College Was Your Peak - It's Over Now

[@watamutha]

TBH I feel bad for everyone who was lied to about college being the key to a better life.

[@greensmurf221]

We were all lied to in that regard, sadly.

[@nemostrangesonginthedirt8448]

They say the same about highschool

[@albertoacosta6788]

Only the smart one ones figured it out first semester, I left the first 3 weeks how much idiotic and money grab all of it was

[@daddyinacaddy]

Don't, especially nowadays. If they got their degree pre internet age they should have paid it off by now, and if they got it during the internet age it means they were too lazy and/or low IQ to do their own due diligence with a simple Google search; in either case they're low lives. Most people look at reviews before spending $50 on dinner, you should probably do something similar with far more scrutiny before spending $50,000 on an education If I take myself, was majoring in political science, I knew and had several people throughout that initial 1.5 year period telling me that my major is worthless (I'd reckon most worthless major students do from a friend, relative, or "rogue" professor) . But I thought...ehhhh...but I may be the lucky one. Luckily my journey ended up with a degree in accounting, but it was ultimately me listening to Wiser people like Cappy and IRL + listening to my conscience saying "dude that degree is going to be WORTHLESS". Most people will go to great intentional efforts to avoid math and tough topics and deserve the poverty that follows.

[@nemostrangesonginthedirt8448]

@@daddyinacaddy Hey it was a similar path to mine. Me listening to Clarey and Reading the book on choosing the right major corrected my path. I decided to chose Mechanical Engineering. Any other dreams I had can be done as hobbies at my expense. I am mostly cruising through college right now and have 5 more classes before entering my program.

[@DraegerV1]

I dropped out of HS. Got a GED. Joined the Army. Now i make $150k/yr and have zero debt. Never went to college.

[@amazinglats6020]

What are you doing for work?

[@josiah5776]

My former daughter-in-law has two masters and a PhD In Gender Studies, History of Art and History of Women in Science. No job. Peaked in college.

[@adamantlyadam5201]

Wow

[@rally_chronicles]

Why former? You are lucky. Please tell me more about her.

[@huntmatthewd]

PHD in gender studies!!?? That's a real thing!!?? Good God. 🙄

[@martinrea8548]

@@huntmatthewdt's a self supporting system. These PhD holders hope to establish themselves as academics, spreading the poison to a new cadre of wide eyed, highly indebted fools. Quite cynical really.

[@pascalbohm2456]

more like PhD in blowing chads

[@fauxbro1983]

Bidens student loan forgiveness was all about votes in the midterms

[@greensmurf221]

It's the same shit they did to the African Americans. Carrot and a stick

[@megacide84]

I believe this will help Biden's opponent(s) in the next presidential election. As those who had their hopes crushed on student loans amid other issues will sit out the election.

[@trzmdpath]

The Biden Administration knew that the student loan forgiveness proposal would not succeed.

[@IaintTheHerb]

Exactly. They were never serious about passing it, they just wanted to be cool for the kids.

[@pdub88372]

Well he never had the authority to do that anyway. Pelosi said it herself.

[@saberspeed77]

dude college is hell. all I do is cram for the next test to not fail out and waste money lol.

[@Whitetiger187]

Everytime I go to my old campus I get such mixed feelings. It was bacicly a place to pay a lot of money to work my ass off and try really hard only to be constantly told that I was not good enough.

[@michaelhurlbut4830]

My son went to Colo. School of Mines. He lived at home and worked part-time. He graduated with ZERO student loan debt. Daughter went to a local 4 year college, lived at home, and worked part-time. She graduated with ZERO student loan debt. WINNING!!

[@patrickwilliam3322]

About 6-7 years ago I spoke at a 'career day' at a middle school, as a local entrepreneur. On a paper I handed out to the class, I advised the kids to skip college, start a cheap business in high school, live at home until 25, spend nothing, and invest all money into real estate via house-hacking. That is, if they weren't sure college was for them. As for winning, doing this you will own 3-4 properties by age 25 instead of working at Starbucks with zero properties and $100k in debt.

[@dirtydan1861]

That's Charlie Sheen bi-winning right there!

[@waqarbutt6773]

My sister did the same. she also got a grant and after 5 year she had money left over. I work in the trades and have my own house almost payed off. only last 63500 euro left and am 42 years old.

[@transitionsnc]

Congratulations to your family for having common sense. Starting out with zero debt gives you so many more options.

[@blastermaster7261]

​@@patrickwilliam3322what do you consider a cheap business? 🤔

[@TheBasedGM]

Cappy, cant thank you enough for helping me ditch my plans for a Finance BBA at a big state university while I was a senior in high school and instead encouraging me to do the budgeting and research to switch to an Info Systems degree at my local university. Graduating a year early with no debt and likely going to make an extra 10k in starting salary.

[@transitionsnc]

Good for you. Good luck!

[@foxsspace]

Congrats! Welcome to the club!

