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duggs
Killing me softly
Silver Level
very valid, I'm lucky enough that my dad is putting me through university, no idea how others can make it through with so much debt.
Matt Vaughan
King of Moody Rants
Bronze Level
Yeah, I'm also fortunate enough to not be paying for college myself. Though every time I go play poker live and they find out I'm in school, everyone starts making all these remarks about how everyone in college is a privileged white kid who never had a trouble in the world. Bothers me a lot, cause a lot of my friends in school would not be there without a scholarship, multiple loans, and working a job while going to school.
O
orangepeeleo
Cardschat Elite
Silver Level
Yeah uni debt is fine as long as it doesnt include credit card debt, thats where my mate ****ed things up, 2 cards maxed out :/
There's a difference between bad debt like CC's and good debt like student loans/houses etc, my parents didn't see the difference and that affected me, as I was like woooah, don't want debt, not goin uni! When really student loans dont count as debt imo
mrmonkey
Visionary
Silver Level
Sometimes student loans and home loans can be a form of bad debt as well... I think it really depends on how much debt you are taking on and what percentage of your income is being allocated to paying off the loans. It really comes down to living within means which WVH made a nice post on and making sure that anything you go into debt over is indeed a productive asset. Going $160,000 into debt for a mid/low-tier private university undergraduate degree doesn't make a whole lot of sense when often times a comparable public school could cost a quarter of the amount.
hackmeplz
Sleep Faster
Silver Level
I've been pretty blessed with poker. It's allowed me to not only get some pretty amazing life experiences but also pay for school and instead of graduating with debt I'll be graduating with a decent amount saved.
LuckyChippy
Cardschat Elite
Silver Level
In the UK tuition is a maximum of £9000 a year for 3/4 years (used to be £3000 a couple years ago) which is obvs a lot less than the U.S. The loan is straight from the government (through a subsidiary) and you only have to pay a very small amount which is taken directly from your paycheck like tax. If you don't earn more than I think it's around 20k, you don't pay towards your loan. After 30 years it expires too.
There's no pressure to pay and you can never get caught behind or in trouble with it. Sure you DO have to pay it off if you're earning money (which we all aim to do) but it's not debt in the traditional sense. Infact most people never actually earn enough to pay it all off before it expires.
I have no idea how it affects your credit rating but I don't see how it would aside from reducing your take home income.
There's no pressure to pay and you can never get caught behind or in trouble with it. Sure you DO have to pay it off if you're earning money (which we all aim to do) but it's not debt in the traditional sense. Infact most people never actually earn enough to pay it all off before it expires.
I have no idea how it affects your credit rating but I don't see how it would aside from reducing your take home income.
mrmonkey
Visionary
Silver Level
Score: UK 1 - USA 0
xdeucesx
Bar Master
Silver Level
Georgetown would be so sick, my roommate's dad is Georgetown Law alumni, said he would write me a LOR so we'll see if that helps or not
As for debt, UK>>>>>>>>>USA system. I go to a public, state school so pretty much everyone here is on loans. I was fortunate enough to get scholarships so my costs are minimal, but that being said, I know tons of students who have had to drop out bc they just couldn't afford the loans. It's pretty sad really
As for debt, UK>>>>>>>>>USA system. I go to a public, state school so pretty much everyone here is on loans. I was fortunate enough to get scholarships so my costs are minimal, but that being said, I know tons of students who have had to drop out bc they just couldn't afford the loans. It's pretty sad really
hackmeplz
Sleep Faster
Silver Level
Unless you're one of the people not in college, where in the UK you end up paying for everyone else if what you said is true.
xdeucesx
Bar Master
Silver Level
vanquish
Legend
Silver Level
btw what are u using to improve ur LR sections? cause like it shouldn't be that hard to get from 15/25 to 21/25 at least. there's only like 1 or 2 "hard" questions per section and if u leave time at the end to do them, you should be able to get them too.
i remember i was getting perfects on every LG and losing like 1 point on avg on LR and 2 on avg on RC and then on the actual exam i ended up with like -4 LG and perfect LR and whatever RC, which was gay
i remember i was getting perfects on every LG and losing like 1 point on avg on LR and 2 on avg on RC and then on the actual exam i ended up with like -4 LG and perfect LR and whatever RC, which was gay
xdeucesx
Bar Master
Silver Level
btw what are u using to improve ur LR sections? cause like it shouldn't be that hard to get from 15/25 to 21/25 at least. there's only like 1 or 2 "hard" questions per section and if u leave time at the end to do them, you should be able to get them too.
i remember i was getting perfects on every LG and losing like 1 point on avg on LR and 2 on avg on RC and then on the actual exam i ended up with like -4 LG and perfect LR and whatever RC, which was gay
I've improved pretty drastically just on practice questions alone.
Scored a 14/25 on the actual exam, but since reading the LSAT handbook/practicing and reading the Q's slower, i've been averaging like 18-21 currently.
If I could just stay in that range, i'd be fine. I score like 19-22 on RC normally too.
vanquish
Legend
Silver Level
also for movie enthusiasts:
can you guys recommend me some movies that are really karma/revenge awesomeness oriented? e.g. inglorious basterds
like something i can watch and be like omfggg slowly boiling with rage at some injustice that the hero is/heroes are experiencing and then by the end i'm just blowing my load at how awesomely their situation turned around? another example i guess is count of monte cristo & law abiding citizen, which i've seen, but would enjoy any other suggestions
ty
can you guys recommend me some movies that are really karma/revenge awesomeness oriented? e.g. inglorious basterds
like something i can watch and be like omfggg slowly boiling with rage at some injustice that the hero is/heroes are experiencing and then by the end i'm just blowing my load at how awesomely their situation turned around? another example i guess is count of monte cristo & law abiding citizen, which i've seen, but would enjoy any other suggestions
ty
vanquish
Legend
Silver Level
thanks guise
also, lets speculate on each others' physiques:
WVH: same build as the guy from king of the hill, so not fat, but not muscular, sorta neithere here nor there
deuces: 6'2 180, relatively big upper body, really skinny legs, not fat overall, 7.3/10
acky: 6'0 175, good looking, good abs, pretty strong arms, legs, neck somewhat skinny, terrible teeth tho
hackmeplz: 5'3, 115 asian gymnast
vanquish: 8'6, 2280, made out of steel + tungsten alloy, capable of destroying a small country w/ piercing gaze from glorious blue eyes, 11/10
jagsti: same build as heisenberg, instead of goatee has ridiculous handlebar moustache, likes to wear frilly hats when he's not at work, wears a navy blazer in public
belgo: looks exactly like david benyamine
also, lets speculate on each others' physiques:
WVH: same build as the guy from king of the hill, so not fat, but not muscular, sorta neithere here nor there
deuces: 6'2 180, relatively big upper body, really skinny legs, not fat overall, 7.3/10
acky: 6'0 175, good looking, good abs, pretty strong arms, legs, neck somewhat skinny, terrible teeth tho
hackmeplz: 5'3, 115 asian gymnast
vanquish: 8'6, 2280, made out of steel + tungsten alloy, capable of destroying a small country w/ piercing gaze from glorious blue eyes, 11/10
jagsti: same build as heisenberg, instead of goatee has ridiculous handlebar moustache, likes to wear frilly hats when he's not at work, wears a navy blazer in public
belgo: looks exactly like david benyamine
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