I have no presidential candidate to vote for and spanish bad word thread

[420seriouscat69]

Sorry, this is a heated issue of mine. Working in the industry and my own situation got me very close to it. eff it! #BernieSanders2016

[Rage Against the McKee]

If your parents don't make a lot, it doesn't matter. You can ask for a parent plus loan, but it's under their name and a household of non-smart money making moves doesn't want to do that. Not only my family, but I saw it every day when I worked in the industry. Seeing kids cry because they realized they couldn't afford college was depressing as crap. Just because some (not all) had shitty parents that wanted to sit on their hands when it came to filing for student loans for their dependent children.

What I'm saying is that if the students aren't really dependent, they are free to file as independent. If their parents aren't really helping out in any way, they aren't legally allowed to claim them as dependent. The reason the grant and loan options are different is because by claiming you as a dependent, your parents are telling the government that they are paying for half of your legal expenses.

[420seriouscat69]

Unless they're adopted or a foster kid, they're dependent no matter what if they're not married, don't have children, or not 24. You're right, i'm a little lost at what you're getting at.

[Rage Against the McKee]

Unless they're adopted or a foster kid, they're dependent no matter what if they're not married, don't have children, or not 24. You're right, i'm a little lost at what you're getting at.

They are only dependent if their parents are claiming them as dependent. To claim your child as dependent, you have to pay at least half of their living expenses.

Chapter 3 of IRS Publication 17 describes the criteria for a child to be considered a dependent on the parent’s income tax return. Generally, a child must be under age 19 or a full-time student for at least 5 months during the year to be considered a dependent for federal income tax purposes. The child must have lived with the taxpayer for more than half the year, notwithstanding any temporary absences for illness, education, business, vacation or military service. The child must not have provided more than half of his or her own support. (Note that scholarships do not count when determining how much support was provided by the child.) Multiple support agreements allow divorced parents to decide which parent can claim the child as a dependent.

To be considered a dependent for federal student aid purposes, the child must not be an independent student. A graduate student is automatically considered an independent student. (A student will also be considered independent if he or she is over age 24 as of December 31 of the award year, is married, has dependents other than a spouse, is a veteran or on active duty in the Armed Forces, or is an orphan or satisfies certain other criteria.) If a child is not an independent student, the parent must also have provided more than half of the child’s support. The definition of support for the FAFSA differs slightly than the definition used by the IRS. The child does not have to live with the parent to be considered a dependent on the FAFSA.

http://www.fastweb.com/financial-aid/articles/does-dependency-status-on-income-tax-returns-affect-financial-aid-eligibility

[Emo EMAW]

Free ed would be a great investment.  I mean, those newly educated ppl get decent paying jobs and will pay taxes on higher earnings.  This is a great idea, especially in the shadow of a bunch of boomers getting ready to start pulling social security.

Dude, someone close to me has a college degree from KU and makes like <$40k per year.  And they are 30. rough ridin' 30! 

I don't know because I haven't been following, and I think you and I have discussed this in the past, but if Bernie is for subsidized or free educations than are worthwhile then great.  But if we're just going to be churning out more communications degrees then he's an idiot.

[CNS]

Free ed would be a great investment.  I mean, those newly educated ppl get decent paying jobs and will pay taxes on higher earnings.  This is a great idea, especially in the shadow of a bunch of boomers getting ready to start pulling social security.

Dude, someone close to me has a college degree from KU and makes like <$40k per year.  And they are 30. rough ridin' 30! 

I don't know because I haven't been following, and I think you and I have discussed this in the past, but if Bernie is for subsidized or free educations than are worthwhile then great.  But if we're just going to be churning out more communications degrees then he's an idiot.

Yeah, we have discussed this and I am all for it being for certain degrees.  However, there needs to be a few that don't rake it in that make the list.  Social work and teachers for example.   The rest should be things that aren't kinesiology, philosophy, etc.

[Rage Against the McKee]

Actually, looking a little bit further into it, it does look like it would be very hard to claim yourself as independent on the FAFSA if you aren't 24. That really should be changed. If you are independent with the IRS, you should be independent on the FAFSA.

[Emo EMAW]

Free ed would be a great investment.  I mean, those newly educated ppl get decent paying jobs and will pay taxes on higher earnings.  This is a great idea, especially in the shadow of a bunch of boomers getting ready to start pulling social security.

Dude, someone close to me has a college degree from KU and makes like <$40k per year.  And they are 30. rough ridin' 30! 

I don't know because I haven't been following, and I think you and I have discussed this in the past, but if Bernie is for subsidized or free educations than are worthwhile then great.  But if we're just going to be churning out more communications degrees then he's an idiot.

Yeah, we have discussed this and I am all for it being for certain degrees.  However, there needs to be a few that don't rake it in that make the list.  Social work and teachers for example.   The rest should be things that aren't kinesiology, philosophy, etc.

Ok.  How does Bernie feel about this?  I'd like to maybe sample the bern. 

[CNS]

Free ed would be a great investment.  I mean, those newly educated ppl get decent paying jobs and will pay taxes on higher earnings.  This is a great idea, especially in the shadow of a bunch of boomers getting ready to start pulling social security.

Dude, someone close to me has a college degree from KU and makes like <$40k per year.  And they are 30. rough ridin' 30! 

I don't know because I haven't been following, and I think you and I have discussed this in the past, but if Bernie is for subsidized or free educations than are worthwhile then great.  But if we're just going to be churning out more communications degrees then he's an idiot.

