Student Loans | Patriot Act with Hasan Minhaj | Netflix

With Americans' student debt now over $1.5 trillion, Hasan looks at how the federal government turned the Department of Education into the largest bank in America in terms of loans, and examines the department's relationship with loan servicers. These private financial companies have benefitted from Secretary of Education Betsy DeVos' hands-off regulation that has made it easy for students to become trapped in debt.
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About Patriot Act with Hasan Minhaj:
New episodes, new topics, every Sunday - only on Netflix. Hasan Minhaj brings an incisive and nuanced perspective to global news, politics, and culture in his unique comedy series. Subscribe to the Patriot Act channel now to stay up to date with episode clips and original content from Hasan and the Patriot Act team.
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Student Loans | Patriot Act with Hasan Minhaj | Netflix
/ patriotact

[@thatbadguy2899]

The mean and median joke was just average.

[@olie424]

People didn't get it

[@mustafamusa2677]

😂😂😂 is there a way to double like this?

[@zyansheep]

hmm... then I will a*range* for a better one to be made!

[@techjunkie4786]

That Bad Guy It was more of a middle-of-the-road joke in my opinion.

[@ZombieNoodles13]

Nice

[@DoodyDraws]

I got concerned then I realised I don't live in the US 😂😂😂

[@LYRICONLyrics]

HAHAHAHA

[@MrGameface123]

Ify man. Same here 😂

[@handlemein]

Lol

[@theunitedworldofworkers7274]

I need to move to your country 😂

[@markdunnam2435]

No shit sherlock

[@julianbeatty2909]

Bro wtf. Why is so comedy show on netflix more informative than any investigative journalist I've ever seen?

[@Hellion912]

He learned under Jon Stewart.

[@farisabuain6832]

It’s more than comedy; I like to think of it as high tier factual journalism that incorporates comedy to lighten the mood.

[@Lucillesgirl]

Only the jester tells the truth

[@giuSE2004]

Because the media is controlled by the government

[@michaellichtenauer339]

You watch the wrong shows, theres a few shows just like this!

[@manuelusg]

I’ve always found it odd that no one questions the schools themselves. Why are they charging so much for tuition, especially compared to tuition in other countries?

[@heels4lifx]

Because the govt makes loans so accessible so tuition prices go up. If loans were less accessible and not given to every student for a bunch of bullshit majors, then it wouldn’t be as expensive.

[@gemcointl1]

Or Deans making half a Mil/ yr !

[@XLRAshon]

Oh we question it all the time and constantly demand for lower prices. But we the people have 0 control over it

[@ricardobarahona3939]

@@heels4lifx Cringe

[@ricardobarahona3939]

@@XLRAshon Students are so powerless, even when they employed by the university they are treated like nothing, they’re trying to form an actual student union.

[@HasanMinhaj]

The Patriot Act audience at the latest taping had $6 million worth of outstanding student loan debt. Yes. $6 million. #DebtFucked

[@swadhaamin2465]

Patriot Act Atleast here in India, the govt pays half of my tution fees for free

[@hj2479]

@@swadhaamin2465 But it's only worth it if you get into an ivy league like IIT

[@SumitKumar-fn3gj]

@@hj2479 I don't think

[@ArcanistSickle]

Here in China, our entire year of tuition is 1000 USD for other majors and 4000 USD for computer or software engineering for entire year in the best universities. People don't even need loan to go to school.

[@Sandra-id4kg]

Anyone with student loans or a mortgage should check out Givling. It's an app that is crowdfunding student loan debt with trivia! Each member can get up to $50,000 of their loan paid off tax free or put in an investment account. (In addition to weekly trivia prizes and 10k random drawings.) They’ve payed off 4.1 million as of today. If you join use invite code SH196048 for a free play and help another stressed out borrower stick it to Navient !

[@drumjod]

This show has the coolest looking stage with screens all over including the floor.

[@naughtieindia]

Seriously... Is that what you found as "the coolest" thing on the show...

[@drumjod]

​@@naughtieindia I said this show has the coolest looking stage (implying it's cooler than the stages of other shows), not saying it's '"the coolest" thing on the show.' Hasan has mannerisms as though he's emulating hip hop artists, but that doesn't look cool to me, it just looks try-hard. I wonder how much time he spent practicing those hand gestures :)< He occasionally says funny and insightful things, but comes across as biased or ignorant when his writers don't do enough research or omit important information. I find the intro music to be the coolest thing on the show. What do you think is "the coolest" thing on the show and why did my comment inspire you to respond?

[@tanyarawat9700]

@@drumjod How can you do this amount research on your own? I would've never thought the student loan crisis was this deep.

[@Aj-sn1dp]

@@drumjod His hand gestures arent practiced lmao. He's been doing them since he started his stand up and does them in regular conversations too. I don't understand how that is a point of criticism nor how his mannerisms look as if they're emulating "hip hop artists". That really makes no sense. Talking with your hands isn't a try hard thing to do, its human nature

[@Vla3d]

After watching this episode I can't stop to think that this show was cancelled because it was in someone's interest to do so. Yes, I'm thinking conspiracy.

[@soothingsoundsi9271]

It definitely was

[@achintyabhat9394]

🤣

[@ksasidhar2980]

*John Oliver intensifies*

[@ijeomaasomugha3187]

Yup!!!

[@khalyleedwards7735]

From what I remember it was canceled due to Hasan's political bias. There probably were other reasons but that's the main one I remember.

[@mariannek6735]

Hi from Sweden where I literally GET PAID to pursue higher education. Oh and also, I'm from Syria as well since my parents are from there, and just to let you know, education is free there too. Even higher education.

[@abhinavs8109]

I hope you have good life.

