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#1 
?
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Posted Yesterday, 02:13 PM
Are they just saying this to entrap more into the uni debt ponzi scheme? What next mortage debt cancelled?http://www.independe...nt-8297216.html
Read it and weep. Wish I never bothered being responsible and paying mine back now.
'Why is this lying ******* lying to me?' (Paxman)
#2 ?
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Posted Yesterday, 02:18 PM
workhou, on 08 November 2012 - 02:13 PM, said:
http://www.independe...nt-8297216.html
Read it and weep. Wish I never bothered being responsible and paying mine back now.
its not news...thats how it is....baby loo has one...never paid a penny off it.
Your
country is at risk
if you
do not keep up repayments
on a gilt or other loan secured on it
#3 ?
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Posted Yesterday, 02:22 PM
i thought it was over 15k , i know my mate said he was paying his back, and i know he earns under 20k he told me, will this mean he will stop paying it until he gets over 21k ?
#4 ?
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Posted Yesterday, 02:26 PM
I took a couple out in the late 90's, one was to buy a computer the other I took out and put in the bank and then ended up using it for part of the deposit on the house.Stopped paying it back once I realised I wasn't earning enough and have deferred every year since.
I doubt I'll ever pay the money.
#5 ?
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Posted Yesterday, 02:36 PM
James Toney, on 08 November 2012 - 02:22 PM, said:
i thought it was over 15k , i know my mate said he was paying his back, and i know he earns under 20k he told me, will this mean he will stop paying it until he gets over 21k ?
i think they raised it if you took it out in the last few years, still 15k for previous takers though
#6 ?
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Posted Yesterday, 02:39 PM
I had one of the original types, whereby earn over 2/3rds national average salary or summat similar and you couldn't defer it. I finally paid mine off over 5 years (3 or 5 year pay back term depending on how many you took out). The ones I feel really sorry for are the batch my ex fell into, whereby you pay back a percentage as soon as you earn over ?15K. This is basically just a 9% additional tax on earnings as you have to be earning well into the 20K's before you actually pay back more per year than you pay back. It's pretty disgraceful really.This post has been edited by Flaps: Yesterday, 02:41 PM
#7 ?
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Posted Yesterday, 02:54 PM
I met a girl when I was cycling in America. She'd got $300k in debt doing a course, so decided there was no point in ever having a real address or job. Cycled round and round America earning a few quid here and there.Nice life for a while, but at some point it'll catch up with her.
No course costs $300k. It's a government sponsored con to make everyone working at universities very rich.
We're creeping the same way here.
#8 ?
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Posted Yesterday, 03:00 PM
57percent, on 08 November 2012 - 02:54 PM, said:
No course costs $300k. It's a government sponsored con to make everyone working at universities very rich.
Bullseye.
VoR's speculative 2012 predictions - made 31/12/2011:
1) Ron Paul to sweep the board at caucuses, win GOP nomination and win the Presidential election in November 2012.
2) UK Gilt market to come under pressure. 10 year Gilt yields to trade above 4% for a period.
3) Tottenham Hotspur to win the 2011/2012 Premiership.
#9 ?
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Posted Yesterday, 03:08 PM
This was always on the cards. I have said this many times before but even a twelve year old with a basic grasp of mathematics could see that the student loan system was flawed and that was under the older system before the hike in tuition fees. Since they raised tuition fees the average student loan doubled from around 15-20k to nearer 40k so the figures now look even more suspect.The earnings threshold for repayment was 15k when I graduated in 2001 and evidently it has now been raised to 21k. Student loan repayments amount to 9% on all earnings above the threshold i.e. anyone earning less that 21k will not repay any of their student loan. Interest at the rate of RPI inflation (as at September) gets added every year. So you have to pay back at least some of the loan each year just to cover the interest. The problem, of course, is that most graduates do not earn enough - certainly for the first few years after graduation ? to even cover the interest.
Example -
Year 1 Graduate salary ?25k (and that?s being very very generous) - 21k threshold = 4k x 9% = ?360 student loan repayments
Year 1 ?40,000 student loan x 3% RPI = ?41,200 - ?360 = ?40,840
In year 2 the amount owed has increased by ?840. Just to pay off the interest in the first year the student would need to earn ?44k! How many student do you know that earn ?44k in the first year after graduation?
I feel lucky that my student loan was ?only? 19k. I graduated in 2001 and for the first few years the amount I owed was getting larger because my repayments weren't even covering the interest. It?s only in the last four or five years that I?ve actually started paying it down. Eleven years after graduation I still owe more than 16k. I expect to pay mine off but I'll be well into my 50s,
This post has been edited by monstermunch: Yesterday, 03:09 PM
#10 ?
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Posted Yesterday, 03:11 PM
Fees up ninefold since Bliar introduced them against inflation of something like 60%.'Fuel' and 'beer' escalator that maybe double prices in a decade cause enough problems. No surprise that such outrageous increases become money losing Kafkaesque nightmares.
