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On the issue of student loans, Biden is more Christian than 99% of the Republicans.

Repaying your debts can be found numerous places in the Bible. For example Exodus 22:14 "If a man borrows anything of his neighbor, and it is injured or dies, the owner not being with it, he shall make full restitution". There are countless other examples. On society telling kids they should go to college, that's a different conversation that we likely agree on. I don't think everyone should go to college, and it's not necessary for success. However, if you do go to college and take out loans you are responsible for paying them back. It's the same concept of buying a house. Owning your own home is also part of the American dream, but you don't hear lenders saying they should forgive home loan repayments. Tighter underwriting standards for student debt would go a long way, but like anything, you have to be accountable for your actions.
Is the government supposed to be the neighbor in this context?
 
My first two years of school was paid for by my parents. I got married, fathered a child, and got a job which I worked for two years saving what I could but paying for everything I purchased. I went back to school and worked full time as my wife worked part time waiting tables when I could care for our child. I had to borrow money to pay for my last year of school but I graduated from UGA in 1974. I paid back the loan in two years and I did not ask for a handout from someone else. I incurred the debt and it was my responsibility to pay it off, not pass it on to someone that did not ask for the debt nor own it. Responsibility is what so many of our society do not understand. The bible also says that if you don't work, you don't eat.
It’s not 1974 anymore.

What I want is for our nation to be like it was in 1974.
 
America is substantially different in 2025 than it was when colleges were still on the quarters system.
Not really. Things cost more, people make more. What doesn't change is the fact that people are responsible for their actions and their decisions. Students decide how they apply themselves. Students decide what their field of study is going to be. Students had good GPAs and Bad GPAs, Students have extracurricular activities and Some Don't. Some have Internships and some Don't. All of these things are factors in what kind of job someone gets when they get out of school. Same then as it is now.
 
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Inflation is to Boomers what per capita is to liberals
The fact is that these students know(or should know) the World in which they Live. They should look at everything when they make their decisions. It is no one else's fault but their own if they are not informed and make decisions that they later regret. Personal Responsibility!!
 
The fact is that these students know(or should know) the World in which they Live. They should look at everything when they make their decisions. It is no one else's fault but their own if they are not informed and make decisions that they later regret. Personal Responsibility!!
So are now in agreement that the America Gen Z is inheriting is worse than the America previous generations inherited?
 
Sure, this is a point of disagreement between me and my fellow right wingers on this board. I’ll try to summarize as briefly as I can. *ended up not being that brief*


Our entire educational system/ societal structure (whatever you call it) teaches young people from the time they are 3 to the time they are 18 that if they want a slice of the American dream they must go to college. Going to college is expensive and saddles people with at minimum thousands of dollars of non dischargable debt but America tells its youth not to worry about that because of the promise of the American dream.

But due to a number of reasons, that is rarely true in 2025. Graduating from college no longer secures fulfilling employment which allows young people to purchase a home and start a family (there are exceptions obviously I’m just talking about the general rule). Instead they will be working for a soulless corporate entity, making the same wage their father did 30 years ago when rent, gas, groceries etc has all risen by 300%.

It’s fraud and it’s usurious and if we as a society don’t want millions and millions of young people saddled with debt they will never pay off something has to be done.
Feel bad for you my friend, but your premise is wrong - college promises you nothing, the degree itself is worthless. It is what you do with what you learned that gives you success. This is the greatest country in the world because anyone can succeed. The fact of the matter is we are not all equal in talent, we do not all work as hard, or as smart as each other. That education is meant to give you a leg up but not a guarantee- I know many Gen Z that are thriving. It sounds like you are one of the many that just thought people would be giving you instant success because of a piece of paper.
 
It’s taken 3 pages to figure out this is a troll job. Maybe it’s the parents fault for pressuring some kids to attend college when they have no drive or interest in it.
We all want what’s best for our kids but let’s face it, not all are going to be Dr’s, lawyers or corporate CEO’s. We need more brick masons, Sheetrock finishers, electricians, plumbers, HVAC techs, etc.. Obviously those aren’t the cool professions that you can impress your friends with while sipping a latte. It requires a work ethic that many young adults don’t possess today but the investment from an educational standpoint is less and the pay is really good.
 
