Post: #1

B-b-b-but surely betas will marry these aging spinsters and service their mortgage-sized student loans and their high maintenance lifestyles am I right? Guys!?

Quote:Are you a college-educated woman who is being buried under a pile of student loan debt that devours your paychecks and gives you heart palpitations at 2:30 a.m.? Well, take heart -- at least you’re not alone!


According to a depressing new report released this week by the American Association of University Women, women hold nearly two-thirds of this country’s student debt ― or a whopping $833 billion in outstanding loans. (And that’s probably a low-ball estimate, because the report doesn’t capture women who enroll and take on a whole lot of debt but don’t graduate.)

Oh, and female graduates also have a significantly harder time paying those loans off ― making it clear that the student loan crisis is now most definitely a women’s issue.

“Time spent in college now sometimes means unmanageable student debt that drags down those seeking greater opportunity, especially low-income women, women of color, and women who drop out before completing a degree or credential,” Patricia Fae Hoe, board chair of the AAUW ― an advocacy and research group ― wrote in a forward to the report.


So why are women hit hardest by student loan debt? First, it’s because women are simply more likely to go to college. In 2016, 56 percent of people enrolled in colleges and universities were women.

But women also tend to take on larger loans to finance that education.

“In a given year about 44 percent of women enrolled in undergraduate programs take out loans compared to 39 percent of men,” the report says. “Women enrolled in undergraduate programs take on an average of about $3,100 in student loans per year—about $400 more than the average man. By graduation the typical woman receiving a bachelor’s degree in 2011-12 had an average of about $21,000 in student loans, $1,500 more than the typical man.”

The reasons behind that are complex. Men are more likely to attend public institutions, which cost less, so that’s definitely one factor. But even when women attend public schools, they still tend to take on larger loans. And that is in part because the gender pay gap is already working its evil magic. Male and female students are just as likely to work while they’re in college, but women generally earn about $1,500 less per year ― a difference that is not totally explained by a difference in the number of hours they work, the report argues.

Unfortunately, black women are hit particularly hard by all of this. Roughly a third of black women who got a bachelor’s degree in 2011-2012 left with more than $40,000 in student loan debt, versus just 16 percent of Latina women, 10 percent of white women and 8 percent of Asian-American women.

And overall, women of all races and ethnicities take longer than men to pay off their loans ― thanks (yes, again) in large part to the persistent gender pay gap, which means they tend to earn less than men throughout their careers, even after spending all that money on an education.

“Women with a bachelor’s degree who worked full time in 2016 earned 26 percent less than men with a bachelor’s degree who worked full time, or $354 less per week,” the report says.

Add all this to the long list of things that suck about being a woman in 2017.

http://m.huffingtonpost.com.au/entry/wom...0cc020cc61

Post: #2

If you are having a hard time paying off your Fashion Degree you spent $50,000 on, it's not because you're an idiot who wasted time and money on a worthless degree, it's obviously because "the gender pay gap is already working it's evil magic..."

Post: #3

What a joke. So there is a gender pay gap when a make teen and female teen sweat it out at McDonalds? How about how most young men can't get the more lucrative serving jobs which by default is given to women who can push sales (and get more tips).

The truth is men typically start working before womwn do. For young Joe who understands he can only get laid if he has a car with a comfy back seat to bone Becky in he is more likely to work shitty jobs quite young and start to accumulate some savings to get that car. For Becky, as a young woman she has been given goodies from her father or men and does not see the need to accumulate much income.

I can speak for myself in saying I started working my first job at 12, at 15 I was working in shitty restaurants and had a job tearing down event stages also. I remember one kid at my HS who I played football with worked two jobs so he could afford his tricked out Integera; he had to drop football as work was to much for him but this guy would work almost everyday after class just to afford his car.

Also, the article leaves our grants and scholarships which are largely attained by women. Women will get these money gifts on top of loans but yet still manage to rack up more debt.

