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Saddled with college debt
washingtonpost.com ^

Posted on 03/17/2012 8:57:01 AM PDT by Sub-Driver

Saddled with college debt By Melissa M. Horton, Published: March 16

“You can go to any college you want.”

“You won’t have to pay for college.”

“You’ll have lots of scholarships and financial aid.”

These are just a few of the things my parents said throughout my childhood. I am a second-generation U.S.-born Latina. Growing up in the suburbs of Fort Worth, I was a straight-A student in Advanced Placement classes, with many civic activities on my resume.

At 17, I never could have dreamed that my parents’ promises were lies.

A decade-plus later, I, like many millennials, have more than $100,000 in student loan debt, most of which can be directly attributed to my parents’ unfortunate placement smack in the middle of the middle class and the fact that our family was uneducated about financing higher education.

My parents — a nurse and a police officer — were the first in their families to attend college, though Dad dropped out and joined the Marine Corps during Vietnam. Both baby boomers who attended state universities, they were ill-prepared for their two public-school-educated daughters to attend private universities that left us drowning in debt.

(Excerpt) Read more at washingtonpost.com ...


TOPICS: Culture/Society; News/Current Events
KEYWORDS: education; melissahorton; studentloandebt; studentloans
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Oh boo hoo..........
1 posted on 03/17/2012 8:57:04 AM PDT by Sub-Driver
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To: Sub-Driver

>>A decade-plus later, I, like many millennials, have more than $100,000 in student loan debt<<

That kind of answers itself — 10+ years in college? Get a job!

Oh, and any student debt forgiveness had better be retroactive to the mid-1970s.


2 posted on 03/17/2012 9:02:05 AM PDT by freedumb2003 (Spoiler Alert! The secret to Terra Nova: THEY ARE ALL DEAD!!!)
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To: Sub-Driver

I can’t afford college and it’s all (white people/racism/greedy bankers/sexism/homophobia/George Bush’s) fault.

America is such a terrible backwards place and I hate it.

etc, etc, etc, etc, etc.............


3 posted on 03/17/2012 9:02:16 AM PDT by Tzimisce (this sucks)
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To: Sub-Driver

Yes, and, like the majority of Americans for the last 40 years, your parents listened to the wrong people(nanny state, utopian democrats). There is no tooth fairy, or money tree. We have hit the wall.


4 posted on 03/17/2012 9:06:42 AM PDT by mtrott
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To: Sub-Driver

I have two kids in school, spending 1400-1600/ month on each with tuition management; no aid, no loans, no govt welfare. It comes out on the 10th of every month; actually a pretty good deal if you are the type of person that likes to not depend on the govt. Of course, we drive old vehicles, my favorite being a 1990 ford truck, live within our means, and not upset with college costs. People need to take a look at themselves.


5 posted on 03/17/2012 9:07:11 AM PDT by Eska
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To: Sub-Driver

She was LIED to! By her parents! Can you believe that she would castigate her parents in such a manner to make a point? It underlines the underlying aspect to this ‘letter’. She is just another Sandra Fluke...twisting and turning words to emphasize the ‘emotional’ and influence the politics of ‘gimme, gimme, gimme’.


6 posted on 03/17/2012 9:07:45 AM PDT by Dudoight
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To: Sub-Driver
I'm suppose to believe that top grades, advancement placement courses and a Latino name didn't get her any scholarships?

One possible explanation: Her SAT marks must have been horrible. I notice she didn't mention them

7 posted on 03/17/2012 9:08:01 AM PDT by CaptainK (...please make it stop. Shake a can of pennies at it.)
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To: Sub-Driver
.

.

An Unwise Latina

.

.

8 posted on 03/17/2012 9:09:51 AM PDT by Jeff Chandler (If my candidate doesn't win the nomination I'm going to kick my feet, cry like a baby, and stay home)
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To: Sub-Driver

Sneer all you want. Our economy is stilted by students suffocating underneath such huge loans which cannot be discharged even in bankruptcy court! We have Dumbo Dubya & the GOP Congress to thank for that bit of legislation in 05. Not to sound like a broken record but some of us on FR warned about that ill advised “gift” to the loan industry but were shouted down then. The chickens have come home to roost.

