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this post was submitted on 23 May 2024
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the coolest thing about the federal student loan program, besides how the servicing of the loan has been privatized since god knows when and is naturally rife with complaints and scandal, is that for as far back as i can remember, the "subsidized" rate that the federal government will loan a qualifying (low-income) college student money has always been higher than the interest rate someone can get from a private loan to buy a house. and of course the loans at the subsidized rate are not enough to cover costs at an in-state school, so you also have to take out "unsubsidized" loans from the federal government, which are like double the interest rate of the subsidized loans. and, those are not often enough either, to cover housing, so then you get into private loans.
and none of these can be discharged due to bankruptcy, specifically due to the efforts of the senator from MBNA, Joe Biden.
Thank you for saying this because people always conveniently forget this part. I went to a "budget" state school and subsidized loans only covered maybe half of any given semesters tuition and nothing else. If you needed to make rent, eat food or pay for the rest of tuition you needed to find money elsewhere. I worked full-time through school and still barely was able to to survive and had to take additional loans.
I remain astonished at how he is the personal architect of so many crises"
Its insane what they can do too. Mine was -sold- to another company, who bungled my birthdate and made it extremely difficult to do anything. Eviliest country in the world where your debt can be sold to some other ghoul without your permission.