Cancelling Student Debt

There's also value in being a male role model and earning a living, no? There's value in applying that degree.

I hope deez is gainfully employed upon return, in most fields if you sit out for extended periods of time it's hard to regain a good position. I wish him the best

Deez appears to be a positive role model to Deez Jr. I trust Mrs. Deez is applying her degree for work, but you are right it can certainly be tough to come back.

Since you all are getting personal here (on something that has nothing to do with the underlying issue), here are our reasons for our family's arrangement. First, we like the quality of life here. I talk about the great beer and travel, but that's not our real ambition. The real benefit is time. We have a lot of family time, and we value it a lot. We value it more than money (though we do reasonably well) and more than I value practicing law. If we lived in Texas and practiced law, I wouldn't have a tenth of the family time I have now.

Second, I care about my son's education a lot. The educational opportunities of the public school system are ****. Yes, the politics of the system are hideous, but even if they weren't, the academic standards are in the toilet and only getting worse. The reading, math, and science curricula are crap. We wanted better for our own kid, so we homeschool him. I do this with guidance from Mrs. Deez, who's not only a master teacher in her own right but a curriculum specialist. She knows what she's doing. Furthermore, the curriculum she has put together is working wonders. He was behind in math and reading when we started two years ago - not because he isn't smart or because his teachers were bad but because the curriculum was garbage. He is far ahead in everything now. Second, Mrs. Deez has significant medical limitations. In fact, she's having a major surgery on Saturday. I can't be away at an office for 10+ hours per day plus a commute. She needs my help on a daily basis.

Third, if I really wanted to go back and practice law, I could. I have and maintain very significant connections in Austin, Houston, Waco, and the DFW area - close friends who hire lawyers themselves and are connected with others who do. One of them came to visit me three weeks ago and tried to get me to come back again. If I wanted to, I would have no trouble getting hired again.

Fourth, yes, it's good for a child to have a male role model who's working, but it's also good to have a male role model who's present. The bigger problem in our society right now isn't fathers who aren't working. It's fathers who are absent and/or checked out (whether working or not). I'm neither of those. I may not have a job, but I'm a very hardworking guy, and our son sees how productive I am. He also sees and appreciates what I do for him.

Yes, he knows our arrangement is unusual and not for everyone, and he knows why. He knows what's "normal," and we're encouraging him to go in that direction. We push career and work for him, and he wants that in his own life.

Finally, why should I come back? Unless something terrible happens, I don't need to. We have a good situation here. We make good money, have excellent medical insurance, excellent retirement, etc. Why would I leave that to work 60 hours a week in perpetual pissing matches with insurance adjusters, sit on Mopac or 360 for 2 hours a day, and live in crappy weather like I used to?

Yes, I had to give up my political ambitions, but how promising were those anyway? I'm way too fiscally and socially conservative to be anywhere near the Democratic Party, and most Republican primary voters I engaged with couldn't get beyond giving me a bunch of crap for being a "trial lawyer" (though both firms I worked for were run by conservative Christians) and frankly, I got sick of explaining and defending myself to them.

I know some other trial lawyers in the GOP play the game and are kinda apologetic for what they do just to try to move past it and keep from pissing off TLR. Well, I can't do that. TLR is a bunch of corrupt MoFos, and I'm not going to pretend they aren't. I believed in what I did, and I love and revere the 7th Amendment like I do the 2nd Amendment. I don't apologize for it, and **** anybody who would expect me to. If I got elected, I would fight those who try to hurt the 7th Amendment, like I would fight those who try to hurt the 2nd Amendment. If I didn't, I'd be violating both the oath I took when I became a lawyer and the oath of any office I'd assume if I won. And it would end my career in one term. So I don't consider the loss of my political ambitions to be of much value.
 
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Mr Deez
I am 100% sure we all are sorry you felt you had to divulge such personal information
BUT I also am 100% sure our respect for you has sky rocketed.
You have your feet solidly on the right ground.
Ok yea sometimes you shoot me down and I don't agree but you "usually" can back it up but :headbang: not always which keeps me coming back.
Your son is lucky and like you recognize your own parents good counsel he will too.

Let's all move on
EXCEPT for your totally wrong opinion on Farrah. Watch the Burning Bed when you can and get back to us.
 
