The reason the costs are so ridiculously high now is because of all the government meddling, just like the health care situation. Let the market determine the costs on a persons ability to pay, one semester at a time. 　 　 Let me explain this idea more thoroughly. 　 　 You graduate high school and apply for a loan each semester. It's the same for everybody who applies. The school gets the money up front for the books and the classes you take. At the end of the semester your grades are evaluated. 　 　 You maintain a particular grade average, you are approved for another semester. You fail to meet the acceptable grade or fail a few courses, You renegotiate. Lighten the load or whatever so you can to keep your grades up to par, or you fail out, and start paying the money back $75 or a $100 a month until you are square. No more loans, or consideration for a loan until you are square. Now you keep your grades up pass all your classes and you get the next loan for the next semester. 　 　 After you obtain a bachelors degree, you renegotiate for another loan to continue your education. If you are accepted your debt grows but no interest is compounded on you. You stop school and go to work you start making payments based on your income and your ability to pay. Comes right out of your check you don't even see it. 　 　 Now you complete a 4 year degree. same thing you either renegotiate to continue your education or you get a job and start paying payments based on your income and your ability to pay. 　 　 Where is the problem and why would people not be able to get an education on these terms? If this was possible most everybody (who wanted one) would get an education. Keep it simple stupid (not you), K.I.S.S. Why does everything have to be so complicated?
I never finished college but I did do a 4 year apprenticeship in Painting and allied trades , I had to take a creative writing course and algebra , Drafting and speaking in public , so I agree you can get the education you want if you want it bad enough!! and I really like your idea!!
It's just like a tax debt except no interest accrued. If you have a legitimate job, part of the money goes to pay the loan. Today we have doctors and lawyers who graduate and don't pay their loans. Why there isn't an automatic deduction from their pay check is beyond me. 　 　 It's not perfect, I mean somebody could die on graduation night, and then the loan would be lost, of course banks have insurance to cover these things for personal loans I don't know why something like that couldn't be implemented. The government gives out hundreds of millions of dollars annually, at least most of the money would come back for the next kid who needs help. 　 　 The biggest thing about my plan is it is based on your individual grades, not your sex/race/creed/color/hat size, or something else insignificant. You apply yourself and you can benefit, and so does society. 　 　 　 Thanks guys, I kinda figured it was a good idea, which is probably why something like it hasn't been pushed for.
Agreed. Leave it to the market. Another possibility would be for colleges to issue bonds at whatever interest is required to overcome the risk. Alumni and others can buy them. The money is used as loans to incoming students at low interest (again, enough to cover risk). Students pay back the loans and the bonds are paid back and the remainder builds reserves. Of course that is all too capitalistic for the socialist academics who demand that a monopoly criminal organization do all the work for them.
Apparently some have never paid for a private university. The taxpayer flips most of the bill to establish and run State Universities in the USA. And I agree the cost is outrageous for the taxpayer, not the student.
The government has no hand in the State University system, Each state, has an board of directors who manage the States' university systems. THe taxpayer funds the Public Education and in most states their State's University. The medling is via the intermediaries and private contractors who take a pinch of the taxfunding and expansion of the University as well as fundrasing via State employee Unions, Education Unions and associations. State funded Universities for most US states consume close to 30% of the state's budget every year. For state's who combine the University system which include University medical and other athletic programs with the public schools K-12, they consume over 65% of a states budget. Reason is these education systems are consumers of tax money, they do not generate income like the courts, police and other county agencies.
Well, I actually didn't pay my own tuition.. so I can't argue on a personal level; but to your other post, you don't support state universities?
Catch, I am a man of many knowledges and have seen a lot of stuff. A 5%er if you will. I support universities but do not support spending on them without accountability. By looking at your states tax expendatures and revenue you will see just how unballanced it is. I do not promot socialism or communism, Just clear common sense and good judgement. Some countries like Germany, England, and Denmark have great universities that we all know, like we know the Ivy leagues of the USA. But their are other universities just as worthy in South America, China, Korea, India, and Austrailia. They have funding way less than what some US states pour into their College. In the near future, I suppose those universities will be aquiring the best and brightest from around the world now that the internet has connected them togeather. Because there are brilliant people in other parts of the world with no access or privilage to attend a "Name" college. In addition, the lack of the USA to provide decent edcucation to compete in the world will be another challange for the USA. Students in the USA get out of college with maybe some secondary language skill, while other countries teach 2-3 languages before they leave High School. Believe it or not, there are people in the USA that think other countries are teaching their children English so thay can come to the USA and get a job.
I live in NJ, my property taxes are so unbelievable I want to cry. But I think the establishment of state universities is a necessity; and until I see tuition controlled, I don't think many can argue against such.
