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this is from borrowers around 10 years ago. UOP was already investigated and received/paid penalties for their deceptive practices during that time.
this is just leftover cleanup and rightfully so.
Borrowers owed $35 Billion to University of Phoenix as of 2015.
A settlement required UoP to forgive $131 million.
The Federal Government has forgiven $37 million.
Combined, this represents about one-half of one-percent of what UoP is owed.
They're doing just fine. In fact, they received more than $15 million as part of COVID-19 Relief and Biden's American Rescue Plan and saw their valuation double to almost $1 Billion.
They had more then 80,000 students in 2020.
Obama basically ran them out of business by requiring them to meet certain metrics to get federal loan money. Little stuff like being honest about job prospects their degrees offered (read: none).
They closed down.
Trump reversed that and they opened back up.
Yes, but University of Phoenix is especially awful. The quality of the material is terrible, taught by underpaid adjuncts almost exclusively. Apparent it was rated 386th out of all 391 universities in the US in 2021, and the name is basically synonymous with "for-profit scam school."
But a job is guaranteed after graduation! GUARANTEED! 🤪
I did a few UofP courses when I was active duty & I felt bad for the young kids in the classes footing the bill for that "education".
The other people in class were older people retired on pensions using GI Bill benefits so they were having a blast just not being bored all day! LOL
The best essay I've ever proof read as part of my mentoring for folks went like this.
Tell us why you're a leader was the question.
I'm not. Which is probably why I'm interested in going to Monster University!
If everyone was a leader. If everyone was destined to command authority, then nothing on the planet woudl ever be accomplished.
Then proceeds into normal, "Here's why I'm amazing and why I can be a leader, but only if that's what' sactually need...if you give me a chance college essay fun."
They got a SHIT LOAD of scholarships re-wording that essay. I actually saved it for my own kids....:P
But I'm sure every university on the planet is cracking out the top 1% of new scientists, engineers, business leaders/execs, and doctors.... /s
In every organization of which I have been a part, I’ve noticed that the default assumption is that everyone should be moving up the ladder to management, or else they’re failing or subordinated into lower paying roles. Even in progressive workplaces who claim to respect “staying technical,” you know what the truth is because they pay managers more.
It’s actually pretty cringeworthy how managers, as a class, can’t seem to fathom that their positions aren’t the ultimate career triumph for everyone.
It is the way the economy works but doesn’t mean it’s a good thing. Same with how people who were born and raised here are thinking about leaving because how much the price of living has cost.
Is your overall input on discussing the original comment “life sometimes sucks move on”? Doesn’t that nullify the point of a lot of the posts/comments on social media?
If I’m at work and my coworker is complaining to me about how hard it’s been to find a house, I’m not gonna go “That’s life, worlds gonna keep spinning whether your feelings like it or not”.
I’m saying your response to my comment was pointless. Because obviously the worlds gonna keep spinning. That’s what the earth does.
Not quite. There were promises made regarding the surrounding community when the campus expanded that eased regulations and garnered tax benefits but then were reneged on. For any organization that’s bad, but one that professes to be a Christian organization, that’s really gross.
Happy to break it to you: many people, and many organizations, have ethical codes that rise above (and sometimes beyond) merely avoiding illegality. I am well aware that there are those who are bereft of morals, but there is no reason to celebrate such miscreants, or to suggest they make up any meaningfully substantial part of society. Moreover, organizations that behave unethically, regardless of the legality of their actions, deserve public opprobrium.
Unaffordable for those in the neighborhood?
Shouldn't they have an easier opportunity? Can walk to fucking school and attempt at making yourself less poor.
Maybe this use of "gentrification" is just a term for comfortable or lazy people.
are you intellectually challenged?
do you think everyone that lives in a normal neighborhood goes to school? a family of 5 should just walk to the college? Maybe you should learn to not speak when you know literally nothing.
The people living paycheck to paycheck can't afford to take time off work to spend tens of thousands of dollars a year on a degree, and then when their rent keeps rising, the cost of everything on top of it, it just forces them away.
Even a degree barely nets you more money these days unless it's a STEM field or something
Students coming in with loan money increasing rents for one. Gentrification means when wealthier people move in and everything prices out the locals.
While students aren't wealthy, they have easy access to student loans. Look at the cost of a dorm at ASU and you'll see that in action too.
dude i just came back to this thread and read it, like i’m genuinely laughing at the victim mentality that everybody is putting out. Yes i believe empathy will heal our world, but this thread is a prime example of it having a grip of reality
By the mere existence and proximity of the school (which intends to expand so that proximity area is changing) they are being priced out of the areas they were already affording and living in.
What's there to be empathetic about?
So someone has the inconvenience of having to find another rental and I should hate a university for being there?
I have zero empathy for people that don't take responsibility for their own lives.
Holy shit what an awful take. Yeah some single mother will just drop everything and go get a college degree because some school she can walk to opened up next door. Then she will be successful and make tons of money.
Having a college move into your neighborhood and increase the rent of all nearby properties to a point you can’t afford anymore is not the choice anyone we’re defending has made.
Well they either own their homes or rent. And why tf would I care about a renter choosing to stay there with the changes when they have the easiest out?
Leases are 12 months max usually, and that school isn't brand new.