Since you all are getting personal here (on something that has nothing to do with the underlying issue), here are our reasons for our family's arrangement. First, we like the quality of life here. I talk about the great beer and travel, but that's not our real ambition. The real benefit is time. We have a lot of family time, and we value it a lot. We value it more than money (though we do reasonably well) and more than I value practicing law. If we lived in Texas and practiced law, I wouldn't have a tenth of the family time I have now.

Second, I care about my son's education a lot. The educational opportunities of the public school system are ****. Yes, the politics of the system are hideous, but even if they weren't, the academic standards are in the toilet and only getting worse. The reading, math, and science curricula are crap. We wanted better for our own kid, so we homeschool him. I do this with guidance from Mrs. Deez, who's not only a master teacher in her own right but a curriculum specialist. She knows what she's doing. Furthermore, the curriculum she has put together is working wonders. He was behind in math and reading when we started two years ago - not because he isn't smart or because his teachers were bad but because the curriculum was garbage. He is far ahead in everything now. Second, Mrs. Deez has significant medical limitations. In fact, she's having a major surgery on Saturday. I can't be away at an office for 10+ hours per day plus a commute. She needs my help on a daily basis.

Third, if I really wanted to go back and practice law, I could. I have and maintain very significant connections in Austin, Houston, Waco, and the DFW area - close friends who hire lawyers themselves and are connected with others who do. One of them came to visit me three weeks ago and tried to get me to come back again. If I wanted to, I would have no trouble getting hired again.

Fourth, yes, it's good for a child to have a male role model who's working, but it's also good to have a male role model who's present. The bigger problem in our society right now isn't fathers who aren't working. It's fathers who are absent and/or checked out (whether working or not). I'm neither of those. I may not have a job, but I'm a very hardworking guy, and our son sees how productive I am. He also sees and appreciates what I do for him.

Yes, he knows our arrangement is unusual and not for everyone, and he knows why. He knows what's "normal," and we're encouraging him to go in that direction. We push career and work for him, and he wants that in his own life.

Finally, why should I come back? Unless something terrible happens, I don't need to. We have a good situation here. We make good money, have excellent medical insurance, excellent retirement, etc. Why would I leave that to work 60 hours a week in perpetual pissing matches with insurance adjusters, sit on Mopac or 360 for 2 hours a day, and live in crappy weather like I used to?

Yes, I had to give up my political ambitions, but how promising were those anyway? I'm way too fiscally and socially conservative to be anywhere near the Democratic Party, and most Republican primary voters I engaged with couldn't get beyond giving me a bunch of crap for being a "trial lawyer" (though both firms I worked for were run by conservative Christians) and frankly, I got sick of explaining and defending myself to them.

I know some other trial lawyers in the GOP play the game and are kinda apologetic for what they do just to try to move past it and keep from pissing off TLR. Well, I can't do that. TLR is a bunch of corrupt MoFos, and I'm not going to pretend they aren't. I believed in what I did, and I love and revere the 7th Amendment like I do the 2nd Amendment. I don't apologize for it, and f**k anybody who would expect me to. If I got elected, I would fight those who try to hurt the 7th Amendment, like I would fight those who try to hurt the 2nd Amendment. If I didn't, I'd be violating both the oath I took when I became a lawyer and the oath of any office I'd assume if I won. And it would end my career in one term. So I don't consider the loss of my political ambitions to be of much value.

I'm retired, and even I don't have the available time to post something that long...

I wish you well in your endeavors. Me personally, I'd have worked until my loans were paid off before leaving the workforce. It says a good bit about our differences.
 
I'm retired, and even I don't have the available time to post something that long...

That took me about 30 minutes to write. I did it after my son went to bed and while the wife was wrapping up some of her work from the house.

I wish you well in your endeavors. Me personally, I'd have worked until my loans were paid off before leaving the workforce. It says a good bit about our differences.

Two things. First, my son and wife need me now, not in 2030 when my loans are paid off. Second, I went to school when tuition was at least in the zone of reasonableness, so my loans aren't that high. I could pay them off tomorrow if I wanted to. I don't because I can easily afford the payment and because my extra money is growing faster than the interest on my loans.

I'm not concerned about this issue because of myself. I'll be just fine. I'm concerned for others and the future. What's going to happen in 10 or 20 years? Will it cost $1M to go to law or medical school? I'm not going to righteously dismiss it because I personally can pay off my college and law school that cost wildly less than what people have to pay now.
 
