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THE MORNING RANT: Student Loan Defaults and the 40-Year-Old, First-Time Home Owner
Millions Of Student Borrowers Are Defaulting: They Are 40 Years Old On Average https://t.co/ie1956fW8c
— zerohedge (@zerohedge) May 12, 2026
We shall meet but we shall miss him.
There will be one vacant chair.
We shall linger to caress him
While we breathe our evening prayer.
When a year ago we gathered,
Joy was in his mild blue eye.
But the golden cord is severed,
And our hopes in ruin lie. Chorus:
We shall meet, but we shall miss him.
There will be one vacant chair.
We shall linger to caress him
When we breathe our evening prayer. At our fireside, sad and lonely,
Often will the bosom swell
At remembrance of the story
How our noble Willie fell.
How he strove to bear our banner
Through the thickest of the fight
And uphold our country’s honor
In the strength of manhood’s might.
Comments
(Jump to bottom of comments)1
1
Posted by: Skip at May 25, 2026 11:01 AM (Ia/+0)
2
Hey-o!
Posted by: Lizzy at May 25, 2026 11:01 AM (X8xt3)
3
Sad song
Posted by: It's me donna at May 25, 2026 11:01 AM (FtULh)
4
The Marxists promised free education, and the Auto-Pen administration tried to give them that
Posted by: Skip at May 25, 2026 11:02 AM (Ia/+0)
5
I've seen stories on X where student loans are a new source of fraud. Both citizens and foreigners will get the loans, maybe attend a class or two, drop out, disappear. It's just another government program to be raided.
Isn't that awesome!?!
Isn't that awesome!?!
Posted by: Lizzy at May 25, 2026 11:03 AM (X8xt3)
6
Let’s stop loading up today’s 18-year-olds with crushing debt that enriches bloated colleges, many of which are left-wing indoctrination factories.
But then we'd have to lower our tuition!
But then we'd have to lower our tuition!
Posted by: The University Fraud Complex at May 25, 2026 11:04 AM (zw+xd)
Posted by: Commissar of plenty and festive little hats at May 25, 2026 11:05 AM (Kt19C)
8
Buckles up for another vigorous discussion of whether or not Starbucks and DoorDash are responsible for the failure to launch of yutes today, assuming you still consider 40 to be young, which I do not.
Posted by: Archimedes at May 25, 2026 11:05 AM (Riz8t)
9
When my apartment burned down in... 2002 or 3, I moved back in with the parents. I wanted to try to get something positive out of all this shit and had about 40k in debt from school. I had a job, which was a plus.
So, I put about half of what I made toward the debt and half toward rebuilding a bank to be able to move out again. I did not just pay it off in one go, but got it paid off by 2007, after moving out again.
Thank you Mom and Dad for always being there for me.
It was actually really satisfying when there was only like .01 on one loan left and the gov said 'let's call it square.' I wanted to write a check for a penny.
So, I put about half of what I made toward the debt and half toward rebuilding a bank to be able to move out again. I did not just pay it off in one go, but got it paid off by 2007, after moving out again.
Thank you Mom and Dad for always being there for me.
It was actually really satisfying when there was only like .01 on one loan left and the gov said 'let's call it square.' I wanted to write a check for a penny.
Posted by: Aetius451AD at May 25, 2026 11:05 AM (bss/y)
10
5 I've seen stories on X where student loans are a new source of fraud. Both citizens and foreigners will get the loans, maybe attend a class or two, drop out, disappear. It's just another government program to be raided.
Isn't that awesome!?!
Posted by: Lizzy at May 25, 2026 11:03
How does that help the fraudsters? The loans go directly to the school.
Isn't that awesome!?!
Posted by: Lizzy at May 25, 2026 11:03
How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
11
Hey, hey, keep your eyes off the endowments. That's OUR money!
Posted by: Uni's at May 25, 2026 11:06 AM (u/66v)
12
Obama's federalization of student loans turned every left-wing university into a Quality Learing Center. The fraud is the entire point, as are the make-work jobs for AWFLs (I saw recently that Yale has more administrators than undergrads, and many other universities are in a similar situation).
Posted by: Ian S. at May 25, 2026 11:07 AM (QZThv)
13
8 Buckles up for another vigorous discussion of whether or not Starbucks and DoorDash are responsible for the failure to launch of yutes today, assuming you still consider 40 to be young, which I do not.
Posted by: Archimedes at May 25, 2026 11:05 AM (Riz8t)
I think the root of it is relationships, to be honest. Getting your shit together so a woman will have you is a lot of the motive force of history.
That is a gigantic mess now.
Posted by: Archimedes at May 25, 2026 11:05 AM (Riz8t)
I think the root of it is relationships, to be honest. Getting your shit together so a woman will have you is a lot of the motive force of history.
That is a gigantic mess now.
Posted by: Aetius451AD at May 25, 2026 11:07 AM (bss/y)
14
Obama's federalization of student loans turned every left-wing university into a Quality Learing Center. The fraud is the entire point, as are the make-work jobs for AWFLs (I saw recently that Yale has more administrators than undergrads, and many other universities are in a similar situation).
I remember when he first proposed it. I said to my wife "they're just cultivating another group that owes them". I was right.
I remember when he first proposed it. I said to my wife "they're just cultivating another group that owes them". I was right.
Posted by: Archimedes at May 25, 2026 11:08 AM (Riz8t)
15
I've seen stories on X where student loans are a new source of fraud. Both citizens and foreigners will get the loans, maybe attend a class or two, drop out, disappear.
Huh. Attendance is optional at our school!
Huh. Attendance is optional at our school!
Posted by: Quality Learing Collige at May 25, 2026 11:08 AM (u/66v)
16
How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
May be different now, but I got money which I then paid to the school. May be different, I dunno. Or depending on the loan.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
May be different now, but I got money which I then paid to the school. May be different, I dunno. Or depending on the loan.
Posted by: Aetius451AD at May 25, 2026 11:08 AM (bss/y)
17
I think the root of it is relationships, to be honest. Getting your shit together so a woman will have you is a lot of the motive force of history.
I couldn't agree more, even if at the time, you weren't consciously thinking that.
I couldn't agree more, even if at the time, you weren't consciously thinking that.
Posted by: Archimedes at May 25, 2026 11:09 AM (Riz8t)
18
So the message is that if you do not own a home at 40, you’re a loser and a failure?
Posted by: Cow Demon at May 25, 2026 11:10 AM (T6aVk)
19
May be different now, but I got money which I then paid to the school. May be different, I dunno. Or depending on the loan.
Yup. My wife knew a guy in grad school who did nothing, but got "loans" which he used to invest in real estate. I very much doubt he ever paid back a penny, or got a degree.
Yup. My wife knew a guy in grad school who did nothing, but got "loans" which he used to invest in real estate. I very much doubt he ever paid back a penny, or got a degree.
Posted by: Archimedes at May 25, 2026 11:10 AM (Riz8t)
20
For profit colleges and universities were major contributors to GOP politicians.
Blue state NY officers free tuition to families earning less than $80,000
I go to City University of New York. Tuition is $5000. I get a 7k fedPell Grant and a 3k HESC State grant.CUNY gives me back $5000 per year.
I am over 75yo
Blue state NY officers free tuition to families earning less than $80,000
I go to City University of New York. Tuition is $5000. I get a 7k fedPell Grant and a 3k HESC State grant.CUNY gives me back $5000 per year.
I am over 75yo
Posted by: Paul at May 25, 2026 11:10 AM (httTc)
21
The colleges are predators and the stupid young students their prey.
In the end, the taxpayer will get it in the ass, which they can wipe with the useless diplomas given out.
In the end, the taxpayer will get it in the ass, which they can wipe with the useless diplomas given out.
Posted by: A Sucker Born Every Minute at May 25, 2026 11:10 AM (OoF9t)
22
I couldn't agree more, even if at the time, you weren't consciously thinking that.
Posted by: Archimedes at May 25, 2026 11:09 AM (Riz8t)
No, but women being choosy about who they mated with meant you had to stand out from the pack. It was a positive thing. The opposite of a perverse incentive.
Posted by: Archimedes at May 25, 2026 11:09 AM (Riz8t)
No, but women being choosy about who they mated with meant you had to stand out from the pack. It was a positive thing. The opposite of a perverse incentive.
Posted by: Aetius451AD at May 25, 2026 11:11 AM (bss/y)
23
Yeah, they send you off to college, try to gain a little knowledge
But all you want to do is learn how to score
But all you want to do is learn how to score
Posted by: Zombie Jimmy Buffett at May 25, 2026 11:11 AM (wVcYX)
24
So the message is that if you do not own a home at 40, you’re a loser and a failure?
No, for some people, it doesn't make sense. The message is that if you default on your obligations, and then expect other people to pay them off, you're a loser.
No, for some people, it doesn't make sense. The message is that if you default on your obligations, and then expect other people to pay them off, you're a loser.
Posted by: Archimedes at May 25, 2026 11:11 AM (Riz8t)
25
So the message is that if you do not own a home at 40, you’re a loser and a failure?
And stop posting recipes for poverty meals!
And stop posting recipes for poverty meals!
Posted by: Stephen Price Blair at May 25, 2026 11:12 AM (kYmoU)
26
A major cure would be the full privatization of student loans. Good luck.
Posted by: Cow Demon at May 25, 2026 11:12 AM (T6aVk)
27
Even our trolls are olds.
Posted by: Aetius451AD at May 25, 2026 11:12 AM (bss/y)
28
10 5 I've seen stories on X where student loans are a new source of fraud. Both citizens and foreigners will get the loans, maybe attend a class or two, drop out, disappear. It's just another government program to be raided.
Isn't that awesome!?!
Posted by: Lizzy at May 25, 2026 11:03
How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
No, not all loans go right to the schools...and for those that do, some schools are also fake and split the proceeds...
Isn't that awesome!?!
Posted by: Lizzy at May 25, 2026 11:03
How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
No, not all loans go right to the schools...and for those that do, some schools are also fake and split the proceeds...
Posted by: Nova Local at May 25, 2026 11:12 AM (tOcjL)
29
Lizzy wouldn't doubt it.
Wouldn't put it past those who plotted to have educaion loans go through government to have it all collapse some day
Wouldn't put it past those who plotted to have educaion loans go through government to have it all collapse some day
Posted by: Skip at May 25, 2026 11:12 AM (Ia/+0)
30
16 How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
May be different now, but I got money which I then paid to the school. May be different, I dunno. Or depending on the loan.
Posted by: Aetius451AD at May 25, 2026 11:08 AM
With my MBA, the money went directly to the school and if there wasn’t enough, I paid the difference. But maybe different loan programs, like you said.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
May be different now, but I got money which I then paid to the school. May be different, I dunno. Or depending on the loan.
Posted by: Aetius451AD at May 25, 2026 11:08 AM
With my MBA, the money went directly to the school and if there wasn’t enough, I paid the difference. But maybe different loan programs, like you said.
Posted by: Piper at May 25, 2026 11:12 AM (Wmg4n)
31
Odds paul took the brown acid..
Posted by: Reforger at May 25, 2026 11:13 AM (gbGyB)
32
No, but women being choosy about who they mated with meant you had to stand out from the pack. It was a positive thing. The opposite of a perverse incentive.
I'll never forget the first time after college a cute girl I knew in HS suddenly made it very clear that I was, in fact, desirable. It was a bolt out of the blue.
I'll never forget the first time after college a cute girl I knew in HS suddenly made it very clear that I was, in fact, desirable. It was a bolt out of the blue.
Posted by: Archimedes at May 25, 2026 11:13 AM (Riz8t)
33
Attn Cow Demon: The message is that if you are the type of person who aspires to home ownership, it’s a shame to start adulthood with a mortgage payment’s worth of student debt, which precludes buying a house.
Posted by: Buck Throckmorton at May 25, 2026 11:13 AM (d9Cw3)
34
My son incurred student debt. Not a "lot" but enough that it took him several years to pay it off while living at home with his mother. He's still there. Not enough left to rent or buy something.
*shrugs*
Choices. Some he made were poor.
*shrugs*
Choices. Some he made were poor.
Posted by: Martini Farmer at May 25, 2026 11:13 AM (jehhT)
35
How does that help the fraudsters? The loans go directly to the school.
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
But more importantly - Happy birthday, Piper!
Posted by: Piper at May 25, 2026 11:05 AM (Wmg4n)
But more importantly - Happy birthday, Piper!
Posted by: Boswell at May 25, 2026 11:13 AM (j10i6)
36
No, for some people, it doesn't make sense. The message is that if you default on your obligations, and then expect other people to pay them off, you're a loser.
Posted by: Archimedes at May 25, 2026 11:11 AM (Riz8t)
Wholeheartedly agree with that. For me, home ownership does not make sense - yet. But soon!
I never wanted to go through the hassle of owning a home knowing I would have to offload the thing in 3-5 years, I could buy a home for cheap here - good luck selling it in a place no one wants to move to.
Posted by: Archimedes at May 25, 2026 11:11 AM (Riz8t)
Wholeheartedly agree with that. For me, home ownership does not make sense - yet. But soon!
I never wanted to go through the hassle of owning a home knowing I would have to offload the thing in 3-5 years, I could buy a home for cheap here - good luck selling it in a place no one wants to move to.
Posted by: Cow Demon at May 25, 2026 11:14 AM (T6aVk)
37
I'll never forget the first time after college a cute girl I knew in HS suddenly made it very clear that I was, in fact, desirable. It was a bolt out of the blue.