[@fxfxwc]

2/3's of the student loan debt is women. "strong independent women"...now corrected........you got this.

[@Leftists_are_Losers]

And any man who marries these women will instantly own half of her debt. Or more.

[@Navy35]

Well now they have their “ careers “ to pay it off in their forties. While they are looking down on traditional wives.

[@patrickwilliam3322]

Strongly indebted

[@JGComments]

60 percent of the college students are also women, BTW. that’s not the issue, the issue is 80 percent of all the debt is for BS degrees and courses.

[@martinrea8548]

@@Leftists_are_Losers😮

[@doron166]

The millennials tried using the government for Money, but the politicians used the millennials for votes😂😂😂😂😂

[@MA-wq2ih]

I remember one of my profs talking up "student loan forgiveness" ten years ago. Even then, I held that it would never happen. Not for any "legal" reasons...but because student debt was just too valuable of a club to hold over their heads and manipulate them for votes. No politician benefits from a solved problem.

[@pontiacGXPfan]

College is a hard lesson in diminished returns....sacrifice four years and 100+k for a sheet of paper and no guarantee of employment in addition to lifelong student loan payments

[@reatile]

Quite literally a gamble ☠️

[@ViltrumiteIsRite99]

Damn man. The social aspect sounds cool, but it sounds like I dodged a bullet. 10s of thousands of dollars for the life ain't worth it. Cappy's removed my college-FOMO. What a god.

[@FailedChadLite]

College is still worth it for the right degree, don’t let the just do a trade bros tell you otherwise. I did Accounting and am now chilling in the AC making six figs in my 20s.

[@isaacaguilera3385]

I know, I love my accounting degree everyday.

[@historywithseanALM]

Finance and accounting are the only non stem degrees that should be advised.

[@JunkSock]

Majored in economics, should’ve done finance. Good for you brother

[@ImGrippinNow]

Most dudes in the trades never make it past 56k/yr. The ones that do are either masters of the craft or know someone with connections to an amazing company but still end up looking 50 years old at 33

[@goldenchain2120]

grinding hard for this electrical engineering degree… ill see you on the other side bro ✊🏻

[@Harry-q2q6y]

Late 90s? 😆 I remember watching the "I'd like to teach the world blah blah" Woka Cola commercial back in the early '70s!

[@jenniferbryant2700]

I get clowned for joining the army after highschool , like I f#cked up or something. I have no regrets. I got to spend my early 20's getting paid to live in Heidelberg, Germany. It was a 9-5 office job with all federal holidays off work. Plus, 30 days leave. All expenses paid. I had a blast. I still went to college afterwards. I had the GI Bill plus Hazelwood.... Now, have VA healthcare. Winning....

[@ViltrumiteIsRite99]

Would you recommend Army, ANG? I understand you have to work really hard to achieve such benefits and pay offs, and I want something like it. Maybe not army, but I'm willing to apply myself to a career that'll take care of me.

[@snapdragon6084]

One of my classmates in college sadly developed a brain tumor after law school. Ultimately she lived another 10 years before passing away. She was unable to practice law, much less hold a steady job, after her diagnosis. Her law school debt was forgiven as a result. This is about the only circumstance for which I'm ok with someone having his/her college debt forgiven. Otherwise I'm completely against student loan bailouts. Yes, college costs more than ever. So what? Both students AND their parents should have exercised more due diligence before taking out loans to pay for worthless college degrees. Asking others to cover these debts through higher taxes is unconstitutional and undemocratic.

[@TheJeremyKentBGross]

I agree, but it almost doesn't matter with how excessive deficit spending is. Inflation is already so high it's quite a challenge to find any investments that can keep up with it. The national debt is enough to buy every person in the country, regardless of age or immigration status a brand new Porsche 911, or every single tax payer a quarter million dollar house. That's how much buying power has already been stolen off us above and beyond taxes. If this isn't reversed, and it probably won't be, it's leading to the painful death of the empire.

[@Douglas_Gillette]

How did she get the forgiveness approved? Fill this form out if you are experiencing brain cancer?

[@kivie13]

Glad I never had the college experience and stuck it out in the military for 23 years. Also glad I was never good enough for the girls because I was "only enlisted". Retired outright at age 48 owning my home and having no rent or mortgage. Being looked down upon by college grads having to do the daily grind and will have to well into their 60's is so delicious. Edit: If you are reading this and are a college grad still having to work for a living, yes, I am rubbing it in.

[@rally_chronicles]

🫠

[@kampar82]

You've earned your right to rub it in.

[@transitionsnc]

Good for you. I wish you a good life. Being in the military is not easy.

[@salvyy]

Massimo rispetto.

