(09-25-2014 04:18 PM)WKUApollo Wrote:  

(09-25-2014 04:03 PM)EverRespect Wrote:  

(09-25-2014 03:56 PM)HeartOfDixie Wrote:  I actually agree with him.

It's a cycle; the loans are high because the schools can fill seats and kids need in. The cost of education for people like teachers can be amazingly high given their very low salaries. You consider the cost of a legal education, $150,000 minimum for most, to get a $40k government job then it is only fair.

Under the current plan a teacher who owes $100,000 for a BA and Masters to make 38K per year is in a ****** spot if they lose get hurt and can't work etc. Parts of the loan should be forgiven after each fe years to 'lock in' what was already promised.

Besides, government loans are forgiven for everybody at a point anyways. These programs are designed to get more qualified people into some of these positions as opposed to the losers they historically draw in.

The underlying question that nobody wants to talk about is: why the f*ck does my son's kindergarten teacher need a master's degree when we could get someone with a high school diploma, a a passed competency test, and a thorough background investigation that is just as qualified? I am sure there are plenty of fully capable kindergarten teachers with no student loans that would be very happy with $38k per year. Hell, my wife would do it tomorrow and she has a BS and is "unqualified".

Wow, where'd you get that number? Must be from private colleges. The average at a public 4 year college is more like $60,000 for four years, maybe a little more but nowhere near $150,000.

He said masters that's five or six years plus grad credits

(09-25-2014 05:31 PM)HeartOfDixie Wrote:  

(09-25-2014 05:11 PM)JMUDunk Wrote:  

(09-25-2014 04:25 PM)HeartOfDixie Wrote:  

(09-25-2014 04:24 PM)WKUApollo Wrote:  

(09-25-2014 04:20 PM)HeartOfDixie Wrote:  You missed where I said legal education.

I evidently misunderstood. Do you mean legal, as opposed to illegal, or legal as in Law Degree? LOL

A J.D.

To get a 40k gubment job? who does that? If they do then it's on them. Either their degree is a sham, they're a schitty interview, or some other failure.

This is approaching and just zoooooming past the ridiculous level. Soon enough those actually PAYING these bills (hint: it's not the "government") will run out of money. For real. Not just this nagging little 18 TRILLION dollar debt.

The public sector "servant" worship is about to make me puke. Why are they any more entitled to a debt forgiveness than the guy with a BS working for the local propane company or whatever? He ain' getting rich either, and probably doesn't get the FAT bene's package to boot.

BUT, it's still his hard earned money that now pays not only his student loans, but now the young lady teaching down the street as well? Why's that?

A lot of kids do it because they want to be lawyers. It's a job we as a society have to have and this is the degree you have to have to get it.

Blame higher ed..

Still, as is, the loan system for the Feds makes money for the Feds.

HOD, is this really a response? It's the job we as a society have to have?!?

What? Not the guy I suggested above? How's that? Why are any of them more deserving a "bailout" than others? That's the question.

(09-25-2014 03:56 PM)HeartOfDixie Wrote:  I actually agree with him.

It's a cycle; the loans are high because the schools can fill seats and kids need in. The cost of education for people like teachers can be amazingly high given their very low salaries. You consider the cost of a legal education, $150,000 minimum for most, to get a $40k government job then it is only fair.

Under the current plan a teacher who owes $100,000 for a BA and Masters to make 38K per year is in a ****** spot if they lose get hurt and can't work etc. Parts of the loan should be forgiven after each fe years to 'lock in' what was already promised.

Besides, government loans are forgiven for everybody at a point anyways. These programs are designed to get more qualified people into some of these positions as opposed to the losers they historically draw in.

Ughhhh, when is that?

The article I found posted where _part_ of govt. school loans can be forgiven (I think it requires proof of hardship though) but not, as HOD wrote, the "entire loan".

(09-25-2014 06:27 PM)EverRespect Wrote:  Virginia has one too. They still require a bachelors and 6 months of time without income. Also, the administrators look down on them and assign you schit jobs in the schittiest schools.

But if it really is what someone wants to do, Ever... it's a foot in the door. That's why I question pure "teaching" degrees anymore. I'd rather have had someone who had some experience in their field then someone right out of university.

(09-26-2014 08:29 AM)DaSaintFan Wrote:  

(09-25-2014 06:27 PM)EverRespect Wrote:  Virginia has one too. They still require a bachelors and 6 months of time without income. Also, the administrators look down on them and assign you schit jobs in the schittiest schools.

But if it really is what someone wants to do, Ever... it's a foot in the door. That's why I question pure "teaching" degrees anymore. I'd rather have had someone who had some experience in their field then someone right out of university.

My point is the entire profession has become over-credentialized (made up the word) and discourages many good people from entering the field that would otherwise be fine with the money. While the money is decent, there is little room for advancement aside from the nominal cost of living increases the district may or may not grant you. Most people don't want to put their life on hold for 5-6 years for that.

I don't agree with singling out one group of people for loan forgiveness. Maybe they could do something like if ANYONE decides to work in public sevice for say X amount of years then X amount of student debt could be forgiven. Something along those lines.

(09-26-2014 08:24 AM)firmbizzle Wrote:  

(09-25-2014 03:56 PM)HeartOfDixie Wrote:  I actually agree with him.

It's a cycle; the loans are high because the schools can fill seats and kids need in. The cost of education for people like teachers can be amazingly high given their very low salaries. You consider the cost of a legal education, $150,000 minimum for most, to get a $40k government job then it is only fair.

