Current Events > Just finished paying off 400k in student loans.

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#251
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Will_VIIII
11/19/23 9:58:05 AM
#252:


[LFAQs-redacted-quote]

Yeah but welfare and immigration

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Umbreon
11/19/23 10:02:15 AM
#253:


"Accountability" is drowning in debt because your parents either wasn't knowledgeable enough or wasn't there at all to teach their child about predatory student loans.

Doesn't help that an entire generation was gaslit from childhood into thinking college is the ONLY pathway to success and that a high paying job is guaranteed so they "shouldn't worry about" any loans they take out.

Oh and this very specific debt doesn't go away if you declare bankruptcy. For some reason. But hey, at least if you die any children you haven't won't have to inherit the rest of the debt. Probably.

Strange that other developed countries don't seem to have nearly so bad a problem with student loans though...

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Shadow_Don
11/19/23 10:02:58 AM
#254:


Why is it that with all other bailouts and forgiveness its about saving the economy

But with students loans all of the sudden its about fairness and personal accountability?

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Evthean
11/19/23 10:12:50 AM
#255:


NightingaleMD posted...
Not a coincidence. I'm too busy to write this up now but there have been soooooo many comments about empathy between this and other topics.

See the worst imaginable shit, say the worst imaginable shit. Over time you realize...world wasn't quite what you thought it was, especially with the right exposure.

Fresh out of med school, one of the first attending I worked with did a thing that didn't really make sense until much later.

We had a really, really bad case. Made worse by a patient parent being intentionally deceptive and it resulted in his infant dying horrifically and needlessly.

Afterward he gave me a post-it note for my notebook. He wrote on it, "nightingaleMD's soul."

Then he tore off a small piece and gave me the rest. He told me every time something like this happens he's going to take another piece from me until I have "nothing left."

It was dark humor but it had a point.

See the worst imaginable shit, post the worst imaginable shit.

Or just keep my mouth shut and watch everyone be sunshine and daisies.
So because youve become jaded and cynical by facing the realities of humanity - a fact which you should have been prepared for knowing you were going into medicine - other people should have to suffer by remaining in financial holes they cant reasonably climb out of? Disregarding the point that it was driven into children that college was the only avenue toward achieving gainful employment, your argument boils down not to them having accountability but moreso your own complete lack of empathy for anyone in a different situation than you.

Thats sad.

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MacadamianNut3
11/19/23 10:12:56 AM
#256:


NightingaleMD posted...
So a 17 or 18 year old doesn't understand loans. Not their fault. Arguable, though there is a slight point that an 18 year old is an adult.

But its inexcusable to not fault the parents co signing loans. No 18 year old doesn't have a co signer.

Let me ask you the question differently:

If I don't understand the terms of my mortgage, do I get my house for free? Will government just buy me a car if I don't understand car payments? Why is there such an exception for loans where ignorance is considered a valid excuse?
And where are these teenagers that are buying homes and cars

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Will_VIIII
11/19/23 10:15:47 AM
#257:


MacadamianNut3 posted...
And where are these teenagers that are buying homes and cars
The ones the banks give the loans for!

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Rexdragon125
11/19/23 10:27:01 AM
#258:


rexcrk posted...
B-but if *I* have to suffer, then *they* have to suffer!
My ancestors had to work a farm for 18 hours a day for the right to eat, so should we. Their ancestors had to track down large game all day and kill it with spears, so should we. Now they can just get a burger for a couple bucks.

Society is all about improving life for your descendants, conservatives are by definition on the wrong side of history. Crushing student debt is a strictly American problem out of all the supposedly developed countries.
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#259
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Gwynevere
11/19/23 3:34:07 PM
#260:


NightingaleMD posted...
See the worst imaginable shit, post the worst imaginable shit.

Or just keep my mouth shut and watch everyone be sunshine and daisies.
This seems like an incredibly lazy copout to justify posting horrid shit and support for a political party that runs on literally nothing besides culture war bullshit.

I spent a good deal of time in my early 20s working with people that had either been locked up or should be locked up for some heinous shit, along with a healthy mix of drug addicts/dealers and homeless people. I came out the other side with my empathy 100% intact. This garbage dollar store nihilism philosophy of "the real world will make you jaded" needs to fade into obscurity.

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DrizztLink
11/19/23 7:06:28 PM
#261:


Gwynevere posted...
This seems like an incredibly lazy copout to justify posting horrid shit and support for a political party that runs on literally nothing besides culture war bullshit.
Weirdly enough, I know all kinds of doctors who haven't apparently turned themselves into sociopathic morons as a survival mechanism.

Like, most of them.

