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Student Loans Are Scary
Author Message
Evan92 Offline
Revolutionary

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Given 69 thank(s) in 42 post(s)
Post: #1
Student Loans Are Scary

So far I have been fortunate enough not to require student loans. Last week I was chatting with a fellow intern and I learned some frightening facts about student loans, mind you these laws apply to where I reside.

1. If you invest any student loan money (stocks,bonds ex-cetera) you can be indicted on fraud charges.

2. Casino winnings are considered earnings even though they are not taxed here.

3. The government at any time, random or not, can pull your bank records up to seven years in the past.

4. Inheritance and gifts are considered income as well even though it is not income under the tax code.

5. You may only earn up to 300 per month from part time income.

6. If you are audited and the government deems that you have falsified any information, they can make you pay the loan back in its entirety within 90 days or risk prosecution which includes the possibility of federal prison time.

7. The banks have monitoring software which tracks unusual withdrawals and will communicate to the government in the event they deem anything to be suspicious.
06-03-2014 02:16 PM
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no Offline
True Scotsman

Posts: 1,238
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Post: #2
RE: Student Loans Are Scary

#5

wut

Oh, I see, to prevent you from making enough to repay the loan early without paying mountains of interest. Greedy bastards.

Hello, traveler.

This is an ancient account I have not used in a long time. My views have changed much in the intervening months and years.

Nonetheless, I refuse to clean it up. Pretending that I've held my current views since the beginning of time is what we in the industry call a lie. Asking people to do so contributes to moralistic self-loathing. "See, those people have nothing damning! I do! I'm truly vile!"

Because you can never be a good person with a single blemish on the moral record, I thought that simply entertaining some thoughts made me irredeemable. Though I don't care for his writing style, William Faulkner presents a good counterexample. He went from being a typical Southern racist to supporting the civil rights movement. These days we'd yell at him for that, probably.

People are allowed to change their views.

Nevertheless, this period of my life has informed some of how I am today. In good ways and bad ways. To purge it would be to do a disservice to history. Perhaps it will not make anyone sympathetic, but it may help someone understand.

If, after reading all this, you still decide to use the post above as evidence that I am evil today, ask yourself if you have never disagreed with the moral code you now follow. In all likelihood you did, at some point. If some questions are verboten, and the answer is "how dare you ask that," don't expect your ideological opponents to ever change their minds.
06-03-2014 08:12 PM
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MrAnonymous Offline
Armed with a Keyboard

Posts: 161
Joined: May 2014
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Post: #3
Student Loans Are Scary

This post reminds me a lot about Honest College Commercial by nigahiga.
http://m.youtube.com/watch?v=T24DPU-hkJM&feature=kp

"If you wanna know how not secure you are, just take a look around. Nothing's secure. Nothing's safe. I don't hate technology, I don't hate hackers, because that's just what comes with it, without those hackers we wouldn't solve the problems we need to solve, especially security."

-Fred Durnst

[Image: vipersig.jpg]

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06-03-2014 09:36 PM
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brainiac3397 Offline
Machiavellian Amoeba

Posts: 9,823
Joined: Feb 2013
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Post: #4
Student Loans Are Scary

What?

I invested my loan money. And I get paid more than 300 a month.

Ain't no corporatist scumbag banker gonna tell me how to use the money they hope to squeeze out of me in excess(Look at the damn interest rates!).

What sucks too is that you can't remove with bankruptcy. You can try to eliminate loan completely, but that requires some severe restriction to your ability to pay back(like becoming deathly ill and unable to work, or becoming a quadriplegic)

I also hate the loan providers website. All this hippy shit about "helping dreams come true" and how they and the government are in bed and look out for us. Who they think they trying to fool? I know what those pigs are up to!

Personality DNA Report
(06-14-2013 08:02 AM)Potato Wrote:  watch the fuq out, we've got an "intellectual" over here.