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Since you all are getting personal here (on something that has nothing to do with the underlying issue), here are our reasons for our family's arrangement. First, we like the quality of life here. I talk about the great beer and travel, but that's not our real ambition. The real benefit is time. We have a lot of family time, and we value it a lot. We value it more than money (though we do reasonably well) and more than I value practicing law. If we lived in Texas and practiced law, I wouldn't have a tenth of the family time I have now.

Second, I care about my son's education a lot. The educational opportunities of the public school system are ****. Yes, the politics of the system are hideous, but even if they weren't, the academic standards are in the toilet and only getting worse. The reading, math, and science curricula are crap. We wanted better for our own kid, so we homeschool him. I do this with guidance from Mrs. Deez, who's not only a master teacher in her own right but a curriculum specialist. She knows what she's doing. Furthermore, the curriculum she has put together is working wonders. He was behind in math and reading when we started two years ago - not because he isn't smart or because his teachers were bad but because the curriculum was garbage. He is far ahead in everything now. Second, Mrs. Deez has significant medical limitations. In fact, she's having a major surgery on Saturday. I can't be away at an office for 10+ hours per day plus a commute. She needs my help on a daily basis.

Third, if I really wanted to go back and practice law, I could. I have and maintain very significant connections in Austin, Houston, Waco, and the DFW area - close friends who hire lawyers themselves and are connected with others who do. One of them came to visit me three weeks ago and tried to get me to come back again. If I wanted to, I would have no trouble getting hired again.

Fourth, yes, it's good for a child to have a male role model who's working, but it's also good to have a male role model who's present. The bigger problem in our society right now isn't fathers who aren't working. It's fathers who are absent and/or checked out (whether working or not). I'm neither of those. I may not have a job, but I'm a very hardworking guy, and our son sees how productive I am. He also sees and appreciates what I do for him.

Yes, he knows our arrangement is unusual and not for everyone, and he knows why. He knows what's "normal," and we're encouraging him to go in that direction. We push career and work for him, and he wants that in his own life.

Finally, why should I come back? Unless something terrible happens, I don't need to. We have a good situation here. We make good money, have excellent medical insurance, excellent retirement, etc. Why would I leave that to work 60 hours a week in perpetual pissing matches with insurance adjusters, sit on Mopac or 360 for 2 hours a day, and live in crappy weather like I used to?

Yes, I had to give up my political ambitions, but how promising were those anyway? I'm way too fiscally and socially conservative to be anywhere near the Democratic Party, and most Republican primary voters I engaged with couldn't get beyond giving me a bunch of crap for being a "trial lawyer" (though both firms I worked for were run by conservative Christians) and frankly, I got sick of explaining and defending myself to them.

I know some other trial lawyers in the GOP play the game and are kinda apologetic for what they do just to try to move past it and keep from pissing off TLR. Well, I can't do that. TLR is a bunch of corrupt MoFos, and I'm not going to pretend they aren't. I believed in what I did, and I love and revere the 7th Amendment like I do the 2nd Amendment. I don't apologize for it, and f**k anybody who would expect me to. If I got elected, I would fight those who try to hurt the 7th Amendment, like I would fight those who try to hurt the 2nd Amendment. If I didn't, I'd be violating both the oath I took when I became a lawyer and the oath of any office I'd assume if I won. And it would end my career in one term. So I don't consider the loss of my political ambitions to be of much value.
Prayers for Mrs. Deez. Hope all goes well.
 
Since you all are getting personal here (on something that has nothing to do with the underlying issue), here are our reasons for our family's arrangement. First, we like the quality of life here. I talk about the great beer and travel, but that's not our real ambition. The real benefit is time. We have a lot of family time, and we value it a lot. We value it more than money (though we do reasonably well) and more than I value practicing law. If we lived in Texas and practiced law, I wouldn't have a tenth of the family time I have now.