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NightingaleMD
11/19/23 8:26:42 PM
#262:


Will_VIIII posted...
What happened with roe v Wade thanks to conservatives again?

Roe v wade was never a permanent solution. It was like the sort-of-statehood like Taiwan, just hanging in the breeze until pushed.

Long term even democrats agree it was good, at least anyone with a mind for strategy. They won't say it out in the open for obvious reasons. But think about it: look at what has happened already. Abortion is now constitutionally protected in several states. As obstetric Healthcare dwindles in banned states (with a specific eye towards places like idaho) even the backers of the ban are starting to see the consequences.

1/5 of registered Republicans in ohio voted for issue 1. That's a powerful statement. Even the state legislature is spewing nonsense while still coming to terms with reality.

The long term consequence is a social shift in the republican moderate wing and likely an ejection of Maga in the distant future. I acknowledge there are short term pains for many but this transition was never calculated by either side to be painless. Unless you have a better (AND WORKABLE) solution? No federal law would yet have support so don't mention that.

megamanfreakXD posted...
dont bother. I accepted the fact that people wont truly understand unless they work in the field. They think doctors go out to play golf everyday after their 9-5 job.


Rofl

Well they're 15% right. My dermatologist buddy more or less lives by his own admission that life. Benefit of private ownership and minimal medicaid population.

[LFAQs-redacted-quote]


We are very far apart here. You know what's predatory? Vacation time share scams that are literally impossible to get out of.

Sorry, I just don't think loans are. All the consequences are spelled out in legalize as well as a bolded summary written at an 8th grade level. Seems like people just aren't happy with their choices.

You've never once addressed the FACT college is neither mandatory nor unaffordable (ie, pay as you go or work for it like I did)

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#263
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NightingaleMD
11/19/23 8:36:40 PM
#264:


Evthean posted...
So because youve become jaded and cynical by facing the realities of humanity - a fact which you should have been prepared for knowing you were going into medicine

One of the very few posts in this topic that nearly got to me.

It is literally not possible to know what medicine is until you do it. Especially under private equity.

No amount of shadowing or "I have a friend"isms or 'I worked as a tech once" could ever give you the insight of an attending physician at a major center under economic and medical collapse.

The experience is bad enough I know the doctors in Gaza will need therapy for the rest of their lives. No physician on earth has ever had to practice like that, to my knowledge anyway

I assume you are not a doctor (non-dermatologist)

DrizztLink posted...
Weirdly enough, I know all kinds of doctors who haven't apparently turned themselves into sociopathic morons as a survival mechanism.

Like, most of them.

People hide illness well. No one in the group I worked in actively ran around telling people they weren't okay.

But coincident to this the divorce rate was 70%? Drug and alcohol addiction was endemic and the ones that weren't divorced were just fucking nurses*

None of this suggests a healthy mind.

*There were definitely a few (like less than 10%) that didn't seem to be involved in any of this. I'm unclear of the explanation

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NightingaleMD
11/19/23 8:52:44 PM
#265:


[LFAQs-redacted-quote]


I dont know what to tell you. My father had a trade job. I did his job. Then I did it full time working for a university for the tuition benefits. Somebody who is younger and more in tune with the market can chime in but 20 years ago it was pretty easy to be an electrician. You just...talked to one.

I am an example of what happens if you really want something and you can make it happen. That's why I harp on accountability so much and bemoan anyone asking for handouts. I became the change I wanted.

And life became better*

*eventually. Had to leave clinical side first but without covid it might have been workable

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DrizztLink
11/19/23 8:54:24 PM
#266:


NightingaleMD posted...
My father had a trade job. I did his job.
So you paid for college with daddy's money one step removed and thus you're a self-made success story?

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Will_VIIII
11/19/23 9:29:57 PM
#267:


DrizztLink posted...
So you paid for college with daddy's money one step removed and thus you're a self-made success story?
Right. An example of privilege

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#268
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Cemith
11/19/23 11:48:14 PM
#269:


NightingaleMD posted...
People hide illness well

Nihilist Doctor are not two words that mesh well.

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NightingaleMD
11/20/23 8:46:26 AM
#270:


Will_VIIII posted...
Right. An example of privilege

Being an electrician--a job you get by trade school/apprenticeship by just applying and handing over 300ish bucks and can mature into an entire career if desired and is absolutely not competitive whatsoever--is privilege

I just want you to think about that

god damn, that's a powerful disconnect I can't even argue.

So anyone with any job is privilege? I'm not sure how much you know about being an electrician but it's not a road to wealth. It feels like your viewpoint everyone is either unemployed or millionaires.

