If you have $200k in loans, then a fraction of a percent lower rate would mean more than $14 a week.
If you have $200k in loans, then a fraction of a percent lower rate would mean more than $14 a week.
a lot of schools won't let you use AP credit for courses that are required for your major, though. AP is rarely gonna get you out of college a semester early or anything like that
right, but most students are paying by the semester, not by the credit hour. it's pretty damn difficult to get a degree in a useful field without being there at least 8 semesters with or without AP.Depends on the school but there's no reason to not be able to go in with the basics covered such as English, lower level math and science. No, if you're a Chemistry major, that high school chemistry class isnt going to count, but Calculus usually knocks out 5 hrs and counts.
Subsidies are actually higher now than they've ever been.Another problem is that boomers went to school with tuition costs subsidized by the tax payer and are now doing everything in their power (like voting in politicians like Bevin) to minimize that burden on themselves. But they'll be good damned if somebody mentioned tax cuts to senior entitlement programs.
(yes, another boomer rant).
No more architects...Should probably look into transferring to a school where they will count like the BCTC/UK setup.
When compared to the cost of tuition and median wages?Subsidies are actually higher now than they've ever been.
Hindsight 20/20. Remember the big fallout from all the community colleges and the ties with UK. It messed a lot of people up.Should probably look into transferring to a school where they will count like the BCTC/UK setup.
Too many fools who have no business going to college are going to college. We need more people with knowledge of skilled trades in our country, from carpenters to computer techs. I've never seen a job description looking for a philosophy major.
Any numbers to back this up? I would think that the amount of philosophy majors is considerably low compared to say biology majors. Just seems a little short sighted.This is probably what pisses me off the most. When I hear someone get degrees in things like Chicano Studies, American Studies, African American Studies and Philosophy, I think..."WTF are you going to do with that degree other then come back and teach that BS to other suckers?"
right, but most students are paying by the semester, not by the credit hour. it's pretty damn difficult to get a degree in a useful field without being there at least 8 semesters with or without AP.
I'm still a strong proponent of AP courses because they improve students' readiness for real college courses. They're not a money-saving scheme though, IMO.
Then they're looking at it incorrectly. I'm not advocating going and taking every AP class. But if you pick up a few hours here and a few hours there that you know you can carry forward, then over the time it takes to get your degree, you can end up getting done a semester or two early. I missed 3 semesters due to co-oping and still graduated on schedule due to how I stacked my classes and having a few credits coming in and I didn't take summer school. Early in college, what it allows you to do is take another class in a slot that would have normally been taken by that course you covered with AP. You have to know which classes you can pull forward.
Also, most degrees are 120-130 hours unless you're in engineering. Most people don't even take 15 hours per semester which leads to them being in school longer. If you're 18-22 years old with no other responsibilities, suck it up and take 18 hours a few semesters. I suffered through an 18-hour and a 21-hour semester so I could get done on time. The 21-hour semester, I took a couple of courses in my major and then loaded it with easy electives. Most universities cap tuition costs per semester, so once you get to a certain point, if you can handle taking 3 additional hours, you get those for "free". It's not something I'd advocate someone doing every semester as some loads are more difficult than others, but you have to be smart and figure out where you can take advantage.
Completely off topic but why do you have the pic from the commercial?
College doesn't have to be so gd expensive. Start at community college, finish up at the state school. In Kentucky, that's something like $25,000 for a 4-year degree.
Work your ass off in the summer and 25+ hours/week at a good college job (restaurant/babysit/cut grass/uber/etc), live in a dirt cheap apartment, buy used books online, take advantage of scholarships and pell grants....
The student loan nonsense has just perpetuated the terrible decision making of teenagers. Shameful. End the entire student loan program, imo. Peoples lives are being ruined by this failed experiment.
Subsidies are actually higher now than they've ever been.
Seriously? I love how everyone always points out Steve Jobs on this subject or Bill Gates on college degrees. Okay, so you found basically 1 out of 100 million where that recipe worked. I'm sure if everyone dropped LSD and walked around barefoot we would have a utopia by now. Well, Steve McNair never lifted weights, I'd love to hear the high school/college athlete that uses him as an example as to why he's not going to work out but still play in the NFL.
Do better with you 2am posts.
Seriously? I love how everyone always points out Steve Jobs on this subject or Bill Gates on college degrees. Okay, so you found basically 1 out of 100 million where that recipe worked. I'm sure if everyone dropped LSD and walked around barefoot we would have a utopia by now. Well, Steve McNair never lifted weights, I'd love to hear the high school/college athlete that uses him as an example as to why he's not going to work out but still play in the NFL.
Do better with you 2am posts.
touch that. if that garbage were to occur then the irresponsible touches who ran up that bill but are welshing on paying it back should be forever removed from their colleges roles as attending, much less attaining a degree. and going forward claiming a degree they no longer possess should be a similar crime as identity theft.I'd be fine with letting people declare bankruptcy to get rid of the loans. It would be painful for taxpayers now, but it would ensure this would never happen again.
Ultimately you have to look at it like this -
In order to get any sort of salaried job no you have to have a degree outside of "trade jobs"
So that forces the hand of many students to attend college to get a degree.
The cheapest colleges in KY tuition runs about $10,000 to $15,000 per year
Now 1st - Whats the percentage of people in KY and in the nation that can afford to pay that on their own? Slim to none
So most will have to take loans....
The average undergraduate degree takes 5 years now. So 5 x $10,000 is $50,000.
So today you need a bachelors to get a salaried job (which the avg pay of entry level salary job is $32,000/year)... so one must go $50,000 in debt, to obtain a piece of paper so they can if they are lucky get out of college and make $32,000 a year...
How does that make sense? And dont give me this bs "well i worked when i went to college".... STFU....old folks always thinking their time was harder and kids today are just lazy whiners....erks me to no end. Its thanks to your generation the education system has gotten to this point...
And...why does it take 5 years to go through a 4 year college? Especially when so many kids have AP credits before they even start.