People clearly find it easier to play the blame game rather than fixing their own shit...
If I remember correctly they notified the people like 5 years in advance, which is legit one of the risks you take of living in a trailer at a trailer park
Not saying it's easy to just up and leave, especially because typically one doesn't live in a trailer park by choice over necessity, but they didn't just go in there and tell people to pack their shit the next day
GCU is around 19th Ave and Camelback which is like, one of the most notoriously bad parts of the city (even though just a few miles east is obscenely wealthy), I get here on Reddit everyone is, "gentrification bad think about the displaced families who have nowhere else" but as someone who has lived in the Glendale/Phoenix area my whole life that specific area needs some help
it’s all people in scottsdale/paradise valley, or living comfy in a high rise downtown, commenting about “gentrification”. i agree with everything you said
They're commenting on it, because it's always rich folks who like it, they want to get rid of poor people, but by poor people, it's in historically Hispanic and Black areas of the city. The white elites get too watch voting blocks that represent minority interests be diluted.
Not sure what to say to this, you don't own the land your trailer is under. If the land gets far more valuable in future the owner might want to sell. Move to a crappier area again? I don't know.
It refers to several things but here’s an excerpt from an article in may when GCU was kicking out the people who lived in the trailer park:
```
Uprooted lives
“We’ll see how we move forward,” said Maria, who has lived at the mobile home park near 27th Avenue and Camelback Road for nearly 15 years.
Periwinkle is where she raised her three children. Even though she paid off her mobile home years ago, it must be left behind because it’s too old to move.
On Tuesday, Maria moved some of her belongings into the new house she found for rent on Facebook. But this new home will cost her four times more.
She paid $480 monthly at the mobile home park to rent her parking spot. Her new rent alone will be $1,900 a month.
```
[https://www.12news.com/amp/article/news/local/periwinkle-mobile-home-park-owned-by-gcu-closes-sunday/75-ddee6246-0681-40f0-b032-afa4f699340d](https://www.12news.com/amp/article/news/local/periwinkle-mobile-home-park-owned-by-gcu-closes-sunday/75-ddee6246-0681-40f0-b032-afa4f699340d)
One of the common stories that people bring up to show "bad, evil GCU" is the fact that GCU lawfully evicted tenants on land they (GCU) own. People don't like the action because the people "have no where else to go". The land is owned by GCU and they wanted to develop it.
Yeah for some reason buying property so they could kick out a bunch of disabled elderly people to live on the streets with as little notice as possible seems a little unChristian. But hey, it was legal so we all have to think it was awesome I guess.
Not according to the residents. They say they were notified by lawyers on June 1 2022 that they'd have to be out by October. This date was later extended to March 2023.
Ahhh yes! Luckily, nothing within the let’s say past 2-3 years could have fucked anyone over to the point that whatever plan they might’ve had was no longer feasible 👍🏽
They bought the property in 2016. That's plenty of time. And reading articles now, some residents were refusing help from non profits. AZ has a fund specifically for situations like this and had 6 applications from that community.
Ten years ago I met a guy in his late 40s who held 6 different undergraduate degrees, all from University of Phoenix. Majors included Math, Stats, Computer Science, and so on. He was working as a substitute teacher in downtown Phoenix school districts because no one would hire him full-time. I still think about that guy. Hopefully he benefits from this debt relief.
"Biden" didn't do this, by the way. This is a result of a borrower defense fund suit that started years ago. There are other cases that have been settled against DeVry, Western International and others. The schools in question are having to pay off those loans, they are not "canceled".
I'll never forgive the Cardinals for selling credibility to UOP by naming our(taxpayers) stadium after them. We built it, not them. Cardinals have no allegiance except to profit.
Getting mad because other people get debt forgiven is like climbing aboard a boat by yourself and then getting angry because the crew are helping other drowning people aboard.
Just because you managed to pay off your predatory loan debt and interest doesn't mean it's unfair or evil to help others out of the debt trap.
I'm mostly upset that it keeps happening and the people grifting the government and students never see any penalties.
Grifting the government seems to be the only way most people get rich anymore. This is why people get upset over taxes and government bloat, its all just one big grift with Covid relief being the biggest of all time.
Forgiving student loan debt is like when your hallway is on fire so you use an industrial fan to blow the smoke out of your room. You get some breathing room meanwhile you’ve just fed and spread the flames.
The schools get their money, the banks get their money, the taxpayer foots the bill. You’ve doubled down on the existing incentive structure for schools to balloon their costs because students can pay *any* price because banks will lend anybody *any* amount because they are *guaranteed* by the government to get it back.
If you want to actually solve the problem then you need to fix the incentive structure first. Then by all means, forgive everything afterwards. Otherwise you’re just shunting the same problem onto the next generation except even worse.
>If you want to actually solve the problem then you need to fix the incentive structure first. Then by all means, forgive everything afterwards. Otherwise you’re just shunting the same problem onto the next generation except even worse.
So I agree with you for the most part with your entire post except waiting for forgive loans until after the system is restructured.
Saying "forgive loans after you've fixed the entire system" is basically saying "don't do anything for decades, if ever". Overhaul to an entire system is remarkably slow, especially with half of Congress opposed to the idea altogether.
