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Desc:He didn't get the memo that NYU is for trust fund babies.
Category:General Station
Tags:BAD IDEA, Debt, NYU, student loans, citibank
Submitted:Scrotum H. Vainglorious
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Comment count is 18
Aelric - 2012-05-14
They are kind and considerate? You are only 2 months delinquent and they won't give you a short deferment? Boy, you are too polite for your own good.

I'm nearly 4 years late on my FIRST debt payment and while I owe a hell of a lot less than this kid, I'm still given payment plan offers and deferments due to my meager Thailand income. Then again, I got government loans, not bank ones, so maybe that is why they are a little kinder to me than him.
Enjoy - 2012-05-14
A degree in social work from NYU? That's like studying football at Harvard or a hospitality degree from MIT. Talk about a mismatch of potential income with cost-of-education.

Other questions: why did Citibank give him this loan? Do they have visibility into what he was majoring in? His dad is a pastor - that's not exactly NYU money... what was dad thinking?
SteamPoweredKleenex - 2012-05-14
That an imaginary friend would chip in?

Cherry Pop Culture - 2012-05-14
An imaginary friend named God, right?

American Standard - 2012-05-14
Five for evil. If someone wants to major in it, the college will offer it. No matter how against the student's own best interests it is.

Where was his fucking guidance counselor or faculty adviser? Someone to slap the sense into him? NYU for a SOCIAL WORK DEGREE? Seriously, this kid was done a disservice.

He would have been a thousand times better off earning a degree in social work at a community college. Same employability, at a quarter of the price. He says mom and dad saved 30k for his education; His parents could have given him a full ride, freshman to senior, and he would have graduated debt-free.

But I guess we all know what they say about hindsight.

When I was choosing a college, my parents told me they were happy I was going, but I wasn't taking out any loans to do it. I could earn scholarships, I could live at home and go part-time/work-part time, and I could do work study, but I couldn't borrow money, end of discussion. At the time, I didn't understand their rigidity. Now, I'm grateful for it.

18-year-olds are stupid as fuck. They shouldn't be exploited.

Kabbage - 2012-05-14
What th- you can major in Hospitality?

fedex - 2012-05-14
I think if I was this guy I'd be majoring in Hostility right about now

Oscar Wildcat - 2012-05-14
@ Enjoy: Because if the government would loan me money at 0%, and I could loan it to this kid at 8%, and the loan couldn't be discharged in bankruptcy, and I could dragoon the government into being my collection agency, I'd stand to make an absolute assload of money. It's not complicated. Being rich is easy. It's coming out of the right vagina that's the tricky part.

HarrietTubmanPI - 2012-05-14
Oscar - bingo. This is why predatory lending is done, because the profit margins are insane and the person in debt will likely never pay the loan off in the next 30 years.

Keep the guy in debt, take the interest payments, and keep the guy clueless, and you'll make a boatload of money. Get the government to back you up and bail you out, and you'll never lose.

Hooker - 2012-05-14
Predatory lending is engaged in by two groups: banks and organized crime. The only relevant difference between the two is that when organized crime takes your business, home, and assets, they leave you alone.

fedex - 2012-05-14
A dragoon is a soldier who fights on foot but relocates on horseback.

Dragoon may also refer to:
Dragoon AFV, an American armoured fighting vehicle
Operation Dragoon, the Allied invasion of Southern France during World War II
Dragoon Mountains, a mountain range in Arizona, USA
Dragoon, Arizona, an unincorporated community in Cochise County, Arizona
Colt Dragoon Revolver, a handgun
Royal Canadian Dragoons, a Canadian armoured regiment
Dragoon (pigeon), a variety of Domestic Pigeon

never saw that word before, still not sure I understand how you are using it, but..cool word!
fedex - 2012-05-14
oops, obviously that was a reply to Oscar

Aelric - 2012-05-14
I never heard dragoon as a verb before. I think I'll use it often now.

Enjoy - 2012-05-14
Damn. I was typing up a kudos for the use of dragoon and you beat me to it.

baleen - 2012-05-14
I liked the way Oscar used dragoon... It was very creative. At once he was implying both dragging and harpooning government officials, but also implying a sophisticated military tactic. Dragoons were traditionally composed of the gentry and the upper classes.

Then again it could also just be a straightforward traditional use of the word as a verb, which is to subjugate or compel by violence or threats. I prefer the former.

Enjoy - 2012-05-14
The only interesting use of the word is as a verb: "to force by oppressive measures; coerce"
fedex - 2012-05-14
ah well there you go, VERBS

Scrotum H. Vainglorious - 2012-05-14

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