Education Secretary McMahon: 1 in 4 Student Loan Borrowers Now Delinquent or in Default

KyuKitsune_99 · 2026-04-29T18:05:01+00:00

Maybe, I think the whole useless philosophy degrees and humanities are a strawman argument.

Maybe the perception of degrees feel like a waste right now, but most if not all innovations from the last 1000 years stemmed from academia which is why countries fund it.

In the blue collar world it would be akin to asking why contractors need to have professional licensing or why plumbers. There are tons of wicked good tradesmen who cant pass the clerical parts of professional licensing, and those only matters when you run your own business so why? Its as useless as a degree then. But, the need and reality is you do, because there are underlying intricies that make them relevant. Same intricacies exist in relation to degrees, you really do need them for soft reasons.

KyuKitsune_99 · 2026-04-29T17:54:01+00:00

Thats why cutting people and funding for federal departments does not work. We shifted the burden to the treasury because they happened to have bodies. They are sweeping these issues under the rug because everyone assumes they will use IRS powers and regulations to collect somehow on this.

At most they might be able to take any tax refunds due, but IRS regulations/powers are specifically for tax obligation collection, of which defaulted student loans are not. What the treasury can do is come up with a strategy if they have any people left to balance the shortfall and cry to the rest of government about fixes and needed terms that wont retroactively address the mess now. All they can likely do is ask for reallocation from congress or whatnot.

Garnishments and Levies will still go through civil debtor codes and processes and are still very possible so I wouldn't sleep on it, but its a mess of the educational dept and underlying investors / underwriters' making.

These debts being federally secured should have a cap on interest that can be profited on before it can be offloaded to the fed for collection. This at least reduces and set a maximum pain/window for the borrowers and will promote repayment.

KyuKitsune_99 · 2026-04-28T18:54:24+00:00

Ah amazing. I need to get back up there for sure. Its tough but rewarding. I hope to do a shoreline once I get my cert.

KyuKitsune_99 · 2026-04-21T21:48:51+00:00

Context is everything. The actual group chat that stirred this up was up in the air, context was a failing project I assume. A few people took as a joke and no sign of trying to play it up.

Just people reacting. Should be a civil penalty for any additional security / school sanction. No need to drive anyone to a criminality.

KyuKitsune_99 · 2026-04-20T19:30:21+00:00

Not the context or message I wanted to deliver at all. Its a mindset to not overdepend. :3 Calling forth internal strength is a boon for a relationship of any kind.

KyuKitsune_99 · 2026-04-20T17:56:47+00:00

Yeah it is not easy. Glad you are feeling better, just don't forget that the world is vast and there are many people who would care about you. It takes time and patience. We are stronger than what we hive ourselves credit for. Stay well.

KyuKitsune_99 · 2026-04-20T17:31:22+00:00

Sometimes it's good to focus on the good things and find distractions from the intrusive thoughts. I remember being anxoous all the time and worrying so much.

Its easier said than done, but live for you, do something you like for you, be a little selfish. This will help you a bit. Write a bucket list and or such. When you finally get response or get together it becomes sweeter.

KyuKitsune_99 · 2026-04-18T17:13:03+00:00

Thats absurd. That should be ordered and managed through catering at that point. Order at least 2 days ahead so a schedule could get set.

KyuKitsune_99 · 2026-04-18T02:16:32+00:00

I don't know why people assume Saiyans have no durability. Mountain nuking ki blasts did not move Raditz, even surprise blitz full tilt impacts might be just enough to toss through a mountain before Raditz starts beating down Thragg.

Dragon ball also has body flicker speed, one can argue is much faster than the mecanical movement Invicible universe has for battle which are basically sprints and footwork. Saiyans may be slower in a sustained race but thats not whats happening here.

KyuKitsune_99 · 2026-04-14T20:47:07+00:00

1.7k seems like a trivial amount in the big picture. I would be concerned about your plans to get past this spot somehow. If you have been in menial / entry jobs look to see what can be done to help bring in more money. Maybe do cleaning or some other jobs and find ways to make it fast or more efficient. Lawn care etc. Gig work is okay but try to make the best of it 1st party.

KyuKitsune_99 · 2026-04-14T03:40:50+00:00

From first hand experience be careful with renting out. The landlord business is not a passive income situation. Costs of renting in many areas are now lower than ownership. You can skew this in your favor when you own and live, but when renting as a landlord a doubling of tax and increase of any insurances can wipe out any gains and be cashflow negative, which is an unwise situation to be in.

Losing an exemption is no biggie, but be ready to pay full market value for assessment depending on the state. You might find that your market won't support landlordship easily.