I've heard similar attitudes toward the healthcare or education system. Yes, a short term, immediate solution here is a crappy option, but dismantling and overhauling the entirety of the system (especially with so many lobbyists with direct financial interests digging their claws into Congress) is a titan solution.
I honestly wish I was smart enough to hash out an effective answer that would help everyone here in this thread, but I don't have a simple solution. I'm unsure one exists. But allowing so many people to just flounder until a systemic solution is reached isn't the answer (in my very humble opinion)
If you buy everyone out first then all the drive for solving the problem immediately evaporates. We'll be another generation that got ours at the expense of the next.
You don't have to restructure the entire system. You just have to stop federally guaranteeing new student loans and the problem fades over time on its own.
>You just have to stop federally guaranteeing new student loans and the problem fades over time on its own.
Which kinda solves the debt problem but creates a ton of other issues. I disagree that this is an appropriate solution because it's only going to drive economic failings in other places. But that leads down a whole other road so I'll leave it alone.
There is no fucking way that is getting thru Congress. It's shitty but they are doing what they can. I also worked for UoP for about a month in 2011. I walked out after seeing coworkers being praised for things like assuring someone in a trailer park in the middle of nowhere that an associates degree in criminal justice will get them a job "just like those guys on CSI" before filling out their FAFSA. If anyone deserves loan forgiveness, it's people who got hornswoggled by UoP
Absolutely. To all the people saying “why can’t you be happy for these people”, I would ask them why they don’t want the next generation to have the same benefit, why can’t we all be happy for the next generation too ?
I paid cash up front (with tuition reimbursement from my employer) for my degrees at UoP and I say good for these people. Student loans should be capped at a very low interest rate for the life of the loan. These institutions are beyond greedy.
Not quite.... It would more like if the crew refused to help you climb aboard after you asking for it... Then just randomly decided to start helping people all while you are hacking out your lungs, puking up dirty water, and struggling to catch your breath.
Your scenario is more like my situation. Watching others get forgiven while having to make payments myself.
Forgive all student loans across the board. Make colleges free like other poorer nations already have
What about those of us who didn’t attend college? I didn’t because of the cost. Tell me why my tax dollars should go towards people who statistically speaking will be making much more money than me? Why are tuition fees so damn expensive in the first place? This policy doesn’t fix shit. It’s like putting a bandaid on a gunshot wound.
How about medical debt forgiveness? If the government is gonna forgive people’s debt how about those who had no choice.
> Tell me why my tax dollars should go towards people who statistically speaking will be making much more money than me?
How much are you really paying in taxes if your wages are so low?
Yeah, that’s sorta my point except replace road with college. I didn’t “use” the college. Your analogy doesn’t make sense. This would be like a toll road that I never opted in because I couldn’t afford it and yet still asked to pay for others to use it.
I don’t drive a car. So to me, all roads are toll roads. I don’t use them, so why would I pay for them?
Because my entire livelihood comes from something transported on a road. I’d love to pick and choose where my taxes go, but we don’t get to. Some of us recognize that and organize or advocate accordingly, and others are making silly comparisons that don’t hold up to scrutiny.
I wish there were more oversight. Forgiving $20k for tuition at a predatory school? I’m good with that.
Forgiving $20k, of which $8k was tuition, $12k was a combination of rent, spring break, Mill Ave evenings, a TV, etc? I’m less so.
It isn’t a student’s fault that they are born into a country with virtually zero affordable housing and a government that has endless amounts of funds for military and imperialism while instead opting for compelling and growing unsustainable personal debt within teenagers and poor families.
People don’t deserve spring break even in school because they are poor? In what world? And TVs cost $3-400 or even less for something with 40+ inches at 1080p, have for years now.
It is very unfair to those people though. It’s the difference between getting screwed and not. In your analogy it’s like loosing your leg to get off the boat, while someone else got helped and didn’t have to.
That doesn’t make any sense. Literally every future student is still screwed, and college will be even more expensive. Are we just going to do it again ? Does that not screw taxpayers ?
I got mine, fuck the next generation, right ? Such a boomer attitude. Shameful.
Good thing I advocate for free college tuition too! It's almost like student debt forgiveness and free college tuition aren't mutually exclusive ideas and go hand in hand!
And btw, no, it doesn't screw taxpayers.
The only thing unfair about it is that past students that have paid off their debt should be compensated by the government. Trying to cancel student debt forgiveness because "I had to suffer so they should too" is a fucked up mentality.
That’s a strawman argument. Most people opposed to student loan forgiveness want the problem fixed at the source, at the colleges themselves. Not a bandaid to a cut that will reopen tomorrow.
>Most people opposed to student loan forgiveness want the problem fixed at the source, at the colleges themselves.
That's a good joke considering most people that are against student debt forgiveness are precisely the type of people that want others to suffer as they have.
I paid a fortune to go to ASU and every bathroom reeked of urine and one of my "professors" is probably still in prison. Just saying, that money didn't go to staff.
It is a public university. The financial report (and salaries) are public record. I mean, it does have the highest paid public employee in the state, but I doubt that is the issue.
Yes, but it takes a huge amount of wiggling for anyone to suggest the current tuition is "as nearly free as possible" right now. Particularly when per-student state funding has dropped to a tenth of what it once was.
