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Don't call it 'student' debt
August 5th, 2014
11:29 AM ET

Don't call it 'student' debt

The first thing we need to do to get serious about student debt? Stop calling it "student debt."

"College debt" or "education debt" might work. Anything but student debt - because not just students but entire families are paying the cost of our broken system for funding higher education.

Case in point: The other day, one of the top stories on CNN.com was about two grieving parents who lost their child but are still stuck with her student loan bills.

This story represents so much about what is wrong with our system of financing higher education - not to mention our national priorities. Full story

Posted by
Filed under: CNN Opinion • economy • Student loans • Van Jones
soundoff (88 Responses)
  1. hmmmm

    If I am not mistaken, taking a student loan is...wait for it...VOLUNTARY. Choosing which school to spend it at is....wait for it...VOLUNTARY. So you expect me to feel sympathy for someone's choice to go to a college with a fancy name so they can pay 10 times more than another? Or maybe not do the smart thing and go to a JC for 2 years (yeah, I am sure Harvard's English Comp 101 or Aerobics 101 class gives you more than another school) to get the fluff classes out of the way before you really hit the classes for your major. You do not get to VOLUNTARY accumulate debt to the school of your choice, and then cry about it 4 years later and say it isn't fair. Hey GM, changed my mind of that car loan, it wasn't fair. Hey mortgage company, don't really like my house loan, it wasn't fair. Welcome to the real world of working hard, paying what you owe, and making wiser money decisions kid....you just got real life lesson #1.

    August 31, 2014 at 8:38 pm | Reply
    • Diego

      There is no like button to "like" this replay so I am leaving a positive comment.
      I did the JC and then finished my studies at a major university.I also paid most of it with the GI bill.

      September 2, 2014 at 12:25 pm | Reply
    • Chiefwarrantofficer

      Great response! It is about time people accepted responsibility for the decisions THEY have made and not whine when they did not like the results of those decisions.

      September 2, 2014 at 2:56 pm | Reply
  2. Reynaldo

    It doesn't help when the Dem Idol Hillary charges colleges 200k to speak there. How many scholarships could be awarded to needy students with that 200k?

    August 27, 2014 at 11:22 am | Reply
    • Chiefwarrantofficer

      Not pertinent to the point that NOT A SINGLE INDIVIDUAL WAS FORCED TO TAKE OUT A LOAN TO ATTEND ANY INSTITUTION.

      September 2, 2014 at 2:57 pm | Reply
  3. SoullessTechnocrat

    There's not a way to fix it. Too many think they can, and too many can't achieve. This wouldn't happen if you didn't let so many worthless lives come into being, but pro-life politics being what they are. You can either decrease the amout of people or subsidize. Or just eliminate education all together with the rest of life and the planet. If there was no life, there would be no problems. Silence is Golden

    August 25, 2014 at 7:50 pm | Reply
  4. Laughing Skeptic

    The money from the student loans is NOTused to educate the students. It is used to build fancier and fancier facilities. The universities are not providing value to the students and don't care about providing value to their students. They have completely lost sight of their mission and have become corrupted by and addicted to the money coming to them via student loans. Just think about the tuition and fees behind one packed freshman class of 300 being taught in a giant auditorium. Take 1/5 of the tuition and fees of a student and multiply it by 300 and you get a number in the neighborhood of $600,000 of revenue associated with ONE class for ONE semester. Are the students in that classroom getting that kind of value? Nope. But the dean's got some nice mahogany paneling in his office.

    August 20, 2014 at 10:34 pm | Reply
    • Tschrny Wolf

      No, you make scandalous accussations, but give no proofs, ha ha ha, actually computers for all classes, maintanance and safety precautions ( since the terrorist attack in schools have cost lots of money, as well as providing advanced professional teachers and education for more doctors, engineers, physics and laboratory chemists. The cost would be less if walker bush had done his job, but he did not.

      August 23, 2014 at 3:04 pm | Reply
  5. Hall

    Van Jones has yet another idea that boils down to taking money from some people and giving it to other people because that's who he thinks should have (or not have) that money. And he's sure that's what should happen due to his grossly mistaken impression that he is smarter than you.

    August 20, 2014 at 1:58 pm | Reply
  6. Pete

    Gosh, Van. Nobody should have to pay for anything! Everything should be free.

    August 19, 2014 at 12:30 am | Reply
    • Tschrny Wolf

      I agree, The money capitalist system that puts a price tag on everything and everyone has led to corporate private corruption and crime :(How can we Americans organize a money free system? Got any ideas? If an honest and legal government administrated all services publicly, all corrupt corporations would disappear :))))) But the gop ,evangelists, mormons and tea party would scream immidiately :(, I think.

      August 23, 2014 at 4:42 pm | Reply
      • I am the tea party

        Ummm....capitalism and free markets built this country. If you're such a brain dead buffoon to think the government can run everything more efficiently and effectively than a free market system, you clearly need to go back to school.

        August 30, 2014 at 10:27 am |
  7. chuck

    For how many weeks will CNN advertise this bogus issue? There must be some real political news out there somewhere.

    August 18, 2014 at 11:29 am | Reply
    • Pete

      Must have run out of Malaysian Airlines ink...

