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iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power. : Burger King Worker DENMARK UNITED STATES S20 an hour 5Weeks paid vacation Pension Plarn Doesn't have to struggle to get by. $9an hour No paid vacation No Pension Plan Has to choose between buying food or clothes. fightfor15.org fb.com/fightfor151@fightfor15 iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power.
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nevertrustamanwho: femmebosskoopa: imamisfittoy: sardonicblisters: yayfeminism: A New Hampshire Republican State Representative anonymously created the “Red Pill” subreddit. Wow. these aren’t just bullshitter dweebs in their mom’s basements trolling the internet, these are men who formulate the way we implement laws and who govern the way we live our lives. ^^^ Hello, yes, everyone needs to see this. It’s not always a bunch of nobodies trolling around on 4chan. It’s, doctors, lawyers, judges, businessmen, bankers, law enforcement, etc. People who have pulls on society. They literally don’t see other groups besides themselves as human or equal …holy shit like this is bad really really bad but so much clearly so if you’ve ever read the scum that floats to the top of the Red Pill. Like basically he was just outed as the creator of a neo-nazi misogynist pro-rape forum explicitly to recruit online loners and groom them like it’s EVERYTHING we’ve been saying these people do but this is like, the hive. For the anon asking why not trust red pill guys : GOP Lawmaker Just Got Outed As The Founder Of Popular Pro-Rape Group by Bruce White Apr 25, 2017 Bonnie Bacarisse of The Daily Beast made a recent discovery that Republican Rep. Robert Fisher (R-NH) is in fact the founder of the "Red Pill" a men's rights misogyny group based on the online forums Reddit and 4chan 13 Fisher wrote, under the username FredFredrickson, "I'm going to say it-Rape isn't an absolute bad, because the rapist I think probably likes it a lot. I think he'd say it's quite good, really." Fisher was asked if he thought it was creepy for a 40-year-old man check-out a 15-year- old's breast. He responded by saying: "In my opinion, no. It's evolutionarily advantageous and perfectly natural." The Republican Congressman has also said that women have "sub-par intelligence," that their personalities are "lackluster and boring, serving little purpose in day to day life.," and that "lt is literally the [female] body that makes enduring these things worth it." The lawmaker stated, "l cannot be honest about my accomplishments or ambitions without ridicule. I am running for a state political position, I'm a high level exec in a franchising company, and I own two business locations in state. I found that stating it simply... nets me negativity on dates if l'm honest." nevertrustamanwho: femmebosskoopa: imamisfittoy: sardonicblisters: yayfeminism: A New Hampshire Republican State Representative anonymously created the “Red Pill” subreddit. Wow. these aren’t just bullshitter dweebs in their mom’s basements trolling the internet, these are men who formulate the way we implement laws and who govern the way we live our lives. ^^^ Hello, yes, everyone needs to see this. It’s not always a bunch of nobodies trolling around on 4chan. It’s, doctors, lawyers, judges, businessmen, bankers, law enforcement, etc. People who have pulls on society. They literally don’t see other groups besides themselves as human or equal …holy shit like this is bad really really bad but so much clearly so if you’ve ever read the scum that floats to the top of the Red Pill. Like basically he was just outed as the creator of a neo-nazi misogynist pro-rape forum explicitly to recruit online loners and groom them like it’s EVERYTHING we’ve been saying these people do but this is like, the hive. For the anon asking why not trust red pill guys
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iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power. : Burger King Worker DENMARK UNITED STATES S20 an hour 5Weeks paid vacation Pension Plarn Doesn't have to struggle to get by. $9an hour No paid vacation No Pension Plan Has to choose between buying food or clothes. fightfor15.org fb.com/fightfor151@fightfor15 iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power.
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iammyfather: imamisfittoy: sardonicblisters: yayfeminism: A New Hampshire Republican State Representative anonymously created the “Red Pill” subreddit. Wow. these aren’t just bullshitter dweebs in their mom’s basements trolling the internet, these are men who formulate the way we implement laws and who govern the way we live our lives. ^^^ Hello, yes, everyone needs to see this. It’s not always a bunch of nobodies trolling around on 4chan. It’s, doctors, lawyers, judges, businessmen, bankers, law enforcement, etc. People who have pulls on society. They literally don’t see other groups besides themselves as human or equal No matter how much proof comes out people will refuse to believe.  