,000 and over there a really attractive $120,000 was printed on another shirt.  Guys were shouldering their share, with t-shirts of $20,000, $15,000, $27,000, $33,000 and $75,000.

There is no way that our young people can afford to take on those kinds of debt loads, and that is one reason why student loan delinquency rates continue to surge.

In fact, the student loan default rate in the United States has nearly doubled since 2005.

Today, one out of every six Americans that owes money on a student loan is in default.

One out of every six.

And it is going to get a whole lot worse.

At this point there are about 5.9 million Americans that are at least 12 months behind on their student loan payments.

So could the bursting of the student loan bubble do tremendous damage to our financial system?

Don't worry - Federal Reserve Chairman Ben Bernanke is promising that the student loan debt bubble won't cause a crisis.

And you can trust him, right?

For those living with the burden of unpaid student loan debt, life can be really tough.  Some try to avoid the debt collectors, but it is easier said than done.  The following is from a recent article in the New York Times....

Hiding from the government is not easy.

“I keep changing my phone number,” said Amanda Cordeiro, 29, from Clermont, Fla., who dropped out of college in 2010 and has fielded as many as seven calls a day from debt collectors trying to recover her $55,000 in overdue loans. “In a year, this is probably my fourth phone number.”

Unlike private lenders, the federal government has extraordinary tools for collection that it has extended to the collection firms. Ms. Cordeiro has already had two tax refunds seized, and other debtors have had their paychecks or Social Security payments garnisheed.

The biggest problem, of course, is that there are not nearly enough jobs for the hordes of college graduates that our system produces each year.

During 2011, 53 percent of all Americans with a bachelor's degree under the age of 25 were either unemployed or underemployed.

So without a good job, how are those young people supposed to service their student loans?

Once upon a time, a college degree was a guaranteed ticket to the middle class.

Sadly, those days are long gone.  Today, millions upon millions of college graduates have taken jobs that do not even require a college education.  The following is from a recent CNBC article....

In the last year, they were more likely to be employed as waiters, waitresses, bartenders and food-service helpers than as engineers, physicists, chemists and mathematicians combined (100,000 versus 90,000). There were more working in office-related jobs such as receptionist or payroll clerk than in all computer professional jobs (163,000 versus 100,000). More also were employed as cashiers, retail clerks and customer representatives than engineers (125,000 versus 80,000).

You probably know young people who have experienced the "wake up call" that comes as a result of entering the "real world" in this horrible economic environment.

It is not easy out there.

And this can be extremely disappointing for parents as well.  How would you feel if your daughter got very high grades all of the way through college and ended up working as a waitress because she couldn't find anything else?

Even those that pursue advanced degrees are having an extremely challenging time finding work in this economy.

For example, a Business Insider article from a while back profiled a law school graduate named Erin that is actually on food stamps....

She remains on food stamps so her social life suffers. She can't afford a car, so she has to rely on the bus to get around Austin, Texas, where she lives. And currently unable to pay back her growing pile of law school debt, Gilmer says she wonders if she will ever be able to pay it back.

"That has been really hard for me," she says. "I have absolutely no credit anymore. I haven't been able to pay loans. It's scary, and it's a hard thing to think you’re a lawyer but you’re impoverished. People don’t understand that most lawyers actually aren’t making the big money."

And the really sad thing is that the quality of the education that our young people are receiving is very poor.  I spent eight years attending U.S. universities, and most parents would be absolutely shocked at how little our college students are actually learning.

Going to college really has become a ticket to party for four or five or six years with a little bit of "education" thrown in.

But our society has put a very high value on those little pieces of paper called "diplomas" so we all continue to play along with the charade.

Some college students are finding other "creative" ways to pay for their educations other than going into tremendous amounts of debt.  For example, an increasing number of young women are seeking out "sugar daddies" who will "sponsor" their educations.  The following is from a Huffington Post article about this disturbing trend....

On a Sunday morning in late May, Taylor left her Harlem apartment and boarded a train for Greenwich, Conn. She planned on spending the day with a man she had met online, but not in person.

Taylor, a 22-year-old student at Hunter College, had confided in her roommate about the trip and they agreed to swap text messages during the day to make sure she was safe.

Once in Greenwich, a man who appeared significantly older than his advertised age of 42 greeted Taylor at the train station and then drove her to the largest house she had ever seen. He changed into his swimming trunks, she put on a skimpy bathing suit, and then, by the side of his pool, she rubbed sunscreen into the folds of his sagging back -- bracing herself to endure an afternoon of sex with someone she suspected was actually about 30 years her senior.

Of course that young woman will probably deeply regret doing that later on in her life.

Once graduation comes, millions upon millions of our young people are discovering that it is really hard to be financially independent if you are drowning in student loan debt and you can't find a good job.

So what are they doing?

They are moving back in with Mom and Dad.

One poll discovered that 29 percent of all Americans in the 25 to 34 year old age bracket are still living with their parents.

Ouch.

So what do you think about all of this?  Please feel free to post a comment with your thoughts below....

