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As anyone with a working brain would expect, these losers ALWAYS blame someone and/or something else for their bad decisions and clueless choices made. I'm 71 & retired but still have a mortgage balance; I should damn well be forgiven what I owe, right??
Oh you got to retire? Thats nice. this generation will be lucky to have a quality job long enough to retire.
As anyone with a working brain would expect, these losers ALWAYS blame someone and/or something else for their bad decisions and clueless choices made.
I'm 71 & retired but still have a mortgage balance; I should damn well be forgiven what I owe, right??
This thread is not about mortgages. To discuss "losers" with mortgages in retirement, I suggest you start your own thread in order to keep this one on topic.
Student loan debt cannot be discharged by Bankruptcy whether it's chapter 7 or 13. Even if you borrowed it from the bank as opposed to the government, you still cannot discharge it. You're stuck with it.
Not true. It's much harder. You have to file extra paperwork and prove that repaying the loans is an undue hardship to the judge.
But they drop out of college at a much higher rate. Many do complete it, but community college students drop out at a significantly higher rate than those who start at universities.
Not true if you’re talking about comparing students who enter university as freshman vs those who transfer in as juniors from community college. That’s because there’s a big attrition rate after freshman year, and the transfers have already moved beyond that point.
Universities know that community college graduates with a B average are more likely to graduate than an entering freshman, who hasn’t proven himself with any post- high school level work. That’s why universities are so generous with transfer scholarships: they know the holder of an A.A. degree is a good bet.
Not true if you’re talking about comparing students who enter university as freshman vs those who transfer in as juniors from community college. That’s because there’s a big attrition rate after freshman year, and the transfers have already moved beyond that point.
Universities know that community college graduates with a B average are more likely to graduate than an entering freshman, who hasn’t proven himself with any post- high school level work. That’s why universities are so generous with transfer scholarships: they know the holder of an A.A. degree is a good bet.
The largest attrition rate is actually after senior year...
Not true if you’re talking about comparing students who enter university as freshman vs those who transfer in as juniors from community college. That’s because there’s a big attrition rate after freshman year, and the transfers have already moved beyond that point.
Universities know that community college graduates with a B average are more likely to graduate than an entering freshman, who hasn’t proven himself with any post- high school level work. That’s why universities are so generous with transfer scholarships: they know the holder of an A.A. degree is a good bet.
Many schools don't allow transfer students at all. My undergraduate school did not, for example.
This thread is not about mortgages. To discuss "losers" with mortgages in retirement, I suggest you start your own thread in order to keep this one on topic.
Gee, not about mortgages; I must have missed that.
But I'm really impressed you are a lawyer.
I see this false argument a lot and I always have the same thoughts.
You don't get a free ride for being childless.
When you near retirement who is going to buy your house that has appreciated in value? Not your kids that you raised and spent money on.
When you are 80 and need treatment for a medical condition what young doctor will treat you? Not your kids. But kids or grandkids from your peers who spent money raising those kids to be useful members of society.
It's find if folks choose to not have kids as long as the gap is filled through others that have more than 2 or the gap is filled through immigration. The goal should be a stabilized population. But I believe it is false to say that childless adults don't benefit from the kids raised by other adults.
1. I live in CA, and have no plan on selling my house when I retire. My nonexistent kids can do whatever they want with it when I am gone.
2. What if I die before retirement? lol.
Although your examples are a little off, I overall agree with you 100%. That was my point. I also think this same logic applies to the people who are now saying "if student loans get forgiven, do I get my mortgage paid, etc".
1. I live in CA, and have no plan on selling my house when I retire. My nonexistent kids can do whatever they want with it when I am gone.
2. What if I die before retirement? lol.
Although your examples are a little off, I overall agree with you 100%. That was my point. I also think this same logic applies to the people who are now saying "if student loans get forgiven, do I get my mortgage paid, etc".
I certainly didn't cover all scenarios. My point that I think you agree with is just that society in general depends on their always being younger people coming up the working ranks. Whether it is first responders, medical professionals, pro athletes or actors/musicians for entertainment, trades people, service people etc. Childless or not few would want to live without them. And they have to be conceived and raised from 0 years to 18 and their is a large cost associated with that.
I don't want to come off as against folks that choose not to have kids. Far from it. We certainly need to stabilize our growth.
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