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- Why do people get in to debt over tuition?
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| Why do people get in to debt over tuition? | |
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| Tweet Topic Started: Apr 26 2016, 01:08 AM (1,240 Views) | |
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Apr 26 2016, 07:42 AM Post #16 |
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Don't worry about it. My post was mostly in response to these questions from the OP:
Why would you get a degree in something you don't love just because you "think" it has a better chance at job security? |
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| + Steve | Apr 26 2016, 12:54 PM Post #17 |
Greetings. I will be your waifu this season.
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Because shouldn't you pick something that's actually realistic? Just because you want to do something doesn't necessarily mean you'll ever be good at it or even enjoy it. You might spend like 10 years going through university to get a degree, finally get a job based on it and then hate it. No job satisfaction and a heap of debt, would it be worth it? Money isn't everything, though of course it's certainly helpful if you're tens of thousands of dollars in debt  Seems like people there are just too focused on success, becoming rich and famous or "important" and then debt gets out of hand. |
 Definitely not a succubus, fear not | |
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| + Pelador | Apr 26 2016, 12:58 PM Post #18 |
Crazy Awesome Legend
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Degree's don't take ten years Steve. Maximum of five. If you are dedicated enough to finish a course that long then chances are you are going to enjoy the job you get at the end of it. |
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| * Mitas | Apr 26 2016, 02:18 PM Post #19 |
It truly was a Shawshank redemption
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My sister took 4 years to do her degree and now she's in her second year as a teacher. Obviously most people don't go straight from finishing a degree into a job they want, but like Pelador said, 10 years is a dramatic overstatement. You hit the nail on the head though: it's all about money, and to a lesser extent, doing something they consider worthwhile. The money they spend on a degree is an investment in their future. Key word being 'investment': it's still a risk, but a calculated one. You're banking on the degree getting you a job that will pay you enough that you can pay out your loan each month and still be earning more than you would without a degree. Plus, for most important jobs, or jobs considered worthwhile, a degree is pretty essential. It sounds like you just don't value money and job prestige as highly as a lot of people (I'm in the same boat as you there), but just because you don't follow that thinking, it doesn't make it a pointless life choice. Plus, in the UK at least, the student loan debt isn't really that big of a debt. You only have to pay when you pass a certain earning threshold, and it gets wiped after a certain amount of time. |
 "Then you've got the chance to do better next time." "Next time?" "Course. Doing better next time. That's what life is." | |
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| Buuberries | Apr 26 2016, 02:39 PM Post #20 |
No
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there is more to ambition than being good at something and enjoying it lol |
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| Mihawk | Apr 26 2016, 02:50 PM Post #21 |
 
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A lot of jobs require you have a degree, eg above, with being a teacher. The idea behind getting into a debt for an education is an expected return on investment which will eventually be a greater amount returned over time. It used to be a good idea at one point until universities have overjacked their price way beyond inflation rates. The loan system kind of supports this since everyone can now "afford" an education so they don't have any reason to keep their pricing competitive. Still, getting a degree is way better than not having a degree. There's a glass ceiling and glass floor that's very hard to breach in most industries apart from the minimum wage or close to minimum wage jobs. By getting a degree you've put yourself in a good position for growth. Not that it's impossible to grow without one, just that you've put yourself at a disadvantage from the get go. Many CEOs are known to have faked their degree just to get ahead. And one last thing I've noticed is that being college+ educated changes your viewpoint on life and people. You become more open minded and your opinions tend to give the impression of being will rounded (not that exceptions don't exist both ways). Polling of people with education and without tend to be very far apart. |
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Apr 26 2016, 03:38 PM Post #22 |
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If you want to study for something that doesn't light that fire in you and spend the rest of your life working a job that doesn't inspire you, be my guest. I would rather pay more for a degree that will actually mean something to me, that I actually enjoy learning about and can see myself loving for many years to come. Like everyone else has already said, basic degrees don't take 10 years. If you're on track, an associates takes 2 years, a bachelors takes 4, and a masters takes 6 (or 7?) Also, why do you assume that "worthless" degrees produce no job satisfaction? I'm not really sure what you consider a worthless degree, but you keep insinuating that they exist. What counts as "realistic?" All degrees are realistic for someone or they wouldn't exist as career paths. I can think of multiple job opportunities for any degree out there. I can't really speak for your last comment though because I've never been in debt. |
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| * Mitas | Apr 26 2016, 04:44 PM Post #23 |
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It truly was a Shawshank redemption
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Steve also seems to think that degrees produce job opportunities limited only to the field that they're associated with, which isn't true. Lots of people study a degree in one field and then get a job in another. While it's probably a plus if someone has a degree specific to the field of work they're looking to get into, it's not always a requirement. In most cases the key thing an employer looks for is just that the person has a degree because that indicates a person who has shown a commitment to learning and an ability to do so effectively. |
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"Then you've got the chance to do better next time." "Next time?" "Course. Doing better next time. That's what life is." | |
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| * Ketchup Revenge | Apr 26 2016, 07:29 PM Post #24 |
"Gentlemen, you can't fight in here! This is the war room!"
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People are put under the assumption that if they go for these degrees, they'll get a job fairly quickly after graduation and they're able to pay back all their student debt. But however, mostly in the US, that's not the case now. It's difficult to find a job in certain fields, even though the schools sometimes guarantee you that they'll help you find one (which seldom happens, tbh.) It's not even that these graduates aren't looking for jobs, it's just that companies aren't hiring, or these companies make it unnecessarily difficult to get in. They want someone with experience, but then if you have too much, they don't want you. The butter zone for hire-ability is very thin. Some students go YEARS before they get an actual job in their field, my husband is a prime example. My husband went to school for broadcasting, and now 8 years later, he finally got an actual job in the field. The rest were either one-time-gigs, part time work, or unpaid internships. Edited by Ketchup Revenge, Apr 26 2016, 07:35 PM.
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 The vengeance is her's for as long as she stands by Him. | |
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| + Steve | Apr 27 2016, 12:42 AM Post #25 |
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Greetings. I will be your waifu this season.
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The 10 years thing is taking in to account not passing everything first time and the gap between getting a degree and getting a job because of it. When did I say degrees are worthless...? I literally never said that at all. At the end of the day you might think you're going to enjoy something and then when you actually get around to getting the job you hate it. Then you're potentially hundreds of thousands of dollars in debt doing something you don't enjoy or you can quit and be even worse off.
You're not really getting the context to what I said there without what I quoted. In any case I've heard time and time again that employers care much more about experience, many degrees are virtually useless to people for a long time because someone fresh out of college/uni is less valuable to them than someone who's had like 10 jobs in various fields and has all that experience behind them. Obviously if you're going to be a neurosurgeon you need a bit more than some experience in office work though 
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Definitely not a succubus, fear not | |
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| Buuberries | Apr 27 2016, 07:24 AM Post #26 |
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No
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no, you're just being really simplistic as usual with your dichotomous thinking. it's always "it's this or that" with you; there's no middle-ground. there's no "maybe this job isnt what i thought it was going to be, but after studying this field for half my life i was expecting it, and it still means a lot to me regardless so it's worth it." instead it's "omfg i wasted my time i'm even worse off than before despite all these years of education and all the transferable skills i learned and developed" and yes obviously someone with a decade of experience is going to be more appealing than someone fresh out of university with a degree but no experience. but what about someone with experience AND a degree vs someone with only experience yea, thought so. it's always extreme case vs extreme case with you. you don't consider anything in between. |
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