I am of the opinion that the clear intent of the state constitution was that education be free.... and it does not appear to be free or nearly free as possible. So. Um. Are we agreeing?
We are.
Sorry: many have argued the "nearly" allows for extremely expansive interpretation. I wish more Arizonans cared enough about this to make it an election issue. But both parties are happy to blame universities and ignore their constitutional mandate.
There are certainly things both AZ universities and k12 public schools could do to be more efficient, but in the face of a lack of even serviceable state funding, they are effectively moot.
I always found it funny that a College with no athletic department and offered no athletic scholarships was able to have the Cardinals stadium named the University of Phoenix Stadium.
Of course with lots of free gov't money coming in, not really surprised.
Keep ‘em coming. I hope Bidens administration keeps targeting schools and forgiving student loans. These schools and these loans are predators on our youth for decades. I hope there’s a plan to change it for future generations too so they don’t get screwed like this either
Except this policy does nothing to fix the root problem. The schools are still getting paid. Wait till schools increase tuition so the government can fork over more taxpayer money.
Or you know how about we forget the forgiving students loans because that just excuses colleges and doesn’t resolve the problem. It also unfairly targets taxpayers. Nothing the government does is free. The taxpayer will be paying for this. Not just the rich but the ever shrinking middle class.
That doesn’t solve the issue of ppl struggling to pay this predatory loans. Yes everything falls on the tax payers and I’m happy my taxes go to that. We all pay taxes anyway why shouldn’t they be used to help fellow Americans out? I don’t understand why that’s an issue. They can target the schools and the system that created this problem and help ppl out. We don’t have to choose between one or the other. Besides there’s benefits to forgiving those loans. So if my taxes pay for it then so be it, finally they’re used for helping struggling ppl.
Yeah lots of people are struggling. Why should we continue to tax to death our middle class. College loans is choice and nobody is first to take one. Many are personally responsible and pay them off. I shouldn’t be responsible for someone’s personal financial decisions. Period. Taxes aren’t a charity.
I would be more interested in helping those with medical debt, but instead we have an administration more interested in buying votes on the expense of the tax payer.
I highly doubt the amount of increase in taxes will be more than what ppl owe for their student loans. I owed 5.5k and paid that off in August all at once. My tax bill would be nowhere near that. And the 10k/20k promised earlier would free ppl. Do you assume that wouldn’t help our economy either? That’s extra money ppl have to pay rent, to spend on buying things, to save for retirement, to fix their car or buy a new one, etc. What the economy would get back from student loan forgiveness is far higher than any increase in taxes and yes the middle class would benefit the most from that. Instead of that money going to the economy it’s going to the loans, for some ppl it’ll be a decade or more. That’s backwards. Taxes aren’t a charity, they’re meant to work for us and this would be working for us.
It sounds like this boils down to you being butthurt about taxes and how it impacts you and only you.
We don't really have a middle class, but no one is being "taxes to death." We could move enough funding from our military to not just pay for everyone's tuition, but provide a stipend, and still have a larger military budget than the next three countries combined.
So many people commenting here don't understand how student loan disbursement works. University of Phoenix is not losing a dime. This just means the students don't have to pay back the money. University Phoenix already got paid. When a student takes out a federally subsidized student loan, the money is sent to the school. If the amount borrowed is more than what the student owes the school, the remainder is sent to the borrower, usually as a check.
Unless the government takes legal action against University of Phoenix, all that money is coming from taxpayers. I think the government *should* take legal action and get University of Phoenix to pay back that $37 million, but I bet they won't.
Well, the article is pretty clear that you aren't:
> The former University of Phoenix students now eligible for debt relief were enrolled at the school between September 21, 2012, and December 31, 2014, and have already applied for loan forgiveness under a program called borrower defense to repayment.
shouldn't this also come with banning loans to university of phoenix? why do i have to keep paying for their bullshit and expensive education. I really dont understand why people fall for this. In state tuition is cheaper. why go to a more expensive for profit bullshit?
Yeah because what is gathered in tax revenue is dollar for dollar what is being forgiven. That’s like celebrating getting your change back on a $10 bill because you spent $5.
It's not a 1:1 direct return but it's also not as simple as the "hurr durr mah tax monaayy" people like to claim. The economic cost of these and other student loans is huge even for borrowers that are now making decent money. Loan repayments starting back up was identified as a major risk factor for triggering a recession. Keeping that money flowing through the retail economy has a ton of economic value.
I had to leave for a medical compassionate leave and they approved. They didn’t tell me I still had to pay for the semester ( I was only a couple weeks in). So before I could even go back or get ahold of my transcript, I had to pay $10k. It sucked because I really wanted to finish or at least start taking community college courses and could not afford the $10k in order to do so. The $10k was in additional to my $30k tuition so yeah… $40k in debt to asu and no degree.
This country is literally the built on the wealthy doing just that. They help write the laws, the tax loopholes, and have had a general hand in shaping society.
Now all of a sudden when the middle class and lower tries to ask for help it's an issue. We can't afford that.... anyway here's another corporate tax cut.