[@herkload]

Congrats 🇺🇸🗿

[@l.3626]

The best paradox is when those people who never achieved anything in life who are free to go to college here in Germany to back into school to teach the young, it's insane

[@NamelessKing1597]

“Those who can, do; those who can’t, teach.” - George Bernard Shaw

[@l.3626]

@@NamelessKing1597 exactly, why would any master not do something important

[@rocstarang5747]

​@@l.3626@namelessking mastered the dragonslayer swordspear

[@yourdude5260]

its no bacon of hope

[@MoltenMetalGod7]

Very common in the US as well. People float around for 5-10 years after college, don't accomplish anything, then decide to try to break into academics and become an "instructor". the best instructors I had were ones that had related field experience. Not purely academic. "career advisors" are by far the worst they usually have zero experience in the field they're trying to advise people on getting into .

[@alieosharp3083]

I felt that on a spiritual level, the hate for everyone that got the college experience. I had to pay my whole way through, only got one scholarship for my first year of college that only paid half my first year tuition, despite having been top two percent of the country for just my math scores on my SAT, all AP classes my senior year, extra curriculars and first generation. Parents couldn't help cause they lost everything in 2008 and never recovered. Stayed with them and didn't have a dorm cause why spend that money on something I can't afford anyway. Then I get shut down halfway through due to covid and was told not to come back on campus cause I'm unvaxxed. Six years later after this catastrophe, I've been in my industry for a whole year now, learned more at my job than in all five years of college beforehand, and I MIGHT graduate this year. College is a scam.

[@ponz_s]

You sure showed them unvaxxedmaxxer king!

[@jerad4336]

I finally paid my student loans off last year.

[@Unhinged29]

good for you I got rid of mine in May 😀... now to start saving for a house😢

[@someguyusa]

I'm a 34 year old military veteran going back to school for physical therapy using the college benefits I earned with my service. I gotta say, it's rather insulting to me to see these politicians and students insisting on a bailout for NOTHING. That said, there are problems with college because it functions more like a business than an organization that is truly trying to benefit students with educational options that can actually be useful and lucrative. I don't blame these students either. They are young and dumb. The system is setting them up for failure, and it's often too little too late by the time they realize it.

[@WhiskeyPatriot]

30 year old Vet, used mine for Trade job. The peer pressure might be real, but so are the consequences. I say the loans should either be considered predatory or paid back.

[@dougfleming1708]

Big Academia is a racket

[@kivie13]

I paid for my GI bill back in 1989. Never used it and wish I could get a refund for what I paid for it.

[@someguyusa]

@@kivie13 You might be able to give it to your spouse or kids. If the post-9/11 is used instead, and fully used up, then you get the buy-in money refunded from the Montgomery.

[@beavermcdoogles]

@@WhiskeyPatriotat least paid back by the bullshit academic institutions themselves.

[@johnfroelich8554]

I hit it big at 42. It can be done

[@tarpontim1715]

my life in my 50s is probably better than it has ever been. It's all about my dogs and fishing and the beach. When I was in engineering school that was endless competition and stress. Now I am a lot truer to myself and not always so worried about everything. .

[@MrMiyati]

Can't pay off, on average, 30 something thousand in student loans. Drives a 40k SUV around town. Logic.

[@thealternative9580]

I’m going back to college for grad school. I’m Gen X. 1978. It’s gonna rock.

[@waqarbutt6773]

Good luck. i when to college to do electrical grid engineering and it was a good choiche. Lost off comcany are will to pay you to do the cource and pay you will you are at school. because ther arn't many people left in the sector and lost are retireing.

[@MA-wq2ih]

It's fun to know more about reality than the instructors.

[@WhiskeyPatriot]

You had the college experience, we had a platoon slip and slide in an Okinawa Tsunami. I win

[@Juliana_So_Unique]

"Poetry Slam" . Ha ha ha ha!! I remember that foolishness. What a farce.

[@jl696]

I had the college experience of taking classes when I could (on a ship, online at bases overseas and stateside, and taking CLEP exams for college credit in Liberal Arts courses I did not want to sit through). Eventually, I got my Bachelors and Masters, in majors people still pay me for (Computer Science/Cybersecurity). The military paid for most it with Tuition Assistance and the GI Bill when I got out. I didn't go to school full-time, partying in some fraternity or some student housing. I worked during the day and attended classes at night. I did get to party a bit in the military on weekends or during some port calls. Anyhow, why should I pay for the loans of these people? Why should someone who never went to college pay for these people? If you took out a loan, that is your responsibility. If you can't pay it back, that's your problem.

[@cameronthomas4392]

Government already gave them a 15%-25% off by deferring for three years while the usd lost value due to lockdown money printing. Starting salaries may lag real inflation, but it’s still a big win in relation to the debt they already have..

[@hornetguy9063]

I’m currently looking to be worth $2m by 40. At the very least by 45. Meanwhile people who couldn’t manage to pay back $100k over 20 years think that they should have an equal voice to me. That’s funny.

[@johnmcginnis5201]

Imagine, much of the outstanding std debt is for advanced degrees like say MBAs. So a prospective MBA can't run the numbers and see what a bad deal it is? Sigh....

