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> also which a school can do little to help with. I think I disagree with you there. Debt - Schools could do better at financial assistance and in helping stu

> also which a school can do little to help with. I think I disagree with you there. Debt - Schools could do better at financial assistance and in helping students better manage their finances. Relationship/mental issues - Schools could provide or increase their access to counselors/therapists. Peer mental health support is also becoming an attractive option. All of this being said, I'm not arguing that schools should help with these issues, rather just pointing out that there are solutions out there.

paulie_a 8y ago
I had a financial counselor at my college suggest I a put the last semester on a credit card. Fuck that woman, she is terrible person for even suggesting that. I dropped out in my final semester and quite frankly it hasn't mattered. College is insanely expensive, and at the end of the day for some careers is a waste of time.
- scarface74 8y ago
  Why is that a bad idea? You can get rid of credit card debt by filing bankruptcy, you can't get rid of student loan debt.
  - paulie_a 8y ago
    Because I didn't want to add more any more debt. And quite frankly at the time I figured anyone I would would want to work for would not care...sure that piece of paper on the wall is cute but it's a meaningless trophy after a while. What have you actually done and how can operate in a team environment is more important The "prestige" of the degree. Meh
    - scarface74 8y ago
      She isn’t a “terrible” person for suggesting it. It was the most logical thing for her to suggest knowing statistically the lifetime salary outcome for someone with a degree vs. no degree. Her job is to give general advice that works for “90% of the people 90% of the time”.
      - michaelt 8y ago
        It was the most logical thing for her to suggest That's far from obvious without knowing the specifics of the case; putting $25,000 of tuition on a credit card with a 24% APR, could get mighty expensive. A student might be better advised to take a leave of absence, or finish up their degree part-time, or transfer to a less expensive or in-state school.
        scarface74 8y ago
        - Yes. But if it gets to onerous. There are ways to get out of credit card debt - see above. There is no way to get out of student loan debt. - most colleges don’t take transfer credits for junior/senior level classes - even if you go part time, most schools charge fixed fees per quarter + per credit hour. That would make it more expensive.
- learc83 8y ago
  A degree vs no degree for 1 semester's tuition? Yeah I'd advise most people to put it on a credit card too if that was the only option. Over your lifetime, it will matter to the vast majority of people. For 1 semester's tuition, it's worth it just to get past HR filters.
  - paulie_a 8y ago
    Life happens and honestly I didn't give a shit about finishing up at 36 years old. The shiny degree wouldn't have made a difference in my life. And after helping in the hiring process and reading countless resumes I don't even skim the education section. I am not going to be impressed by the diploma. I will be impressed by relevant factors related to working with you. And seriously, trying to convince a college student to drop 30k on a credit card is awful.
    - Waterluvian 8y ago
      ...what!? A semester was 30k USD? My entire two degrees was maybe 25k CAD. Why would anyone ever in the right mind even try to go to school if it costs that much? Surely you meant 3k. You can't possibly get a credit limit for 30... Good God I hope not... Can you?
      - jjjensen90 8y ago
        A semester at any old American university could be $30k, especially for out of state tuition. It's pretty easy to get $30k+ credit limits, I have two cards with over $40k limits (I do points milling/never carry a balance). If I were to max my total credit limit on all cards and pay minimum payments it would take 86 years to pay off.
        learc83 8y ago
        >A semester at any old American university could be $30k, especially for out of state tuition. For public schools the average out of state tuition is about $10k. The absolute highest is $23k. In state is much cheaper on average. For private schools, $30k a semester is sticker price at an expensive school. Very few college students can get limits that high. > If I were to max my total credit limit on all cards and pay minimum payments it would take 86 years to pay off. Most large credit cards charge accrued interest for the month plus 1% of balance (once your balance gets above a certain amount). It wouldn't take anywhere near 86 years for the majority of credit cards.
firic 8y ago
why should a college offer therapists? that is not their job. a college should have a medic for emergencies and for all other things the student can go to a doctor's office that specializes in their issue
- epmaybe 8y ago
  And why is it a college's "job" to have a medic for emergencies? Isn't that what emergency rooms are for, along with ambulances? It seems as if your opinion is that a college should have a baseline minimum for protecting students. Some think that minimum should encompass mental health, or financial education.
  - firic 8y ago
    Are you being serious? Ambulances cannot arrive before in house medics. There are many cases where someone could have been saved if cpr or bandaging started before the ambulance arrived. I don't know of any case where someone was so suicidal that they needed to talk to someone (and wanted to) immediately or else they would commit suicide. Psychiatry and financial education is not an emergency service that is needed immediately. That would be like offering cancer treatment at the university. If someone has cancer and they need treatment they should go to the hospital.
    - majewsky 8y ago
      Would you agree that every apartment block should have their own medic on duty then?
      - firic 8y ago
        that would depend on the size of them. typically colleges have large campuses with lots of people "doing" stuff there. in apartments they are not so full in the middle of the day and during the night, not much happens. if however it was a big apartment complex with a doorman and elevator operator then they should have some medical person on call. in my synagogue we have a first aid kit and during large prayers there is someone who knows how to use it. that seems like a good idea
RobertRoberts 8y ago
>Debt - Schools could do better at financial assistance and in helping students better manage their finances. That's not what I meant, I mean there are students that spend all their "loans" on video games and entertainment instead of on living expenses and school, so no matter what the school does to help, the student will screw this up. Can't blame the school for irresponsible students. I have had a couple of homeless kids, yes friggin homeless kids, and one turned into rockstar. The only reason he could even attend was because the school made every student have a laptop (they provided, with full software and support) There is money available to everyone, and there's only so much you can do to help people. Sometimes letting them fail instead of propping them up is what is actually good for them. As like many other's here, I failed at the beginning, and learned a lot from that failure.

