Adam Ruins Everything - How College Loans Got So Evil

[@TheJPKaram]

“Yeah i’m seventeen i know what i am doing” That line hit me like a truck..

[@vfaulkon]

It hits everyone like a truck eventually. Don't feel too bad. ^_^

[@tytateii3399]

You and me both 😂😂

[@BoboMagroto26]

Famous last words...

[@joejug162]

TheJPKaram he does as much as anyone else, really

[@Rawen1982]

@@joejug162 No, but 17 year olds like to think that they do, just like 14 year olds do. Odds are a person is a lot better at making decisions of this magnitude, and with such shitty consequences, when they're older and are down right unsuited to make them at that young age.

[@Katie-mw7pd]

“I’m 17, I know what I’m doing!” Famous last words.

[@phoomchuepram8971]

4 years later...... *I declare BANKRUPTCY!!!!!*

[@Rawen1982]

Every teenage ever.

[@dotdotdotdotdotdotdottod]

He's 17 and in collage !!! Damn

[@catssucksatsmash8017]

By my chemical romance

[@snowangelnc4669]

The problem in this case is that the 17 year old is messed up because he DID listen to what the adults told him he ought to be doing.

[@filipwestling1549]

In Sweden you can loan about 7000 dollar each semester. And that’s just to cover living expenses. (Since tuition is 0 dollars). And the interest rate on student loans is 0,16%. This is what I gladly pay taxes for.

[@aronhuinink9500]

I think the interest is a little too low, it should be exactly the same as the inflation rate. In this case the government is giving you free money. Don't get me wrong: getting free money is good, but I think it should be used to finance other things Sweden probably already has.

[@_annoyed4692]

Pah, what a waste.. those tax dollars could pay so much more useful things than the education of your future doctors and engineers. Tax cuts for corporations, golf trips for presidents, bailouts for the gambling debts of banks..

[@gamerman5442]

I think this that is a bad system. now I do agree college can be a waste of money in the states spending but tax money on other people’s colleges is a waste of money.

[@personalspace6270]

@@gamerman5442 Are you stupid? Man a educated population is so important.

[@filipwestling1549]

Aron Huinink This is why student loans are a great way to get money. People that are able to take the loan, and invest the money. You have to pass 75% of your classes you borrow for though or you have to pay it back.

[@Pinkstarclan]

"but a few things you can do are--" *episode ends* oh.

[@mixologist74319]

Its only a segment from his full episodes on tru tv.

[@Lynk4Lyfe]

🤣

[@sarahasbury6608]

Where are those full epiapdes?

[@Lynk4Lyfe]

@@sarahasbury6608 your spelling gave me epilepsy

[@mr.carguy3161]

That's the point. You CAN'T do anything about it but be sick about being STUCK paying it back for DECADES!!

[@bones020694]

Lol the joke's on you sally mae, can't dock my paycheck if I don't have a job

[@sarquinnz]

bones020694 😂Trueee

[@supernova743]

There's certain types of income that can't be taken either. Usually some form of disability or welfare.

[@MrDigztheswagking]

bones020694 😂😂😂😂

[@_Alimm]

Liam Kitsingh apply to as much as you possibly can!

[@blizzzr8720]

you can't kill me if I am already dead! but who is stupider? the man trying to kill himself? or the person trying to kill the person trying to kill themselves?

[@nick-kd2yx]

Love how The only way to get experience is at a job, but I can't get a job without experience

[@TheGalaxyfilmtwo]

internships.

[@eewweeppkk]

That's just a meme and depends on the field you go into. If you go into a heavily saturated field or one that's declining, no one is going to want a fresh employee with no real world experience because they have a huge pool of veterans to pull from. That's on you.

[@RamblinRick_]

And, then when you have too much experience, you're fired and you can't find a job because you're too old and too expensive.

[@ikerants745]

TheGalaxyfilmtwo he's already ruined that

[@hyliastone286]

nick Volunteer work.

[@jenningsmills5398]

same kid couldn't quality for a $500 credit card. ........but will easily qualify for $60k in college loans.

[@Leafiestboyesage]

jennings mills TRUTH

[@justinmack6351]

because the student loan debt cant be forgiven in bankruptcy and is tax-payer backed. WOP WOP WOP thanks Obama! (JK that was George Bush)

[@michaelfilippi1520]

Justin Mack yeah not Obama. Obama didn't do shit while president

[@Peczhie]

@@michaelfilippi1520 At least he didnt fk shit up aye

[@freealways9271]

@@michaelfilippi1520 Acually Obama did A LOT of good things.

[@JM-bb8xi]

When I was 18 I argued with my parents for weeks about not going to college (I wanted to join the army so I could get the government to pay for my education, have a job, while serving my country) after I got chronic pancreatitis and the army wouldn't take me, (didn't make it past the medical physical), I was out if ideas but still didn't want the debt. My parents thought I was just being lazy. 50k in debt later my dad apologized to me for forcing me to go to college. I'm 28 the best job I got pays 16$ an hour, which I work while doing my masters part time. I know friends from highschool who make almost twice as much driving a truck, or just working up their corporate ladders from entry level positions. We really underestimate experience in our society. It's just as valuable, and you get paid to get it. Ya, I'm happy to be educated, I had some great experiences, learned a new language, lived abroad for 2 years after college working as an English teacher in Asia (which adjusted for cost of living is the most money I ever made), overall I could have done this all independently for WAY less. So if your kids don't want to go to college, don't assume it's cause they are lazy and hate school right away. Find out why they don't want to go. I wasn't lazy, but I knew the loans were not worth the piece if paper I got. My dad was the first to go to college in our family, but he was able to pay off his loans with a summer job, you can't do that today. I'm 3 classes from my MS now, and luckily I had the good sense to do community college during the summer to take as many transfer credits as possible, in combination with a swimming and academic scholarship for 2 years of regular undergrad, college is still only barely affordable. The crazy thing is my bachelor's degree cost 3x my Masters degree.

[@override367]

It's important to know that this is anecdote, my friends who didn't go to college all work minimum wage jobs and I make twice the national average. College works out more than it doesn't, even with the hellscape of loans Oh yeah I'm never going to pay my loans off, they're basically just a bill that comes out of my check like health insurance, forever

[@SarahWilk100]

If you where to do the army for 4 years it still might not be able to actually cover everything when you get out. Sucks that happened though but it's good that you're in better shape now.

[@SaotomeKun97]

Fun part: if you're drafted to fight in a war while in the army, there's a chance that you'll die, and then you won't have to worry about loans and other bullshit this modern society of ours has. So don't hate people who rejoice over the death of others, because chances are they don't really hate them, they're just very happy for them.

[@VaanOtacon]

To meter this opinion, there is one thing that is assumed that changes DRAMATICALLY the need to go to college, and that is opportunity. I would love to work my way up a corporate ladder, prove to people my worth, and work hard to end up at a great place in life. That being the case my area is so over-blown with non-skilled workers that I will never see that day. When there is competition for the lowest position available, the chance of getting a job with growth opportunities without having close connections with someone by sheer luck? Just about impossible. It took me about 6 years just to land a job that TECHNICALLY counts as accounting experience to eek my way into the lowest rung of an office position, and it will take me another 2 years at a job that pays close to the minimum in my region before I would even be considered still. If I had had the money or circumstances that allowed me to go to college before now I DEFINITELY would have, even despite the debt, because in the long term I wouldn't still be looking at another 4-5 years to be able to negotiate a salary I'm even a little happy with if I had. Now, all of that is my personal circumstance and reflective of my region that, while not unique, isn't going to be the case for everyone. My personal advice though is that you shouldn't go to college until you determine that you NEED to go to college to get where you want to be in life. If opportunities exist that might get you there without it, then try them out first. They likely aren't going to stick you with a lifetime of debt, and you can always try College out later if it's more beneficial to you.