[@SimicChameleon]

Thank god for community college and self study in them

[@naylorbroughton1159]

took me from 1994 to 2016 to pay back my studnet loan for grad school. I borrowed the money in 1992, right after I finished undergrad. No, it wasnt worth it. 75K. A MS degree at 35K a year. I paid every cent back and federal student loans at the time were running the low interest of 4-5% compared to almost zero for a decade and a half now. Also, when I took out that loan. The check was made out to the insitution. Not me, the borrower. I hear stories of students using the money for spring breaks, car payments, rent, books, pizza, Starbucks..........how?? All these "brilliant" people still unable to figure out what the word LOAN means.

[@Norm475]

Cappy, I did not go to college and I still made two bad decisions. 1. I started to smoke when I was stationed in Japan in 1961, and 2 I got married in 1965, thank God I corrected both of those decisions. I quit smoking in 1973 and I got a divorce in 1987. At least I did not incur thousands in student loan debt, instead, I saddled myself with a loveless marriage and years of alimony.

[@awolgeordie9926]

I smoked for 3 decades (age 15 to 45) because I'm a fool.

[@noona514]

Thank you for your service.

[@seafoam6119]

The fact that you regret marriage more than smoking is terrifying

[@Navy35]

I went into the military right after high school It wasn’t easy and I often envied people who went to college. But in the 4 years of my enlistment I seen much of the world, met interesting people and saved some money. We had that military experience by partying overseas and meeting many females. Yeah maybe people with a degree do have a head start, but when you factor in the amount of time in school and not getting paid and then the amount of time you pay off your student loans it’s not always the best case scenario.

[@theproplady]

3:06 - I think you're talking about Blossom.

[@arron1673]

Maximum Bialik. And Jenna Von Oy

[@glenfordburrell1076]

Went to an open day at my local bus garage. Whist waiting in their dingy offices. I couldn't help noticing the screen save of proud a Caribbean employee. Before going any further, I'd like to describe the offices. They were like something out of the Seventies. Imagine the series: Hill Street blues! There was exposed pipe work everywhere, filling cabinets, and the walls hadn't been painted in decades. If I remember correctly, the offices didn't even have windows, let alone ventilation, the IT system looked so old, it was if they had been installed after the company had upgraded elsewhere - humming, groaning and creaking as the ancient drives strained to the windows95 commands. Anyhow, after the dude logged off he Swivelled towards me in his chair and beckoned me to look at his screen. On the saver was an image of his daughter. Portly - but not what one would call a spring chicken. She was obviously in her mid to late forties. She was decked in her graduation, garb sitting under a tree. The photo was definitely taken from a height and most likely by a drone operated and expensive professional photographer, which daddie's "little" girl deserves! With her mortar board donned carefully over her weave, she grinned, looking upwards towards it. I felt sorry for this dude, who probably was the first of his work colleagues to proudly have graduate daughter or the first in his family. Unbeknown to him, his dilapidated office is an indication of his value towards the company. Another barometer of this employee's status was the companies lavatories - which I had earlier used. Not only did they smell, but it was as if the urinals belonged to an abandoned nuclear bunker. Go-ahead buses had just competed a round of redundancies. It was obvious he had no choice but to continue working for them - chained to his desk after remortgaging his house to pay off his daughter's student loan debt. I felt sorry for him. But I felt more sorry for whoever had to yank his overweight daughter to her feet!

[@KadoTheNorm]

Jesus man I need an antidepressant after all that 😅 you have solid writing skills and story telling skill.

[@timothykuring3016]

I worked and counted pennies when I was in college. I had to live on mac and cheese for years. I didn't get to have the college experience, although I was surrounded by other young folks who were absolutely flush with money. They had cars, and they went to Spring Break, and they went on ski vacations for winter break. They drank in expensive bars, and most of them were stupid in class. I didn't mind that they had all their wealth and privileges, but their arrogant attitudes toward me were kind of irritating. Like they considered me the servant class, and they all presumed they would be better employed after college - usually through the connections they made in fraternities. They became your Baby Boomer lying bosses. When I would go to the offices in workshops that I worked in, I would see them either running to hide in their offices. It seemed like they were huffing cocaine all the time. They were completely incompetent, and they didn't understand the seriousness of hazards on the floor that I was complaining about. All they would do is look at me blankly and offer to shake my hand: "Oh yes," they were going to look into that. I knew they wouldn't and they never did. The day I walked out over safety violations that they wouldn't correct, a sand blaster blew up and sent a few guys to the hospital. They were such liars, incompetents, and screw-ups! And they still had a pretense of superiority. All bluff and bluster with no substance. But they enjoyed the college experience to the full.

[@timothykuring3016]

I never understood how they passed their classes.