How many pictures each week do you see of police officers at Klan meetings yet still people claiming it is a fluke. : GOP Lawmaker Just Got Outed As The Founder Of Popular Pro-Rape Group by Bruce White Apr 25, 2017 Bonnie Bacarisse of The Daily Beast made a recent discovery that Republican Rep. Robert Fisher (R-NH) is in fact the founder of the "Red Pill" a men's rights misogyny group based on the online forums Reddit and 4chan 13 Fisher wrote, under the username FredFredrickson, "I'm going to say it-Rape isn't an absolute bad, because the rapist I think probably likes it a lot. I think he'd say it's quite good, really." Fisher was asked if he thought it was creepy for a 40-year-old man check-out a 15-year- old's breast. He responded by saying: "In my opinion, no. It's evolutionarily advantageous and perfectly natural." The Republican Congressman has also said that women have "sub-par intelligence," that their personalities are "lackluster and boring, serving little purpose in day to day life.," and that "lt is literally the [female] body that makes enduring these things worth it." The lawmaker stated, "l cannot be honest about my accomplishments or ambitions without ridicule. I am running for a state political position, I'm a high level exec in a franchising company, and I own two business locations in state. I found that stating it simply... nets me negativity on dates if l'm honest." iammyfather: imamisfittoy: sardonicblisters: yayfeminism: A New Hampshire Republican State Representative anonymously created the “Red Pill” subreddit. Wow. these aren’t just bullshitter dweebs in their mom’s basements trolling the internet, these are men who formulate the way we implement laws and who govern the way we live our lives. ^^^ Hello, yes, everyone needs to see this. It’s not always a bunch of nobodies trolling around on 4chan. It’s, doctors, lawyers, judges, businessmen, bankers, law enforcement, etc. People who have pulls on society. They literally don’t see other groups besides themselves as human or equal No matter how much proof comes out people will refuse to believe.  How many pictures each week do you see of police officers at Klan meetings yet still people claiming it is a fluke.
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iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power. : Burger King Worker DENMARK UNITED STATES S20 an hour 5Weeks paid vacation Pension Plarn Doesn't have to struggle to get by. $9an hour No paid vacation No Pension Plan Has to choose between buying food or clothes. fightfor15.org fb.com/fightfor151@fightfor15 iopele: queerspeculativefiction: heidiblack: pillowswithboners: luchagcaileag: This isn’t because Burger King is nicer in Denmark. It’s the law, and the US is actually the only so-called “developed” country that doesn’t mandate jobs provide a minimum amount of paid vacation, sick leave, or both. kinda debunks that claim that they can’t afford to pay their workers those sort of wages and still make a profit Its corporate greed, plain and simple. It is the same in Sweden. It is so funny every time an american company opens up offices here and then tries to do it the american way and all the unions go “I don’t think so”. Like when Toys ‘r Us opened in sweden 1995. They refused to sign on to the union deals that govern such things as pay/pension and vacation in Sweden. Most of our rights are not mandated by law (we don’t have a minimum wage for example) but are made in voluntary agreements between the unions and the companies. But they refused, saying that they had never negotiated with any unions anywhere else in the world and weren’t planning to do it in Sweden either.  Of course a lot of people thought it was useless fighting against an international giant, but Handels (the store worker’s union) said that they could not budge, because that might mean that the whole Swedish model might crumble. So they went on strike in the three stores that the company had opened so far. Cue a shitstorm from the press, and from right wing politicians. But the members were all for it, and other unions started doing sympathy actions. The teamsters refused to deliver goods to their stores, the financial unions blockaded all economical transactions regarding Toys ‘r Us and the strike got strong international support as well, especially in the US. In the end, Toys ‘r Us caved in, signed the union deal, and thus their employees got the same treatment as Swedish store workers everywhere. The right to be treated as bloody human beings and not disposable cogs in a machine. and that story right there? is exactly why Republicans in the US work so hard to bust unions. it’s because unionizing WORKS and they’re terrified of workers actually having some power.
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flockdynamics: PLEASE GOD THERE IS NOTHING I NEED MORE IN MY LIFE THAN A T-REX COOING LIKE A PIGEON : uited 84 GENTLE GIANTS? Dinosaurs may have cooed, not roared We've always thought of dinosaurs as creatures that let out ferocious roars. But new research published in the journal Evolution suggests they may have cooed like pigeons, instead. The researchers WASHINGTONPOST.C TO YOUR HEALTH Caregiver ge Zika, raising infection fea examined how birds, the modern ancestors of the AUtah resident who di contracting Zika while abroad may have spre to a family contact wh leave the U.S., raising questions about a pe route of transmissic dinosaurs, produce calls with their mouth. They found that "closed-mouth vocalizations," which are low, throaty whooshes of air, appeared in 16 distinct animal lineages, including crocodiles and birds. The scientists concluded the trait could have evolved in larger dinosaurs, too. TwP) site of the Nice attack. mosquito-borne vi officials said Mond ed family members ice. lanational moment nday to remember aside from those were injured-but vas punctured by ical division. ed on the Riviera he appearance of minister, Manuel ocialist govern- nder increasing State and fede they are investig second person v One possibility between the c and the conta the patient. The Cente Control and deceased p a Zika-affec tests show LUCA BRUNO (AP) flockdynamics: PLEASE GOD THERE IS NOTHING I NEED MORE IN MY LIFE THAN A T-REX COOING LIKE A PIGEON

