Student Loan Crisis- Dave Rant
ฝัง
- เผยแพร่เมื่อ 23 พ.ย. 2014
- Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q
Visit the Dave Ramsey store today for resources to help you take control of your money! goo.gl/gEv6Tj
Did you miss the latest Ramsey Show episode? Don’t worry-we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: th-cam.com/users/TheRamseySh...
Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
Ramsey Network (Subscribe Now!)
• The Ramsey Show (Highlights):
th-cam.com/users/TheRamseySh...
• The Ramsey Show (Full Episodes): th-cam.com/users/TheRamseySh...
• The Dr. John Delony Show: th-cam.com/users/JohnDelony?...
• The Rachel Cruze Show: th-cam.com/users/RachelCr...
• Anthony ONeal: th-cam.com/users/aonealmi...
• The Ken Coleman Show: th-cam.com/users/TheKenColem...
• The Christy Wright Show: th-cam.com/users/ChristyWrig...
• EntreLeadership: th-cam.com/users/entreleader...
i have 700.00 to go on my student loan. i owed over 25000+ on my loan. it took me over 10 years to pay this loan off. i wish i was more wiser at 18 years old when i took out these loans.
10years to pay off 25k? Ouch. Sorry.
Why did it take you 10 years to pay off 25k did you only make min payment ?
But Dave German poka history is my passion. LOL
Polka
Richard Sanchez you must be the current teacher
@@bottledoo3639 yeah I do it as a hobby, since I have a career from which I have no student debt and I'm 4 years away from paying off my house which is my only debt.
Wish i could watch that ep, but i cant find it. :(
its POLKA btw
Dave, sometimes the parents are ignorant about education because they are low income, which is a bad combination. Those parents believe that education in general will get there kids a higher salary. My mom for example believes that my brother's co-worker who is working with him at a restaurant, doing the exact same job, gets paid more than my brother just because he is a full time college student. My brother is paid minimum wage.
I personally believe that it is sad when people are ignorant of their ignorance.
That is a very good point, they don't know what they don't know sometimes. However as a parent there should be some onus on you to learn more than you know now so that you can be a useful resource to your children. I didn't finish college but I consider myself someone who is learning things everyday. A learning mindset is important for growth, and I don't see many parents learning. Many go with the status quo.
@@JohnGrayFinance I agree but realistically a lot of teens' can't depend on their parents to do this. That's just a fact. Screaming at parents to parent is not going to help a child without "parents" and who sees college as a way to avoid perpetuating a lifestyle of poverty and hardship...So while I do agree with you, there are so many variables that I just hate blanket statements like these.
Fu If I agree. This is why is time for us as a society begin to educate ourselves about finances.
Another problem may be that for the parents generation a degree in anything could get you a job. Both my parents got their Computer Science degrees in the early 80s. My dad told me about a woman he worked with had a degree in Equestrian Studies and was able to get a good paying job at the bank he worked for both of them fresh from college.
Back when they got degrees so few people had one that a degree in German Polka History probably could get a good paying job. But now the job market is different and a lot of parents don't get that. Now companies can be choosy about the degree a person can get the job with.
A lot of parents are like this. They always think their kids should get college education especially at 4 years university but they don't know if their kids will fit for college or not. Some kids will take on load of debts, get themselves under so much stress and maybe choose suicide as their only option for one way ticket out of this life because they couldn't take it anymore.
I'm so glad I went to community college first before I went to my 4 year school. It gave me a chance to really explore my interests and it was very affordable. Even paid my whole way through! I got an AA in the liberal arts, and I ended up getting my BS in STEM.
It all transfers 👍
great way to go!
My husband and I just paid off our student loans last week. We are now DEBT FREE!! And both of us ended up doing something different than what we went to school for, ha.
Congrats, that's cool. It's so much harder to do this than just 5 or 10 years ago so a genuine achievement-- I know plenty of people going overseas and staying cuz the prospects are better. I also got debt-free a couple years ago, now the problem is health care and daycare costs which are straining our finances. Not as bad as student loans but they're almost unbearable to deal with in the US (much easier abroad).