Feel bad for you my friend, but your premise is wrong - college promises you nothing, the degree itself is worthless. It is what you do with what you learned that gives you success. This is the greatest country in the world because anyone can succeed. The fact of the matter is we are not all equal in talent, we do not all work as hard, or as smart as each other. That education is meant to give you a leg up but not a guarantee- I know many Gen Z that are thriving. It sounds like you are one of the many that just thought people would be giving you instant success because of a piece of paper.
Exactly, my 4 year BBA in business opened doors but it was up to me to climb the proverbial ladder. Too many young people today want now what took their parents 20-25 years to earn.
 
Student loans are usurious.

Gen Z is entering into the worst American market in living memory saddled with more debt than any American generation. They can’t discharge this debt and societies owe it to the younger generation to ensure they have a fair chance to make it in life.

Ensuring they don’t is how revolutions happen.
Teaching our young Americans, the basic concepts of responsibility and commitment, far outweighs exposing them to another free give-a-way program. I was lucky enough to have participated in a student loan program, and I felt the obligation to pay it back as soon as I could. I actually felt proud when I wrote the final check and enclosed a nice thank you note when I sent it.
 
I 100% agree with you here. However, what I’m having a hard time understanding is how this makes him “more Christian.”
I’m so confused by this correlation or why it even matters what his religious beliefs are in terms of an economic consideration like student loans.
 
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not so sure it’s most, more like many choose not to pay back…I do think the colleges charge too much, but that’s another topic. There’s some corruption, some that are over paid in the education system…definitely needs to be scrutinized and held more accountable.
I hope Trump does something about the mess that it is in. I don’t think he will make the taxpayers pay for the loans though.
 
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Sure, this is a point of disagreement between me and my fellow right wingers on this board. I’ll try to summarize as briefly as I can. *ended up not being that brief*


Our entire educational system/ societal structure (whatever you call it) teaches young people from the time they are 3 to the time they are 18 that if they want a slice of the American dream they must go to college. Going to college is expensive and saddles people with at minimum thousands of dollars of non dischargable debt but America tells its youth not to worry about that because of the promise of the American dream.

But due to a number of reasons, that is rarely true in 2025. Graduating from college no longer secures fulfilling employment which allows young people to purchase a home and start a family (there are exceptions obviously I’m just talking about the general rule). Instead they will be working for a soulless corporate entity, making the same wage their father did 30 years ago when rent, gas, groceries etc has all risen by 300%.

It’s fraud and it’s usurious and if we as a society don’t want millions and millions of young people saddled with debt they will never pay off something has to be done.
I have the following questions: 1) Why do students borrow money and obtain worthless degrees, and expect someone to bail them out? 2) How can anyone be a Christian and be in favor of murdering millions of God's creatures in the womb? 3) Is it Christian to be in favor of same sex marriage?
 
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I think you just answered your own question as to fraud.


I hate Biden as much as the next guy but please provide any examples of Republicans daring to touch higher education bank accounts.

I’ve made the suggestion multiple times in here that republicans should seize every endowment to pay off student debt and the reactions on here are telling.



Brother you can’t saddle the young generation with debt and then subject them to an economy, which by and large prohibits them from paying the debt back. Gen Z was subjected to the highest cost of education, and then sent out into the market place which actively discriminated against young men and is now home to millions and millions of foreign laborers, cost of living increases, and inflation.

That was never part of the promise to millennials or gen z.

Now the question of what individual young men should do in response to being screwed is a different question than what should America do to its help its young men.
Nobody saddled anyone with student debt. They chose it and now what a a bail out for all of us who did it the right way. I worked fulltime and paid for all of my education. From the time my son entered high school, I educated him on student debt. It choice to live at home, commute to school and work.

I am personally tired of everyone complaining about what they signed up for and wanting people who never went to college to pay their debt.
 
I’m so confused by this correlation or why it even matters what his religious beliefs are in terms of an economic consideration like student loans.
I am assuming because of the Judeo/Christian background of our nation and Biden’s catholic claims
 
I am assuming because of the Judeo/Christian background of our nation and Biden’s catholic claims
Sure I just don’t see why it matters in terms of what he will do about student loans or how that would make anyone “more” Christian, whatever that means lol I’m kinda suspicious that a lot of politicians just say they are Christian because it’s better for their career than them being particularly devout or anything.
 
Sure I just don’t see why it matters in terms of what he will do about student loans or how that would make anyone “more” Christian, whatever that means lol I’m kinda suspicious that a lot of politicians just say they are Christian because it’s better for their career than them being particularly devout or anything.
Happens all the time. It’s an argument that’s used a lot though because so many American claim to be “Christian.” So folks will try to justify their political position by invoking the “this candidate is more Christian” card.
 
