Refinance

The Truth About Student Loans





Student loans for a college education are cement boots on the feet of drowning youth—student debt is crushing the dreams of today’s youth. But like everything, there is a reason that they are destroying the future of the youth of the US and the UK.

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50 comments

  1. I made a reply of sorts to this here: https://youtu.be/rFyff6myiMM

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  2. The man is soo right..my teachers didn't care about teaching me. They all talking about their families instead of teaching. Except maybe one or two.

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  3. I cannot agree more.

    Luckily I studied STEM for free in Germany, am debt free (luckily I was not suckered by those university rankings. Our course in many domains was much harder than even what is taught at MIT and Stanford), work most of the time from home (40 hours a week), travelled to 14 countries, speak 4 languages, worked at KFC, Amazon packaging, park places, companies for 3 different countries, earn well (over $75k), have plenty of savings (over $100k), under 30, have friends from all around the world, understand how people work in different cultures.

    I find it extremely idiotic of people who go to Ivy league schools for doing MBA, for $200k, for those so called networking opportunities, and their skills are laughable. All they have to show for themselves is a piece of paper, asking for affirmation of the society that they are smart, a pile of debt, a misery of social life, ignorance of real life, and a pretentious attitude.

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  4. True

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  5. I'm a nursing student and I was planning to take student loans. Base on what this guy saying about STEM careers, this STEM careers are guarantee that I am able paying off my students loan debt. Because I am a nursing, in the United States, I will never worry that I won't find a job unless I gotta go back to school to specialized in my field of study.

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  6. I spend a lot of time watching videos like these. Although I feel sorry for these people that get into trouble, not just with student loans, but debt in general, there is a lot of satisfaction watching this happen. When I graduated high school in 1991 I wasn't stupid enough to take on debt to go to college. I had just watched my mom become disabled. While she was in the hospital for several months I got to deal with the credit card companies calling 24 hours a day. Back then there were no restrictions on the amount of harassment they could do. After working for several years at a radio station after HS I took a job as a kitchen worker/cook at a construction camp on the Alaska pipeline. The employer provides room an board. Here I am 23 years later still at the same job as the night manager/breakfast cook. My net worth today is well over $1 million. I educated myself in finance and put it to real use. I'm 45 today and can retire. In fact I tell people all the time that I am retired now. I work because I want to, not because I have to. Those that are stupid enough to take on student loan debt, and debt in general are the very same people who look down on me and think I'm a looser because I work in a kitchen, been at the same job for a quarter century and enjoy it. So while I feel sorry for these college educated idiots at the same time I love sticking it to them by telling them that at the end of the day, those with the highest net worth are the winners. They don't understand that right out of high school I stepped onto the first rung of the economic ladder. They started digging an 8 foot hole in front of that same ladder. Whose the smarter one? I would submit that the dumb cook with no debt, who is self educated is superior to most college educated idiots. So the next time you are served or encounter someone who you think is beneath you, think again. That person could be worth more then you ever will. Education and success is not about a degree or the type of job you have, its about your place on the economic ladder. It's really that simple.

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  7. If you want to know why SJWs and others of their ilk own the universities and are never shut down or thrown out? This is why. Because they make the most noise and university administrators want to keep their customers happy.

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  8. Drexel univeristy 2011: tuition = $31,000

    2017 = $47,000

    How high can it go before people stop borrowing money to do it?
    -Drexel keeps asking for donations?!?
    -Operators at my job with no degree earn more than the engineers.

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  9. Thank you for exposing this scam. I have long been saying this but seems like lot of people are yet to wake up to this scam game!

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  10. For every 1 teacher that actually teaches there's about 5 or more just bullshitting around for a paycheck. The school system from Grade school to College is all FUBAR of any semblance of education.

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  11. Just Graduated College. Kids please take this guys wisdom very very seriously. It may not sound good because what society has indoctrinated us to believe, but it is the absolute TRUTH. I wish everyone saw this video as I sit here in resentment about how worthless my 'degree' is. I will say this though, the only real reason you should go to college is to NETWORK. That should be priority number one everything else is secondary to this. You will thank me later.