      August 19, 2014 at 12:32 am | Reply
    • Tschrny Wolf

      Are you republican, mormon, evangelist or a tea party member? It figures. Hey, students are not a bogus issue, or the student debt is. The future of America is in their hands. Our students deserve a good future and jobs when they graduate.

      I think McCain is hiding behind vague rethoric to attack investment in the future of the students :(

      August 23, 2014 at 4:49 pm | Reply
      • Chiefwarrantofficer

        And they also need to start acting like responsible adults and stop whining about what THEY HAVE DONE TO THEMSELVES. Can't afford to pay the loan back, perhaps you should not have TAKEN the loan. YOU are the problem, not the LOAN.

        September 2, 2014 at 3:00 pm |
  8. mfbnc

    I'd be interested in finding out how much "student" or "education" or "college" (or whatever term you want to use) debt is held by those who entered college but never completed a degree. I would imagine a significant percentage fall in this category. Of those, I would imagine many are in this category because they really should never had been allowed to enroll in the first place. The "everyone should go to college" mindset has backfired, big time, and these students and their families are being left with the bill.

    Reasonable college entrance requirements (at least for any college eligible for government backed loans) need to be set and enforced. It seems many colleges no longer have proficiency standards that help the prospective student better determine their chances for successfully completing a degree program, much less a useful degree program, and help prevent those who have a limited chance of success from entering in the first place. Entrance standards appear to have been lowered at many public universities to the point where far too many of those entering college find themselves in far over their heads and/or spend their first year in remedial courses in basics such as English, math and science – evidenced by the percentage of full-time students needing six years to complete a four-year degree (I believe the current goal of the US Dept of Education is to get the number of students completing a four-year degree in six years UP to 55%!).

    Private for-profit colleges ("accredited" and eligible for federal student loans) with what appears to be no entrance requirements are more than willing to take anyone willing to pay whatever exorbitant tuition the college wishes to charge have popped up everywhere. Kids who can't get into the local community college even after going through remedial classes are accepted to these schools without question and they're taking out loans to pay the cost.

    College never has been, is not and never will be for everyone. That's not to say kids for whom college is not the right path can't be successful, I know many successful business owners and tradesmen who never set foot in a college classroom. The goal and duty of our public secondary education system should be to guide students into a path for success based on students' individual merits, not simply a tell them that college is for everyone.

    August 17, 2014 at 10:06 am | Reply
    • phenomenallywoman

      Very well thought out and full of truth and facts!!! Whenever inefficiency meets any profit driven idea...chaos ensues!!! College is not for everyone and the Federal Government should be ashamed for accrediting so many For Profit Schools as the panacea for the struggling State institutions!! If we would FIX our Elementary and Secondary Education systems with an emphasis on ALL MEANS OF ACQUIRING KNOWLEDGE after High School, then the correct pathways would be embarked upon by those graduating senors. Many non-traditional adults seeking career changes and more pay have been caught up in the student loan trap as well. It will and maybe should be the next bubble to burst for the banks and lending institutions that hand out these loans with no other qualifying requirement than a desire to or a desperate crap shoot at attending college! have completed two Master's Degrees and several Certifications in an attempt at getting a good ROI for my College Education debt!! It has been 25 loooong years since that High School commencement ceremony and the comparison between the cost of getting all of that education and the salaries and wages available has been very disappointing. But....the student loan payments keep going forth because it is mine to pay. People will simply have to own the choice that they made to finance their education through debt and pay what they owe, volunteer and work in areas that offer student loan forgiveness as a portion of compensation and just keep moving forward.

      August 28, 2014 at 12:23 pm | Reply
  9. CALIFORNIA

    Yeah just call it NATIONAL DEBT.

    August 16, 2014 at 11:39 pm | Reply
  10. bowldsbrendonbboi7581

    It's going to get worst. They are finding ways to make school cheaper. However, there are conservative groups directly attacking higher learning stating funding studies that state higher learning leads to liberalism.

    August 16, 2014 at 11:12 am | Reply
  11. Yes you do hate poor people

    No I don't I'm just pointing out to you that poor people (like yourself) shouldn't vote GOP. How does my post suggest I hate poor people? It's the GOP that hate poor people not me.

    August 12, 2014 at 11:47 am |

    Yes you do hate poor people cause you are a liberal democrat and only want to hold poor people back. Duh! And only copy and paste hate for everybody but yourself. So, there poor you people hater.

    August 14, 2014 at 11:22 am | Reply
    • What

      No really? What?

      August 15, 2014 at 3:31 pm | Reply
      • what yes really thats what

        You hate poor people that's what, yes really that's what.

        YOU hate poor people You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

        August 8, 2014 02:30 pm at 2:30 pm |

        YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

        August 15, 2014 at 5:50 pm |
    • bowldsbrendonbboi7581

      I rarely post here, but I all fairness I'd like to speak on the possible rationale behind the conservatives groups stances. Economists are nearly divided on whether or not an increase in minimum wage will increase jobs. However, they are supposed to be for small government and Ian increase in minimum wage results in a decrease in government spending, via less funds dispersed to the working poor. This also helps in terms of social mobility.
      The next topic I'd like to address is the conservatives groups attack of the higher education system. Higher education also leads to more social mobility. The motives behind funding studies that state higher learning lead to liberalism are beyond me. Some of the GOP stances I agree with. However, why are they against programs of social mobility vehemently. Plz, if you have answers I'd like to know.