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I have the following questions: 1) Why do students borrow money and obtain worthless degrees, and expect someone to bail them out? 2) How can anyone be a Christian and be in favor of murdering millions of God's creatures in the womb? 3) Is it Christian to be in favor of same sex marriage?
I have answered (1) above. Short answer, from ages 3-18 Americans are subjected to a relentless messaging of going to college for the American Dream (our entire educational system is centered around this).

As to 2 and 3, the answer is unquestionably no. However that has nothing to do with the attitudes towards government action and the overall premise.
 
I’m so confused by this correlation or why it even matters what his religious beliefs are in terms of an economic consideration like student loans.
I used a provocative title in the hopes it would get fellow Christian’s to reconsider their general attitudes towards the younger generation and their beliefs about what is and not Christian governance. My contention is the eradication of usury is a policy Christians should pursue and student loans are usurious.
 
I used a provocative title in the hopes it would get fellow Christian’s to reconsider their general attitudes towards the younger generation and their beliefs about what is and not Christian governance. My contention is the eradication of usury is a policy Christians should pursue and student loans are usurious
My thoughts on Christianity or Christian governance aside, you’d have to provide some sort of objective evidence that the interest rates are unreasonably high to support your claim they are usurious. The entire argument hinges on that.
 
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Sure, this is a point of disagreement between me and my fellow right wingers on this board. I’ll try to summarize as briefly as I can. *ended up not being that brief*


Our entire educational system/ societal structure (whatever you call it) teaches young people from the time they are 3 to the time they are 18 that if they want a slice of the American dream they must go to college. Going to college is expensive and saddles people with at minimum thousands of dollars of non dischargable debt but America tells its youth not to worry about that because of the promise of the American dream.

But due to a number of reasons, that is rarely true in 2025. Graduating from college no longer secures fulfilling employment which allows young people to purchase a home and start a family (there are exceptions obviously I’m just talking about the general rule). Instead they will be working for a soulless corporate entity, making the same wage their father did 30 years ago when rent, gas, groceries etc has all risen by 300%.

It’s fraud and it’s usurious and if we as a society don’t want millions and millions of young people saddled with debt they will never pay off something has to be done.
Are you an educator? If so, I value your opinion but disagree with it. I have been and still an educator - 43rd year. I have taught at EVERY level: K-5: MS; Hight School; and now, 11th year at a technical college. I disagree with some of your generalizations. High Schools, etc.. do NOT try to sell or push kids to go to Universities. Maybe they once did, I don't know. Your opinions sound like someone who is living in the past and/or just not up to speed with current education. Do we have problems? Absolutely! Students have better AND more resources, opportunities for post-secondary education than ever before. Many high schools now have "Career Academies'... many different titles and names. They exist to teach or show kids actual skills that are needed in the workforce. Then they are encouraged to pursue, further those skills or interests through outlets such as technical schools, and/or being hired by corporations to train them. That is happening every where. I am at a Technical Schooll now. And the cooperation between high schools, the tech schools themselves and local business is better than ever. The tech schools do an amazing job teaching and pairing students with skills to local businesses or corporations that can be used right now! Often, very well paid. Many businesses pay for students education in exchange for working for them a few years.

Schools do NOT push major universities as the only avenue as you are implying. They do support and suggest resources if that is what a student wants to pursue.

As far as scholarships, again MANY resources. Many are reflected in what I said above. Most all my students in tech school have some type of financial assistance. Joe Biden and the libs used the talking point of paying off student debt as a tool to get votes and further their government control - ala healthcare. Yes, there are many students who have debt. I agree they need help. Or their jobs will help pay for it. There are already many federal and state programs that help. We do NOT need Biden and the libs exploiting kids for votes. That is exactly what it is. And absolutely NOT christian like when you want to control others for personal or political gain.
 
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My thoughts on Christianity or Christian governance aside, you’d have to provide some sort of objective evidence that the interest rates are unreasonably high to support your claim they are usurious. The entire argument hinges on that.
Sure it’s a non dischargable debt at roughly 4.5 % interest rate loaned to an 18 year old kid with no assets or means to pay it back. 18 year olds are poor, charging interest to the poor is usury, as is profiting off loaning money to the poor.


This system is made exponentially worse by the lender, running the lower education system which creates borrowers for the lender by teaching them to go to college and borrow money from the lender, and

The lender is also for lack of a better word, the lien holder on the higher education institutions. The same lender for the 18 year old is giving money it prints to the institution, so the institution can freely raise the cost of education without worrying about a lack of supply (applicants) because their tuition is backed by an infinite money printing machine and because their lender is creating an increasing supply applicants through the lower education system.