[@johnrad9512]

Unfortunately college loans have been getting bigger and not too long ago college was deemed as necessary thing for almost anything. They are in fact more important than they were before, but it’s important to note that it’s not the best thing for everybody. It’s a very risky thing to go to college when you are unsure what you want to do and unfortunately most people don’t know. Not to mention a lot of people don’t realize the necessity of some college courses. There are jobs in engineering that pay well enough to end student debt and can be legitimately helpful to have degrees in, but then there’s stuff like English writing. People tend to ignore that degrees can be helpful in some circumstances, but there are a lot of areas of study where college probably isn’t the best option.

[@PowahSlapEntertainmint]

This is why I just asked my dad for a small loan of a million dollars.

[@rydemk4168]

PowahSlap Entertainmint THIRD TIME I've seen you! Wait no FOURTH

[@flissfloss915]

Powah, you're like trees. Everywhere I look I see you

[@michaelmaldonado6]

GI bill works.

[@darryljack6612]

PowahSlap Entertainmint right?

[@Jacob-qx5mn]

Hercules Mulligan You won't be seeing trees for long.

[@salokin3087]

How can Adam ruin something something already ruined?

[@TheSomeawesome]

Unfortunately so many people still don't see how inescapable taking the student loan route can be when they're blinded by the appeal of a prestigious university. So, though the facts should be common knowledge, high school seniors in the US are still either ignorant or "forget" these potential consequences when it's their time.

[@MaddyBlackbart]

What makes it extra insane is they're 18 year old kids? How is a kid barely out of high school supposed to make a decision like this that will effect the rest of their lives? It's truly scummy. It's basically a government backed scam.

[@christianali5431]

How college got so evil: liberal snowflakes took over and tried to ruin everything that they deem politically incorrect, which is pretty much everything to do with white straight men, or Christianity, or European traditions. If you want your kids to grow up right, never send a kid to college.

[@Eunostos]

Is it hard work being such a melodramatic princess, Christian Ali?

[@christianali5431]

Ben Richards I don't know. Ask the libtarded transsexuals that popped up out of nowhere in the past two years what it's like to be princesses. Where was this problem with gender fluid children being bullied 100 years ago? Or 10 years ago? Having an interesting name for something doesn't just make it Scientific fact. But you will never hear Adam ruin that.

[@chrisdiehl8452]

You also forgot because of federal loans colleges wanted more money and pushed tuition by 400%.

[@nicholask7566]

Chris Diehl This isn't the full episode. The actual episodes are around 24 minutes long.

[@noellecappella3960]

where is the full episode?

[@nicholask7566]

Noella Cappella On the TV channel TruTV.

[@spindillio]

B T I agree with your point, but want to add that corporations are supposed to be greedy. That’s why they exist. The government is the enabler here and therefore the villain in the story. Same goes for the government and the fed which enabled the housing crisis.

[@johndanielson3777]

You’re half right. Because the government cut education spending, public colleges and universities responded by raising tuition rates forcing kids to take out more private loans.

[@anuel3780]

"That's a lot of Pokemon Go coins" That joke didn't age well...

[@BananaDynastyX]

Why not? Most people know what it means, and i'm pretty sure it's still extremely popular.

[@martinolstad4604]

BananaDynasty not for people older then 16

[@BananaDynastyX]

​@@martinolstad4604 That's a bold claim considering your channel banner is Minecraft...

[@martinolstad4604]

BananaDynasty My banner is of history bro, i dont know what the most tragic moment in history has to do with this?

[@martinolstad4604]

*/ woosh

[@empathylessons2267]

*Also student loans are the reason that colleges charge ridiculous prices*

[@adeelrehman7692]

Empathy Lessons And the reason why cars cost so much, and why homes cost so much, and why phone prices are at nearly 1000 for phones marketed to an "average" user. Financing should just be straight up illegal. It causes prices to go up, then politicians argue about how to pay the higher prices, without thinking about how it got so fucking expensive.

[@smokyp3nguin]

No, colleges are the reason colleges charge ridiculous prices.

[@adequatepanda8212]

smokyp3nguin No because due to the fact that government backs up student loans and promises to pay all it to the college the colleges have no reason to keep prices low. If government is paying for it out of a seemingly infinite pot then why keep prices down?

[@smokyp3nguin]

Adequate Panda "If government is paying for it out of a seemingly infinite pot then why keep prices down?" Because you have empathy for other human beings and want to contribute to the betterment of society rather than leech off the system at the expense of impoverished young adults. They made a choice to exploit people. You can't burglarize someone's home and then tell them it was their fault for having breakable windows. You still broke the window. You made the choice.

[@adequatepanda8212]

smokyp3nguin That's a lovely idea but it's not how the world works. If the cost to you will be backed up forever you have no monetary incentive in keeping costs down. For example if government started offering loans to cover all of the cost of the car or a house you would expect the same price hike to happen as you are at a tangible disadvantage if you dont do it and the debts are now owable to the federal government.

[@amazon_kai]

"1.3 trillion in debt from 42 million students" That's almost 40k on average 0_0

[@katakouzina]

no

[@wilczalilas1385]

Katerina Newcomb you’re dumb.

[@virtuousphi]

Mystic Shadow OK sorry I misscalculated I forgot it said $42 million not not $42,000. What I should have said was $31,000 per person, but instead of insulting me you should have just corrected me. That is if you even knew the answer or did you just guess I had the wrong answer and you couldn't figure out the right one yourself.

[@Simoon-gh5xt]

Okay I'm so glad I don't live in America.

[@benjim8462]

Simoon2704 dude I'm American and I'm glad I don't live in US

[@madmachanicest9955]

Hey Adam you also forgot that multiple colleges including state colleges and especially ITT technical institute loved illegally or unknowingly taking out loans on behalf of their students they weren't informed of. So on top of your regular tuition you may randomly end up owing additional $50,000 for nothing. And as it's student loan debt you can't get rid of it even if it's fraudulent.

[@mouthshovel]

Being in debt your whole life for something 12 years of school should have taught you.

[@saiyjin98]

I always amazes me when people say they were tricked into going to college and getting loans. Surely high school math classes would tell you how compounding interest works and research papers would have taught you how to estimate expected salaries for your major.

[@lategamer6684]

They do it’s just that the people who don’t take the risks into account and strategise their decisions are the ones who get “tricked”

[@mercentperrault]

@@saiyjin98 Sorry, but those chapters which teach you how to calculate money were exactly what I hated because I found it very confusing. I'm not the type to haggle for price or bargain. You tell me a price, if it's anywhere near reasonable, I'll pay.

[@saiyjin98]

@@mercentperrault I guess you should hire a financial planner to do the math for you then. It's really important to use math to plan for your future or you may find out too late that you can't retire.

[@dragonboy141]

@@saiyjin98 High school literally teaches you nothing about personal finance or how loans and debt work. Also just to get an entry level job now you need a bachelors degree.

[@kaegemaru]

:| "that's a whole lot of pokemon go coins" is such a how d'you do fellow kids -__-

[@hillariat2147]

TLDR: dont privatise stuff that shouldnt be privatised

[@shayan7579]

Some Problems Got solved by privatising and Others got created that way. its As the world wasnt Just black and White but also different shades of Grey

[@Sunny_Haven]

But how do you know what should and shouldn't be privatized?

[@shayan7579]

@@Sunny_Haven Just ask who gets the Most Profit?

[@Sunny_Haven]

@@shayan7579 Are we talking about monetary profit or overall benefits, or both?