[@mariannek6735]

Thank you! You too :)

[@hamzaelaloui2070]

Education is free in almost all the countries all over the world , north africa middle east , france , but not the scandinivean countries i guess

[@mariannek6735]

@@hamzaelaloui2070 No it's free here too, we even get a bit of money every month for studying

[@hamzaelaloui2070]

@@mariannek6735 even for foreigners

[@askmemum]

This is what happens when everything in a country is a business

[@shaileshrana7165]

Amen

[@StrigidaeStrigiformes-sv6mj]

I know what you are trying to do. And even if I don't wholeheartedly agree with you, you are right.

[@ems3991]

You mean, consenting adults conducting their own business.

[@johndanielson3777]

Capitalism can be evil

[@zezooam]

My country Saudi Arabia education free for college students most of the time

[@jamesburgess2k]

That NCAA joke was built up perfectly, yet was so unexpected.

[@7daimeHokage]

You think? I am not even American and I saw the joke coming, only knowing what South Park taught me about student atlethes..

[@jamesburgess2k]

@@7daimeHokage well for most Americans, when we hear "brackets" we instantly think of college basketball or March Madness, not really the NCAA organization itself.

[@zhm96]

Can someone explain that joke. Non American here

[@jamesburgess2k]

@@zhm96 the NCAA is over all college sports in America. They, the organization, make actual billions, but they have rules that forbid any college athlete from making any type of money. Basically they are millions upon millions and players only get a free scholarship, which can be taken away if they get injured or caught receiving any amount of money or favors (like a free meal) no matter how small, which is why people sometimes likened it to slavery. It's alot more terrible stuff they do, but that's just the basics on why most people think they're evil. John Oliver did a video on it if you're interested in learning more.

[@sharann3482]

James Burgess hey the FIFA of college sports

[@eveh8921]

"You have no ability to pick who your student loan servicer is." That really just says it all, doesn't it.

[@alicedamiano7718]

Exactly. Capitalism is supposed to be about the freedom to choose the companies that offer the best service, and letting the other companies fail and get out of the market. In this case, capitalism is only 1-way: companies are free to do whatever they want, but students can't even choose which ones to get services from. Even fans of capitalism should be against this.

[@lorettacarroll6015]

Mine was moved to Navient and I didn't have a choice. I refied with a company I chose which I like. Now I don't have to deal with Navient.

[@Mahmoodaltaha]

Had to re-watch after his testimony before Congress

[@albertoeusebio6498]

Thank you, Hasan, for making this depressing and frustrating topic informative and easy to understand. IMO, the US is fu$%ed. For example, I am sadly grateful my grandmother died so I could pay off my student loans. It's f-ed on so many levels. First, it means I'm privileged enough to come from a family whose grandparent had money left to give to their grandkid after they died. Second, she died due to a hospital being understaffed and unable to provide her care. They overmedicated her instead, which lead to her death, which allowed me to pay off my student loans. And on the topic of healthcare in the US being f-ed, I was hospitalized and told it would be paid for because I worked at said hospital. Three days and 30k later, I was discharged. Unable to pay off the 30k, I filed for bankruptcy (also privileged to at least have the funds to file for bankruptcy). BTW, bankruptcy does not relieve you of student loan debt. No, that stays with you and your family indefinitely. That is unless a family member passes and you can use your inheritance to pay it off. Do you see the layers of fu$%edupness that exists in the US? How are we the land of the free?

[@swatidsw]

Man, you have done some research...mind blowing. mean and median joke was awesome

[@elijahnehader7622]

John oliver copy paste

[@abhishekravindra4008]

He is from u california Davis he can do some research

[@vivektammana8845]

Mean and median joke is mediocre.

[@rinkiakepapa5625]

@@vivektammana8845 what does it mean?

[@sumomaster9144]

I can't remember the last time i made use of median outside statistics classes ..some useful knowledge there =___=

[@jimmy_2timez]

Student loan x Supreme Collab coming soon.

[@sassmos]

Featuring Insulin companies.... Saudi Prince... China President

[@danyoung5072]

Why American's student loans are so fucking huge? I'm Chinese. I also have student loan but very small. After I graduated from college. I paid it off very quickly. So, maybe socialism is better than capitalism?

[@ProfessorSlime283]

Lmao I'll get it on Stock X

[@victorviereck4117]

@@danyoung5072 Yeah Socialism is better than capitalism, like if Capitalism is North Korea, Socialism is Norway. But you seem you are a PRC National, so OH no non no, your country is NOT getting off sooo easily. Point one - PRC IS NOT COMMUNIST NOR SOCIALIST . A country which evicts it's poor farmers to make way for large companies, enslaves other peoples and other people's countries and disregards EVERY ASPECT OF SOCIALIST HUMAN RIGHTS AND SOCIALIST POLITICIAL LAW, IS NOT SOCIALIST OR COMMUNIST!!!!! Point 2 :- Your country has ONLY provided a platform of education which puts EVERYONE on an equal start and setting and gives opportunity to all whether RICH OR POOR so that another mass student democratic protest like the tiananmen square does not EVER happen again.

[@danyoung5072]

@@victorviereck4117 I will answer your point 2 tomorrow.

[@wiseoneedarra593]

My husband and I both graduated from BYU (as a mechanical engineer and a high school physics teacher, respectively) and because BYU tuition is only about $5k per year we managed to get through without loans. My husband had a scholarship and I used a hodgepodge of methods, including one year I paid out of pocket with my childhood college savings. I am so grateful for this miracle as I am becoming more and more aware how uncommon getting through college without loans is.

[@anjaleeseneviratne1278]

Mr. Minhaj, incredible testimony in front of Congress on the student loan crisis. So proud!

[@SenorMoody]

True Story: I called my student loaners and asked for lower payments. They said No. I asked, "well i only have X amount of money after essential bills.. what do you want me to do, Rob a Bank!?" She Said, "You do what you gotta do, Sir." True Story

[@ElBandito]

Rob their house. :p

[@jessica2575]

Damn

[@imrankh68]

😲

[@michellerains2732]

Seriously!?! 😳

[@TeaAndCoffeeLover]

omg

[@BizzeeB]

I'm an American with two postgraduate degrees and no student debt, and I'm not from a wealthy family. How did I do it? I didn't go to university in the US!

