That's a good list. But, in the US in 2020, none of that shit matters. Everything on your "good" list is outsourced because .. we can't be forcing businesses to actually pay their employees. and everything on the "bad" list is ... just as you say. US citizens have been brainwashed to believe poor people and minorities do not need history being brought up in every fucking conversation. The only jobs worth having would be something that someone needs and can't be outsourced - plumbers, electricians, carpenters ... That's where I suggest your kids focus their efforts.
A big problem with determining what degrees are "useful" is that the things that it is good to have a society with knowledge of often do not line up with the things that are more profitable for an individual to pursue. This is getting so close to the conclusion that guaranteed employment would be good for society (and tbh is probably a necessary step on the road to UBI).
Politicians ensure students can take out loans to keep money flowing to the educational establishment. Educational establishment happy. Politicians get support from educational establishment. Politicians happy. Banks collect interest on loans that can't be discharged. Banks happy. Student crushed by heavy debt for years and years. Well, not everyone can be happy.
After reading and hearing more, the proposal with the most strength is simply forgiving up to $10K debt. That this encompasses most who either got less marketable degrees or dropped out, they stand to benefit the best from any proposal. The rest need bankruptcy protection and the rules need to be changed immediately so more don't fall prey to predatory student loans and schools.
I haven't paid my loans since March 2020. But that doesn't quite count since they'll restart in May...
Biden is canceling up to $10K in student loans, $20K for Pell Grant recipients So for those making under $125k, $10k of federal student loan debt will be forgiven, or $20k if you received a Pell grant. This counts for graduate loans too. Loan payments are getting one final pause until the end of the year. From what I've read, a provision in the IRA makes it so this loan forgiveness is not taxable. While I think this is good, there are obviously still a lot of problems with this. The loan forgiveness should have been a higher amount for one (the average PPP loan forgiveness was $90k-$100k...). Second, the income cap is rather bullshit in more economically developed parts of the country where $125k is barely getting by. Or else a lot of people (including me) have chosen to seek out higher paying jobs for 5-10 years to make a dent in their loan payments, before switching to a less demanding job. Would I have rather taken a sub-$125k job if all or some of my debt would be forgiven? Absolutely. Still, a good step forward. I hope there are more substantial fixes to come, but I won't get my hopes up.
Pretty much my thoughts on it. It's a good start, but damn if we can drop $800 billion on military spending, $70 billion to Ukraine, and trillions upon trillions into the stock market to hold it up, we can easily cancel the entirety of student debt without the idiotic means testing or the constant asking of "how do we pay for it?" because it only ever seems to crop up when people are getting help rather than corporations.
It's definitely a good start, but definitely more needs to be done. My child's 1st semester bill is over $11K. Multiply that by 4 years. 10K would be barely a dent in it. Luckily, my ex and I are in a financial position that we can pay outright - well, monthly payments, but we don't have to take out a loan for him. If we did though, 10K forgiveness would not be a lot of help.
I currently owe $29,681.45, and I should qualify for the $20k, so it'll cover 67%. Like everyone else, this is good, but more needs to be done. At the very least, increase the maximum amount of Pell grants so it at least covers tuition and books.
How nice. I had to pay off my debts myself, but entitled little shits who willfully signed on the dotted line for useless degrees that don't pull down a paycheck, they're off the hook.
Since we just print money out of thin air and apparently don't ever have to pay any of it back why not just make everyone millionaires? Who cares, right comrades?
Why does the rule of law matter so much to you when it directly harms people? Usury used to be a coercive abuse of the economic system that people fought against, because ruinous debt is akin to slavery. Now you advocate for it. Why?
I kind of want to hear his thoughts on when slavery was legal now. If he really is pushing a legalist position, where the law is justified whether fair or not, and must be followed, again whether fair or not, then he has an interesting opinion on slavery, I'm sure. I'd like to hear it. Anything on that one, @Bill Carson? Were slaves wrong for attempting to free themselves? It's only one question.
You do realize that there are certain contracts that are void or voidable as a matter of law, right? You're trying to make a broad, all-encompassing inquiry without actually understanding contract law.
Integrity is knowing when you're being cheated and not accepting the rulings of a criminal class that exploits your debt for personal gain. What you're describing is not integrity, but compliance in the face of injustice.