      August 16, 2014 at 11:10 am | Reply
      • RealFake Brit

        Your logic is incredibly flawed. Raising the Minimum Wage will not raise anyone out of the income range to be eligible for Federal Aid. They will still get all the money they currently get from the Gov't and also have a higher income. What that does do is raise more money in taxes for the Gov't. So you increase Big Gov't by still spending the same amount in Gov't Aid and you take more money in Taxes from the increased wages.

        I'm not completely against raising the Minimum Wage. In some cases I think it is not only warranted but needed. However, based on data from the Bureau of Labor Statistics in 2013 there was 3.6 million people in the USA that made at or below the Federal Minimum Wage. That is about 1.1% of the entire population of the USA. Now, I'm not saying that those 3.6 million people aren't important, they are. But trying to make the Minimum Wage seem like some magical cure for Poverty in this country is incredibly disingenuous.

        There are far better solutions we can make that will not only help to alleviate Poverty, but help all Americans have a better life. The failure of Leadership (on both sides) is what's really hurting this country. Oh and the PC attitude by people that do nothing more than search for a way to be offended by something. The US is in serious need of better Leadership and a thicker skin.

        RFB

        August 24, 2014 at 9:40 pm |
  12. Ryan

    I know its not easy to say, but the entire US education system from K to Doctorate must be dismantled, recreated, focused and updated to include the latest in technology and teaching methods that get results from all over the world. No one spends as much on education as we do and receive so little in return. Those who work in the make believe world of higher education need some real world reality cause many college administrators and boards are ineffective. They need to be run more like a business (non profit) that focuses on educating the whole person yet the requirements necessary for basic "prudent man/woman" understanding. Our society as a whole needs to change its mindset. Good enough is not good at all.

    August 13, 2014 at 12:53 pm | Reply
    • kurt

      I don't really agree about running it like a business.

      That implies charging as much for your product (degree) as the market will bear. That's essentially what they are doing now.

      I think the answer is more to look at what actually is supposed to be provided and only provide that while only charging what it costs to provide that. I know that UGA (my alma mater) has spent huge amounts of money making new buildings for example. About half the college that was there when I entered in 1996 has been replaced. But I do wonder if half of those were necessary. If we only built new buildings at say... half the rate we did... maybe tuition would only have gone up to 200% of what it was when I graduated as opposed to the 450% that it actually rose. If colleges budget their spending to be more realistic, perhaps they don't NEED to collect as much from students.

      August 15, 2014 at 10:34 am | Reply
      • definitely

        Come on dumb jazz, colleges are not public education venues to give at cost tuition to anyone. Even state colleges must make money otherwise the public would foot the bill. That cost includes being able to keep up with advances in technology, quality facilities, quality professors, increase in enrollment, up keep, quality housing, food services, on and on. To claim that a college or as you stated hospitals as well should provide services at cost is pure liberalism. Ah ha! I'll be damn, just figured you out. Graduated in 2000 and have enough time to post as much crap as you do, uhm. No wonder you want the government to give you everything. Damn, oh well it figures. Back to your ignorance. Using your liberal thinking every entity producing a product or service should be providing these goods and services at cost. Guess what, that is communism is about. Ain't gonna happen here!

        August 15, 2014 at 6:49 pm |
      • kurt

        And that's the problem.

        The cost of UGA tuition is 450% of what it was in 2000 in 2012. Average income is 120% of what it was in 2000 in 2012.

        That money has been collected almost ENTIRELY from the taxpayers. Georgia has the HOPE scholarship program, a lottery funded scholarship that pays the majority of tuition for in-state students. I'm NOT arguing for more government funding of the cost of education. I'm arguing that colleges should watch their spending and not raise their tuition simply because the market will allow it. Only raise tuition when the cost of education (which includes research funds needed, salaries for professors, buildings and the like) goes up.

        I just believe they are doing it in the opposite order... raising tuition because they can, then finding stuff to spend the money on. They should be figuring out what they need to provide the best education, and only raise tuition if they need to do so to meet those expenses.

        I'm arguing the CONSERVATIVE viewpoint. Lower taxes (tuition). Less spending.

        And no, state schools are NOT supposed to act like privately run schools. They are NOT supposed to be profit driven. They are supposed to be about creating the best educated workforce for the lowest cost to the taxpayer (including those paying tuition).

        As for my personal situation... I'm doing fine. I got a degree from UGA on the HOPE scholarship. My wife paid her way through UGA and we both paid for her to get her masters at South Carolina. We're both employed. But we got the education part of our lives in before the costs got unreasonable. My wife could not have afforded to pay her way through college with it costing what it does today.

        People don't realize how the prices have change. They think "I paid my way through school, kids today should do the same." And I would have no problem with that... EXCEPT for the fact that the costs have gone up to the point where that is no longer feasible.