[@marcnolin816]

I got a degree in accounting from my local university and also had a bit of a "college experience" but managed to pay all my debts within a year post grad. I have a LOT of friends who couldnt say the same now and find themselves grinding at the starbucks or walmart because they bought the lies hook line and sinker.

[@snakeplissken3063]

College is a minefield for young men. You can have your life ruined by an accusation. There are no consequences for the accusor, but your life will be ruined because employers can access that info when they do a background check. If they hire someone that has been accused of sexual misconduct, they can get sued. So you will be stuck working crappy jobs your whole life. It's not worth the money, it's not worth the time, it's not worth the risk.

[@ponz_s]

A minefield? The fuck kind of reality do you think you live in buddy? Do yourself a favor and off the internet. The "false accusation problem" is not nearly as wide spread as you make it out to seem.

[@nobodyknows2919]

I just want to know if all these snobs who thumbed their nose down at us community college students because we didn't want to pay 100k for a degree thats going to get us the same job..... do you still feel smart?

[@WaveLord14]

College overall is definitely still worth it. The key thing is dont pursue a useless degree that will lead nowhere.

[@kivie13]

I agree. Going into crushing debt with no guarantee of employment upon graduation while the corrupt corporations are paying corrupt politicians to keep the border wide open and an unlimited amount of H1B's to take the high end jobs that become mediocre jobs that don't pay much is some galaxy brain college degree thinkin right there. Not to mention the end goal is to make the working class with degrees nothing more than serfs with crushing college degree debt. College educated Galaxy brain thinkin I tell ya, galaxy brain.

[@marcmeinzer8859]

I wanted to go enlist in the navy but my parents talked me into going to college. I went to a state university so I wouldn’t have any debt when I graduated because back in the 1970s my tuition was only $750 per year. I refused the private school that accepted me because their tuition was $3,600 per year. But what people don’t realize is that for most college students college is basically just finishing school so they’ll be more desirable in a sales job than someone with bad grammar who’s presumably more vulgar than they are. At any rate when I graduated I went to the navy recruiter and enlisted rather than applying for OCS because I wanted to be a sailor not an officer. Eventually when I obtained an appointment to OCS I decided to refuse it since I only had a year left. It was because of being a veteran that I could go to the VA to get bladder surgery at a time before I had private health insurance. I also went to alcohol rehab at the VA decades prior to that. Lots of college students are actually quite miserable. After all, if you’re not academically inclined, and most people are not, then how are you going to enjoy being forced to read loads of books for four years? Only half of all college students ever earn their BA/BS if you include all of the community college students who tend to quit after obtaining some sort of vocational certificate such as peace officer’s academy, phlebotomist, or perhaps word processing for administrative assistants. People who take out loans to go to college are basically insane at least to me. And they don’t deserve to have their student loans forgiven.

[@rogerblakely7453]

I'm in California. However, I did meet some of them during college. The Macalester people were some of the nicest people that I've ever met. Don't hate. :)

[@patrickwilliam3322]

If that means rich kids, generally going to agree. I went to school with people I didn't realize were *extremely* wealthy. For the most part they were friendly and fun to hang out with. If anything they were a bit sheltered/corny, but it wasn't off-putting. There was the douchey, stereotypical version of rich in some of the frats, but they were a minority.

[@tarpontim1715]

Not to be the contrarian, but my life is way better now in my 50s than it was when I was in college 25 years ago. I was an engineering student though and not one of the flakier majors.

[@dirtydan1861]

You are not a normie conformie inferior. Engineering school was easily the worst part of my life. Had some good times but definitely not glory-days worthy.

[@medwayhistory3101]

“It’s like being a Canadian” LOL Happy Canada Day Canadians!

[@jacobfield4848]

90% of students peak at college.

[@ponz_s]

You have a source on the lil pup?

[@RRaquello]

Ha! I'm even worse. I peaked in the fifth grade. Anyway, that was the most fun I ever had. What a little ass hole I was. I did go to college, but didn't get the college experience. It was a cheap commuter school, so no Frat House, no parties, no campus, no rah-rah sports. But at least I graduated without any debt.

[@patrickwilliam3322]

This isn't true at all. I'm doing well financially for my age and NW is way above average. But $10-20k is $10-20k. It certainly helps. I'd love to have it but it doesn't look like it's going to happen. My plan is to just settle my loan balance with refi funds as soon as rates go back down. As for the ethics of it, I essentially agreed to this massive, non-dischargeable debt as a 17-year-old high school kid, at a time when every kid was 100% propagandized that college was the *only* way to prosperity. That shouldn't have been allowed. If the government hadn't meddled in the loan business and backed the loans, the banks wouldn't have lent it.

[@beavermcdoogles]

Agreed, that’s like like holding impressionable 17 year old kamikazees responsible for being propagandized to crash their planes into American aircraft carriers.

