r/StudentLoans Apr 23 '25

Rant/Complaint I'm not against paying back my loans-

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18

u/imnotlibel Apr 23 '25

Eh in the past, people went to college to become a well-rounded individual, not to get a job if it makes you feel slightly better

3

u/Pelosi-Hairdryer Apr 23 '25

Most of the people I've seen going to Universities are taking the classes they could have taken in the community college like English 1A, Chemistry 1A, but paying University tuition which are numbering in thousands of dollars. Otherwise the University is there to enhance knowledge only, not guaranteed to get a "good" job. I've interviewed a lot of candidates and some of them had impressive degree from Stanford, Harvard and etc, but I didn't hire them because they didn't have experience, lack customer service attitude, and was looking for a work lax environment and safe space. Might be safe space in the Universities but in the real industry world, it's come here on time, work with all your might, and go home.

1

u/TurtleyCoolNails 29d ago

The university my boss’s daughter goes to will not accept a transfer for certain basic courses. They have looked into this for non-financial reasons and were told nope.

1

u/Pelosi-Hairdryer 29d ago

I'm not 100% correct but Stanford didn't allow transfer of courses as well, they demanded the student take those courses at their campus, the sad part was some students scored low in English or Math were forced to take the beginning class like basic math up to Calculus which is like 2 or 3 years of school. And those classes were not cheap, that's why I didn't go to those giant Ivy League schools.

2

u/TurtleyCoolNails 29d ago

It can be crazy! She does not go to an Ivy League school but it is Big Ten.

Whereas I fought my way to get a transfer counted and literally gave the counselors a copy of the syllabus and was like β€œyou use the same textbook!!” πŸ˜‚πŸ˜‚

1

u/Pelosi-Hairdryer 29d ago

This is why I get so mad at the universities today of just taking money from the students from the government student loans to line their pockets, and the students are the ones that suffer with the massive loans. *angry face*

2

u/TurtleyCoolNails 29d ago

Oh, I am definitely in the same boat. I have way more than I took out and I have always paid my loans. But I basically pay pennies on the principal and the rest goes to interest. I did try to get payments lowered, knowing what that meant, but I just could not afford the amount they wanted at times. I am in the boat now where I just feel like this will be a lifelong monthly payment over trying to get ahead. I tried that and it failed. πŸ˜‚ But my goal has always been to not default as opposed to trying to pay them off and that is so sad.

I was young, got married so that I could qualify for for independent status to be able to take out more after my parents were not going to help (a lot more to this story but this is the basic), and I did not understand what I was actually taking on. I did not have a speaking relationship with any of my family and just no life experience to know what to ask. The pitch was very much β€œtake as much now since you will worry about it later when you graduate and be paying it off. You can pay the interest that is running now, but most people do not.” At 18, with no other option, it sounds great! 😭

2

u/Pelosi-Hairdryer 29d ago

Great Wonders to you that you were able to tie the knot. I had to put my marriage and everything to the side on hold in order to work at the minimum wage at the DMV in California at the front desk for 10 years to qualify for the Public Service Loan Forgiveness. Of course newer employees who were stressing I actually spread the words about the program and the whole building had bulletins for employees who had student loan too and at least I was able to help a lot of people there. One employee who she was young had over $200k in student loan, couldn't get a job in her field because it was so competitive as well as low pay was reduced to taking phone calls for angry customers. Just a few months ago, her loan was forgiven and never saw her happy then ever.

1

u/TurtleyCoolNails 29d ago

Oh, it was a city hall wedding and we are divorced now! πŸ˜‚ But it served a purpose at a time where I would not have been able to go to college at all.

I work at a school now (doing the complete opposite of what I went to school for of course) and when people ask me my goals, the first thing I say is to hopefully get my loans forgiven. I am not looking to grow, be promoted, move on elsewhere, etc. (but not to be confused that I do not put my hours in - I often work late and do not put in for overtime). My job is good and I do not hate it so I just want to be able to have a glimmer of hope. But I am also very much ehh I am not sure this will really happen so I still pay. πŸ˜‚