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  • Washington

    On November 6, 2012, there are more than 16 trillion reasons we must vote for a new direction. If you are concerned that a fiscal catastophe looms for America, please share this video with your friends and family!
    http://www.youtube.com/watch?v=mLO9K5uTsng&feature=player_embedded

  • CharlesB

    “Poverty is the parent of revolution and crime.”–Aristotle

    “Necessity is above all law.”–Thomas Jefferson

    College Students Are Going Homeless and Hungry — And Corporate America Is Trying to Exploit Them
    http://www.alternet.org/college-students-are-going-homeless-and-hungry-and-corporate-america-trying-exploit-them

    Grieving Father Struggles to Repay Dead Son’s Massive Student Loans
    http://www.alternet.org/story/155887/grieving_father_struggles_to_repay_dead_son%27s_massive_student_loans

    Student loan fugitives
    When faced with unaffordable monthly payments and relentless
    creditors, some see leaving the country as their only way out.

    http://money.cnn.com/2008/10/23/pf/college/student_loan_fugitives/index.htm

    Fleeing the Country: From the Horse’s Mouth
    http://butidideverythingrightorsoithought.blogspot.com/2011/03/fleeing-country-from-horses-mouth.html

    Does Everyone Need to Go to College?
    http://butidideverythingrightorsoithought.blogspot.com/2009/12/does-everyone-need-to-go-to-college.html

    News We Already Know: College Degrees Fail to Lift Low Income Youth
    Out of Poverty
    http://butidideverythingrightorsoithought.blogspot.com/2010/06/news-we-already-know-college-degrees.html

    Fleeing the Country, Part II
    http://butidideverythingrightorsoithought.blogspot.com/2010/05/fleeing-country-part-ii.html

    Should You Flee the Country?
    http://butidideverythingrightorsoithought.blogspot.com/2010/05/should-you-flee-country.html

    Learning How to Fight the Collector
    http://www.nytimes.com/2010/04/24/business/24collection.html?_r=3&src=me&ref=business

    Reflections on a Medical Career by Robert S. Dotson, M.D.
    http://www.paulcraigroberts.org/2012/08/02/reflections-medical-career-robert-s-dotson-m-d/

    Niche and Grow Rich
    http://www.amazon.com/Niche-Grow-Jennifer-Basye-Sander/dp/1891984764

  • http://brigittepicart.com Brigitte

    I had to deal with a young female lawyer who worked in the law department at the Transit Authority of a big North East city. I was the plaintiff, injured by a bus, representing myself after firing my ambulance chasers. The TA, represented by this young woman who looked fresh out of law school, was very dishonest in the way it litigated the lawsuit. It made me wonder about her situation Surely she had law school debt and couldn’t afford to take the high road and refuse to do unethical and illegal things for her employer.

  • none

    GOOD NEWS Micheal:

    Last night I watched Moyer & Company on PBS CH-39.
    Name of show: (Changing Power, Changing Politics).
    He interviewed the Vermont Senator Bermie Sanders who stood up in the senate and spoke for 8 hours. Someone had written a book about this called “The Speech”.
    It was about some of the same things you have written about here!

    As an added bonus, the next guest was a woman who represented a group to stop all the foreclosures! Again, they quoted the numbers you have used on this web site!

    You can actually learn something from watching T.V. !

  • William

    My four kids agree to go to university overseas and live an hour from their European relatives. Tuition is under $5k until they’re residents then it’s $1k. I already budget for annual airline tickets for each, so no extra cost there.

    Off-shore university education should be the next trend, like medical tourism, or off-shore retirement.

    • comnenus

      I think the “European” country probably speaks some kind of Slavic language and whose degree won’t be honored by American employers.

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  • Piglet

    Following the BS degree in business management I earned 30 years ago the big joke among fellow grads was how the fields in which we were employed had nothing to do with our degrees, which also contributed nothing to getting ahead in life. Ten years later I earned an MBA through night classes and as I was in my last semester I came across an article in US News & World Report stating that, unless one’s MBA comes from one of the big-name schools like Wharton, it’s essentially worthless. This was confirmed by professors and deans interviewed for the article. (Those thinking of getting an MBA, take note.) As is the case with my BS degree, I have never used anything I learned from my MBA classes. At the time I was in the active duty military so 75% of the tuition was covered, but not the very expensive books. I took some community college computer classes on my own time and at my own expense (no reimbursement for non-degree courses) but I was able to put this knowledge to use and it also enabled me to find employment after getting out of the military. I would have been far better off if I had not bothered with the graduate degree and simply took much cheaper, but far more useful, community college classes in various computer applications.

    I am fortunate not to have any children. One of my brothers has two young sons and, although he has a top-paying GS job with the feds, he really doesn’t know how he’s going to afford their college educations. As suggested by others in this forum, I discussed sending them to the local community college for the first two years and, if they’re serious about school, they can transfer to the same big-name state university my brother attended. Unfortunately I know this will never work for him. I’m sure he would be unable to bear the “shame” of admitting to anyone that he had sent his sons to a community college instead of the state university, so he will knuckle under, take out massive loans, and put himself in debt for the rest of his life. He will need to work until he drops dead on the job.

    He is now in his early 50s but has no money saved up for retirement, much less college for his kids. Among his many expenses are weekly visits to shrinks by his wife and both sons, which are certainly not cheap and have been going on for years. (That’s another story entirely. Sounds like a nice racket for the shrinks.)

