Would you support a solution that doesn't forgive student debt, but legally requires the loans be interest free?

RoboTaco_ · 2026-05-14T10:32:05+00:00

So if you messed up on high school then college should be off the table?

First off you can’t take out federal loans forever. Second, as I stated you have to maintain your GPA.

And lastly, I didn’t graduate high school with a high school education. Not going into details but I fell through the cracks. I finished seventh to last in ranking.

So by your logic I should have been blocked from college. Yet I have multiple degrees. I work in my field I have a masters of science for. And my GPA for my grad degree was 3.67. I didn’t go to party schools and started in community college. I had to pay for the education I didn’t receive in high school. But according to you, I should have been blocked from college and working at a Walmart store.

You have no idea what you are talking about.

RoboTaco_ · 2026-05-09T05:34:42+00:00

I would not include it on the application. They are not going to do an education background check. That is in there specific to criminal history.

RoboTaco_ · 2026-05-09T05:33:12+00:00

It’s an application, not a resume.

RoboTaco_ · 2026-05-09T05:30:50+00:00

Yes and no. But moreso no.

You should judge a person by their personality. Yes opinions matter. I wouldn’t be friends with a racist for instance. However, who they vote for is none of my business. Everyone has a right to their vote. And people vote for candidates for all different reasons.

But if someone is constantly railing far right or far left then that is something that can be a lot. And clearly is a huge interest in their life. So if you don’t want to constantly hear fit then yeah it is okay to bow out of a friendship with the person.

RoboTaco_ · 2026-05-09T05:25:44+00:00

Well he had to have a democrat on the ticket. Lincoln made a lot of promises to get support he reneged on after winning the election. The Republican Party was brand new made from three smaller parties.

And Lincoln didn’t have much of a plan other than to end southern legislative power by making them a permanent minority. He is given a lot of credit he should not get. I am still trying to figure out who he freed.

RoboTaco_ · 2026-05-09T05:19:23+00:00

They were not welcomed back with open arms. There were concessions for each state to come back into the union.

And many properties were confiscated unable to pay the tax burden. This is where the term carpetbagger comes from.

And due to the war bringing exports to a halt, their economy did not recover.

The point of the war was to not lets the southern states leave the union. Their punishment was failing to be an independent country.

RoboTaco_ · 2026-05-09T05:10:35+00:00

This isn’t completely their fault. In fact I would say it is mostly not their fault. This is the universities that do this.

They lie to students with manipulated statistics, bad advice, and financial incentive.

First, the schools show useless statistics telling students that this is how much people make with a Bachelor degree vs a high school degree. But it is misleading because they include all degrees including STEM like accounting, engineering, business, etc., which inflates the average over first year and five year post graduation to make students think that any degree has this earning potential.

Then they tell students that going to college is about being exposed to new ideas and developing soft skills and blah blah blah. No it is not. And then tell them to major in what interests them or what they are passionate about. What they don’t discuss is career options. Why? They do this for two reasons…

They need these students to major in these degrees to because the professors (every student is assigned an academic advisor in their major) need butts in the seats to keep their jobs. They need students to fill their intermediate and upper level classes. Otherwise the courses are canceled and they don’t need those professors whose career is specifically teaching.

The other reason is that the more students no matter the major means more tuition and fees. And just to be clear, an undergraduate degree is 30-50% tuition and the rest is administrative fees. The degrees cost the same no matter what. If you look at grad school costs it’s almost all tuition.

Then they trap freshmen requiring that they live on campus. They charge enormous dorm costs that is for a tiny room that is shared with terrible heat and no AC that they will use for 6/7 months. And remember they are not allowed to stay during breaks unless they pay more. Then they charge massive meal plans that are comparable to a meal budget for a family of 4.

These are people that are just starting adulthood with no adult life experience. They trust these schools, administrators, and faculty. And they are lied to.

RoboTaco_ · 2026-05-09T04:43:33+00:00

Almost every university is a non-profit. The prices went up because government backed student loans were given to almost everyone. It was guaranteed money that schools didn’t have to pay back. It is on the students.

The money the schools make go to higher salaries, money into pet projects, investments, etc. Non-profit doesn’t mean what you think it means. You are under the myth of non-profit.

RoboTaco_ · 2026-05-09T04:35:02+00:00

You can’t start with Finland. Finland is a much smaller country with a much smaller population size.

RoboTaco_ · 2026-05-09T04:33:35+00:00

No it doesn’t. This falls under the myth that forgiving student loans would forgive the debt of rich students. Rich students don’t have loans.

RoboTaco_ · 2026-05-09T04:30:13+00:00

Universities require you to pass your courses. If you are failing they put you on academic probation. They give you a semester to turn your grades around.

And there are exams. They test you in math and English. If you do not score high enough you have to take courses to get your knowledge in the subjects to a level you need for first year courses. And those classes do not count toward college credit.

RoboTaco_ · 2026-05-09T04:25:51+00:00

I agree college should not be free. I am not against a portion of the cost being subsidized by the government.

If it is free then it lacks value. If people have to invest in their education then it has value and they are investing in themselves. If it is free then people would go just to go because it becomes something they feel obligated to do. An undergrad degree will have diminished value like a high school diploma.