[@chromaticvisuelle]

Where?

[@omninulla9472]

Seriously. Where?

[@oualidfenni2822]

@@omninulla9472 germany, france..

[@omninulla9472]

@@oualidfenni2822 They give free educations to Americans? OP says he's American.

[@BizzeeB]

@@omninulla9472 Australia - even with international student fees, it's still half the price (or less) of a US university...

[@emiller760408]

Thank you, Hasan, for making this depressing and frustrating topic informative and easy to understand. IMO, the US is fu$%ed. For example, I am sadly grateful my grandmother died so I could pay off my student loans. It's f-ed on so many levels. First, it means I'm privileged enough to come from a family whose grandparent had money left to give to their grandkid after they died. Second, she died due to a hospital being understaffed and unable to provide her care. They overmedicated her instead, which lead to her death, which allowed me to pay off my student loans. And on the topic of healthcare in the US being f-ed, I was hospitalized and told it would be paid for because I worked at said hospital. Three days and 30k later, I was discharged. Unable to pay off the 30k, I filed for bankruptcy (also privileged to at least have the funds to file for bankruptcy). BTW, bankruptcy does not relieve you of student loan debt. No, that stays with you and your family indefinitely. That is unless a family member passes and you can use your inheritance to pay it off. Do you see the layers of fu$%edupness that exists in the US? How are we the land of the free?

[@anavaderduo7548]

freedom is an illusion. It's just another product they try to sell us and the people eat it up.

[@hafeezhafeez4434]

The saudis rely on the american military because the USA rely on Arabian oil

[@doroparker1702]

Move to Europe. Whatever is there that your family could leave for you after death, they should just cash out and give the money in cash. You will get proper Healthcare without losing a fortune as well. Just start applying on jobs in Europe and start taking language classes. They will not come after you when you live abroad.

[@LeviForWaifu]

Nobody forces anyone to take student loans out. Work at UPS, go to a city college.

[@theteddy1487]

How are we the land of the free? You were free to make an uneducated decision to get a degree in a field that doesn't have a high demand. And it truly is sad that you feel any type of happiness at all at the death of your grandparent.

[@lauraelaineallen21]

OMG, I literally had a navient agent send me the forbearance forms when I requested IBR.

[@trex0004]

Yo! That's blatant manipulation Has this been forwarded to your local government representative? *Breathes in vape(or)*

[@wadap0]

We are living in the Hunger Games, but most have not realized it yet.

[@zadok23]

where are the televised broadcast of teenagers fighting to their deaths for the governments entertainment.

[@aeonexoriginal]

On the news, being shot by police.

[@Treysorable]

@@zadok23 🤡🤡🤡

[@ewingloren2766]

THANK YOU!! EXACTLY !!

[@leftwing1975]

From the outside, the USA is such an amusing company!

[@shannez6282]

leftwing1975 right! And they always say they’re the greatest company in the world🙄

[@SaraH-jn5db]

Funny, ill start laughing when I get some of my debt paid off

[@skelleboy4650]

@@SaraH-jn5db lmao rip you

[@doroparker1702]

Just apply for a job in Europe or Australia or England. Leave the USA and the stupid loan. After ten years it will be forgiven. Once you discovered live in a truly free country you will never want to go back to USA anyway. Paid holiday from first year on and proper healthcare is no luxury. It is basic for jobs outside of USA.

[@yashjoseph3544]

@@doroparker1702 This is why problems never get solved here. Everyone just wants to run away from problems rather than help fix them. It's better long term to actually fix a problem than run away and make the problem worse.

[@adamletavish9062]

When the comedians become more trustworthy than journalists, you know the country is in trouble.

[@abhishekdas6429]

Hasan is in a different league of his own. Informative Comedy at it’s best :)

[@navaneethsivakumar8716]

debt fucked is a different kind of squid game

[@AngelScolarus]

"And if you don't know the difference between median and mean, your student loans were truly a waste of money." Ouch, as a once underemployed graduate with a Bachelors in Applied Statistics... that could not have hurt more.

[@OneMeanArtist]

Because you don't know the difference?

[@radoraf]

Justin, if you are a statistician, have you tried transposing your skill set to Data science? That should make you competitive, but you need is to master the R or Python with Pandas programming language. You can get started anytime with a couple of $9-$15 video course on Udemy if you are a bit of an autodidact.

[@ShawnLH88]

i think your degree in applied statistics hurt you by nature of you pursuing it in the first place

[@mentatteg]

u decided to take a degree in a useless subject..

[@pickled_pickles684]

@@mentatteg Yeah not really sure what you guys are talking about. If Justin works as a data scientist or even a data analyst, it can be quite lucrative.

[@mowjaden]

YEMEN The poorest country in the Middle East, with 4 years civil war, still send the smartest student to study abroad and the Government pay for it.

[@dot286]

the "smartest"

[@rishabhanand4973]

@@renepauls7293 thing is there are a lot of jobs that need a college education to do well but do not pay well. even in the field of law, jobs like public defender do not pay well which is why the people who are public defenders are absolutely swamped with cases. this is because people who took loans to get through law school want a well paying job to pay off those loans, and public defender aint it. and public defenders are necessary because a large number of people cannot afford a lawyer. outside of law, there are jobs like social worker, for which one really ought to have a degree in child psychology before doing. people who work in mental institutions and many other jobs. there are many purposes for making college free. one is so poor people can go to college with no debt and get a job that pays well enough for them to be out of poverty, and most of those jobs require a college degree. but the other purpose is for more people to go to jobs that don't necessarily pay well but require a college degree like the ones i listed above.

