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this post was submitted on 12 Jan 2024
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Ten years to repay a $12,000 loan? That must have been a usurious interest rate
SAVE is an income-driven repayment plan for people who are earning too little to make a normal payment.
Okay, that makes a lot more sense. Thanks!
I love education and think people should have access to it without qualification or question. Even if they just want to study underwater basket weaving.
But in a world where people have to take out actual loans to get those degrees, the loans probably shouldn't be going out to degrees that do not fairly guarantee ROI for the person receiving them. Still kind of feels like usury to me.
Probably more of a problem with wage stagnation and society-at-large than with any particulars about the degree though.
Even degrees that are more likely to get you a job won't guarantee you a job in that field or a job in that field that doesn't pay enough and you could easily be laid off and unemployed for an extended period of time.
For sure, there's always risk involved. But I get a smell from it based on the fact that the risk is essentially entirely on the student, which means there's an incentive to give out the loans without judging the "business plan", so to speak.
Doesn't happen with business loans. Give out a bad loan to a business and the bank just loses the money when inevitable bankruptcy arrives.
I went to (literal) clown school. Red nose and everything.
I learned so many transferable skills. I'm an excellent public speaker and writer, I can communicate complex ideas in simple and entertaining bite-sized presentations. I had to learn how to market and sell my small touring comedy troupe and in doing so had to make marketing and advertising work on a budget. I planned travel itineraries, I filled out risk assessments, I fire-proofed storage facilities, I handled people who were incompetent, I helped under performing people get better, I handled psychotic meltdowns and screaming tantrums from divas.
if I'd actually gone to business school I would be a lot worse at doing business.
The value of a degree isn't "does the name of the degree reflect trends in what Forbes writers jerk off to" but "what skills are transferable."
If you can underwater basket weave I'd bet you're one hell of an expert in safety protocol, materials procurement, design and application of product, self-management, communication under pressure and you've created a niche product with a unique sell prop with a story based marketing campaign.
I'd take that over "what are the 4/5/7/9/11/15 P's of marketing" any day.