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I hope your brother lands on his feet, birddog81.

I wish I had looked at the occupational outlook handbook before college and saw the outlook and salary scales...before declaring the major I did. I'm just venting...it's nobody's fault but my own and I can't blame anyone else or would want to blame anyone else, but I'm able to vent here.

When I saw it though in sophomore year of college, I thought $29,000 was a little under but not horrible. Then I found out the average American income is $37,000 or so or slightly more.

Who would want to go into print journalism? sometimes I wonder how the professors brainwash the kids...I can't even say that happened to me...I went into it knowing that's what I wanted to do.

I'm not even at average? Not even with a degree? I felt disillusioned. I've often thought of going back for engineering.

But that all being said, I can't feel sorry for <most> teachers who start out at $40,000 a year OUT OF COLLEGE that say they are underpaid.


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After I was 2 years in the program at Osu, I was seriously considering going to Kent for their broadcast jornalism program. I was about to sign-up, but the advisor I spoke with was an Osu grad, and told me I would be fine at Osu. I really regret not going to Kent.

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They would do whatever they could to get Cortney into the best possible college, and they maintained a blind faith that the investment would be worth it.




Whether it's with religion, work, sports, school, whatever, etc., blind faith is a joke and certainly not an intelligent, thorough approach to anything. Nothing is above a critical, analytic combing. I don't endorse this blind faith as a method of thought. See above as an example of why. Whatever happened to the concept of thinking and making intelligent, all-points-considered decisions?

It boils down to common sense with school. Like DC said, if you're doing something like law or medicine, by all means run up your bill at the Dukes and Stanfords of the world. But when you get into more general fields like teaching, business/marketing, hospitality, etc., then expensive, prestigious schooling isn't worth it.

I was baffled by my classmates two years ago who were clinging to the ideas of going to the biggest possible schools like U of Mich, Sparty, all the directional MAC Michigan schools, private colleges like Hillsdale, out of state schools, etc. just to waste their first two years incurring unnecessary costs for watered down pre-reqs. Yeah, real solid investment.

Solution: Community college. Yeah it's not glamorous and most likely you're still with the parentals unless you're renting, but it's economically a no-brainer. Your first two years of school include BS general education courses anywhere you go. Why throw an extra $10K a year for that? People instantly think "the college experience" and in typical fashion of my generation, just want that feeling of independence, space, and new experiences and a job (money is all that matters, right :/) so badly to the point where logic goes out the wayside because they want all of that NOW. It's an exercise in impatience, shortsightedness, (sometimes) materialism/superficial status, and overall stupidity. I refuse to just bleat along that path. Community college and then a (hopefully somewhat affordable) state institution after I milk the affordable courses for all they're worth.

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also why I only pay for things with straight cash, homie




Ditto. Cash leaving your wallet hurts more and actually makes you think about taking it out and spending it.

That being said, I've been in school a year and a half-worth post HS, just about out of debt, and I still find paying for school to be a daunting task ahead. I know I'll handle paying for my community college courses up front with cash, it's just when I need to go to a state school, I don't want to have to (if I even can) to take out student loans. I don't even own credit cards, anymore. I'm in the Dave Ramsey branch of money management. Rough haul ahead but on the way.

I'll take my crappy job back making pizza and struggling to get through my full-time work/school/life barrage the way I am now (which I find has added a sense of accomplishment and self-reliance to my existence). It only builds character.


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Its also best to go in to a field that has payoff. Don't get a degree in philosophy or political science. Go for business or nursing or something like that.




You can get a degree in whatever you want, just have a realistic plan about what you can expect with that degree and how much it costs to get it..

If you want an Art History degree because that's what you love and you'd like to work at a museum and maybe teach, fine go get it but don't borrow $200K to get it from Yale.


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great points. just wanted to add one thing for emphasis.

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Couple points to make:

1.) The Harvards/MITs/Stanfords are not generally the school getting kids into trouble like this... they tend to have great need based aid, which means kids owe very little at the end of their college careers. I went to Northwestern where I believe they've recently instituted a $20k max on loans over 4 years ($5k/yr). I ended up with a little more than $13k in loans - and due to need based aid, my yearly tuition was actually less than my brother's who went to OSU (in state) during the two years we overlapped. I've heard talk that Harvard is considering free school if your family makes less than $60-$80k.