[@minhtrietvo8448]

@@dot286 Tough talk from the country whose education system barely made the international average in PISA every year.

[@KC-Mitch]

Watching this and noticing Navient is my "service provider": "ugh... God damn it. Sounds about right."

[@favouronu]

Who is here after Hasan's Testimony at Congress ?

[@brooktown43]

Just dropped a final 12K on my student loans today and DONEEEEEE. graduated 11 years ago, upper middle class white family, with parents that helped as much as the could. UNBELIEVABLY unfair cost of education

[@omaraqani914]

congratulations!! happy for you

[@fandomguy8025]

@@MossadDid911 And the conspiracy nuts own you!

[@dontundra2259]

Congrats! How much was the total you paid if you don’t mind me asking??

[@hafeezhafeez4434]

Its sad that there's more journalism in a comedy show then all the major "channels" combined.

[@doroparker1702]

Travers, why did you not go abroad for 10 years? This loan was enough to pay rent for 15 years in Europe or even buy an apartment. You would get a much better job with paid holidays and proper healthcare almost in every country outside of USA. Try England as it is easier with language. Try any country in Europe.

[@mrmann69]

5:08 You owe me money so we'll take away your source of income? That makes sense

[@rollerskdude]

I get that everyone likes to be sarcastic in these types of comment sections but for anyone whom doesn't understand. It doesn't make sense and it's illogical/irrational in every way. It only benefits the people who earn money as a consequence of said loans. And probably reduces the total amount of medically trained students in America(in reference to the timestamp).

[@ellcally508]

@@rollerskdude Literally! They were firing health care works?! WTF!

[@pamelacass9642]

Who wants to be a doctor in the US today? If you've had your degree for a while, you're probably in good shape. But if you want to be a doctor today, I read somewhere that GPs and OB/GYNs will be in very short supply because of how much it costs, how much is insurance, and how much lawyers encourage lawsuits. Any of this true? You decide. Can you afford a doctor who graduated Harvard Medical, or U of Toledo? Are either one of those graduates worth the hundreds of thousands of dollars? Who's more stressed-the Harvard or Toledo having to pay back loans?

[@recycled3654]

Yes, everybody is in collecting on your debt too.

[@armi0828]

I'm here after the Congressional Hearing.

[@midwesterner15]

When my dad died, I made sure the loan servicer didn't know so they wouldn't demand full repayment. Usually, the servicer won't demand this unless you're behind on payments. Either way, I didn't want to chance it. I used a personal loan to pay off my student debt so is enjoy a fixed rate and enjoy more reasonable terms.

[@rishabhlal8750]

Use a loan to destroy a loan. Got it!!!!

[@midwesterner15]

rishabh lal Not ideal, but I did what I had to do to protect my credit and my family. Welcome to America. I’m happy to say I paid off that personal loan recently.

[@saasda6255]

@@midwesterner15 it was a good idea let me tell you why you can default on a loan but not a student loan and you’ll build your credit score if you pay it back on time

[@caku4257]

I guess I don't understand, why couldn't you let them know he was dead? When you die your student loan dies with you.

[@thehoneydeev]

I’ve already watched it in Netflix, but came here to read the comments 🤓

[@VivekAnandJ]

Well... Hey there! ☺️

[@Echoingsunflowers981]

Same

[@pseminario4279]

SAME!

[@MD-xp2nd]

Thanks for that essential piece of information

[@shahidmirza1138]

It’s not showing up in uk Netflix.

[@mish3462]

OMG..this show is so underrated. Please share these videos so more people can get educated.

[@danyoung5072]

Share this video? BUT Hasan is a moon landing denier 16:19 . XXD

[@mish3462]

@@danyoung5072 wait you actually believe the whole neil armstrng story? :O

[@danyoung5072]

@@mish3462 Of course not. The moon landing is fake.

[@kendallwilliams8616]

Ok, people of the comments. I have an idea as to why there are only four of us here. I think the channel got into some hot watere with KZbin somehow, so they agreed to nuke the comment sections in specific videos.

[@alexanderreyes2768]

if the government does not fix this problem there will be an even larger financial crisis than in 2008

[@berrex5152]

YIKESS.............

[@annap1340]

The middle class will also completely disappear

[@thisisALI.i]

WE ARE University of Pheonix online

[@hafeezhafeez4434]

Yamen the poorest country in the middle east, with 4 years of civil war still send their smartest students to study abroad and the Government pay for it.

[@thealgerian3285]

One of the many reasons I can't help but chuckle and shake my head when I hear Americans talk about their "freedom".

[@KalElKryptonsFinest]

@@essicarahman4536 because most have never actually been anywhere else.

[@sappy.3xe]

As an American, I agree with all of you. Every country has its issues.... but c’mon America.

[@way2kool89]

Essica Rahman as an American yes you are right

[@JJSmalls]

Nobody forces people to go to college. Nobody forces people to take $100k in debt. I rather have that freedom than paying higher taxes for more government services, whatever the hell that means.

[@5people829]

@@JJSmallsthey are not paying more taxes they are just using them more efficiently. Also what you are saying is you are a jerk and don't care about other people

[@BiscuitsInSeptember]

I think what a lot of people don't realize or just forget is that high school kids are conditioned by school counselors, movies, teachers, and their parents who were also conditioned that going to college is their only respectable path to success. It's inaccurate as there are many paths to success, but please keep in mind that this is what is pushed on them at a young age when you ask "why didn't they just not get the loans if they couldn't afford them?" They're kids who were promised it would work out and were pressured by society.

[@ximecreature]

Hey. I've just learned the term "ombudsman", even though I've been studying law, and I think I've found my favourite law profession. So this episode may be the start of a new career. I'll be looking back on that. Thanks Hassan.