[@noona514]

I think student loans should be abolished completely. Any relief is a bandaid and doesn't do us any good if the loans are still available. The greedy colleges need to have their supply cut off. Revamp the whole curriculums and stop promising people jobs. It's so evil! So glad I stopped at undergrad even though I was pressured to go to grad school. I said "Nope!" Now I'm in the military with access to some great financial tools to set me up for later in life.

[@visualjazz2200]

Don't know if anyone said this, but I believe the character was Blossom.

[@RUUDEBOI5]

I never went to college, but I currently make 120k a year... own a real estate business with a couple properties earning 60k a year. Altogether currently making 180k a year and a networth of a little over $1 million and growing. I always saw college as a scam if you don't have the money up front. I still want to go for the experience plus to have a degree under my belt, the only difference between me and my millennial peers is that I'm paying for it outright. Watch out ladies a successful bachelor is coming your way 😂

[@jwarrior9986]

See, you fit a modern woman's definition of "loser." A definition that she will no doubt give you from her studio apartment while she eats Ramen noodles for dinner. 🤣

[@info_fox]

Learn to be humble

[@timothykuring3016]

I'm against the student loan bailouts for the same reason you are. I argued against the student loan system since I started college in 1980. And I argued harder against them to young folks like my nieces and nephews, and they listened to me and did well whether they chose to go to college or not. The one who went to college studied engineering and robotics, which made sense, and he was making good money right out of college. College standards were falling constantly as the cost was rising and I was saying it was a bigger rip off all the time. It should have become clear to everyone by now that it was a very bad idea, unless you needed it for something like engineering or medical school. Even then, I thought it was risky, but if the student was bright enough, sure. It should be allowed to be discharged in bankruptcy, because it always should have been. If it was dischargeable in bankruptcy all along, banks wouldn't have made the bad loans. I'm all for allowing the banks and colleges bear the cost of the bankruptcies, because they knew they were running a scam. Let it bankrupt them, and we can be rid of them.

[@paultest4544]

One of Cappy's best videos :)

[@briandrake6881]

School is what you make of it. Like anything else. If you go and you are serious about making the best of it; then it will be. Same as military. If you go just to get a check and get by; then that is on you not the system.

[@unitedstatesofpostamerica7559]

There is something wrong with the University system, I’m not STEM is even that worthwhile at this point.

[@Rocket9944]

I disagree drugs should be legal, at one time I thought it was a good idea to legalize marijuana/ edibles but now me being promoted as a manager and trying to find decent workers because everyones lazy and high 24 hours a day ,no one wants to put in at least an 8-hour workday no matter how much we pay them.

[@Ominiumshadow24]

I work with tons of potheads. I'm one myself, I get more shit done and I'm a warehouse manager.

[@ponz_s]

If you ACTUALLY paid them enough maybe you would get actual half decent employees and retain them. But you most likely don't haha. Now stop complaining and deal with the consequences or get a new job, bucko.

[@Yeetus223]

As some one who wanted to double major in sociology and psychology it took me one semester to drop out from that shit hole.

[@skanlines]

Better to be addicted to meth, then have student loan debt weighing you down for the rest of your life.

[@MrNoahsamen]

I graduated from a Tech College, Earned a Technical Certificate in IT. No Job Sadly. Sad Life 3.6 GPA

[@The_Natalist]

Peak in highschool, its cheaper 😂

[@soulblack621]

You know what has peaked... the American Dream...welcome to the party suckers🤣🤣

[@johntoobie6]

I was at the University of Illinois Champaign-Urbana and there was this college bar called 'Gully's. There were booths, there were tables and on one wall was a sign that said "These ARE the good old days/best days of your life."

[@123pencilboy]

Was Red Lion or Joes around back then?

[@johntoobie6]

@@123pencilboy There was the White Lion Inn on Green st. Gone now. I was there from 1989-1993

[@Joe-rp8xn]

Where is Europe did you eat? France and Italy have nice food. I'd recommend Poland and the Czech republic for tourism stuff, underrated countries, can go to the gun range too.

[@exvan3571]

Excellent comment! Salt mines in Poland are a must see!

[@ponz_s]

Cappy just has a dog water Amerishart take when European countries don't serve 5 pounds of slop each serving.

[@noona514]

Please do not go to college if you don't have the money. Join the military and after 3 years Active Duty you can use your G.I Bill. That's only if you absolutely need a college degree.