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  12. I from china and I approve this message.inter national student are here to be fucked by college financially.those lying fucker put some serous effort for advertising their campus.

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  13. I did the military first. Then went to college.

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  14. 2.5 years for a Philosophy Degree at a cheap Cal-State put me back $45,000. I didn't exactly live it up either, spend 2 of those semesters sleeping in my car. No prospects after college. Got lucky I ended up working with computers, but I could have started that at 18 rather than 28 and had a house, kids and vacations by now instead of $200/month deducted from my paychecks just to maintain the interest.

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  15. you'd be doing your videos even if you had only say 100 viewers per vid? You don't give a fuck what others think about you? Shut the fuck up. you'r right on students loans and academic corruption that derives from misuse of the business model to education, but you've got some narcissist delusions of grandeur, you petty hypocrite. Get red pilled about yourself first before starting to coach others.

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  16. I disagree somewhat. I feel like that student debt was specifically manufactured bc they knew the young generation didn’t have a big interest in starting families and buying houses and they needed some debt to bind them to the system

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  17. Meh. I joined a fraternity in college and the experiences from that alone were worth it. Never used my degree, but man I had fun. Would do it again.

    My dad used to have a saying. Universities are like whores. They take your money and then they screw you. He was right. It was fun though.

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  18. Ever notice the liberal arts teachers are the same people that strongly advocate against capitalism? I'm convinced there's a level of, and this may well just be on accident, that they create monetary complacency in the younger generations. If they convince teenagers their money isn't important, then they will not be wary of misusing it, and thusly not be cautious of taking large loans.

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  19. Tough fatherly advice. TOUGH. LOVE. haha

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  20. you are a fucking simp!!!!!!!!!!

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  21. I went to college for Graphic Design. Bad idea, even though I got out with no student loans. I would have been better off learning online with classes on Udemy or Skillshare. Not to knock my professors, they were great, but I feel like I would be so much farther along had I not postponed for 4 years.

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  22. How big is an average student loan debt in the US in STEM vs in Liberal Arts/Useless Degrees?

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  23. Thanks!! 😀

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  24. In my country I knew college was bs, so I dropped out and moved to Australia for better education. That was a big mistake, it's the same shit with more workload, and a big stick price. I can't dropped out again because my parent are paying, but definitively I won't do master like my parents want me to do. When I have kids, they will be home schooling.

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  25. You're right about STEM. I went through what we referred to as "engineering boot camp." I learned a lot.

    However, I had the foresight to start my academic career at a local community college to save money. It was a brilliant move on my part. I graduated with no student debt and had an engineering degree from an accredited university.

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  26. Im going for a BS in business finance to do business law. Is it worth it?

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  27. are you gonna redpill the audience about Russia, Putin, Ukraine etc?

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  28. Can you make a video as follow up of sorts on teaching English abroad?

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  29. Here is my 2nd reply to this with more detail on Liberal Arts degrees in particular:

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  30. I completely agree..thats why im glad i didnt go to college.. and i taught myself to start my own internet business

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  31. I go to college but it's almost free here in Belgium so it would be stupid not to do it.

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  32. Banks have largely removed themselves from the student lending arena (but for one recent, brilliant move). The government now issues almost all student loans. The government benefits because the rate of default is relatively low (interest in absurd, relatively speaking) and the colleges and universities benefit because the programs they offer are a scam. They do not adjust enrollment based on the economy or saturation in a particular field. For example, an education program. Regardless of the number of folks in the region with a degree and no job (especially by me in NY), they continue to accept and enroll more and more students. Then, tuition increases each year. AND – solicitations for donations are at an all time high. Higher education is a fucking joke and they really need to be held accountable. The education sucks, the degrees have been made worthless and now, ANYONE can (and does) go to college. We need to revert back to the days where people learn skills. College isn't for everyone so let's stop sending idiots.

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  33. Could you do a video about how you came up with your past business ideas and turned them into a reality? I'm genuinely curious how you grew 7-figure businesses before the age of the internet.

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  34. Here in Czech Republic, university education is free. Most students drop out in their first semester or get kicked out for failing to meet the standards.