[@authenticallysuperficial9874]

ombudsperson* 😂

[@smahajan1995]

patriot act is basically the netflix version of John Oliver's Last Week Tonight.. we need more shows like this that create awareness through comedy

[@magicreborn3720]

@JiraiyaENTP last week tonight too is good

[@samajlo4336]

@@darthvader6572 He didn't delete the episode. It's still here.

[@samajlo4336]

@@darthvader6572 He didn't delete tje episode. It's still here.

[@samajlo4336]

@@darthvader6572 the*

[@aperture0]

@@samajlo4336 You're correct!

[@kunstderfugue]

I don't know who came up with the idea of "Last Week Tonight but with the host standing up" but it is genius.

[@ItsPixelArco]

The algorithm has spoken. Comments, ASSEMBLE!

[@lanafirna6540]

I am from Germany. Has an interest free student loan. Half of it I did not have to pay back and the other half I had to pay back in small bits in 20 months...but if I could pay back a certain amount upfront the amount I had to pay back decreased by additional 30%. Having a student debt like you have in the USA would make me not only inactive but planning to overthrow the USA...because it is clear that young peoples' inexperience and lack of knowledge about finances and financial sandpits (not taught in school) is getting exploited. I would not pay back even one cent in the USA.

[@nadominhoca]

"because it is clear that young peoples' inexperience and lack of knowledge about finances and financial sandpits (not taught in school) is getting exploited."... however to some people 5 year old kids are mature enough to choose their gender. BTW, your University is not FREE. You pay taxes. Quite a lot indeed.

[@user-ns2vc4rn6j]

Get me there hahaha

[@slynjoki5084]

Random prisoner: why are y'all here? Prisoner 1: I killed someone Prisoner 2: I robbed a bank Me: I didn't pay my student loan 😏

[@nicolebrown6424]

I get what you're saying but....not paying a student loan basically IS robbing a bank..

[@Mr_Unfazed0]

😔😔😔

[@undrtakr900]

@@nicolebrown6424 Are you *seriously* defending the banks?? The same banks whose greed & corruption caused 2008's Financial Collapse & Recession. The same banks who used YOUR tax-payer funded BailOut monies to give their top executives *Billions* in bonuses.

[@nicolebrown6424]

@@undrtakr900 no I'm not defending the bank. It's just a funny analogy...acting like holding up a bank is different than taking a loan from a bank and repaying it. I get that ballooning interest is crippling, not defending that. But if you say you'll pay back $40,000 to the bank and they give you the money and then you don't pay it back...you've stolen the money, no?

[@spakentruth]

@@nicolebrown6424 see tho it's in the banks interest to get them to make you owe money by selling the idea you HAVE to borrow money to get a foothold to getting the necessary nicer things including something so necessary as an education. On top of that all that , imagine your loan and everyone else's loans being collateralized into bigger lumps of money getting reinvested or re loaned to businesses or equity firms on the market. So really the consumer is paying back a loan that's been loaned several other times because....that money doesn't exist. That number you're seeing in your bank is just a placeholder for a placeholder for a placehder which is why banks make most of their money through interest, commission and financial insurance so when the bank can't hand out anymore loans or people default the insurance companies can return 20x the original defaulted amount but those people are still in default and owe money. The point is the system essentially depends on many people to fail to make their payments to keep paying interest even if they can't really afford it. all of those things existence rely on people constantly having to indebt themselves to pay the banks fees and interest to pay back a loan that pays back another loan until that money just ends up in deeper pockets investing anyways. so who's really getting held up?? That's why banks are some of THE shadiest organizations on the planet no matter where you go you can be sure a bank is going to be shady with their dealings and exploiting any and all loopholes to the max even if it costs people and makes other people money

[@ShadowXSerpant]

Family: "Why don't you get a car or a house? You're almost 30!" Me: *too busy working to pay off student loan with a job not in my field*

[@benitafay]

Me, too

[@pauljiltsov9950]

What did you think when you were taking those loans out?

[@kupidrosalindavateri3965]

Paul Jiltsov that you’d get a job in that field and pay it off

[@aspiring...]

My actual life 😢

[@pauljiltsov9950]

@@kupidrosalindavateri3965 you never thought that the people that have an incentive to give loans might be lying about salary estimates and employment availability ?

[@martinakula8421]

These loan companies have no conscience whatsoever.

[@Agenamigo]

You are correct, sir. On January 30, 2020, the interest rate from Freddie Mac for a 30-year loan is 3.51% and a 15-year loan is only 3%, while the interest rate for Direct PLUS Loan, from the Department of Education, is 7.08%. Over 236% ! Someone is pretty greedy.

[@Egolithz]

@@Agenamigo I wish I was paying 7% interest on my student loans....

[@philipptruveller7829]

No you're just a stupid easily manipulated child that doesn't sound understand how contracts work.

[@ifrahjama2215]

True

[@Traversquip]

Why isn't our student loan crisis on the front lines of our news EVERY DAY?!

[@BTrain-is8ch]

It's not a crisis. Something like 70-80% of borrowers have debt balances under 40k and despite the fact that TV shows love to trot out people with six figure balances for these stories as if they're representative of something the reality is that they only make up less than 5% of the borrower population. Student loan inconvenience would be a more appropriate label for the situation and I write that as someone that spent 12 years paying mine off.

[@elliottlastnameblank7916]

Is it really that bad of a crisis? The media only represents borrowers with huge balances to scare you

[@AH-zz6sc]

Thank God for Germany, world class Universities without fees.

[@ankitshrestha1802]

Jaaa lang lebe deutschland!!

[@alexandercanella4479]

If only that were as true as you thought

[@ryangoepfert9112]

@youcometome9 stop foreign wars for profit selling guns to awful people and stop corporate welfare and actually tax the rich problem solved

[@ankitshrestha1802]

@youcometome9 I mean Germany has a population of 80 million (which is pretty big as well) and the GDP per capita is around the same as in America, so I don't really see why it cannot be done in America. And btw 15-20% of the student body in German universities is international, so it ain't just a few foreigners. I, for one, am a foreigner in Germany, and will forever be grateful for the free education here.

