SCHOOL LOANS

[Artistic]

but im not doing this specifically to become a teacher. im doing it to get the most out of a quality education.

i don't know what you mean by this.

it sounds like you plan on teaching in some form. so I'd suggest to just get your bachelor's and be a teacher.

some people fall in love with the idea of getting a certain degree. I don't really see how any degree beyond your bachelors is really gonna benefit you. Unless you really want to be a professor.

i think you should try to minimize the loans you will have to take.

 

[Rusto]

its not only about money...getting educated and knowing a lot of stuff makes you feel good, and improves your character in a lot of ways. (im not talking down on folks w/out a degree)
Also, people with a college degree are a more valuable asset to any commpany and makes you more likely to get promoted.

 

[Stealth]

if you could take it back would you? going to culinary school that is.


so if you could take it back would you? is there any way to lower those monthly payments?

I could lower the monthly payments if I paid 10-15% of my income. By if my income ever becomes $200,000 and I'm paying 15%, then my loans would suddenly be $30,000 a year. So I'd rather have a fixed rate. The way I see it is, this is going to be the LEAST I ever make. I can only go up from here. So if I can survive paying $815 today, it'll be a hell of a lot easier to do in 5 years.

You gotta realize that people giving you advice are at a snapshot moment in their young careers. We're all disgruntled because we're young and our jobs aren't the shit like we thought. But in 10 years, it'll all fall into place. We'll continue moving up in our careers, making more money, doing cooler stuff. It sucks now, but I'm keeping faith.

As far as would I take it back? Fuck no. I learned so much in grad school. Not just stuff I can use for my job, but just different ways to think, different ways to tackle adversity, life skills, shit like that. It was one of the most challenging and rewarding things I'd ever done. If I'm poor for the rest of my life and I go bankrupt because of it, you still can't come in and take that knowledge away from me. I'm a better person for it.

 

[Stealth]

But fuck everyone who's parents paid for that shit.

 

[carl winslow]

I could lower the monthly payments if I paid 10-15% of my income. By if my income ever becomes $200,000 and I'm paying 15%, then my loans would suddenly be $30,000 a year. So I'd rather have a fixed rate. The way I see it is, this is going to be the LEAST I ever make. I can only go up from here. So if I can survive paying $815 today, it'll be a hell of a lot easier to do in 5 years.

You gotta realize that people giving you advice are at a snapshot moment in their young careers. We're all disgruntled because we're young and our jobs aren't the shit like we thought. But in 10 years, it'll all fall into place. We'll continue moving up in our careers, making more money, doing cooler stuff. It sucks now, but I'm keeping faith.

As far as would I take it back? Fuck no. I learned so much in grad school. Not just stuff I can use for my job, but just different ways to think, different ways to tackle adversity, life skills, shit like that. It was one of the most challenging and rewarding things I'd ever done. If I'm poor for the rest of my life and I go bankrupt because of it, you still can't come in and take that knowledge away from me. I'm a better person for it.

But fuck everyone who's parents paid for that shit.

i highly respect everyones input in this thread, and i really appreciate it. though different, everyone had a great point. but im really diggin these last two. not that other people's views aren't valid, but i really wanted to hear from someone who is actually in the situation i may be in. and you basically said what i was hoping to hear. thank you.

so there isnt any kind of siccness.net foundation that gives scholarships to siccness users trying to go to college? there should be with all the money this site must make off of promoting tiny doo's and haji springer's albums

 

[MKB]

But fuck everyone who's parents paid for that shit.

My parents worked hard to put my sister and me through school (and currently my brother at the CC) they wanted us to have better opportunities than they had. When I was in school I said fuck those spoiled ass kids who didn't even have to fill out a fafsa and never even considered going to a community college first but really I think it bothered me that they didn't seem to appreciate it they acted like they were entitled to it. But I have a lot of respect for anyone that can put themselves through school because it is expensive and stressful, I saved up $10k working while I was at the community college and between rent and living expenses I went through that quick once I started at Berkeley.

But back to the subject good luck with the decision and keep us updated on what you decide. I can tell you I do regret not getting my masters sometimes but mostly because of a few of the classes I missed out on. I still wonder if I should go back sometimes and if my job would pay for it I probably would. If you can find a company that will hire you and pay for you to get a masters that would be the best option but I have no idea if that would even be possible for what you are looking to do.

 

[GHP]

to be blunt mr winslow you don't need a PHD to be a teacher. You can be a teacher with a bachelors from pretty much any college or university.

if he wants to be a college professor he will need a masters or PHD depending on what level classes he wants to teach. All of my teachers have masters degrees and I'm at a CC. My friend is 3rd year at ASU and he says his teachers are holding PHDs.

 

[Stealth]

My parents worked hard to put my sister and me through school (and currently my brother at the CC) they wanted us to have better opportunities than they had. When I was in school I said fuck those spoiled ass kids who didn't even have to fill out a fafsa and never even considered going to a community college first but really I think it bothered me that they didn't seem to appreciate it they acted like they were entitled to it. But I have a lot of respect for anyone that can put themselves through school because it is expensive and stressful, I saved up $10k working while I was at the community college and between rent and living expenses I went through that quick once I started at Berkeley.

But back to the subject good luck with the decision and keep us updated on what you decide. I can tell you I do regret not getting my masters sometimes but mostly because of a few of the classes I missed out on. I still wonder if I should go back sometimes and if my job would pay for it I probably would. If you can find a company that will hire you and pay for you to get a masters that would be the best option but I have no idea if that would even be possible for what you are looking to do.

Anyone who appreciates the value of an education is cool in my book. There's just a lot of kids who go in there and have their parents pay for everything and get a .6 GPA their first semester. If I ever get the chance, I'll contribute to my kids going to college, but I'm gonna make them pay their own share just to teach them something. Not trying to knock anyone who had a little bit of extra help in life. I just hate the people who don't take advantage of an opportunity that a lot of people didn't have.

 

[big D]

College is a scam. Most classes don't teach any relevant workplace knowledge. The knowledge needed for many jobs can be summed up in a quarter of the classes you're forced to take.

If you're going to go...don't take out loans and work while in school. Live cheaply and get all pre-reqs at a CC. Then transfer two a cheap 4 year univ to get your degree. Most employers will promote you if you're good at what you do. If you're a clueless employee it will show, even if you went to a great school or have a prestigious certification (like a CPA). You'd be surprised how many professionals I've worked with that are good at taking tests (to graduate with great grades) and interviews to get jobs, but have no analytical skills or common sense at all. Don't go to school just to go.....find something you're passionate about.

 

[Artistic]

although i agree that college is an overly formal excercise of memorization to a large extent I have to argue what you said a lil.^^

Depending on your major college can seem like a scam once you're out in the real world and done with school. See if you study lsomething ike engineering or molecular biology a lot of what you study and learn is vital information for your future career. Now if you take Mass Comm or Chicano Studies as your major much of what you study may not really be applicable to whatever career you end up in down the line.

I was advised to find what i was passionate about and make that my major. If i were gonna give advice to someone who was about to start college I'd tell them to try to find their passion but also try to find some practical way to use that passion. I think people romantacize the idea of college a lot of times when they're advising people how to go about college. They get nostalgic or something and forget that being practical is important along with finding your passion.