        August 20, 2014 at 12:36 pm |
      • Laughing Skeptic

        You almost understand the situation. They are NOT charging what the free market would bear. They are charging MUCH MORE than what a free market would bear because the government has meddled in the market and made these loans available. If the loans did not exist or were capped at some reasonable fraction of what a person can make on minimum wage in a year, then the money that people have to spend in this market would be DRAMATICALLY less and the cost of college would drop. As the "cost" of college has skyrocketed in the last 30 years the Federal Government has made more and more money available to this market feeding the cycle of increasing costs. The ridiculous sizes of the current loans are exactly the result of the government's policies.

        August 20, 2014 at 10:46 pm |
  13. Rob

    The problem is that taxpayers are less willing to subsidize higher education. This is the primary reason tuition is up.

    Personally I think this is very shortsighted, young folks are the people who will be paying our social security. My parents and grandparents knew that and were willing to subsidize my tuition. I can't understand how that got lost on my generation, we need to set up and help fund higher education. The government throws a of lot of money down a lot of rat holes, find a way to cut some of those and put the money back into education!

    August 12, 2014 at 5:54 pm | Reply
    • Laughing Skeptic

      Your statement is wrong. The cost of education has gone up because the government has been willing to provide excessive funds to this market. The Universities are essentially spending all the money that they can get their hands on like addicts. The government is willing to guarantee them a lot of money, so they take it and spend it. If we simply ended student loans tomorrow, in two years the people who were thinking about borrowing 20k a year to go to college today could then go to college for 8k a year. The construction companies would be the ones really crying, not the students.

      August 20, 2014 at 10:53 pm | Reply
  14. You Hate Poor People

    He He does know what to call it. He says....."College debt" or "education debt" might work". Exactly how do those terms complicate the issue? Does the GOP have a solution?

    August 7, 2014 at 8:06 pm | Reply

    There is no need for a solution, the issue is personal responsibility, you borrowed it and/or co-signed it, you pay for it. Simple except for your simple mind. Of course you hate poor people like all liberals and democrats, so you wouldn't know because you hate poor people and are not smart enough to understand.

    August 12, 2014 at 4:39 pm | Reply
    • bowldsbrendonbboi7581

      I won't go as far to say they hate poor people. However, they seem to want to keep people poor. They are attacking the higher learning institutions as a whole. Conservative groups are funding studies stating higher learning leads to liberalism. It's getting pathetic. There are easy ways I which the government can shrink and help the poor. They refuse to take these stances even thought completely agrees with their ideology. Please explain why?

      August 16, 2014 at 11:17 am | Reply
  15. rla

    Hate poor people???? Really??? Way over the guilt thing– My parents were poor, not educated but they had some common sense as do I! Never a problem with debt or paying for college... Stupid is as stupid dose and all these dolts want is you and I to pay for poor decisions and most likely a degree that is not worth the paper it was printed on... Loans for math and science and if you want the other junk courses pay for it yourself!

    August 12, 2014 at 1:41 pm | Reply
  16. George T Hibs

    It is always so nice when a student accepts the loans to make it through school. When you have to pay it back it is an entire different matter. I have been paying multiple student loans for two sons for 6 years now and have never complained. The day they are paid off, well I guess it will be my turn to get a raise so to speak. I did not cosign on these loans, just do not want to see my kids default on them. If you do cosign on a loan for your kids, you should know that loan is equally yours too and a lender does not care which one of you pays it back.

    August 12, 2014 at 12:52 pm | Reply
  17. Reynaldo

    Why are expenses so high? It doesn't help when Hillary charges these public universities 100k plus to make a speech there.

    August 12, 2014 at 10:10 am | Reply
    • Poon Dog

      And universities are required to use her services? Silly argument, and even if they do pay her $100k that comes out to something like $5 per student at most large universities.

      August 14, 2014 at 8:48 pm | Reply
  18. kurt

    There is no problem with the financing of higher education in my opinion... or at least it's not a huge problem.

    The problem is the COST of education. Since I graduated from college in 2000, the tuition went from about 2400 dollars a year to about 10,800 dollars a year (UGA tuition and fees). Meanwhile the median income in the US went from about 42,000 dollars to 51,000 dollars.

    So... income is 120% of what it was in 2000... and the price of tuition for the college I went to is 450% of what it was in 2000.

    That's the issue. It's not about interest rates or repayment terms. It's the fact that the increase in the cost of college is unreasonable. If the cost of attending UGA (and other schools) were 120% of what it was in 2000... there would be no big issues with lending terms.

    August 11, 2014 at 1:52 pm | Reply
    • Ncwriter

      The high cost of education is a different problem. Price is always....ALWAYS...a function of supply and demand. There are lots of people wanting to go to college. We even let people come into the country to come to college, in technical graduate programs, more than half the students are non-Americans. There is excessive demand for college.

      Meanwhile the supply of college is the same. There are no new schools (regulation of "quality" creates a huge barrier to entry) and the existing ones cannot expand effectively.

      Economics 101, the price rises, that might be the first or second lady of class.

      Want lower prices? Reduce education visas and increase school capacity.

      August 12, 2014 at 5:51 am | Reply
      • kurt

        Which is where my liberal tendencies kick in.

        Education shouldn't be a factor of supply and demand. Free market theory is great at maximizing profit. That's how it works as you said... if you have more people wanting a college education without drastic increase in available spaces then colleges can raise their prices and get more profit.