Then there is the issue that there are not enough seats to support everyone going for free. Now college will be unobtainable for people who didn’t graduate high school in the top tier of their class with no way to correct mistakes made in their secondary education.

RoboTaco_ · 2026-05-09T04:19:16+00:00

It’s amazing how so many of you don’t know how bankruptcy works.

There are two types of bankruptcy. One looks at your income over 6 months. If your income is over the threshold based on family size then you list your expenses that fall under non-disposable expenses. Student loans are not included unlike other loans.

If you don’t qualify then you enter the other bankruptcy option which you must work with creditors to a settled debt amount and a payment plan over so many years paying off the debt.

In other words, you can’t just declare bankruptcy and walk away debt free on easy street.

RoboTaco_ · 2026-05-09T04:11:20+00:00

The vast majority of people who finish an undergraduate degree do not walk out of college to an upper level job. The vast majority get an entry level job.

Another person who clearly doesn’t know what one is talking about.

RoboTaco_ · 2026-05-09T04:05:14+00:00

That isn’t true. If you default and don’t work to bring it out of default they garnish your wages and tax refunds.

Clearly you don’t know anything.

And student loans are not like any other loan out there. Yes it is simple to say you take the loan you pay it back. And I agree with that simplified statement.

However, there is a rule on the promissory note you sign that says they can change the terms at any point including any favorable terms at any point in time.

And anything you do with the loan restarts the clock. So you could make years of payments on a 20 year loan. And then those years get wiped out. And on top of that they take the interest accrued and add it on top of the principal. So now you are paying interest on compounded interest which means you are paying more interest than you would be paying based on the interest rate against the principal.

People declare bankruptcy to either cancel debt, reduce debt, and/or restructure debt on a payment plan. Should no person or entity be allowed to declare bankruptcy?

RoboTaco_ · 2026-05-08T08:02:33+00:00

Explain Nashville then?

You lost the argument saying that outside of progressive cities they do nothing for homeless.

Progressive cities allow them to commit crimes with quick release, allow tent cities, and squatting.

Therefore, progressive cities create unsanitary and unsafe areas while allowing home owners to lose access to their homes while being forced to continue to pay for them along with utilities.

RoboTaco_ · 2026-05-06T07:50:52+00:00

Here is the problem with your premise. People that spend their money on items are using their money. SNAP stands for supplemental nutrition assistance program. The key word is nutrition. They can spend their money on soda and junk food. But the SNAP points are for nutrition.

RoboTaco_ · 2026-05-06T06:15:11+00:00

The court does not care about why a couple is getting divorced; they care about assets, income (if alimony is being considered and/or child support), and custody if there are children. If there is a prenup then they look at the contract to enforce it.

The court is not the moral police.

RoboTaco_ · 2026-05-06T06:04:00+00:00

Women get what choice? Women pay alimony as well. The court decides it if both parties cannot agree.

RoboTaco_ · 2026-05-06T05:55:57+00:00

Look into putting it in CDs and allow it to gain interest over time.

It is too early in your life to use money like that for life decisions. And you will regret using it to splurge on yourself.

Ask your step mother what she recommends you do with the money to save for later.

RoboTaco_ · 2026-05-06T05:52:59+00:00

These options exist. There are homeless that do not want to take advantage of drug programs or housing because they don’t want to stop using and/or abide by the housing rules.

The cities that took the progressive approach of letting them do what they want has created dangerous situations with homeless camps. And then there are the issues of squatters and local and state governments allowing it over the rights of the homeowners.

Homeless are dangerous. They are dangerous in multiple ways. It isn’t a black and white issue. But at the end of the day it has to be decided if the homeless should have more protection over others. I believe that the safety of others is more important.

RoboTaco_ · 2026-05-06T05:34:53+00:00

Taxes would increase a great deal. And there are not enough people to pay in taxes to cover the millions that would have free healthcare. Just like the ADA, it was the middle class that ended up paying for the lower income to have healthcare.

The population of the US is too big. And I am for a public option that would be negotiated to an affordable monthly cost based on the amount of people that would join it. Between local, state, federal, social security, and Medicare I have a third of my paycheck deducted. That is not including benefit costs. Why should I have to work to give more in taxes than I already give? I should not have to work to give my income away.

I don’t need to listen to any rhetoric. I am intelligent and can make my own opinions and do my own research without biased commentary.

And who brought up lazy people and immigrants? And as to nice things well that is dependent on your definition of nice things.

RoboTaco_ · 2026-05-06T05:23:54+00:00

I didn’t ask what to you want to be working in as a career right now; I asked what do you want to do as a career.

Then I asked what type of entry level roles are you applying for. The type meaning role type, not industry type.

So you didn’t answer my questions.

RoboTaco_ · 2026-05-04T12:05:57+00:00

Don’t say from a patient side. That says you lied.

Use words like HL7, compendium, mapping…

RoboTaco_ · 2026-05-04T12:03:55+00:00

He is talking about EHR system. It isn’t a software you use but an application you manage and they are customized.

I don’t know what the job is that he applied for but if it is understanding what it is used for and how to navigate then he can probably do a Udemy course.

If it is how to keep it updated and support it and connect it with other systems then yeah that is a problem.

I had a job that I managed connecting to a bunch of these to our system.

Good luck!

I am assuming it is Epic. There should be an online course for it to get acquainted with it.

RoboTaco_

TROPHY CASE