Stanford started this great trend (and makes these top-tier schools even MORE desirable which benefits them).

http://news.stanford.edu/news/2006/march15/tuition-031506.html


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i did exactly what you did, except i did choose biomedical engineering over EE. no logo, it might make you feel better to know that while bme's might make more, an EE has way more emplyoment possibility than an entry bme. even medical companies, deciding between the two, will go with the EE or mech E over someone with only a bachlors in bme, given the broadness of the bme degree.

on topic though, whenever i hear any of these finances stories, i have very little sympathy for the "victim." the lesson in any of these articles have always been that no one will care more about your money than yourself. the common thread is none of these people do any planning, research, or think anything through.

when i was considering schools, i actually looked at nyu. very quick research showed that they give very little in grant money and expect everything to be paid for by loan. it doesn't take high math skills to see that what you borrow each year, times 4-5, will be a large amount. it's the applicants responsibility to research each school they apply to, understand how financials work, understand expected family contributions through FAFSA, weigh financial aid packages, and then decide on a school. much of this stuff is too romanticized. the idea that, you have a dream school and need to attend at any cost. that's somethign i strongly disagree with. if you have to go to the best school in your expected field of study, that's one thing. to go to a school just because you think it'll be fun and major in a worthless degree is another.

it was also asked whether going to college is even worth it now by someone to which i'd say emphatically, YES. it's not even what you learn in the classroom but the skills you develop. the skills i developed in negotiation, trade of commodities (i.e. homework answers, test info, etc), and value assessment/investing of time and reserouces brought me the career success that i currently enjoy. my advancement has nothing to do with my degree, it just got my foot in the door

<edit> forgot to mention i don't even work in engineering anymore

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Aren't you still pretty young? Never too late for a career change, unless you love what you do regardless of what compensation you may or may not get.


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I graduated with a minor in poly sci. most of the students who majored in poly sci, usually went to law school.

People tell these kids to do what they enjoy, don't chase the money. that's why you see kids taking these majors that don't have great market value.

Student counselors are horrible. they only look at the university's perspective. that is to get you in the door. they didn't give me any advice on job prospects, and the degree itself. But when I graduated, and went for help with my resume, the counselor told me I chose a cut-throat field, and didn't get any internships. She basically told me I would have a hard time finding work in the field. It's like why didn't you tell me this a few years ago?? I tried to get many internships, but I was working 40hr weeks to pay the bills in the summer. I've always felt an internship should come with your degree. at least 1. That would set up students more ready for the market. At Kent my sister was required to to have one to graduate.

5 years after graduation, I am heading back for a 2nd bachelors. I only have to go for 3 years, since I had plenty of classes transfer over. I will be majoring in accounting/finance. It's boring work, but the industry looks stable compared to others. I have looked into medical, but I do not want to take care of the sick.




This is fairly similar to my situation. In retrospect, I was absolutely not ready to go to college when I graduated high school. I had no trouble with it from an academic standpoint, but in terms of knowing what I wanted, I didn't have much of a clue. However, when I graduated in 1999, the mantra was get in, get your degree in 4 years and get out, and you'll be able to write your own ticket pretty much anywhere. Then the dot-com bubble burst, September 11th happened, and the bottom dropped out. When I graduated college in 2003 with a bachelor's degree in Business Administration, pretty much the only things I could find for a new grad with no experience (my program didn't require internships...pretty nice at the time, but awful in retrospect) were entry-level cold-calling jobs with financial provider firms that promised that I could "earn $75k in your first year", but it was purely commission based and factored in average work week of 80-some hours.

At that point I decided to attend law school, which after a few semesters of night classes while working 45-50 hours a week I decided just wasn't the profession for me. I hated the first semester but wasn't going to let one bad semester form my entire opinion. However, my opinion never changed. I don't fault anyone for this, it just wasn't a good match.

So in 2008 I started going after a second bachelor's degree in electrical engineering. I finally wrapped up all of my required math and physics courses and will finally be starting the real meat of the coursework beginning with courses in electric and electronic circuits this fall, and I finally feel like I'm doing something that I enjoy. It just sucks that it took me til age 29 to get there, but I suppose its better late than never.