On the other side of the coin, taxpayers shouldn’t be completely on the hook for the student’s admitted stupidity. Loan “forgiveness” shouldn’t be painless. Bankruptcy must be initiated to get out of the loans.


9 posted on 03/17/2012 9:14:19 AM PDT by KantianBurke (Where was the Tea Party when Dubya was spending like a drunken sailor?)
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To: Sub-Driver

Sometimes life isn’t fair and your family doesn’t have extra money to send a kid to college.

I was in that situation when I was 17-yrs old. So I enlisted in the U.S. Army, and when I got out I used the G.I. Bill and my accumulated savings to pay for a university education. I also had two part-time jobs, working as a swing-shift custodian during the week, and at a car wash on weekends. It was hard work, but it can be done.


10 posted on 03/17/2012 9:15:11 AM PDT by 04-Bravo
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To: freedumb2003

Can I make an observation, which would get me flamed by liberals............

That $100K of debt didn’t just materialize overnight. It was accumulated over a period of years. She knew that as she went through school, year by year, that the cost and bills were adding up.

I don’t have the answer for this one girl. But clearly this girl needed a “mid course correction” as she was going through school.

Maybe she could have worked her way through school, as many have done before her.

Maybe she could have taken a semester or a year off, and worked, and saved the money for school.

Maybe she could have researched job fields and the appropriate education for some fields, and studied something which would have put her in line to get a decent job after graduation.

I don’t have the answers for this girl, but I do have a lot of questions that she should have been asking over the past ten years.


11 posted on 03/17/2012 9:15:57 AM PDT by Dilbert San Diego
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To: Sub-Driver

How sharper than a serpent’s tooth it is / To have a thankless child!—The Bard


12 posted on 03/17/2012 9:16:27 AM PDT by avenir (I'm pessimistic about man, but I'm optimistic about GOD!)
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To: Sub-Driver

Why would I give a flying flop about her? I put my self through college by working and doing a military tour to get the GI bill because my father couldn’t afford to help. My sons couldn’t get scholarships because they weren’t a minority and they were male (their counselors told them that)and what college credits they’ve earned they have done mostly on their own. Again, I don’t give a flying flop about your petty personal problems or delusions about who owes you what; the rest of us owe you NOTHING!

The line that really removed any consideration for the whiney bitch was referring to herself as a US born latina. She makes it clear that she considers herself hispanic first and American second, if at all.

Piss on her, her parents and any spawn.


13 posted on 03/17/2012 9:17:18 AM PDT by RJS1950 (The democrats are the "enemies foreign and domestic" cited in the federal oath)
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To: Sub-Driver

“At 17, I never could have dreamed that my parents’ promises were lies. “


good to know you consider your parents liars...my dad offered to do what he could to help pay my college but also said i was going to have to take out loans- which i did and paid back in full....


14 posted on 03/17/2012 9:17:18 AM PDT by God luvs America (63.5million pay no federal income tax then vote demoKrat)
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To: CaptainK

I knew some people in High School that had all A’s, but no problem solving skills. They were essentially hard working parrots. Just regurgitation of facts with no deep understanding.


15 posted on 03/17/2012 9:17:42 AM PDT by EEGator
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To: Sub-Driver

If you make even 20 grand a year, you can still pay off a student loan. You might have to move back home for a couple of years and it might be the only pleasure you have in life, but it can be done.

Give me a break.


16 posted on 03/17/2012 9:18:29 AM PDT by Jonty30 (What Islam and secularism have in common is that they are both death cults.)
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To: Dudoight
Can you believe that she would castigate her parents in such a manner to make a point?

That struck me as vile also. I guess that that there was no chance that her parents were misinformed, or that college costs have spiraled wildly out of control.