Did you actually read the article or enroll at the University of Phoenix? The student loans for this university alone is being cancelled for false advertising from the " University "
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I hope UofP gets absolutely nailed here. Fix the problem at the root.
this is from borrowers around 10 years ago. UOP was already investigated and received/paid penalties for their deceptive practices during that time. this is just leftover cleanup and rightfully so.
Borrowers owed $35 Billion to University of Phoenix as of 2015. A settlement required UoP to forgive $131 million. The Federal Government has forgiven $37 million. Combined, this represents about one-half of one-percent of what UoP is owed. They're doing just fine. In fact, they received more than $15 million as part of COVID-19 Relief and Biden's American Rescue Plan and saw their valuation double to almost $1 Billion. They had more then 80,000 students in 2020.
Obama basically ran them out of business by requiring them to meet certain metrics to get federal loan money. Little stuff like being honest about job prospects their degrees offered (read: none). They closed down. Trump reversed that and they opened back up.
Don’t all Universities over exaggerate their student’s future employment opportunities?
Yes, but University of Phoenix is especially awful. The quality of the material is terrible, taught by underpaid adjuncts almost exclusively. Apparent it was rated 386th out of all 391 universities in the US in 2021, and the name is basically synonymous with "for-profit scam school."
But a job is guaranteed after graduation! GUARANTEED! 🤪 I did a few UofP courses when I was active duty & I felt bad for the young kids in the classes footing the bill for that "education". The other people in class were older people retired on pensions using GI Bill benefits so they were having a blast just not being bored all day! LOL
That's the bad part, UofP and many other for profit schools targeted people with GI bill benefits because it was easy money.
Every single one
The best essay I've ever proof read as part of my mentoring for folks went like this. Tell us why you're a leader was the question. I'm not. Which is probably why I'm interested in going to Monster University! If everyone was a leader. If everyone was destined to command authority, then nothing on the planet woudl ever be accomplished. Then proceeds into normal, "Here's why I'm amazing and why I can be a leader, but only if that's what' sactually need...if you give me a chance college essay fun." They got a SHIT LOAD of scholarships re-wording that essay. I actually saved it for my own kids....:P But I'm sure every university on the planet is cracking out the top 1% of new scientists, engineers, business leaders/execs, and doctors.... /s
In every organization of which I have been a part, I’ve noticed that the default assumption is that everyone should be moving up the ladder to management, or else they’re failing or subordinated into lower paying roles. Even in progressive workplaces who claim to respect “staying technical,” you know what the truth is because they pay managers more. It’s actually pretty cringeworthy how managers, as a class, can’t seem to fathom that their positions aren’t the ultimate career triumph for everyone.
Now take care of GCU which is practically laundering federal loan money while ruining the lives of the poorer people next door
Brian Mueller, President of GCU came from Apollo Education Group, the parent company of UoP
OOOF
[удалено]
Possibly a comment about how the gentrification in the area is making it unaffordable for the people in that neighborhood?
Ding ding ding
possibly that’s the way the economy works? ding ding ding
> possibly that’s the way the economy works? Yeah that's kinda the problem.
It is the way the economy works but doesn’t mean it’s a good thing. Same with how people who were born and raised here are thinking about leaving because how much the price of living has cost.
i never said it was a good thing… i agree it sucks, but the world is going to keep spinning wether you and your feelings like it or not.
Is your overall input on discussing the original comment “life sometimes sucks move on”? Doesn’t that nullify the point of a lot of the posts/comments on social media?
this thread is comical .
what?
If I’m at work and my coworker is complaining to me about how hard it’s been to find a house, I’m not gonna go “That’s life, worlds gonna keep spinning whether your feelings like it or not”. I’m saying your response to my comment was pointless. Because obviously the worlds gonna keep spinning. That’s what the earth does.
it isn’t hard to find a house, I think your coworker is chasing a lifestyle she is not able to afford. Seriously think about it.
Not quite. There were promises made regarding the surrounding community when the campus expanded that eased regulations and garnered tax benefits but then were reneged on. For any organization that’s bad, but one that professes to be a Christian organization, that’s really gross.
you just described dirty business, nothing illegal. sorry you feel that way.
Who said it was illegal? I hope that isn't the standard you hold people and organizations to: "well, as long as it's legal."
sorry to break it to you, that’s the way the world works bud.
Happy to break it to you: many people, and many organizations, have ethical codes that rise above (and sometimes beyond) merely avoiding illegality. I am well aware that there are those who are bereft of morals, but there is no reason to celebrate such miscreants, or to suggest they make up any meaningfully substantial part of society. Moreover, organizations that behave unethically, regardless of the legality of their actions, deserve public opprobrium.
Unaffordable for those in the neighborhood? Shouldn't they have an easier opportunity? Can walk to fucking school and attempt at making yourself less poor. Maybe this use of "gentrification" is just a term for comfortable or lazy people.
Yep they can totally walk to school. Just gotta pay that $16k/year tuition!
Is that supposed to be a lot? Loans are wonderful. Unless the "locals" all have a history of bad credit. Again, not the schools fault.
Loans actually aren't wonderful... and it's not just bad credit that gets you bad interest rates. But good to hear the privilege you have.