Hidden stuff:
[Image: watch-out-we-got-a-badass-over-here-meme-240x180.png]
Brainiac3397's Mental Health Status Log Wrote:[Image: l0Iy5HKskJO5XD3Wg.gif]
06-04-2014 09:23 AM
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Evan92 Offline
Revolutionary

Posts: 212
Joined: May 2014
Thanks: 22
Given 69 thank(s) in 42 post(s)
Post: #5
Student Loans Are Scary

These are government loans, not loans from a bank or a private lender. But yet the bank can report to the government on anything deemed out of the ordinary. Single mothers do not pay for a dime of school here. They receive full grants plus a cost of living stipend, not a c of l loan. Immigrants that aren't even here legally get full grants as well. This is a two tiered system, one for citizens who contribute and pay up another for those who are on every fucking benefit available.

In fact the more benefits you are on the easier it is for you to acquire grants. You have translators at universities for non english speakers. Our tax money pays for these people to have a person sit with them and converse in their own language. I've seen it twice personally annoying as fuck trying to listen to the prof and hearing punjabi in the other ear. I support welfare for legal citizens who need it, we shouldn't be rewarding people who pop out a new baby every year.

Fucking healthcare my 79 year old grandfather is waiting for a pet scan for 3 weeks at the local cancer centre. I miss what Canada used to be, not the sick country its morphed into. I swear to god I'm never voting in another election again. All the mainline parties are all the same. Conservatives have gutted our middle class liberals are hell bent on destroying the social fabric of this country and the NDP is so out of touch with the average citizen. I would love nothing better than to move to the United States to get away from this shithole. The way things are going here Canadians aren't welcome in Canada anymore.
06-04-2014 11:09 AM
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Sharpie Offline
Banned

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Post: #6
RE: Student Loans Are Scary

The united states isn't much better..
06-04-2014 11:11 AM
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brainiac3397 Offline
Machiavellian Amoeba

Posts: 9,823
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Post: #7
RE: Student Loans Are Scary

(06-04-2014 11:11 AM)Sharpie Wrote:  The united states isn't much better..

But at least we have our guns...
[Image: Richard-Ryan-M2-Browning-Ma-Deuce.jpg]

Personality DNA Report
(06-14-2013 08:02 AM)Potato Wrote:  watch the fuq out, we've got an "intellectual" over here.

Hidden stuff:
[Image: watch-out-we-got-a-badass-over-here-meme-240x180.png]
Brainiac3397's Mental Health Status Log Wrote:[Image: l0Iy5HKskJO5XD3Wg.gif]
06-04-2014 11:27 AM
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KFC Nyan Cat Away
suck 360 blazeit hooks

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Post: #8
Student Loans Are Scary

What? It's like they want you to be in debt forever.

City YouTube Channel: https://www.youtube.com/user/kfcnyancat
City Tumblr: http://kfcnyancat.tumblr.com (no longer operational due to personal issues)

"Absence of evidence is not evidence of absence" - Donald Rumsfeld

For anyone who remembers me going on an archive binge: Thank you all. I know I ended it being a drama queen, I don't really agree with the ideology anymore, and I'm really not the same person I was (I went through a neopagan phase!) but still this site was the first online community I was in. I graduated from school and turned 18. Time flies. KFC Nyan Cat, June 20, 2019.
06-04-2014 11:29 AM
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brainiac3397 Offline
Machiavellian Amoeba

Posts: 9,823
Joined: Feb 2013
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Given 1983 thank(s) in 1428 post(s)
Post: #9
Student Loans Are Scary

It's the same in the US. With the aid of the government, these bastards pretty much establish a long-term high-interest scheme that can't be avoided without death or serious disability. They are practically guaranteed profit for a long time as long as you don't die or lose your limbs or get paralyzed.

Personality DNA Report
(06-14-2013 08:02 AM)Potato Wrote:  watch the fuq out, we've got an "intellectual" over here.

Hidden stuff:
[Image: watch-out-we-got-a-badass-over-here-meme-240x180.png]
Brainiac3397's Mental Health Status Log Wrote:[Image: l0Iy5HKskJO5XD3Wg.gif]
06-04-2014 11:37 AM
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