Brent P
No, actually I don't. Time spent away from school reduces the amount of time available to study or take additional clbuttes. It might mean the difference between getting a degree in the regular amount of time, or longer than regular. See? That's what I mean when I say it scales. All time spent away from school-related activities is time not spent on school related activities. If you have a car, then you have to pay for it, and you have to commute. Time away from studying or taking extra clbuttes to possibly be done on time or sooner, if you're lucky.
But Cory does, so your special case is non sequitur.
I have. And if you can't admit that my scenarios are possible, then you are a fool.
You want to limit the argument to my special case, when I have repeatedly said it was merely an example.
I have listed other examples that are just as plausible.
How do you know? Have you compared the numbers?
I don't know either, but just jumping up and saying "debt is debt", like that's The Answer is stupid.
There is always a chance that the economy is down, or the area you are in doesn't support your area of study well - but those things are not permanent nor immutable. I have never denied that there's a chance that things aren't all tea and roses right out of school. But that doesn't mean it's inevitable, either.
You didn't f***ing need them, did you? It wasn't even really a choice - you went to school on someone else's dime.
Making pronouncements about whether or not they are a good idea is hilarious coming from you.
Simple - you said you went to school and didn't have a job.
Two possibilities: You worked enough in the summer or in high school to totally fund your own education.
Talk about a special case! LOL.
The other is that some other folks paid while you kicked back and went to school.
Not really available to too many folks. Kind of a special case, huh?
Thus, pretty much, you went to school on someone else's dime. Just like I said. Loans weren't even a consideration for you. It's very easy to pontificate from a position of abject ignorance.
Same here. And then some after college, because if I wanted to go to school, I had to either work poo jobs for ten years to save enough to go, or take loans and earn much more later to pay them off.
Even if I had done it in the regular amount of time, I'd have been much better off.
And the benefits that go with that. No commute. No insurance-gas-repair costs. Immediate availablity of computing-library-professorial resources.
Most of all: time with which one may accomplish more in a shorter given time span.
You keep trying to claim that all debt is equal.
My other examples do, however.
Ah, finally the light dawns. Taking on debt might actually be a good idea after all, even for Cory!
Well, you can't just kick back at mommy and daddy's house and rest up - you actually have to get out and get into the job market. You might even have to take a poo job until what you're looking for rolls around.
Hey, that's no different than if you didn't have debt! Funny thing...
Cite?
But you could have taken it, and in 1987, $29k-yr wasn't chicken feed. Hell, even now you could do OK if you didn't live too high on the hog. Discipline, you know...
Someone else paid. You just had to show up, do the work, and *poof*, degree in your hand. Most of the rest of us can't do that.
But that doesn't mean you couldn't have worked off your loan while you were waiting for $45k-yr to come along. Heck, that's about what I did, and it worked out just fine.
No, it isn't. It does speak to your credibility on the issue. It's easy to make pronouncements when you've never BTDT.
Ooops, except you're wrong.
No - I got no money from my parents. They didn't have it.
You did. And you're talking about loans like you know a damned thing about them.
No. That's your spin.
Taking a loan to improve your academic position. Period.
I got lucky - I got to live in the next-to-cruddiest dorm. Even my apartment after was a palace in comparison.
IIRC, the building was over 75 years old. But what it lacked in ammenities it made up for in shabbiness.
I got over it, because I had purpose, and focus. No distractions of cars and commutes and working around my parents' schedules or any other damned thing. Just school. Oh, and meeting my wife. That worked out, too. And I wouldn't have, if I'd have been a commuter. (Well maybe, but not likely.)
But that's a fringe benefit, and doesn't fall into the fiscal calculation at all.
E.P.
