Holy crap that was annoying to read.

@Putz @Just for youtube [NB1] @IImploreYouToRemoveYourself
This isn't to say @DJ_Anuz idea is good or not, but all 3 of you were doing a terrible job framing his argument (for the most part).

Being a responsible individual is always great, but we do also all live in a society, and this society always keeps telling people going to college is the best thing to do. Now after having listened to societies advice, and it doesn't work out well for said person, or becomes to much of a burden for them. Is there something we could do to fix this problem?
DJ: How about we freeze student interest loans after 10 years.
Society: No, you shouldn't have listened to us you loser. Its your own fault!

Is it the problem for the person who took on that loan? Yes, but our society told them it was a good idea, and at some point it will cost us one way or another to fix these things, its not just a "Sorry, its your own fault kid" problem.
I still don't know what i think about the idea (freezing student loans interest after 10 years), i kind of lean against it, but we still need idea's to fix these issues. Which yes will include individuals making better choices but that doesn't fix the problem many people already have, and will also need to work on fixing the mistakes society made/making (if possible) so they don't happen as often.

Society told me college was a good idea too

I looked at the numbers

And It didn't look like a very good idea

Society made it really clear that if I want to go *anywhere* in life I need to go to college

It's San Francisco so that's baked into our schooling

Individuals should have weighed the options

I really dont care how much they were told what the right answer was, when the answer costs $50k you should probably look into that cause it seems like a rather large investment doesn't it

Not Ever Person Is You. heh

This doesn't change that argument if you made a better choice, many people didn't. What do we do about that? (and remember, saying nothing doesn't fix the problem)

Okay we should start by preventing the problem from happening to more people. We won't fix the problem by trying to bandaid it after they already made the mistake. They need to be trained to not make the mistake.

I'm literally sitting at a graduation party with my liberal extended family telling my sister that she can go do ancient history studies or whatever and she's going to be fine. That's what has to stop, not the interest. It's happening right this moment

You not making the same mistake doesn't fix other peoples problems.
Other people learning from these mistakes doesn't fix other people who already made mistakes problem.
Do you have any idea's for fixing people who are in troublesome positions right now, when all they did was listen to society, other then "Sucks for them"?

Yes but more people not making the mistake fixes the other people's future problems

I dont have much of an answer for how to fix all the problems that people have already got themselves into

so @Shadows demands social justice as well :)

Here's another way to look at it. How come we think buying a house in 30 years is an okay idea but paying off a 36k student loan is not achievable. what separates them in terms of achievability?

@Just for youtube [NB1] that's exactly what i said before, step one is stop the bleed then we can worry about healing the wound

Yeah we can heal the wound

Fine by me

Stop the bleeding first

I, DJ as well as the 3 of you said those things. Can we stop repeating it....

@Putz If society creates a problem, society has no burden to fix it?

that would be social justice, but then wear is my social justice for having to pay for someone else's higher education?

Wow.

regardless of indoctrination, i never had an opportunity to remove the pen from that hand, only the person taking the loan had the opportunity to read it and reject the terms

so how is it moral to take my $1 a way to pay for this issue

I'm very happy you made better choices in your life. Does that help other people who might be failing?
Also, how many times have i said this, i'm not advocating for his idea, i'm asking if you have something better then "Sucks to be them".

i have presented many better ideas

You did list 4 things, i'm not sure why they would be better but i'll have to also think about those.

I don't even see how I'm a part of this

also its a debate about whether a freeze on interest accruing after 10 years is the best solution for resolving student loan debt (which was never clearly defined but last i was able to gather from DJ_Anuz). if the freeze is based off of government (and which level) regulation or something companies would do as a marketing strategy was never defined

It was someone asking to work out his idea, and you did very little to understand it or offer up anything really useful. Which is fine, its not really yours to contend with, but it was annoying how much you kept not understanding.

there are many approaches to win the debate, only one would be required to shift audiences position as to the freeze being the best solution:

- Does society owe it the students to bear the burden of their debt
- Current systems are in place that already aid in recovering student loan debt, should the be expanded
- Can the money used to support a freeze program be better spent elsewhere
- If society does owe it to the students to bear the burden of the debt, is there any alternative solution that makes more sense fiscally or socially
- does the program incentivize bad actions (like making minimum payments vs working to pay down debt early)
- etc etc etc

i understand his concept, which is simply a complicated way of getting society to shoulder a portion of the debt. It can be replaced by many other methods including lower interest rates

How does not paying interest after 10 years on debt that the individual will still have to pay = Society has to pay for it.

because society (the lender) has their money depreciated for 20 years without compensation and that money can be used for alternative investments with greater rates of return

a part of that interest payment is covering the devaluation of the dollar over time

So money that doesn't need to exist hurts everyone else who may or may not find use for it later down the road?

that $1 today that isn't repaid, could have been used to pay down national debt for an example

it has alternative uses that have higher rates of return

Are banks paying down national debt?