The also big truth left out is that this generation of women who are on track to remain single with cats, this has lots of weight. Before a woman's debt more times than not would get absorbed by the man in a marriage. He would take it in himself on to his books or just pay it off for her. A woman, marrying up, would have more options to make this happen. So for many women in the last generation this was common place and not out of the ordinary. Now, that women more and more are single they have nobody to bail them out. This explains the stats on black women also as they just tend to be single in larger ratios and also more times than not don't come from the stable family support systems that can also offer a avenue for bailouts.

What we will likely see though is that Govt come in to rescue women. If this narrative builds as student debt being a "woman's issue" watch manginas all around try to croak that we need to rescue these women from debt prison they all sit in.

Lastly, men are just more aggressive in getting problems fixed. Women maybe are more mindful of money systems but they care nothing for spending and debt. Men will be much more willing to suck it up for 4 years and work hard as hell like a mule to pay off the debt. Oil rigs, high pressure sales jobs with fat commission, side hustles, etc. If the debt is seen as a burden to his mobility men will more than not think of a plan or scheme to overcome it. Women just sit and wait, maybe more prudent in keeping up with minimal payments and such, but much more slow and stone handed at paying down the principal; simply just waiting for the rich man to come save them. Always.

Post: #4

Once again, women need to be saved from the consequences of their own decisions.

Quote:Male and female students are just as likely to work while they’re in college, but women generally earn about $1,500 less per year ― a difference that is not totally explained by a difference in the number of hours they work, the report argues.

I can explain it: look at the occupations men choose vs the ones women choose; then look at which ones pay more.

Men did not push women into higher education, women pushed for that themselves.

Men are also not the ones forcing them to choose useless majors.

Men are not the ones devaluing degrees by turning college into a giant hug-box of safe spaces.

Men are not the ones pushing for Title IX, diversity officers, sensitivity training and all of the other administrative overhead that women have deemed necessary for colleges to have.

Post: #5

In this case the plight of our enemy (feminists not women) can be used to finally do something about the financial scam that is the student loan industry.

Post: #6

It's not their fault.

It's because of the wage gap.

Women still earn $0.80 for every dollar a man earns.

Obama said so.

Post: #7

I bathe in female tears.

Post: #8

Guess this goes without saying that sending women to college looks to be a waste of money!

Post: #9

Wait, women's studies isn't in high demand? It's not a productive field?

Are you saying having knowledge about women is less productive than fixing plumbing or electrical? Or building buildings? Or pouring the concrete for my new driveway?

Post: #10

The only respectable women are in business and STEM fields.

With that being said, how many get into their field only to get married and become a stay at home mom or part time worker ? I'd like the stats on that.

The pay gap is such a bullshit myth also - not to mention multi faceted.

Granted I'll probably never get married but, if I do, you know damn well I'm looking at her credit and debt.


Choose stupid fields of study, win stupid prizes.

Noone put a gun to a person's head to go to college.


I never got my masters because I know it wouldn't have a great ROI right now.

It's common fucking sense.

Post: #11

(05-25-2017 11:50 AM)kaotic Wrote:  The only respectable women are in business and STEM fields.

Post: #12

(05-25-2017 12:30 PM)TigerMandingo Wrote:  

(05-25-2017 11:50 AM)kaotic Wrote:  The only respectable women are in business and STEM fields.

I was waiting for someone to pick up on that

Post: #13

In medicine the gnashing of teeth that occurs when you bring up honestly the subject that women are 0.7 productive as men as physicians is astounding. These are the people that supposedly are interested in "public policy" too. You graduate >50% women from med schools, talk about how medicare funds medical training, will there be enough physicians etc. --- and how after finishing long, arduous training, think of it! --- women choose to go part time. And they get mad at people for bringing up the obvious.

Reality bites.

Post: #14

So women are ruining the economy and politics?

What else is new

Post: #15

Since the majority of graduates are women now, then it makes sense.

Another point is that women study lower paid or nothing-paid fields, so they have trouble paying it back. Since men prefer to make careers out of their studies and predominantly study STEM or boring accounting gigs (which still pay), then they can also pay back the debt faster.

Women will take the debt to the grave or to the Beta Bux, but those Buxers are getting harder to nab.