[@btc1m654]

The problem is still here ? So his conclusion that privatisation was bad is wrong. Some thing else is at play

[@projectnostalgia5427]

So glad that's not how Australian loans work, no paying back until income reaches a certain threshold and interest free.

[@pilot1721]

here in Australia i was paid to get my mechanic qualification. The government throws money at people getting trades its awesome. Australia has much better government oversight and less "free market" stuff.

[@pilot1721]

@Santiago Colla government in australia controls both costs and loans and keeps things so much more affordable

[@_annoyed4692]

@Santiago Colla "supply and demand"?! Here in Germany, when more people _demand_ an university degree in any specific field than we can reasonably offer, we ask for especially good grades instead of rising the prices. This way.. smart/hard working people can study instead of rich ones. Hmm.. maybe that's the reason you rarely hear "Oh, that car is a great piece of American engineering"

[@chiaraa4455]

Technically not interest free in Aus but indexation charges are added each year.

[@override367]

America has two kinds of loans: public and private (sallie mae). Sallie Mae offers no protections and will destroy your life. Public loans have a bunch of programs to pay them off easier - I have income based repayment, I make about 60k a year and pay $230 a month on my federal loans. It's not so bad. Oh the interest is about $250 a month, so I'll be paying forever, but whatcha gonna do - nobody cares or they woulda voted for Bernie Sanders

[@monicavandeventer5429]

I just paid off my student loans at 29 years old, and it's the best feeling in the world!

[@emjay2045]

🆓

[@londonmason6129]

Late congratulations 🎊🎉

[@endergamerm]

that seems afwul i am sorry for you

[@monicavandeventer5429]

@@endergamerm how? My husband and I are finally able to save up for our first home which we will probably purchase sometime next year.

[@unionjack0638]

@@monicavandeventer5429 I think they’re talking about how it took you until you were 29

[@Anyone700]

Forgot to mention how when giving these loans to people who couldn't afford them, they basically let colleges charge however much they wanted. Resulting in gross overspending on unnecessary facilities and the cost of college to skyrocket.

[@nicholask7566]

Anyone700 This isn't the full episode. This is a clip from a full episode.

[@lessthantwo44]

Both my parents are still paying off their student loans, they got them when they were around 20 and now they're reaching 50. Our lives are a constant struggle and there marriage is getting rough. The whole student loan idea was good until they started to take advantage of us. I hope to get a scholarship, but I know I have to work my ass off if I want one.

[@herrothere3356]

Vynnyal Wower yeah the reason why the middle class and the bottom class stays lower is because of loans for wants instead obtaining loans for things that can make u money. Picture this a mom with a salary of 100,000 per yr. she buys a house with her husband and 2 kids. She pays off her house but than she wants a more luxurious life style so she buys a new house that she has to put a loan on. But oh her car is 6 yrs old outdated she puts another loan on a new car. She pays off her new house and car 15 yrs later. Then she gets a raise and decides she wants more.Thats the thing with people they always want more things that will provide no extra income for them but yet they still put them selves in debt and blames the government. REMEMBER PEOPLE GET LOANS FOR THINGS THAT WILL GET U MONEY INSTEAD OF THINGS THAT WILL SIT IN UR DRIVEWAY. Thats the reason why the rich get richer they are financially smart

[@Endergirlz]

Herro there But those things make them happy. That's the whole point of having money.

[@jameswhite3415]

Federal loans good all other loans suck. Ofcourse if you are going into a lucrative career(atleast 6 figures) it wont matter

[@tomasxfranco]

*their marriage

[@nonenope886]

what did your parents do in college ?

[@danielsmerdel8214]

Soooo... if a college education is supposedly necessary to get a job (at least a good one) then why hasn't the public school system upped it's game to meet this new standard?

[@RubyLove549]

Daniel Smerdel they have.... they now offer early college education... so that when students graduate, they already have an associates degree and this education is offered as a free alternative... this shortens the time they with spend at a university and possibly lower their chances of needing a loan

[@AshenSpark]

There's also trade schools though that aren't as bad as colleges and still work as well.

[@Azhucabomb]

Daniel Smerdel It’s not necessary .....

[@saxman112]

And there's also community colleges as well which is also a viable option...

[@josephkeeney4789]

The liberal unions took over build there nest in your pocket . You pay for the life style the lazy liberal. Its like vacation time 5 months a year with out work. No weekends short work days. Great retirement & Ins. All you have to do is show up. So they don't learn nothing who cares just pass them. Will take your dues out of your paycheck.

[@annamess6463]

"i'm 17, i know what i'm doing" adams face after he said that lol

[@Yokat01]

The USA... even profiting off basic necessities like education or healthcare

[@cynister7384]

Flame Beats That's... not how it works.

[@Yokat01]

Everyone does. All the more important to keep a few things off the free market.

[@unforsakenentity]

College education is no a basic necessity. Try again.

[@andregon4366]

@Flame Beats I wouldn't, I like to sleep well at night with no consciousness problems.

[@Yokat01]

I'm not getting into semantics. The point is education should be free for everyone. Not just for those with money.

[@zephyr2905]

I know a couple in there 50s that are still paying they're loans :/ pretty depressing

[@nathanhyde2946]

Their*

[@darryljack6612]

Z E P H Y R WTF Really

[@jonathanmadsen1223]

your grammar makes me cringe...

[@assukka]

haHAA I'm 12 and everything makes me *CRINGE* haHAA DAE CRIIINNGGE XDDDDDDD

[@libbybollinger5901]

MrAssukka I can tell

[@memo-fq3ps]

That's why I'm going to a community college and why I took 2 1/2 dual credit classes in high school. I'll still have to pay a lot of tuition (especially once i transfer to a university) but sometimes the little things help. Also apply for scholarships and take a summer job if possible. And stay close to home so you don't have to move away from your parents, therefore not have to pay for dorms and all of that. And don't take liberal arts unless you're going into teaching liberal arts. And if you're into theater, art, or music, take all of those classes in high school instead of spending thousands of dollars on going to an art school. It's not like you have to have a degree in art to publish your work or something, right?

[@NJGuy1973]

People, take note: this is what a smart person sounds like.

[@jacksonq.218]

It’s a good idea but that’s not the issue really. The issue is how predatory universities and colleges along with student loans have become.

[@fariankatanchi2652]

cool. so just go to college and uni close to where you live... this is so brain dead that you should be ashamed of yourself man... absolutely banobo amounts of intellect

[@memo-fq3ps]

@@fariankatanchi2652 I never said it would solve all of my financial problems for college. How about you read the whole comment instead of reading the very first line or sentence and getting triggered over a two year old comment of someone who's saying that they just want to avoid student loans by finding other ways to save, okay? Like I said, these things can't fix everything, but something is better than nothing.

[@fariankatanchi2652]

Honestly kinda dumb dude, just happy that I live in a country with elite level collages and unies that are 100%free. Gl American dudes that honestly think that shit works one way or another

[@cooloceanwaves]

Comparing student loans to Edward Fortyhands - genius

[@Aaronstotle]

Jokes on you, I went to Community College and transferred to a four year. I'll graduate from U.C. Berkeley with $7,000 in loans, which I can pay off within a year. Miss me with that crippling debt

[@AngeloComedy]

Lol in ma country you just have to pay 60 € a month

[@FirstNameLastName-gq3uv]

Congrats. You did college correct. You went to a stellar, world-renown school and did everything to minimize your tutition. Most college students be fine just as long as they don't major in acting or arts or theological studies or go to fucking Liberity university or some shitty school like that.

[@tradeyenmarkt3528]

I don’t pay anything for college in my country.

[@bwgti]

Are you working a 18 dollar an hour job now? Or did you realize you needed to go back to school to get any kind of real job that related to your education? Or crap I don't know - you seem smart - you may have worked your ass off at a couple of unpaid internships and are now heading up some start up with a billion dollar market valuation in Palo Alto.

