4 ms·

Kids are heavily pressured to go to college. Some kids are in fact under the threat of going to college or getting kicked out of their home at 18. That kid does

Kids are heavily pressured to go to college. Some kids are in fact under the threat of going to college or getting kicked out of their home at 18. That kid doesn't really have a "choice". They can't live off the minimum wage jobs that are the only thing they qualify for (and this assumes they'd be hired). As a bonus, the loans you're able to get depends on the income of your parents despite you being an "adult" and regardless of whether your parents help or not. You can end up with a ton of student loan debt without being irresponsible. We are treating 18 year olds as "adults" only as long as it's convenient. The world is a very hard place to live in and we do very little to prepare 18 year olds for adulthood. Can't get a job or afford a place to live on their own. God forbid they make a mistake. It's cruel and predatory to give them loans they'll be stuck with for the rest of their lives unlike any other type of loan.

notch656a 4y ago
- AMerePotato 4y ago
  Nah, the changes made today are a decent start. I'm glad moving out at 18 and working a minimum wage job worked well for you. It works out alright sometimes but I wouldn't want that for my kids
  - notch656a 4y ago
    The changes made today are a decent start to preparing 18 year olds for adulthood? Can you explain how?
    - AMerePotato 4y ago
      I didn't say it's preparing them for adulthood. It's a start in preventing predatory lenders from trapping 18 year olds in loans they'll never get rid of.
      - deleted 4y ago
        [deleted]
      - notch656a 4y ago
        >I didn't say it's preparing them for adulthood. Thanks. > It's a start in preventing predatory lenders Doesn't loan forgiveness just encourage MORE lending? Does a rational person base their lending decisions on a chance of politically precarious one-off presidential forgiveness? >trapping 18 year olds in loans they'll never get rid of. Should we cancel child support debts for any 18 year old who knocked up a girl after she begged for it? Just trying to figure out when 18 year olds are allowed to be held responsible for their debts. A child is also a big gift and investment worthy of society investing in, so if education is worth society paying for without 'trapping' the 18 year old, then we can also excuse 18 year olds of 'predatory' child support. ---------- RE (below): I can't help comment on the drop-dead-laughing hilariousness of suggesting these federal loans are 'predatory' while simultaneously you denied my suggestion that we eliminate this 'predatory' loan program. You want to perpetuate a program you find 'predatory' and possibly 'malicious' while encouraging EVEN MORE lending. Your refusal to consider cancel the debt of a guy who gets 'trapped' by a voluntary decision with a baby mama shows this has nothing to do with cancelling the poorly counseled debt of 18 year olds and everything to do with pandering to your favored group at the cost of the blue collar worker and his family.
        AMerePotato 4y ago
        > Doesn't loan forgiveness just encourage MORE lending? Does a rational person base their lending decisions on a chance of politically precarious one-off presidential forgiveness? The average person has more loans than were forgiven and the plan included more than just forgiveness. Again, it's a start. > Should we cancel child support debts for any 18 year old who knocked up a girl after she begged for it? Just trying to figure out when 18 year olds are allowed to be held responsible for their debts. A child is also a big gift and investment worthy of society investing in, so if education is worth society paying for without 'trapping' the 18 year old, then we can also excuse 18 year olds of 'predatory' child support. You're taking this to the extreme position that I want us to hold 18 year olds responsible for nothing ever. Also you seem to not understand that malicious contracts exist or that they can be invalidated even when signed. Maybe you just don't believe it's predatory in this case. IDK. Anyway, I refuse to entertain that student loans are comparable to child support so I'm done here.
RhysU 4y ago
> The world is a very hard place to live in and we do very little to prepare 18 year olds for adulthood. Financially coddling those 22+ is doubling down on failing to prepare them for the future.
- AMerePotato 4y ago
  22+ wasn't mentioned in the quote...?
  - RhysU 4y ago
    18 years old plus 4 years of college.

notch656a 4y ago

AMerePotato 4y ago
Nah, the changes made today are a decent start. I'm glad moving out at 18 and working a minimum wage job worked well for you. It works out alright sometimes but I wouldn't want that for my kids
- notch656a 4y ago
  The changes made today are a decent start to preparing 18 year olds for adulthood? Can you explain how?
  - AMerePotato 4y ago
    I didn't say it's preparing them for adulthood. It's a start in preventing predatory lenders from trapping 18 year olds in loans they'll never get rid of.
    - deleted 4y ago
      [deleted]
    - notch656a 4y ago
      >I didn't say it's preparing them for adulthood. Thanks. > It's a start in preventing predatory lenders Doesn't loan forgiveness just encourage MORE lending? Does a rational person base their lending decisions on a chance of politically precarious one-off presidential forgiveness? >trapping 18 year olds in loans they'll never get rid of. Should we cancel child support debts for any 18 year old who knocked up a girl after she begged for it? Just trying to figure out when 18 year olds are allowed to be held responsible for their debts. A child is also a big gift and investment worthy of society investing in, so if education is worth society paying for without 'trapping' the 18 year old, then we can also excuse 18 year olds of 'predatory' child support. ---------- RE (below): I can't help comment on the drop-dead-laughing hilariousness of suggesting these federal loans are 'predatory' while simultaneously you denied my suggestion that we eliminate this 'predatory' loan program. You want to perpetuate a program you find 'predatory' and possibly 'malicious' while encouraging EVEN MORE lending. Your refusal to consider cancel the debt of a guy who gets 'trapped' by a voluntary decision with a baby mama shows this has nothing to do with cancelling the poorly counseled debt of 18 year olds and everything to do with pandering to your favored group at the cost of the blue collar worker and his family.
      - AMerePotato 4y ago
        > Doesn't loan forgiveness just encourage MORE lending? Does a rational person base their lending decisions on a chance of politically precarious one-off presidential forgiveness? The average person has more loans than were forgiven and the plan included more than just forgiveness. Again, it's a start. > Should we cancel child support debts for any 18 year old who knocked up a girl after she begged for it? Just trying to figure out when 18 year olds are allowed to be held responsible for their debts. A child is also a big gift and investment worthy of society investing in, so if education is worth society paying for without 'trapping' the 18 year old, then we can also excuse 18 year olds of 'predatory' child support. You're taking this to the extreme position that I want us to hold 18 year olds responsible for nothing ever. Also you seem to not understand that malicious contracts exist or that they can be invalidated even when signed. Maybe you just don't believe it's predatory in this case. IDK. Anyway, I refuse to entertain that student loans are comparable to child support so I'm done here.

RhysU 4y ago

> The world is a very hard place to live in and we do very little to prepare 18 year olds for adulthood. Financially coddling those 22+ is doubling down on failing to prepare them for the future.

AMerePotato 4y ago
22+ wasn't mentioned in the quote...?
- RhysU 4y ago
  18 years old plus 4 years of college.