Posted by: Archimedes at May 25, 2026 11:13 AM (Riz8t)
Yeah. It is jarring. Gal I knew in HS met up with in college and I'm thinking. 'I know you've met me before...'
Posted by: Archimedes at May 25, 2026 11:13 AM (Riz8t)
Yeah. It is jarring. Gal I knew in HS met up with in college and I'm thinking. 'I know you've met me before...'
Posted by: Aetius451AD at May 25, 2026 11:15 AM (bss/y)
38
Q: What's the dumbest thing you've ever done for money?
A: I took out a loan to go to school to get a job to pay off the loan.
A: I took out a loan to go to school to get a job to pay off the loan.
Posted by: Quarter Twenty at May 25, 2026 11:15 AM (2Ez/1)
39
Why don’t the schools bear the responsibility of student loans?
Posted by: nurse ratched at May 25, 2026 11:16 AM (A5RD0)
40
34 My son incurred student debt. Not a "lot" but enough that it took him several years to pay it off while living at home with his mother. He's still there. Not enough left to rent or buy something.
*shrugs*
Choices. Some he made were poor.
Posted by: Martini Farmer at May 25, 2026 11:13 AM (jehhT)
Most current entry level jobs for college grads are not gonna support buying a house in an area. I see nothing wrong with a kid staying home, saving and yet also paying some rent to mom and dad, making sure that when they jump, they jump for good.
*shrugs*
Choices. Some he made were poor.
Posted by: Martini Farmer at May 25, 2026 11:13 AM (jehhT)
Most current entry level jobs for college grads are not gonna support buying a house in an area. I see nothing wrong with a kid staying home, saving and yet also paying some rent to mom and dad, making sure that when they jump, they jump for good.
Posted by: Nova Local at May 25, 2026 11:16 AM (tOcjL)
41
31 Odds paul took the brown acid..
Posted by: Reforger at May 25, 2026 11:13 AM (gbGyB)
I am thinking pony tail with ZZ top beard. And bald spot.
Posted by: Reforger at May 25, 2026 11:13 AM (gbGyB)
I am thinking pony tail with ZZ top beard. And bald spot.
Posted by: Aetius451AD at May 25, 2026 11:16 AM (bss/y)
Posted by: Piper at May 25, 2026 11:16 AM (Wmg4n)
43
It's better to default on your mortgage than on your student loans.
25% penalty of the balance added if you default on the student loan.
With no discharge in bankruptcy.
OTOH, if these are real defaults, I hope it grows.
And destroys the student loan cartel.
25% penalty of the balance added if you default on the student loan.
With no discharge in bankruptcy.
OTOH, if these are real defaults, I hope it grows.
And destroys the student loan cartel.
Posted by: People's Hippo Voice at May 25, 2026 11:16 AM (73/SM)
44
Q: What's the dumbest thing you've ever done for money?
A: I took out a loan to go to school to get a job to pay off the loan.
Paid $25 when it's $20 in town.
A: I took out a loan to go to school to get a job to pay off the loan.
Paid $25 when it's $20 in town.
Posted by: Archimedes at May 25, 2026 11:16 AM (Riz8t)
45
38 Q: What's the dumbest thing you've ever done for money?
A: I took out a loan to go to school to get a job to pay off the loan.
Posted by: Quarter Twenty at May 25, 2026 11:15 AM (2Ez/1)
Yeah, the smart ones were Military or who took up a trade to be able to pay for school and then found they could make far more money at the trade without picking up the degree.
A: I took out a loan to go to school to get a job to pay off the loan.
Posted by: Quarter Twenty at May 25, 2026 11:15 AM (2Ez/1)
Yeah, the smart ones were Military or who took up a trade to be able to pay for school and then found they could make far more money at the trade without picking up the degree.
Posted by: Aetius451AD at May 25, 2026 11:17 AM (bss/y)
46
I went to ROTC. It was fun getting tuition bills for $50. : )
Posted by: Cow Demon at May 25, 2026 11:17 AM (T6aVk)
Posted by: mnw at May 25, 2026 11:18 AM (RCjYY)
48
Those of us who did college without loans or paid off our debt are already fucked, lets put that aside. No fixing it.
So, even though it benefits a lot of "studies" type liberal arts majors, I propose a twenty five percent or whatever is needed college endowment tax, to payoff all outstanding student loan debt, and such debt never again be considered.
The fact that this would hurt the Ivies and like private schools most compared to state institutions is just a happy little bonus.
So, even though it benefits a lot of "studies" type liberal arts majors, I propose a twenty five percent or whatever is needed college endowment tax, to payoff all outstanding student loan debt, and such debt never again be considered.
The fact that this would hurt the Ivies and like private schools most compared to state institutions is just a happy little bonus.
Posted by: From about That Time at May 25, 2026 11:19 AM (sl73Y)
49
My loans went directly to me, which then went to paying tuition.
After graduating, I had enough left over to order a sweet set of custom set of golf clubs from H&B -- PowerBilt Citations.
After graduating, I had enough left over to order a sweet set of custom set of golf clubs from H&B -- PowerBilt Citations.
Posted by: one hour sober at May 25, 2026 11:19 AM (J4Dwc)
50
Colleges should be nationalized and run by the federal government. Free for anyone to attend, even the illegal aliens. If it's good enough for health insurance, it should be good enough for the colleges, and outlaw private universities and colleges.
Call it CollegeCare or CollegeAid or FreeShit4U U.
Call it CollegeCare or CollegeAid or FreeShit4U U.
Posted by: Another Hit From The Bong at May 25, 2026 11:19 AM (OoF9t)
51
39 Why don’t the schools bear the responsibility of student loans?
Posted by: nurse ratched at May 25, 2026 11:16 AM (A5RD0)
Well, for ANY other loan the burden is carried by the bank and the purchaser (the student.) The banks have found ways through the government to shunt their risk, so the student bears almost all of the risk.
It IS odd to expect the manufacturer (in this case the school) to bear the burden for someone buying their product- but there are a lot of industries that have seemed to move into that type of situation. It is perverse.
Posted by: nurse ratched at May 25, 2026 11:16 AM (A5RD0)
Well, for ANY other loan the burden is carried by the bank and the purchaser (the student.) The banks have found ways through the government to shunt their risk, so the student bears almost all of the risk.
It IS odd to expect the manufacturer (in this case the school) to bear the burden for someone buying their product- but there are a lot of industries that have seemed to move into that type of situation. It is perverse.
Posted by: Aetius451AD at May 25, 2026 11:20 AM (bss/y)
52
In general according to Wallet Hub the states with highest student debt are Red states
The states with lowest student debt are blue states
Rich states vs poor states.
University of Vermont does have the highest tuition for residents.
But
Free tuition for students from families earning less than $100000
Socialism?
The states with lowest student debt are blue states
Rich states vs poor states.
University of Vermont does have the highest tuition for residents.
But
Free tuition for students from families earning less than $100000
Socialism?
Posted by: Paul at May 25, 2026 11:20 AM (httTc)
53
There's always getting a roommate, or subletting. Or is that sort of thing illegal now? (Not even snark, I wouldn't be surprised if there were some bullcrap law on the books in most cities making that kind of arrangement illegal because Racism or Equity or Florpblorp or whatever nonsense they concoct to justify wrecking everything)
Posted by: Warai-otoko at May 25, 2026 11:20 AM (Ot/FD)
54
49 My loans went directly to me, which then went to paying tuition.
After graduating, I had enough left over to order a sweet set of custom set of golf clubs from H&B -- PowerBilt Citations.
Posted by: one hour sober at May 25, 2026 11:19 AM (J4Dwc)
Forged?
After graduating, I had enough left over to order a sweet set of custom set of golf clubs from H&B -- PowerBilt Citations.
Posted by: one hour sober at May 25, 2026 11:19 AM (J4Dwc)
Forged?
Posted by: Aetius451AD at May 25, 2026 11:20 AM (bss/y)
55
Speaking of acoustic music, I thought this was interesting. Playing an ancient Greek lyre.
https://tinyurl.com/2ywm8kac
https://tinyurl.com/2ywm8kac
Posted by: Anonosaurus Wrecks, Fat, Dumb, and Happy at May 25, 2026 11:21 AM (ndZc7)
56
Back in the day, when I graduated college I owed less than $3,000. We learned early on to avoid credit card debt.
You want to never be able to buy a house? Student loans, car loans, credit card debt.
You want to never be able to buy a house? Student loans, car loans, credit card debt.
Posted by: no one of any consequense at May 25, 2026 11:22 AM (qFwJc)
57
Watching a bit of BoB, I think, ok pretty sure, for their realistic try, the night march the guys only had the helmet liners.
Rivots on outside are the giveaway
Rivots on outside are the giveaway
Posted by: Skip at May 25, 2026 11:22 AM (Ia/+0)
58
Speaking of acoustic music, I thought this was interesting. Playing an ancient Greek lyre.
https://tinyurl.com/2ywm8kac
Boring! I've substituted a saxaphone.
https://tinyurl.com/2ywm8kac
Boring! I've substituted a saxaphone.
Posted by: Christopher Nolan at May 25, 2026 11:23 AM (Riz8t)
59
After graduating, I had enough left over to order a sweet set of custom set of golf clubs from H&B -- PowerBilt Citations.
Posted by: one hour sober at May 25, 2026 11:19 AM (J4Dwc)
I personally think more business descisions get made on the golf course than anywhere else. Good investment.
Posted by: one hour sober at May 25, 2026 11:19 AM (J4Dwc)
I personally think more business descisions get made on the golf course than anywhere else. Good investment.
Posted by: Reforger at May 25, 2026 11:23 AM (gbGyB)
60
As usual, Paul makes a big claim, fails utterly to back it up, (WalletHub? Really?) and runs away.
Posted by: Archimedes at May 25, 2026 11:25 AM (Riz8t)
61
53 There's always getting a roommate, or subletting. Or is that sort of thing illegal now? (Not even snark, I wouldn't be surprised if there were some bullcrap law on the books in most cities making that kind of arrangement illegal because Racism or Equity or Florpblorp or whatever nonsense they concoct to justify wrecking everything)
Posted by: Warai-otoko at May 25, 2026 11:20 AM (Ot/FD)
Subletting is disallowed in most places...not sure if it's legality or other reasons for the disallowance...
Posted by: Warai-otoko at May 25, 2026 11:20 AM (Ot/FD)
Subletting is disallowed in most places...not sure if it's legality or other reasons for the disallowance...
Posted by: Nova Local at May 25, 2026 11:25 AM (tOcjL)
Posted by: one hour sober at May 25, 2026 11:25 AM (J4Dwc)
63
52. Let me take this opportunity to remind people they should not come to poor red states. I will speak specifically of my state- it’s hot garbage here. Raining like crazy, there will no doubt be alligators moving into the puddles just waiting to chomp you. I know a lot of you are sending your kids to SEC schools (Go Dawgs!) but maybe just send them to Vermont where the tuition is paid for by magical college tuition fairies!
Posted by: Piper at May 25, 2026 11:25 AM (p4NUW)
64
I personally think more business descisions get made on the golf course than anywhere else. Good investment.
Posted by: Reforger at May 25, 2026 11:23 AM (gbGyB)
This checks out.
Posted by: Reforger at May 25, 2026 11:23 AM (gbGyB)
This checks out.
Posted by: Al Czervik at May 25, 2026 11:25 AM (wVcYX)
65
LOL. And if your potential customer catches you cheating at golf, you can kiss that contract goodbye.
Posted by: no one of any consequense at May 25, 2026 11:25 AM (qFwJc)
66
Subletting is disallowed in most places...not sure if it's legality or other reasons for the disallowance...
Most people don't want it in their neighborhood because it attracts the poors and drives down property values. None of the group homes I once lived in were properly maintained.
Most people don't want it in their neighborhood because it attracts the poors and drives down property values. None of the group homes I once lived in were properly maintained.
Posted by: Archimedes at May 25, 2026 11:26 AM (Riz8t)
67
Yes, with persimmon woods
Posted by: one hour sober at May 25, 2026 11:25 AM (J4Dwc)
I almost regret not getting more into golf. It was relaxing and maddening. But I could never hit a forged club for shit. The toys were too expensive.
Posted by: one hour sober at May 25, 2026 11:25 AM (J4Dwc)
I almost regret not getting more into golf. It was relaxing and maddening. But I could never hit a forged club for shit. The toys were too expensive.
Posted by: Aetius451AD at May 25, 2026 11:27 AM (bss/y)
68
None of the group homes I once lived in were properly maintained.
Correlation or causation? Discuss.
Correlation or causation? Discuss.
Posted by: Archimedes at May 25, 2026 11:27 AM (Riz8t)
Posted by: one hour sober at May 25, 2026 11:27 AM (J4Dwc)
70
69 Forged
https://tinyurl.com/2up9ba66
Posted by: one hour sober at May 25, 2026 11:27 AM (J4Dwc)
Forged clubs are pretty.
https://tinyurl.com/2up9ba66
Posted by: one hour sober at May 25, 2026 11:27 AM (J4Dwc)
Forged clubs are pretty.
Posted by: Aetius451AD at May 25, 2026 11:29 AM (bss/y)
71
Shiny.
Posted by: Aetius451AD at May 25, 2026 11:29 AM (bss/y)
72
I had some student loans but not much. I worked two jobs during college and that paid rent and most of tuition. Working constantly while trying to finish my degree was difficult but was helped by being a bad student with terrible study habits and poor impulse control. I guess I meant hurt there. However when all was said and done I walked out with about 5K in loans which seemed like a lot at the time but didn't take very long to pay off with my first real job at Boeing.