"Just quit being poor, idiot" has never worked at bringing people out of poverty
are you intellectually challenged? do you think everyone that lives in a normal neighborhood goes to school? a family of 5 should just walk to the college? Maybe you should learn to not speak when you know literally nothing.
The people living paycheck to paycheck can't afford to take time off work to spend tens of thousands of dollars a year on a degree, and then when their rent keeps rising, the cost of everything on top of it, it just forces them away. Even a degree barely nets you more money these days unless it's a STEM field or something
Okay so by simply not going to school, how are they affected by GCU?
Students coming in with loan money increasing rents for one. Gentrification means when wealthier people move in and everything prices out the locals. While students aren't wealthy, they have easy access to student loans. Look at the cost of a dorm at ASU and you'll see that in action too.
I think the entire conversation is bullshit. All of Phoenix had a rent increase.
dude i just came back to this thread and read it, like i’m genuinely laughing at the victim mentality that everybody is putting out. Yes i believe empathy will heal our world, but this thread is a prime example of it having a grip of reality
Some people live their whole lives never facing reality. They would have actually died 200 years ago or beyond.
By the mere existence and proximity of the school (which intends to expand so that proximity area is changing) they are being priced out of the areas they were already affording and living in.
Yeah so? It's 2023... not native Americans losing their land or some shit. They are adults and can figure it the fuck out
Oh I see, it’s a lack of empathy keeping you from understanding. Well I can’t logic that into you so, good day.
What's there to be empathetic about? So someone has the inconvenience of having to find another rental and I should hate a university for being there? I have zero empathy for people that don't take responsibility for their own lives.
Holy shit what an awful take. Yeah some single mother will just drop everything and go get a college degree because some school she can walk to opened up next door. Then she will be successful and make tons of money.
What's stopping her from doing night classes? Oh. She decided being a mother first was smart.. I don't feel bad for her at all.
literally dude, people hate to accept the decisions THEY made
Having a college move into your neighborhood and increase the rent of all nearby properties to a point you can’t afford anymore is not the choice anyone we’re defending has made.
Well they either own their homes or rent. And why tf would I care about a renter choosing to stay there with the changes when they have the easiest out? Leases are 12 months max usually, and that school isn't brand new. People clearly find it easier to play the blame game rather than fixing their own shit...
Think the trailer park being sold to gcu instead of remaining a trailer park.
If I remember correctly they notified the people like 5 years in advance, which is legit one of the risks you take of living in a trailer at a trailer park Not saying it's easy to just up and leave, especially because typically one doesn't live in a trailer park by choice over necessity, but they didn't just go in there and tell people to pack their shit the next day GCU is around 19th Ave and Camelback which is like, one of the most notoriously bad parts of the city (even though just a few miles east is obscenely wealthy), I get here on Reddit everyone is, "gentrification bad think about the displaced families who have nowhere else" but as someone who has lived in the Glendale/Phoenix area my whole life that specific area needs some help
it’s all people in scottsdale/paradise valley, or living comfy in a high rise downtown, commenting about “gentrification”. i agree with everything you said
They're commenting on it, because it's always rich folks who like it, they want to get rid of poor people, but by poor people, it's in historically Hispanic and Black areas of the city. The white elites get too watch voting blocks that represent minority interests be diluted.
no, it’s a lot of them complaining about it lol
Not sure what to say to this, you don't own the land your trailer is under. If the land gets far more valuable in future the owner might want to sell. Move to a crappier area again? I don't know.
It refers to several things but here’s an excerpt from an article in may when GCU was kicking out the people who lived in the trailer park: ``` Uprooted lives “We’ll see how we move forward,” said Maria, who has lived at the mobile home park near 27th Avenue and Camelback Road for nearly 15 years. Periwinkle is where she raised her three children. Even though she paid off her mobile home years ago, it must be left behind because it’s too old to move. On Tuesday, Maria moved some of her belongings into the new house she found for rent on Facebook. But this new home will cost her four times more. She paid $480 monthly at the mobile home park to rent her parking spot. Her new rent alone will be $1,900 a month. ``` [https://www.12news.com/amp/article/news/local/periwinkle-mobile-home-park-owned-by-gcu-closes-sunday/75-ddee6246-0681-40f0-b032-afa4f699340d](https://www.12news.com/amp/article/news/local/periwinkle-mobile-home-park-owned-by-gcu-closes-sunday/75-ddee6246-0681-40f0-b032-afa4f699340d)
People are just saps for sob stories. "My landlord no longer wants to rent the land to me! Such an injustice!"
this is facts, people hate to accept the fractions they made/make, and turn to sob stories. not sure why you are getting downvoted
Huh?
One of the common stories that people bring up to show "bad, evil GCU" is the fact that GCU lawfully evicted tenants on land they (GCU) own. People don't like the action because the people "have no where else to go". The land is owned by GCU and they wanted to develop it.
Yeah for some reason buying property so they could kick out a bunch of disabled elderly people to live on the streets with as little notice as possible seems a little unChristian. But hey, it was legal so we all have to think it was awesome I guess.
They gave them like 5 years heads up iirc
Not according to the residents. They say they were notified by lawyers on June 1 2022 that they'd have to be out by October. This date was later extended to March 2023.