[@jaredbills72]

In my situation I actually disagree with a lot of this rant. I went to college. JUCO and then a 4 year. College sucked. I grinded to get good grades. On the evening of my 21st birthday I was finishing a project and studying for a Spanish test. I worked part time and was a full time student. Although I was broke and never had any money, I enjoyed learning in the classroom and outside of it with student groups and volunteer organizations. For the student loan debt I had an in state financial aid scholarship, utilized Pell grants and applied to scholarships which enabled me to visit Europe on a study abroad program. I ended up having 28k in debt which were all Stafford loans which means they were low interest. I've got the debt about halfway paid off and have been saving money for when this student loan forgiveness thing ended. Wasn't sure what would happen but wanted to be in a position to pivot either way to potentially buy a condo or just pay off the debt in one payment. Oh and I was a journalism/broadcast major. Don't use my degree but do utilize my soft skills in business to earn money and have a great work ethic that was developed through college. I remember one loser dude in my fraternity telling me that I thought everything was a competition and I was like yeah dude it fucking is. Getting into the university was, dating women is, when you get out into the job market you will have competition every damn day. So I think for some people college was their golden years. It wasn't mine. While I had a few good days, most of it sucked ass. Now I can pay for a 2 bedroom apartment and have peace and quiet on my own, consistently employed, live in a large metro area with plenty of stuff to do and I don't have to give plasma just to buy a fucking beer at a bar. Life is good and I think college helped me in putting in the work early to live a good life after it. But I'm not going to shame anyone who is doing well without it. Where I'm from if you didn't go to college the other alternatives were being a trucker, doing some labor job or working as a teacher making 30-40k at the local high school or JUCO. Not for me fam.

[@waqarbutt6773]

Good job. The problem is people that do arts and craft or other not use full degrees and have 300.000 of debt. We had a student that did fine art studys, travel the world, when to tibet to get in spired and finest top of her clas. Yes she was top of her class her teacher wher very inpresed buy her tibeten art mide with real monks in tibet but the 420.000 eur debt is not good. We is working in a museum meding ok money and has a side gig as travel agent for arts holiday. But she wil never pay of that debt never own a house, no sane person will mary her.

[@jaredbills72]

@waqarbutt6773 I was a journalism major and only racked up 28k. I am not sure how she could have went into 300k in debt. I have friends who went to med school and have 100 to 300k. So I literally have one third to one tenth of the debt they have. I am not using my degree in my current job but with the comms skills I have such as writing and public speaking this can be helpful in jobs like recruiting which is what I currently do or project management or change management. People just need to get creative with cross transferable skills and strengths. You may want to confirm what her degree was and what the amount of debt is. I've noticed a lot of RP content creators do use hyperbole to make their points seem stronger than they really are so just want to make sure you aren't falling into that same trap.

[@luket3452]

Every adult hammered into our heads the college lie since preschool. Either bail us out or give us the fucking jobs we were promised!

[@Robertperezshow]

I started studying Civil Engineering in 2009 and I paid out of pocket never took a loan for it.. College recruiters were really pushing the design field. The housing market had collapsed but they were saying the Civil Engineering field was still in demand and thriving blah, blah, blah. I graduated in 2011. and there were no jobs. If I had studied the markets back then and understood Elliott Wave theory i wouldnt have studied for a college degree. I eventually found a job in Civil Engineering.

[@robertberns5220]

Thanks!

[@BobbyL5757]

My cousin has a masters degree and she has the intelligence of a yard full off mowed grass.

[@readbank1333]

I went to college and got my associates degree. In my gut I wanted to quit. I should've left and did a trade or took a vocational course. Luckily I didn't acquire student loan debt. Fast forward a decade later, I had th opportunity to get my bachelor's for free through my job and STILL didn't want to go to college. Hell I could've went to college during the 7 years I worked at an old job Yeah, I don't think I'm going back....

[@t_ford]

I enjoyed this stream too much

[@jkbrown5496]

"A man does not come to college to learn to earn a living; he comes to college to learn live!"--Percy Marks, 1923 What kind of life does college teach you to live these days? "Colleges really are big pet cemeteries, aren't they?" said Kyle. "You send people there, and they come back wrong." --'Danielle's Passion', Tired Moderate, 2023

[@jwarrior9986]

College teaches you how to be a woke intersectional feminist activist or ally. That won't keep a roof over your head, but it sure will cost you as much as putting a roof over your head. Sure you could go get a tech degree, but man look at the job prospects in such hot fields as feminist dance theory or the super high paying Social Work field! If you are attending an institution and you aren't going into a field where you can earn a 6 figure salary...you are stupid. Enjoy poverty.

[@turkyturky6274]

College was not your peak, college is where you busted your ass getting that stem degree and are now employed with a high skill tech job making 6 figures. If you partied your life away in college, you kinda had the shit show coming.

[@jessemoseman]

I don't think they should be lending to 18 year olds majoring in things where they can't pay their loans back. No one will give a shity business plan a loan why are people lending to students majoring in things that don't pay. Why do you want people that made bad choices when they were young to struggle with 30k plus in loans.

[@Insignificatos]

Cappy rippin' Truth a new arsehole 😧😅👏

[@joefunk76]

3:22 Blossom - Mayim Bialik

[@snakeplissken3063]

"But college is more expensive now than it was 20 years ago". Yes it is, and that's because people voted for the gobmint to subsidise it, and also since it is more expensive and you get less value from it, you wouldn't have gone if you were smart. Now you want someone else to bail you out. No. Tough nuts. You signed the contract, pay your own debts.