Posted by: banana Dream at May 25, 2026 11:29 AM (3uBP9)
73
I want a fucking refund. I didn’t default on my student loan. I went back into the military and saved money by living in the barracks and making a $900 payment instead of a $90 payment. I REALLY could use that money now.
When I had to call them directly to get the exact payoff the guy was a little surprised, people don’t pay off their loans decades early, apparently.
Decent, peaceable honorable citizens & Taxpayers are just Chumps. To be fleeced. I hope and pray all these crooks in and out of government die in a fire.
When I had to call them directly to get the exact payoff the guy was a little surprised, people don’t pay off their loans decades early, apparently.
Decent, peaceable honorable citizens & Taxpayers are just Chumps. To be fleeced. I hope and pray all these crooks in and out of government die in a fire.
Posted by: Common Tater at May 25, 2026 11:29 AM (NxbtL)
74
Why don’t the schools bear the responsibility of student loans?
When student loans began, they were somewhat reasonable. You didn’t take a loan out from the government, it was from a local bank. I actually talked with the loan guy from the bank. And the amount was not very much. I think all told I ended up with $8,000 in loans, which ends up being about $24,000 in today’s money.
There was no reason for the school to be involved. I took out the loan and I got the money. That amount was quite doable, and was quite doable even though I was just going from odd job to odd job in the nineties figuring out what the hell I was doing.
Over time, schools (and probably students too, I don’t know) learned to game the system. The numbers skyrocketed and at some point, the system went from real loans to fake “loans” that, as far as I can tell, don’t even act as loans. It’s more like indentured servitude to the government.
But we still pretend that it’s the same system of real loans made understanding what the loan meant and that can be paid off in a reasonable time.
When student loans began, they were somewhat reasonable. You didn’t take a loan out from the government, it was from a local bank. I actually talked with the loan guy from the bank. And the amount was not very much. I think all told I ended up with $8,000 in loans, which ends up being about $24,000 in today’s money.
There was no reason for the school to be involved. I took out the loan and I got the money. That amount was quite doable, and was quite doable even though I was just going from odd job to odd job in the nineties figuring out what the hell I was doing.
Over time, schools (and probably students too, I don’t know) learned to game the system. The numbers skyrocketed and at some point, the system went from real loans to fake “loans” that, as far as I can tell, don’t even act as loans. It’s more like indentured servitude to the government.
But we still pretend that it’s the same system of real loans made understanding what the loan meant and that can be paid off in a reasonable time.
Posted by: Stephen Price Blair at May 25, 2026 11:30 AM (kYmoU)
75
If you were to introduce a new test for potential new hires today, you would be exposing yourself to Disparate Impact liability. Even with the full blessing of academia, with published peer-reviewed studies showing the test's demonstrated predictive power for job performance, it would still be at best only a defense to be used in a lawsuit, it would not prevent costly lawsuits in the first place.
But degrees are held to be different, because "tradition". They are, in fact, remarkably terrible predictors of job performance for the vast majority of jobs. They are in no way equitably distributed in terms of race and class. If you invented the university degree today, it would probably be *illegal* to use it as a criterion in hiring.
Part of the recipe for dismantling the student debt trap is to reverse this state of affairs. Let universities show their degree product performance due a given job - otherwise ban its use as a hiring criterion. Reverse our current law on Disparate Impact so employers can create their own skill tests without fear of lawsuits and without needing to beg academia for permission to bypass the latter's credential.
But degrees are held to be different, because "tradition". They are, in fact, remarkably terrible predictors of job performance for the vast majority of jobs. They are in no way equitably distributed in terms of race and class. If you invented the university degree today, it would probably be *illegal* to use it as a criterion in hiring.
Part of the recipe for dismantling the student debt trap is to reverse this state of affairs. Let universities show their degree product performance due a given job - otherwise ban its use as a hiring criterion. Reverse our current law on Disparate Impact so employers can create their own skill tests without fear of lawsuits and without needing to beg academia for permission to bypass the latter's credential.
Posted by: DaveL at May 25, 2026 11:31 AM (9w232)
76
But we still pretend that it’s the same system of real loans made understanding what the loan meant and that can be paid off in a reasonable time.
Posted by: Stephen Price Blair at May 25, 2026 11:30 AM (kYmoU)
Huh. Interesting way to look at it. In exchange for one lump payment, the government gets another income stream forever that cannot be released by bankruptcy and if someone pays the min each month, never goes away and is far in excess of the original lump sum.
Yeah, evil.
Posted by: Stephen Price Blair at May 25, 2026 11:30 AM (kYmoU)
Huh. Interesting way to look at it. In exchange for one lump payment, the government gets another income stream forever that cannot be released by bankruptcy and if someone pays the min each month, never goes away and is far in excess of the original lump sum.
Yeah, evil.
Posted by: Aetius451AD at May 25, 2026 11:32 AM (bss/y)
77
Yeah, the smart ones were Military or who took up a trade to be able to pay for school and then found they could make far more money at the trade without picking up the degree.
Posted by: Aetius451AD at May 25, 2026 11:17 AM (bss/y)
Yup. Or if they did go to school, it was to get a degree in a specific skill.
Posted by: Aetius451AD at May 25, 2026 11:17 AM (bss/y)
Yup. Or if they did go to school, it was to get a degree in a specific skill.
Posted by: Dr. Pork Chops & Bacons at May 25, 2026 11:33 AM (g8Ew8)
78
Usually left unstated - the reason student loans are not discharged in bankruptcy is because a huge cottage industry had emerged.
Colleges even offered courses on how to get your law degree and then immediately file for bankruptcy and renege on loan repayment. Congress decided that was not in keeping with the intent of college loan programs.
Colleges even offered courses on how to get your law degree and then immediately file for bankruptcy and renege on loan repayment. Congress decided that was not in keeping with the intent of college loan programs.
Posted by: Common Tater at May 25, 2026 11:33 AM (NxbtL)
79
Every once in awhile read how student loans have doubled every few years. No one paying for anything using monopoly money why not charge outrageous fees?
Posted by: Skip at May 25, 2026 11:34 AM (Ia/+0)
80
Well dang. It seems I must now pay for Grok inquiries by signing up for an account.
Posted by: Archimedes at May 25, 2026 11:34 AM (Riz8t)
81
>>I could never hit a forged club for shit.
I played a lot in college and for a few years afterward -- got good enough to hit forged irons and ballata-covered balls.
Haven't had the same skills for several decades now, but still enjoy playing in an old fogey league.
I played a lot in college and for a few years afterward -- got good enough to hit forged irons and ballata-covered balls.
Haven't had the same skills for several decades now, but still enjoy playing in an old fogey league.
Posted by: one hour sober at May 25, 2026 11:35 AM (J4Dwc)
82
I say put the universities on the hook for these loan defaults because fuck 'em.
Posted by: gKWVE at May 25, 2026 11:35 AM (gKWVE)
83
It isn't a college, that part seems to be still in operation, but the high school part of the Valley Forge Military school shutdown after like 97 years due to high costs, insurance. Roughly it cost $50G a year yo send a student there.
Posted by: Skip at May 25, 2026 11:36 AM (Ia/+0)
84
I'm easily frustrated. And golf seems to be the most frustrating sport. It's like basketball except the basket is a quarter mile away and you don't throw the ball you whack at it with a series of sticks. Yeah,... no.
Posted by: banana Dream at May 25, 2026 11:36 AM (3uBP9)
85
A degree told employers the candidate had a modicum of smarts, discipline and work ethic.
That is no longer true.
That is no longer true.
Posted by: Field Marshal Zhukov at May 25, 2026 11:38 AM (wBaIH)
86
…and if someone pays the min each month, never goes away and is far in excess of the original lump sum.
Yes, except that (others here will be more knowledgeable than I) I think the “loan” does go away after a specific period of time if certain conditions are meant, regardless of how much “remains” in the loan.
It gets ”forgiven”, an odd term given the rest of what goes on in the system.
Yes, except that (others here will be more knowledgeable than I) I think the “loan” does go away after a specific period of time if certain conditions are meant, regardless of how much “remains” in the loan.
It gets ”forgiven”, an odd term given the rest of what goes on in the system.
Posted by: Stephen Price Blair at May 25, 2026 11:39 AM (kYmoU)
87
A degree told employers the candidate had a modicum of smarts, discipline and work ethic.
That is no longer true.
Posted by: Field Marshal Zhukov at May 25, 2026 11:38 AM (wBaIH)
Truth.
That is no longer true.
Posted by: Field Marshal Zhukov at May 25, 2026 11:38 AM (wBaIH)
Truth.
Posted by: Dr. Pork Chops & Bacons at May 25, 2026 11:39 AM (g8Ew8)
88
84 I'm easily frustrated. And golf seems to be the most frustrating sport. It's like basketball except the basket is a quarter mile away and you don't throw the ball you whack at it with a series of sticks. Yeah,... no.
Posted by: banana Dream at May 25, 2026 11:36 AM (3uBP9)
1) Outside.
2) Difficult. You watch someone who's really good and feel like a clumsy buffoon (think Fred Couples.) So it takes effort and body control to get good (barring Daly.)
3) The toys add a level of OCD obsession.
4) You can drink while playing.
Posted by: banana Dream at May 25, 2026 11:36 AM (3uBP9)
1) Outside.
2) Difficult. You watch someone who's really good and feel like a clumsy buffoon (think Fred Couples.) So it takes effort and body control to get good (barring Daly.)
3) The toys add a level of OCD obsession.
4) You can drink while playing.
Posted by: Aetius451AD at May 25, 2026 11:39 AM (bss/y)
89
Thx Buck.
Make the colleges and universities pay half the loans out of their endowments. Then fire half of the administrative staff.
Make the colleges and universities pay half the loans out of their endowments. Then fire half of the administrative staff.
Posted by: Smell the Glove at May 25, 2026 11:39 AM (hpwtA)
90
And those are the costs for some podunk 4 year school.
The bigs, Notre Dame, Haahvaahhd, Yale, etc. will cost around 400-500k.
It's absurd, completely and utterly absurd.
The bigs, Notre Dame, Haahvaahhd, Yale, etc. will cost around 400-500k.
It's absurd, completely and utterly absurd.
Posted by: Thomas Bender at May 25, 2026 11:40 AM (XV/Pl)
91
I took out a small student loan in college mainly to buy car to get me back and forth to school. I paid for my own college but took 6 years. I would go back home and work in the oil refinery during the day and manage a pizza parlor at night for 6 months then go back to college. Rinse and repeat until graduation.
Posted by: Beartooth at May 25, 2026 11:40 AM (IYeV+)
92
A few uears ago there was a published list of colleges that would go under. Plenty of brand names, including Fordham.
Posted by: Field Marshal Zhukov at May 25, 2026 11:40 AM (wBaIH)
93
A degree told employers the candidate had a modicum of smarts, discipline and work ethic.
That is no longer true.
Now it tells them the candidate has novelty pronouns, wants to free Palestine, and thinks Kamala is super smart.
That is no longer true.
Now it tells them the candidate has novelty pronouns, wants to free Palestine, and thinks Kamala is super smart.
Posted by: Ian S. at May 25, 2026 11:40 AM (QZThv)
94
I skipped the whole school thing and went straight to the endless string of bad jobs part.
I am however about 20 months from debt free.
Not because of anything I did. I'm a moron. I gave the wife full financial control some 30 years ago and she's a wizard with money.
I am however about 20 months from debt free.
Not because of anything I did. I'm a moron. I gave the wife full financial control some 30 years ago and she's a wizard with money.
Posted by: Reforger at May 25, 2026 11:42 AM (gbGyB)
95
GI Bill. That's how kids should be paying for college. What Smash & I both used to get our Master's degrees. At the end, I was $5k short, and got a student loan for that amount. Smash's was similar.
GI Bill. That's how kids should be paying for college. What Smash & I both used to get our Master's degrees. At the end, I was $5k short, and got a student loan for that amount. Smash's was similar.
Posted by: BifBewalski - at May 25, 2026 11:42 AM (QVmho)
Posted by: Thomas Bender at May 25, 2026 11:42 AM (XV/Pl)
97
Go after the endowments.
Colleges and universities are selling a bill of goods, coasting off long histories while now providing a lemon education (like cars, not fit for purpose). Think of all the "Studies" courses, including the ones for actively-living entertainers.
Also, colleges are bearing almost no risk while reaping all the benefits. They get paid whether the student "lears" or not. Whether they graduate or flunk out. Even if the student should never have been accepted because they never graduated highschool at an actual high-school level, regardless of the piece of paper their principal gave.
The colleges get their money. The banks are on the hook. Except no, the banks get their money because the students can never default or go bankrupt.
And the students HAD to get a college degree because that became mandatory on resumes to get a decent job. Because employers couldn't test candidates, because RAAAACISM, so the degree became the replacement test.
Colleges and universities are selling a bill of goods, coasting off long histories while now providing a lemon education (like cars, not fit for purpose). Think of all the "Studies" courses, including the ones for actively-living entertainers.
Also, colleges are bearing almost no risk while reaping all the benefits. They get paid whether the student "lears" or not. Whether they graduate or flunk out. Even if the student should never have been accepted because they never graduated highschool at an actual high-school level, regardless of the piece of paper their principal gave.
The colleges get their money. The banks are on the hook. Except no, the banks get their money because the students can never default or go bankrupt.