Yeah, we have discussed this and I am all for it being for certain degrees.  However, there needs to be a few that don't rake it in that make the list.  Social work and teachers for example.   The rest should be things that aren't kinesiology, philosophy, etc.

Ok.  How does Bernie feel about this?  I'd like to maybe sample the bern.

Good question.  I don't think I have heard detail at this level.

Also, your friend is an outlier by far, and most likely due to some other personal problem(felon?) or personal choice.

[Rage Against the McKee]

I don't really think any college should be free. I also think loans and grants should be limited to schools below certain tuition thresholds and that the loan amount should be based upon expected ability to repay, depending on major.

[420seriouscat69]

Unless they're adopted or a foster kid, they're dependent no matter what if they're not married, don't have children, or not 24. You're right, i'm a little lost at what you're getting at.

They are only dependent if their parents are claiming them as dependent. To claim your child as dependent, you have to pay at least half of their living expenses.

Chapter 3 of IRS Publication 17 describes the criteria for a child to be considered a dependent on the parent’s income tax return. Generally, a child must be under age 19 or a full-time student for at least 5 months during the year to be considered a dependent for federal income tax purposes. The child must have lived with the taxpayer for more than half the year, notwithstanding any temporary absences for illness, education, business, vacation or military service. The child must not have provided more than half of his or her own support. (Note that scholarships do not count when determining how much support was provided by the child.) Multiple support agreements allow divorced parents to decide which parent can claim the child as a dependent.

To be considered a dependent for federal student aid purposes, the child must not be an independent student. A graduate student is automatically considered an independent student. (A student will also be considered independent if he or she is over age 24 as of December 31 of the award year, is married, has dependents other than a spouse, is a veteran or on active duty in the Armed Forces, or is an orphan or satisfies certain other criteria.) If a child is not an independent student, the parent must also have provided more than half of the child’s support. The definition of support for the FAFSA differs slightly than the definition used by the IRS. The child does not have to live with the parent to be considered a dependent on the FAFSA.

http://www.fastweb.com/financial-aid/articles/does-dependency-status-on-income-tax-returns-affect-financial-aid-eligibility

For loans, they're still claimed dependent whether their parents claim them or not. Whether they're living by themselfs or not. Trust me. I did this job for way too long.

[420seriouscat69]

Actually, looking a little bit further into it, it does look like it would be very hard to claim yourself as independent on the FAFSA if you aren't 24. That really should be changed. If you are independent with the IRS, you should be independent on the FAFSA.

Cool, you got it. 

[DQ12]

Isidewith had him as my second best match.

So Jeb was first and Hillary third huh?

nope.  It surprised me, but Bernie was 84% and Rand at 80%.   

I'm going to take it again today, but that was basically what I got the first time too.

83% Rand, 79% Bernie.   

in your face, pinko. 

[420seriouscat69]

I have a lot of friends from the J School making less than $45 K right now and they're around my age. It's not just a certain case, there's a lot of ppl out there like that.

[Emo EMAW]

Comms degrees.  What the hell do you do with one?  I don't know if it's outlier but my example has bounced around from "career" to "career," working for car dealerships, advertising, for a city govt office.  I don't even know what she's doing now, something software'ish with a sales side to it? 

[420seriouscat69]

Comms degrees.  What the hell do you do with one?  I don't know if it's outlier but my example has bounced around from "career" to "career," working for car dealerships, advertising, for a city govt office.  I don't even know what she's doing now, something software'ish with a sales side to it?

I mean, it's similar to a business degree in a sense. I mean, when you break down a business, it's really about relationships and dealing with ppl. I've done sales (advertising via radio) and recruiting. I just finally found a good company that takes care of their ppl and compensates well for doing your job.

[catastrophe]

It's a bit unrealistic to say you should limit federal loans or subsidized tuition to specific degrees. Most employers care 1000x more about work experience than degree field. Not to mention grad school. I know someone with a comm. degree making well over $200k as a lawyer.

No matter what the major, it's the people who graduate college and THEN start thinking about jobs that end up in trouble.

[steve dave]

No matter what the major, it's the people who graduate college and THEN start thinking about jobs that end up in trouble.

DEBUNKED

[Rage Against the McKee]

It's a bit unrealistic to say you should limit federal loans or subsidized tuition to specific degrees. Most employers care 1000x more about work experience than degree field. Not to mention grad school. I know someone with a comm. degree making well over $200k as a lawyer.

No matter what the major, it's the people who graduate college and THEN start thinking about jobs that end up in trouble.

Yeah, I'm sure there are some people with terrible credit that would be just fine handling a mortgage, too.

[catastrophe]

My broader point is it's partly a misleading correlation. Only a few degrees have inherent value (by being necessary to enter particular fields). As for the rest, forcing a lazy kid to get a STEM degree instead of a liberal arts degree won't necessarily make him any more likely to land a successful job. The fact STEM degrees tend to produce better earners could just as well be proof they tend to attract more motivated people.

[michigancat]

if you go to a good school, major doesn't matter

[CNS]

if you go to a good school, major doesn't matter

Most state schools probably don't count. 

[ShellShock]

If you actually think that the Bernie way of giving crap away for free will work, then you're an idiot.

For all of those people that went to school to get useless degrees that don't pay squat, you probably made a bad decision and were dreaming your future, not being practical about it.

[michigancat]

if you go to a good school, major doesn't matter

Most state schools probably don't count.

True

[CNS]

If you actually think that the Bernie way of giving crap away for free will work, then you're an idiot.

For all of those people that went to school to get useless degrees that don't pay squat, you probably made a bad decision and were dreaming your future, not being practical about it.

Hot take.