    Did I mention I’m fortunate not to have kids? Speaking of which, here’s what some kids do…

    When I was in college over 30 years ago, I had already served one tour in the military and was determined to finish my degree. I studied and did homework late into the night, sometimes all night if necessary. So many others were simply partying on Daddy’s dime, getting stoned, scrogging their girlfriends, skipping classes, etc. I knew a guy and his girlfriend down the hall in the dorms who were selling cocaine to finance their educations. (Note: This was a “nice” university in the vanilla suburbs.) Another effeminate guy was selling himself to congressmen, senators, and other well-heeled people, although this seemed to be by choice, not out of desperation. Later I became aware of students at a nearby women’s university were working part-time as high-class call girls. They knew they had something that was in great demand and they made the most of it. (Dads, in case you’ve forgotten what college was really like, or you didn’t notice what was really going when you were there, take note.)

    Thanks to the internet, today’s young students have discovered a new way to earn $10,000 for college expenses or anything else on which they choose to spend it. Google “College Rules” and you’ll see what I mean.

    By the way, did I mention I’m fortunate not to have kids?

    • OLdFART

      BS–We all know what that stands for

      MS–More of the Same

      PHD–Piled High and Deep

  • Phillip Sherwood

    Remember the housing bubble? Remember how you HAD to buy a house since the USA was running out of land, the nation was being flooded with immigrants who were buying all the houses? How no more land could be developed because of enviromental concerns? Remember how since home prices were rising this was your LAST CHANCE EVER to buy a house? Remember how since the Lincoln administration home prices never dropped anywhere,anytime? Remember how this was your safest investment, the bedrock of the American dream? Remember all the great tax deductions? Remember how you never got anything back by renting and that only people who “hate” America” rent?

    And now you tell our children to forget about college?

    OF COURSE our young people are going to get fleeced. You just can’t buck the American Dream.

    What advice would anybody give them anyway?

  • http://frugallivingonthewatkinsranch.blogspot.com Ranchers wife

    I have two teenagers, have already told both of them that loans for school are not an option they had better have the grades to get scholarships or work there way through.They do not need to be burdened down with that kind of debt. They both are already saving for school but are looking at trade schools instead of college.

  • Minnie

    Haven’t seen any comments about on-line universities. On-line university enrollment has shot up the past few years as many thought it more economical with gas, parking fees, more convenient, etc. The on-line universities sales people have been taught by the best…wall street. Before my 2nd semester I began to research my classes & my testbooks for my next semester classes & discovered several classes were extremely similiar as were the textbooks. When I questioned my advisor he referred me to someone else who gave me a tongue in cheek answer. One semester cost me $6000 in student loans. Lesson was priceless. I withdrew.

  • http://www.palmettoprotectionproducts.com prepguy

    Best advice for a young person today is go to a technical school, learn a trade, get a job and then finish your college degree while you work. Sad state of affairs.

  • Dr. Penurious

    I think people are making a huge mistake in attacking the value of an education that doesn’t directly teach job skills. There is entirely too much emphasis on future job earnings from higher education in the first place. It’s enough if, as an educated person, you can just manage to still make a living and, maybe, even do a little better than you would without the degree. But this isn’t happening.

    I just spent 15 years teaching at a large junior college (20+ thousand students), where my last and highest earnings were $16,800/year. It was run by an uneducated president, and Ed.D. (Extra-dumb Dumbass) whose education seemed to amount to having attended “leadership seminars,” which my fantasy tells me must have been like Amway meetings.

    These sorts of people have no inkling of academic values. They’re just running a business, or “an organization,” or whatever they think it is. They look at every angle for “growing,” for increasing the number of students, for marketing the college, for “finding the money,” etc. They run the campus “bookstore” as a captive concession, trying to maximize what they can charge bookstore operators for the location, and they view everything similarly.

    They recruit students by telling them “Of course, you can do it.” I think they tell them they only have to swing by the college a couple of nights a week and it’s easy. They should be telling them college is difficult (because it’s supposed to be). It’s like the George Carlin I saw on Youtube where he says, “Pretty soon to get into college all you’ll need is a pencil. ‘Got a pencil? Get in there! It’s physics.” So they show up not able to write a single coherent sentence, and I need them to write essays. I’ve been told by others that they show up without even knowing their multiplication tables. What should we expect after today’s K-12? There simply aren’t as many qualified to go to college as there used to be. But the administrators want bodies, and they’re sure we can fix it. Duh!

    They also don’t care about the teacher’s qualifications very much, beyond whether they have the minimum required by various external agencies for accreditation of the college. I.e., they themselves hold honest education in contempt; they just want to show numbers; that’s what they think they need to build their own administrative resumes. It’s okay with them to turn the educational part into junk, since they themselves hold education in contempt in the first place. Faculty hiring is dominated by cronyism, and the administrators themselves look and act more and more like glad-handing politicians. 2/3rd’s of the faculty was comprised of “part-timers.” They’ve found a way, while finding the money, to pay Ph.D.’s like graduate assistants, because they see that as helping the numbers. Say they don’t have the money, but then like to put up new buildings (in what are almost assuredly corrupt contracts). While tuition has spiraled out of control, the vast majority of Ph.D.’s in the most academic areas have found their prospects of fair pay have gone down and down, virtually ruining a generation of serious scholars. As in most things today, it’s become taken over by psychopathic crooks, who care not one wit about “education.”