And the students HAD to get a college degree because that became mandatory on resumes to get a decent job. Because employers couldn't test candidates, because RAAAACISM, so the degree became the replacement test.
Posted by: Another Anon at May 25, 2026 11:43 AM (4h45B)
98
I would go back home and work in the oil refinery during the day and manage a pizza parlor at night for 6 months then go back to college. Rinse and repeat until graduation.
I have a cousin who did the same, but as a trucker. He liked it so much he almost did it full-time after college. Probably a good thing he chose not to given how the trucking industry has been coopted by the illegal alien industry. The ruling class loves their indentured servants and continually find new ways to manufacture them.
I have a cousin who did the same, but as a trucker. He liked it so much he almost did it full-time after college. Probably a good thing he chose not to given how the trucking industry has been coopted by the illegal alien industry. The ruling class loves their indentured servants and continually find new ways to manufacture them.
Posted by: Stephen Price Blair at May 25, 2026 11:43 AM (kYmoU)
99
Not because of anything I did. I'm a moron. I gave the wife full financial control some 30 years ago and she's a wizard with money.
The fact that you recognize where you don't shine and your partner does, and your resultant willingness to let her be in charge of that aspect suggests strongly that you are NOT a moron.
The fact that you recognize where you don't shine and your partner does, and your resultant willingness to let her be in charge of that aspect suggests strongly that you are NOT a moron.
Posted by: Archimedes at May 25, 2026 11:44 AM (Riz8t)
100
Back in the day, you could attend CUNY, pay for it out of your pocket and live on your own in an apartment on minimum f***ing wage.
Posted by: Thomas Bender at May 25, 2026 11:44 AM (XV/Pl)
101
Boon: I gotta work on my game.
Otter: No, no, no, don't think of it as work. The whole point is just to enjoy yourself.
Otter: No, no, no, don't think of it as work. The whole point is just to enjoy yourself.
Posted by: Count de Monet at May 25, 2026 11:45 AM (wVcYX)
102
The fact that you recognize where you don't shine and your partner does, and your resultant willingness to let her be in charge of that aspect suggests strongly that you are NOT a moron.
Posted by: Archimedes at May 25, 2026 11:44 AM (Riz8t)
Objection! He comments here.
Posted by: Archimedes at May 25, 2026 11:44 AM (Riz8t)
Objection! He comments here.
Posted by: Aetius451AD at May 25, 2026 11:45 AM (bss/y)
103
I eschew the concept of debt. Paid my way through college back when it was affordable. We paid for our kids college (UT and A&M) while they went through and the fees started to skyrocket circa 2002 or so, that last year was painful. I can't imagine what it is now. Haven't had any debt of any kind in over 20 years.
Did I mention I hate debt?
Did I mention I hate debt?
Posted by: DanMan at May 25, 2026 11:45 AM (8uzBS)
104
You can view it as idyllic, but in the sense of survival of the species, keeping the women away from harm is the obvious thing to do. One man can impregnate lots of women, but children are generated one woman at a time. Face it guys, we're much more expendable.
---
This argument only makes sense in a polygamous society.
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
On the other side, the sexual revolution wasn't the hippy boomers, it started long before, when the post-war women had to compete for the good men remaining.
---
This argument only makes sense in a polygamous society.
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
On the other side, the sexual revolution wasn't the hippy boomers, it started long before, when the post-war women had to compete for the good men remaining.
Posted by: People's Hippo Voice at May 25, 2026 11:46 AM (73/SM)
105
D'Oh! Another climate change narrative bites the increasingly scarce dust.
Harsh climate scenarios have spent decades painting Earth's likely future landscape as dystopian, dark, barren and forbidding.
Yet, recent physical data argues exactly the opposite. Instead of plunging the planet into chaos, it's becoming eye-catchingly greener - and CO₂ is the key. The formal models predicted a scorched planet, but NASA satellites unleashed a world that is biologically thriving. This silent miracle of global greening isn't some theory, it's the physical reality captured by the orbiting space platforms; MODIS instruments on NASA's Terra and Aqua satellites.
https://tinyurl.com/3ycmdcff
Harsh climate scenarios have spent decades painting Earth's likely future landscape as dystopian, dark, barren and forbidding.
Yet, recent physical data argues exactly the opposite. Instead of plunging the planet into chaos, it's becoming eye-catchingly greener - and CO₂ is the key. The formal models predicted a scorched planet, but NASA satellites unleashed a world that is biologically thriving. This silent miracle of global greening isn't some theory, it's the physical reality captured by the orbiting space platforms; MODIS instruments on NASA's Terra and Aqua satellites.
https://tinyurl.com/3ycmdcff
Posted by: Archimedes at May 25, 2026 11:46 AM (Riz8t)
106
70 69 Forged
https://tinyurl.com/2up9ba66
Posted by: one hour sober at May 25, 2026 11:27 AM (J4Dwc)
Forged clubs are pretty.
especially when they're lovingly drop-forged out of melamine by slave labor.
https://tinyurl.com/2up9ba66
Posted by: one hour sober at May 25, 2026 11:27 AM (J4Dwc)
Forged clubs are pretty.
especially when they're lovingly drop-forged out of melamine by slave labor.
Posted by: xi the pooh at May 25, 2026 11:46 AM (qdr3M)
107
I went to a decent school, I don’t regret my undergrad or grad degree. I managed my career obsessively and I did well. It’s not impossible, but I do think you need to ensure you are looking at degrees in real subjects and being realistic in salary expectations on the front end. Or even what the salary pays for your chosen field.
Posted by: Piper at May 25, 2026 11:46 AM (p4NUW)
108
I gave the wife full financial control some 30 years ago and she's a wizard with money.
This used to be what was called a “traditional marriage”. Probably related to why something called “home economics” was taught in high schools and was mostly taken by girls.
Then “home economics” went away and instead of half the populating knowing how to run a household, no one did.
This used to be what was called a “traditional marriage”. Probably related to why something called “home economics” was taught in high schools and was mostly taken by girls.
Then “home economics” went away and instead of half the populating knowing how to run a household, no one did.
Posted by: Stephen Price Blair at May 25, 2026 11:47 AM (kYmoU)
109
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
Your argument presupposes that only losers who can't get women are in the military. I don't agree.
Your argument presupposes that only losers who can't get women are in the military. I don't agree.
Posted by: Archimedes at May 25, 2026 11:48 AM (Riz8t)
110
I'd say Animal House, Airplane and Blazing Saddles are the three greatest comedies, and they came out within 6 years of each other.
Posted by: Thomas Bender at May 25, 2026 11:48 AM (XV/Pl)
111
So in my 44 years since matriculation it appears that the cost of college is not the cost of education, but the cost of rules, regulations, diversity, equity, and inclusion.
The administration required to write the rules, enforce the standards, punish the innocent, and reward the lawless is most likely 3X to 4X the cost of teaching.
And that my friends, is in no way, a real education.
The administration required to write the rules, enforce the standards, punish the innocent, and reward the lawless is most likely 3X to 4X the cost of teaching.
And that my friends, is in no way, a real education.
Posted by: r hennigantx at May 25, 2026 11:48 AM (/+uur)
112
Objection! He comments here.
Posted by: Aetius451AD at May 25, 2026 11:45 AM (bss/y)
I'm the original moron.
Posted by: Aetius451AD at May 25, 2026 11:45 AM (bss/y)
I'm the original moron.
Posted by: Reforger at May 25, 2026 11:48 AM (gbGyB)
113
The best and simplest way to stop the explosive growth in student debt is to reverse Obama's policy in 2010 that effectively was a government takeover of the student loan program. Some of us warned at the time this would happen but we were ignored because the Lightbringer knew better.
In fact, I believe this was exactly what Obama intended because it was so obvious what would happen. When government started handing out loans to anyone with a pulse and guaranteeing them colleges did exactly what was expected and raised prices. A lot.
In fact, I believe this was exactly what Obama intended because it was so obvious what would happen. When government started handing out loans to anyone with a pulse and guaranteeing them colleges did exactly what was expected and raised prices. A lot.
Posted by: JackStraw at May 25, 2026 11:50 AM (viF8m)
114
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
Is polygamy ideal? Of course not. But when the survival of the species is at stake, it will be accepted.
(and I'm not too sure of how many men want a harem, lol)
Is polygamy ideal? Of course not. But when the survival of the species is at stake, it will be accepted.
Posted by: Archimedes at May 25, 2026 11:50 AM (Riz8t)
115
The administration required to write the rules, enforce the standards, punish the innocent, and reward the lawless is most likely 3X to 4X the cost of teaching.
Yeah. We can laugh at the days when “administration” was made up mostly of faculty forced to do a job they’d never been trained for. But at least they tended to focus on things that involved teaching and it gave them insight into how the administration—which is technically the link between faculty and the real world—worked.
Yeah. We can laugh at the days when “administration” was made up mostly of faculty forced to do a job they’d never been trained for. But at least they tended to focus on things that involved teaching and it gave them insight into how the administration—which is technically the link between faculty and the real world—worked.
Posted by: Stephen Price Blair at May 25, 2026 11:50 AM (kYmoU)
116
This argument only makes sense in a polygamous society.
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
On the other side, the sexual revolution wasn't the hippy boomers, it started long before, when the post-war women had to compete for the good men remaining.
Posted by: People's Hippo Voice at May 25, 2026 11:46 AM (73/SM)
Maybe in Europe does that hold true. But the American war demographic was very much different. Plenty of men came back to claim the women.
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
On the other side, the sexual revolution wasn't the hippy boomers, it started long before, when the post-war women had to compete for the good men remaining.
Posted by: People's Hippo Voice at May 25, 2026 11:46 AM (73/SM)
Maybe in Europe does that hold true. But the American war demographic was very much different. Plenty of men came back to claim the women.
Posted by: Dr. Pork Chops & Bacons at May 25, 2026 11:51 AM (g8Ew8)
117
But when the survival of the species is at stake, it will be accepted.
“The species” is overrated, and destroying Gaia. We’re better off without it.
“The species” is overrated, and destroying Gaia. We’re better off without it.
Posted by: Stephen Price Blair at May 25, 2026 11:51 AM (kYmoU)
118
Not because of anything I did. I'm a moron. I gave the wife full financial control some 30 years ago and she's a wizard with money.
same, I recall she wanted a newer car. I figured I could call my state employee credit union on Monday and get a loan. DanMa'am whips out a couple of checkbooks and paid for it on the spot.
same, I recall she wanted a newer car. I figured I could call my state employee credit union on Monday and get a loan. DanMa'am whips out a couple of checkbooks and paid for it on the spot.
Posted by: DanMan at May 25, 2026 11:51 AM (8uzBS)
119
Is polygamy ideal? Of course not. But when the survival of the species is at stake, it will be accepted.
I direct you to a documentary, Doctor Strangelove.
I direct you to a documentary, Doctor Strangelove.
Posted by: Archimedes at May 25, 2026 11:52 AM (Riz8t)
120
In fact, I believe this was exactly what Obama intended because it was so obvious what would happen. When government started handing out loans to anyone with a pulse and guaranteeing them colleges did exactly what was expected and raised prices. A lot.
Posted by: JackStraw at May 25, 2026 11:50 AM (viF8m)
Because it made it far more lucrative to run the schools (commies) and the schools in turn churn out nasty little ideologues (commies.)
In fact, I believe this was exactly what Obama intended because it was so obvious what would happen. When government started handing out loans to anyone with a pulse and guaranteeing them colleges did exactly what was expected and raised prices. A lot.
Posted by: JackStraw at May 25, 2026 11:50 AM (viF8m)
Because it made it far more lucrative to run the schools (commies) and the schools in turn churn out nasty little ideologues (commies.)
Posted by: Aetius451AD at May 25, 2026 11:52 AM (bss/y)
121
One of my kids is buying their first home, under the age of 40 by a few years, it has taken this long to pay off student loans.
Posted by: Debby Doberman Schultz at May 25, 2026 11:53 AM (0nHVk)
122
“The species” is overrated, and destroying Gaia. We’re better off without it.
That'll be enough out of you, zombie Paul Ehrlich.
That'll be enough out of you, zombie Paul Ehrlich.
Posted by: Archimedes at May 25, 2026 11:53 AM (Riz8t)
123
I majored in golf and minored in poker, also took enough classes to graduate.
Posted by: one hour sober at May 25, 2026 11:53 AM (J4Dwc)
124
117 But when the survival of the species is at stake, it will be accepted.
“The species” is overrated, and destroying Gaia. We’re better off without it.
Posted by: Stephen Price Blair at May 25, 2026 11:51 AM (kYmoU)
Which very well may be where you land if your harem includes multiples of me.
“The species” is overrated, and destroying Gaia. We’re better off without it.
Posted by: Stephen Price Blair at May 25, 2026 11:51 AM (kYmoU)
Which very well may be where you land if your harem includes multiples of me.
Posted by: Piper at May 25, 2026 11:53 AM (p4NUW)
125
Burn coal. It's organic.
Posted by: Boss Moss at May 25, 2026 11:54 AM (guBvG)
126
Then “home economics” went away and instead of half the populating knowing how to run a household, no one did.
Posted by: Stephen Price Blair at May 25, 2026 11:47 AM (kYmoU)
My senior year I took home ec as it was outside of the business school and therefore an Elective I needed.
You had to tech a 15 minute lesson to make and A in the class.
I taught a class on house financing. Even the prof loved the class and invited me to teach the class again the next semester (I gave her my slide deck).