[@Phoenixrider9241]

In my country I paid about $200 for the entire year of college. Plus books aren't that expensive.

[@Silverwind87]

"But student loans are a choice!" So is voting in North Korea.

[@c4vengineering]

Tell that to the us government

[@UndertakerU2ber]

Student loans are a choice, and you can work at a minimum wage job to pay off your tuition at a community college to get your associate’s, or you can go to an expensive ass private college for four years by taking out loans with interest rates up the wahzoo.

[@Fr_OE]

@@UndertakerU2ber a minimum wage job in this day in age won't get you through a 20-30 thousand dollar tuition.

[@UndertakerU2ber]

@Franquis That’s why you go part time and not take 4-5 classes a semester.

[@Fr_OE]

@@UndertakerU2ber all of that because it's okay that higher education willfully overcharges students?

[@SevenPhotonsFilms]

Now you can understand Grant's biggest worries in life.

[@droppedoff6726]

Yo can we just take a minute to acknowledge how this man Adam always has the best visual representations to go along with his subject. Respect lol

[@pe4153]

They actually made stickers with "Loans" to look like an Olde English beer. Lol, that's commitment.

[@blvckno_1]

So moral of the story is don't go to college unless you get grants or scholarships. Boy am I glad I dropped out of high school to work minimum wage with all these college graduates!

[@dallasryder8125]

AJ Parisi Or join the military? I received my STEM degree paid in full. Plus can get a doctorate, in the next 3 years. Im 26. Still in (reserves) and have cheap but great health insurance for 50 a month, plus 150k in LI. Best decision I ever made at 19.

[@Dinoman9877]

Dallas Ryder Yaaaaay being turned into a robot.

[@mckecklee]

AJ Parisi wwoahh that's sad

[@LoydAvenheart]

Bitch we all are already robots, you just get to choose who's robot.

[@zorth4729]

Dallas Ryder Worst decision I've ever made at 19. You can make way more in the private sector, anyway.

[@rexnicholson9799]

0:28 you know that line was wrote by a boomer That’s a lot of Pokémon go coins

[@rodrigomateodelgadodelacru8154]

I mean gen X could have write it too

[@pinpon163]

Here's an advice: Go to community college for two years. You might not have to pay a dime. In that time get a part time job, save your money and maybe pay off a used car. You can transfer all your credits to a 4 year University, after two years. You already saved 30k, and there are way more advantages depending on your situation.

[@linusmlgtips2123]

zozo coco Agreed. That saves a lot of money. You don't need university education for an associate's degree.

[@AtarahDerek]

That doesn't work. I tried.

[@nlb1138]

I did all that and wasn't able to save anything from my 8/hr part time job because I was paying other bills, including my used car (which I did eventually pay off), and now I have a BA and MFA and $80K in debt!

[@aaronbarlow4857]

Do it! I am about to graduate with a general associates and transfer to ETSU. I have 28k saved + paid off truck worth maybe 5k now. I might be able to get through college without any debt

[@aloha2302]

You forgot the *** ***2 year transfer only valid if you're getting a 3.8 or higher in those two years or if that community college isn't overflowing with people. I have friends still waiting for that sweet, sweet transfer after close to a decade later. Between life and work, it gets harder and harder to make school a priority

[@eme6360]

*laughs in Norwegian*

[@joejoethepigeon2628]

*Cries in American*

[@thearmada6248]

*Shoots self with rifle*

[@pokelol97]

*laughs in europe*

[@pitaya4151]

Your name is EA

[@crescendus5747]

*dabs in canadian*

[@miya1285]

"thats a whole lotta pokemon go coins" that... that joke's one year old

[@bgtheone2903]

Dr. Drinkling 2 years old now

[@KalilIllinois]

And that comment is almost one year old

[@danconklin1816]

I still play Pokémon Go!

[@jonathanpalmer228]

Went to tech school, it was free. Now I'm a diesel tech making 50k a year with 2 years out of school.

[@joereimantz8185]

You're lucky, good luck in life pal.

[@jonathanpalmer228]

@@joereimantz8185 how so? Any can go to a trade/get an apprenticeship. Just don’t go to any stupid uti or any of those well known schools because they suck. Anyone will pick you up. Even without experience

[@theflyingtofu-4487]

I got a small loan of a million dollars ~ Donald Drunk

[@yokaialchemist2205]

So you're going to warn us but cut the video short on how to be able to pay off the loan?

[@PremiumVibesMedia]

Yokai Alchemist that’s the point xd

[@hokutonosword1]

you can't !! interests from debts are the world's biggest disease

[@buttercatg]

Yokai Alchemist right!?

[@alasaid5084]

Yokai Alchemist you can always go to Germany free for the best education in the world but you have to learn the language

[@cassie7377]

German's not all that hard, there' only three versions of 'a' and 'the'.

[@11donto]

And here in Sweden we get paid to go to school.

[@uvbe]

I think i'm going to Sweden

[@amberw9631]

Theost21 but all the same you still pay to go. I mean the professors checks don't come from no where. Taxes.

[@CaptainSexay]

yeah but how come taxes pay swedish universities but not american colleges where you dance your name and afterwards cry on twitter

[@Riksmarskalk]

We are not getting paid it's a contribution most student takes loans in sweden as well which we ofc pay interest on.

[@Burrgametate]

we could invade Sweden and use ur land to grow more paper for more college loans

[@crimsonmapping8525]

My grandma payed of her loans 9 years ago The government is still taking and taking

[@yoholup19]

I think you mean the original amount not involving the interest

[@crimsonmapping8525]

No that’s not what I mean, I’m saying including interest

[@yoholup19]

@@crimsonmapping8525 I'm assuming the government is only taxes chances are shes not losing from student loans unless she actually paid them off

[@pop5678eye]

Have you noticed each time a basic human need in America is privatized 'to increase competition and hence better service for lower prices' it ends up with service (of a basic human NEED) being denied unless you pay through your nose? In any other civilized country this would be considered extortion, but in America it's marketed as 'freedom.'

[@Cyphlix]

your free to be extorted lol

[@sabrinaschott8056]

yeah but it's almost like higher education isn't a basic human need

[@BewmBeatz]

Sabrina Schott it is if you want to live above the poverty line and make more than minimum wage

[@hexxity]

Actually Sabrina makes a good point. This higher education isn't actually needed and it isn't for everybody but schools, teachers, parents, etc. They all shove the idea that higher education is needed down everybody's throats. They say that if you don't go to college, you'll be a failure. Which is not true in the slightest.

[@sabrinaschott8056]

I mean, sure, it's helpful. But also, you don't necessarily need college to do it either. I'm in the military currently, and even if I don't go to college (which I probably won't), if I continue with my line of work in the civilian world, then I'll easily be able to make plenty above the poverty line, probably more than most who will take on tens of thousands of dollars of student debt. There are always workarounds if you're smart enough to figure them out.

[@eerereps]

Even here in Tanzania (East Africa) we have: Public health care available for $35 a year (family plans are cheaper), Free public primary & secondary education in public schools, And we have merit-based loans for College/University. Our GDP is just $47 billion and USA's is like $19 trillion. Why do you think is the cause? Military spending?

[@sussyfallen2914]

Land of the "free"

[@AlbertoDiaz-gq5xz]

Free to get fucked, that is.