I only hope that the author just chose her words poorly, and doesn't really think her parents deliberately lied to her.

17 posted on 03/17/2012 9:22:13 AM PDT by Leaning Right (Why am I carrying this lantern? you ask. I am looking for the next Reagan.)
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To: KantianBurke

>>Sneer all you want. Our economy is stilted by students suffocating underneath such huge loans which cannot be discharged even in bankruptcy court! <<

Boo freaking hoo. They knew what they were getting into when they received the loans. How about getting a single degree, then a J-O-B? That is the way it used to be. Nowadays it is just like with this foolish girl: 10 years, 2 degrees, no skills, no job.

That is like fat people blaming the owner of the all you can eat buffet for their obesity.

And I repeat: any loan forgiveness had better be retroactive to the 1970s.


18 posted on 03/17/2012 9:22:49 AM PDT by freedumb2003 (Spoiler Alert! The secret to Terra Nova: THEY ARE ALL DEAD!!!)
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To: Sub-Driver

I wonder if she would have had the same debt load if she had gone to a state university.


19 posted on 03/17/2012 9:23:11 AM PDT by thethirddegree
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To: Sub-Driver

Miss Horton should be getting a call from Obama in 5..4..3.....


20 posted on 03/17/2012 9:23:44 AM PDT by avenir (I'm pessimistic about man, but I'm optimistic about GOD!)
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To: Sub-Driver

Never said what her degrees or military commission were.


21 posted on 03/17/2012 9:24:22 AM PDT by SkyDancer (Talent Without Ambition Is Sad - Ambition Without Talent Is Worse)
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To: Sub-Driver

Do they still have programs where you can work off your debt? For example, there have been programs for teachers, who go into underserved inner-city or rural schools, and can get loan forgiveness for their work there.

Too many kids nowadays go to college, with no thought of how their degrees will translate into jobs afterwards.

What will a degree in Women’s Studies do for you in job market? Studying women may be fascinating, but how many employers look for women studiers?

Or, Black studies, or even “Gay” studies at some colleges nowadays. How many businesses are looking for philosophers, who majored in philosophy? Maybe it’s fascinating to derive a philosophy of life and all that, but it won’t get you a job.

Too many kids have the idea that just going to college itself prepares them for the future and future careers, regardless of what they major in.


22 posted on 03/17/2012 9:24:34 AM PDT by Dilbert San Diego
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To: Jeff Chandler

dude!


23 posted on 03/17/2012 9:27:39 AM PDT by Calusa (The pump don't work cause the vandals took the handles. Quoth Bob Dylan.)
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To: Sub-Driver

All you taxpayers need to chip in and pay for my bad decisions! I’m a Latina! I’m a lawyer!


24 posted on 03/17/2012 9:28:03 AM PDT by jtal (Runnin' a World in Need with White Folks' Greed - since 1492)
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To: Sub-Driver

All you taxpayers need to chip in and pay for my bad decisions! I’m a Latina! I’m a lawyer!


25 posted on 03/17/2012 9:28:11 AM PDT by jtal (Runnin' a World in Need with White Folks' Greed - since 1492)
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To: Sub-Driver

I guess that, at 17, neither her nor her parents heard of a community college....just sayin’....


26 posted on 03/17/2012 9:29:02 AM PDT by Donkey Odious (I can explain it to you. I can't understand it for you.)
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To: KantianBurke
Good point, but look at the flip side of this. At one time the sage advice given to someone facing serious financial troubles was that the mortgage should always be paid, and that other debts were secondary. "Don't lose the house," was the prevailing wisdom at the time.

Once Congress passed laws that made it more nearly impossible to discharge credit card and student loan debt in bankruptcy court, they basically turned the whole system upside down. One of the important factors in the collapse of the mortgage industry in recent years is that a mortgage became one of the easiest forms of debt for someone to walk away from.

