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Re: College is a scam. Here are 15 facts.

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KFCTwig is not online. KFCTwig
Joined: 22 Jun 2014
Total Posts: 1707
07 Jan 2015 05:24 PM
#1 In 1993, the average student loan debt burden at graduation was $9,320. Today it is $28,720.
#2 In 1989, only 9 percent of all U.S. households were paying off student loan debt. Today, 19 percent of all U.S. households are.
#3 Young households are being hit particularly hard by student loan debt. In America today, 40 percent of all households that are led by someone under the age of 35 are paying off student loan debt. Back in 1989, that figure was below 20 percent.
#4 According to the Consumer Finance Protection Bureau, Americans owe more than a trillion dollars on their student loans.
#5 According to the Federal Reserve, the total amount of student loan debt has increased by a whopping 275 percent since 2003.
#6 Approximately 65 percent of all student loan debt is owed by those under the age of 40.
#7 The delinquency rate on student loans is currently 14 percent and it is steadily rising.
#8 The delinquency rate on student loans for students that attended a “for profit” college is an astounding 23 percent.
#9 Today, 34.9 percent of all student loan borrowers under the age of 30 are at least 90 days behind on their student loan payments.
#10 Since 1986, the cost of college tuition has risen by 498 percent.
#11 The cost of college textbooks has tripled over the past decade.
#12 The average cost of a four-year college education is projected to soar to $120,000 by the year 2015.
#13 Back in 1952, a full year of tuition at Harvard was only $600. Today, it is over $35,000.
#14 According to the Federal Reserve Bank of New York, approximately 167,000 Americans currently have more than $200,000 of student loan debt.
#15 At most U.S. colleges and universities, the quality of the education that you will receive is very poor. Just check out some numbers about the quality of college education in the United States from an article that appeared in USA Today….
-”After two years in college, 45% of students showed no significant gains in learning; after four years, 36% showed little change.”
-”Students also spent 50% less time studying compared with students a few decades ago”
-”35% of students report spending five or fewer hours per week studying alone.”
-”50% said they never took a class in a typical semester where they wrote more than 20 pages”
-”32% never took a course in a typical semester where they read more than 40 pages per week.”
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ADSFxXCharXx is not online. ADSFxXCharXx
Joined: 02 Oct 2011
Total Posts: 7961
07 Jan 2015 05:24 PM
what do you want to b when you grow up lel
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xMaleden is not online. xMaleden
Joined: 22 Dec 2010
Total Posts: 2542
07 Jan 2015 05:25 PM
A college degree is just a social contract. If you have one, employers are more inclined to pay you more/even hire you.
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Swordmaker is not online. Swordmaker
Joined: 06 Mar 2009
Total Posts: 13627
07 Jan 2015 05:26 PM
must be a pretty elaborate scam given that you can get some pretty nice jobs with slapping a college attendance additive on your resume lmao
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CommandoScrub is not online. CommandoScrub
Joined: 03 Jul 2014
Total Posts: 2552
07 Jan 2015 05:26 PM
what do you expect to get done in life without college unless you strike gold and make a successful business, invention, ect

rather be study something i enjoy and spend the rest of my life doing that

Scrub-a-dub-dub
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ferano is not online. ferano
Joined: 23 Nov 2008
Total Posts: 5094
07 Jan 2015 05:26 PM
Go to university. Quit whining. Get a scholarship.
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Sparing is not online. Sparing
Joined: 12 Jul 2011
Total Posts: 4254
07 Jan 2015 05:26 PM
i agree that the advice that every student needs to go to college, and that doing so will be definitely beneficial, is a bit outdated nowadays. but that's only the case if you major in something like art history or psychology, which both have very low return on investments. if you major in a STEM field, it's going to be noticeably beneficial for you, thus making it worth even the debt the majority of the time.
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KFCTwig is not online. KFCTwig
Joined: 22 Jun 2014
Total Posts: 1707
07 Jan 2015 05:26 PM
@xMaleden

If you're going to get a degree, and everyone else has a degree, what makes you so special?
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KFCTwig is not online. KFCTwig
Joined: 22 Jun 2014
Total Posts: 1707
07 Jan 2015 05:27 PM
"Go to university. Quit whining. Get a scholarship."