[@smingjr]

Yep and your also free what to do with your money. Since some people are smart fincialy and are able to pay of their loans in 10 years or less unfortunately millenials want stuff here and now and that's why I'm glad I'm generation z

@@smingjr xd in Germany university is free In France It costs like 200€ a year In Spain around 2K a year 9500£ in England and that's really High for Europe You don't need to pay it in 10 years It's like the US didn't want you to study

[@DragonKazooie89]

Yeah, free market

[@Dokataa]

Land of the broke

[@blakeryder8995]

who else wants to hear what adam was going to say

[@SweetflyRachel]

This world is so corrupt...sighhhhhhh....there needs to be something done about it...

[@veryfancysavior7265]

Sweetfly Rachel well comrade...I've got some communism with your name on it.

[@jimbos7228]

Veryfancysavior id rather have food

[@coolshipvids]

Veryfancysavior but that’s worse

[@joshuadolin3829]

Veryfancysavior communism is 100 times more corrupt

[@thehailedacorn6054]

we could kill ourselves

[@luismelo2159]

*Laughs in almost free college in Europe*

[@bsg549]

some American: ye but you got all them Muslims coming in *yeehaw*

[@pratikpaudel141]

Some european: Laughs way harder coz the country with the most gun violent is America. So chances of getting killed in America is way higher than in EU. My college fee for 1 year: 100 euro's

[@Bagunka]

You can protest can't you?

[@thatsbananas6547]

Wow congratulations you must be so proud

[@johannadagny6237]

I live in Europe but I'm not sure how much it costs to go too collage in Iceland

[@BasKr1996]

*Laughs in German*

[@OxyPix]

how does your extremely racist answer have anything to do with college fees? I am German myself and my personal Life hasn't been affected in any negative way by Refugees. It has, however, been affected by constantly hearing false and uninformed "arguments" why we should all fear for our lives. There is even a Village in Saxony (the part of Germany with the most voters for the racist AfD Party) where far right protests were held before some refugees were brought there in 2015. The mayor was interviewed a few months ago and he had to admit that none of their fears has become a reality. Im not dellusional, there are some criminals in the millions of people, but the number of neo nazi violent crimes is far higher. And at least I don't have to fear to get shot on a concert.

[@bartroper9565]

I'm actually going to Germany for the education.

[@Robman92]

Bas Kruisselbrink laughs along in Swedish

[@love91239]

Bart Roper laughs along in arabic

[@aiham3mm400]

Bas Kruisselbrink deutschlaaaaaand

[@nickjoffe8433]

What has me worried, is how much longer can this country last when so much corruption and greed are slowly eating away at America's people?

[@EvolutionofAviation]

I don't know if I want to go to college... *But I do know that I don't want to get in thousands of debt to half-heartedly smoke weed all semester*

[@Mintbeef]

some people spend their entire life working on fred meyer which doesn't require a college education.

[@penta4568]

Psychedelic hallucinogenic relic of reality Hey! No wait a minute! I'm smoking whole heartedly. Lol but seriously it's stupid expensive. I was going to be a psych major but I'm going for mechanical engineering because of the student loans. It's no joke, make sure you get a degree cause dreams usually don't put food on the table

[@mdb45424]

a community college is much cheaper. if you take your time and have a job you wont need to take a loan.

[@seapeajones]

mdb45424 Exactly. Took 6 years, but I had far less debt than all my peers who didn't work. I expect things are even worse for kids now, 10 years later.

[@KevinEF]

In my opinion, money doesn't matter if you're in the top 5% and can get into a great college. If you get accepted into a really well known and competitive college, then go there. If you pick the right majors and things that you enjoy, then you can pay off the loan and be successful. Also don't be lazy once you get into college, you always have to be proactive.

[@MrNotThatFamous]

Either way cant get a entry level job without experience from that entry level job...USA is hilarious, you better know someone and get a hook up.

[@a_kid_called_apathy4994]

Whoa bro! I didn't know you can make a girlfriend. Someone should've alerted me so I can make my own custom girlfriend that caters to my every whim and not have any feelings or any trace of humanity of her own

[@Fekillix]

Get into a vocational school

[@thebestcompletely9078]

Mr Not That Famous Are you streaming today?

[@Nathan-tg4gu]

If by entry level job, you mean working as a crew member at McDonalds, it's not hard at all. Just putting together a half-decent student resume and not blowing an interview will land you a position at a fast-food restaurant, and from there, it's just climbing a ladder. Anyone can be qualified for an entry level job. They just have to have the right mentality and present themselves well.

[@ShotgunDiplomacy]

I presume he means an entry level job in a certain line of work. I hardly doubt you can become a lawyer by starting out at McDonalds (even with the right degree).

[@spoon3832]

When collegehumor is finally about college

[@JaydonTobler]

This is one of the most creative and best segments you guys have ever done.

[@emjay2045]

☝🏻

[@alphacause]

This is a video that old curmudgeons need to see - you know the type of individual who thinks this generation consists of a bunch of "whiners". Previous generations love to wax on and on about how they "pulled themselves up by their bootstraps", and worked hard and "paid their own way through college". The insinuation of all this boasting is that this generation is just indolent in comparison to theirs, and this generation just wants handouts. Nothing could be further from the truth. All one has to do is compare the average income of middle class familes in the 80s and 90s, in relation to how much an average university cost in the 80s and 90s, and then compare the average income of a family today and the average cost of college tuition today. In short, the cost of an average college tuition has far outpaced average household income, thus making the "pull yourself up by your bootstraps" admonishment misguided. If, for example, you were to compare the tuition cost of my old alma mater, when I graduated, to what my alma mater charges now, the tuition has gone up by 10 fold - and that is within a span of 17 years.

[@deanemarks8611]

Drake Santiago and the reason the tuition rate has increased is because the of the gov giving away grants to any person with a pulse. It's artificial demand that is to blame, not bankers.

[@alphacause]

Deane Marks, I completely agree.

[@BaresarkSlayne]

You actually argued against your initial point. Pulling yourself up by your boot straps in 2017 doesn't mean paying for your own college. It means figuring out if that is the correct path for you. It means possibly not going to college and just getting a job that is economically viable. Paying for your own college is like saying I'm going to save money and buy my own home without a loan. It's a ridiculous statement because it's not viable in this crazy out of control world. We have a government that doesn't act in the interests of it's people, who only tackle one side of an issue (at best). It then protects bad business from it's own failures and says it's helping people. We have a culture of people who think the only good way to make money is sign away 30 years of their life so people can follow degrees they think are "cool" but not economically viable. This video just blames capitalism for the huge cost of loans and blames none of the other responsible parties. So, the video isn't for "old curmudgeons", it's to tell today's youth their anger is justified, which it's not actually.

[@spikebarnett]

"Paying for your own college is like saying I'm going to save money and buy my own home without a loan. It's a ridiculous statement because it's not viable in this crazy out of control world." Bullshit. I am currently buying a home without a loan using money I earned from a great job I didn't need "higher education" for. You're right about the rest of it though.

[@hleghe810]

Drake Santiago curmudgeon?

[@Michael-Oh]

Scotland pays for my university education and I don't need to pay any loans back untill I make over 22 grand a year. No interest, no problem. Bonus, If I don't make 22 grand/year over the next 30 years after I graduate or drop out then the dept is wiped clean.

[@Michael-Oh]

Better bonus: It also applies to EU and English and some foreign students, but it depends on what course you take.

[@cigolsimons1768]

Wrong. I'm an EU student studying in Scotland and I don't have to pay a cent. SAAS covers my tuitions.

[@RF-xp6xe]

The Curious Artist... you're mistaken lol you have to pay interest on SAAS maintenance payments. And it's not 10 years it's 30 years. I think you need check over your information lol Just a heads up pal

[@starspaceschool587]

I could be wrong but that sounds like a horrible idea. Those who do well and contribute have to pay back. Those who do bad and don't put in also don't have to pay back.