I agree, But like in any corporation spending needs to be controled. No tax funded organization should be able to have a blank check and spend on what they want whiout accountability. If you have a State auditor, I can put money down that they have no control or accountabiity on the spending of your school's education system.
Um this isn't any different from the current system. Good grades get you better scholarships and more grants.
Grants are given away and grades don't mean as much as sex/race when it comes to getting free money. This scenario keeps getting paid back and the money will then go to another for the same thing. If your grades are not up to par "no money", and especially no more free money. The only incentive is to maintain good grades, and continue to stay on the program.
This already is the case. If your grade point drops below a 2.0 you are kicked out of college and no financial aid is awarded. This is how just about every undergrad school in the country works.
What you are not grasping is the "no" free money. You take what you need and you pay it back, no free rides. The money that is paid back goes back into the system and continues to allow others a chance to go to school.
I'm still not getting it. Student loans are not free money. And they are expected to be paid back. With interest.
I'm talking about eliminating government grants and government scholarships, no more free money. Interest, no interest doesn't matter. What matters is anybody who has the grades can get an education, and when they are done they pay back the money.
Well then I disagree. Grades are probably the least important thing. As long as a student gets the minimum grades to stay in and completes his college requirements that student will likely be no more and no less successful than a 4.0 student. What's important is making sure college is affordable to all.
　 　 　 To make that money available for loans. There can still be private scholarships by businesses and organizations etc... But at the time these things are highly political, or directed at women or minorities. My only stipulation is you keep grades up to an acceptable level, and pay the money back once you get to work. 　 　 　 　 　 Keeping grades up shows that you are serious about getting that education. If you are not interested then stay in the protective confines of mom and dad's basement, or get you those 2-3 jobs that makes you eligible for food stamps. I would much rather have the grades be considered above anything else. It shouldn't matter if you have light or dark skin, or if you have a penis or not. Those are completely irrelevant. You want the education you most likely cannot afford, get your grades up should be the only message we send to the future generations. 　 　 　 　 And this is the best way to do it. Economically the more people involved the cheaper it should be. Of course most people realize that isn't the case at all. Costs are determined by the willingness of people to buy. So the way things work in this deranged economy the US has today, I would expect the prices to sky rocket since more money will become available. One would expect schools to compete for the students more aggressively, instead they will all agree to charge a controlled price and cost will not decrease, but more people will be able to get an education. 　 　 　 I have heard of people getting turned down for loans based on their parents credit, or been denied grants because they live with a mother on welfare, and an absent father makes too much money, so I'm sure there are some folks getting left out in limbo because of an obvious catch-22. Many of the folks I saw in the military joined the military to get money for an education because they were in this sort of position.
There should be a military draft. Teach the kids to be adults and give them a rite of passage into being a man or woman. This will create great leaders for the USA in business and in the classrooms across the land. Also, it will allow the service man or woman to raise their own money for college and not mooch off the taxpayer or their parents. Independance, self confidence, motivation, and dignity: all the stuff they cant teach in schools. Also it will give the slower kids the ability to prove them selves outside the safe structured privilaged sheltered life of school. Only problem is the public schools can't even teach kids the basics for them to even qualify for the military.
When I was in the military I thought it should be mandatory as well for everybody to do a year or maybe two, but it would be a monetary nightmare to make everybody go into the military. I am still a firm believer that every officer should be required to do two years as an enlisted troop before they are allowed to be an officer themselves. Some of the idiots who are in the officers ranks might be weeded out easier if that were the case. 　 　 　 　 I also believe that the kids who excel shouldn't be forced to continue wih the same stuff over and over in high school and then again to receive a bachelors degree. If the schools were ran the way they should be run, most kids should/could be graduating with a two year college degree right out of high school. Save the colleges and universities for the higher learning.
I agree somewhat. The 2-3 years would be cheaper than paying the DOE for teaching a small number os students. A real leader could teach more kids and also create leaders (Chain of command). In the end there would be a better quality of people. As for Higher Education, IMO today it is just used as a escape for some and a contiuation of good times for others. And some will never go to college. Most kids have no I deal what they want after HS, other than what their parents want. And those kids will do college for the free ride off their parents with no real ambition or place in life. When/if they graduate, they will be mediocre at best, with non of the real life skills to pursue goals and succede. Over the past 16 years the US military has improved in technology faster than the Public Education system has. The demand for qualified people has increased faster than the US Schools can train/educate. These are the reasons why IMO the Public school system is and will fail the USA.
Absolutely no doubt about it what the school system has turned into in the last 30 years is non-productive and inessential for the needs of this nation. It does need to fixed, and/or reluctantly I would have to agree it needs to be scrapped. Any government program that cannot show specific results should be as well. No need beating a dead horse.
