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Screw U: The Next Bubble May Be Higher Education
Actually I am a little off, B was speaking of straight default, while I was speaking of those that tried discharge thru BK..........The default rate used by the gov is called the "co-hort" rate, and it only counts the first two years out of college, of which it takes 9 months for a loan to default, so the time period is even less than 2 years, then they stop counting defaults all together, like many numbers the gov uses (like unemployment) the number is totally gamed and obviously manipulated.....the true default rate is the number of loans not fully repaid, and that I would wager is currently over 50%....— August 5, 2012 10:55 p.m.
Screw U: The Next Bubble May Be Higher Education
LOL...that woud be something.— August 5, 2012 10:51 p.m.
Volquez Falters, Mets Beat Padres
BB= base on balls???— August 5, 2012 5:53 p.m.
Screw U: The Next Bubble May Be Higher Education
And poor student loan debtors should not be scammed by the gov and their cronies like Al Lord of SLM, so he can build an ***18 hole private golf course in his backyard.*** http://zaetsch.blogspot.com/2009/04/more-albert-l…— August 5, 2012 4:58 p.m.
Screw U: The Next Bubble May Be Higher Education
BTW- I agree the gov should get out of these programs, or at the very least treat them like everyone else. Don, you are correct, the gov is not equipped with the brainpower or management skils to effectively run large programs.— August 5, 2012 3:21 p.m.
Screw U: The Next Bubble May Be Higher Education
B-your newspaper article cites to no authority for those default rates-and I can guarantee you the number is FAR off base. I am going to link you to one of the most extensively researched and authenticated law review article/s there is on student loan data-from John Pottow at the University of Michigan whom I have spoken to on multiple occassions about the default rate and other issues, P. 266, first paragraph; **The fatal problem is that there are no compelling empirical data to buttress the myth that students defraud creditors any more than other debtors.88 Thus hard fraud becomes difficult to take to heart as the theoretical foundation of the non-dischargeability rule.* In fact, as mentioned earlier, the seminal General Accounting Office study from the 1970s indicated a lower than 1% bankruptcy rate for student debtors*.89 Furthermore, as also mentioned earlier, a special rule for student loan fraud does not even make sense; it is redundant with the general anti-fraud injunction of § 523(a)(2), and there has been no documented infirmity with § 523(a)(2) as a mechanism to police fraudulently incurred debt.** You can download Professor Pottow's law review article here, the numbers 88 and 89 above are the footnotes citing the legal authority for the data used; http://papers.ssrn.com/sol3/papers.cfm?abstract_i…— August 5, 2012 3:18 p.m.
Screw U: The Next Bubble May Be Higher Education
Except a large portion of that so called trillion dollar debt is bogus fees. costs and other fraudulent charges. The principle actually borrowed is probably 1/3 of that......I agree it should not be forgiven, but it should be no different than any other type of debt, subject tot he same laws and protections.— August 5, 2012 2:03 p.m.
Screw U: The Next Bubble May Be Higher Education
Scalia, whom I usual do not agree with but usually respect b/c his opinions are well written and supported, really crossed over the line in the Obama Care case, he personally attacked the POTUS in his descent. I have never seen that in 200+ years of SCOTUS opinions......he has really tarnished his legacy with that one intemperate opinion, which it too bad.— August 5, 2012 2 p.m.
Screw U: The Next Bubble May Be Higher Education
Lets hope they turn out better than Stockton's POB's.— August 5, 2012 1:56 p.m.
Screw U: The Next Bubble May Be Higher Education
They put all the unconstitutional laws in place that made student loans immune from all contract law-based on the claims that there were large numbers of grads, many in the professional areas like law and medicine, who were intentionally discharging their student loans in BK right out of college, so the claimed the need from Congress to put in all of these scams like no Statute of limitations, automatic 35% of loan balance added to a default, no court action needed to attach property and wages......it was all based on fraudulent claims of grads not paying-all false.— August 5, 2012 12:59 a.m.