**my husband paid off my loan*
That's cool. Doesn't it feel pretty good to be debt free!?! I know the feeling 😀
Majority of people change careers
What a lot of people don't realize is, college degrees do NOT appreciate in value. They depreciate. How long is it before the average degree is obsolete? Well, in the United States today, over 317,000 waiters and waitresses have college degrees. Students in the United States are attending college just to attend college. Almost any student, regardless of their academic performance in high school, can get into some sort of college. There was a time when you had to EARN your way into college. Higher education was considered a privilege and NOT a right. That isn't the case anymore. Anyone can get in, so long as they have the ability to borrow money.
What about degrees on healthcare
Many of those waiters and waitresses got degrees that depreciated 100% as they walked across the stage on graduation day.
I took electronics at a VocTec school my junior and senior year of highschool and that knowledge continues to be 100% relevant to this day.
I Dave Ramseyed my student loans real quick.
Where was this in 2007 when I was graduating high school?
I'm lucky that I have parents that really care and talk me through things.
work for a public utility like me, water, gas, electric are always gonna be in need. full benefits, good pay and a pension .
I felt like he read one of my comments and replied directly to me. Nobody told me my degree would be worthless, they just told me to go. Now what?
Start again and don't major in a useless degree?
Go to a trade school, learn a trade or get a job in a field that's needed. You don't need a degree to be successful, you just gotta be smart.
I had no idea what I wanted to do when I was 17. Was a young, dumb kid with no understanding of the real world.
But it was drilled into our head in school we had to go. And my parents didn’t explain any of this to me.. so I went to school, got a degree that I don’t use.
So here I am in my 30s, paying for the decisions of my former young self... sucks
The Garbage Class is actually very relevant and as a Civil Engineer i took a class just like it in college. A career in the environmental field, such as one designing landfills or working at a waste water treatment plant can be very profitable. However, i do get his point about BS classes and people wasting money on junk college degrees.
Brad Barber I thought the same thing.
You said exactly what I was thinking. As an student who did a concentration in Earth Science/Geology I took an Environmental Geology class that took a field trip to the local landfill.
I agree on this one since our consumption and trash output is huge and without research on the situation, we could end up drowning and living in our own trash.
You could be a waste management consultant like Tony Soprano.
I agree. That was a moment where Dave lost me. As an environmental major myself there is a need for jobs like this in the marketplace and honestly I think it’s interesting!
" just get a degree in ANYTHING" LOL
A class about Beyoncé? Students are paying money they don't have to take this worthless course, But Beyoncé has a PH.d in her own course and is making millions without actually having a degree.
I would like to get a degree in lesbian dance theory
I think sometimes the parents are so glad over their kids having a college experience they neglect educating them on not accumulating student debt.
I have a degree in accounting and still drowning in student loans that are crushing me and my family. It's not just people with silly useless degrees, or people who went to upscale universities. While you do make a point I don't think you are addressing the entire problem.
Im sorry to hear
I paid everything out of pocket with no financial aid at all. I also went to community college for years, but all with a waiter's salary in one of the most expensive states, with IT and biochem degrees. If you want to be debt free, there really is no excuse.
The problem is the bar keeps rising. Back in someone like Dave's day a degree was relatively inexpensive and it was actually respected. So naturally they told their kids to go to college so they can do as well or better than they did with their degree or people they know with their degrees. So now due to the demand college prices are going up exponentially and you have a flood of people with Business or other STEM degrees over saturating the market which allows employers to be pickier. If everyone has a BBA or BSA then it becomes the new HS diploma and you're back where you started. Except now you're in debt
@@Omegeddon first of all, STEM degrees are not over saturating in the market, accounting is not even STEM degree. I was in STEM program. if someone tells you that they are with STEM degree or accounting degree and still can't pay off their loan, something is wrong . You do not hear STEM degree loaner complain as frequent as other degree loaner everywhere, for real.
Thanks for watching everyone! Click that subscribe button to stay up to date with our latest top content.
th-cam.com/users/DaveRamseyShow
my family wanted me to get a degree for bragging rights, to be the first in my family to finish college.
but instead i let me brother do that and i went to a trade school.
I'm sure you are in a better financial situation than him.
The funny thing is that students are going into debt to take a class about Beyonce but, Beyonce earned over $115million dollars in 2014 with no degree.
ncatstate, LOL!!!!!!
Seriously ? A degree about Beyoncé ? How ridiculous
What lol?!
How to exploit your talents IMO should be something to be taught in school. By college you should already be leveraging your talent in the most effective way.