If someone in this woman's situation came to me for advice, I'd tell her to take out a second mortgage or home equity loan (or have her parents do it, if she doesn't own her home), pay off the student loan, and then mail the house keys to the bank. Case closed. Go to the head of the class, young lady!

27 posted on 03/17/2012 9:30:38 AM PDT by Alberta's Child ("If you touch my junk, I'm gonna have you arrested.")
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To: Sub-Driver

This from the washington post....the company that has the money to keep printing their rag of a newspaper because of the profits they generate off the university they own. I wonder if debt forgiveness for student loans would be financially beneficial to the washington post? Nothing but crooks trying to rob the public treasury. We need to be building more prisons to house all these Democrats.


28 posted on 03/17/2012 9:31:15 AM PDT by blueunicorn6 ("A crack shot and a good dancer")
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To: Sub-Driver
I always wait for the point in the story where a loaded firearm was pointed at the temple of the person signing the agreement.

Alas, that never happens.

Therefore, if you knowingly agree with assuming debt you should pay it back and stop complaining about it.

If you can't afford to go to a University, either attend a local Junior College, get a job or do both like I did.

Another wasted Generation of whining Children masquerading as Adults, just like the guy in the White House who never did an honest day of work in his life.

29 posted on 03/17/2012 9:32:02 AM PDT by Kickass Conservative (A day without Obama is like a day without a Tsunami.)
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To: Jonty30
You might have to move back home for a couple of years...

What? Make her move home to live with liars?

30 posted on 03/17/2012 9:33:43 AM PDT by TangoLimaSierra (To the left the truth looks Right-Wing.)
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To: Sub-Driver

It is way past time for the “Higher Education” Bubble to burst, hopefully by now, middle class parents wouldn’t dare to put their kids thru college unless they have the resources or scholarships to make it happen.


31 posted on 03/17/2012 9:33:43 AM PDT by MinorityRepublican
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To: Sub-Driver
Another Sandra Fluke? This para says all you need to know about what she's after:

This month Rep. Hansen Clarke (D-Mich.) introduced the Student Loan Forgiveness Act of 2012. It holds that an educated populace benefits all of society, not just the individual student. My military experience has taught me the value of diverse backgrounds and educations among my fellow airmen.

Funny how she felt compelled to interject her military experience in the same para. I know plenty of former military who are not asking for handouts from the gov.

As for line "an educated populace benefits all of society" are we to take this to mean she'll be giving half of her salary "to society"?
32 posted on 03/17/2012 9:35:12 AM PDT by Shannon
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To: Sub-Driver

Blame, blame, blame-—typical liberalism blaming others for their mistakes. She even admitted she should have attended local college in TX rather than Boston to keep tuition costs lower. Didn’t heed that advice so now pay up. How come liberal, leftist run higher education costs have skyrocketed anyway? Leftisms utopia isn’t free honey. Shut up and pay your debts in full like a responsible citizen.


33 posted on 03/17/2012 9:35:30 AM PDT by tflabo (Truth or tyranny)
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To: freedumb2003
And I repeat: any loan forgiveness had better be retroactive to the 1970s.

My house has been paid for for years. Any mortgage principal & interest reduction should be retroactive too!

34 posted on 03/17/2012 9:35:30 AM PDT by Graybeard58 (Eccl 10 v. 19 A feast is made for laughter, and wine maketh merry: but money answereth all things.)
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To: TangoLimaSierra

I am a practical minded person. I look at my situation and then I do what I must do to take care of it.

So yes, I would move into the house of Hitler if it meant taking care of a situation. :)

Mind you she could also take a part time job to supplement her income to pay down the loan. Work an extra two days a week and she could pay down her loan by an extra 500 bucks a month or so.


35 posted on 03/17/2012 9:37:22 AM PDT by Jonty30 (What Islam and secularism have in common is that they are both death cults.)
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To: Sub-Driver

Cry me a f***ing river...