'Don't worry.......no upfront fees to pay'!!!!! Clegg reminds us. This pay tomorrow attitude is what has shafted this country. An extension of the 4 years interest free DFS model where payments outlive the furniture.
......But if you were stupid enough to take out PPI insurance or an interest free mortgage you will be compensated.
BRAIN DEAD AR$EHOLES
#11 ?
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Posted Yesterday, 03:15 PM
You're all idiots.Look it's very simple.
If half of young people go to uni, and you make going to uni cost ?21k, what you are able to do is transfer ?21k of the outstanding government debt liability from the government DIRECTLY TO YOUNG PEOPLE. Old people ran up a ?5trn debt but are too old to pay it back, so you HAVE to find a way to FORCIBLY transfer that debt DIRECTLY onto young people.
It's not money for education, it's not money for universities, it's just a direct transfer of wealth from young to old. They may as well say "on your 22nd birthday you are required to give your grandparents ?21,000 in exchange for the right to live"
This post has been edited by RufflesTheGuineaPig: Yesterday, 03:16 PM
It's time to pay the piper. There is no magician who will magic away the debt. Someone is going to have to pay it. Bend over and prepare to make payment.In this glorious nation of ours, if you work hard and keep your head down for 25 years then you too can aspire to own one-eighth of a one bedroom flat in Manchester.
My mum and day always tell me how important it is to save to buy a house. They should know, it took them nearly 6 months to save for theirs. As teenagers, they bought a 3 bed semi.
#12 ?
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Posted Yesterday, 03:21 PM
RufflesTheGuineaPig, on 08 November 2012 - 03:15 PM, said:
It's not money for education, it's not money for universities, it's just a direct transfer of wealth from young to old. They may as well say "on your 22nd birthday you are required to give your grandparents ?21,000 in exchange for the right to live"
This. As in the USA, it's just another way of getting debt/cash into the system. They are basically printing money as the government doesn't have the money to lend in the first place.
#13 ?
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Posted Yesterday, 03:23 PM
RufflesTheGuineaPig, on 08 November 2012 - 03:15 PM, said:
Look it's very simple.
If half of young people go to uni, and you make going to uni cost ?21k, what you are able to do is transfer ?21k of the outstanding government debt liability from the government DIRECTLY TO YOUNG PEOPLE. Old people ran up a ?5trn debt but are too old to pay it back, so you HAVE to find a way to FORCIBLY transfer that debt DIRECTLY onto young people.
It's not money for education, it's not money for universities, it's just a direct transfer of wealth from young to old. They may as well say "on your 22nd birthday you are required to give your grandparents ?21,000 in exchange for the right to live"
They will tax oxygen for the young. They have no right being so active and using more.
"We need to make a really big change: from an economy built on debt to an economy built on savings" - David Cameron Jan 2009
"Gordon Brown has systematically undermined Britain's savings culture over 10 years" - George Osborne Dec 2008
"Printing money is the last resort of desperate governments when all other policies have failed" - George Osborne Jan 2009
- So what do Cameron & Osborne do? Print money and leave interest rates at 0.5% when inflation is over 5%
Did you spot the difference in my avatar? They have both separated people from their money. One gets a knighthood and inflation linked pension, the other a 150 year prison sentence.
#14 ?
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Posted Yesterday, 03:52 PM
What this actually means is that the interest rate on these loans is so punitive that most people will not clear the principle within the 30 year 'cut off'Of course, over the course of those 30 years the interest paid back will far exceed the original loan amount.
What they are also not saying is that at some point in the next 30 years they will probably extend the period from 30 to 40 years, they may even deduct the outstanding amount form your estate if you die.
I also think that if someone emigrates, they won't let them take any capital out of the country if they still have a loan outstanding.
Basically, student numbers have dropped as a result of this policy and they are now trying to plant a seed in peoples minds that they will be somehow 'let off' this money at some point in the future.
That isn't going to happen - quite the reverse.
Going to Uni is now a mugs game I'm afraid - unless your parents can afford to pay up front.
My daughter has got on a training scheme with a blue chip company that pays her a salary whilst giving her day release to study a professional qualification.
After 2 years she will go onto the Graduate programme and will be on the same scheme as people who have left university with a degree, only she will be a year younger and instead of being 10's of k in debt she will have 10's of k saved towards the deposit for a house (after prices have crashed).
The problem is, positions like this are as rare as hens teeth and getting it was ten times more difficult than getting my sons into Russell group Unis before the fees went up.
I really do feel extremely sorry for anyone leaving college with good A levels now whose parents aren't filthy rich because the new fees regime is just debt slavery.
#15 ?
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Posted Yesterday, 03:52 PM
57percent, on 08 November 2012 - 02:54 PM, said:
Nice life for a while, but at some point it'll catch up with her.
No course costs $300k. It's a government sponsored con to make everyone working at universities very rich.
We're creeping the same way here.
But living a nice life and partying all the time can!
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