So stupid, I don't even know how to respond. Do you think it's easy as 123 to get a scholarship you idiot?
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CommandoScrub is not online. CommandoScrub
Joined: 03 Jul 2014
Total Posts: 2552
07 Jan 2015 05:27 PM
#13 Back in 1952, a full year of tuition at Harvard was only $600. Today, it is over $35,000.

yet again the value of the american dollar had more value back then

Scrub-a-dub-dub
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xMaleden is not online. xMaleden
Joined: 22 Dec 2010
Total Posts: 2542
07 Jan 2015 05:27 PM
It's like a clan obby; pass and you could do well.

But you can still be happy at the lowest rank.
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PerfectSpecimen is not online. PerfectSpecimen
Joined: 04 Oct 2008
Total Posts: 21078
07 Jan 2015 05:27 PM
you need it to get a good job regardless of how pointless it is
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ferano is not online. ferano
Joined: 23 Nov 2008
Total Posts: 5094
07 Jan 2015 05:28 PM
People with your logic won't get a degree therefore not everyone will.
Plus they don't accept everyone...
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ExoFall is not online. ExoFall
Joined: 29 Nov 2014
Total Posts: 5285
07 Jan 2015 05:28 PM
KFCTwig I 100% agree


Its a waste of time unless your pursuing a job that needs a degree

Otherwise you should learn a trade which you don't need college for or create your own business!
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Sparing is not online. Sparing
Joined: 12 Jul 2011
Total Posts: 4254
07 Jan 2015 05:28 PM
no, but it's true that if you intend on majoring in something dumb like women's studies, your job prospects aren't exponentially greater even with a college degree. yet people are lured into these low ROI studies and indebted, despite the fact that so many of them won't end up with jobs. majoring in something worthwhile like biology, math, or even political science would definitely be fruitful though.
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Pimperatos is not online. Pimperatos
Joined: 01 Sep 2012
Total Posts: 280
07 Jan 2015 05:28 PM
someone didn't learn about inflation in his finances class
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SODGG1AREAL is not online. SODGG1AREAL
Joined: 25 Jun 2009
Total Posts: 3660
07 Jan 2015 05:28 PM
im glad the u.s military pays for college

dont need to worry about student loans
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KFCTwig is not online. KFCTwig
Joined: 22 Jun 2014
Total Posts: 1707
07 Jan 2015 05:29 PM
@commando

Do you know how long it would take to make $35,000 dollars?

obviously you've never had a job

also, if you add interest, it would be well over $100,000 a year, who the hell has $35,000 just sitting there? and thats just only for one year
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ferano is not online. ferano
Joined: 23 Nov 2008
Total Posts: 5094
07 Jan 2015 05:29 PM
From this you can tell who has terrible marks and can't get into a university.
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Sparing is not online. Sparing
Joined: 12 Jul 2011
Total Posts: 4254
07 Jan 2015 05:29 PM
most people have access to a college, perhaps a community college, which is in fact pretty expensive albeit much less than an actual college, somewhere close to them even if their stats are absolute crap.
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KFCTwig is not online. KFCTwig
Joined: 22 Jun 2014
Total Posts: 1707
07 Jan 2015 05:30 PM
@Pimperatos

Someone didn't learn about interest in his finance classes
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CommandoScrub is not online. CommandoScrub
Joined: 03 Jul 2014
Total Posts: 2552
07 Jan 2015 05:31 PM
i never mentioned "lol money is easy 2 get"

i just said that the value of the us dollar was much more higher than it is now, hell we are behind the euro

a burger back then was .50 cents compared to the 3.00 you pay now

thats a increase of what, 500% increase?


Scrub-a-dub-dub
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2dWaifu is not online. 2dWaifu
Joined: 06 Nov 2014
Total Posts: 5143
07 Jan 2015 05:31 PM
[ Content Deleted ]
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AwesomeKillerKevin is not online. AwesomeKillerKevin
Joined: 11 Dec 2010
Total Posts: 16594
07 Jan 2015 05:32 PM
"It's like a clan obby; pass and you could do well.

But you can still be happy at the lowest rank."

xMald explained it perfectly..


My dad only went to college for 2 years.

He now works for a government company and gets paid 55 dollars an hour + benefits,

He gets to travel to foreign countries with US embassies and does technical hardware work on the computers, all paid free
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Sparing is not online. Sparing
Joined: 12 Jul 2011
Total Posts: 4254
07 Jan 2015 05:32 PM
i personally hope you guys aren't planning on majoring in something easy with little job prospects, ultimately fueling unemployment in a sense, by majoring in art history or communications for example. the student debt, in the trillions now, is crippling to the economy, and it's definitely not mitigated by the countless people majoring in low ROI majors.
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