But in retrospect, I didn't really have anyone steering me in the right direction, and to make matters worse, I didn't know what I didn't know. I wish I'd either studied EE the first time through college (which, not coincidentally, is what a lot of my friends in college were studying) or learned a skilled trade. I think learning skilled trades is grossly underappreciated, personally.

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every situation is different. When I was first thinking about college in in the late 90's, none of of my immediate family ever attended, and I didn't have any friends who were planning on attending. Plus the internet was just catching on, so I really didn't have that as an option as well. ... While I was in college, i learned all the ins and outs of the sytstem. It was like on the job training. I wasn't even that familiar with intersnhips, until my sophomore year.

My father use to preach to get a degree constantly. He use to think it was an end all to your problems. I bought into that reasoning, and just focused my time achieving that goal, without looking into anything esle. That's hardly true, as I've found out.

It's a lot to put on some 17 or 18 yr old kid. The parents need to be just as educated, as the student.

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yea, we share the same story. I'm 29 also.

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i agree that immediate sources may be less available for others but information is available nonetheless. i can also tell you that every library has a standardized testing/college section where you can read all the kaplan/princeton review books on colleges. those provide all the stats on average financial aid and % receiving need based aid, etc. there was information before the internet.

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i agree that immediate sources may be less available for others but information is available nonetheless. i can also tell you that every library has a standardized testing/college section where you can read all the kaplan/princeton review books on colleges. those provide all the stats on average financial aid and % receiving need based aid, etc. there was information before the internet.




I never knew that. And I presume many others don't as well.

It's not a matter of "if" the information is available, it is do they know it, and do they know where to look for it.

With the internet and search engines, there's not much reason to not be able to find information these day, but up until about 2000 I can see where it was a huge scary black hole that many didn't know how to traverse.


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there are also individuals who will help you through the process. my parents paid a couple hundred dollars to someone to come to our house and explain the whole process to us.

he included a binder with internet sites on how and when to apply for scholarships, loans, schools. which loans were 'good' loans (don't accrue interest until you graduate) and which were bad (start accruing immediately even if you don't start paying yet). which schools were better for financial aid (not only for incoming freshmen but also for upper classmen...a loophole that is easy to miss). and he gave me a starting point for contacting people in the industries I was most interested in.

at the time, I thought my parents had wasted a bunch of money for nothing. but, it really did help give me a starting point to do most of the real in depth research myself. and, one of the scholarships he told me to look into ended up paying us back for his fee.

all of this is probably available online without actually needing someone to come out to your house now, but, again, the internet wasn't as prominent back then.


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exactly, with internet, there is no excuse. without it, that's why we have high school guidance counselors. whether the ones at anyone's particular school is any good, that may be debateable, but they will all have the bare minimum info, such as "there's this book that provides this info." in addition, they are also the ones that knows about all the local scholarships because the people who fund them send it to them.

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I mean, I did the whole financial aid/student loan/scholarship thing, graduated, and I probably still couldn't properly explain the whole process.




noob, i doubt you'd be surprised to hear i know about this but i researched this like crazy when i was in high school and still remember most of it.

graduating high school student, during application process will apply to schools and submit a FAFSA. that fafsa will determine the "expected family contribution" amount. based on income and debt obligations, it will calculate what a reasonable amount to contribute each year for the family. this number is sent to schools of the student's choice. occasionally, schools ask for a comparative thing also from collegeboard (i hate collegeboard).

schools use that number to build a financial aid package. if the student is getting merit scholarship, that is added first and the difference is made up. possible ways to help include grant (money that is gift aid and doesn't need to be returned, can be from state/federal or from college itself through its endowments), subsidized fed loans (no interest acrues while in school until about 3-6 months after graduating, unsubsidized fed loans (loans from government that accrues debt but is still going to be lower interest than from a bank), and loans from the university directly. sometimes, schools will also get pre-approval for students to get loans from partnering banks or sallie mae. ideally, the mixture of all these things will total the difference between expected annual cost (tuition, room and boarding, student fees, lab fees, etc) and the expected family contribution amount. obviously more in the grant aid will be best. upon graduation, students get the option of lumping all of their obligations into one loan with only one payment instead of worrying about multiple payments to various loan sources. advantages include a single payment at a reasonable fixed rate.

ultimately, it's up to the applicant to recognize this is about his future. yes parents and others should help but there is only one person all of this will directly affect so it is his responsibility.

like the person in the original article, it's her responsibility to figure out career paths from that major when she chose it just like it was her responsibility to figure out how much going to that school would really cost.

maybe it's just me but i could never comfortably sign to pay for something with money i never had without getting all the information. probably because i read so many horror stories like the article posted.