@@oakiediaries9907 A CLASS about Beyonce, not a degree. The comment is funny but obviously the class went deeper than that...
My dad got a PhD and stayed in school and he's a professor so we never had this lesson about "useful degrees". But I learned it anyway!
I wish I had seen this in high school. Learned my lesson
you can learn most everything online now for free if your willing to put in the work
The problem is employers only care about that piece of paper. Not the knowledge behind it
Love this, and agree with it 100%. I got an Associate's and paid for my college on my own. I started in my career at the bottom and worked my way up. I worked hard and impressed my bosses, and am a higher up IT professional. Common sense and hard work.
Good for you Lisa. Do you have whatsapp?
Same here!
Dave's main point is that any degree you earn should have a direct application to the marketplace so you can actually get a good paying job with the degree upon graduation. The vast majority of colleges and universities are for-profit businesses, which means that if you want to waste your money on something useless, they will definitely be more than happy to take your money even if you end up on the streets with the useless degree. Universities should have "Inc." after their names. Schools offer these waste-of-time classes to make money!! The problem with academics in general is the disconnect between the education world and the real world marketplace.
very true .
I wish I had known this stuff at 18 years old. I'm in my 30's now and almost finished with a degree in International Relations.
I wish I knew who you were in high school! Man if only I knew back then what I know now at 25.
How bad is your student loan mess?
Nathan B. $35,000 for only undergrad. I haven't started even applying to grad school yet, but I hear so many success stories with people more than the debt I have. I have faith I can pay it off.
Nathan B. Thanks!
I know him and I'm in high school. I'm a lucky duck!
I got a degree in left-handed German polka puppetry with a minor in elf spotting. Best decision I ever made.
haha 😂
I'm interested in learning about German Polka History after this video.
German polka history always makes me laugh
Bruce Hardie I majored in Socialist Dance Theory. I got my Masters.
+crowtservo Wine tasting major here!
I got a Minor in Underwater Basket weaving. :P
Bruce Hardie I was thinking about that when I was listening to this podcast lol 😂 🤣🤣😂🤣
I somewhat agree, but if you always chase degrees that will have huge payouts, we’ll never have public school elementary teachers. Colleges should adjust tuition based on expected mean income.
Those college courses are a ridiculous waste
Great video!!
To tell you the truth I agree a 100% not too enroll in courses that are useless. Unfortunately, some of these useless courses are require to earn a degree depending on your program you are pursuing. If you want to make a education affordable, then the best way is to change the rules of the game in order to help people to no only graduate but to save cost. Our education system is a very big bureaucratic system that does not care for the student.
Thanks for the truth. This is the way it is.
wait that harry potter class actually sounds cool. You can learn some science but in a fun, creative way!
Apply for jobs at colleges where you want admission for undergraduate/graduate programs or are currently attending. If you get hired then you may get free or reduced tuition = Employee benefits package. During your Bachelor's degree, ask if you can use some Master’s degree courses to satisfy requirements towards your Bachelor’s degree (some programs allow this).
Had Dave Ramsey was around in 1992, my life would have been so much better now...Thanks a millions for ripping me off, federal loans!!!
I love this topic I have been saying this stuff for years..."Stop wasting time and money on useless degrees!"
My older sister spent 6 years to get her 4 year degree in theater management. After a year of working at a grocery store, she decided to go back to school and get a degree for English as a second language (I have doubts about the ROI for that degree also).
what is your sister doing now ?
First I went into the military and got a GI Bill (but I think I still could have gotten a free education), then off to a community college where I was able to take many free classes because the school was going through a “surplus” of funding at the time, so I was very lucky. Between free classes and my GI Bill, I emerged free and clear and was able to get a full academic scholarship for the remaining two years at a state college and graduated with a degree in Comp Sci. Zero student debt and went forth from there. There are creative ways to get through college, but each year that goes by it gets harder.
I am listening you Dave.
love dave ramsey rants
+TheGreenlove87 We have a whole playlist of rants on the front page of our TH-cam channel, check them out! Thanks for watching.
thanks for the info
My parents, aunts, and uncles all gave me a resounding NO are a trustfund kid when I told them I was thinking about zoology as major when I was in 6th grade. At the time I thought it was harsh, but now that I am finishing up medical school I can look back and say man I was a dumb kid at that moment.