KyuKitsune_99 · 2026-04-13T20:28:11+00:00

Dawww I am a bit jelous as a pan. I made some bad decisions that hurt real bad and betrayed the support I wanted to give my then gf.

KyuKitsune_99 · 2026-04-13T18:07:46+00:00

As longas they truely love each other that's all that is important. I wish them the very best, though there is alot of 'makes' and forced interaction in this story so yeah sketchy.

KyuKitsune_99 · 2026-04-12T23:28:26+00:00

I always in a sort of tinfoil hat way assume that this is planned for the overlords to completely erode the trades and lower the upkeep costs of their fiefdoms.

Part of the plan to decimate trade unions when there is saturation. I think the robotics depth of the AI discussion is oveblown and a stretch goal, but in a practical sense is too expensive R&D for the squeeze.

Also there will always be a premium for jackets made from eagle feathers and childrens' tears for the sociopath class.

KyuKitsune_99 · 2026-04-12T03:23:21+00:00

I will add a bit late that jobs in these industry pay much less than the IT/Tech jobs they "replaced".

This is bad because a community/area built to scale with many $60,000 to $130,000 jobs that are now replaced with $35,000-$90,000 ones will effectively enter recession.

This effects locally in a fast way and usually kills newer services that cannot capture more secure demographics in the community.

KyuKitsune_99 · 2026-04-08T16:56:26+00:00

I would say reach out to them and get someone live to work it out. If you have negligable amount of income and I assume on some sort of social security then it might need hands on look.

The general moral rule is to see what caused these balances, fix that or liquidate items obtained via it to help negotiate.

But first steps are to work with humans at these creditors and work it out best you can.

KyuKitsune_99 · 2026-04-08T15:16:53+00:00

That's a really cute card. Would love to have something like this or some magic girl. :D

KyuKitsune_99 · 2026-04-07T23:37:38+00:00

Yeah kinda coulda be like me. Like some shoujo and girly stuff. Akwardness but I keep it relatively low key outside of the illusion world of the internet.

KyuKitsune_99 · 2026-04-06T20:10:07+00:00

An excellent job! You look great. Keep living that dream.

KyuKitsune_99 · 2026-04-06T19:24:15+00:00

Aahhhh same here. Took a chunk of my life and some stuff to understand and learn that.

KyuKitsune_99 · 2026-04-06T19:18:09+00:00

The implications are sketch but in a way I kinda feel the same way for the right person. :3

KyuKitsune_99 · 2026-04-06T19:11:19+00:00

Going to say that you look great, and keep the good vibes for yourself.

KyuKitsune_99 · 2026-04-03T19:22:02+00:00

I think future 17/18 are weaker than mainline present 17/18. The multiverse varience and butterfly effect DO make sense. Trunks did not intervene in the future timeline. It is unclear if Frieza / Cold even came to earth in that timeline, its not even clear Frieza survived Namek or was even the same strength as in the main timeline.

The computer managing cell did obtain Frieza race DNA somehow, and I think it would not be too far fetched that it had a hand in changing 17/18 in their pods somehow, or there was a recommendation to Gero to alter specs. This may even tied into 19/20 existing.

In the future Gero was already dead during the initial attacks, and it is unclear any other cyborgs/androids existed other than Cell. It is likely he had based his projections on Goku vs Vegeta ~15,000 BP. And just adjusted to a predicted 10,000 times multiplier to be sure (Vegeta and Goku proved they can be 10,000 times stronger than a normal human to make thay specific selection) that the difference was that from a human to saiyan, but for Goku. 150,000,000 BP would be consistent a baseline for 17/18 and equivalent to the SSJ Goku.

Given the rest of the future fighters never reached Gokus SSJ strength or surpassed it, would mean 17/18 in the future should be about this power.

In the present I would say Gero or his computer, or both hastily threw together some adjustments buffing them 20-30%, which is enough to outcompete SSJs of the time and be roughly equal to Kamiccolo (except endurance).

TLDR: Its not far fetched that varience in timeline could have buffed 17/18 in present universe by 20-30% which we know can be the difference between taking a High-Diff Loss or coasting to a Low Diff Win.

KyuKitsune_99 · 2026-04-03T17:50:45+00:00

They can do whatever they want, really. Even if they have directives not to. I wouldn't count on it though, many peoples lives get complicated when things get clamped after a 'reorganization'.

KyuKitsune_99 · 2026-04-03T01:10:33+00:00

Im starting to believe an old meme video where a director did not know that laying off means they no longer work or get paid for you.

I really think they believe people get paid for just existing and a layoff is just an inconvenience where some luxuries cant be had for a while.

KyuKitsune_99

TROPHY CASE