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  35. Blame Blair

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  36. Had a buddy tell me at dinner this week that he had just finished paying off his student loans and now he is at a $0 net worth. He has been living with his parents rent free for 4 years. He is 34.5 years old. This is a somewhat extreme situation, but I feel comfortable saying do not go to college unless you have a scholarship.

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  37. I don't know why ppl keep arguing for bankruptcy discharging student loans, in the 80s this was still the case but you usually had doctors claiming bankruptcy with 6 figure debt right out of med school and making 200k in 3-4 years time

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  38. For most things, yes, I certainly agree that they are just cash cows (literature, religion etc.). However, STEM isn't quite as bad. For instance, in my subject, computer science, we started with around 300 people. Now, one year later, we have about 130, and I know for certain that a good chunk dropped out because they got grades that were too low to go on and switched to more normie subjects, a few even outright left. I am not sure if it is testament to how retarded students are or how difficult the course is (a mix of both I suspect, since many students are,frankly, retards , but it does have a 100% employment rate in grad level jobs), but I think considering the drop I don't think they are dragging people along that much. From what I have heard natural sciences and mathematics are very similar too.

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  39. Feels good being a student in Scotland. No tuition fees/low tuition fees.

    (I know Scotland has other issues, but this big one won't be an issue to me)

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  40. sry i missed this one before seeing AA's response. it was the same old stupid justification any "ïnterlectual" will give to sell their profession. and he convinced me, if schools are that good at selling himself thei dont need state funding(state enforced loans) anymore, lets see how good their puppet show runs on its own merits.

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  41. Wops someone's got your number mate https://youtu.be/rFyff6myiMM

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  42. Tone down the swearing coach, you don't need it, your argument stands on its own. Love you man

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  43. Don't encourage people to teach ESL. It's almost always a horrible, scarring experience.

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  44. You can be a tool, as you were on Tara's show to faggot Falk, but you're otherwise too wise to ignore.

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  45. Academic rigor, is a thing of the past. This is fairly obvious when you see today's graduates who believe that because they have that piece if paper they are superior beings,. This was most obvious in the reaction to the Brexit vote, when older voters, who never had the opportunity to go to university and younger people who had the sense not to go, were castigated as ill-educated. Educated in what? Common sense trumps a degree anytime. The best employees are 18 year olds who have the qualifications to go to university but opt for work place training.

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  46. A lot of broke hoes have Liberal arts and Women studies degrees. I always stay away from single moms and broke hoes with worthless degrees.

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  47. Why would someone pay $50k to read 36 books that are declining in quality across time?

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  48. Well put. On my part I can say that in countries where higher education is publicized it's not all that different, the debt just goes through a different channel, it's publicized and people just get the illusion of good education. The professors aren't better either as they are all just going through the motions till they get tenure (quite easy) and then they just sit around, scratch their asses and barely teach anything. The only good part is not being stuck with debt, but still trashy education.

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  49. don't listen to this guy don't worry, your "lesbian dance transgender degree" will bring you happiness!!!

    , LOL

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  50. I remember when I was going into a programming degree back in the 90s. I spend a summer as a paid summer student in a job where they had me develop a database program for them. Didn't know squat but after reading one book over the weekend, I had it up and running in a week. My manager wasn't pleased, since SHE had graduated from the same degree, in her infinite knowledge my database shouldn't be actually working, she couldn't see how the dependency layout could possibly work. Well I figured they were just trying to use me and take the credit for herself.

    A few years later I got around to the database creation and management course and as a final project I submitted my old job database, with the obvious changes to titles but not design. Well, it was obvious I knew what I was doing when I was graded an A- on it. In fact, a lot of my education that I enjoyed was based on reading a bit and snoring off in class, not doing assignments yet still getting high marks on exams. Heck, I was critically ill whit either whooping cough or the croop for a whole semester, missing almost all my classes and got the highest grades I ever could have in University.

    Skip school, read a book! Now, how to convince your employers your value without a degree in the indoctrinated world where the government holds the idea of buying a degree as a bullet to your head for employment.

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