Under the current plan a teacher who owes $100,000 for a BA and Masters to make 38K per year is in a ****** spot if they lose get hurt and can't work etc. Parts of the loan should be forgiven after each fe years to 'lock in' what was already promised.

Besides, government loans are forgiven for everybody at a point anyways. These programs are designed to get more qualified people into some of these positions as opposed to the losers they historically draw in.

Ughhhh, when is that?

20-25 years depending on the payment schedule and if the person pays on time.

(09-26-2014 08:27 AM)DaSaintFan Wrote:  The article I found posted where _part_ of govt. school loans can be forgiven (I think it requires proof of hardship though) but not, as HOD wrote, the "entire loan".

No, you're wrong.

Public service jobs, that are on the list, will be forgiven at the end of 10 years if the person keeps that public service job the whole time and makes payments as agreed the entire 10 years.

EVERY Federal student loan is forgiven at the end of 20-25 years, depending on the schedule they signed up for, if they make payments for that entire period.

So, if you collect 300,000 in debt for school, get a secretary job and make 22k per year, go on Income Based Repayment, and pay your $100 per month every month for 20-25 years then the debt will be forgiven.

The trick is you do have to pay taxes on the forgiven amount as if it were income but the loan does go away.

(09-26-2014 08:43 AM)VA49er Wrote:  I don't agree with singling out one group of people for loan forgiveness. Maybe they could do something like if ANYONE decides to work in public sevice for say X amount of years then X amount of student debt could be forgiven. Something along those lines.

That's really what this program is. It doesn't apply just to teachers but anybody who gets a check from a public entity, works at a non-profit, etc.

(09-26-2014 12:36 AM)JMUDunk Wrote:  

(09-25-2014 05:31 PM)HeartOfDixie Wrote:  

(09-25-2014 05:11 PM)JMUDunk Wrote:  

(09-25-2014 04:25 PM)HeartOfDixie Wrote:  

(09-25-2014 04:24 PM)WKUApollo Wrote:  I evidently misunderstood. Do you mean legal, as opposed to illegal, or legal as in Law Degree? LOL

A J.D.

To get a 40k gubment job? who does that? If they do then it's on them. Either their degree is a sham, they're a schitty interview, or some other failure.

This is approaching and just zoooooming past the ridiculous level. Soon enough those actually PAYING these bills (hint: it's not the "government") will run out of money. For real. Not just this nagging little 18 TRILLION dollar debt.

The public sector "servant" worship is about to make me puke. Why are they any more entitled to a debt forgiveness than the guy with a BS working for the local propane company or whatever? He ain' getting rich either, and probably doesn't get the FAT bene's package to boot.

BUT, it's still his hard earned money that now pays not only his student loans, but now the young lady teaching down the street as well? Why's that?

A lot of kids do it because they want to be lawyers. It's a job we as a society have to have and this is the degree you have to have to get it.

Blame higher ed..

Still, as is, the loan system for the Feds makes money for the Feds.

HOD, is this really a response? It's the job we as a society have to have?!?

What? Not the guy I suggested above? How's that? Why are any of them more deserving a "bailout" than others? That's the question.

Because the cost of education for one has been artificially inflated so that its average price tag is more than 3x higher than the other.

Both receive a "bailout" though, it is just a matter of timing.

(09-26-2014 09:30 AM)smudge12 Wrote:  

(09-25-2014 06:27 PM)EverRespect Wrote:  

(09-25-2014 05:01 PM)DaSaintFan Wrote:  

(09-25-2014 04:03 PM)EverRespect Wrote:  The underlying question that nobody wants to talk about is: why the f*ck does my son's kindergarten teacher need a master's degree when we could get someone with a high school diploma, a a passed competency test, and a thorough background investigation that is just as qualified? I am sure there are plenty of fully capable kindergarten teachers with no student loans that would be very happy with $38k per year. Hell, my wife would do it tomorrow and she has a BS and is "unqualified".

You ever go the "alternate teaching certificate" route, Ever. A lot of states have those, where you just need a college degree and you can get the ATC.

I know Mississippi _used_ to have it for computer science courses (it was one thing I was going to do with my degree until I saw the nightmare of public school systems.)

Missouri has one, not sure how it works though.,..

Virginia has one too. They still require a bachelors and 6 months of time without income. Also, the administrators look down on them and assign you schit jobs in the schittiest schools.

Sent from my SCH-I535 using Tapatalk

While I was looking for an engineering position out of college, I received a temporary VA teaching license in 6-12 Math (it lasts two years). The only academic requirements were that I have certain math classes under my belt (engn. coursework pretty much fulfill them) and that I score the minimum VA requirement on the Praxis exam (each states has different score requirements).

And like any job, I applied to the relevant positions at whatever schools I wanted to. They certainly didn't assign me a "schit" position in the "schittiest" school; I had a choice.

If I wanted to pursue the permanent license, I would have taken the required teaching classes in the two years my license was good for.

When did you do this? My experience was after getting laid off in 2009 and my previous industry was in the schitter. Only option was a certificate program that was 6 months long, cost a decent amount of money, and required you work for free for a period. I visited HR in Newport News and they didn't offer me an exam or mention any kind of "temporary license". My wife has looked into it for herself as well.

Did you apply and get any of the positions you desired? Sure, you can apply, but who do you think will get those jobs. Guarantee you they have a masters and the only position you'd have a chance at getting is teaching prealgebra to below average students at Booker T, not AP Calculus at Maury or Granby.