Then don’t get loans, and work for your money. I’m taking out zero loans and paying outright with no help of parents or outside sources. Education is a privilege not a right.
I hate to disagree with ya, Laiky cause I love you. But it’s not always that easy. My best friend in the world has had a job for nearly 3 and a half years and has saved every cent of her money for school and still had to take out loans. And right now she can’t afford to go to grad school, and her work is cutting back her hours. I’ve been working for 4 and a half years, have saved all my money and still need to take out a loan or two so I can stay in school.
The point is - school is outright way too expensive. I mean, my other friend’s school is nearly $40,000 for a year. And it’s all so we can sit in a room, and get lectured by a teacher. It’s a slight upgrade from high school and yet people are going into extreme debt over it.
Then go part time, or defer. Most schools have a deferment program. It might take longer, but if school is of high priority, than make it work. Sure, some schools could stand to be less expensive, but you can’t expect handouts.
Well, that’s the thing. No one is expecting handouts. And education is a right, one that everyone should have. Sometimes deferring is just simply not an option. My best friend took her first two years of college during high school - she saved money but that doesn’t make it easier. My first two years of college are paid for but I still have to take out loans.
And the thing about college is - if you don’t pay them outright on the due date - you get kicked out. You don’t get a grace period, that’s it you’re done. So people need loans to stay in school. A loan is an incredibly valid and smart way of going about paying for school. Almost 90% of people who go to college get them, hardly anyone (unless you’re rich) can pay outright. You could be saving for 10 years and STILL not have enough money to pay the college directly. But not everyone has the option of waiting 10 years to start going to school.
I’m extremely lucky and privileged to have parents and family that help me pay for school. I paid for a third of tuition my first two years and have been paying for all my textbooks (mind you, a whopping $400 for a semester). But not everyone has family that can help them like mine do. That’s what loans are there for - to help those of us who need help paying for school. Sure, if you can avoid them - good! But the point is, school shouldn’t cost as much as it does.
The access to education is a right, not education itself. If loans are no big deal, then why complain about the debt? You have to pay for the loans that you take out. If you don’t expect to pay them back, then that is expecting a handout.
I’m not rich, and I’m paying outright for tuition, books, and all the other random fees. I’m part time and I’m gonna end up taking about 6 years to get a BA, but I’m doing it because I don’t want loans and debts, and I don’t want my family having to take care of my education.
Deferment should never not be a possibility if the school offers it. It’s the student’s own choice if they don’t do it.
If loans are valid and smart, what’s the problem? I mean, like I said, sure, some schools could stand to be a little cheaper.
That’s your choice and that’s fine. But not everyone wants to spend 6 years devoted to their bachelors degree. And you can plan on getting out in 6 years all you want but to be honest it may take longer. Because it is also the truth that some people won’t even be able to finish their BA in 4 years doing full time - like I am. (I have to take an extra semester).
Why shouldn’t people be allowed to complain about their debt? Yes, loans are sometimes a necessity and no, it’s nothing to be ashamed of. But that doesn’t make it any easier. This photograph isn’t about a person expecting that they shouldn’t have to pay back their loans. They are upset that the cost of college is at such a high expense that they will be forced to pay it off for half their lives.
Deferment is a possibility. But if someone gets into the school of their dreams that just so happens to be out of their outright price range - they shouldn’t have to defer. They should be able to go right that second! They should not have to defer and defer and defer and defer until they manage to scrape up $50,000 for the year. If they want to go to that good school, they shouldn’t be shamed for taking out loans or complaining about the INSANE debt just because someone decided to take a different approach or because someone has more money than they do.
My point is. This photograph isn’t a statement about “we took out a loan that we didn’t expect to have to pay back, we want a handout.” This photograph is a statement towards how expensive schools are - because why on Earth does a school need to cost nearly $100,000? They are saying that education shouldn’t be a debt, and they’re right.
You’re plan works for you and that’s great! But not everyone can defer, not everyone has the money to pay outright, not everyone has family to help them, some people do have family to help them, some people go to a cheaper community college and some people got into the school they always wanted that does cost a lot more! Everyone’s situation is different and for you to say they shouldn’t complain, they should just do exactly what you’re doing or just not go to school or just defer - is like a smack in the face to them. It’s a smack in the face to people who work their fingers to the bone and can’t go to school, to people like me and my best friend who save all their money but still need to take out loans.
Things don’t always go like people plan. This person hates that school has to cost an arm and a leg and they’re making a statement. And you’re saying that they should just get over themselves and “work for their money”. When you don’t know how long or how hard they have worked for it. Your plan doesn’t work for everyone else.
That’s not what deferment is. Deferment is your school payment being spread out monthly (or however often any specific school has it set at) instead of all at once. My plan is the only plan in the scheme of things, really. Work for you money, go to school. If you have to take out loans, do it. But you know going in how much it’s going to cost. If you don’t like it, then don’t go to school. It’s as simple as that. If you want the schools to change, then do something about it. Standing in the street with a sign isn’t gonna get anything done.
My school is planned out for the most part. Unless I start going full time, which I might do in a couple of years, it will take me six years for a BA.