    So, let’s not attack the serious scholars and academics, particularly in the humanities and traditional, non-applied sciences (I mean chemistry, physics, math; not dental assistance, programming, etc., but the more “academic” sciences). I actually thin majors like “Art History” deliver good educational values, even if not job training. You can actually tell the difference when you talk to seriously educated people. And companies used to want to hire these people, for all kinds of reasons. It just used to be possible to attain such degrees without any serious debt, and it should be now. In any case, the money isn’t going to working faculty, and they aren’t the one’s driving up prices or bringing in the unteachable hordes filling college class-rooms today. The crisis comes about more from CONTEMPT of education, viewing the degrees as merely currency for attaining more pay, “just a piece of paper,” something which doesn’t encourage otherwise intelligent students to study.

  • Roger

    I am a college professor at a public university. In my opinion, the biggest reasons for the exploding college costs are (1) cuts in state funding for higher education and (2) massively inflated administrations at universities. Every new administrator requires a high salary (typically much higher than a faculty member), support staff and a very nice suite of offices for him/her and his/her staff. This administrator and his/her staff may not even interface with faculty or students; for example “Dean of Outreach.” However, if they do interface with faculty or students, most likely they just create more work for them or more hurdles for them to jump through. Students are viewed as cash cows for the university and faculty are viewed as necessary evils or as serfs to bring in research funding (i.e. federal dollars) so that the university can collect overhead on their research grants. Visit a major university in the summer and observe that although most students and many faculty are gone (i.e. unpaid) for the summer, the entire administrative staff still hums along doing something and getting paid for it. A third reason for increased higher education costs is extra security costs in recent years, whether necessary or not. Not much can be done about (1) and (3), but the problem with (2) could be fixed.

  • Brian

    here is the real deal I wanted to go college since I didn’t have a real job after high school but it was way expensive
    even in 1986 so i joined the navy and went on the gi bill which latter it change over to post 911 I found out that I have a year remaing but the good news is that the school will cover the difference in debt load so there is no debt load
    but what am getting at that most middle class parents insits there kids to go college 99 precent have dreams of there kids of going to collge and not having dreams of there kids haveing sucesful jobs of any kind the colleges make it seem promising and dream like if you to there school you will be automatic employeed bull shit and any school that says you will have a job that is bull shit as well college is just an extension of highschool and 99 precent of kids don’t know nothing about debt mangement and just about everyone else in america dose not know anything about debt management well anyway am glad I neve fell into anytraps but there is a program that is called the 529 program in which is a investment program that helps with college ps there is no need to buy books 99 precent of everything is online if not the libary has something in place or amazon dot com but another problem is that the young kids live in fantasy world period

  • Joe

    Just like the insurance deal. Do away with loans and grants- prices will be controlled by consumer demand and purchasing power and prices will plummet.

  • http://www.marijuanaparty.ca Blair T. Longley

    The younger you are, the more you are being lied to, cheated and robbed by the political system you were born into.

    Consider the travesty of student “loans.”

    That money is created out of nothing, as debt, which enslaves the students for the rest of their lives.

    Meanwhile, as the economy of the USA is DELIBERATELY imploded, youth are still desperate to go to school, as the only thing they could reasonably expect to actually be able to still do …

    The USA became the victim of a hostile takeover by the international banksters. There has been a runaway destruction of the American economy for the last 100 years. Especially since 1971 total debts have gone UP at an exponential rate, since everyone is TRAPPED within the fundamentally fraudulent money-as-debt system, ruled by the FRAUD KINGS at the Federal Reserve Board.

    People work according the schedule of reinforcement during their lives. When the system gets sufficiently screwed up, people appear to become “lazy.” However,
    it is the system that the driving force here, throughout all of its aspects, like the profit from disease system, and the profit from junk food system, and so on and so forth, all of which are automatically getting worse and worse, faster and faster, and adversely affecting the youngest the most!

  • NatX

    Even my engineering degree from the U.S. Naval Academy is worthless. If I had it to do over, I’d have done something else, like law enforcement.

  • Ed

    If the worthless parents would have put money aside for their kids this would not be an issue. At least some are finally paying the price with their kids forced to move back in with them. However, it’s still a damned shame that the kids have to live this way.

  • D

    Is it any coincidence that the logical alternative is to sign up for the military!

    The dumbing down of our youth in this country has led to an endless source for the brain washing military to continue their incursions around the world as the great satan and bully of the world.

    The choice is: College and life long bondage to debt or the Military where they become biological drones and for those who see combat return with a 50% chance to commit suicide.

    Great choices, hey…

    • Piglet

      The military isn’t an option for most. News articles in the last year or two have highlighted that only about a quarter of the target age group is even eligible to enlist. The other 75% consists of those with criminal records, health problems, birth defects, drug users, alcohol abusers, those who can’t pass the relatively simply entrance exam, too overweight (have you looked around lately?), etc. Considering what I encountered for so many years in the military, it’s sobering to think those folks were representative of the top 25% of the country’s manpower.