Post: #16

So wait, let me get this right. Modern 'liberated' women:

• Spend most of their 30s and 40s riding the cock carousel and thus have been rendered incapable of forming lifelong bonds with high value hard working men.
• Have been trained since childhood to despise most men and thus accuse them of male privilege at every opportunity.
• Initiate 2/3rds of all divorces.
• Don't want to have children and spend their attention on cats and dogs instead.
• Don't want to clean or cook a decent meal.
• Usually start getting fat right after marriage.
• Have destroyed most Western countries by consistently voting for socialist candidates.
• Are in debt up to their ears after spending their most fertile years on some useless college degree.
  

Geezzz - how could I ever pass them up?

Post: #17

Given the increase of the mainstream media's attention to the student loan bubble recently, does anyone else suspect that the general public is being primed for a trillion dollar student loan bailout pitch?

They're trying to tug openly now on the manipulate-me strings of the blue-pill/regressive leftist world by: 1) Pointing out females hold the majority of the debt-load; and 2) Once again hitting the other identity politics cliches: "Time spent in college now sometimes means unmanageable student debt that drags down those seeking greater opportunity, especially low-income women, women of color, and women who drop out before completing a degree or credential".

Maybe those people should have picked better majors?

As is typical, the taxpaying public, the high contributors to whom are disproportionately male (and incidentally who appear to have made better choices with respect to college debt levels) will at some point be told by the elitists to bail out women for their emotional behaviour. Then the whole cycle can start all over again.

I do have some sympathy for young people caught up in the modern-day Ponzi scheme of the US student loan bubble. But only a bit.

Research your majors. See what types of jobs you can get and what they pay. Now do a cost-benefit analysis as to whether borrowing $50-100k is worth it for the kind of job you can expect to get. Perhaps even analyze whether university is right for you compared to other opportunities and how they might pay off? Also realize that the second the government guarantees something the price of it skyrockets (we know this well in Canada). That's the kind of analysis an adult would do, which is what most people taking out huge student loans are - ADULTS.

The people who borrowed the money got use of it (even if it was for a overpriced product of dubious utility). That's buyer beware. That's reality.

End of rant.

Post: #18

The increasing amount of women that go to pointless schools like university of phoenix or Remington college is a big problem.

Borrowing 45 grand to get an associates degree that qualifies you to change catheter bags for 1500 a month is just a strange idea to me. But they do it.

Aloha!

Post: #19

No one will bail out anyone here. We are not talking about Wallstreet here. The serfs don't matter. At best they get a long-term payment plan and can pay back until death. They will not give up on those student loans. This is different from the real estate excesses - they could have taken the properties and destroyed your credit (then turned around to the taxpayer and said that they need to make up the difference). Student loan is rock-solid and they protected it from bankruptcy - even if you are a meth addict at age 78, your student debt is the only one you cannot avoid.

Post: #20

The schadenfreude in this thread is seriously depressing.

First off, don't fall for Huffington Post's gender baiting. If they want an issue to be a "gender" issue, they'll make it one.

Second, we are talking about young people who are saddled with crippling levels of lifetime debt having done nothing more than what the adults in their life told them (Get a degree! Major in something that is your passion!! Finish the degree at all costs!!!). I have no idea how women in and of themselves caused this, but here we are mocking those who have been led to complete financial ruin before the age of 22.

"But I didn't take out student loans like those other idiots!"

Congratulations! The student loan industry is still a scam.

Post: #21

(05-26-2017 12:22 PM)2Wycked Wrote:  The schadenfreude in this thread is seriously depressing.

First off, don't fall for Huffington Post's gender baiting. If they want an issue to be a "gender" issue, they'll make it one.

Second, we are talking about young people who are saddled with crippling levels of lifetime debt having done nothing more than what the adults in their life told them (Get a degree! Major in something that is your passion!! Finish the degree at all costs!!!). I have no idea how women in and of themselves caused this, but here we are mocking how many of them have been led to complete financial ruin before the age of 22.

"But I didn't take out student loans like those other idiots!"

Congratulations! The student loan industry is still a scam.