[@jerrellbevers6071]

@youcometome9 _Just the amount of money added to the military budget _*_this year_*_ is more than enough to pay for tuition free college._

[@kulunatasha]

Damn we’re lucky it’s not as bad as this in Australia - this sounds like a nightmare 😩. To all you students in the US overwhelmed in debt I pray you get through it . Honestly . 🙏🏾

[@malerieayala4349]

Natasha Kulu. Graduated in 2015 with $60K in student loans. Been on income-based repayment plan since. Current total at $88K as of August 2019. I don’t make enough to pay off accrued intterest. These are all federal loans with fixed interest.

[@ichbinNikhil]

​@@malerieayala4349 studying here in Germany is heaven. I pay 350 euros as my semester fees. I pray you manage through

[@Ohotniktrolly]

The universities who benefited from this, who ran up tuition at 2.5x the rate of inflation for decades, MUST be held accountable, as well.

[@Janzer_]

I've paid the entire amount of the principal balance of a loan I took out in 2007, and I still have the entire amount of the principal balance to pay. No matter how much I've paid, the interest is just too much to keep up with, and AES doesn't care in any way, no matter how much in fees they received that does not go to the principal balance.

[@ladhkay]

I have netflix, why do I keep watching it here every week lol

[@eagle3676]

You shouldn't because Netflix views are more important hahaha

[@Animefreak242]

We're lazy? 🤣

[@buckwheat6245]

Perhaps you want to participate in the comment section banter and pick up a few likes in the process?

[@Theserg1992]

Lmao your not the only one!!

[@bhatkrishnakishor]

Last weeks episode was first available on KZbin

[@bilalsiddiqui2177]

The joke about faking the Moon landing 😂😂😂 Totally unexpected, comedy at its best👍👍👍👏

[@shakeeliqbal9570]

Dude I wish Hasan was my civics teacher, I learn more from this show then I do in my actual class

[@DominoChild]

I've started binge watching this today for the first time in the order of release, and I must say, this is the best episode of the series so far. Wasn't aware of the shady tactics that LSP's perform to their borrowers. Also, that skit at the end was pure genesis.

[@22Nu219]

the penn state joke took me out😭😭 that’s how Penn Staters are, in HUGE amounts of debt but still loves the school for some odd reason

[@dipendrayadav6068]

I love Germany for providing Free Education for all.

[@rinkiakepapa5625]

@Mustafa Alam they hate illegal Muslims

[@PS-ug7nm]

@Mustafa Alam yet they have 170,000 Indian students in Germany Good research Snowflake (that was sarcasm just in case your dumb brain couldn't get it)....

[@RaquelSantos-hj1mq]

Why do so many people come to the US for education?

[@destituteanddecadent9106]

@@RaquelSantos-hj1mq bc it's a walk in the park. In most countries degrees are earned.

[@RaquelSantos-hj1mq]

@@destituteanddecadent9106 Not true actually. USA and England have the top universities in the world.

[@KingEutony]

Salaam, I ask that you all make dua for me. I am struggling to find and get a good job as I have no work experience. May Allah bless you all and grant you Jannah without reckoning, Ameen.

[@kobe_ftw807]

Wsalam bro where do you live? Do you have a resume?

[@ifrahjama2215]

Ameen

[@beactivebehappy9894]

KZbin algorithm smartly recommend this as the Supreme Court strikes down the loan forgiveness!!

[@sharkboy1800]

that moon landing joke at 16:19 is such an elegantly bold rip nice one

[@kunstderfugue]

Hasan's comedy is growing on me for sure

[@masyaf897]

That wasn’t a joke. That was a fact 🤣

[@vinegarman4205]

@@masyaf897 I hope you're joking😂

[@iqramariyam6229]

I was just thinking how much effort has been involved in remembering those data and all those information ...Kudos Hasan

[@hwalazia]

i think he's probably reading from a teleprompter

[@drebox3877]

did anyone else cry while watching this? I mean actual tears.

[@Wolverine-2010]

Y’all really gotta talk about the reasons these colleges are this expensive, that has to be the change

[@aquibalamLUMOS]

This show is like a humorous Satyamev Jayate minus the melodrama. We need more of this here my desi friends.

[@its_a_joke_Aamir]

Only kunal kamra can do it ...not this level but yaa he can

[@VivekAnandJ]

Well to be fair, we desis need more drama for things to impact us.

[@its_a_joke_Aamir]

@@VivekAnandJ well said

[@srivarenya862]

There was On Air with AIB, but we need someone like John Oliver with HBO funds and public participation.

[@its_a_joke_Aamir]

Well main problem with india is if you ask question to the state you will definately get into trouble ....free speach is only for them who can praise government ..

[@fcm3d]

Man I developed an anxiety to picking up unknown calls because of student loans.

[@ifrahjama2215]

Same

[@gfears6982]

I’ve yet to watch a full episode but these clips are amazing. We need this show right now in America

[@khangnt97]

PROTECT this man at all costs!!!

[@qianlisu1480]

Mr. Minhaj, you are a true patriot. Thank you for the attention you bring to these issues.

[@bonjour3625]

LOL! How would you know the definition of the word!? You are not even from America!

[@qianlisu1480]

Wow, you’re wrong already.

[@jarnol2264]

Nationalism is fun. Greatest country in the world😄

[@tamkeenn4970]

This is the only episode I haven't watched because it gives me too much anxiety. NAVIENT is handling my loans and I literally am crying

[@grierwillis5045]

Tamkeen n I agree. I’ve started and stopped it twice already. It’s way too real for me.