  • wisefool

    We are being bombarded every single day via multiple methods (social engineering via television/electronic gadgets, secular “education”, chemicals, etc.) to not be capable of real critical thinking. Part of me wants to say it’s not the publics fault since there is a real and deliberate deceptive attack on humanity that forces them into slavery. Part of me wants to say it is. We can vote with our wallets.

  • http://TheRichDontPayTax.com/ John Gaver

    Kids today don’t realize what college is supposed to teach them. They mistakenly think that it’s supposed to teach them to do a particular job. WRONG! It’s to teach them to LEARN! My mother, who held a masters in education, told me that. A couple of high school teachers did, too. That fact served me well. But make no mistake. A college degree DOES help.

    When I graduated, my student loan debt was $6200, in 1975. Although my degree was in EE and I had made the Dean’s List, I couldn’t get a job in electronics, since Texas Instruments had just laid off about a thousand skilled engineers. Even so, in 2 years, my student loan debt was zero. I didn’t let the fact that there were no electronics jobs around get me down. In fact, I have never used the EE degree for anything except to be able to say that I have a degree of some sort. I skimped and saved and lived like a pauper for two years, while shagging service calls for a computer company (not electronics, but card swapping) and paid off the debt. The degree only came into play, a few years later, when I applied for a management job. Now pay attention. This is important. That job would not have been available to a non-degreed person. Also important is the fact that it was IT management – NOT electronics.

    The most basic equation in electricity is E=I*R and I have NEVER used even that simple equation in any job. I ended up running several large national IT departments and owned a few of my own businesses, including an IT consulting business, a printing and graphic design business and an import-export business. I retired at 50, though I still do some occasional copywriting (writing ad copy that sells). NONE of those jobs related to EE. But I would not have been able to get the start in IT management, that gave me the income to do the rest, without a degree in SOMETHING. End result: The degree paid off.

    They talk about kids who graduate college and end up being a waiter. So what’s wrong with that? If that had been my first job, then I would probably have ended up managing restaurants for a large chain and likely have ended up owning my own restaurant – probably several. The point is that the kids today, seem to think that they will get that big job in their chosen field, the day after they graduate and they implode, when that doesn’t happen. They don’t realize that all that college does is teach you to LEARN.

    It seems that one of the things that kids will learn from their college experience today, is how to balance a budget and pay off debts. Just a little research reveals that there is no reason for anyone to have more than about $20-25K in student loan debt. Not everyone has to go to Harvard or UT. So anything beyond that is just foolishness on the student’s part.

    But if student loan debt bothers kids today, I have a better suggestion. Join the US military. When you get out, you will have both a marketable skill AND the GI Bill, pay for your college. Or stay in the military and let them send you to school. A friend of mine earned two masters degrees, while in the USMC.

    There’s no excuse for these kids being in this predicament. It’s just a matter of overly high expectations and laziness. You’ll probably have to live like a pauper for a few years, to pay off that debt and you may not end up in your degreed field. But it is possible to pay off your student loan and make your degree pay off. It just takes a little common sense and sacrifice, early on. I have no pity for those kids. They made their choices and there is a way out. They just don’t want to make the sacrifice of living on the cheap and possibly working an extra job for a few years.

  • David Ferguson

    First the education is being over charged, the jobs aren’t there, so no demand, they are not getting the education they are paying for and the biggest crime of all, is the Progressive movement that is causing the problem, is going unchecked.

    • http://TheRichDontPayTax.com/ John Gaver

      I agree with a lot of what you say, David. But I disagree with your assertion that the jobs aren’t there. Last year, when all the Ocutards were claiming that there were no jobs, I was pretty sure that it was just that the jobs they “thought there degree entitled them to”, weren’t there. But I realized that I could be wrong about that, since I had been wrong once before. (That was when I thought I was wrong, when I wasn’t.) 8^)

      But all kidding aside, I decided to find out for myself if there were no jobs. I’m one of the most unemployable people in the USA. I’m a white male, over 60, who hasn’t held a real job in almost 15 years. I sent out one resume and had a 6-figure job working for a major engineering company within two weeks. As it turned out, the contract was canceled about two months later and my job went away. So I decided this would be a good way to prove that it wan’t a fluke. But since it was almost Thanksgiving, I decided to wait till after the first of the year to go for another job. I was involved in writing a book around the first of the year, so I didn’t submit a resume till March. Two weeks later, I was working again. Although I don’t need the work, I’m glad to be doing something productive, since I effectively retired almost 15 years ago.

      But the point is that if a white male, over 60, who hasn’t held a real job in almost 15 years can find, not one, but TWO jobs so easily, then there’s no %@#! excuse for some twenty or thirty something Ocutard not to have a job. Well, there is one thing that may be stopping them. They would have to do something totally foreign to most of them. They would have to actually bathe.

  • http://peaceinpower.org thefinancedude

    Look at a bar card of any member, what does bar stand for? Ask em for a license too!!!!

