is the most useful thing that can be done for all the people on the planet.
Most people won't be able to afford gene therapy or "phamacology". Lots of people can't even find enough to eat and/or can't stay well long enough to die from our current old age.
Your approach has one big glaring gigantic behemoth flaw:
You can't submit the form data as a form any more when you inject a frame in such a fashion.
I completely understand this.
However, how else can we help disadvantaged individuals form a career?
Otherwise, college is only for the middle/upper middle class.
that's the problem we have going forward.
A generation of students with aggregate debt > $1T, greater than the aggregate credit card debt. Note that credit card debt was lent on proof of existing revenue, the student debt was lent on "you might make money in 5 years if the economy is good and you have a good degree".
If you borrowed it, you should have to pay it back. It doesn't make any sense to allow people out from under their debts that they made the conscious decision to borrow. If you don't understand the total costs, how the lending and repayment processes work, or if you don't have any solid plans for living with that debt, you shouldn't be borrowing it. Period. I don't care if it's a mortgage, a car loan, a school loan, or even your neighbor's tools. Your borrowing choices and the repayments from those choices should always be your own responsibility.
Nevermind we tell them they're worthless unless they go to college (what you want to flip burgers your whole life?) and just say "oh well it pays for itself", and our schooling system doesn't teach how repayment processes work, what a promissory note is, how to choose a degree that will be in demand in 5 years (serious lol at this one), or how to find random part time jobs besides McD (crap pay) that can help you pay your way through college.
No, rather, they're supposed to just fabricate or synthesize that information for themselves out of thin air (if they could do that, they would be an entrepreneur and wouldn't need college).
Good to know.
Thanks for the tip.
Life is gonna kill you.
The sad thing about conspiracy theories and the internet age is that no matter how far out or whackjob the theory may be, you can find a dozen videos documenting "proof" of the theory and entire forums full of people who believe in the lunacy and who circle-jerk each other in a frenzy of panic.
1. I went to a state school in Ohio which offered me a scholarship for athletics during undergrad. We paid very little.
2. I delayed grad school until I found a company that would pay for my education. I left that company with about 5 classes remaining but only had to end up paying $5200 total for a $28,000+ education.
3. This is being compared to the home loan situation. People were doing things that were stupid then too such as buying homes beyond their means, not educating themselves about the types of loans they were obtaining, etc. This is no different.
Do not go to a school you cannot afford and most definitely don't go into a major which will not provide you with a working wage afterward.
I think your suggestions are good, but I think it's wrong-headed to blame the students for 'not taking responsibility.
This is a systemic problem. We have a bunch of 18 year-olds with relatively little life experience, and we keep telling them that going to a good college will make them rich someday. We give them the impression that taking out massive amounts of student loan is a wise move. This message comes from parents and teachers and politicians and the media, and you can't blame a bunch of kids for believing it.
We need to take a good hard look at how we're treating education. Is college a place where kids can receive a good general education, or are they vocational schools? Are we promoting education for the good of our society, or do we think it's a privilege for rich people that should be denied to the poor because they haven't earned it? Is the purpose of college to educate our young adults, or to entertain them with frat parties and amateur minor-league sports teams?
"They that can give up essential liberty to obtain a little temporary saftey deserve neither liberty not saftey." -- Benjamin Franklin, 1759