It helped me about 10 years later as I bought a house with 2 loans to skip PMI and the savings paid the second personal loan off in about 5 years.
Posted by: Stephen Price Blair at May 25, 2026 11:47 AM (kYmoU)
My senior year I took home ec as it was outside of the business school and therefore an Elective I needed.
You had to tech a 15 minute lesson to make and A in the class.
I taught a class on house financing. Even the prof loved the class and invited me to teach the class again the next semester (I gave her my slide deck).
It helped me about 10 years later as I bought a house with 2 loans to skip PMI and the savings paid the second personal loan off in about 5 years.
Posted by: r hennigantx at May 25, 2026 11:54 AM (/+uur)
127
Because it made it far more lucrative to run the schools (commies) and the schools in turn churn out nasty little ideologues (commies.)
Also schools had become a jobs program for left-wing terrorists like Ayers and Dohrn.
Also schools had become a jobs program for left-wing terrorists like Ayers and Dohrn.
Posted by: Ian S. at May 25, 2026 11:54 AM (QZThv)
Posted by: Aetius451AD at May 25, 2026 11:56 AM (bss/y)
129
>>Because it made it far more lucrative to run the schools (commies) and the schools in turn churn out nasty little ideologues (commies.)
I've seen numerous reports on the ideological leanings of professors in universities and colleges. Most schools always bent a little to the left but now they are almost universally hard left. There are almost zero self-identified conservatives left in many schools.
And we see the results. They are now indoctrination centers for the far left.
I've seen numerous reports on the ideological leanings of professors in universities and colleges. Most schools always bent a little to the left but now they are almost universally hard left. There are almost zero self-identified conservatives left in many schools.
And we see the results. They are now indoctrination centers for the far left.
Posted by: JackStraw at May 25, 2026 11:56 AM (viF8m)
130
It’s so hard saving for a house. Fucking boomers.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
Anyway as I was saying….
- 27 year old
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
Anyway as I was saying….
- 27 year old
Posted by: Heroq at May 25, 2026 11:56 AM (nwGCR)
131
#128
I'm not here to do your work for you. When you make a claim, include a link, or STFU. This is not a difficult concept. But congrats on actually responding. It's outside your usual MO.
I'm not here to do your work for you. When you make a claim, include a link, or STFU. This is not a difficult concept. But congrats on actually responding. It's outside your usual MO.
Posted by: Archimedes at May 25, 2026 11:56 AM (Riz8t)
132
On the Obama loans notice that it is now the standard claim of every (D) candidate to FORGIVE the loans.
The State Takeover was created to make Big Govt a player that can hand out favors for more votes.
The State Takeover was created to make Big Govt a player that can hand out favors for more votes.
Posted by: r hennigantx at May 25, 2026 11:57 AM (/+uur)
133
100 Back in the day, you could attend CUNY, pay for it out of your pocket and live on your own in an apartment on minimum f***ing wage.
Posted by: Thomas Bender at May 25, 2026 11:44 AM (XV/Pl)
Those days are long gone, and a lot of people need to stop pretending they aren't. Our Betters™ made this system what it is now and folks better wake up. And we don't need a half million Chinese to prop up this shit deal that's fucking Americans over, we need these worthless diploma machines to die off to the point they are forced to make college degrees worth something again.
Posted by: Thomas Bender at May 25, 2026 11:44 AM (XV/Pl)
Those days are long gone, and a lot of people need to stop pretending they aren't. Our Betters™ made this system what it is now and folks better wake up. And we don't need a half million Chinese to prop up this shit deal that's fucking Americans over, we need these worthless diploma machines to die off to the point they are forced to make college degrees worth something again.
Posted by: Doesn't have a catchy acronym though at May 25, 2026 11:57 AM (TbWk/)
134
On a whim, because I had gelatin and coffee right there, I made coffee jello.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Next time I will try shredding some carrot in.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Next time I will try shredding some carrot in.
Posted by: Kindltot at May 25, 2026 11:57 AM (rbvCR)
135
135 On a whim, because I had gelatin and coffee right there, I made coffee jello.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Next time I will try shredding some carrot in.
Posted by: Kindltot at May 25, 2026 11:57 AM (rbvCR)
Huh. Caffeine Jello shots.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Next time I will try shredding some carrot in.
Posted by: Kindltot at May 25, 2026 11:57 AM (rbvCR)
Huh. Caffeine Jello shots.
Posted by: Aetius451AD at May 25, 2026 11:58 AM (bss/y)
136
Your argument presupposes that only losers who can't get women are in the military. I don't agree.
---
Not at all.
When there is a surplus of men, they have to compete for the women.
Joining the army is a good way to up your value.
Fighting in a war is even better. So these young men may agitate for war.
Biological risk-reward; considered worth it even to top reproductive prospects.
---
Not at all.
When there is a surplus of men, they have to compete for the women.
Joining the army is a good way to up your value.
Fighting in a war is even better. So these young men may agitate for war.
Biological risk-reward; considered worth it even to top reproductive prospects.
Posted by: People's Hippo Voice at May 25, 2026 11:59 AM (73/SM)
137
112 Objection! He comments here.
Posted by: Aetius451AD at May 25, 2026 11:45 AM (bss/y)
I'm the original moron.
Posted by: Reforger at May 25, 2026 11:48 AM (gbGyB)
I mostly lurk but, I thought the hoard was comprised of Morons?
Posted by: Aetius451AD at May 25, 2026 11:45 AM (bss/y)
I'm the original moron.
Posted by: Reforger at May 25, 2026 11:48 AM (gbGyB)
I mostly lurk but, I thought the hoard was comprised of Morons?
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
138
Posted by: Paul at May 25, 2026 11:58 AM (dROkN)
Or illegal immigrants. So, the commies get rich by exploiting the poors. So egalitarian.
Or illegal immigrants. So, the commies get rich by exploiting the poors. So egalitarian.
Posted by: Aetius451AD at May 25, 2026 11:59 AM (bss/y)
139
One of can't even read.
Posted by: Boss Moss at May 25, 2026 12:00 PM (guBvG)
140
Gen X will soon be playing the Role of Emmanuel Goldstein.
Posted by: tubal at May 25, 2026 12:01 PM (Gqar8)
141
Heard a caller to Dave Ramsey once who had just flunked out of medical school and had $250k of medical school loans to pay off.
Posted by: Bertram Cabot, Jr. at May 25, 2026 12:01 PM (Cqx++)
142
When there is a surplus of men, they have to compete for the women.
Joining the army is a good way to up your value.
Fighting in a war is even better. So these young men may agitate for war.
Biological risk-reward; considered worth it even to top reproductive prospects.
Unless you're one of those killed in combat. You said exactly that.
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
Joining the army is a good way to up your value.
Fighting in a war is even better. So these young men may agitate for war.
Biological risk-reward; considered worth it even to top reproductive prospects.
Unless you're one of those killed in combat. You said exactly that.
But, TBH, wars just kill off the surplus men who weren't likely reproducing anyway.
Posted by: Archimedes at May 25, 2026 12:01 PM (Riz8t)
143
I mostly lurk but, I thought the hoard was comprised of Morons?
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
It goes way back to "new comment thingy".
You had to be there.
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
It goes way back to "new comment thingy".
You had to be there.
Posted by: Reforger at May 25, 2026 12:02 PM (gbGyB)
144
The median (not average) student t loan debt at graduation is $30k. Not $300k like the media would have you believe.
Are there edge cases of $300k? Sure. But that’s just a stupid thing to do. In my state, even with no scholarships or aid, one can get a degree in state tuition, room and board, the works for about $20k a year. Work part time during school, and full time in summer and at worst you’re $40k in debt at graduation. And almost everyone gets some kind of aid/scholarship.
That’s one option. Or you can go to a $70k a year private school and graduate with $250k debt. If you choose tho option well sorry I have no sympathy for you.
Are there edge cases of $300k? Sure. But that’s just a stupid thing to do. In my state, even with no scholarships or aid, one can get a degree in state tuition, room and board, the works for about $20k a year. Work part time during school, and full time in summer and at worst you’re $40k in debt at graduation. And almost everyone gets some kind of aid/scholarship.
That’s one option. Or you can go to a $70k a year private school and graduate with $250k debt. If you choose tho option well sorry I have no sympathy for you.
Posted by: Heroq at May 25, 2026 12:02 PM (nwGCR)
145
So I guess it's an argument, that, if woman want monogamy and marriage, they'll have to be willing to die in war?
(and I'm not too sure of how many men want a harem, lol)
This only works for Kings and other types of despots who can have them beheaded or imprisoned for disrespect, cheating, fighting, frigidity, etc. Otherwise it would be a neverending cycle of them giving you headaches and them having "headaches."
(and I'm not too sure of how many men want a harem, lol)
This only works for Kings and other types of despots who can have them beheaded or imprisoned for disrespect, cheating, fighting, frigidity, etc. Otherwise it would be a neverending cycle of them giving you headaches and them having "headaches."
Posted by: Not appealing to an ordinary guy at May 25, 2026 12:02 PM (TbWk/)
146
Band of Brothers is on AMC. Still great TV
Posted by: Smell the Glove at May 25, 2026 12:02 PM (hpwtA)
147
Savings is destroyed by inflation. Stocks is a casino. Bonds are a Ponzi scheme.
"save for the future kids, you can get 3.8% interest and that will set you up just fine because the official inflation rate is 3.8% and you just have to pay the taxes on the interest income"
"save for the future kids, you can get 3.8% interest and that will set you up just fine because the official inflation rate is 3.8% and you just have to pay the taxes on the interest income"
Posted by: Kindltot at May 25, 2026 12:02 PM (rbvCR)
148
Gen X will soon be playing the Role of Emmanuel Goldstein.
Posted by: tubal
We boomers will be glad to pass that torch.
Gen X will soon be playing the Role of Emmanuel Goldstein.
Posted by: tubal
We boomers will be glad to pass that torch.
Posted by: Bertram Cabot, Jr. at May 25, 2026 12:02 PM (Cqx++)
149
143 Heard a caller to Dave Ramsey once who had just flunked out of medical school and had $250k of medical school loans to pay off.
Posted by: Bertram Cabot, Jr. at May 25, 2026 12:01 PM (Cqx++)
You're right fucked.
-Mirror Universe Dave Ramsey
Posted by: Bertram Cabot, Jr. at May 25, 2026 12:01 PM (Cqx++)
You're right fucked.
-Mirror Universe Dave Ramsey
Posted by: Aetius451AD at May 25, 2026 12:03 PM (bss/y)
150
The Marxists promised free education, and the Auto-Pen administration tried to give them that
Posted by: Skip at May 25, 2026 11:02 AM (Ia/+0)
The Marxists demanded that the Proles labor to provide them their desires, and the Auto-Pen administration tried to give them that.
Posted by: Skip at May 25, 2026 11:02 AM (Ia/+0)
The Marxists demanded that the Proles labor to provide them their desires, and the Auto-Pen administration tried to give them that.
Posted by: I used to have a different nic at May 25, 2026 12:03 PM (ExV1e)
151
Gen X will soon be playing the Role of Emmanuel Goldstein.
Gen X gets ignored for everything. I've already seen indications of Goldstein status skipping over to the Millennials.
Gen X gets ignored for everything. I've already seen indications of Goldstein status skipping over to the Millennials.
Posted by: Ian S. at May 25, 2026 12:03 PM (QZThv)
152
That shot that leaves a scar seems to keep many of them from reaching 50.
Posted by: Boss Moss at May 25, 2026 12:03 PM (guBvG)
153
Back in the day, you could attend CUNY, pay for it out of your pocket and live on your own in an apartment on minimum f***ing wage.
--
An old attorney I knew told me how he attended University of Texas, the only law school in the state at the time IIRC, for ... $25 ... a semester.
Not per class, per semester.
IDK what it is now, but if it's $25k a semester, I'd not be surprised.
I like the ouroboros of colleges producing worthless degrees then hiring those worthless degrees to produce more worthless degrees.
See Yale having more admin than students now.
--
An old attorney I knew told me how he attended University of Texas, the only law school in the state at the time IIRC, for ... $25 ... a semester.
Not per class, per semester.
IDK what it is now, but if it's $25k a semester, I'd not be surprised.
I like the ouroboros of colleges producing worthless degrees then hiring those worthless degrees to produce more worthless degrees.
See Yale having more admin than students now.
Posted by: People's Hippo Voice at May 25, 2026 12:03 PM (73/SM)
154
I mostly lurk but, I thought the hoard was comprised of Morons?
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
Exactly. quod erat demonstrandum.
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
Exactly. quod erat demonstrandum.
Posted by: Aetius451AD at May 25, 2026 12:04 PM (bss/y)
155
I went Gault six years ago.
Posted by: Boss Moss at May 25, 2026 12:04 PM (guBvG)
156
On a whim, because I had gelatin and coffee right there, I made coffee jello.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Coffee jelly (basically coffee Jello) is a popular dessert in Japan.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
Coffee jelly (basically coffee Jello) is a popular dessert in Japan.
Posted by: Learned from Saiki K. at May 25, 2026 12:04 PM (TbWk/)
157
102 The fact that you recognize where you don't shine and your partner does, and your resultant willingness to let her be in charge of that aspect suggests strongly that you are NOT a moron.
Posted by: Archimedes at May 25, 2026 11:44 AM (Riz8t)
Objection! He comments here.
Double Objection!! Commenting here makes him a Moron
Posted by: Archimedes at May 25, 2026 11:44 AM (Riz8t)
Objection! He comments here.