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The fafsa is stupid - but not as stupid as the EFC. (expected family contribution). Heck, they had my EFC at over $13,000 per year for my son. Like I'm sitting on an extra 13 grand a year I don't know what to do with........or like I saved up $52,000 in 17 years time for nothing but college for my son.

Maybe I'm a bad dad for not having been able to do that. I was a young dad, granted, and my daughter will have much more than my son did - but the costs of college aren't going down over the next 9 years either.

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yea, i think many people would have issues with what the fafsa decided but at least the idea is a good one. that, by some standard, it is decided how much someone should reasonably contribute. how they decide the numbers, i'm sure most would feel, could be tweaked.

the issue i had, at that time, was with the way college board had the exact same thing yet forced you to pay them in order for them to decide how much your contributions should be. seemed not only counterintuitive to me but unethical. probably why very few colleges ask for it.

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Haha, yeah, I do remember all that stuff...

Like I said, I did it and took care of everything. I just think it could be easier, but that's just opinion.

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maybe it's just me but i could never comfortably sign to pay for something with money i never had without getting all the information. probably because i read so many horror stories like the article posted.




No arguments there. In my opinion, if you put your signature at the bottom of the page, it's your responsibility.


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My story. I was the first in my family to go to college. Throughout highschool I was a top student and an award winning artist. The only school I ever wanted to attend was the Columbus College of Art and Design. One of the country's top private art schools.
I attended CCAD my freshman year on partial scholarship. Focusing on a career path in art direction/advertising. Art school being as expensive as it is, I still rang up around $14,000 in debt. The education I was receiving was top notch. The debt I was accrueing was unacceptable. My sophmore year I was again awarded another partial scholarship. One of the hardest decisions I've ever made was turning it down out of fear of the debt I was racking up.
I transfered home to BGSU and attended there for the next two and a half years. Thank God I transfered when I did. Over the course of my time at BG I came to realize I didn't the want the focus of my talents to be pushed towards a career in advertising but more for my own personal way of expressing myself. I dropped out of BG and worked as a freelance artist for a couple of years. Basically whoring my talents out to the highest bidder. There was little joy in it for me. Eventually I ended up back in school.
I'm currently a hospice nurse. Making a good living and I have total control over the part of me that God gifted me, my artistic talent. Now when I make money off my art, which I regularly do, it's for me. Not to pay the bills.
20 years ago if you would have told me I'd be a BGSU drop out/nurse I'd have told you you were crazy. But financially and "spiritually" it was the some of best choices I've made as an adult.


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Portland. Same here. First of my sibs to go to college.
My grandpa wanted me to go into engineering at CSU, but my math SAT sucked (550) and I'm not good in math/science.
I was going to to go to CIA, but took Portfolio Prep in 2000 and found out that
1) I wanted to do art on my time, not the school's.
2) my art was good enough to get me a few scholarships but not as many as I could realistically want. The school was $25,000 a year.
3) The economy started to tank in fall 2000, and auto designing wasn't as pragmatic as a career in journalism (I thought at the time). It is one of those things where you can't just apply to work at GMI (general motors institute) or something like that.

So I went to KSU, saved up some $$, paid off a few loans, took summer classes at Lakeland to help with credits and LERs (liberal education requirements) and I'm good now. The process was correct and I got good advice.

But a career change is a possibility. PR maybe?

At least being a nurse gives you financial freedom...long hours like journalism, but you're also on shift and can get off...journalism is a 24-hour news cycle.


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My biggest beef with college was the textbooks. I think they need to stop the constant updating. Publishing companies know its not necessary but they're a business after all and their sole objective is to make a profit.

