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Federal and Private student loans are a usury mechanism to enslave a young work force. These debts arise out of necessity not frivolous spending. If you get into trouble and can’t pay what happens? The interest rate sky rockets, the penalties compound, you lose the right to a tax refund, and ultimately you lose your rights to social security, medicare, and your rights as an American citizen. Do not fall into the trap.

If they really think an education is necessary then they need to make it affordable by funding the schools directly which would bring down the price of college for the individual. WHO IN THEIR RIGHT MIND GIVES A 17 YEAR OLD A $15,000 LOAN WITH NO CREDIT OR COLLATERAL? A GOVERNMENT WHO AIMS TO ENSLAVE A YOUNG WORK FORCE, THATS WHO!

Eliminate student loans entirely. Smaller, less wealthy European countries provide free education to their ppl. But in US poor students r denied the ability to better themselves–required to put themselves in debt in order to get an educ &they end up paying more money to go to college than their wealthier friends whose parents pay upfront ’cause loans must b paid back w/interest& fees.

Instead of best&brightest aspiring to prof’l positions, only the wealthiest can attain those positions.

I strongly believe that the governments and the lenders have an agenda..look at the amount of money is being handed out in loans freely. In the long term those who borrow will never repay their debt for a long long time. It’s true high percentage will be enslaved to the system.. Do your research before your apply .
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I borrowed in total $30k for only 1 years worth of college. I left college after I learned of the evils of student loans and I’m completely pissed. Why the **** did nobody tell me this during high school or even my financial aid advisers. Bunch of crooks screwing the American youth over. If you are poor and you wish to get higher education, you are screwed buddy.

I was the son of a 100% disabled female Vietnam veteran when I graduated high school. I was “entitled” to chapter 35 benefits. Instead of the government practicing predatory giving, they practiced predatory lending and I racked up 30k for school. Its now at 53k and I’ve paid 13.5k . They tell me the benefits I should have gone to school with are not retroactive. If I cant hold them accountable, how can they hold me accountable? Its a modern slave trap.

Let’s just hope that the new income-based repayment (IBR) plan is the best thing ever to happen to managing student loan debt. If it’s not, then I won’t hesitate to renounce my U.S. citizenship and live and work in another country, I’m sure a foreign country would LOVE the education and expertise of a U.S.-educated Ph.D. Student loan debt is the new terrorism

no. The IBR program is just another cost shifting program. If you don’t work in a field that qualifies for total forgivness at the end of 25 years, you then pay income tax on the balance, for some of us that amount due will be greater than what we started with. So instead of paying thru Dept of Ed, we pay thru the IRS.
No.. this is not a solution, it is just another avoidance of the real problem: That the student loan industry since the late 1970’s became predatory and exploits students.