        But that's not supposed to be what colleges (at least public colleges) do in that situation. Their goal isn't supposed to be "make the most profit". Their goal is supposed to be "create the most educated/intelligent/proficient graduates they can".

        The way to do that (if you aren't taking more students) is NOT to increase the tuition. It's to make the entrance standards harder. That means that those who make it in to the school have better qualifications and (if their entrance measures are good) end up doing better in college. You keep prices level with inflation and select more qualified students. By raising the price, you eliminate some of the more intelligent and talented students from your selection pool and instead only select from those who can afford tuition. And that does NOT produce better graduates... it does the opposite.

        The free market system works great when profits are the goal of the enterprise. They do not work when things like education or health is the goal... unless you can find a way to directly tie performance (better education/better healthcare/less polution) to profit.

        When schools (or hospitals) care more about profit then producing higher quality students (or healthier individuals)... then the sytem isn't working.

        August 15, 2014 at 10:24 am |
      • guest

        except there are many many new schools around since 2000, many for-profit schools as well. And even more so, new programs, mostly online, being offered by schools to places they would have never recruited students. To say there is the same number of higher education opportunities as in 2000 but just way more students now is very wrong, ergo your theory on why price of schooling has gone up so much is very wrong.

        The scariest part is the move to make the k-12 system work more like the higher education system, the smell of money is in the water, the profit-sharks are circling. Also they wont have those pesky tenures when to deal with when they want to completely change history.

        August 19, 2014 at 10:28 am |
    • definitely

      definitely
      Your comment is awaiting moderation. Hojo

      Repost for your benefit
      Not sure what your angle is here. When tuition costs are astronomical, it is impossible for many families to save even enough for a partial term at a college campus. Most of the time this debt has no correlation to the fiscal responsibility (or lack thereof) of the people applying for student loans.
      __________________________________________
      The angle here is personal responsibility. This " Most of the time this debt has no correlation to the fiscal responsibility (or lack thereof) of the people applying for student loans." is totally false and so pathetically contrary to the reason for higher education that it demonstrates the reason so many are in trouble.

      There are methods to getting money for college. IF you have parental support that is great, if not, apply for scholarships, there are thousands and thousands of dollars available. Take fewer classes and work, apply to lesser known colleges with lower tuition. The are ways to have a great higher education without massive debt

      The problem with today's kids is they have had easy money available and few are prepared accept the liability for that money. Like southern said if this easy money was not so easy then colleges would be forced to control cost. I would go a step further and say there is a direct correlation between the increased tuition and relaxed student debt.

      The emphasis below is "recently", the emphasis above is personal responsibility. Allowance to borrow money with out collateral is just plain stupid. To co-sign a note on the same is stupid! What is the realistic expectations of a college student paying back these loans in a reasonable time. Having massive debt is ludicrous for any young person leaving college. Starting life after college is difficult for almost all young adults even if they do find jobs in related fields. You are as bad as they for trying to give justification to this madness. Quit being a liberal and start being a realist even if you stay a democrat.

      I recently had two kids graduate college with honors with masters without debt! There were some tough times but life is not always easy. If you want to go into massive debt without any responsibility be my guest but don't expect me the tax payer to pick up your tab. Especially, since some of us have/are doing what is necessary to ensure we are not trapped by this liberal thinking of a you owe it to me because, well just because.

      August 11, 2014 at 5:11 pm |

      August 12, 2014 at 3:29 pm | Reply
    • southerngent

      I just read an article that Tennessee is offering 2 years of college for free, payed for by a lottery program, for ALL high school students. Well I'll be damn a UGA alumni failed to mention that. A resident of a state bordering Tennessee would have known that but OH! I guess you just CONVENIENTLY forgot they have a Republican Governor trying to better his state. The GOP Solution and you think so much alike its a scary.

      August 15, 2014 at 1:24 pm | Reply
  19. rae yearnd

    there is a answer a short one too. Pay for what you want to buy. Get real value for what you spend. And remember the college degree business is run by professors for professors. They will protect their own turf. Yes I think that it is time to "reform" Big Ed

    August 10, 2014 at 7:15 am | Reply
  20. Mickie

    LESSON: If you co-sign a loan, you are responsible, even if the main signer dies.

    1. Don't co-sign.
    2. If you co-sign, get life insurance either on the debt or on the person to cover the loan if you cannot pay it.
    3. Quit whining and blaming someone else because YOU SIGNED A CONTRACT.

    Yes, college is too expensive. Yes, colleges are jacking rates because the government gives free money. Those are different issues entirely.

    August 8, 2014 at 4:24 pm | Reply
    • Reynaldo

      The lesson here is only attend college that you can AFFORD! Why in the hell would a bank loan an unemployed 18 year old 100k?

      I'm sorry for the parent's loss, but they did co-sign.

      Never co-sign for anything. If a bank won't loan you money without a co-signer (which means they see you as a high risk), why would I want to co-sign for you?

      August 12, 2014 at 10:04 am | Reply
    • bob

      Watch out you're making to much common sense, it will confuse people.

      August 14, 2014 at 8:58 am | Reply
    • chuck

      Your post is the most intelligent post on this page.

