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Thank you for the input. It's interesting, and hey, it might be the case down the road. But my main philosophy behind my seemingly naive post is this: I don't m

by 50 7y ago

Thank you for the input. It's interesting, and hey, it might be the case down the road. But my main philosophy behind my seemingly naive post is this: I don't mind what happens. I'm of the opinion that it doesn't matter what is but how you think about what is that matters. Edit: I saw your edit, and again, thank you for your input. I would just like to note that I'll be graduating with ~12k in debt - I went to a community college first while living with my parents and transferred to a UC, and California's higher education system supports low-income, first generation households fairly well - to which I owe great gratitude to.

Cougher 7y ago
"I'm of the opinion that it doesn't matter what is but how you think about what is that matters." That's a false dichotomy that will be difficult to fully adhere to when you spend your next decades as an adult. Yes, perspective matters; a LOT. But "what is" and "what was" can matter a lot too. Imagining that you can just think your way out of hard spots can lead to complacency about the choices that you make. Keeping a positive perspective can involve an enormous amount of mental effort that may have been mitigated by better choices.
marktangotango 7y ago
You’re making choices for your future self that your future self probably won’t appreciate!
10000100001010 7y ago
I'm about to finish paying off about $65,000 dollars that I took out for my CS degree. I graduated 4 years ago and have a good paying job. So, I'm lucky to have to be paying it off early. However, even with my 6 figure income, paying off this large sum off money has been a huge burden and has majorly affected other choices in my life like investments, career (I.e. I had to take the high paying jobs), buying a house, etc etc. If I could go back and do it again I would avoid any student loans like the plague they are. Edit: just saw your edit reply to above edit :) that is much more reasonable than the situation that I put myself into. Still, I would recommend doing everything you can to avoid the debt. Paying back 1000's of dollars is a large burden.
- learc83 7y ago
  The $40k I had to pay back wasn't a burden to me at all because I went to a state school and took public loans. I had the option of an income based repayment plan too, so if I wanted to take a low paying jobs my monthly payment would have just dropped. The only reason it would have been a burden was if I felt like I had to pay it off in 4 years.
monoideism 7y ago
~12,000 isn't too bad. You also did the smart thing by going to community college first. So it's sounds like you're OK, or at least not financially ruined. Payments on $12,000 will be manageable. I'm mostly talking about the folks taking out $50-200,000 in loans for an undergrad degree with some random major (with the upper end of that scale obviously being much worse than the lower end).

by 50 7y ago

Cougher 7y ago

"I'm of the opinion that it doesn't matter what is but how you think about what is that matters." That's a false dichotomy that will be difficult to fully adhere to when you spend your next decades as an adult. Yes, perspective matters; a LOT. But "what is" and "what was" can matter a lot too. Imagining that you can just think your way out of hard spots can lead to complacency about the choices that you make. Keeping a positive perspective can involve an enormous amount of mental effort that may have been mitigated by better choices.

marktangotango 7y ago

You’re making choices for your future self that your future self probably won’t appreciate!

10000100001010 7y ago

I'm about to finish paying off about $65,000 dollars that I took out for my CS degree. I graduated 4 years ago and have a good paying job. So, I'm lucky to have to be paying it off early. However, even with my 6 figure income, paying off this large sum off money has been a huge burden and has majorly affected other choices in my life like investments, career (I.e. I had to take the high paying jobs), buying a house, etc etc. If I could go back and do it again I would avoid any student loans like the plague they are. Edit: just saw your edit reply to above edit :) that is much more reasonable than the situation that I put myself into. Still, I would recommend doing everything you can to avoid the debt. Paying back 1000's of dollars is a large burden.

learc83 7y ago
The $40k I had to pay back wasn't a burden to me at all because I went to a state school and took public loans. I had the option of an income based repayment plan too, so if I wanted to take a low paying jobs my monthly payment would have just dropped. The only reason it would have been a burden was if I felt like I had to pay it off in 4 years.

monoideism 7y ago

~12,000 isn't too bad. You also did the smart thing by going to community college first. So it's sounds like you're OK, or at least not financially ruined. Payments on $12,000 will be manageable. I'm mostly talking about the folks taking out $50-200,000 in loans for an undergrad degree with some random major (with the upper end of that scale obviously being much worse than the lower end).