Most of the time there is literally no difference between the 5th and 6th edition. Does English 101 or math 101 or basic logic need updating? Has the French revolution changed in the past 20+ years? Did math 101 change in the past 1,000 yrs? My complaints were:

1. Charging me to buy a brand new book when someone who took the course the year prior has a perfectly good book

2. Then turning around and not letting me re-sell the brand new book because now it's worthless and outdated.

They're getting worse with this scheme too. I remeber when I bought two textbooks in a semester that were three hole punched, supposedly because it makes it easier to take out chapters and only carry around what you need. The thing is, now they can refuse to take back a perfectly updated book because this type of book is rendered useless once the shrink wrap has been removed.

I would hope the day is not that far off when college textbooks become electronic instead of printed, and are available for a fee on Kindle and iPad like systems

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Looking back, there are so many things I can be thankful for as it pertains to dropping out. One of the biggest being that when I attended college between 1990 and 1994 colleges were still teaching the old school methods for printing. We weren't aloud to use copy machines let alone computers.
I would have graduated college with a brain full of useless skills as it pertained to the job maket at the time. The computer generation had arrived.. without me.
To this day I'd bet I could still layout a page for duplication using a large format camera. With registration marks, and overlays for multicolor printing. Unfortuanately I'd be laughed at if I walked into an art department and tried to sell those skills. Most of the people working in the field would proabably look at me as though I were speaking a foreign language. I might as well have gone to school for advertising from 1957- 61. I had the same skillset. (Since college I've taught myself Photoshop and Illustrator)


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I would hope the day is not that far off when college textbooks become electronic instead of printed, and are available for a fee on Kindle and iPad like systems




it's not. Case and Florida are already experimenting with all-electronic departments.


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I would hope the day is not that far off when college textbooks become electronic instead of printed, and are available for a fee on Kindle and iPad like systems




it's not. Case and Florida are already experimenting with all-electronic departments.





I've heard of a couple professors do stuff with iTunes U, where they can have lectures and stuff put up on iTunes and all the students can download and listen to them as often as they like if they want. I really think that's part of what Apple was envisioning for the iPad from the beginning.

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Quote:

Quote:

Quote:


I would hope the day is not that far off when college textbooks become electronic instead of printed, and are available for a fee on Kindle and iPad like systems




it's not. Case and Florida are already experimenting with all-electronic departments.





I've heard of a couple professors do stuff with iTunes U, where they can have lectures and stuff put up on iTunes and all the students can download and listen to them as often as they like if they want. I really think that's part of what Apple was envisioning for the iPad from the beginning.




I had a history class that used an online "textbook". We had to purchase access for 1 semester, of course, and then when the course ended, so did access to the information.

I don't recall if it was all that much less expensive than an actual textbook.

As far as Apple .... they are a business .... and any and all of their products are created to make their company money. They'll probably charge for students to download information via iTunes.


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Quote:

Quote:

Quote:

Quote:


I would hope the day is not that far off when college textbooks become electronic instead of printed, and are available for a fee on Kindle and iPad like systems




it's not. Case and Florida are already experimenting with all-electronic departments.





I've heard of a couple professors do stuff with iTunes U, where they can have lectures and stuff put up on iTunes and all the students can download and listen to them as often as they like if they want. I really think that's part of what Apple was envisioning for the iPad from the beginning.




I had a history class that used an online "textbook". We had to purchase access for 1 semester, of course, and then when the course ended, so did access to the information.

I don't recall if it was all that much less expensive than an actual textbook.

As far as Apple .... they are a business .... and any and all of their products are created to make their company money. They'll probably charge for students to download information via iTunes.





Very understandable, I just feel that it would make updating a very easy matter, access would be increased, and less paper would be used and less gasoline to move product around

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yea, we had that also but it was hosted by case's servers, not itunes. i used to miss a lot of classes and would watch them online. i learned the hard way that it's more difficult to pay attention on a comp vs in a lecture though.

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Yeah, the physics course I just completed had an online text that also was where we did all of our homework and weekly "quizzes" as well. I think the 1-year license was like $80 or something.

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I'm not a fan of electronic books. I prefer hard copies that I can write in, bookmark and not have to give up after the class is over because the license expires.

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I took a chemistry course, and, of course, a the end of the year the textbook was worth exactly $0.00.

I had written a ton of notes in it anyway ...... so i was glad it was worthless, because it would have been anyway.