+Nathan B. $249k. as a resident I make $52k for 5 years then about $200k/yr after that. not a very bright move but that's what happens when your debt earns $36 of interest daily. on the upside I'll be debt free by 40. and I'll buy a home through foreclosure or bankruptcy. my school is in NJ and took me 5 years to complete.
+Nathan B. I feel bad for people have to pay back loans with useless degrees. I met a creative writing guy who got $175k in undergrad loans.
+triad6425 I got a practical degree in Accounting, and that cost $40k. I went the cheap rout. Two years at PCC, and another two at PSU. Paid in state tuition. Only took out loans to help pay for bills.
Creative Writing major? OMG the jokes write themselves!
what kind of doctor are you ?
This is the funniest Dave Ramsey video I've ever watched
Everyone in high school believes that going to prestigious school like Harvard will make you more successful in your future. All the parents care about is that their kids go to a prestigious universities.
I agree with not going into debt & being smart with your degree. I do not agree with some if the comments on here. If everyone git engineering degrees do one would be around to be chefs ir make music or films. Basically if there weren't arts majors no one with normal jobs would have anything to do on their days off. I have a performaning arts degree but i was smart in that i changed from just a music degree to a comm arts interdisciplinary studies major with an emphasis is performing arts. Film directors are impressed with my performing degree. News stations etc are impressed with the comm arts part. Im currently doing both those jobs. That will part time jobs/internships in ur field while attending will get u far. Im not made for engineering. God gave me other talents. You must do what God gave you the talent & passion for, just be smart about how you pursue it. Always get an education.
I also did an Interdisciplinary Studies degree and it has worked out really well for me so far!! Really opens doors in 2 (related) fields. I did concentrations in Earth Science and Geography with a GIS minor. I can apply for jobs that want an Earth Science degree and those that want Geography. The "related field" caveat for jobs helps as well!
Going to school just leads you to be a employee. If you can get a job. In today's market that is a big if.
I went for a year after high school and dropped out... joined the Air Force and paid off the loan amount and all I gotta say is that college just wasn’t for me. I had a 3.8 gpa but I just didn’t like going when I didn’t even know what I wanted in life.
I want to sign up for the joy of garbage class!
I love it when he goes on his “NO” tirade haha
I worked next to a girl who owed 6 Big Dimes in student loans. She had a degree in horticulture and actually had a job in it before she left it to get a general office job. I think her real major was husbandry but she failed.
German Polka History--love it!
I don't know where my lawyer went. I do know where to send my check. HAAH
I have seen fine arts graduates join the professional ranks of taxi cab drivers. I have a 2 year diploma from a public technical college and I have a great paying, highly challenging job where I work with doctors and nurses. I knew a person that got a degree in history, he washes dishes. Another friend with a degree in anthropology, delivers packages.
mikeyvester yes me too
I always feel like a idiot after listening to Dave that’s why I keep coming back he has got me on a good path to recovery!
Please only accept subsidized loans (accumulates interest AFTER graduation). Try to avoid unsubsidized loans (accumulates interest Everyday and After graduation). Deduct interest from taxes. Please avoid out-of-state tuition, private student loans, and for-profit colleges like Everest and ITT Tech. Take courses at community colleges (they are legit). To get more aid, prove struggles of parents (or yourself) to financial aid office: Foreclosure, repossession, bankruptcy, debt settlements, separation, divorces, death, new child, hospitalization, unemployment, reduction in income, food stamps, failure to pay taxes, wage garnishment, incarcerations, terminal illness or condition, etc. Choose credit unions. Banks are for-profit. Do not drop out of college = Less likely to repay debts
Danny Singh Better yet, don't accumulate debt at all.
I use to regret not going to college thinking I will never get a good job and now that I'm older I'm so glad I didnt go, now I have a good job and get paid as much as my coworker with 70k of student loan debt
I agree with Ramsey on the useless degrees. The worst type of degrees try to sound technical but are useless.
Everything is applicable, just a lot of people don’t know what to do with it
Just like. a Carfax, colleges should be mandated to have job placement PERCENTAGE FOR EACH DEGREE. IF THEY ARE PROVEN TO LIE. THE SCHOOL PAYS THE LOAN!!!!!
For anyone who doesn't know, physics can get pretty dry, so doing a class with a Harry Potter theme would be super fun while getting the material across to students. I'm all for that one if it's done right.