I’m an American of Hispanic ancestry (is “Latina” some new buzzword?) from a middle class family. I put myself through college by WORKING-something I’d been doing since I was 15. During that time, I also married, had a kid and divorced. I did have help from my parents in the form of a home if I couldn’t afford one, and baby sitting by my mom and sibling. I did have to take off a couple of semesters while I worked two jobs, but I never applied for/got welfare, loans or food stamps.

That whiny young woman needs to apologize to her parents, cowboy up and take some responsibility...


36 posted on 03/17/2012 9:37:50 AM PDT by Texan5 ("You've got to saddle up your boys, you've got to draw a hard line"...)
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To: Graybeard58

>>My house has been paid for for years. Any mortgage principal & interest reduction should be retroactive too!<<

Absolutely. I am very tired of those of us who take our obligations seriously, honor our promises and pay our debts watching those who shrug their shoulders and blow off their debts get those debts reduced or eliminated.


37 posted on 03/17/2012 9:39:15 AM PDT by freedumb2003 (Spoiler Alert! The secret to Terra Nova: THEY ARE ALL DEAD!!!)
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To: Sub-Driver

When our kids were in high school the guidance counselor recommended one of them go to Rutgers in NJ - altho we lived in PA. She said his aptitude was for astronomy (which he was interested in, but so what?) and they had a good program at Rutgers. There was the usual blah, blah financial aid,blah blah... The gap between the financial aid and the tuition would have been insurmountable for us.

We had very low income at the time and my other son was already going to a Penn State satellite campus and living at home for the first two years before moving to the main campus to finish. So that is where my younger son went also. Both worked summers and at times during the school year.

Both kids (now in their late 40’s) got their BS’s and the younger one went on to become a PLS and PE, currently employed by the federal government in mapping. The other has his Ph. D in Engineering Mechanics and is a researcher at Penn State.

While they were eligibile at least one year for Pell Grants, the grants were not funded. They did get financial aid from PA.

They got out of school with minimal student loans. One with $5K and the other with $8K which they paid off.

I do think that responsible colleges and universities should do a much better job of educating parents and kids on costs. I think guidance counselors are probably worthless.


38 posted on 03/17/2012 9:42:05 AM PDT by finnsheep
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To: thethirddegree
Simmons College costs a lot more than a state university. Apparently the education she got wasn't worth the price, but then a school like Simmons will gladly use people like this girl for diversity credit and not even deliver a useful education in return for charging a fortune.
39 posted on 03/17/2012 9:42:38 AM PDT by hinckley buzzard
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To: Dilbert San Diego

Maybe her parents should have learned the word ‘no’ and insisted that they couldn’t afford to co-sign for her to go to Boston and that she stay home and go to a local community college and university instead.
That right there would have fixed the whole problem.


40 posted on 03/17/2012 9:43:47 AM PDT by sheana
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To: freedumb2003

“How about getting a single degree, then a J-O-B? That is the way it used to be.”

Absolutely. I agree. You’re missing the point however. Thanks to Bush the idiot, even with a job or multiple jobs, her take home pay will be used to pay down loans. Big picture, that’s a poor use of money for our economy which, in case you haven’t noticed, could use a boost. Re-allow the use of bankruptcy.


41 posted on 03/17/2012 9:43:47 AM PDT by KantianBurke (Where was the Tea Party when Dubya was spending like a drunken sailor?)
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To: Sub-Driver

Perhaps because my parents had been through the depression, I had a deep and abiding fear of debt. My children are a few years out of college, and I made sure that they graduated without any debt. But for the past thirty years or more, the idea of borrowing for college and worrying about it later has been sold to people. People are going to expensive private colleges when much cheaper public colleges would do. The idea seemed to be that a college degree is you ticket to high earnings and that any debt would be easy to repay. For some, the amount of debt is so large that it hinders them financially, and for others, they earn so little that the interest on their loan causes it to increase faster than their ability to pay it down.
This is a problem and will be a much bigger problem in the future. I don’t know what the solution is. But I am tired of acting responsibly, doing without, and then being asked to pay for the mistakes of people who lived and live in a alternate reality.