[@Biiku_]

Anxiety sucks, and it isn't your fault this situation sucks so hard. You're doing the best you can, and we see you and your (and my) generation struggling under the weight. Please know you're not alone. I'm so sorry our collective ancestors have done you dirty. I had to go to war to get my college degree, but by the time I came back, I was too fucked up in the head to finish school. Three times. I'm sending you so much love right now. I'm so so sorry.

[@nadominhoca]

Yeah. You are F******. Sorry to say. You wont be able to afford a house and a car, and annual vacation. Enjoy!

[@Ashar121]

This was the first thing I thought of when I heard the news about Student Loan Forgiveness

[@jmusing]

Navient took over my Sallie Mae loans, the fact that they held brackets for their employees to compete for our "business" is disturbing. I wish we could rehaul the system because it's crushing us really. I've more than paid back my original loan principal but because of the interest I'm literally only halfway through the payments and I need to get a Masters or higher level to even move up paygrades which would entail borrowing more money?? I feel like we are just chasing a carrot on a stick 😫😭

[@r.d1376]

😅

[@TaniMeAtSix]

England has SFE (Student Finance England). We can borrow for our tuition fees (£9250 a year for most courses) AND we can borrow for maintenance (i.e for rent and living costs). We don’t have to pay anything until we earn over £24,996 a year after graduation. Even then, we only pay 9% of the amount over that threshold of 25K. The interest rate is 6.3% while we study. And when we pay it back, the money comes straight out of our pay cheques. Fun fact - if our pay changes to below the threshold of 25K, we can ask for a refund. One of the biggest things is that there is only one company that deals with student loans. OH AND IT GETS WRITTEN OFF AFTER 30 YEARS.

[@kevinnelson6070]

Oh shit, never knew about that. Guess I'm staying here then.

[@lisalll1763]

Wow someone actually cheering the system that saw the extortionate rise in fees from just over £1k a year to £3k and now £9k..in about two decades. Yeah, not much to show off about.

[@TaniMeAtSix]

youcometome9 first of all, I don’t know what you have against women but we can do whatever degree we want to. As so what if she chooses to have children? Women shouldn’t have to choose between an education and having a family. I know so many women who can juggle both. Women are capable of doing both and are capable of making up their own minds. Who are you? Who are you to decide which degree is better than another?

[@TaniMeAtSix]

lisa lll the fact that I can still get an education is enough to keep me cheering. Sure, it would be nice if my 5 year course was cheaper. So what? I’m studying a really good course at a really good university. The government may be broken but the fact that I can get financial support to pay for my degree is better than me being forced to take out private loans and deal with that hassle.

[@TaniMeAtSix]

Michael Rudy the government (who I voted against twice) chose to do that. The fact that I can still get an education and afford one is big fucking deal bro. I’m not saying that we have the greatest system ever but I’m just stating that we do get financial support and it’s a lot less scarier than America’s system

[@vivekk1049]

that Median and Mean Joke LOL. He got a point though.

[@frankhill979]

Good meta joke around 20m lol

[@vinayakohri1293]

"Contact works, let's encourage it" hits harder in 2020

[@zainabmejja9936]

OMG what I'm I doing here watching American's problems?! And I'm in Africa. Hassan you're that good!!

[@---GOD---]

I cancelled Netflix so thanks for uploading here

[@ashwinmanoharan183]

love how it says "Full episodes only on Netlfix"

[@steviegee2011]

GOD I’m waiting for the next free trial I don’t want to miss stranger things but i doubt it will get on here. Who knows.

[@nonyabizness.original]

cutting back to to the bare bones in order to try and pay your student loans?

[@bramcabbeke9109]

Did you cancel Netflix to pay off your student debt??

[@YuSoMadBra]

I forget people pay for netflix. Lol

[@reshrox63]

How do I get on Paid Off? Asking for a friend

[@akshatsaraswat9458]

Reshma you might want to contact a debt payment provider

[@river941]

How do *I* get on Paid Off and asks for a friend - hmmm

[@funalchemist9449]

@@river941 That was the joke

[@Furonanator139]

Gotta love both Hasan's willingness to commit to the college student bit and the other guy not flinching or slowing down in his explanation.

[@Traversquip]

Btw - awesome job on this segment and thank you for bringing this outrage the attention that it deserves! And, fine job testifying at the Congressional Hearing! Keep up the good work.

[@filipkantura8467]

As a European all this is shocking to hear.

[@nadominhoca]

You probably pay higher taxes.

[@preciousgerbosch]

@@nadominhoca not by comparison not lol, We don't have to think about spending 30K+ for unexpected hospital visits, have more vacations, almost free college.

[@nadominhoca]

@@preciousgerbosch Here it goes just one example. If you make U$150k per year you would pay approx. 19.9% of Taxes in US vs. 32.1% in France. France Tax Brackets: 14% - From €9,965 to €27,519 30% - From €27,520 to €73,779 41% - From €73,780 to €156,244 45% - Over €156,244 US Tax Brackets: 10% - From $0 to $9,875 12% - From $9,876 to $40,125 22% - From $40,126 to $85,525 24% - From $85,526 to $163,300 32% - From $163,301 to $207,350 35% - From $207,351 to $518,400 37% - From $518,401 or more

[@philipptruveller7829]

@@preciousgerbosch LOL. Make 200k in canada and pay 75k in income tax alone. As far as I know, my dad/other people that make 100k+ don't use 75k+ each year in public school, medical care, government services and things like city infrastructure. Add my mom, my brother and I. We don't use all of our tax money. I understand this type of thinking is negative. I appear not to care for anyone. However, my parents immigrated when I was 6 months old. My dad struggled 3 full time jobs while my mom did her medical exams while taking care of a 1.5yr old and me. If you work hard you'll get "there" and realized it's all a sham. Easier to elect Biden, not work, and get paid 2k a month from others taxes.

[@chgarciaro]

@@nadominhoca Don't you also have State Income tax aswell? You need to add that, plus property taxes, which depending on the State and county can be quite high. In Europe you only pay one income tax to the country where you live, not to a federal goverment and then again to a regional goverment.