Exactly, these classes are for discussion and imagination. He didn’t fully understood what the classes are for. They’re usually a one unit electives where I went to school.
When our son entered highschool my wife and I asked him what he wanted to do for a living. Professional skateboarding was high on his list. We suggested that he look at the salaries paid to people in different professions and then pick a profession he would enjoy. One with a high salary. How many parents guide their children in this way?
But yes, I do always look up to see where my doctor went to school... Also if they've been sued for malpractice or have ever lost their license before. I urge everyone to do the same.
John Candy "polka, polka , poooolka" 😆
I wish I had Dave in my life when I was in high school
Modern educational institutions are gearing up to be better equipped as "credential factories" because it's easier to market and sell (and go into debt for) credentials than it is to market real education.
Sam Harsha school is just a status symbol
Graduating in 2007 with a Finance degree was pretty useless
The garbage class could be very useful for an engineer working on green energy. I do agree the other classes are crazy, but depending on the focus of the decomposition class it might not be that crazy. They could study the methane produced from landfills and sewers and convert that into usable energy. Many large cattle farms use technology from the manure to power their farms.
Exactly! As I already posted above I took a field trip to the local landfill for my Environmental Geology class. It's not a flake class.
I wish more people understood that school doesn’t matter. High schools preach going to the BEST college you can and act like it matters... someone in my high school senior class asked me when I told her I was going to a small state school: “Why are you going there, you’re so smart!” I said, “You’re right, I am smart... that’s why I’m going to the cheapest school in the state!”
I took yoga once but only because my college required a physical credit for my Advertising/Design degree. I love yoga but definitely felt I was wasting my time.
What about underwater basket weaving?
Trades pay... and im not talking about trading stocks or bonds I mean becoming a mechanic, carpenter, or electrician! (I studied finance)...
I agree education is valuable. I do not agree FORMAL education is valuable. A degree is just a paper that says you spent 4 years of learning something. The paper costs $200K. Online learning is free. I can spend 4 years learning online (self study and taking free online courses on Coursera), and work on my own projects, bootstrap a startup and there's a high chance I'll end up learning more and having more real life experience and technical skills than if I would from a college education.
The government repayment programs help recent grads to some degree but they do nothing for older borrowers who have been paying for years. The sad truth is, student loan servicers can make huge amounts of money all out of proportion to what was actually loaned, thanks to Congress. How much money do they really need to make and why is that good for society? I have yet to hear Dave Ramsey or other gurus address that question. Or did I miss something?
i wouldnt mind taking a class in the joy of garbage as a free elective
I definitely look at doctors and lawyers degrees on the wall of their respected offices lol
Where you go to school could matter if you are looking to go into a JD or MBA program. They are the only exception.
well those arent degrees those are classes. there shouldnt be a problem with taking a few fun classes if you can still graduate with a useful degree with the other useful classes.
Now I might have to take that Maple Syrup class
how do I go to school if I can't take out a student loan and can't afford a semester?
Is there a course called (would like fries and a drink with that burger)? It will help you get a job after graduation.
CASH IS KING GET A DEGREE IN THAT
Unfortunately in the middle of the country the only degrees that are marketable are STEM, medicine, law, and business. Even the social servant jobs like teacher, social worker, and therapist jobs don't pay enough to cover the cost of the education they require.
S => bio, Che,and phy. Remember the 2008 financial crisis, a physics major who worked for Leman brother figured out something wrong with the model of their product, then short sell their product, later housing and mortgage bubble busted. That cause many people go back to school because of bad economy reality. But I don't agree it is unfortunate though, they are marketable because maybe the possibility of pay it off form STEM or certain type of degree loaner is much higher than other degrees combined in general. If there are some people do some professional research on that, things would be much clear as a pic.
THERE WAS A EBAY DEGREE IN THE UK A FEW YEARS AGO
Higher education is often overrated. All you really need besides an interest to learn is a library card and a computer with internet access. For example, the Wright brothers were high school dropouts still managed to build the world's first successful airplane and making the first controlled, powered and sustained heavier-than-air human flight, on December 17, 1903, see http: //en.wikipedia. org / wiki / Wright_brothers
One of my psychology professors was a member of the graduate admissions board. He told us point blank that they're more likely to admit a student with a 3.5 from a well known university than a 4.0 from a university nobody's ever heard of. Sorry but the name of your school makes a difference. It shouldn't, but it does
Where were you when I was going to college Dave??? 😭
Not all student debt is bad. Some have an amazing return on investment. They guarantee an amazing salary for the rest of your life. This is worth the small debt. You cannot pay for school cash to become a radiologist. That's 14 years of school. This is only one example. In general his rules due apply but not always
BUT ITS MY DREAM!!!