Double Objection!! Commenting here makes him a Moron
Posted by: Admirale's Mate at May 25, 2026 12:05 PM (/enuJ)
158
It’s so hard saving for a house. Fucking boomers.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
Anyway as I was saying….
- 27 year old
Posted by: Heroq at May 25, 2026 11:56 AM (nwGCR)
Now, now.
That parts true but we didn't have Blackrock buying up family homes by the gross and driving up p[rices as they reduce supply, We didn't have the double whammy of both Obama and Biden murdering the economy, we didn't have Biden driving inflation to insane levels, we didn't have rampant uncontrolled gov't funding of open borders and illegal aliens to eat up apartments and homes again reducing supply.
I feel sorry for them however, they do keep voting for Democrats, who murder their economic welfare with insane taxation, which is weird but that's what I see and hear from most young folks of family and house buying age.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
Anyway as I was saying….
- 27 year old
Posted by: Heroq at May 25, 2026 11:56 AM (nwGCR)
Now, now.
That parts true but we didn't have Blackrock buying up family homes by the gross and driving up p[rices as they reduce supply, We didn't have the double whammy of both Obama and Biden murdering the economy, we didn't have Biden driving inflation to insane levels, we didn't have rampant uncontrolled gov't funding of open borders and illegal aliens to eat up apartments and homes again reducing supply.
I feel sorry for them however, they do keep voting for Democrats, who murder their economic welfare with insane taxation, which is weird but that's what I see and hear from most young folks of family and house buying age.
Posted by: naturalfake at May 25, 2026 12:05 PM (iJfKG)
159
The yuutes are lumping GenX and boomers together now. Basically anyone older than them (even some millennial) are boomers. When it’s pointed out to them it’s retarded to call a 45 year old a boomer,, they reply with “yeah well they have a boomer mindset”.
Posted by: Heroq at May 25, 2026 12:05 PM (nwGCR)
160
Blaming others for one’s shit circumstances has been a standard practice for forever. I suppose there’s a reason for it to be so prevalent.
Posted by: tubal at May 25, 2026 12:05 PM (Gqar8)
161
Norman: Coordinate!
Posted by: Aetius451AD at May 25, 2026 12:05 PM (bss/y)
162
Reminds me of a real Star Trek episode.
Posted by: Boss Moss at May 25, 2026 12:06 PM (guBvG)
163
Blackrock owns less that 1% of homes in the US. More like 0.1%. Can we please stop with that?
Posted by: Heroq at May 25, 2026 12:06 PM (nwGCR)
Posted by: Aetius451AD at May 25, 2026 12:07 PM (bss/y)
165
The big companies manage far more residential realestate than they own.
Posted by: Boss Moss at May 25, 2026 12:07 PM (guBvG)
166
Isn't it Blackstone or something that Blackrock has a controlling interest in?
Posted by: Aetius451AD at May 25, 2026 12:08 PM (bss/y)
167
You let 10s of millions of illegals into the country and guess what happens to the price of housing.
Posted by: JackStraw at May 25, 2026 12:08 PM (viF8m)
168
135 On a whim, because I had gelatin and coffee right there, I made coffee jello.
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
have you considered a suppository?
I must say, I probably should have mixed some half-and-half in with it. It is however the most efficient way to get a caffeine buzz if you don't care much about the flavor.
have you considered a suppository?
Posted by: anachronda at May 25, 2026 12:08 PM (qdr3M)
169
Garnish their wages and seize their assets. Anyone who took out loans is responsible for their debt. I'm sick of these grifting brats with their brand new phones and expensive lattes
Posted by: night lifted at May 25, 2026 12:08 PM (kJmLc)
170
I've seen numerous reports on the ideological leanings of professors in universities and colleges. Most schools always bent a little to the left but now they are almost universally hard left. There are almost zero self-identified conservatives left in many schools.
--
There's now a chart that shows how hard left the "blue" jobs are vs. how hard right the "red" jobs are.
And it's not just how much more left the blue ones are, 90% plus with no job similarly skewed on the right, it's that they now don't even include moderates.
Colleges and all the social science jobs have driven out even the moderates, let alone the conservatives.
--
There's now a chart that shows how hard left the "blue" jobs are vs. how hard right the "red" jobs are.
And it's not just how much more left the blue ones are, 90% plus with no job similarly skewed on the right, it's that they now don't even include moderates.
Colleges and all the social science jobs have driven out even the moderates, let alone the conservatives.
Posted by: People's Hippo Voice at May 25, 2026 12:09 PM (73/SM)
Posted by: anachronda at May 25, 2026 12:09 PM (qdr3M)
172
have you considered a suppository?
Posted by: anachronda at May 25, 2026 12:08 PM (qdr3M)
Butt chugging hot black coffee seems like a poor idea.
Unless you are Pete Buttigeg and it's a euphemism.
Posted by: anachronda at May 25, 2026 12:08 PM (qdr3M)
Butt chugging hot black coffee seems like a poor idea.
Unless you are Pete Buttigeg and it's a euphemism.
Posted by: Aetius451AD at May 25, 2026 12:09 PM (bss/y)
173
I find it so weird how young people are obsessed with people older than them. When I was in my 20s I had zero views on “old people”. I didn’t care what my boss made either. My focus was on what I made and what I had to do to make more.
The kids have been brainwashed by the left into an us vs them mentality. It’s corrosive.
The kids have been brainwashed by the left into an us vs them mentality. It’s corrosive.
Posted by: Heroq at May 25, 2026 12:09 PM (nwGCR)
174
Blackrock owns less that 1% of homes in the US. More like 0.1%. Can we please stop with that?
Posted by: Heroq at May 25, 2026 12:06 PM (nwGCR)
How many of the housing coming on the market is bid up by investment companies looking for safe haven for their money? That is more important that who owns it.
"the price of gold is not based on how much there is or who owns it, the price of gold is based on what people are willing to pay to get more of it"
Posted by: Heroq at May 25, 2026 12:06 PM (nwGCR)
How many of the housing coming on the market is bid up by investment companies looking for safe haven for their money? That is more important that who owns it.
"the price of gold is not based on how much there is or who owns it, the price of gold is based on what people are willing to pay to get more of it"
Posted by: Kindltot at May 25, 2026 12:09 PM (rbvCR)
175
I love HGTV shows, but I wonder if they have set up a very unrealistic expectation of home buying. My first house was 1200sq feet - 3 beds. 2 baths, kitchen and a very small living room.
Posted by: Piper at May 25, 2026 12:10 PM (p4NUW)
176
Bad decisions lead to bad consequences. That’s the part that gets a lot of people to stamping their little feet. Just another variation of “ It’s Not Fair”!
Posted by: tubal at May 25, 2026 12:10 PM (Gqar8)
177
156 I mostly lurk but, I thought the hoard was comprised of Morons?
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
Exactly. quod erat demonstrandum.
quod erat is best erat
Posted by: Admirale's Mate at May 25, 2026 11:59 AM (/enuJ)
Exactly. quod erat demonstrandum.
quod erat is best erat
Posted by: anachronda at May 25, 2026 12:10 PM (qdr3M)
178
Who speaks Elvish?
Posted by: Boss Moss at May 25, 2026 12:11 PM (guBvG)
179
Exactly. quod erat demonstrandum.
quod erat is best erat
Posted by: anachronda at May 25, 2026 12:10 PM (qdr3M)
Can't get the D without the Q & E!
quod erat is best erat
Posted by: anachronda at May 25, 2026 12:10 PM (qdr3M)
Can't get the D without the Q & E!
Posted by: Sandra Fluke at May 25, 2026 12:11 PM (bss/y)
180
Blackrock owns less that 1% of homes in the US. More like 0.1%. Can we please stop with that?
Posted by: Heroq at May 25, 2026 12:06 PM (nwGCR)
No.
Even if that's true. Blackrock doesn't pull out a huge map and say, "Oh, look we haven't bought 1% of the homes in Frog's Butt, Alabama. Time to get one.'
No, Blackrock buys family homes in high demand areas, which magnifies the problem and the cost factors.
That's one of those meaningless statistics because it doesn't tell the circumstances so it's basically a lie.
Blackrock owns less that 1% of homes in the US. More like 0.1%. Can we please stop with that?
Posted by: Heroq at May 25, 2026 12:06 PM (nwGCR)
No.
Even if that's true. Blackrock doesn't pull out a huge map and say, "Oh, look we haven't bought 1% of the homes in Frog's Butt, Alabama. Time to get one.'
No, Blackrock buys family homes in high demand areas, which magnifies the problem and the cost factors.
That's one of those meaningless statistics because it doesn't tell the circumstances so it's basically a lie.
Posted by: naturalfake at May 25, 2026 12:11 PM (iJfKG)
181
177 I love HGTV shows, but I wonder if they have set up a very unrealistic expectation of home buying. My first house was 1200sq feet - 3 beds. 2 baths, kitchen and a very small living room.
Posted by: Piper at May 25, 2026 12:10 PM (p4NUW)
And as Ace pointed out, brat seem to think they need expensive ingredients and cookware to make simple meals or that simple meals are beneath them.
Posted by: Piper at May 25, 2026 12:10 PM (p4NUW)
And as Ace pointed out, brat seem to think they need expensive ingredients and cookware to make simple meals or that simple meals are beneath them.
Posted by: night lifted at May 25, 2026 12:12 PM (kJmLc)
182
Who speaks Elvish?
Posted by: Boss Moss at May 25, 2026 12:11 PM (guBvG)
Elvish hash left the building, man.
Posted by: Boss Moss at May 25, 2026 12:11 PM (guBvG)
Elvish hash left the building, man.
Posted by: Uh huh at May 25, 2026 12:12 PM (TbWk/)
183
180 Who speaks Elvish?
Posted by: Boss Moss at May 25, 2026 12:11 PM (guBvG)
Go to a Renaissance Faire, or a Comic-con.
Posted by: Boss Moss at May 25, 2026 12:11 PM (guBvG)
Go to a Renaissance Faire, or a Comic-con.
Posted by: tubal at May 25, 2026 12:12 PM (Gqar8)
184
How many of the housing coming on the market is bid up by investment companies looking for safe haven for their money? That is more important that who owns it.
—
Much less than you think. The vast majority of “investors” are mom and pop landlords who own a condo or two and rent out. It’s not the big bad evil Wall St investors.
Small Investors (1–5 homes): Account for about 85% of all investor-owned properties.
Mid-Tier Investors (6–10 properties): Make up another 5%.
Institutional Investors (1,000+ homes): Account for only about 2.2% of investor-owned homes,
—
Much less than you think. The vast majority of “investors” are mom and pop landlords who own a condo or two and rent out. It’s not the big bad evil Wall St investors.
Small Investors (1–5 homes): Account for about 85% of all investor-owned properties.
Mid-Tier Investors (6–10 properties): Make up another 5%.
Institutional Investors (1,000+ homes): Account for only about 2.2% of investor-owned homes,
Posted by: Heroq at May 25, 2026 12:12 PM (nwGCR)
185
My first instinct on these student loans is to say "no duh" to people with a philosophy major or equivalent, but I do find a modicum of sympathy at times for 18 year olds who were sold a bill of goods, go to college and you'll be totally successful. As it turns out, even the learn to code and many STEM students are going to be screwed.
Not to mention plenty of studies that say federal student loans actually increase tuition.
Not to mention plenty of studies that say federal student loans actually increase tuition.
Posted by: Guy Mohawk at May 25, 2026 12:13 PM (n5tGW)
186
It’s so hard saving for a house. Fucking boomers.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
--
Don't forget the $500 iPhones. But I will say, as a mom of a 29-year old, it's very hard to save for a down payment for a mortgage when you're shelling out in the neighborhood of $1100-1500/mo. for a small apartment.
We let Jr. Black move home for a couple years to get him out of that burning money pit of apartment living. He'll likely be able to get a really good down payment on a house in the next few months when he's 30. He'll be in a lot better shape than many in his age bracket. It doesn't hurt that his student loans were paid off. He didn't take out exorbitant loans for a stupid, useless degree. He has a master's in accounting, and both he and Mr. Black and I helped him zero out his college loans.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
--
Don't forget the $500 iPhones. But I will say, as a mom of a 29-year old, it's very hard to save for a down payment for a mortgage when you're shelling out in the neighborhood of $1100-1500/mo. for a small apartment.
We let Jr. Black move home for a couple years to get him out of that burning money pit of apartment living. He'll likely be able to get a really good down payment on a house in the next few months when he's 30. He'll be in a lot better shape than many in his age bracket. It doesn't hurt that his student loans were paid off. He didn't take out exorbitant loans for a stupid, useless degree. He has a master's in accounting, and both he and Mr. Black and I helped him zero out his college loans.
Posted by: Lady in Black at May 25, 2026 12:13 PM (qBdHI)
187
have you considered a suppository?
Posted by: anachronda at May 25, 2026 12:08 PM (qdr3M)
Just hook it to my veins, man.
Posted by: anachronda at May 25, 2026 12:08 PM (qdr3M)
Just hook it to my veins, man.
Posted by: Kindltot at May 25, 2026 12:13 PM (rbvCR)
Posted by: mindful webworker - the star spangled banner still waves at May 25, 2026 12:13 PM (0poB+)
189
169 You let 10s of millions of illegals into the country and guess what happens to the price of housing.
Posted by: JackStraw at May 25, 2026 12:08 PM (viF8m)
Precisely. And let foreigners take a great number of college slots and ore bullshit ensues.