[@MegaMementoMori]

That's stupid, everybody probably asks their employers not to promote them until the 10 year period is up (unless they would get more then interest rates)

[@fabman0318]

Sally Mae: " You boys have to come on my " Me: " I like where this is going " Sally Mae: " Boat " Me: * Zips up pants *

[@anousenic]

Did you misspell your nickname?

[@BaresarkSlayne]

This comment should have all the up votes.

[@ericdevdan3156]

"*COLLEGE* loan got evil" by *COLLEGE*humor

[@TheLMMCProgram]

FINALLY COLLEGE HUMOR POSTS SOMETHING ABOUT COLLEGE

[@trappedghost5273]

...and I am supposed to go get a degree soon to become a accountant... and people wonder why I am a punk child who despises the system that is in place.

[@freedomordeath89]

dont take a degree..get a job, save up, get rich dude

Go to another country to study In Germany is free

[@griggle9856]

Johnny That’s not... that’s not how it works. You can’t do that anymore, if you have no degree you won’t ever get a job above minimum wage.

[@davidmartineztorres8731]

@@griggle9856 unless you are brilliant and have a new incredible business idea. But most of us are simple humans. Not everybody can be the next Bill Gates or Zuckerberg. after finishing my bachelor in business administration I will do a master in statistics. You just need a laptop and you can work on your free time to start your mini PWC/Deloitte or something similar

[@griggle9856]

David martinez torres Exsclty

[@patricklambert112]

I have a staff member that has a masters in computer science and a MBA in international business, she owes over 300k in loans (even w/her GI bill), and she can’t get a job anywhere in either field because she owes too much.

[@Ulysses_S_Grant_18]

Fun fact: in the UK loans to go to university are payed back in increments after you earn over s certain amount AND if you don't pay it back in 30 years it gets wiped No one pays off their loans for uni IT'S GREAT

[@Cesar-so5no]

So what should I do then if I don't go to college?

[@Cyphlix]

Cesar 106106 Learn online for free. Better quality education, no life-indentured servitude

[@ReubenXR]

Thats retarded. Choices should always be college degree or go to employment to gain that experience. Online doesn't have better quality education at all...suggesting that is sad.

[@THATxDYSLEXICxKID]

ReubenXR it's sad because its true most schools suck.

[@GameCriticNoob]

Online education is actually pretty good these days. There's plenty of ways to learn a field you are interested in all for free. There was this one website where random professionals can make a course and you can watch any amount of them for like $10/month. And there's hundreds or thousands of videos. It's basically a Netflix but for learning. I unfortunately forget the name though. But decide what you want to do first and choose the best option for you. Can't go wrong with welding.

[@boiwifeyasmr4U]

Learn to spell college.

[@Starrylyra47]

This is why I’m glad my parents instilled a knowledge of financial stability. Graduated from college five years ago with 20k in debt. Five years later, I have 3k left.

[@oriakumia2526]

"that's a whole lotta pokemon go coins" I died

[@hjalde3479]

Imagine having to pay to go to college. This post was made by: Danish Gang

[@woahmannchill]

This post was made by the Communist gang

[@definingimage]

Yeah, and you pay double in taxes till the day you die. How much is a Camery there? $80k? Yeah, it's $26k here

[@ericfeldman1824]

Tony Amdi considering you don’t know how to spell “Camry”, it’s the education that you need more. Knob.

[@definingimage]

@@ericfeldman1824 if that's all you took from what I posted, it truly shows how stupid the left is

[@Rio-hg1ct]

@@definingimage Or you can get a college education, save enough money to go to a country with less prices, then live without student loans.

[@needsmoreboosters4264]

"Who wants loans, bitches?!"

[@illusion2937]

Cut off on cliffhanger..... So *WHAT CAN I DO TO COUNTER THAT*

[@Doomwolf82002]

Look into attending a Community College or Trade School and fill out a FAFSA to see what grants and scholarships you might be eligible for as neither have to be payed back.

[@happykittenmeow]

Various suggestions, organized by category. If you want to get through college without worrying about your debt until afterward, you need to do things while you are in school that will help you acquire a job that pays well enough to pay the loan off on time: - Get a part time job for summers, alternate working and school, or volunteer. Even if you don't make enough to do anything substantial with the income, you will make contacts, get experience, and build your resume. - Get engaged with companies you might be interested in later, such as at job fairs, industry conferences, and LinkedIn. - Work on projects related to the industry you want to be in. For example, I work in software development, so part of my portfolio is mini pet projects that I do in my spare time. If you want to minimize the amount of loans you take out: - Alternate school with a job. Some people can work a full job and go to college at the same time, some can't. You will have to figure out what works for you. I recommend trying to alternate first, because you're much less likely to fail that way, and it will give you more time to adjust to the difference between college and high school. You can also make more money if you are working full time, even if it is a 6 month contract or temporary job. - Work on scholarships, even if they are small. Do short contract work for little projects if you can and put the money directly toward your classes and books so you don't have to take loans out for them. - Find alternate sources of resources, such as books, your residence, etc. Minimize your cost of living. Ask your parents for help with this, use Google, and talk with other people with similar preferences to your own. - Be very careful about who you take loans from and the details of the loans. If you don't understand what the loan details mean, ASK. Don't agree to anything you don't understand, ever. Don't assume your parents understand either. If you have an account with a credit union, talk with them and they will likely be able to give you sound, objective advice. Plan for problems: - Don't expect to have solid employment at the salary you desire. This probably sounds weird, but realistically you will likely have various gaps in employment after you graduate. Talk to your parents about this, and make a plan for what you will do if you need their help with a payment or two. - Don't expect things to go the way you think they will. They won't, I promise you. You, or a family member will get sick. Your apartment will flood. Your car will break down. The further ahead you are in any loans you do have, the better. Always pay ahead if you can, but make sure to ask your lender to apply the over-payments to principle, otherwise it will go to interest in most cases. Even if you are just paying $30 extra each month, it adds up and will give you a bit of breathing room when something happens. It also helps establish you as serious about paying off the loan to the lender, and they may be more likely to cooperate with you if you need to delay a payment, or need another loan later. Consider work first, school later: Work for a year or two before going to college. You might have a better idea of what you want to major in, and you might have a more solid handle on life in general, too. Really think about all of the different potential arrangements and order of things, and see which one fits you, your resources, and your career goals the best.

[@Wrest2165]

File a class action lawsuit against the company's

[@ALSPEHEIR]

Invest in Eastern Poland.

[@Mah-LonCreativity]

He said garnish up to 15% of wages. Try 30% of my check gone every week. Such a scam for a piece of paper that don't mean shit. Up like if you have 10k or more student loan debt. I'm at 100k and climbing.

[@pjpless2]

60K right here, Brother.

[@mistermood4164]

damn what did you major in?

[@Mah-LonCreativity]

Video Game design

[@mistermood4164]

video game designers make upwards of 80K, you could live off of 30K each year, pay 50K for two years.

[@Mah-LonCreativity]

I play games. I don't make them. I don't make that kind of money. Thanks for trying though lol.

[@jadecoolness101]

Many kids aren't even 18 when they start university. If you're born from sept-dec, you usually START university at 17 (the year after you graduated high school), meaning that you weren't even a legal adult before you signed yourself up for all that debt

[@Unknownuser-ii6ri]

I'm just sitting here like " oh, Adam ruined student loans, let me just get comfy with my free Swedish education."

[@dogguy8603]

Alex Robinson that 3900 won't do shit, I live in CA and that will not pay for any 4 year university for even the first semester, and California wants to aid and abet illigals

[@Ash_W04]

And I'm just sitting here like "oh, Sweden gets free education. I'm just going to relax knowing America has better education than Sweden according to stats."

[@pythagoreanbeans7475]

British universities cost £9000 a year

[@eewweeppkk]

Free* *That everyone in the country pays for regardless of if they even went to college.