2Wycked is right - we do not have to forget that the girls falling for this scam are not doing this out of some kind of divine intuition. They are also essentially the same girls that in the 1940s would have already been married and have kids, in fact they would be wanting to be married by age 22.




The main thing that changed was the brainwashing and the non-stop repetition of "having to get an education", "having it all", "enjoying the sex and the city nightlife", "enjoying the hooking up at college" etc.

We know that this does not make them happy and we also know that the debt incurred will cripple them for life, even if they happen to marry a Beta Bux who pays for it all.

For example I don't even blame the people for the mortgage crisis contrary to the commentators of CNBC. For fuck's sake they gave 500.000$ mortgage loans to homeless people and illegal immigrants who made 20.000$ per year. They threw away all rules of the book, no verification necessary. This also came from above and everyone was playing along for the money.

For example - if the FED suddenly decided to give everyone who asked for it 100.000$, but at 15% interest, how many people would take the cash? How many would think it through? There are things you cannot do.

What you also cannot allow is for 18yo men and women to make idiotic decisions like paying 60.000% for a gender-studies degree in a third-rate college. We have to tell them, that they would have to pay it all back and this would not be possible neither with the course nor the university.

But of course the reality is that the globalist sheisters want this to happen, they need the people to be off the job market for as long as possible, because the truth of the matter is that there are not enough qualified jobs for all the qualifications out there. Even if all of them tried to study something useful, then the jobs would not be there. It is just dancing on the Titanic and claiming that if you play louder, that it will go better.

We know that it is a scam, but many people don't. The reality is that the college debt bubble is a tragedy that will also end in tears.

Post: #22

I believe the solution starts with heavy auditing of any institution that accepts federal student loan funds. Schools have become bloated with bureaucracy as they have continually jacked up tuition and fees much faster than inflation, thanks to the availability of these funds.

Of course there's also this: priced in gold, the tuition at Yale is supposedly about the same as it was 100 years ago...

Post: #23

Called it:

(01-02-2017 10:29 PM)Excelsior Wrote:  I think we're all familiar with the nature of the student loan bubble and how it is preventing many young people from accessing the kind of socio-economic progress their parents did, but often lost in this topic is the gender aspect: student loans are sort of a feminist issue. More women go to college than men, so the massive increased debt loads we've seen placed on students in the last couple of decades have largely hit women more than men. Also, women are less common in the fields with the highest post-graduate incomes (ex: STEM), way more common in fields with very low post-graduate incomes, and tend to earn less than men after graduation for a multitude of reasons (career choice, hours worked, etc - these factors, not discrimination, account for 90%+ of the gender pay gap). This means women not only carry more debt than men, but have a harder time paying it off.

This trend a major fuel to the growth of the Sugar Baby market and the rise of TagYourSponsor-type behavior. It will only accelerate.

Post: #24

This shit is typical: I was recently chatting with a girl, a recent graduate, with a degree in sociology from an expensive university. She works in the field of "social work" and was looking to move to NYC soon.

Post: #25

(05-27-2017 04:43 PM)Excelsior Wrote:  Called it:

(01-02-2017 10:29 PM)Excelsior Wrote:  I think we're all familiar with the nature of the student loan bubble and how it is preventing many young people from accessing the kind of socio-economic progress their parents did, but often lost in this topic is the gender aspect: student loans are sort of a feminist issue. More women go to college than men, so the massive increased debt loads we've seen placed on students in the last couple of decades have largely hit women more than men. Also, women are less common in the fields with the highest post-graduate incomes (ex: STEM), way more common in fields with very low post-graduate incomes, and tend to earn less than men after graduation for a multitude of reasons (career choice, hours worked, etc - these factors, not discrimination, account for 90%+ of the gender pay gap). This means women not only carry more debt than men, but have a harder time paying it off.

This trend a major fuel to the growth of the Sugar Baby market and the rise of TagYourSponsor-type behaviour. It will only accelerate.

Before it was one man women would get resources from, then The Govt stepped in to give resources to women, now with the Govt running on fumes the next step is to revert to men but fragment by using multiple men at a time to provide resources.

So it is likely then some type of bailout will happen as when in modern history have we allowed women to suffer en masse?