There is no risk to the lender, or the university. The student bears 100% of the risk all while the lender has been pursuing policies for the last 40 years which reduces the reward.
 
Obama wanted the Govt to take over the loans so later they could "forgive" them in their vote buying scheme. All part of the communist playbook and many Americans have fallen for it.
Nail on the head!! 100%.
 
Sure it’s a non dischargable debt at roughly 4.5 % interest rate loaned to an 18 year old kid with no assets or means to pay it back. 18 year olds are poor, charging interest to the poor is usury, as is profiting off loaning money to the poor.


This system is made exponentially worse by the lender, running the lower education system which creates borrowers for the lender by teaching them to go to college and borrow money from the lender, and

The lender is also for lack of a better word, the lien holder on the higher education institutions. The same lender for the 18 year old is giving money it prints to the institution, so the institution can freely raise the cost of education without worrying about a lack of supply (applicants) because their tuition is backed by an infinite money printing machine and because their lender is creating an increasing supply applicants through the lower education system.

There is no risk to the lender, or the university. The student bears 100% of the risk all while the lender has been pursuing policies for the last 40 years which reduces the reward.
While there are some students i.e. law school, medical for example, who do borrow money in some form or fashion (high cost) – I believe most average college students do NOT use your typical bank/lender anymore. There are other sources already in place; government sources or work-force help for their education. I am ok with that. I am NOT ok with the government trying to exploit kids just for political power.
 
While there are some students in law school, medical, who do borrow money in some form or fashion (high cost), I believe most average college students do NOT use your typical bank/lender anymore. There are other sources already in place; government sources or work-force help for their education. I am ok with that. I am NOT ok with the government trying to exploit kids just for political power.
This is correct. And this the government lender charges roughly 4.5% interest. or atleast they did a few years ago.

And again it’s not dischargeable.

How is the government fixing the mess it created exploiting kids?

next week if Trump eliminated the department of education, seized all public endowments, paid off loan debt, removed the federal government as a lender, and forced colleges to underwrite their own loans would that be exploiting the kids?

Part of the reason we have a superfluous number of stupid degrees and too many students is there is no risk to the school. They are guaranteed money because the lender and the guarantor has an infinite money printing machine.
 
I have answered (1) above. Short answer, from ages 3-18 Americans are subjected to a relentless messaging of going to college for the American Dream (our entire educational system is centered around this).

As to 2 and 3, the answer is unquestionably no. However that has nothing to do with the attitudes towards government action and the overall premise.
You need to go back to the people / groups that were giving you that misdirected message and ask them to pay off your loans. I have hired a lot of young men/women over the years - none of them thought they were guaranteed success. (if they thought I would not have hired them). Unfortunate that you had this support group. But you must be young, get out there and conquer the world
 
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This is correct. And this the government lender charges roughly 4.5% interest. or atleast they did a few years ago.

And again it’s not dischargeable.

How is the government fixing the mess it created exploiting kids?

next week if Trump eliminated the department of education, seized all public endowments, paid off loan debt, removed the federal government as a lender, and forced colleges to underwrite their own loans would that be exploiting the kids?

Part of the reason we have a superfluous number of stupid degrees and too many students is there is no risk to the school. They are guaranteed money because the lender and the guarantor has an infinite money printing machine.
the reason we have all of these stupid degrees is people are willing to take them, which is fine, but don't ask us to pay for them. It is called choice.
 
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You need to go back to the people / groups that were giving you that misdirected message and ask them to pay off your loans. I have hired a lot of young men/women over the years - none of them thought they were guaranteed success. (if they thought I would not have hired them). Unfortunate that you had this support group. But you must be young, get out there and conquer the world
You are operating under the assumption that I’ve been making this post for my benefit. I am not, I’m not a Gen Z and I’m doing just fine.

I have a lot of sympathy for my fellow millennials and Gen Zers who didn’t make it.

I will also point out that young white guys are now barred from going out and conquering the world. It’s not the same world you grew up in, shoot it’s not even the same job market I entered 10 years ago now. Things are much worse these days.
 