Second, I care about my son's education a lot. The educational opportunities of the public school system are ****. Yes, the politics of the system are hideous, but even if they weren't, the academic standards are in the toilet and only getting worse. The reading, math, and science curricula are crap. We wanted better for our own kid, so we homeschool him. I do this with guidance from Mrs. Deez, who's not only a master teacher in her own right but a curriculum specialist. She knows what she's doing. Furthermore, the curriculum she has put together is working wonders. He was behind in math and reading when we started two years ago - not because he isn't smart or because his teachers were bad but because the curriculum was garbage. He is far ahead in everything now. Second, Mrs. Deez has significant medical limitations. In fact, she's having a major surgery on Saturday. I can't be away at an office for 10+ hours per day plus a commute. She needs my help on a daily basis.

Third, if I really wanted to go back and practice law, I could. I have and maintain very significant connections in Austin, Houston, Waco, and the DFW area - close friends who hire lawyers themselves and are connected with others who do. One of them came to visit me three weeks ago and tried to get me to come back again. If I wanted to, I would have no trouble getting hired again.

Fourth, yes, it's good for a child to have a male role model who's working, but it's also good to have a male role model who's present. The bigger problem in our society right now isn't fathers who aren't working. It's fathers who are absent and/or checked out (whether working or not). I'm neither of those. I may not have a job, but I'm a very hardworking guy, and our son sees how productive I am. He also sees and appreciates what I do for him.

Yes, he knows our arrangement is unusual and not for everyone, and he knows why. He knows what's "normal," and we're encouraging him to go in that direction. We push career and work for him, and he wants that in his own life.

Finally, why should I come back? Unless something terrible happens, I don't need to. We have a good situation here. We make good money, have excellent medical insurance, excellent retirement, etc. Why would I leave that to work 60 hours a week in perpetual pissing matches with insurance adjusters, sit on Mopac or 360 for 2 hours a day, and live in crappy weather like I used to?

Yes, I had to give up my political ambitions, but how promising were those anyway? I'm way too fiscally and socially conservative to be anywhere near the Democratic Party, and most Republican primary voters I engaged with couldn't get beyond giving me a bunch of crap for being a "trial lawyer" (though both firms I worked for were run by conservative Christians) and frankly, I got sick of explaining and defending myself to them.

I know some other trial lawyers in the GOP play the game and are kinda apologetic for what they do just to try to move past it and keep from pissing off TLR. Well, I can't do that. TLR is a bunch of corrupt MoFos, and I'm not going to pretend they aren't. I believed in what I did, and I love and revere the 7th Amendment like I do the 2nd Amendment. I don't apologize for it, and f**k anybody who would expect me to. If I got elected, I would fight those who try to hurt the 7th Amendment, like I would fight those who try to hurt the 2nd Amendment. If I didn't, I'd be violating both the oath I took when I became a lawyer and the oath of any office I'd assume if I won. And it would end my career in one term. So I don't consider the loss of my political ambitions to be of much value.

There are universal truths and particular circumstances within which we all have to operate. You have to take both into consideration which you obviously are.
 
I appreciate Deez around here in part because of how thorough and detailed his commentary is! I hope you didn't think I was attacking you - it was intended to be on your side you. Perhaps it wasn't clear above, I completely support mom working full time and dad being the stay at home parent. My 10-year-old's best friend's parents have that arrangement. Then last, prayers for a successful surgery on Saturday for the Mrs!
 
IMO, we should start with three actions that put the onus back where it should be. The universities and the students.

1. Every .....EVERY....incoming student should have to take a personal finance class right out of the gate. and at least 1 early week of that course should be devoted to "what color is my parachute", job prospects and salary expectations for chosen fields. I was in mortgage for a while so i saw many thousands of people's credit scores, assets/liabilities, salary, etc and financial literacy of many people (even college educated ) is appalling.
2. State colleges and any other college receiving federal aid should have prices locked in and only allowed to increase at COLA rates.
3. graduates should be able to file a comp claim against their graduating university if they can't get hired out of school. you get a 2% tuition rebate for every month you stay unemployed or something like that.
--- this would shut down the degree mills and make sure that universities are focusing on employability when designing degree programs.

It is a crying shame that this country has been bemoaning the lack of IT/cyber people for more than a decade while people are taking crap degrees in DEI stuff.
 
Instead you could undo the laws put in place over the last decade that caused the problem. Adding more laws and regulations on top will cause unintended but negative consequences that will then have to be "solved" with more government.
 