That's why I'm going to community college for real estate
I went to school for aviation and amounted 11k in student loans. Debt isn’t stupid but moderation is needed bc these loans are making some one mkney
those classes are ridiculous!
Did he say Alfred University??? I went to school across the street from there. People I talked to from there complained that their tuition was so high and that there weren't a lot of jobs in the area.
MAPLE SYRUP??!?
Go to a community college. Work through school to pay for it in cash. Become a Firefighter/Medic. Do great work serving the community! Work an average of 10 days a month. Get paid an average salary of $40-50k that is comparable to an average starting undergrad salary. (You also get paid while you are eating, working out, and sleeping at the firehouse!) Best job out there if you want to help people and you are physically fit!
Will finance be an applicable degree in 2022 when I graduate college? I heard automation is altering the industry.
Man double major in Accounting or MIS/CIS. Companies will be after you.
I'm kind of starting to hate Dave Ramsey, or atleast his (part of) philosophy on student loans. No, you shouldn't go to a 80k per year college, and you should go to a CC first, but I hate how he fails to remember that some people are obligated by their parents to go, and at the same, their parents haven't saved diddley squat for them (like my mom).
Plus it's harder for teens to find jobs, as many adults are taking minimum wage jobs. It took my brother almost a year to find his job.
And don't forget that they cost of college rises every year Dave. You seem to forget that. Don't forget inflation.
Well you are not obligated to go by your parents. The choice is still yours to make. They can't force you to do anything.
Yes, my parents pushed me to go and didn't save squat. But I was also pushed by high school teachers and guidance counselors and the popular idea in general that college = good future earning potential. As high school kids you trust your parents and those adults around you, but then you realize later that they are just as ignorant when it comes to money.
In the end though, where I went to school, how many loans I took out, my major (business) was still my call and my mistake to make. A $50k mistake that seemed rather hopeless when I graduated in Dec 2009 taking a commissioned job making almost minimum wage. My parents didn't learn because they thought grad school would be a good idea even though I'd have to take out even more student loans to pay for it.
I didn't listen to them. Fast forward and now I'm debt free, tripled my salary, and my new work will pay for me to get a graduate degree if I want to go. So lesson learned. Do what feels right to you based off your own research.
My cousin got married and her mother in law bought them a new car...... On her son's credit! Yes he ended up paying for most of it. Sure she paid a little bit so it's not as absurd as if sounds.
Point is when you're 18 (honestly before), you're not enslaved to your parents' bad decsion making.
"But it's not that simple for me." No. It is that simple. Take responsibility for your own life, no exceptions.
It seems that every job that actually pays well requires a college degree. So many people wish they would've just went to college and others who wish they didn't go at all. It's a personal decision at the end of the day. I just can't stand those people who go get a liberal arts degree and don't want to teach or go to grad school. Even though I am gonna be an English major, I plan to go to grad school right after for a Family Therapist degree. If you're going to major in a liberal art and take out loans, have a logical plan.
Literally anything i want to learn of curiosity i can find it on youtube. I want to learn the science of super smash bros melee vs smash bros ultimate game nerds explore that and upload it on youtube. Thats it then i go back to studying for my landscape ecology class.
That garbage class is actually smart. There’s a lot of money in waste management
Wonder how I can profit from student loan default?
I like Dave and I'm sure he knows what an elective is. A course is different from a degree. COURSES on Beyonce, Tupac, and Lil Kim are used to enlighten those of us who may be a tad close-minded, sheltered, etc. Also, sometimes taking such an elective during gen ed courses keeps school interesting while one awaits to start coursework in their major. I made sure to take a "fun" elective each semester. I understand he was trying to get laughs and make a point so I'll let this one go. BTW: Columbia College is a school for artsies and has a reputation in Chicago.
One year Computer Operations certificate, grant funded, doing pretty good with 18 years of experience in mainframe Computer Operations. :)
College Major: German Polka History , Grad Year: 2020