Excellent thoughts and questions. I don't know all the answers.
This is correct. And this the government lender charges roughly 4.5% interest. or atleast they did a few years ago.
Actually the interest is much higher than that now.
How is the government fixing the mess it created exploiting kids?
True. Any government program tends to be a mess.
next week if Trump eliminated the department of education, seized all public endowments, paid off loan debt, removed the federal government as a lender, and forced colleges to underwrite their own loans would that be exploiting the kids?
I think it would be mainly for K-12 education. Also, don't think much any of this will happen. Trump has threatened to do away with the department of education. Would be very complicated for sure. Not as simple as saying, "local boards of education" should be in charge. I don't think he wants to abolish government assistance. Just do away with all their policies that control decision-making, political agendas, or ties the hands of local boards. Lot of stuff involved. By the way, many public schools have become public charter schools that allow them to make their own decisions but still receive state and fed funding. My local system is.
Part of the reason we have a superfluous number of stupid degrees and too many students is there is no risk to the school. They are guaranteed money because the lender and the guarantor has an infinite money printing machine.
I am not arguing or even debating your point about relationship of lender to school. I am making basically 2 points: 1) generally speaking, there ARE better resources for students now to be trained or educated for a good skilled job. I see it everyday in GA. There are not as many of those superfluous degrees as there once were. 2) Biden amin efforts had nothing to do with trying to actually help students. It was a smoke-screen to exploit students, families and taxpayers even further for political gain.
 
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It’s not 1974 anymore.

What I want is for our nation to be like it was in 1974.
have taught over 15,000 students. Last 11 years in higher Tech school. You would be surprised how MANY students are in the same situation as original poster in 2024 now 25. I have taught 100s of struggling students and their families, trying to make ends meet. Every single day. I have had homeless students. Last semester, one of my students had a baby in 2nd week but hung in there and did well. Another student last semester lost her father who was in his early 40s. She hung in there and did well. While our nation has changed, people hurt, struggle and succeed like they always have. Even like 1974.
 
America is substantially different in 2025 than it was when colleges were still on the quarters system.
3 of my kids right now have either completed college or are in currently enrolled and 2 have no debt and I has 10k. They have all worked and gone to school at the same time. It is not difficult to do at all. It is not as fun as the other alternative and that is where the problem lies. We have a bunch of entitled kids who think they are owed things in this life and it should be easy.
 
Nobody saddled anyone with student debt. They chose it and now what a a bail out for all of us who did it the right way. I worked fulltime and paid for all of my education. From the time my son entered high school, I educated him on student debt. It choice to live at home, commute to school and work.

I am personally tired of everyone complaining about what they signed up for and wanting people who never went to college to pay their debt.
another nail on the head
 
It’s taken 3 pages to figure out this is a troll job. Maybe it’s the parents fault for pressuring some kids to attend college when they have no drive or interest in it.
We all want what’s best for our kids but let’s face it, not all are going to be Dr’s, lawyers or corporate CEO’s. We need more brick masons, Sheetrock finishers, electricians, plumbers, HVAC techs, etc.. Obviously those aren’t the cool professions that you can impress your friends with while sipping a latte. It requires a work ethic that many young adults don’t possess today but the investment from an educational standpoint is less and the pay is really good.
absolutely. Some of those jobs or skills you mentioned, pay very very well. Even straight out of college.
 
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You are operating under the assumption that I’ve been making this post for my benefit. I am not, I’m not a Gen Z and I’m doing just fine.

I have a lot of sympathy for my fellow millennials and Gen Zers who didn’t make it.

I will also point out that young white guys are now barred from going out and conquering the world. It’s not the same world you grew up in, shoot it’s not even the same job market I entered 10 years ago now. Things are much worse these days.
They are not barred. That is BS. They may need different approaches but in no way are they barred. It is easier now to go into a trade and start your own business and be successful than it ever has been.
 
Then personal responsibility is the starting point

Let’s eliminate social security and Medicare then.

They are not barred. That is BS
https://freebeacon.com/latest-news/...s-in-the-wake-of-george-floyd-analysis-shows/

It is easier now to go into a trade and start your own business and be successful than it ever has been.

Again see above, trades are a fine option depending on what you want to do. But it certainly isn’t easier to do so now then it’s ever been. I don’t think a brick mason in 1974 had to worry about his bid being undercut by an illegal foreigner.
 
We have a bunch of entitled kids who think they are owed things in this life and it should be easy.
The tough love speech needs to come from a place of love.

Two things can be true.


1) It is true that young men should work hard and take the opportunities available to them even in difficult situations

2) It is okay to notice that the several factors including inflation, immigration, DEI, and a degenerating marriage environment pose unique problems that require solutions

We are in agreement on 1) I want to solve the 2nd.
 
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