I guess this is a point I'm just going to digress. Feel free to label me a child of privilege if that empowers you so. I've fallen out of contact with everyone I worked with but they'd have massive, massive belly laughs if they knew someone thought I was living a privileged life back then.

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#271
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MacadamianNut3
11/20/23 9:32:26 AM
#272:


MacadamianNut3 posted...
And where are these teenagers that are buying homes and cars


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Will_VIIII
11/20/23 9:39:13 AM
#273:


NightingaleMD posted...
god damn, that's a powerful disconnect I can't even argue.
The complete lack of basic awareness to make this post.

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NightingaleMD
11/20/23 10:13:02 AM
#274:


Will_VIIII posted...
The complete lack of basic awareness to make this post.

Enough about me. Out of curiosity, what is it you do for a living? What is your socioeconomic background? I'm trying to figure out how you are molded to believe the things you say. I've been transparent enough about myself.

Looking over your posts, you seem to be an extrinsic mindset kind of person, versus myself as intrinsic.

e.g., I get the sense your general attitude towards life is things happen to you and you react. Myself, I am very intrisic--I make the outcome I want happen. At first glance this is similar but leads to very different outcomes, a concept well studied.

My new goal is to be chief medical officer of a major insurance company. I'm going to make that happen despite no connection to the industry whatsoever. I'm doing all the research on this I can and have already taken a major career shift for this outcome.

This result will be regardless of how many silver spoons I hold-it is the outcome I seek.

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Will_VIIII
11/20/23 10:14:17 AM
#275:


I'm an accountant.

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#276
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Dungeater
11/20/23 10:16:36 AM
#277:


[LFAQs-redacted-quote]

i am sure that it pays exorbitantly and tc does not think he has enough

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Cemith
11/20/23 10:18:13 AM
#278:


Dungeater posted...
i am sure that it pays exorbitantly and tc does not think he has enough

Like that clip of the older guy in Klepper Fingers the Pulse. He's a Trumper because me made tons more money as a debt collector under Orange.

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megamanfreakXD
11/20/23 11:22:37 AM
#279:


[LFAQs-redacted-quote]

Its the way to go nowadays after doing a few years of clinical work. Hospitalists has not gotten a raise in the last 10 years with shitty bonus payouts and he no longer has any risk from malpractice lawsuits from unreasonable patients. Also there are recent reimbursement cuts from medicare so owning a private practice is no longer worth the upfront investment. Its also less stressful. He made the right career choice.

other options are medical liasions for big pharm and they pay those with MD degrees, especially with board certification and years of clinical experience a shitload of money.

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megamanfreakXD
11/20/23 11:25:20 AM
#280:


Dungeater posted...
i am sure that it pays exorbitantly and tc does not think he has enough
No shit. The loans dont pay themsel- oh wait..

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Dungeater
11/20/23 12:02:26 PM
#281:


huh

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Cemith
11/20/23 12:03:13 PM
#282:


megamanfreakXD posted...
Its the way to go nowadays after doing a few years of clinical work

So, money.

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megamanfreakXD
11/20/23 12:14:25 PM
#283:


Cemith posted...
So, money.
Isnt that the reason anyone has a job in the first place? If not what else?

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DarthAragorn
11/20/23 12:34:24 PM
#284:


I for one am shocked that TC wants to be or is pretending to want to be the type of scumfuck leech that is responsible for the american medical system being as horrendous as it is

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Dungeater
11/20/23 12:35:04 PM
#285:


there are those who enjoy their jobs on their own merits, regardless of pay

they are fortunate. there are also those who dont have any ambition, let alone the senseless pursuit of "more"

they work enough to get by and enjoy their life outside their working hours

there are also those who will not compromise their principles for money

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Cemith
11/20/23 1:11:53 PM
#286:


megamanfreakXD posted...
Isnt that the reason anyone has a job in the first place? If not what else?

Just telling that your response was in response to this:

[LFAQs-redacted-quote]


Just pretty depressing, tbh.

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Gwynevere
11/20/23 4:37:47 PM
#287:


So the entire root of this ended up being that TC already had a good paying job to help pay for school, and can't wrap his head around the idea that people who have lesser paying jobs may also want an opportunity to go to school that doesn't leave them financially kneecapped for the rest of their lives.

Him voting Republican makes 100% sense at this point. Push other people's noses in the shit by any means necessary, huh?

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#288
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#289
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DrizztLink
11/20/23 6:51:58 PM
#290:


[LFAQs-redacted-quote]

He's a doctor that apparently doesn't understand the concept of "foot in the door."

