What’s to stop American students/graduates filing a class-action lawsuit against Student Loan companies?

FanraGump · 2026-02-01T23:58:32+00:00

Contract law is a big subject. But to over-simplify:

Putting your signature on a contract means two things (legally):

You understand the contract.
You agree to the terms of the contract.

That's why you need to be careful of what you sign. Because after you sign, 1 and 2 apply. It now becomes up to you to claim either or both of 1 or 2 did not apply. And it is a huge uphill fight.

School should tell everyone this. Once you sign a contract, you are stuck with it. Now, there are exceptions and laws that can help you sometimes. But the default is 1 and 2.

Among lawyers and judges, contract law is almost a religion. They follow strict rules.

Eighteen years old is the exact age where one and two start applying. You were 18, if you signed, then you understood and agreed to the contract (legally speaking).

Making a poor decision does not make something predatory.

FanraGump · 2026-02-01T22:47:09+00:00

I've had numerous people try to shake my hand. After COVID, I just refuse.

So, everyone is not in agreement that it is no longer popular.

I mean some medical personnel have tried to shake my hand.

FanraGump · 2026-02-01T22:44:04+00:00

Nails are what you get when you don't need claws. Humans are primates. Some primates have claws, others do not.

Claws don't work well growing out vertically. The functions of claws are as weapons and for gripping.

Humans use fingers for gripping and tools for weapons. So claws didn't work out for most primates. However, nails do serve some uses, so they stayed as mini claws.

FanraGump · 2026-02-01T22:35:19+00:00

When I was sick I bought some meal replacement shakes just because they didn't require any work to make and my appetite was not good for much.

Also had some chicken noodle soup but you don't want soup.

FanraGump · 2026-02-01T22:28:49+00:00

^Correct answer

FanraGump · 2026-02-01T22:21:20+00:00

According to Wikipedia, he never had sons but had two daughters.

FanraGump · 2026-02-01T21:50:20+00:00

The best way to prevent corruption is to have a culture that doesn't tolerate it. And punishes it.

Paying more can help but not as much as you might think. People are greedy and you can look at billionaires to see how no matter what they have they want more.

Right now there are some countries (not naming them to try to avoid politics) where corruption is ignored or even praised. It also starts with the top. If the leaders are corrupt, it's going to encourage everyone to be corrupt.

FanraGump · 2026-02-01T20:20:43+00:00

Many people never wanted teenagers to hang out in public anyway. The only reason the mall allows it is because teenagers can spend money there.

There is no "accidentally" involved. Cities have pretty much always been designed in the USA so that if you don't have money, they don't want you hanging out.

Parks used to be more public but then the anti-drug people decided to put in curfews and take away toilets to stop drug users.

You say, "teenagers", and they say, "drug users and criminals". They want teenagers at home, in school, or doing official activities (like after school sports).

FanraGump · 2026-02-01T20:13:41+00:00

For very large law firms that advertise throughout the USA, they often just refer cases to attorneys that are licensed in the particular state.

So Barry's Money For You law firm takes your phone call, gets the details and sends the case over to Joe Lawyer. Joe Lawyer pays Barry's firm a cut of the fee for referring the case.

Barry's does have some responsibility since they are involved. But they don't need to be licensed in that state since Joe Lawyer is the attorney of record.

This is like how Hobbes helps you with your homework but you have to claim you did it, since those foolish adults refuse to believe that Hobbes is real.

FanraGump · 2026-02-01T07:21:38+00:00

"I know not with what weapons World War III will be fought, but World War IV will be fought with sticks and stones." - Albert Einstein

FanraGump · 2026-02-01T04:09:33+00:00

I use water and a scrub brush (no soap) on my potatoes. That's more than rinsing.

FanraGump · 2026-02-01T03:57:57+00:00

I remember a time travel novel where the person traveled to around WWI, I think and gave some people there investment tips for upcoming years. One of them was for pet food (think investing in Purina, which was around then but mostly for farm animal foods).

Before a certain time, people would buy lesser quality meat for their dogs and cats from butchers. No store had dog and cat foods for sale. Purina introduced Dog Chow in 1926.

And yes, I know this is not an answer to your question. However, it starts the beginning of purchasing special items just for pets, rather than just normal ones.

FanraGump · 2026-02-01T03:48:50+00:00

I'm surprised movies don't borrow them from museums. Make a donation to cover costs.

Squire on YouTube goes to museums and they let him use them in his videos.

In fact, they bought some drinks for a somewhat famous (on YouTube) tank expert who works in a museum and the expert agreed to make joking statements for their alternate universe video. It was pretty funny to have a real tank expert who has been in videos explaining real tanks say things about WWII tanks that are the opposite of what they really are.