42 posted on 03/17/2012 9:44:03 AM PDT by Essie
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To: Jonty30

That’s right. You pay off college loans just like you eat an elephant . . . one bite at a time. For some, the elephant grows real BIG.

True, a lot of these kids listened to sharpster lenders instead of their parents, and went head over heels in debt - a lot of them thinking they’d just declare bankruptcy and default. Only, that’s what they got for wishful thinking, and then it came time to pay the piper.

When parents have helped all they can, they’ve helped all they can. - The story about the kid killing himself over a $9,000 college loan debt was so tragic, though. Any parent would quickly be able to explain to a kid that $9,000 over a lifetime is virtually NOTHING; and any parent who loves their kid would offer to help (provided the kid had talked with the parents about it and they knew about it.)


43 posted on 03/17/2012 9:46:10 AM PDT by Twinkie (John 3:16)
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To: Sub-Driver

Stupid. Of the 100 grand owed, probably 10 of it was for travel between Boston and Texas, and Boston is not cheap either.


44 posted on 03/17/2012 9:49:20 AM PDT by King Moonracer (Bad lighting and cheap fabric, that's how you sell clothing.....)
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To: Sub-Driver

I paid as I went. Took me longer, but so what? Our careers are much longer nowadays, so I had my children and went to school while they were little. Worked out really well.


45 posted on 03/17/2012 9:53:24 AM PDT by SuzyQue
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To: Essie

The depression-era generation valued education as a means to a better existence. In modern America we have almost come to worship college education and degrees as idols of status symbols. Expensive but empty ones at that....Anything that godless liberalism contols eventually comes to devalued ruin. Really no surprise here.


46 posted on 03/17/2012 9:55:10 AM PDT by tflabo (Truth or tyranny)
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To: Alberta's Child

“One of the important factors in the collapse of the mortgage industry in recent years is that a mortgage became one of the easiest forms of debt for someone to walk away from.”

Define easy. And you wouldn’t chalk the industry’s collapse up to (1) oversupply of homes & (2) market value collapse??


47 posted on 03/17/2012 9:59:02 AM PDT by KantianBurke (Where was the Tea Party when Dubya was spending like a drunken sailor?)
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To: SkyDancer
apparently made captain in 2008-air force- judge advocates office -stationed in calif and Hawaii..poor girl...why did she leave?

I sure hope her college medical paid for her contraception!

48 posted on 03/17/2012 10:03:12 AM PDT by rolling_stone
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To: 04-Bravo
I went in at 18, did my four, got out and used my GI Bill as well.

I am looking at going back to tech college part time as I need to do something else. I'm looking at a couple of quick certificate programs for the short term. One is electronics maintenance/servicing and the other involves industrial robotics with maybe trying to tackle both.

In my part of the world, IT tech jobs aren't that plentiful and break/fix/mass deployment gigs are near dry. There certainly aren't any in my old line of work in TV.

Years ago some of my TV co-irkers gave me grief about going to school to learn to fix computers and other technology, getting certs, etc. In the long run I made the right decision. Nikki Haley, economics, and technology will most likely do away with my former ETV employer. From what I hear of life inside there, it is downright miserable because it was an actual OK place for many years. It really isn't all that necessary any more.

Theoretically lottery assisted tuition assistance is available to SC residents regardless of income but my situation is rather weird and don't expect any help but it would be nice.

49 posted on 03/17/2012 10:04:07 AM PDT by wally_bert (It's sheer elegance in its simplicity! - The Middleman)
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To: Twinkie

I figured, at 8 percent interest, and paying $1500 a month into it, she could have it done in about 7.5 years, at a total cost of $130,000.

If she focused on the principal, borrowing a couple of hundred occasionally from family members, she’d have it paid off faster.


50 posted on 03/17/2012 10:06:42 AM PDT by Jonty30 (What Islam and secularism have in common is that they are both death cults.)
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