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NightingaleMD
11/21/23 8:47:37 AM
#291:


GranolaPanic posted...
TC, you didnt answer the questions that I asked here.

Didn't see, sorry. Your comment about democrats not saving GOP from their own screwups I assume is about McCarthy getting removed? I still disagree about that. McCarthy was pushing a moderate stance when extremists revolted against him.

Partisan politics is the only reason he was removed. If democrats cared more about their country they would have voted to keep him in. They knew full well it would be weeks of gridlock and now a more right-leaning speaker is in place. All dems had to do was side with the country and not party.

But, they wanted to kneecap the GOP. Doesn't make them better in my mind, sorry.

I'm not saying, once again, republicans are the "good" party. Both play their games. But there is a lot of blind love for democrats I don't understand.

Both parties are, in some ways arguably, abusers of this country. Extremist republicans are the "physical" abusers--removing physical rights or intimidating minorities.

But democrats are the emotional abusers. They are very much the party of censorship and doxxing. I think there's a lot of nuance here for interpretation and disagreement but generally I'm reasonably certain that most of the media does in fact lean left, whereas fox news just leans very, very right. Even MSM like CBS at the national level, by virtue of their reporting, I view as essentially left.

Which is 100% why they were collectively mad about Elon buying twitter--stiffling conservative voice is a key element of the democratic platform. I imagine many of you will disagree, but....just look at what's been done to him/twitter incessantly since he purchased it. Elon...."liked" a post...about someone posting an opinion....and it just became a vehicle for more rebellion against him.

The phrasing around this as well is highly inflammatory. e.g., CNN:
https://www.cnn.com/2023/11/17/business/elon-musk-reveals-his-actual-truth/index.html

Media has a highly inflammatory reaction to anything that goes against their platform.

To be clear I'm not even staking a position here, I'm just pointing out an example of an attempt to censor opinions that come from a rightward view. When you remove the ability to express opinions without consequence you're an abuser--the MO of the left.

Trump and biden, regardless of age, cannot be compared. Unfortunately I was suspended by someone who is not a doctor when I gave a medical opinion of Biden. So I do not see trump and biden as the same even if age is the same, but cannot comment further.

How is Haley not moderate? She is okay with states having abortion rights and supports both ukraine AND israel and champions diplomacy. What is your point of just attaching her name to trump? Seriously. What is the reason?

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Cemith
11/21/23 8:49:55 AM
#292:


Wow that might be the dumbest post so far. And that's saying something.

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#293
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havean776
11/21/23 8:55:54 AM
#294:


I always like that hatred for the left is vague 'censorship!'

Oh how was Elon Musk censored? He is as loud and anoying as hes ever been. Is it because people don't like him? Is it simply that you think people should have no consquences for thier actions, well unless its student loans aparently.
Elon likes and says stupid things people call him out on that. No censorship.

Not like religious extremists don't try to censor people for being gay. No no it's the evil left.
SAME THINGS BOTH SIDES!!!!!

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Gwynevere
11/21/23 8:59:05 AM
#295:


"Democrats are the party of censorship"

Let's check in to see how red states are doing, shall we

https://www.kcur.org/education/2023-09-21/missouri-school-book-bans-pen-america-report

Oh...

Well what about people's freedom of expression, conservatives would never censor that wou-

https://amp.theguardian.com/world/2023/sep/19/us-states-attack-drag-shows-lgbtq-rights

...huh

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#296
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#297
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Southernfatman
11/21/23 9:04:01 AM
#298:


This topic is just one big troll job. Has to be.

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Murphiroth
11/21/23 9:11:56 AM
#299:


He's playing all the hits. Sealioning, the most generic "both sides!" complaining I've ever seen, Elon simping, what's next?

The Elon simpage isn't even accurate lmao, he didn't "like" a post, he retweeted an antisemitic post and agreed with it. Did you even bother to read the link you posted? Doubtful.

Gwynevere posted...
"Democrats are the party of censorship"

Let's check in to see how red states are doing, shall we

https://www.kcur.org/education/2023-09-21/missouri-school-book-bans-pen-america-report

Oh...

Well what about people's freedom of expression, conservatives would never censor that wou-

https://amp.theguardian.com/world/2023/sep/19/us-states-attack-drag-shows-lgbtq-rights

...huh


He's just gonna handwave this as extremists and keep shrieking about the mythical moderate conservative that no longer really exists in the GOP. Ultimately he's ok with all of the above and supports it - as long as the dirty stinky Dems stay out of office, anything the Republicans do is acceptable to the TC.
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megamanfreakXD
11/21/23 9:29:14 AM
#300:


[LFAQs-redacted-quote]

LOL.

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