/r/moderatepolitics
This is NOT a politically moderate subreddit! It IS a political subreddit for moderately expressed opinions and civil discourse. If you are looking for civility, moderation and tolerance come on in!
Started by u/sockthepuppetry in 2011, this subreddit is still a place where redditors of differing opinions come together, respectfully disagree, and follow reddiquette (upvote valid points even if you disagree). Republicans, Libertarians, Democrats, Socialists, Christians, Muslims, Jews, or Atheists, Redditors of all backgrounds are welcome!
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Weekend General Discussion - November 29, 2024
Hello everyone, and welcome to the weekly General Discussion thread. Many of you are looking for an informal place (besides Discord) to discuss non-political topics that would otherwise not be allowed in this community. Well... ask, and ye shall receive.
General Discussion threads will be posted every Friday and stickied for the duration of the weekend.
Law 0 is suspended. All other community rules still apply.
As a reminder, the intent of these threads are for *casual discussion* with your fellow users so we can bridge the political divide. Comments arguing over individual moderation actions or attacking individual users are *not* allowed.
14:30 UTC
Would getting rid of guaranteed student loans be the solution?
There's a lot of reasons for why college costs so much especially compared to the past, but why wouldn't the universities raise the prices as much as possible, there's no incentive for them not to. They raise the prices, the loans the government gives out goes up to match and they raise the prices and the loans go up to match and the cycle just goes on on and on.
Now in case someone misinterprets me, student loans would still exist, they just wouldn't be guaranteed.
Essentially it would be treated like a real loan and based on factors like your ability to pay it back in a reasonable amount of time, your current grades in high school. Now there would be one benefit, because the loan is not guaranteed and works just like any other loan. It should be bankruptible.
Take my situation for example, I got my basics at community college because even as a high school student I knew about the horror stories of insane loans and thanks to that my community college education means I had no debt at all and my GPA was high as well. Then I applied to a cheap local university and I did end up having to take a loan but not an insane one. I owed like 4 grand by the end of it. In this situation under this system, I still would have been eligible for that loan and based on my factors like employment, grades and chances to pay it back I would have gotten the loan.
Anyway since every mediocre high school student can't get into those super expensive universities, those universities and all universities are going to have to adjust their prices and probably get rid of their unnecessary administrative bloat. Maybe hire more professors instead, what a concept right?
Now scholarships and stuff would still exist I guess if an elite school really wants talented individuals from poor backgrounds.
There's probably more factors at play but making students loans not guaranteed and having it work like a real loan and with that allowing it to be bankruptible would seem like a good idea.
21:45 UTC