[@Douglas_Gillette]

Big Academia is not the root cause. Idiocy and shortsightedness is the root cause. It is clever and reasonable for colleges to take advantage of the situation.

[@jlprescott7243]

Most college degrees are over-rated unless its most STEM majors. Cheers!

[@roscoep.soletrane1584]

I’m 7:30 in. Laughing non stop

[@roscoep.soletrane1584]

😂

[@titolovely8237]

"i have a degree but need a bailout because i cant find a job that pays". *me sitting here working my job that requires only a GED and making 95k/year in a southern state where the average wage is like $35k*. HMMMMMMMMMMMMMMMMMMMM i dont think you need a bailout, i think you just dont want to do anything difficult. honest to god you can get hired at walmart right now and work for 1 year then theyll pay for your training and CDL to get you up to earning $70k/year. after like 5 years of driving fleet you can earn $85k+ and owner operators earn like $100k+. it's insane how ppl just cant make money. it's so easy, but u do have to do unpleasant things like actually working. as for the arguments about not starting businesses or families because of student loan debt, i hate to break to to everyone but if youre in you mid 30s or later, and $10-20 thousand dollars is a big deal to you and what's preventing you from starting a family or business, youre not starting a family or business even if you got it forgiven. by the time youre 40 you ought to be contributing 2-3x that amount to retirement accounts per year and if youre not then the issues isnt the loans, it's the fact that youre bad with money or cant earn a decent income, both of which are very solvable problems by you, not the government. the bailouts are just an excuse as to why failures are failures. do what i did and turn your life around by taking responsibility for it and your outcomes.

[@Josh-fp2qn]

What is your job?

[@michaelwebber4033]

I had my tiny student loan paid off over 20 years ago

[@DarlingStudent]

@3:25 Mayim Bialik from Blossom

[@noona514]

Also Management is a horrible major. Don't do an MBA. Useless degree.

[@Stefano.C]

I don't think I peaked yet

[@lowtiertactical7701]

I want to know if any spent the student loan money on dance music festivals.

[@TheKingWhoWins]

More than a few I would say

[@IaintTheHerb]

Bailout for all was the wrong approach. But they should allow student loans to be dischargeable in bankruptcy. This wouldn't be a blanket solution, each case would be judged independently. It would allow poor people the same tools as rixh people for a fresh start. Billionaires get bailouts and bankruptcy, but the poor student with the stupid loan he took before he was trusted with a can of beer gets no break? Fuck that.

[@readbank1333]

Blossom....

[@MrTrincent]

Blossom

[@thomasmueller2319]

Target is hiring!!!!!!!!!!!!!!!!

[@saxachewon8062]

Lol I remember Sylvia Plath

[@bryck7853]

1099 is good for biology bc of bioinformatics, check it out. I was disappointed that $4500 didn't get forgiven, bc I had to take stupid classes that had nothing to do with bioinformatics...like "Speech" [required]...couldn't they just test you to see if you make sense when you talk? No, that's a 3 CR HR class >> $$$

[@redrustyhill2]

I've known some who peaked in high school

[@snakeplissken3063]

People demanding debt bailouts are like the people demanding reparations. Politicians will pretend to listen, they'll make a half-baked attempt at writing a bill, but it will never pass, and you will never see that money.

[@l.3626]

Wdym there is no food in Europe, food is literally everywhere en mass and way better than in the US

[@beavermcdoogles]

Exactly, Cappy is a lying Masonic crypto-Jew

[@greensmurf221]

Depends on where you're getting your food. Walmart? I'd agree with you on that. Local farmers markets? Then no.

[@l.3626]

@@greensmurf221 make 0 sense, then at best it's as good, if you've been been to Europe then don't talk about it and go visit the countryside especially

[@adamsnelson4689]

For the algorithm

[@mojoman327]

That dog won't hunt.

[@yurbamate3969]

My name is Paul Allen. You may remember me from movies such as American Psycho. Anyways, i, paul Allen hit my peak after i made millions on Wallstreet. I now frequent Dorsia and live on a tropocal island filled with hot latina women. That loser Patrick Bateman never did get into Dorsia😂

[@williamsaloka9043]

Blossam!

[@teekay436]

❤Cappy n da truffffff

[@CandlestickTV]

For many it was high school lol over over

[@postworld1185]

I really like listening to you and I'm fine with you putting down the actions of others, but none of the paths you suggest are attractive either. I'm worried that if you make people feel bad about their current lives and your alternatives don't appear attractive - then people will turn to crime. Is there any way to convey pursuits that at least appear to be fun, attractive and interesting? Maybe you should lie.

[@dallahan7879]

When was any good option supposed to be attractive? The attractive choices were the ones that lead people to things like student debt.

[@SimicChameleon]

It good idea to take responsibility in life. It separates loser and winners in life