[@Calembunial]

@The Creator Yeah cuz in Sweden, their tax money goes toward education, whereas in the US it seems to magically disappear. And in the end, I wonder who ends up paying more taxes...

[@KNakanishi]

When the most comforting thought you have after college is, "Well, at least if I die my debt will die with me," you have only just begun to tap into what form modern slavery has taken.

[@darkdudironaji]

It's really easy to not go into debt while in college. Go to a community college for the first 4 semesters. Then move to a state college. Get a job. Save money for each semester. If you haven't saved up enough, skip a semester. Sure, you'll be 27 when you graduate. But then when you get your higher paying job from your degree, you'll be debt free. Sounds like a good trade off to me.

[@ZorotheGallade]

"Many loans have monthly payments LOWER than interests, so the amount you owe keeps growing no matter how much you pay" Wait, and that is LEGAL in the US?

[@isiell1799]

Yep

[@TruFinancials]

It would help if students chose more affordable schools. Do 2 years of community college, then finish up at a university (that's affordable).

[@KamiKaZantA]

And here I live in a country with 32-35% tax on my salary to pay for healthcare, infrastructure, defence, and education, with no attendance cost to attend any school, collage, or university... and I happily continue to pay my taxes so my fellow countrymen will be educated and healthy.

[@KappakIaus]

And that country is?

[@peeweeherman9411]

Scandinavia

[@peeweeherman9411]

Of course if all the citizens are all wealthy attorney's and doctors

[@princespuf]

So here's what you do. You take out credit cards. You pay off your student loans with those credit cards. COMPLETELY. Then you file bankruptcy. It's no longer student loans and it's done. Your credit score takes a plummet but you'll survive at least.

[@jacqueline716]

Too bad the loan payment website doesn't allow me to pay with a credit card...I have to pay through my debit account.

[@princespuf]

I would talk to a bankruptcy attorney first. Explain the plan and then pay everything with your debit card. It's going to go majorly red but then filing for bankruptcy afterwards should give you something to work with.

[@princespuf]

Well it sounds like you have a plan. I wish you tons of luck with it!

[@ThePaganSun]

Why people think privatization is always a good thing is beyond me! 😑

[@zorrothegreyishblade3339]

Pirate-ization

[@CaptainDoomsday]

Who has ever thought that? Like half of Adam Ruins Everything episodes are "As soon as something was privatized, human rights were borderline violated for profit."

[@markcrawford5810]

Government gives money for college, college charges more.

[@CaptainDoomsday]

@@markcrawford5810 Almost like it's kind of messed up to allow businesses to charge exorbitant prices with no limitations.

[@markcrawford5810]

@@CaptainDoomsday Colleges can only charge what people can afford and if people can take out loans easy they can charge more.

[@YCCCm7]

Dammit, Adam, nobody plays pokemon go seriously anymore. You might as well have said "Pokemon GO to the polls" with a laughtrack.

[@Cyphlix]

YCCCm7 That would've been Hillayarious

[@ducklife4player620]

well he is a hanzo main

[@HydraAtaku]

I still play along with 300 people in my whatsapp that I met. Its not that people don't play, its that the people that stopped playing encouraged the internet to say everyone quit.

[@MegaKhelditia]

Thank you!

[@SeiferVII]

I do =(

[@Gangstabob716]

Watching this video made me glad that I paid off my tuition by the time i graduated. Wasnt easy with a part time job but its doable

[@VioletIsBulletproof]

Gangstabob716 smart! People like u should make blogs or videos on how to manage money and deal with college. It's highly desired, cuz lots of idiots come out of school and get easily tricked into doing stupid shit. Unprepared gullible people vetted scamed left and right.

[@Gangstabob716]

thanks man, i had no desire to take out a loan since i know id be paying interest for like the next decade. Its all about knowing what you're getting into and careful budgeting for a few years. After that, you can spend on whatever you like (house, car etc)

[@Weltdrache]

Congrats :) I like people thinking forward!

[@crissd8283]

Spagin but you do pay for school it is just in the form of high taxes. Professors and buildings cost money. The problem is if scholol doesn't costing you anything you have little incentive to graduate or go into your field.

[@sw-qk7do]

Curt D You say this but the US has a higher tax rate than the UK for average earners

[@jaythephoenix]

The government of the USA, year 2050: "Wow, you want to market oxygen privately? I don't...WOW! How many trillion? Go right ahead!"

[@MrPixel_]

Canada already beat us to the punch and have been selling it to the Chinese since 2015

[@Ravenomics]

Whell it's much more complicated than that. Loans get more expensive because college is more expensive. And government was only losing money when it loaned out so when it was privatized it started to make more but without a competitor it became a monopoly. Not to mention government handouts to universities that prioritize more spending cause an increases to intuition. If we cut goverment funding and creat a competitive enviroment for colleges we can cut tuition by massive amounts.

[@robdeskrd]

Why is college more expensive? Why can other countries with less money afford to pay for college but we can't? Why do businesses expect people to pay for job training before they start working with no guarantee of employment? Why do people think that for profit enterprise is rational, why do people who play ball games make millions of dollars but teachers can't afford to live in the neighborhoods they teach in? Why are banks allowed to engage in fractional reserve lending? Why do they also get to keep so much of the profit the make from loaning out other people's money? Why do people keep saying we privatize things to make them competitive when corporations have an established record of being of being horrible and only interested in profit? They dont compete to save customers money they compete to make as much money as possible and then shaft their employees and not pay taxes, they do spend money on lobbying though.

[@moradshehadey5750]

@@robdeskrd just to give you an idea on how expensive your colleges are, the fees of 1 year in an American college can cover my 4 year engineering degree here in Israel and i will still have money left

[@thechecker111]

Wow like loans had to be ruined. It's like ruining ebola.

[@Mexican00b]

Cant drink alcohol drinks at age 18 (only till 21) but can sign a paper that can put you in a huge debt for the rest of your life and cant be avoided even by bankrupcy...also can go to war at 18! WHAT A COUNTRY MAN!

[@avescast3096]

Crazy... I live in Germany and there is the hole educationsystem almost completly free even studying 🤔

[@AleksandrKramarenko]

@heyzeus023 I spent 15 minutes on Google researching costs, so take this with a grain of salt.... What you said may be true, but if you take in account other costs in the US, like health care, other insurances, loans, etc, then in many cases you end up paying more in the US for worse services/products. Or you pay roughly the same in the US but you still get worse services/products, so to get to the same level as Germany you'd end up spending more money. However, if you make loads of money (basically, if you're rich), then you save a lot of money in the US compared to Germany, and you could potentially use that difference to make up for the worse services/products. But, of course, most people aren't rich... so it seems Germany would still come up on top.

[@AimbotFreak]

Sascha Kramarenko Nah, quality wise sure but not accessibility. Plus in the US you pay for your own things in Germany you pay for everyone's including the en masse of rapist free loaders they currently have.

[@vietnamemperor123461]

Well that's the reason why America is $20 trillion on debt. Why do you think everyone can pay for your own? Easy getting into debt like credit card to borrow money you don't have to pay your living expense. Its a system based on debt in order to make the top 1% richer and the poor get poorer. Wait until you see how the millennials or the nest generation going to retired. They will be working longer and harder or shall I say work until you die. I rather pay a little more taxes but I'm money stress free on education and don't have to worry about bills when going to the doctors.

[@globalincident694]

As a Brit, I feel like this show should be called "Adam ruins America"

[@SomethingxXxSpanish]

Dominic Littlewood well it is an American show.