[@speckofdignity2487]

I still leech off my parents Netflix and they put a lock on anything not kid-rated, so thank you very much for uploading things here

[@nerdmythicalfighter_2130]

SpeckOfDignity ❤ Oh sweetie

[@bookedroomer]

Leech off bruh why would they want you to spend extra money

[@sarahpeter7835]

Oh my god me too it sucks dude

[@V2Blast]

@Cameron Scott You can just directly remove stuff from your viewing history, so he could just watch stuff on their profile and then remove it from their viewing history.

[@ameralhamvi5680]

How old are you? I don't think the show contains anything that's bad for you Even if you are 11 years old

[@sabalghale9669]

Well, he drilled everyone in congress testimony.

[@tiananicolehiggins]

This was the best episode that I’ve ever seen of anything

[@CallMeSof]

I lowkey wanna start reading the news so i can follow some of the jokes

[@aimemaggie]

do it. politics can get spicy

[@madshorn5826]

Now is a good time to start if you're easily bored. Be prepared to be met with staggering expectations to your suspension-of-disbelief ability though...

[@ArnyBoy]

Just watch John Oliver

[@5pctLowBattery]

Apple phones come preinstalled with the news app. My mom has a Samsung, I don’t remember seeing an news app on her phone. I wish she’d stop getting her news from Facebook.

[@amineaboutalib]

@@5pctLowBattery Google news is 👌🏻👌🏻 Samsung doesn't come preloaded with one because there were a lot of complains abt bloatware

[@ironchef3251]

Seriously considering giving up my US citizenship for a better education and better healthcare in a better country

[@Reydriel]

Your country's problems don't look like they are going to be fixed anytime soon, you guys are so behind on really basic civil things lol

[@spainconnection4181]

I guess the us is really a concret jungle..

[@dasalekhya]

come to CANADA :-)

[@Evenst3vn]

You can go somewhere else w/o giving up citizenship, lol... if you're worried about being taxed by the US that only happens beyond a certain income level.

[@tombear2489]

You don’t need to give up your citizenship. I went to Europe and got my education at a fraction of the price. However - I learned the hard way that a lot of the top universities are just the elite’s way of getting their kids into “the system”. For a kid from Harvard, Stanford or USC - their classmates run the country after graduation. That’s really what a lot of people are paying for when they attend these things.

[@Nubian1000]

Thank you Hassan. This is one of the best episodes of your show.

[@npunique4237]

The game show at the end accurately depicts loan servicing providers. I've heard it all since I accumulated student loan debt in 2007.

[@sushantthomas6603]

This show took political topics to a whole new dimension. Great work..!!

[@Helloooooo]

Wow, i feel blessed to have free education in my country, I could train to become a doctor for 7 years and not pay a penny in fees. America is suffocating in debt.

[@priyankarao67]

which country do you belong to ?

[@binayakthakur5122]

imma shifting there boi

[@humzahhassan4521]

education costs too much and should be cheaper but lower cost of living

[@Effi000]

We do pay for housing though. Except if you live at home

[@shinjiuchiua7820]

Same here in Algeria 🇩🇿, btw where are you from?

[@bndllama9067]

I studied marketing. I was told by my professors, proudly, that my job would be to lie to people and convince them to purchase a good or service "by any means necessary". When I asked them about "False Advertising" they told me that no one enforces it, and that it's not really a thing. Then they proceeded to teach me many of the ways that I'm allowed to lie to the public. It's so fucked up, don't trust labels, don't trust adverts, don't trust anything that isn't in fine print or spoken at 3 times the normal speed. Also the "generic" in every advert example is whatever you want it to be, doesn't have to correlate to anything in reality. Also lawyers will be the end of America, for every lawyer that does something decent there are a dozen working for the devil, and they all golf together.

[@RPG_Angie]

I've seen a few reports on American student first, but this is the first one that took me back to the space race. Great job.

[@JarenLeto]

This episode was funny and stressful at the same time😖

[@dayone567]

16:15 “In 1969, we finally had enough film students to fake the moon landing” HAHAAHAHA good one

[@CoffeebeanerHtx]

Bring back Patriot Act!!!!

[@Lakeshorein]

Just watched department of education panel with Hasan minhaj and came here soo true.

[@endoumamoro]

I feel so humble n privileged to not to be born in THE America.

[@radoraf]

Good for you. You should be proud of where you are from. Now try to openly mock and criticize those in powerful positions in your country and tell me how that works out for you and your family... if you're still around by then.

[@vaclavjebavy5118]

@@radoraf lol wat

[@lyftjennings1890]

Ouch

[@dknight248]

Lol looks like somebody's thin "special-snowflake" skin just got pierced by endou's comment. You realise there are literally dozens of countries with enough freedoms to allow what you're describing, right? US ain't the only place with freedom bruh. In fact your clown-President Drumpf's hatred of truth and freedom of media (which he claims is "fake news") means that what you're describing (openly mock powerful people etc) might even get harder in the US. Get some perspective. Maybe listen to this song (starting at 4:30) - America is a country in the list of countries. lol. kzbin.info/www/bejne/fWGUfWdmlsl_Zqs

[@peacekeeper9496]

@@radoraf do you think that USA is the only country that allows openly criticizing the government? Have you ever heard of European Union, Japan, Australia etc.??? No? Oh... I forgot americans don't really know geography well... Did i just stereotyped? Yeah, I learnt it from you...

[@amorag59]

Yo his camera angles and panning is on point! He knows where to look at each frame! If it were me I'd be searching for the little red light every 30 seconds 👏🏾👏🏾👏🏾 Loving this show already

[@FoobarSG]

Very simple. I took out student debt, graduated, started my career, and paid back my loans!

[@juliannaruzbacki3807]

Is there a non-explicit version of this episode so I can show it to my high school students in class?