However, my sister in law took the exact same course and had all kinds of trouble, so I gace her my copy of the book with all of my notes, and she passed. So I guess it was worth the investment.


Micah 6:8; He has shown you, O mortal, what is good. And what does the Lord require of you? To act justly and to love mercy, and to walk humbly with your God.

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First semester soph yr I spent like $350 on text books and swore never again. After that other than a foreign language class I refused to buy another text book. And I stuck to it, and still graduated with a 3.7 GPA in my major mind you. College text books are worthless with the amount of info available for free on the internet.


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What a couple of maroons. No excuse for that kind of stupidity.

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I did the same. My sophmore year I couldn't afford the texts when classes started. So I held off buying them. Turns out many of the "required texts" were not going to be used by the prof anyway. They often told us which books they were going to use on the first day of class. Only then did I purchased the books I really knew would be important reference stuff that would be critical to have access to as needed. This was before the internet mind you. In the end I saved hundreds of dollars over the ramaining years on useless books.


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What a couple of maroons. No excuse for that kind of stupidity.




Sorry, I can't really let that go. I hope it was intentional.

Last edited by Lyuokdea; 06/02/10 09:20 PM.

"When a foreigner resides among you in your land, do not mistreat them. The foreigner residing among you must be treated as your native-born. Love them as yourself, for you were foreigners in Egypt. I am the LORD your God." Leviticus 19:33-34
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Quote:

Quote:

What a couple of maroons. No excuse for that kind of stupidity.




Sorry, I can't really let that go.





Care to explain? Be careful, this could really boomerang on you.

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The fafsa is stupid - but not as stupid as the EFC. (expected family contribution). Heck, they had my EFC at over $13,000 per year for my son. Like I'm sitting on an extra 13 grand a year I don't know what to do with........or like I saved up $52,000 in 17 years time for nothing but college for my son.

Maybe I'm a bad dad for not having been able to do that. I was a young dad, granted, and my daughter will have much more than my son did - but the costs of college aren't going down over the next 9 years either.




I had a similar issue. My parents were divorced and while my father was required to pay child support (of a whopping $50/mo) he never did that I know of, but they insisted because he was liable for child support he would be included on determining financial aid, and it ended up being barely enough to cover books, much less pay for college.

No way I was expecting my mom, already working 3 jobs to put me through 4 years of college, so I went into the workforce and worked my way up, educated myself along the way through books, classes, internet(when it became available), and questioning those with previous knowledge.

Looking back I regret not attending college for many reasons, but none have to do with where my life ended up. I am very happy with where I am now and what I've accomplished.


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For me, it doesn't make sense for me to move out of my house until I can afford a new car (one that will last me until I'm in my low to mid-30's) and the down payment on a house (without taking out an insurance policy for the down payment aka "a down payment on a down payment").




Cut the apron strings already!! It's ok to face a challenge and finally spread your wings and create your own life.

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Quote:

Quote:

Quote:

What a couple of maroons. No excuse for that kind of stupidity.




Sorry, I can't really let that go.





Care to explain? Be careful, this could really boomerang on you.




What am i missing? It's not their last name...neither urban dictionary nor google seem to know the phrase....

EDIT: Ok...bugs bunny - i thought it was too stupid for me not to be missing something

Last edited by Lyuokdea; 06/02/10 11:04 PM.

"When a foreigner resides among you in your land, do not mistreat them. The foreigner residing among you must be treated as your native-born. Love them as yourself, for you were foreigners in Egypt. I am the LORD your God." Leviticus 19:33-34
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i thought it was too stupid for me not to be missing something






Sorry, I can't really let that go.

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Everyone's different.

It sounds like Ammo is choosing to save his money--based on what he said he was doing--which is very smart in today's day and age. Why blow money you worked hard for and barely make rent with no safety net whatsoever until you get a good job?

When you get a good job, time to fly from the nest pronto!

That being said, if one is living at home and blowing $$ on the latest COTD or Gears or DVDs or wrestling pay-per-view and drinking every Fri/Sat night as many post-college students do, then that should be an indicator that he/she is making more than enough to live on his/her own.

But if they're frugal, paying off loans, working 2 jobs, helping the rents and having to live at home, that's different and more acceptable in Western society. Everyone's situation is different.

Just some examples.


Go Browns!
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