[@YouTubeUtah]

If it makes you students feel any better, Cary Katz, who founded the College Loan Corporation, used the money students paid him in interest to become a professional poker player. The company was the seventh largest student loan company in the United States providing $19 billion in loans. Katz then continued playing professional poker with the money he made from your student loans. Winning over 18 million dollars since 2005.

[@r3n3gad33]

Collegehumor makes a video about College, huh?

[@RoenComic28]

The Real Delphox 616 college*

[@Cyphlix]

It was a fast-paced collage about college

[@Revealingstorm.]

some one didn't go to "collage"

[@daives01]

Well it wasn't about humor so yea

[@SultenZone]

Ikr

[@outsider238]

I didn't go to college. Didn't want to go in debt. Got a union job. Pays well. Bought and paid for 5 cars (owned one at a time) and a house. Paid them off early. Live debt free today and ready to retire at 55. Glad I stayed out of that mess.

[@baidoc1633]

Your comment sounds very inspiring. Im about to go to college next year, but I hate it, I just hate being there, in the classroom, the smugness of the students, the professors who think are gods above all, and all the shitshow with the loans, it's just not an environment I'd like to spend another 4 years in.

[@chrisrawr6177]

Even without union pay the trades (nearly all of them) are in high demand and require very little school (many will pay for you to learn) and many times pay more then college degree jobs while being way more employable.

[@user-cg9vp9bf5d]

Which field?

[@xxthexboxnoobxx4174]

“I’m 17 i know what I’m doing” Famous Last Words

[@thedanklordofthesith210]

This series= America,corporations,and the free market is screwing you over but you can’t do anything about it

[@Redster3]

Thankfully, I was smart enough not to get a loan. Debt is modern slavery.

[@Redster3]

Flame Beats That is why we must make it our goals to be our own boss Edit: Our own boss that makes his own salary. It's possible, just difficult

[@AtarahDerek]

Must be nice to be 60 something, rich and/or super snart.

[@MJW238]

No it's not. Not even like debt bondage or debtors prison, which they used to have. Or like indentured servitude. Certainly not like chattel slavery. And going into debt can be a good thing.

[@jobeduckworthh9456]

Woke

[@HardCounter]

"Smart enough not to get a loan"? It's not about being smart. Some people can't afford college.

[@patrickhubbard3818]

Really feeling the Bern now.

[@darabuckley2656]

You shoudlnt be

[@Citizen_Se7en]

If you really think you're feeling the Bern now, you'll totally feel burned when you see your tax bill (you know, to pay for all that "free" stuff).

[@nexus6100]

Gavin Snyder and we would still be better off.

[@undyingvision510]

PSWii60 with crippling debt and bankruptcy because the money has to come from somewhere

[@benjaminbong9214]

AHHHHHHHHHHHHHHHHHHHHHHH BURN HAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAAHHAHAHAHAHAHAHAHAHAHAHAHAHAHAHHAAHAHHAHAHAHAHAHAAHHAHAHAAHHAHAHAHAAHHAHAHAHAHAHAHAHAHAHAHAHAHAHAHAHHAHAHAHAHAHHAAHHAHAHAHAHAHAHAHAHAHHAHAHAHAHAHAHHAHHAHHAAHHAHAHAHAHAHAHAHAHAHHAHAAHHAHAHAHAHAHAHAHAHHAAHHAHAHAHAHAHA HAHAHAHA *cries in corner*

[@SoccerBoyAP]

Are you crushed by student debt? LEAVE THE USA! I mean don't do it if your parents co-signed the loans but if you single signed them... GTFO and save yourself the lifelong heartache. Sallie Mae and other (US based) money predators/lenders only has financial jurisdiction over you within the USA.

[@tk_the_onion]

SoccerBoyAP much easier said to leave the USA than to actually do it. Too many Americans are too uneducated to live elsewhere, and, it's expensive. Adopting the language and laws of another country would be tough for a majority of Americans, especially if they're not bilingual (plenty of Americans who can't speak English well enough anyways). Might as well get in debt and understand the language than moving to another country and landing in debt their because of the moving expenses and not even knowing your in debt. Thanks, America! Capitalize education, will ya.

[@Former_Halo_Fan]

TK Onion Canada, UK, or Australia. No language barrier. Only minor differences in laws and culture. Nobody is asking you to move to Zimbabwe. That said, yes it is easier said than done.

[@tk_the_onion]

Peter Laws are an important part of living outside of the US, and most Americans don't even know their own Constitution or what the Preamble is.

[@tk_the_onion]

Peter also, how in the world was the name Peter not taken on KZbin, unless same names don't matter? GG.

[@Mav10]

what's so difficult about staying away from drugs, respecting other people, and live an honest life?

[@redgreen2453]

Not to mention that really the only reason you need a college degree is because universities have convinced corporations not to hire anyone without one

Omg, US is crazy At least where I leave the degree is an oportunity to learn something you like and find a job you will actually enjoy. Some people get un for money obviously but they are pretty unhappy at the end And if you don't go yo college there are other options, profesional formation, shorter studies to different jobs, that take less study, It must be so sad to live in the US

[@RA-ob1ld]

I think it'd be better if we just left this topic a-loan

[@a_kid_called_apathy4994]

BA-DUM-TISS

[@jimjam6598]

No

[@deagle2898]

.. *İNHALE* ıhhhhhhhhhhhhhhhhhhhhhhhhhh pls kill me

[@TheSonicZero]

Definitely not

[@rcyoimflying2822]

Omg why😂

[@jasonmnosaj]

It is official. Pokemon GO is dead.

[@lightningandodinify]

Jason Allcreator I'd prefer it be succeeded by an actual pokemon game with some of go's AR elements.

[@JackieRoxs]

Mobile phones are dead.

[@zombiedude347]

And only after it died did they release some of the legendary pokemon. Sorry nintendo, not gonna play it again.

[@MrGamelover23]

Caius Nair With pokeballs that you throw for real and the game makes it work like in the show/games.

[@ForumcoldiArchon]

Nintendo did not do anything for the game.. sorry niantic rather. Poor management for a poor game that was not worth it being called Pokémon. If at least the fights would have been classic Pokémon battles

[@Limpuls]

Students in Europe be like "College what??"

[@jordanaguilera5349]

I'm honestly glad I have a good financial aid officer. I am going to college in the fall and the first thing she told me after they went through my FAFSA was "I will only reccomend you to get student loans if I feel like you need one. And by the looks of it, you dont need one. Not until years down the line." My cousins all told me about loan stories when they were in college so I'm glad I wasnt pressured into getting one by my person.

[@nopejustnope3900]

Actually, the reason student loans are super expensive is because government got over involved in them by subsidizing them, which lead colleges to raise prices.

[@missmorbid1439]

Not accurate, when Sallie Mae was regulated by the government, the prices were lower.

[@yoholup19]

@Zed but here is the thing is that school tuitions play a part and if they can milk people they will community colleges are subsidized by the government but their prices tend to be low and many offer good undergraduate degrees

[@yoholup19]

@Zed I come from Mexico with a medical science degree and my doctors license do you know how much it costed me? 100 a semester its mostly paid in taxes the USA is flawed because you get allowed a massive increase in prices for college Mexico controls it and pays its through taxes Also you cant get on anyone's grammar in a comment section this is a comment section not an essay

[@yoholup19]

@Zed the university I went to was publically owned but most private schools in mexico charge around 1000-16000 per academic year while in the US it can cost somewhere around 10000-40000 per academic year we completely control prices while the US fails its people with letting prices go rampant

[@yoholup19]

@Zed that's not how it works if you give people the freedom to be greedy they will be greedy many countries make it impossible for schools to charge a large price without getting consequences one of them being the removal of profits going into it Many countries pay for the education of their citizens through the use of taxes and the same for profit universities know that if they want to stay in business they should follow the government guidelines