      August 18, 2014 at 11:40 am | Reply
  21. Thom

    Floridians....there is one reason, and one reason only you pay the highest premiums for health insurance.....it's the GOP politicians in your state. They alone allowed the insurers to raise your rates to the highest in the country in order to blame Obamacare. You all know how to fix that and I think you will this time around.....vote every single GOP and TEA Party candidate out of office down there. The GOP is taking politics over the needs of it's constituents. SHAME ON THEM !!!!

    August 7, 2014 at 11:46 am | Reply
    • Reynaldo

      What a dufus. I'm tired of supporting people like you who won't work and only want to leech off of the government funds.

      August 12, 2014 at 10:07 am | Reply
    • George

      This is such an idiotic statement I had to read it three times.Your democrats shoved this bad law down everyones throat and now that it is self imploding, because obozo, pelosi, and the other voting idiots in the dem party who did not read the bill you blame republicans. Wow, keep drinking and smoking weed it will allow you to continue believing this.

      August 12, 2014 at 1:47 pm | Reply
    • Wilton Manors

      Obamacare led to the cost increases. Thanks Obama, a lot.

      August 12, 2014 at 9:06 pm | Reply
  22. Hojo

    I think the primary issue here is the absurd amount of debt the student and his or her family take on to even earn a higher education. How about we forgo the semantics and focus on actually resolving the issue of high tuition costs?

    August 7, 2014 at 11:07 am | Reply
    • rla

      That would actually mean the endowments of these universities would decrese and they would have to lower tuition if no one could get a loan

      August 12, 2014 at 1:43 pm | Reply
  23. Minnie Mouse

    In reality no one should have any student debt because "Pell Grants" should be offered to anyone regardless to what your income level is. There are thousands plus and possibly into the millions of people who are living in poverty, that can get out of poverty by getting an education through "Pell Grants". If our government is offering free education to certain income levels and they don't want to us it or take advantage of this offer to make things better for themselves, then "Pell Grants" should be offered to everyone who wants an education. Why should our government only limit education assistance to a certain income group when there are millions of other people who need the same assistance who truly want to get an education but can't get any help due to income level being just a little bit to much. If people can't go to college it becomes a dream crusher for some. If they don't have to funds to pay for what they really want to do, they either don't go at all, they will drop out if they do enroll, or they major in something that's affordable even though it's not what they want. Education is needed to meet the demands of society's high rising costs of living. Education is a huge factor in our economy as well. Education is needed to get people out of poverty. It's really necessary for the government to help everyone who wants to go to college because it's only beneficial to everyone. Look at the numbers 1% of the country is rich, the other 99% not. This should tell you how many people cannot afford an education and that no one should be stuck in debt by getting an education.

    August 7, 2014 at 7:34 am | Reply
  24. stopdrinkingthekoolaid

    pffft.. yes let's "PC" the phrase.. so that the individual is no longer responsible for his/her actions. So they go 100000 dollars in debt to get a worthless degree.. awwww they shouldn't be held responsilbe for that..
    TFB

    I'm sooooo glad our college decided NOT to participate in the gov fraud that they call a fed subsidized student loan program.

    August 6, 2014 at 7:11 pm | Reply
  25. al

    To Van james or jones or whatever your name is, Why are the two girls you're standing next to in the promo pic sticking their chests out. I mean really, c'mon man, that's cheezy.

    August 6, 2014 at 1:39 pm | Reply
  26. CALIFORNIA

    In other words he doesn't even know what to call it. You liberals need to come up with a PC term to complicate issues more than you already have.

    August 6, 2014 at 1:15 pm | Reply
    • He

      He gave two options: ""College debt" or "education debt" might work".

      How does those two options "complicate the issue"? And do you GOPhers have a solution?

      August 7, 2014 at 8:19 am | Reply
      • George

        So people that go to college are not students. Really.

        August 12, 2014 at 1:49 pm |
      • You Hate Poor People

        He He gave two options: ""College debt" or "education debt" might work".

        How does those two options "complicate the issue"? And do you GOPhers have asolution?

        August 7, 2014 at 8:19 am | Reply

        There is no need for a solution, the issue is personal responsibility, you borrowed it and/or co-signed it, you pay for it. Simple except for your simple mind. Of course you hate poor people like all liberals and democrats, so you wouldn't know because you hate poor people and are not smart enough to understand.

        August 12, 2014 at 4:37 pm |
      • No I don't

        I'm just pointing out to you that poor people (like yourself) shouldn't vote GOP. How does my post suggest I hate poor people? It's the GOP that hate poor people not me.

        August 14, 2014 at 1:34 pm |
      • YOU hate poor people

        The GOP Solution You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

        August 8, 2014 02:30 pm at 2:30 pm |

        YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

        August 15, 2014 at 1:03 pm |
    • He

      He does know what to call it. He says....."College debt" or "education debt" might work". Exactly how do those terms complicate the issue? Does the GOP have a solution?

      August 7, 2014 at 8:06 pm | Reply
    • Reynaldo

      He's really making a case for free college education for all. Well, not really free, since someone has to pay for it, i.e. those evil "rich" people.