    Why do you also CROSS THE BAR in their courts? Has it ever dawned on anyone you are in a private system already, just that inside this private system everything is PUBLIC? Go into court and before you even establish status, ask the BAR status of the judge and prosecutor and ask how you could get a fair trial with the clear conflicts of interest, the court is stacked against you…

    That US isn’t a CORP – the organic de jure Congress walked out of session sine die, without quorum to close it. The de jure republic died March 27, 1861 – after martial law was invoked and the de jure government was no longer in charge, and after Lincoln couldnt UNDO what he did, the privateers and pirates came.

    It took a few more years of martial law after the war to get the new judicial district set up incorporated in the district of Columbia (y columbia btw?) and through all kinds of private contracts with that corp, they have captured every single state into the private federal system today.

    If the US isn’t a corp, how can it actually use legal tender laws when the founding document flat states the only medium of exchange is substance?

    Why do traffic courts routinely tell anyone walkign into that court of equity, GET THAT CONSTITUTION CRAP out of my court! (cuz it doesnt exist in THAT court fool! – WHICH court is THAT? – the rabbit hole is deep my friends)

    And why does your bank account have a FAKE SOLID LINE where you sign, with a small MP off to the right hand side, and when you get a magnifying glass out it says the words “authorized Representative” or “authorized signature” or something to that affect? I mean isn’t that YOUR name on the bank account, so why would they HIDE the authorized signature line when a BUSINESS check clearly displays its acting as an authorized party, not the original party?

    The business can’t sign checks only living people but “authorized rep” puts a legal barrier in place that YOU the living man aren’t the one acting, the business is through you – so why does your own bank account have this and its HIDDEN in front of you?

    Here is the bottom line with this corporate fraud.

    When you “borrow” money that doesnt exist (debt based, no substance) how does the accounting work? You borrow 100K for home, you get 100K cash which goes to the seller and then you owe bank 100K for borrowing the money right? One problem, you never borrowed the money… nope, sorry. wait till this sinks in and you realize you’ve never been paid in substance in your whole life.

    so that 100K, where does it come from? Promissory notes… which require a signature… your signature it he most valuable property you posses… well thumb prints are probably worth more, id say :)

    This promissory note is a security instrument governed under UCC/USC. Security instruments for the slow, are ASSETS. The bank gave me 100K in assets called cash and I created a 100K asset to cover it. Here is the con, the bank is the only one ALLOWED this privilege so you owe them the whole 100K you just created with your pen, and interest. I haven’t even touched the broken titles and possession laws and why foreclosure is totally illegal (they lack standing without the original note, of which you created, you are notemaker and holder in due course but through a switcheroo, you either surrender the promissory note to them in exchange for nothing or they capture it under the admiralty laws of abandonment). I can’t prove either but I can shut down any bank president in 2 minutes flat pointing this out try me.

    I’m getting long; look I just got out of the US this past weekend and no I didnt ask the masters permission, I took captured title to my estate/trust created upon birth and am in the process of collapsing the ces que vie trusts. I attended the foundational meeting for the Divine Province. On my way driving home from the conference I was stopped in Indiana by the most belligerent, unprofessional jackboot imposter officer I’ve ever met, he began the stop by opening my passenger side door and letting himself in… it didnt go well for him after that. It required two more officers, one of which was his boss and he had the pleasure of telling me when it was all over with, “finance dude” you are free to leave. Uh huh, His probable cause was as thin as the tint on my windows he wanted to whine about.

    I know what’s going on…

    Let me leave you with a powerful set of questions and perhaps you’ll wake a little more…

    When you are pulled over by police (80% for speeding, so lets tackle this) and you’ve messed up and are talking :) stop and ask him a question… mr/s police, under whose authority are you operating? s/he’ll say either the government or the Constitution or the State… it doesn’t matter which, cuz then you point out, where where does their power come from… and here is our payoff… the People. This is where you go… well, I AM the People and I am not about to allow you to use my own power against my will!

    OR

    Are you a sworn peace officer? Yes – what did you swear your oath to? The constitution of the United States, the State Constitution probably and maybe even municipal depending on location. Then you say, excellent, I ACCEPT your oath of office, I BIND you to it and I extend my sovereign immunity to carry out my lawful orders! do you understand? errr… .i dont… well where is speeding in the constitution which you swore an oath to uphold? WHere is the harmed or injured party? the State s/he will say, well that’s really me you just said remember, so if I’ve harmed my self I don’t need your help going after my self and harming my self again…

    I can do this for days… I know many who have been doing it for decades! It is pure fraud… philosophy isn’t needed here. Practice… practice this stuff and open up your heart to learn a new way, the way of peace.

    Wake up! YOU are the Kings and Queens of this land, you just dont know how to change your current position in this (chess) game because of all your contracts with this beast. I do, I did… go to peace with the ultimate war machine US INC.

    one peace

    • LaLa

      You are speaking way over some heads. Many people are still too entangled in the systems sticky web of lies and greed…and many do not want to be cut out of that web because at least they are apart of something. For those who may want out, what he said actually works.

    • RobertB

      A person would have a very difficult life attempting to function within society in the manner described. It sounds exhausting. Actually, if they still had insane asylums there would be a good chance the practitioner of ideas like this might qualify for permanent residence, and could argue to their heart’s content with others of their persuasion.