BOSD
You make good points 1 and 2
#3 ? Absolutely not.Too many variables .
sure. a lot of variables but it would put the onus on the institution that is most capable of responding to those variables. i realize it's a pipe dream but putting universities in the position of having to pay up if their degrees are pointless and worthless would persuade them to focus on value and on turning out graduates that can become employed. Certainly there are many in college that don't have a plan to become employed (the Mrs. degree plan) and exceptions could be made but giving students recourse against overpriced and undervalue education would modify university behavior.
 
Y'all should look into the new payment ideas Purdue has used recently. President Mitch Daniels has been leading the way. You actually don't need NEW laws. Take away the current government laws which prop up this perverse system. I provided a tweet a couple of weeks ago that listed each law and when they were passed that created the incentives which have created the out of control university prices. Wind down government don't keep building on top of failed laws and policy. Make universities compete on the value they provide students. Let universities fail. Let students have recourse in the courts.

Do that and every university will be looking on their own for ways to reduce cost and provide a better product for students.
 
Let students have recourse in the courts.

You'd have to change laws to give students recourse in the courts. Public universities are going to have sovereign immunity. You'll never reach the evidentiary burden to bring a fraud or deceptive trade action against a private university. You'll never prove intent (so no fraud), and their claims about their school would never be specific enough to constitute a deceptive trade practice.
 
You'd have to change laws to give students recourse in the courts. Public universities are going to have sovereign immunity. You'll never reach the evidentiary burden to bring a fraud or deceptive trade action against a private university. You'll never prove intent (so no fraud), and their claims about their school would never be specific enough to constitute a deceptive trade practice.

I just meant bankruptcy kind of stuff
 
I just meant bankruptcy kind of stuff

I'm for letting them discharge in bankruptcy (again, only if it's part of fixing the system), but I do have to recognize that this would effectively mean the taxpayer bailing them out if no liability is imposed on the universities (either directly by the borrower or subrogated to the government).
 
I went to college in the late 80’s. My view on the matter was set then and hasn’t changed: only 25% of the population needs a 4 year degree. The rest can get additional education at 2 year community colleges or vocational school. The whole spiel about college education was key to life was one big fat lie.
 
I went to college in the late 80’s. My view on the matter was set then and hasn’t changed: only 25% of the population needs a 4 year degree. The rest can get additional education at 2 year community colleges or vocational school. The whole spiel about college education was key to life was one big fat lie.
In The Incredibles, the villain was intent on selling his tech to governments, but ultimately to the masses because, as he said, "When everyone is super, no one will be."

The same principle applies to education. When everyone holds a Bachelor's degree, it may as well be that no one does. They will be completely worthless.
 
In The Incredibles, the villain was intent on selling his tech to governments, but ultimately to the masses because, as he said, "When everyone is super, no one will be."

The same principle applies to education. When everyone holds a Bachelor's degree, it may as well be that no one does. They will be completely worthless.

Then they'll tell everyone to get master's degrees. That's already started.
 
I went to college in the late 80’s. My view on the matter was set then and hasn’t changed: only 25% of the population needs a 4 year degree. The rest can get additional education at 2 year community colleges or vocational school. The whole spiel about college education was key to life was one big fat lie.

College is fine if you have a clear and intentional career path and ambition. I think we now have a lot of kids going because it's "what you do" after high school. Very foolish.
 
College is fine if you have a clear and intentional career path and ambition. I think we now have a lot of kids going because it's "what you do" after high school. Very foolish.
In my estimation, only 25% of the populace has both the intelligence and the ambition for college. Colleges expanded the definition of who’s worthy for college based on ability to pay, either by cash or by loan. Classic case of using the wrong metric to determine success.
 
In my estimation, only 25% of the populace has both the intelligence and the ambition for college. Colleges expanded the definition of who’s worthy for college based on ability to pay, either by cash or by loan. Classic case of using the wrong metric to determine success.
One obvious proof of this is the number of remedial English, Writing, etc. classes offered. Used to be if you were poor at reading and writing, you were washing out of college after your first semester.
 
Is #3 "for real"?

Probably. A good friend of mine flunked out of college in the '90s. He came back in '15 and graduated near the top of his class in a much tougher major. I asked why the big difference and if he studied more. He said, "I don't study more, and I'm not smarter. The kids have just gotten so dumb that I seem smart now."

Chris Rock called community college "a disco with books." Now universities are with a big helping of woke ideology.
 

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