Posted by: JackStraw at May 25, 2026 12:08 PM (viF8m)
Precisely. And let foreigners take a great number of college slots and ore bullshit ensues.
Posted by: night lifted at May 25, 2026 12:14 PM (kJmLc)
190
I feel sorry for them however, they do keep voting for Democrats, who murder their economic welfare with insane taxation, which is weird but that's what I see and hear from most young folks of family and house buying age.
---
Consider that since Reagan's "a choice not a echo" most of the elected Republicans have offered ... the echo, I can see why.
And look at severely conservative conservatives of ... Cassidy, Tillis, Cornyn et al.
They are third and forth reverbs of the echo.
Trump, MAGA and America First are the choice.
yet another reason Republicans hate him.
---
Consider that since Reagan's "a choice not a echo" most of the elected Republicans have offered ... the echo, I can see why.
And look at severely conservative conservatives of ... Cassidy, Tillis, Cornyn et al.
They are third and forth reverbs of the echo.
Trump, MAGA and America First are the choice.
yet another reason Republicans hate him.
Posted by: People's Hippo Voice at May 25, 2026 12:14 PM (73/SM)
191
As it turns out, even the learn to code and many STEM students are going to be screwed.
Truth. If companies are smart, they'll start hiring those people who went to college and got real degrees in challenging subjects instead of coasting.
Truth. If companies are smart, they'll start hiring those people who went to college and got real degrees in challenging subjects instead of coasting.
Posted by: Archimedes at May 25, 2026 12:14 PM (Riz8t)
192
Right. They form local monopolies where there is demand. Not everywhere. We have one locally. Buying up things and running others they don't own. You wind up paying big city rent.
Posted by: Boss Moss at May 25, 2026 12:15 PM (guBvG)
193
I am not really comfortable with the “ Conservative” label anymore.
Posted by: tubal at May 25, 2026 12:15 PM (Gqar8)
194
Investors buying that unloved house, prettying it up, and making it a rental or a resale add about 1.5% market value to all houses with 4 or 5 blocks within the next year.
Posted by: r hennigantx at May 25, 2026 12:15 PM (/+uur)
195
Go to a Renaissance Faire, or a Comic-con.
Posted by: tubal at May 25, 2026 12:12 PM (Gqar
Hell no.
Posted by: tubal at May 25, 2026 12:12 PM (Gqar
Hell no.
Posted by: Reforger at May 25, 2026 12:16 PM (gbGyB)
196
I love HGTV shows, but I wonder if they have set up a very unrealistic expectation of home buying.
Depends heavily on the specific show. And I applaud those expectations to the extent that it really pisses off the Marxist urbanists who want to cram everyone into a box.
Depends heavily on the specific show. And I applaud those expectations to the extent that it really pisses off the Marxist urbanists who want to cram everyone into a box.
Posted by: Ian S. at May 25, 2026 12:16 PM (QZThv)
Posted by: Heroq at May 25, 2026 12:16 PM (nwGCR)
198
188 It’s so hard saving for a house. Fucking boomers.
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Oh yeah sure I’ll have another $11 latte, add a $9 croissant to that as well please
We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Posted by: night lifted at May 25, 2026 12:16 PM (kJmLc)
199
Not to mention plenty of studies that say federal student loans actually increase tuition.
Posted by: Guy Mohawk at May 25, 2026 12:13 PM (n5tGW)
Now do ethanol and corn.
Posted by: Guy Mohawk at May 25, 2026 12:13 PM (n5tGW)
Now do ethanol and corn.
Posted by: r hennigantx at May 25, 2026 12:16 PM (/+uur)
200
My Samsungs are under $50.
Posted by: Boss Moss at May 25, 2026 12:17 PM (guBvG)
201
197 Go to a Renaissance Faire, or a Comic-con.
Posted by: tubal at May 25, 2026 12:12 PM (Gqar
Hell no.
Posted by: Reforger at May 25, 2026 12:16 PM (gbGyB)
Heh. It is an - interesting - anthropological excursion.
Posted by: tubal at May 25, 2026 12:12 PM (Gqar
Hell no.
Posted by: Reforger at May 25, 2026 12:16 PM (gbGyB)
Heh. It is an - interesting - anthropological excursion.
Posted by: tubal at May 25, 2026 12:17 PM (Gqar8)
202
Precisely. And let foreigners take a great number of college slots and ore bullshit ensues.
Insty ran a story yesterday on new data showing 2/3rds of Silicon Valley jobs are held by non-citizens.
Insty ran a story yesterday on new data showing 2/3rds of Silicon Valley jobs are held by non-citizens.
Posted by: Ian S. at May 25, 2026 12:17 PM (QZThv)
203
We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Posted by: night lifted at May 25, 2026 12:16 PM (kJmLc)
Don't hate your children, they will be the ones who visit you most in the nursing home.
Posted by: night lifted at May 25, 2026 12:16 PM (kJmLc)
Don't hate your children, they will be the ones who visit you most in the nursing home.
Posted by: Kindltot at May 25, 2026 12:17 PM (rbvCR)
204
We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Y'all didn't slap around the hippies, which led to Obama, which led to the pain.
Y'all didn't slap around the hippies, which led to Obama, which led to the pain.
Posted by: Ian S. at May 25, 2026 12:18 PM (QZThv)
205
What about furigners paying instate tuition.
Posted by: Boss Moss at May 25, 2026 12:18 PM (guBvG)
206
Insty ran a story yesterday on new data showing 2/3rds of Silicon Valley jobs are held by non-citizens.
Posted by: Ian S. at May 25, 2026 12:17 PM (QZThv)
Time to cancel all H1-Bs and put a hard limit of foreigners in or universities. NONE of them were built by India, China or eurotrash
Posted by: Ian S. at May 25, 2026 12:17 PM (QZThv)
Time to cancel all H1-Bs and put a hard limit of foreigners in or universities. NONE of them were built by India, China or eurotrash
Posted by: night lifted at May 25, 2026 12:19 PM (kJmLc)
207
206 We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Y'all didn't slap around the hippies, which led to Obama, which led to the pain.
Posted by: Ian S. at May 25, 2026 12:18 PM (QZThv)
Some WERE the hippies, but Some changed over time. It happens.
Y'all didn't slap around the hippies, which led to Obama, which led to the pain.
Posted by: Ian S. at May 25, 2026 12:18 PM (QZThv)
Some WERE the hippies, but Some changed over time. It happens.
Posted by: tubal at May 25, 2026 12:19 PM (Gqar8)
208
$500? That’s was like 10 years ago.
More like $1500 today.
Posted by: Heroq at May 25, 2026 12:16 PM (nwGCR)
I got a good samsung for... $350 a couple years ago. A53? Did not quite have the camera of the S or as much storage space, but it was $600 cheaper and the specs were remarkably similar to my eye.
More like $1500 today.
Posted by: Heroq at May 25, 2026 12:16 PM (nwGCR)
I got a good samsung for... $350 a couple years ago. A53? Did not quite have the camera of the S or as much storage space, but it was $600 cheaper and the specs were remarkably similar to my eye.
Posted by: Aetius451AD at May 25, 2026 12:20 PM (bss/y)
209
187 My first instinct on these student loans is to say "no duh" to people with a philosophy major or equivalent, but I do find a modicum of sympathy at times for 18 year olds who were sold a bill of goods, go to college and you'll be totally successful. As it turns out, even the learn to code and many STEM students are going to be screwed.
Not to mention plenty of studies that say federal student loans actually increase tuition.
Posted by: Guy Mohawk at May 25, 2026 12:13 PM (n5tGW)
It's easy to say yeah it's a bunch of stupid entitled kids making stupid decisions, but they're also being gaslit and defrauded. They spend their entire childhoods being indoctrinated by their parents, teachers, employers, the government and broader culture, that they MUST get a degree if they want a good job and have a successful life. So they believe it. They go into debt to get that degree to get a good job and a successful life. Then they discover that it wasn't true. They're slinging Starbucks the same as if they didn't have the degree, except now they have 30,60, 90 thousand dollars in debt that will take a decade or two to pay off and that can't be discharged in bankruptcy.
Not to mention plenty of studies that say federal student loans actually increase tuition.
Posted by: Guy Mohawk at May 25, 2026 12:13 PM (n5tGW)
It's easy to say yeah it's a bunch of stupid entitled kids making stupid decisions, but they're also being gaslit and defrauded. They spend their entire childhoods being indoctrinated by their parents, teachers, employers, the government and broader culture, that they MUST get a degree if they want a good job and have a successful life. So they believe it. They go into debt to get that degree to get a good job and a successful life. Then they discover that it wasn't true. They're slinging Starbucks the same as if they didn't have the degree, except now they have 30,60, 90 thousand dollars in debt that will take a decade or two to pay off and that can't be discharged in bankruptcy.
Posted by: Screwed for doing what they were taught was the right thing at May 25, 2026 12:20 PM (TbWk/)
210
I kinda think, and I don't know how to test this, that if you bought a tract of land and built 1200sqft houses and sold them at $100k (just under $85/foot) you'd go bankrupt 'cause
1) no one would buy them, or
2) no bank would finance them
1) no one would buy them, or
2) no bank would finance them
Posted by: People's Hippo Voice at May 25, 2026 12:21 PM (73/SM)
211
Don't hate your children, they will be the ones who visit you most in the nursing home.
Posted by: Kindltot at May 25, 2026 12:17 PM (rbvCR)
I raised by three to work while in school, refused to contribute to bullshit degrees, and gave them $0.00 for downpayments. The idea was "you stand on your own and if you fall, YOU pick yourself up and pay your way"
Posted by: Kindltot at May 25, 2026 12:17 PM (rbvCR)
I raised by three to work while in school, refused to contribute to bullshit degrees, and gave them $0.00 for downpayments. The idea was "you stand on your own and if you fall, YOU pick yourself up and pay your way"
Posted by: night lifted at May 25, 2026 12:21 PM (kJmLc)
212
187 My first instinct on these student loans is to say "no duh" to people with a philosophy major or equivalent, but I do find a modicum of sympathy at times for 18 year olds who were sold a bill of goods, go to college and you'll be totally successful. As it turns out, even the learn to code and many STEM students are going to be screwed.
programmer with a philosophy degree here. made it through school without any student debt.
programmer with a philosophy degree here. made it through school without any student debt.
Posted by: anachronda at May 25, 2026 12:22 PM (qdr3M)
213
I manage a couple of late 20-something’s. Both of them are married have kids and own a home. However what they have in common is they don’t live in expensive coastal cities. They live in flyover country.
The meme is nobody can afford a home. What they really mean is nobody in a handful of coastal blue shitholes can afford a home. Yeah kinda tough to afford a home in San Francisco or Seattle. Go to Dallas or Atlanta or Charlotte and you can afford a home.
The meme is nobody can afford a home. What they really mean is nobody in a handful of coastal blue shitholes can afford a home. Yeah kinda tough to afford a home in San Francisco or Seattle. Go to Dallas or Atlanta or Charlotte and you can afford a home.
Posted by: Heroq at May 25, 2026 12:22 PM (nwGCR)
214
New houses are. too big and expensive.
Posted by: Boss Moss at May 25, 2026 12:22 PM (guBvG)
215
We fucking boomers saved to buy homes, decided to forego flashy trips and don't need the latest phones and food. Zillennials deserve their pain
Posted by: night lifted at May 25, 2026 12:16 PM (kJmLc)
The inflation created by money printing has destroyed most of the reason to save for the future, a penny saved is a penny eaten by inflation and fees.
Inflation diverts the focus from long term to short term economics, if only to make sure the money keeps its worth.
Inflation destroys futures and destroys virtue.
Posted by: night lifted at May 25, 2026 12:16 PM (kJmLc)
The inflation created by money printing has destroyed most of the reason to save for the future, a penny saved is a penny eaten by inflation and fees.
Inflation diverts the focus from long term to short term economics, if only to make sure the money keeps its worth.
Inflation destroys futures and destroys virtue.
Posted by: Kindltot at May 25, 2026 12:22 PM (rbvCR)
Posted by: one hour sober at May 25, 2026 12:24 PM (J4Dwc)
217
They spend their entire childhoods being indoctrinated by their parents, teachers, employers, the government and broader culture, that they MUST get a degree if they want a good job and have a successful life.
---
College degree became a high-caste marker decoupled from actual income.
One thing the lefties hated Charlie for was saying that a college degree was worthless.
Oh how that made them howl in anger and derision.
---
College degree became a high-caste marker decoupled from actual income.
One thing the lefties hated Charlie for was saying that a college degree was worthless.
Oh how that made them howl in anger and derision.
Posted by: People's Hippo Voice at May 25, 2026 12:24 PM (73/SM)
218
A lot of people keep their kids weak and dependent by funding them well into adulthood. If you cover their mortgage, they waste their money on bullshit and stay infantile. It's ok if they don't get a fancy vacay and flashy accessories. If you refuse to set limits and enforce them, you create entitled trash.
Posted by: night lifted at May 25, 2026 12:24 PM (kJmLc)
219
A major cure would be the full privatization of student loans. Good luck.
Posted by: Cow Demon at May 25, 2026 11:12 AM (T6aVk)
A full 20 Republican Senators stand ready to vote with the Democrats to prevent this assault on the fundamental structure of the nation. -- Ted Cruz
Posted by: Cow Demon at May 25, 2026 11:12 AM (T6aVk)
A full 20 Republican Senators stand ready to vote with the Democrats to prevent this assault on the fundamental structure of the nation. -- Ted Cruz
Posted by: I used to have a different nic at May 25, 2026 12:25 PM (ExV1e)
220
Open thread Nood.