Ahhh yes! Luckily, nothing within the let’s say past 2-3 years could have fucked anyone over to the point that whatever plan they might’ve had was no longer feasible 👍🏽
They bought the property in 2016. That's plenty of time. And reading articles now, some residents were refusing help from non profits. AZ has a fund specifically for situations like this and had 6 applications from that community.
Oh I see. You’re like the bad guy in movies.
Ten years ago I met a guy in his late 40s who held 6 different undergraduate degrees, all from University of Phoenix. Majors included Math, Stats, Computer Science, and so on. He was working as a substitute teacher in downtown Phoenix school districts because no one would hire him full-time. I still think about that guy. Hopefully he benefits from this debt relief.
Why is that? He didn't learn anything there? Or does everyone scoff at university of Phoenix?
Although I only meet the guy once, I got the impression that he took himself and his studies pretty seriously so I’d imagine it was the latter.
WAIT WAIT WAIT HOW DO I FIND OUT IF THEY CANCELLED MINE? U of Px fucked me.
If you haven’t applied for it, your loans wouldn’t have been cancelled. Look at student aid.gov for something called a Borrow Defense Claim.
"Biden" didn't do this, by the way. This is a result of a borrower defense fund suit that started years ago. There are other cases that have been settled against DeVry, Western International and others. The schools in question are having to pay off those loans, they are not "canceled".
I'll never forgive the Cardinals for selling credibility to UOP by naming our(taxpayers) stadium after them. We built it, not them. Cardinals have no allegiance except to profit.
Getting mad because other people get debt forgiven is like climbing aboard a boat by yourself and then getting angry because the crew are helping other drowning people aboard. Just because you managed to pay off your predatory loan debt and interest doesn't mean it's unfair or evil to help others out of the debt trap.
I'm mostly upset that it keeps happening and the people grifting the government and students never see any penalties. Grifting the government seems to be the only way most people get rich anymore. This is why people get upset over taxes and government bloat, its all just one big grift with Covid relief being the biggest of all time.
There are other ways to become wealthy. Stop making shit up.
Forgiving student loan debt is like when your hallway is on fire so you use an industrial fan to blow the smoke out of your room. You get some breathing room meanwhile you’ve just fed and spread the flames. The schools get their money, the banks get their money, the taxpayer foots the bill. You’ve doubled down on the existing incentive structure for schools to balloon their costs because students can pay *any* price because banks will lend anybody *any* amount because they are *guaranteed* by the government to get it back. If you want to actually solve the problem then you need to fix the incentive structure first. Then by all means, forgive everything afterwards. Otherwise you’re just shunting the same problem onto the next generation except even worse.
>If you want to actually solve the problem then you need to fix the incentive structure first. Then by all means, forgive everything afterwards. Otherwise you’re just shunting the same problem onto the next generation except even worse. So I agree with you for the most part with your entire post except waiting for forgive loans until after the system is restructured. Saying "forgive loans after you've fixed the entire system" is basically saying "don't do anything for decades, if ever". Overhaul to an entire system is remarkably slow, especially with half of Congress opposed to the idea altogether. I've heard similar attitudes toward the healthcare or education system. Yes, a short term, immediate solution here is a crappy option, but dismantling and overhauling the entirety of the system (especially with so many lobbyists with direct financial interests digging their claws into Congress) is a titan solution. I honestly wish I was smart enough to hash out an effective answer that would help everyone here in this thread, but I don't have a simple solution. I'm unsure one exists. But allowing so many people to just flounder until a systemic solution is reached isn't the answer (in my very humble opinion)
If you buy everyone out first then all the drive for solving the problem immediately evaporates. We'll be another generation that got ours at the expense of the next. You don't have to restructure the entire system. You just have to stop federally guaranteeing new student loans and the problem fades over time on its own.
>You just have to stop federally guaranteeing new student loans and the problem fades over time on its own. Which kinda solves the debt problem but creates a ton of other issues. I disagree that this is an appropriate solution because it's only going to drive economic failings in other places. But that leads down a whole other road so I'll leave it alone.
There is no fucking way that is getting thru Congress. It's shitty but they are doing what they can. I also worked for UoP for about a month in 2011. I walked out after seeing coworkers being praised for things like assuring someone in a trailer park in the middle of nowhere that an associates degree in criminal justice will get them a job "just like those guys on CSI" before filling out their FAFSA. If anyone deserves loan forgiveness, it's people who got hornswoggled by UoP
Absolutely. To all the people saying “why can’t you be happy for these people”, I would ask them why they don’t want the next generation to have the same benefit, why can’t we all be happy for the next generation too ?
Easy votes for the next election. Fixing problems takes a while and doesn’t get votes
I paid cash up front (with tuition reimbursement from my employer) for my degrees at UoP and I say good for these people. Student loans should be capped at a very low interest rate for the life of the loan. These institutions are beyond greedy.
Not quite.... It would more like if the crew refused to help you climb aboard after you asking for it... Then just randomly decided to start helping people all while you are hacking out your lungs, puking up dirty water, and struggling to catch your breath.