paulie_a 8y ago

I had a financial counselor at my college suggest I a put the last semester on a credit card. Fuck that woman, she is terrible person for even suggesting that. I dropped out in my final semester and quite frankly it hasn't mattered. College is insanely expensive, and at the end of the day for some careers is a waste of time.

scarface74 8y ago
Why is that a bad idea? You can get rid of credit card debt by filing bankruptcy, you can't get rid of student loan debt.
- paulie_a 8y ago
  Because I didn't want to add more any more debt. And quite frankly at the time I figured anyone I would would want to work for would not care...sure that piece of paper on the wall is cute but it's a meaningless trophy after a while. What have you actually done and how can operate in a team environment is more important The "prestige" of the degree. Meh
  - scarface74 8y ago
    She isn’t a “terrible” person for suggesting it. It was the most logical thing for her to suggest knowing statistically the lifetime salary outcome for someone with a degree vs. no degree. Her job is to give general advice that works for “90% of the people 90% of the time”.
    - michaelt 8y ago
      It was the most logical thing for her to suggest That's far from obvious without knowing the specifics of the case; putting $25,000 of tuition on a credit card with a 24% APR, could get mighty expensive. A student might be better advised to take a leave of absence, or finish up their degree part-time, or transfer to a less expensive or in-state school.
      - scarface74 8y ago
        - Yes. But if it gets to onerous. There are ways to get out of credit card debt - see above. There is no way to get out of student loan debt. - most colleges don’t take transfer credits for junior/senior level classes - even if you go part time, most schools charge fixed fees per quarter + per credit hour. That would make it more expensive.
learc83 8y ago
A degree vs no degree for 1 semester's tuition? Yeah I'd advise most people to put it on a credit card too if that was the only option. Over your lifetime, it will matter to the vast majority of people. For 1 semester's tuition, it's worth it just to get past HR filters.
- paulie_a 8y ago
  Life happens and honestly I didn't give a shit about finishing up at 36 years old. The shiny degree wouldn't have made a difference in my life. And after helping in the hiring process and reading countless resumes I don't even skim the education section. I am not going to be impressed by the diploma. I will be impressed by relevant factors related to working with you. And seriously, trying to convince a college student to drop 30k on a credit card is awful.
  - Waterluvian 8y ago
    ...what!? A semester was 30k USD? My entire two degrees was maybe 25k CAD. Why would anyone ever in the right mind even try to go to school if it costs that much? Surely you meant 3k. You can't possibly get a credit limit for 30... Good God I hope not... Can you?
    - jjjensen90 8y ago
      A semester at any old American university could be $30k, especially for out of state tuition. It's pretty easy to get $30k+ credit limits, I have two cards with over $40k limits (I do points milling/never carry a balance). If I were to max my total credit limit on all cards and pay minimum payments it would take 86 years to pay off.
      - learc83 8y ago
        >A semester at any old American university could be $30k, especially for out of state tuition. For public schools the average out of state tuition is about $10k. The absolute highest is $23k. In state is much cheaper on average. For private schools, $30k a semester is sticker price at an expensive school. Very few college students can get limits that high. > If I were to max my total credit limit on all cards and pay minimum payments it would take 86 years to pay off. Most large credit cards charge accrued interest for the month plus 1% of balance (once your balance gets above a certain amount). It wouldn't take anywhere near 86 years for the majority of credit cards.

firic 8y ago

why should a college offer therapists? that is not their job. a college should have a medic for emergencies and for all other things the student can go to a doctor's office that specializes in their issue

epmaybe 8y ago
And why is it a college's "job" to have a medic for emergencies? Isn't that what emergency rooms are for, along with ambulances? It seems as if your opinion is that a college should have a baseline minimum for protecting students. Some think that minimum should encompass mental health, or financial education.
- firic 8y ago
  Are you being serious? Ambulances cannot arrive before in house medics. There are many cases where someone could have been saved if cpr or bandaging started before the ambulance arrived. I don't know of any case where someone was so suicidal that they needed to talk to someone (and wanted to) immediately or else they would commit suicide. Psychiatry and financial education is not an emergency service that is needed immediately. That would be like offering cancer treatment at the university. If someone has cancer and they need treatment they should go to the hospital.
  - majewsky 8y ago
    Would you agree that every apartment block should have their own medic on duty then?
    - firic 8y ago
      that would depend on the size of them. typically colleges have large campuses with lots of people "doing" stuff there. in apartments they are not so full in the middle of the day and during the night, not much happens. if however it was a big apartment complex with a doorman and elevator operator then they should have some medical person on call. in my synagogue we have a first aid kit and during large prayers there is someone who knows how to use it. that seems like a good idea

RobertRoberts 8y ago

>Debt - Schools could do better at financial assistance and in helping students better manage their finances. That's not what I meant, I mean there are students that spend all their "loans" on video games and entertainment instead of on living expenses and school, so no matter what the school does to help, the student will screw this up. Can't blame the school for irresponsible students. I have had a couple of homeless kids, yes friggin homeless kids, and one turned into rockstar. The only reason he could even attend was because the school made every student have a laptop (they provided, with full software and support) There is money available to everyone, and there's only so much you can do to help people. Sometimes letting them fail instead of propping them up is what is actually good for them. As like many other's here, I failed at the beginning, and learned a lot from that failure.