    • Thom Cat

      Hey, how can one get in touch with you? There are many of us versed in some of these matters, could always use an extra source for help and info. We pass on what we know, so as the futrue generations can educated themselves to the truth of the system and what they can do to counter these injustices.

  • http://www.chuckingcollege.com Melanie Ellison

    It’s time to achieve success without corruption. Colleges have attacked enough young people’s finances, faith, and fidelity. The soon-to-be-released book: Chucking College: Achieving Success Without Corruption will be a groundbreaking guidebook for young ladies. Visit http://www.chuckingcollege.com so sign up for the email notification of the release in a few weeks.

  • Me

    Oh by all means, GARNISH MY SOCIAL SECURITY to pay for it! Please!

    LOL!

    At least the money I pay into that… festering… thing… will buy me something if you do it that way…

  • Me

    Of course that young woman will probably deeply regret doing that later on in her life.

    No she won’t.

    Get serious.

    She’ll regret not being BETTER at it…

  • http://montanatruthseekers.wordpress.com/ Montana Jim

    Had I not received a full scholarship to college I would not have gone. I warned people against taking those loans. They all laughed in my face and told me I would think differently if I was in their position. I told them they did not have a clue what they were talking about. I would have been happing getting a job on a road crew or as a garbage man or a post office employe, and skipping college. My family pushed me into college and I was given a full scholarship so I could not complain. Now 10 years later I am still not in debt, I live on a tight budget but I am happy knowing that I can pay all of my bills. Everyone else I knew who laughed at me is now struggling to pay off student loans and rent. They would have been better off if they had listened to me. If I could afford to go to my high school reunion I would do that just to show them where I am at, but I don’t see that it is worth it considering being on facebook and other social networking sites are like the never ending class reunions.

  • PJ

    It’s possible to have some sympathy with kids caught in this scam years ago, but lately, no. It’s not like the warning signs have not been out there for a long time. It’s almost criminal negligence to ignore them.

    Look at the bright side. A very large number of people are learning a very important (and expensive) lesson: You have to look out for yourself. Having faith in government institutions to do that for you is madness. Government is not here for you; it is for those in government, and their cronies.

  • http://none Austin Jones

    Work for a few years after graduating from high school. A hitch in the military can get you college money (some of it), teach you a marketable skill, teach you some badly needed self discipline,be able to save some money, and basically turn you into a responsible adult.

    When you get out find a job and go to school part time. By that time you will know what you want to do with your life. Chances are, after doing all of the above you probably will not need nor be interested in wasting your time in what have become American idiot factories. The only time you might need to go to college is to learn something something specific to your profession in order to advance. College is downright overrated unless you want to become a doctor, lawyer, or something that specifically requires college. Other than that college is just a waste of time and (mostly taxpayers’) money

  • King

    Patrick Henry
    September 12th, 2012 at 10:20 am · Reply

    Anyone ever thought about this, that salves are fully employed.

    I would rather be poor, homeless but free any day over slavery.

    ****

    Patrick…..in reality and in fact, slaves are not employed…they are being bought…used….and exploited….

    They are also poor….homeless….

    Just a thought.

  • Oliver

    The responses from readers are interesting. I would like to stress that university education is not just a matter of more or less money, it is first of all educating yourself. Educating yourself with the help of professors. I have worked many years for the universities and I say the USA has very high level world class university professors. Monetarily the universities are racket; not only students are ripped off, but also taxpayers as the universities get a substantial public funding as well. This is a common trend with other areas of service (like health care for example).
    How to fight it? We need to fight for the opportunity to create competition. The current system is designed to fight and close down with regulations and accreditation systems any competition.

  • Greg

    We all may choices. There are numerous opportunities for good paying jobs and opportunities with or without a college degree. I have 20 employees with various degrees of education and what I value are skills. Some have degrees and some don’t. The ones with degrees aren’t necessarily the ones making the most.

    The issue is that many of our youth have the ridiculous expectation that they should pursue their hearts desire as a career choice. They need a dose of reality. Work should be hard. If not they’d call it play. Only a tiny fraction of people are born with those talents that make it easy for them to get paid for what they really like to do.

    I’ve told my kids to find a tough job that pays well. You can entertain yourself on the weekend. But then they will graduate with no debt. Had to make some sacrifices. Study hard and win some scholarships, live within their means. College is not 4 years of party for them.

    Winners make hard choices today so they’ll have options tomorrow.

    Losers lose and that is as it should be. There will always be serfs, because it’s about choices not opportunity. Waa, Waa, Waa.

  • Hey You

    Yes, I did learn a lot in my field of endeavor by taking 5 years to complete my engineering degree. Also, I was employable right then.

    However, with some of the stuff that now passes for “education”, it seems that being a gardener or janitor for four years rather than wasting those years in school is a significantly better career path.

  • Phillip

    Universities train people. It by no means educates them.
    those poor souls who are beholden to their debt? you’ve been royaly had by a scam that has been furnished by your own government.

    • Disenchanted, Esq.

      I think that’s a generous description. Universities, from my experience, don’t even train. In fact, if the focus of higher education would shift from this nebulous notion of “well-rounded academic education” to practical vocational training, the system might…MIGHT be less susceptible to the raping and pillaging we’re seeing now. If you don’t learn how to actually, you know, DO something, you don’t graduate.