flockdynamics: PLEASE GOD THERE IS NOTHING I NEED MORE IN MY LIFE THAN A T-REX COOING LIKE A PIGEON

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lifepro-tips: The Debt Pool: Avoiding Student Loan Debt : THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM lifepro-tips: The Debt Pool: Avoiding Student Loan Debt

lifepro-tips: The Debt Pool: Avoiding Student Loan Debt

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frugallivingblog: The Debt Pool: Avoiding Student Loan Debt : THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

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frugallivingblog: The Debt Pool: Avoiding Student Loan Debt : THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

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frugallivingblog: The Debt Pool: Avoiding Student Loan Debt : THE DEBT POOL AVOIDING STUDENT LOAN DEBT STUDENTS ARE DROWNING IN DEBT: HOW BAD IS IT? STUDENT LOAN TOTALS TOP 1.3 MILLION Students graduated with debt in 2012 20S20 $20 $20S20$20 LINBLLI $20 $20 $20 BILL EILLE 1.1 MILLION Students graduated with debt in 2008 IBILL BILLICH 20 $20 LLINBLLI EILLE $20 S20 20 $20 $20 IBILL EILLICH 0.9 MILLION Students graduated with debt in 2004 S20 S20 $20 $20 S20 20 S20 S20 S20 $20 BILL EILLE 40 MILLION 7 MILLION cumulative number of students currently in debt of the 40 million have defaulted THOUSAND OTHOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND THOUSAND DTHOUSAND DTHOUSAND THOUSAND THOUSAND HOUSANDTHOUSAND Average student loan debt in 2014 66% of graduates from public colleges had student loans 75% of graduates from private nonprofit colleges had student loans 88% of graduates from for-profit colleges had student loans AVOID DEBT ALTOGETHER EARN MONEY WHILE IN COLLEGE Grants and scholarships Work grants Start a business, i.e. website developer Tutor others Crowd fund your education Go to night school, work during day Sell some of your future earnings SAVINGS Summer jobs Birthday money, gifts Parents paying for it TIPS FOR KEEPING DEBT UNDER CONTROL 01 Keep Track of balance and repayment status Saving Grace Period: How long you can wait before first payment Stay in Touch: Ignoring lender bills lead to default Don't Panic: You can temporarily postpone your federal loan payments Stay out of Trouble: Not paying can lead to delinquency Pay Off: Most expensive loans first To Consolidate or Not to Consolidate Consider your options Deduct your student loan interest at tax time Loan Forgiveness Sometimes it is an option Prepay: If you can WHERE POLITICAL CANDIDATES STAND ON EASING STUDENT LOAN DEBT DEMOCRATS Hillary Clinton: Government intervention to ease debt burden Bernie Sanders: Tuition free Martin O'Malley: College should be debt free Jim Webb: [no stated solution REPUBLICAN Jeb Bush: Incentivize schools to drive down costs Lindsey Graham: Allow students to refinance their loans. Increase competition. Offer loan forgiveness for teachers Ben Carson: Require families to rely more on personal responsibility, instead of student loans Mike Huckabee: Students can refile. Cut back on govern- ment involvement Chris Christie: Calls for reforming the system to focus more on low-income borrowers John Kasich: Increased government spending on higher education as governor George Pataki: "College is way too expensive" Donald Trump: Stop government profiting from student loans Ted Cruz: Against allowing students to refinance loans Empathizes with students in debt Marco Rubio: Advocates income based repayment Carly Fiorina: Increase competition to lower prices Rick Santorum: Roll back govern ment role in education CITATIONS http://ticas.org/content/posd/top-10-student-loan-tips-recent-graduates [for Top 10] http://blogs.wsj.com/numbers/congatulations-to-class-of-2014-the-most-indebted-ever-1368/ http://ticas.org/sites/default/files/pub_files/Debt Facts and Sources.pdf http://www.marketwatch.com/story/where-the-presidential-candidates-stand-on-student-debt-2015-07-28 http://www.schools.com/articles/how-to-avoid-student-loan-default BROUGHT TO YOU BY ONLINECOLLEGEPLAN COM frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

frugallivingblog: The Debt Pool: Avoiding Student Loan Debt

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