      August 12, 2014 at 10:09 am | Reply
  27. Minnie Mouse

    The cost of the educations is the cost of the education and any person who takes out a student loan knows they have to repay this loan amount back. The excessive debt comes from when our government is allowing people to borrow more than they need for the education. Just because a person is qualified for 5 grand or 10 grand plus over the cost of the schooling doesn't mean that you have to loan it out to them. People are landing out of college owing more than the school actually costs. Some to the extreme of 15 plus grand ect.. over the costs. If a person goes to a bank and gets a loan for a car that costs $20,000 they aren't going to loan them $25,000.The bank is only going to loan them the cost of the car. OUR GOVERNMENT SHOULD NOT BE LOANING EXCESSIVE FUNDS OVER THE COST OF THE EDUCATION.

    August 6, 2014 at 7:22 am | Reply
  28. The GOP Solution

    The GOP Prayer/Mantra/Solution: Dear God...With your loving kindness, help us to turn all the Old, Sick, Poor, Non-white, Non-christian, Female, and Gay people into slaves. Then, with your guidance and compassion, we will whip them until they are Young, Healthy, Rich, White, Christian, Male, and Straight. Or until they are dead. God...Grant us the knowledge to then turn them into Soylent Green to feed the military during the next "unfunded/off-the-books" war. God...Give us the strength during our speeches to repeatedly yell........TAX CUTS FOR THE RICH!!!..........and..........GET RID OF SS AND MEDICARE!!!
    In your name we prey (purposely misspelled, or is it?)........Amen

    August 5, 2014 at 10:17 pm | Reply
    • Your Prayer

      Keep copy/pasting hate maybe I won't appear as dumb!

      I don't care about the old, sick, poor, white, Christian, female, straight as long as the government gives me free stuff.

      Ihopes they die so I gets their stuff.

      Tax the rich more and more and more and more and more and more cause I ain't gonna work for me free stuff!

      My comment of soylent green is sicking but I don't care Igots to have my free stuff.

      Ican lie better dan enybody so who cares.

      Idon't need ss or medicare cause dagubermant man gives me free stuff and I just go er anyway.

      Ican't speal enyhow an I hopes god do not read my stuplid sick stuff.

      Did I manchon I wants more free stuff!

      August 7, 2014 at 7:26 am | Reply
    • YOU hate poor people

      You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

      August 8, 2014 02:30 pm at 2:30 pm |

      YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

      August 8, 2014 at 3:09 pm | Reply
      • No I don't

        I'm just pointing out to you that poor people (like yourself) shouldn't vote GOP. How does my post suggest I hate poor people? It's the GOP that hate poor people not me.

        August 12, 2014 at 11:47 am |
      • YOU hate poor people

        The GOP Solution You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

        August 8, 2014 02:30 pm at 2:30 pm |

        YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

        August 15, 2014 at 1:02 pm |
    • Counselor

      Wow.

      You are in serious need of a professional psychological evaluation. While you are obviously attempting to put words in the mouths of people with whom you disagree, the mere fact that you typed such vile things is a clear indicator of your own personal mindset. Are you currently on any medications? There are so many red flags in your comment that I'm seriously considering alerting the authorities. You sound like a genuine danger to yourself and others. Please get the help you need.

      August 10, 2014 at 3:29 am | Reply
      • Don't

        Don't you think that the GOP are the ones that need counseling? Counselor – pffffffffffffft.

        August 12, 2014 at 11:44 am |
      • Go ahead

        Call the authorities. I'd like to hear that conversation. Authorities......authorities......there's someone on the internet posting the TRUTH about the GOP and we can't have THAT!!!! pfffffffffffft.

        August 12, 2014 at 3:06 pm |
    • rae yearnd

      reforming and reworking social welfare programs is not "ending or eliminating" the programs.. In fact without some reforms and even re thinking of the aims, objectives, and execution of some of these there will be no way to carry on with them into the future. The elected officials of both parties would like nothing better than for the general population to beg at their doors for their next meal just as the aim of Obamacare is to remind you that if you don't vote correctly you will not be able to go to the doctor and you will die. Or for younger people you will be forced to deal with sick parents and the costs of end of life care. Now more to your point the Republican establishment are jonny come lately iies to the Blackmail by Benefit ball but like all of the ruling class they respect the power it represents to influence the behavior of voters. The average conservative wants nothing to do with this kind of bondage. Since you speak of slavery I encourage you to free yourself from the vain belief and faith that some public official will ever make your lot in life better. In other words get your ass off the Government Plantation. And stick to the Soylent Orange.

      August 10, 2014 at 7:09 am | Reply
      • I get

        I get less "government" stuff than you do.

        August 12, 2014 at 3:04 pm |
      • YOU hate poor people

        The GOP Solution
        You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

        August 8, 2014 02:30 pm at 2:30 pm |

        YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

        August 15, 2014 at 1:01 pm |
    • Smitty

      Try coming up with something different than copy and paste. Being fodder in the world is ok, but we are all tired of the same lameo excuses for Obumbles. Point and blame is over, Obumbles owns this mess.

      August 10, 2014 at 10:01 pm | Reply
      • Why

        Why come up with something different? Shouldn't the GOP come up with something different? It's free advertising for the GOP platform. You like your party's platform don't you?