      As it is, a student can float through 4, 5, 6+ years as “undecided,” imbibing the low-standard tripe that is “core curriculum” and racking up five and six figures worth of debt with nothing to show for it. Those years of indecision would have been better spent earning money while gaining marketable experience and developing a network of contacts in the “real world.” But it’s not socially proper to forgo entering college immediately after high school. So kids enroll with no clue and little/no practical life experience, and submit themselves to a live of indebtedness all for the sake of “experiencing” college life with their peers.

  • jamraqui

    As i looked at the pic at the end of the article of all those graduates, one word came to mind… “lemmings”… :-p

  • eve

    I work for a (fairly prestigious) university, and I see many, many students who should not be attending. They struggle with the coursework, they cheat and plagiarize, they don’t want to work hard, and they don’t really care about what they are studying. They are here because of the social pressure to have a degree from a good school, and the illusion that they will make good money someday. Not only are those lies, as we all know, but really, if they did get a shot at the big money jobs, they probably wouldn’t want to live the life it requires (long hours, always available, high stakes, corporate insecurity). A few generations ago, these students could have ended up working boring, unglamorous jobs in the trades or in factories, had a 40-hour set schedule, a nice middle-class life with vacations and hobbies to buoy them through the weekdays… but those jobs are gone. Chinese slaves are doing them 18 hours a day in hellish dormitory cities. My heart breaks for everyone, everywhere.

  • Lawdog

    The amount that is available for student loans is the basic problem with the system. When they increased the loan amounts from 11,500 to 18,500 per year back around 1992 – the first thing that happened was school’s increased their tuition – more money from the government for students meant they had more more to provide to the school for tuition. Try graduating from graduate school with over 75,000 in debt and only being able to find, if you’re lucky, a 35,000 a year job. What then occurs is the student loan debtor pays only a part of the interest each year and after several years of paying over 700 a month realizes that the debt has actually increased.

  • Natasha

    To be honest I have such a tremendous debt that it’s scary. At such point I’ve considered suicide to get rid of it and help my parents. I actually encourage suicide as a method to help the problem. Maybe with enough blood on these people hands they’ll understand that this system is broken. If enough people give up their lives maybe just maybe our deaths can mean something.

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  • Jess M.

    This article describes exactly what I’ve been through…..and where I am now. My name Jessica Marie Mallette and the Federal Goverment & (Sallie mae) have ruined my life. I’m 24 years old and theres no way I have a bright future ahead of me sooooo….thanks.

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  • Tommy

    America is not being run by the Congress or the President. It is being run by military spy agencies, private interest groups, Wall Street, and the US Military Industrial Complex. The Congress and the President are puppets. Our “leaders” operate a lawless state and obey no national or international law. They do not obey the Geneva Convention since they admittedly torture and murder hundreds if not thousands of innocent people. They don’t obey the Constitution since they are spying on all its citizens unilaterally without probable cause and against the Patriot Act. They don’t obey anything. They do what they want without fear or judgment.

    Just last week former President Jimmy Carter said: “The U.S. has no functioning democracy at this moment.”

    .

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    five year now, we were very happy together as husband and wife, but
    until he meant a lady called mercy, things automatically turn from good
    to bad, he no longer eat at home, he always come home late, he don’t
    even listen to me and does not even take me out as it was some time ago.
    i was so confuse and frustrated until i meant this lady called Kessiah
    that once had similar problem, i was force to tell her every of my
    problem, out of pity she told me about this dr nogema that helped her
    out, at first i thought it was one of those fraudsters until i met him
    and he solved my problem without stress, so my husband came back to me
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    sake of those people that has similar problem, so you can contact him
    (nogemaspelltemple@gmail.com) or call; (+2348164917868).

  • marian

    My name is Marian i am not suppose to be saying this but due to the ultimate role that nogemaspelltemple@gmail.com has played in my relationship with Philip my husband, me and Philip had been married for five year now, we were very happy together as husband and wife, but until he meant a lady called mercy, things automatically turn from good to bad, he no longer eat at home, he always come home late, he don’t even listen to me and does not even take me out as it was some time ago. i was so confuse and frustrated until i meant this lady called Kessiah that once had similar problem, i was force to tell her every of my problem, out of pity she told me about this dr nogema that helped her out, at first i thought it was one of those fraudsters until i met him and he solved my problem without stress, so my husband came back to me and things was as it was before. so i decided to testify to this for the sake of those people that has similar problem, so you can contact him (nogemaspelltemple@gmail.com) or call; (+2348164917868).

  • Johnny Elvis

    A MUST READ:

    Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) and be free from scams on the internet. they will never disappoint you.

  • mrs jane

    Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mrs Lily Brown loan company and be free from debts, Any interested clients should contact me Asap via Emai:(mrslilybrownco9@gmail.com) for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mrs Mrs Lily Brown

    BORROWER’S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Gender:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Loan Amount Needed:
    11)Loan Duration:
    12)Purpose of Loan:

    I will be looking forward to hear from you so as to proceed.

    Kind Regards
    Mrs Lily Brown

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