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niecy
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Posted: Jan 18 2013 at 1:56pm |
iGotSunshine wrote:
babyk94 wrote:
Do you guys think people should be on welfare for their whole life? I always thought there should be some type of program or something to help people gradually be able come of it and support themeselves but, idk. That would be really expensive. |
There is a limit.
There is a program. Right now it in the beginning stages and is geared towards the elderly and disabled on section 8.
They are helping them own property in nice neighborhoods.
My aunt just bought a house in a nice neighborhood for 92k with the help of Section 8.
All she had to do was raise 5k for the downpayment and each month she has to put $100 into an escrow account that cannot be touched. The money can only be used for repairs on the house. (ie a plumbing problem or whatever)
I think this a good thing. It breaks the cycle of poverty, locates them to better neighborhoods and they have something to leave to their children/grandchildren.
They also had to go to 4 classes to learn how to be a responsible homeowner etc..
Also it's sad that you all think the majority on welfare are just sitting on their ass. That's so not the case. My mommy works in social services. Many are people with little to no education working minimum wage jobs and need the extra help.
Having them line up for rations? Really? You think they get paid leave? Most of them will be at work. They cannot leave a minimum wage job to stand in line for food. Many of them work just like many of you work.
It's sad that you all have bought into the elitist view of what welfare is. |
I hope this plan works out especially since, atleast down here in Florida, you have alot of neighborhoods trying to find any and every way to stop people that are on section 8 from being able to move into their neighborhoods.
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Flowing-Ice
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Posted: Jan 18 2013 at 1:57pm |
ThoughtCouture wrote:
Flowing-Ice wrote:
ThoughtCouture wrote:
Flowing-Ice wrote:
do i really care if they pay it back? as an individual... no.
but as a system who knows this is a flaw, and that this flaw has led us as a nation into trouble before... yeah i care.
this isn't just one person doing this. its happening on a large scale.
so yeah... i will be concerned about you taking loans for no reason. |
and that's my point. i do NOT think non repayment is overly taxing the system. it's VERY hard to pull off you literally have to be on some ghost face shyt. overally, student loans stimulate the economy more than anything else...so ummm...yeah.... |
stimulation of the economy by borrowed money is stimulation.
but it is BAD stimulation. its unsustainable. |
again, i do NOT believe non-repayment of student loans is overly burdensome to the system. and as some have tried to point out again and again...it's not like you can REALLY ball out of control....there are tuition/cost of living caps.
it's not the same as the mortgage bubble... |
i don't think people are going to make rap videos with their refund checks. but im calling it how it is, wasted funds is waste funds. if the grants aren't helping students take out less loans, then we need to rethink somethings.
all bubbles are bad. because once one bubble starts, it facilitates another. our economy is intertwined.
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ms_wonderland
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Posted: Jan 18 2013 at 1:59pm |
Flowing-Ice wrote:
ms_wonderland wrote:
Who is taking out loans for no reason? You're not getting a dime unless you're taking a certain # of classes and your grades stay up. There's only so many ppl who can continue to take advantage of the system. |
have you ever spent money from refund checks on luxury shoes clothes/hair? how many people that you know do this?
you don't have to answer me, but thats your answer. its on a large scale, no denying that. along with other issues in the school system itself, its time we rethink the way we go about where we put our funding. | No...last semester I got back 200 dollars and after paying for books I ended up paying out of pocket. Won't be the last time. I took one less class this semester so I'd get more of my loan money back and that's going twds book, gas, and train. Some ppl do take advantage but not enough to get rid of the program. They can only keep receiving money if they stay off academic probation so if they're buying hair or handbags that's their biz.
Edited by ms_wonderland - Jan 18 2013 at 2:00pm
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Flowing-Ice
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Posted: Jan 18 2013 at 2:01pm |
im not saying boot the program AT ALL. more like restructure.
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stardaqueenb23
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Posted: Jan 18 2013 at 2:01pm |
Midwest_Da_Gawd wrote:
Smh student loans are for suckas anyway.
I tell these lil Brothas all the time, if you aint got no scholarship to the university don't waste your time and money. You can start off at a junior college and transfer later. Brothas love to make sh*t unnecessarily hard for themselves.
But of course, that's only if you even want to go to college in the first place. *sips Kool Aid*
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Most Junior colleges are expensive as hell these days, especially the for profit institutions. If you do not know exactly what college you are transferring to a lot of those credits are non transferable. I missed deadlines in High school to apply to my college of choice so I went to a "junior" college for a year and a half. When I transferred my 70+ credits they only accepted 15. That "junior" college cost about only 2k less a semester than the private top ranked Jesuit University I attended when I left.
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Midwest_Da_Gawd
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Posted: Jan 18 2013 at 2:02pm |
ThoughtCouture wrote:
Midwest_Da_Gawd wrote:
Smh student loans are for suckas anyway.
I tell these lil Brothas all the time, if you aint got no scholarship to the university don't waste your time and money. You can start off at a junior college and transfer later. Brothas love to make sh*t unnecessarily hard for themselves.
But of course, that's only if you even want to go to college in the first place. *sips Kool Aid* |
how much is jr college these days? |
Of course it varies. When I went I never spent more than $1,200 a semester. Full time.
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ms_wonderland
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Posted: Jan 18 2013 at 2:02pm |
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To add...my opinion used to be like flowings when I was younger and didn't even qualify for aid bc of my mothers income and even times bc of my own. I also didnt have any grown up responsibilities. The real world will learn you.
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SamoneLenior
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Posted: Jan 18 2013 at 2:02pm |
ms_wonderland wrote:
To add...my opinion used to be like flowings when I was younger and didn't even qualify for aid bc of my mothers income and even times bc of my own. I also didnt have any grown up responsibilities. The real world will learn you. |
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ThoughtCouture
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Posted: Jan 18 2013 at 2:03pm |
maysay1 wrote:
ThoughtCouture wrote:
and that's my point. i do NOT think non repayment is overly taxing the system. it's VERY hard to pull off you literally have to be on some ghost face shyt. overally, student loans stimulate the economy more than anything else...so ummm...yeah.... |
It's not non-repayment in and of itself that's the problem. It's the fact that because there's such high unemployment coupled with student loan debt. People can't afford to pay their student loan debt AND be the type of consumer the economy needs to survive.
And because so many people are now in the situation where they will have to default on their student loans, we're on the precipice of a student loan crisis that will be just like the mortgage crisis. And just like the mortgages, the banks will make out with huge profits and all we'll end up with is f*cked up credit and even less ability to care for ourselves.
It's really sad that we keep allowing the banks and the 1% to do this to us...but some people are waking up to what's really going on. Hopefully we all do before it's too late.
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but of course...however, that wasn't the argument i was making. you and me are typically >here< when it comes to banks and the bs they have been and will continue to be on.
but let's make no mistake about it. student loans are a win win for the BANKS.
to act as though financial aid packages should consider loans first THEN grants is ridiculous. this would mean the person would have MORE loans at the end of the day than they would if the grant was in there.
if the issue is that the tutition/cost of living calculations need to be reviewed so be it...i'm all for that...but under the premise that it will keep young people from being unnecessarily bogged down in debt...NOT that it will save the tax payers a few coins...
Edited by ThoughtCouture - Jan 18 2013 at 2:08pm
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ms_wonderland
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Posted: Jan 18 2013 at 2:04pm |
Flowing-Ice wrote:
im not saying boot the program AT ALL. more like restructure. | I get it...restructure so that only tuition is paid. That's cool but there's more cost to goin to school than tuition. Everyone doesn't have family support or decent employment.
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