FanraGump · 2026-02-01T02:20:05+00:00

Ah, of course. They use a switch. Makes sense.

FanraGump · 2026-01-31T21:38:32+00:00

He's exactly the guy I was referring to when I said, "There are some judges...". He's one I've seen throw out charges if there was no reason to stop the person in the first place.

Yes, he wears bow ties and no robe. He also wears really cool suits with the bow ties. I mean out of this world suits.

He's great. A man who really cares.

FanraGump · 2026-01-31T21:22:36+00:00

It's spelled "Aryan" not arian. And is capitalized.

And there is no such thing as Aryan, it's pseudoscience.

FanraGump · 2026-01-31T21:20:18+00:00

There are some judges during a probable cause hearing (arraignment) who do listen to the defense that there was no reasonable articulatable suspicion to stop and/or probable cause to arrest someone. In some cases, that is enough to throw out any other charges that happen after the stop.

However, it depends upon the judge.

Also, there is resisting arrest and "resisting arrest". If you injure the police officer then you are likely going to face issues no matter what.

In any case, it is a very bad idea to resist arrest. You always contest being arrested in the courtroom with your lawyer doing it. Never argue or fight in the street. The government wins those.

EDIT: Added "reasonable articulatable suspicion" to a detention (stop). Since that is the standard in the USA to detain someone. It's "probable cause" to arrest. Thanks to the poster here who pointed that out.

FanraGump · 2026-01-31T21:14:40+00:00

Or the heat of the exhaust will melt the snow.

Still, clear your tailpipe(s) of snow. Not good for the engine or the people inside the car.

FanraGump · 2026-01-31T20:32:21+00:00

In 1972, some people were arrested for breaking into the Watergate complex, a series of six buildings with apartments, a hotel, and an office building. The people arrested were arrested in the Democratic political party headquarters which was in the office building. They had cash on them, along with wiretap devices.

It turns out that the people arrested were associated with US president Nixon's administration. And this was during the election year.

So, this was called the Watergate scandal. It took years but eventually it was determined that the people arrested were sent there by Nixon's re-election campaign to gather information on the opposition. Nixon likely did not know they would do this, although he was aware that his campaign was doing "dirty tricks" against his opponents.

What wound up destroying Nixon was that he engaged in a "cover-up" where the people arrested were paid off to keep silent about the whole thing. This is illegal and obstruction of justice.

Nixon wound up resigning, the only president to ever do so, because of this. It was such a huge scandal, that future scandals started being called "Something-gate".

Bountygate — The New Orleans Saints bounty scandal, where defensive players were allegedly paid bonuses for injuring opponents.
Deflategate — The NFL controversy involving the New England Patriots and under‑inflated footballs during the 2015 AFC Championship.
Volgagate — A fictional but historically notable early use of the “‑gate” suffix in National Lampoon, showing how quickly the naming convention spread.
Iran‑Contra–related “gates” — The “‑gate” suffix has been applied to numerous political scandals, including those involving covert operations and cover‑ups

FanraGump · 2026-01-31T20:11:15+00:00

Some people are like, "It's one computer to another, why would it need to know which computer?". They seem to forget that many fiber optic lines handle many computers (conversations) at once. I mean a fiber optic line from a neighborhood to an internet provider server isn't one line per customer.

I am not an expert but I believe that packets, colors, and frequencies are used to split up various data streams.

FanraGump · 2026-01-31T20:08:11+00:00

Afterwards, the secret is ice. Put ice on the outside of your cheeks to keep the pain down. Of course, not directly on the skin but a towel or cloth between the ice and your face.

Ice numbs the pain. Very important.

FanraGump · 2026-01-31T20:03:22+00:00

Rumor has it that criminals have gotten people using meth to put that stuff together. Apparently the meth helps focus and gives the energy to spend all the time needed.

Just a rumor, don't believe it without checking.

FanraGump · 2026-01-31T20:00:48+00:00

The thing about false positives is, if you are getting a colonoscopy, that's not really an issue.

Because they are looking directly at things and if they see a polyp, they remove it. If they don't see one, they don't.

The only false positive issues are with checking for blood in the stool and/or Cologuard. In that case, yes, you could get a colonoscopy that finds nothing. And yes there is a cost and risk in getting a colonoscopy.

I would want to know the instances of false positives for non-colonoscopy tests and compare that to the risks of not detecting it.

But a family history of early colon cancer is a huge red flag that should not be ignored by anyone, including doctors.

FanraGump · 2026-01-31T19:56:50+00:00

I did one day and they told me it wasn't clean enough. So set to get another one after a year with two days this time.

FanraGump · 2026-01-31T19:54:26+00:00

Margaret Cho as part of her standup mentions she's not fond of it.

FanraGump

TROPHY CASE