        August 12, 2014 at 11:45 am |
  29. definitely

    Let's call it what it is. A failure of America to teach its youth the value of controlled spending, how to achieve without uncontrollably debt, understanding what it means to be responsible for your own actions and not expecting government (tax payer) to bail them out.

    August 5, 2014 at 10:09 pm | Reply
    • southerngent

      Definitely, but let's include some parents in the mix, these parents co-signed for a 100 thousand dollar loan. It is sad they lost a daughter and my heart goes out to them but if they had co_signed for a 100 thousand dollar loan of any kind would we expect the taxpayer to pickup the tab. What about the parent who put themselves through college then helped with paying for college for 1 or more children without student loans? Are we expected to do the same for everyone else? Colleges take advantage of the free flowing ability to accumulate debt, however if we were not so gullible to latch onto this easy money they would be without recourse to but control cost.

      August 7, 2014 at 8:02 am | Reply
    • Hojo

      Not sure what your angle is here. When tuition costs are astronomical, it is impossible for many families to save even enough for a partial term at a college campus. Most of the time this debt has no correlation to the fiscal responsibility (or lack thereof) of the people applying for student loans.

      August 7, 2014 at 11:06 am | Reply
      • definitely

        Hojo
        Not sure what your angle is here. When tuition costs are astronomical, it is impossible for many families to save even enough for a partial term at a college campus. Most of the time this debt has no correlation to the fiscal responsibility (or lack thereof) of the people applying for student loans.

        The angle here is personal responsibility. This " Most of the time this debt has no correlation to the fiscal responsibility (or lack thereof) of the people applying for student loans." is totally false and so pathetically contrary to the reason for higher education that it demonstrates the reason so many are in trouble. There are methods to getting money for college. IF you have parental support that is great, if not, apply for scholarships, there are thousands and thousands of dollars available. Take fewer classes and work, apply to lesser known colleges with lower tuition. The are ways to have a great higher education without massive debt. The problem with today's kids is they have had easy money available and few are prepared accept the liability for that money. Like southern said if this easy money was not so easy then colleges would be forced to control cost. I would go a step further and say there is a direct correlation between the increased tuition and relaxed student debt. I recently had two kids graduate college with honors with masters without debt! There were some tough times but life is not always easy. If you want to go into massive debt without any responsibility be my guest but don't expect me the tax payer to pick up your tab. Especially, since some of us have/are doing what is necessary to ensure we are not trapped by this liberal thinking of a you owe it to me because, well just because.

        August 11, 2014 at 5:11 pm |
  30. Bubba

    Don't call it student debt, call it what it is; STUDENT BONDAGE. Thus, college students can work hard to get into a good school, which is super expensive. Their reward for all that hard work can then be debt. Lots and lots of debt.

    It is funny how we allow business owners in America can write off everything, because they make America great somehow. Yet the Doctors and Teachers and Musicians and Detectives seem to contribute nothing through their years of dedication to their craft, thus do not get to write their toys like the business owners.
    When did America become so goofy? How did the GOP manage to split America up so effectively into business owners who deserve everything, and non-business owners who deserve nothing. Student Debt is a cost many Americans must pay, yet so little is done to relieve those with Student Debt. Anyone with Student Debt should start a part time business pruning dandelions and write off all their student debt as a business expense, after they explain how the dandelion business would not be possible without the schooling, nor debt.

    August 5, 2014 at 3:56 pm | Reply
  31. The GOP Solution

    The GOP Prayer/Mantra/Solution: Dear God...With your loving kindness, help us to turn all the Old, Sick, Poor, Non-white, Non-christian, Female, and Gay people into slaves. Then, with your guidance and compassion, we will whip them until they are Young, Healthy, Rich, White, Christian, Male, and Straight. Or until they are dead. God...Grant us the knowledge to then turn them into Soylent Green to feed the military during the next "unfunded/off-the-books" war. God...Give us the strength during our speeches to repeatedly yell........TAX CUTS FOR THE RICH!!!..........and........GET RID OF SS AND MEDICARE!!!
    In your name we prey (purposely misspelled, or is it?)........Amen

    August 5, 2014 at 1:45 pm | Reply
    • Your Prayer

      Keep copy/pasting hate maybe I won't appear as dumb!

      I don't care about the old, sick, poor, white, Christian, female, straight as long as the government gives me free stuff.

      Ihopes they die so I gets their stuff.

      Tax the rich more and more and more and more and more and more cause I ain't gonna work for me free stuff!

      My comment of soylent green is sicking but I don't care Igots to have my free stuff.

      Ican lie better dan enybody so who cares.

      Idon't need ss or medicare cause dagubermant man gives me free stuff and I just go er anyway.

      Ican't speal enyhow an I hopes god do not read my stuplid sick stuff.

      Did I manchon I wants more free stuff!

      August 7, 2014 at 7:27 am | Reply
    • YOU hate poor people

      You're Poor @Eugene – You're poor. You're the person most likely to NEED SS and Medicare. And it will be around unless you let the GOPTards take it away.

      August 8, 2014 02:30 pm at 2:30 pm |

      YOU HATE POOR PEOPLE, SHAME, SHAME, SHAME ON YOU!

      August 8, 2014 at 4:08 pm | Reply

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