So here's a topic , going on in America right now: student loan forgiveness, which basically is a push to pass a bill cancel out student debt. Below is a copy paste from facebook , my thoughts on the topic, that I posted in response to someone's post, there, after they compared it to being a "right", just like getting treatment for a sickness is a "right" .
What are your thoughts?
Ok I'm gonna be the punching bag, here.... First of all, the Kimberly Harris quote above is basically comparing two things that are polar opposites: education and sickness . People make a choice to get a college education, and we do not choose to get sick-- that happens without our say in the matter, so yes, we should have cures for illnesses .
For the education debt, that is a financial burden you choose to take on, just like buying a house or a car-- there's no debt forgiveness for those , are there? How about every other purchase we make ?
Where is this student loan forgiveness money going to come from ? From everyone that pays taxes -- you and me. Sorry , but I've already paid for 3 higher education degrees IN CASH with no loans . I paid for my own Batchelors degree back in the 1980's by working 2 jobs while going to school, and I paid for my daughter's Batchelors and Masters , again while working 2 jobs, as an adult. She and I are both debt free, and it can be done .
So here's what I think should actually be done: lower the cost of education so it's actually more within reach and doable to pay for. Each course shouldn't cost between $2000-4000 dollars, especially for an online independent study class , then all the fluff fees added on. Yes, the schools need to make their money , but a lot of it doesn't even go to the classrooms. I taught at a college for 8 years as an instructor for lab tech students and we had to beg for cash to buy basic lab supplies, get our own outside grants, and use expired reagents & donated leftovers from the regional hospitals . I certainly didn't see any of the $2000-4000 course fee money in my adjunct paycheck , but it was enough to help pay for my daughter's own overpriced courses. Example : one of the annual courses I taught was a clinical practicum, off campus at regional hospitals. Each student paid about 2K for each rotation as we call them , so for 9 students, that's 18K the college earns for a class not even held on campus . My contract for that was about $1200 before taxes , so where's the rest of the $16,800 going ?
Yes, we need higher education but affordably so. I propose that instead of total debt forgiveness at the expense of the taxpayer, there should be a partial percentage forgiveness at the expense of the colleges that overcharged the students in the first place -- make a law that says they have to redo their fee system, to something realistically affordable , then make it retroactive for X- number of years, and start giving out refunds to students. I'll bet that will cancel a good chunk of their debt, and the rest they can pay themselves because they made a choice to make that purchase ..
I won't say much on the specifics of this issue. As I see it, student loans should be paid back just like any other debt. Future tuition "could" be paid through federal taxes., but that presents many inherent problems..In the past, the resistance against this federal payment has usually come from Universities. With government money, comes government requirements, something the controlling hierarchies in the scholastic system don't want. Currently, schools are able to make decisions right or wrong, with little consequence. Money that comes into the school is used however without government oversight or regulations. In fact, universities are able to autonomously act and manipulate at will. Government funding and with it government regulations have been the norm in more socialistic countries. I don't trust universities to do the "right" thing for students. I also don't trust Congress to do anything "right" for students or the country. Separation of government and church has shown to be the best for freedom of religion. Separation of federal government and education has allowed great and terrible schools to exist. I tend towards as much private industry separate from government intrusions and regulations as possible. That is the America experiment. It is the benefit of freedom and the price we pay for freedom. Elected education beyond the already tax payer provided 12 years is the adult student's decision. The cost is theirs. Entitlement philosophy is a weak dogma that makes for weak people. Being coddled and given everything is a sure fire way to create a failure of a person. That certainly applies to adult students that will have to pay for everything else in life after graduation regardless...