Posted by: Aetius451AD at May 25, 2026 12:25 PM (bss/y)
221
Good friends just built a house not to far from us. He’s 27, good job, she’s 27 good job. No kids. His Dad helped them in the construction, he worked on it all the time in his spare time. It does happen.
Posted by: tubal at May 25, 2026 12:25 PM (Gqar8)
222
I first entered the home buying market when the interest was 12%. I also didn't demand my first house be a McMansion in an upper class neighborhood.
Posted by: polynikes at May 25, 2026 12:26 PM (qrzX6)
223
It’s not just the phones and lattes. Travel too. They’re obsessed with traveling. Which fine whatever. But you can’t have everything. Wanna see the world? Awesome. But you don’t get to do that at 25 and buy home.
This is the fundamental problem the kids have. They don’t understand tradeoffs.
This is the fundamental problem the kids have. They don’t understand tradeoffs.
Posted by: Heroq at May 25, 2026 12:26 PM (nwGCR)
224
Inflation destroys futures and destroys virtue.
Posted by: Kindltot at May 25, 2026 12:22 PM (rbvCR)
In 1980, Inflation was 14.8 percent. I saved and bought a home anyway. sort of a dumb argument
Posted by: Kindltot at May 25, 2026 12:22 PM (rbvCR)
In 1980, Inflation was 14.8 percent. I saved and bought a home anyway. sort of a dumb argument
Posted by: night lifted at May 25, 2026 12:27 PM (kJmLc)
225
Saw at a apartment complex was working in very recently, rent was above $3G a month
Posted by: Skip at May 25, 2026 12:27 PM (Ia/+0)
226
191 169 You let 10s of millions of illegals into the country and guess what happens to the price of housing.
Posted by: JackStraw at May 25, 2026 12:08 PM (viF8m)
Precisely. And let foreigners take a great number of college slots and ore bullshit ensues.
Posted by: night lifted at May 25, 2026 12:14 PM (kJmLc)
Yup. Was just going to mention that.
Posted by: JackStraw at May 25, 2026 12:08 PM (viF8m)
Precisely. And let foreigners take a great number of college slots and ore bullshit ensues.
Posted by: night lifted at May 25, 2026 12:14 PM (kJmLc)
Yup. Was just going to mention that.
Posted by: Joemarine at May 25, 2026 12:27 PM (y171U)
227
In 1980, Inflation was 14.8 percent. I saved and bought a home anyway. sort of a dumb argument
Posted by: night lifted at May 25, 2026 12:27 PM (kJmL
Selfishly I'd like to have 12% CD rates again.
Posted by: night lifted at May 25, 2026 12:27 PM (kJmL
Selfishly I'd like to have 12% CD rates again.
Posted by: polynikes at May 25, 2026 12:28 PM (qrzX6)
228
Inflation has always existed. Blaming that for inability to self control is silly.
Posted by: Heroq at May 25, 2026 12:28 PM (nwGCR)
229
I don't know if you could build a 1200 sq ft house with land for $100k. Internet tells me just the house averages $135/sf.
Posted by: Guy Mohawk at May 25, 2026 12:28 PM (n5tGW)
230
One thing the lefties hated Charlie for was saying that a college degree was worthless.
Oh how that made them howl in anger and derision.
He's correct. If you have the skills and can get around the "degree proves you can do the job" gate you'll be fine.
Oh how that made them howl in anger and derision.
He's correct. If you have the skills and can get around the "degree proves you can do the job" gate you'll be fine.
Posted by: Ian S. at May 25, 2026 12:28 PM (QZThv)
231
212 I kinda think, and I don't know how to test this, that if you bought a tract of land and built 1200sqft houses and sold them at $100k (just under $85/foot) you'd go bankrupt 'cause
1) no one would buy them, or
2) no bank would finance them
Posted by: People's Hippo Voice at May 25, 2026 12:21 PM (73/SM)
3) you can't build a 1200 sqft home for under $100,000.
1) no one would buy them, or
2) no bank would finance them
Posted by: People's Hippo Voice at May 25, 2026 12:21 PM (73/SM)
3) you can't build a 1200 sqft home for under $100,000.
Posted by: Reforger at May 25, 2026 12:28 PM (gbGyB)
232
224 I first entered the home buying market when the interest was 12%. I also didn't demand my first house be a McMansion in an upper class neighborhood.
Posted by: polynikes at May 25, 2026 12:26 PM (qrzX6)
Yep. And small homes still exist. Brats don't want that. They want a 3500 sq ft home and money for European vacays and they cry like babies when that is not in their reach. LOSERS
Posted by: polynikes at May 25, 2026 12:26 PM (qrzX6)
Yep. And small homes still exist. Brats don't want that. They want a 3500 sq ft home and money for European vacays and they cry like babies when that is not in their reach. LOSERS
Posted by: night lifted at May 25, 2026 12:29 PM (kJmLc)
233
"There are two debt trends that intersect at about the age of 40. This is the average age now of first-time mortgage borrowers, and it is also the average age of those defaulting on their student loans."
So many begin college at 18 & graduate at 22 or 23,
why - if a standard college/university degree - about an entire decade and a half later default?
I know many teachers in PA who got Masters Degrees in Children's Theater, etc. so that they could qualify to teach elementary school and receive a much higher salary, but then dragged their feet paying their student loans.
Here are but a few programs most eventually took advantage of:
Federal Teacher Loan Forgiveness: Offers up to $17,500 in forgiveness for teaching full-time for five consecutive years in a designated low-income school.
Public Service Loan Forgiveness (PSLF): Forgives the remaining balance on your Direct Loans after making 120 qualifying monthly payments while working full-time for a qualifying public school.
Perkins Loan Cancellation: Offers up to 100% cancellation for Federal Perkins Loans if you teach at a low-income school or in high-need fields like math, science, or special education.
So many begin college at 18 & graduate at 22 or 23,
why - if a standard college/university degree - about an entire decade and a half later default?
I know many teachers in PA who got Masters Degrees in Children's Theater, etc. so that they could qualify to teach elementary school and receive a much higher salary, but then dragged their feet paying their student loans.
Here are but a few programs most eventually took advantage of:
Federal Teacher Loan Forgiveness: Offers up to $17,500 in forgiveness for teaching full-time for five consecutive years in a designated low-income school.
Public Service Loan Forgiveness (PSLF): Forgives the remaining balance on your Direct Loans after making 120 qualifying monthly payments while working full-time for a qualifying public school.
Perkins Loan Cancellation: Offers up to 100% cancellation for Federal Perkins Loans if you teach at a low-income school or in high-need fields like math, science, or special education.
Posted by: L - No nic, another fine day at May 25, 2026 12:29 PM (NFX2v)
234
There are similar programs for public service employees, nurses, yada yada.
---
Recently, under the One Big Beautiful Bill Act signed by President Trump, the Department of Education created a dual-tier federal loan limit for graduate students based on their degree classification.
Effective July 1, 2026, the new rules eliminate Grad PLUS loans and set two distinct borrowing categories:
Professional Degrees: Capped at $50,000 annually with a $200,000 lifetime limit. Qualifying degrees include Medicine (M.D.), Law (J.D.), Dentistry (D.D.S.), Pharmacy, and Clinical Psychology.
Educational & Graduate Degrees: Capped at $20,500 annually with a $100,000 lifetime limit. This tier includes fields like nursing, education, social work, and general graduate studies.
See Ed dot gov: Myth vs. Fact: The Definition of Professional Degrees, November 24, 2025
---
BTW, many years ago, the Federal government paid the tuition for many graduate programs if a certain GPA was maintained. Ergo, there were more Masters of Public Health than you can imagine for feds working in entirely unrelated fields. Worthless.
(The same can be found through state governments.)
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Recently, under the One Big Beautiful Bill Act signed by President Trump, the Department of Education created a dual-tier federal loan limit for graduate students based on their degree classification.
Effective July 1, 2026, the new rules eliminate Grad PLUS loans and set two distinct borrowing categories:
Professional Degrees: Capped at $50,000 annually with a $200,000 lifetime limit. Qualifying degrees include Medicine (M.D.), Law (J.D.), Dentistry (D.D.S.), Pharmacy, and Clinical Psychology.
Educational & Graduate Degrees: Capped at $20,500 annually with a $100,000 lifetime limit. This tier includes fields like nursing, education, social work, and general graduate studies.
See Ed dot gov: Myth vs. Fact: The Definition of Professional Degrees, November 24, 2025
---
BTW, many years ago, the Federal government paid the tuition for many graduate programs if a certain GPA was maintained. Ergo, there were more Masters of Public Health than you can imagine for feds working in entirely unrelated fields. Worthless.
(The same can be found through state governments.)
Posted by: L - No nic, another fine day at May 25, 2026 12:29 PM (NFX2v)
235
I kinda think, and I don't know how to test this, that if you bought a tract of land and built 1200sqft houses and sold them at $100k (just under $85/foot) you'd go bankrupt 'cause
1) no one would buy them, or
2) no bank would finance them
Posted by: People's Hippo Voice at May 25, 2026 12:21 PM (73/SM)
3) you can't build a 1200 sqft home for under $100,000.
Posted by: Reforger at May 25, 2026 12:28 PM (gbGyB
Prefab is the only way.
1) no one would buy them, or
2) no bank would finance them
Posted by: People's Hippo Voice at May 25, 2026 12:21 PM (73/SM)
3) you can't build a 1200 sqft home for under $100,000.
Posted by: Reforger at May 25, 2026 12:28 PM (gbGyB
Prefab is the only way.
Posted by: polynikes at May 25, 2026 12:29 PM (qrzX6)
236
In 1980, Inflation was 14.8 percent. I saved and bought a home anyway. sort of a dumb argument
Posted by: night lifted at May 25, 2026 12:27 PM (kJmLc)
I will admit that you are right if you go find out what the average wage is for the job you held in 1980 is now, and what the average home price is in an equivalent neighborhood, and then draw up a monthly budget for the sort of family you had then now, with vague pricing for food and for the mortgage, insurance and automobile.
Posted by: night lifted at May 25, 2026 12:27 PM (kJmLc)
I will admit that you are right if you go find out what the average wage is for the job you held in 1980 is now, and what the average home price is in an equivalent neighborhood, and then draw up a monthly budget for the sort of family you had then now, with vague pricing for food and for the mortgage, insurance and automobile.
Posted by: Kindltot at May 25, 2026 12:30 PM (rbvCR)
237
Yep. And small homes still exist. Brats don't want that. They want a 3500 sq ft home and money for European vacays and they cry like babies when that is not in their reach. LOSERS
I bought what in hindsight was a retardedly large house in 1997 when I was 24 and interest rates were >8%. Inflation is a very real thing, even if it's worked out well for Boomers.
I bought what in hindsight was a retardedly large house in 1997 when I was 24 and interest rates were >8%. Inflation is a very real thing, even if it's worked out well for Boomers.
Posted by: Ian S. at May 25, 2026 12:32 PM (QZThv)
238
Prefab is the only way.
Posted by: polynikes at May 25, 2026 12:29 PM (qrzX6)
I want to do steel. 1500 sqft home with 3000 sqft of shop attached to it.
Posted by: polynikes at May 25, 2026 12:29 PM (qrzX6)
I want to do steel. 1500 sqft home with 3000 sqft of shop attached to it.
Posted by: Reforger at May 25, 2026 12:34 PM (gbGyB)
239
1986, paid 11.5% down, considerably lower from a few years before, for a dump of a single house - a small cottage/cape cod - which needed a ton of work. But it was the only way to get a single home after many years of working and having a family.
A million times I wanted out of the area to something much better, but stuck it out to put kids through catholic grade and high schools (I'm not Catholic), and have a better commute time to & from work. I could run now but everything well beyond this now urbanized area is too big and/or expensive for a retiree. Such is life. 🤷♀️
1973 - new house $32,500; average income - $12,965.
1981 - new house $78,220; average income - $21,073.
1989 - new house $120,000; average income - $27,225
Quit whining.
A million times I wanted out of the area to something much better, but stuck it out to put kids through catholic grade and high schools (I'm not Catholic), and have a better commute time to & from work. I could run now but everything well beyond this now urbanized area is too big and/or expensive for a retiree. Such is life. 🤷♀️
1973 - new house $32,500; average income - $12,965.
1981 - new house $78,220; average income - $21,073.
1989 - new house $120,000; average income - $27,225
Quit whining.
Posted by: L - No nic, another fine day at May 25, 2026 12:43 PM (NFX2v)
240
BTW, in the Philadelphia region, the vast majority of landlords are "mom-and-pop" operations or individual family investors (1 to 10 units) rather than massive institutional buyers. (Generational wealth HAS been a thing since well before C19.)
(You'd probably find most large cities are very similar in ownership and rentals.)
While individual families control the majority of the market, large corporate buyers have recently increased their presence. Corporate investors own about 8.8% of single-family rentals in Philadelphia, and that has been moving into the collar counties, too.
(You'd probably find most large cities are very similar in ownership and rentals.)
While individual families control the majority of the market, large corporate buyers have recently increased their presence. Corporate investors own about 8.8% of single-family rentals in Philadelphia, and that has been moving into the collar counties, too.
Posted by: L - No nic, another fine day at May 25, 2026 12:49 PM (NFX2v)
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