My tuition is like $1000/yr after scholarships and grants the way I have it worked out now, but I don't wanna work to have stuff.

Should I take out student loans?

can you say with confidence that you can pay them back

That's a retarded question.

I have no idea what the job market is going to look like in four years, or if I'll decide to go to grad school.
I'm not majoring in something worthless like English though, so I should be relatively safe.

Ultimately, I can't confidently say I'll be alive tomorrow, much less predict my ability to find sage employment nearly half a decade from now.

i thought even the dumbest fucking troglodyte on earth could figure this shit out

"hmm should i risk crippling, miserable debt when i could've gotten along just fine if i just worked"

these are the things that stump solonoid, he just can't figure it out without some sort of input, it's too hard for him

you say you've gotten every job you've ever applied for, so what the fuck is the problem you sniveling cunt

The only way to be certain of that would be to already have the money

so don't get loans then you stupid fucking cunt

trying to act like i'm the one asking dumb questions, when you're asking the dumbest question of all time

if you're not sure if you'll be able to pay them back in a timely fashion, it should be the most obvious thing to you in the world not to get loans

fuck

Quote from: Verbatim on July 21, 2017, 11:36:18 AM

"hmm should i risk crippling, miserable debt when i could've gotten along just fine if i just worked"

the answer is yes when solonoid is involved

wow, excellent point

yeah go right ahead sol

"hmm should i risk crippling, miserable debt when i could've gotten along just fine if i just worked"

these are the things that stump solonoid, he just can't figure it out without some sort of input, it's too hard for him

you say you've gotten every job you've ever applied for, so what the fuck is the problem you sniveling cunt

Wow, that's some real salt. Could it be that verb is anti-work not because he actually hates work, but because he isn't charismatic enough to get through an interview?

And I'm not talking about borrowing the 50k a year to pay my tuition like some students have to, I'm talking a few grand to keep me focused on studies instead of putting things on shelves. Even if I never get another job as long as I live, and never actually pay any of that off, the debt isn't going to 'cripple' me.

But I explained all of that in the OP.

In fact, the OP was more than enough information for a simple yes or no, which is all I was looking for.
The inference that you shouldn't take out a loan unless the outcome is predictable stems from the exact type of trepidation that keeps people from accomplishing anything.

If you wanna say no, say no. If you think I should, say yes.
Don't try to seem coy or wise by blathering about confidence or certainties.

Quote from: Ossus on July 21, 2017, 11:59:31 AM

Wow, that's some real salt. Could it be that verb is anti-work not because he actually hates work, but because he isn't charismatic enough to get through an interview?

i hate work for every reason conceivable

intelligent people only pull out loans if they know they'll be able to pay them back later, even in the face of a volatile market

that's the only answer i'm willing to give, and if that's not good enough, then go fuck yourself

But that's what makes a student loan inherently different.

They're almost always taken out by a person with no guarantee of future income, no credit history, and no family means.

It's always a gamble, more so than a mortgage, credit cards or anything else.

This is blatant and obvious.

I came to ask if that's a risk people think i worth taking, but all you've done is dither on about conventional (and frankly ancient) fiscal practices.

In the future, if you can't answer a question, just keep your mouth shut.

Quote from: Ossus on July 21, 2017, 12:15:48 PM

They're almost always taken out by a person with no guarantee of future income, no credit history, and no family means.

It's always a gamble, more so than a mortgage, credit cards or anything else.

This is blatant and obvious.

if this were true (it isn't), you would be able to realize the stupidity of wanting a simple "yes" or "no" answer

but you're braindead due to frequent drug abuse, so of course you don't

Oh yeah.

The average person putting themselves through college has a 780 FICO score, trust fund, and great job security.

Is 708 a good FICO score? That's what I have.

Don't take a loan.  While 1k isn't a huge amount to pay off, it's just the fact that if you can't pay it back interests are gonna rape you hard. If you are able to find a part time job you'll be able pay off 1k in no time(given you dont have to pay for other things and you dont blow your money)

Quote from: Verbatim on July 21, 2017, 12:27:29 PM

Quote from: Ossus on July 21, 2017, 12:25:13 PM

Quote from: Verbatim on July 21, 2017, 12:17:56 PM

Quote from: Ossus on July 21, 2017, 12:15:48 PM

They're almost always taken out by a person with no guarantee of future income, no credit history, and no family means.

It's always a gamble, more so than a mortgage, credit cards or anything else.

This is blatant and obvious.

if this were true (it isn't), you would be able to realize the stupidity of wanting a simple "yes" or "no" answer

but you're braindead due to frequent drug abuse, so of course you don't

Oh yeah.

The average person putting themselves through college has a 780 FICO score, trust fund, and great job security.

TIL "average" means "all"

TIL "almost always" means "always"

that's MY point, shithead

maybe you're in the minority, hence my (semi-rhetorical) question that you took super seriously for some autistic reason

i mean you're rich, right?

i mean you're rich, right?

hahahahaha

Quote from: True Turquoise on July 21, 2017, 12:50:35 PM

i mean you're rich, right?

hahahahaha

You said you were buying a house not long ago