Apparently men have figured out that it’s not worth going into a lot of debt to be told that you’re what’s wrong with the world:
Men are abandoning higher education in such numbers that they now trail female college students by record levels.
At the close of the 2020-21 academic year, women made up 59.5% of college students, an all-time high, and men 40.5%, according to enrollment data from the National Student Clearinghouse, a nonprofit research group. U.S. colleges and universities had 1.5 million fewer students compared with five years ago, and men accounted for 71% of the decline.
Now that the STEM stuff like math, physics, engineering and medicine are going woke with realty has taken a bad seat to ideology the cost benefit analysis will make even more men think twice.
But have no fear. Trade schools are still there and haven’t reached the point of wokeness and men who go into heating, plumbing, welding carpentry and electrical work, none of which need a degree will discover that they will be able to name their own price when highly educated woke folk with degrees on their wall need anything
We tend to get the government we deserve. This week a lot of people were wondering what they did to deserve this. The answer is simple: When the last election was stolen you went along with it.
So enjoy the $5 gas, the debacle in Afghanistan, the open borders, the crime and the terror attacks to come because all of these things we collectively as Americans have richly earned.
A lot of people are wondering how the people responsible for Afghanistan live with themselves. That’s easy. When you become a post Christian society then loving your neighbor as yourself is no longer a priority, nor is truth, nor is the common good.
All of these thing were stressed in Christianity and it amazes me that folks are shocked that without it they disappear.
Speaking of shocks I’d like to say I was shocked by the behavior of Mets players going after the fans for daring to boo them after their 3 1/2 game lead became a 7 game deficit in a month.
While ownership is unhappy the players have figured out that even if they lose a percentage of the fans it won’t be enough to keep them from making a nice enough living so they will never have to live like the fans they despise unless they do something stupid with their cash.
Milo Yiannopoulos is very sick with COIVD and is using Ivermectin to counter it. He may or may not make it. If he doesn’t it will delight a lot of his enemies but will disgust the great enemy as he has already moved away from his clutches. If he does make his enemies on the left will be upset and the great enemy will still have hope, but the way things are going it seems to me much more likely that if he makes it he’ll help grab a lot of souls out of his clutches.
I wish him the best either way.
Finally you’ve likely noticed a few odd posts here. That’s because I’ve decided it’s better to have the occasional sponsored post to generate revenue that ads or banners that slow down the site. In the end the hosting and the writers need to be paid for and if people are willing to pay for a post (as long as it doesn’t violate my basic guidelines) I’m going to take their money.
You’ve tried everything to pay off your credit card debt, but nothing’s working. Those high interest rates, for one, are keeping you from eating into your principal. But you do have a student loan coming, and the thought occurs: can you use student loans to pay off credit cards? Good question.
Let’s see.
The Issue
You’re supposed to use student loans to defray or pay the cost of your higher education. Still, it’s understandable to consider whether you can use the cash for other stuff, like erasing credit card obligations.
The bad news is that it just isn’t wise to tap your student loan to pay off your plastic. Why? Well, for one thing, what happens if you don’t have enough funds to cover your education? Will you have to take out another loan? And get in even more debt? You can see where this is going. What’s more, there may be restrictions on what you’re able to do with the student loan.
There are things you should know and do before seriously considering funneling your funds to your debt instead of that Ancient Civilization 101 textbook.
See What Your Loan Agreement Says
As per the Department of Education, your loan is supposed to go toward “educational expenses.” In addition to tuition and room and board, those expenses include books, equipment such as computers, school transportation and childcare costs.
Darn, right? But wait. If you charge any of those expenses on a credit card, you could ostensibly use your loan to pay them off. The rub, though, is that if you have other, personal expenses mingled with your school expenses, you’re paying for those ineligible expenses as well.
If you have a private student loan, though, how you can use that cash is up to the lender. That’s where your loan agreement comes in, so be sure to read the fine print. Don’t expect any major departures from federal loan guidelines, however.
Don’t Depend on Bankruptcy
It’s nearly impossible to have your student loan debt taken care of through bankruptcy, giving you an additional reason to not use your loan to clear your credit card obligations. What makes it so challenging is that the burden is on you to prove that the loans have strained your finances – a difficult task even if your payments are difficult to manage. Credit debt relief can be messy, but it’s doable.
Note that you CAN discharge credit card debt in bankruptcy. But even if you expect no issues handling future debts, you don’t want to set yourself up for something you’ll be sorry for later.
Using Your Student Loan to Pay Off Cards Could Squeeze Your Finances Later
If you have the option to put off student loan payments until school is done, that makes using your loan for credit card debt enticing. We get it, particularly since such loans have relatively low interest rates.
However, mixing your credit card debt in with your school debt could put you in a financial mess once school is done. And that’s no way to start your life’s next chapter.
What Are My Options Then?
If you’re in college and have trouble paying your credit cards, the first thing you should do is cease using plastic until you can get a handle on things. You also might want to figure out a way to bring in more cash. Then, you should consider getting rid of your highest-interest debts first, while monitoring your credit scores.
So, can you use student loans to pay off credit cards? You may be able to get away with it – in the short term. But is it a good idea? Nope. There are other ways to handle credit card debt that won’t hamstring you in the long run.
The last 10 months from the steal of the election to the dishonorable debacle in Afghanistan I’ve really been in despair concerning the state of my country that my sons will be inheriting.
And then I saw this:
a lot of people make a lot of money on the race racket. This man isn’t one of them and the best part of his speech at the local school board is that it made a difference:
This Colorado Springs father denounces critical race theory and says that "racism in America would be dead today if not for certain people and institutions keeping it on life support"—including public education.
The good news is this shows that the Race racket in general and Critical race theory can be beaten at the local level ie people stand up to fight and refused to be played. He understand that the most dangerous thing to a person’s success is an excuse to fail.
The bad news is that even after this speech Critical Race Theory was beaten by one vote.
As long as there are financial incentives for the race racket there will be people playing the race card but local action can trump it but only if people are willing to fight.
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