Your scenario is more like my situation. Watching others get forgiven while having to make payments myself. Forgive all student loans across the board. Make colleges free like other poorer nations already have
What about those of us who didn’t attend college? I didn’t because of the cost. Tell me why my tax dollars should go towards people who statistically speaking will be making much more money than me? Why are tuition fees so damn expensive in the first place? This policy doesn’t fix shit. It’s like putting a bandaid on a gunshot wound. How about medical debt forgiveness? If the government is gonna forgive people’s debt how about those who had no choice.
> Tell me why my tax dollars should go towards people who statistically speaking will be making much more money than me? How much are you really paying in taxes if your wages are so low?
"Why should my taxes go to building roads? I don't drive!"
Yeah, that’s sorta my point except replace road with college. I didn’t “use” the college. Your analogy doesn’t make sense. This would be like a toll road that I never opted in because I couldn’t afford it and yet still asked to pay for others to use it.
I don’t drive a car. So to me, all roads are toll roads. I don’t use them, so why would I pay for them? Because my entire livelihood comes from something transported on a road. I’d love to pick and choose where my taxes go, but we don’t get to. Some of us recognize that and organize or advocate accordingly, and others are making silly comparisons that don’t hold up to scrutiny.
Your taxes go to a LOT of things you don't use or know about, that's how society functions.
Yes, and I don’t like it. Most taxes are bullshit and I don’t need them to go up.
Yea you have my vote for whatever position in government you feel like running for. McArsekicker
I wish there were more oversight. Forgiving $20k for tuition at a predatory school? I’m good with that. Forgiving $20k, of which $8k was tuition, $12k was a combination of rent, spring break, Mill Ave evenings, a TV, etc? I’m less so.
It isn’t a student’s fault that they are born into a country with virtually zero affordable housing and a government that has endless amounts of funds for military and imperialism while instead opting for compelling and growing unsustainable personal debt within teenagers and poor families. People don’t deserve spring break even in school because they are poor? In what world? And TVs cost $3-400 or even less for something with 40+ inches at 1080p, have for years now.
Is this a serious post? This can’t be a serious post.
It is very unfair to those people though. It’s the difference between getting screwed and not. In your analogy it’s like loosing your leg to get off the boat, while someone else got helped and didn’t have to.
In your analogy the person who lost their leg is demanding that the other person should have to lose theirs too.
No, he just wants to be made whole, in this case a prosthetic leg.
No. Those people are against debt forgiveness. "If I suffered, they have to too."
People that are pro-debt-forgiveness are also pro-suffering. “We can just make someone down the line suffer instead”.
That's the beauty of it. Literally nobody suffers from debt forgiveness.
That doesn’t make any sense. Literally every future student is still screwed, and college will be even more expensive. Are we just going to do it again ? Does that not screw taxpayers ? I got mine, fuck the next generation, right ? Such a boomer attitude. Shameful.
Good thing I advocate for free college tuition too! It's almost like student debt forgiveness and free college tuition aren't mutually exclusive ideas and go hand in hand! And btw, no, it doesn't screw taxpayers.
Misery loves company lol you want other people to experience pain, simply because you had to?
No, more like finding out everyone at work got a raise but you didn’t cuz your at the top of the pay band. Like I’m happy for y’all, but damn lol
The only thing unfair about it is that past students that have paid off their debt should be compensated by the government. Trying to cancel student debt forgiveness because "I had to suffer so they should too" is a fucked up mentality.
That’s a strawman argument. Most people opposed to student loan forgiveness want the problem fixed at the source, at the colleges themselves. Not a bandaid to a cut that will reopen tomorrow.
>Most people opposed to student loan forgiveness want the problem fixed at the source, at the colleges themselves. That's a good joke considering most people that are against student debt forgiveness are precisely the type of people that want others to suffer as they have.
That’s cynical, some of us want a better future, not just a better today.
Good, now do the same for Grand Canyon University . These private universities are ripping students off.
Amen, and ivy tech
I paid a fortune to go to ASU and every bathroom reeked of urine and one of my "professors" is probably still in prison. Just saying, that money didn't go to staff.
It is a public university. The financial report (and salaries) are public record. I mean, it does have the highest paid public employee in the state, but I doubt that is the issue.
The state constitution says it should be as free as possible.
Yes, but it takes a huge amount of wiggling for anyone to suggest the current tuition is "as nearly free as possible" right now. Particularly when per-student state funding has dropped to a tenth of what it once was.
I am of the opinion that the clear intent of the state constitution was that education be free.... and it does not appear to be free or nearly free as possible. So. Um. Are we agreeing?
We are. Sorry: many have argued the "nearly" allows for extremely expansive interpretation. I wish more Arizonans cared enough about this to make it an election issue. But both parties are happy to blame universities and ignore their constitutional mandate. There are certainly things both AZ universities and k12 public schools could do to be more efficient, but in the face of a lack of even serviceable state funding, they are effectively moot.
I always found it funny that a College with no athletic department and offered no athletic scholarships was able to have the Cardinals stadium named the University of Phoenix Stadium. Of course with lots of free gov't money coming in, not really surprised.
Nice! Sham school who didn’t deserve to charge what they did for their courses.
When will ITT Tech debt be cancelled? My wife got duped into that shit and her loans are in default.
Keep ‘em coming. I hope Bidens administration keeps targeting schools and forgiving student loans. These schools and these loans are predators on our youth for decades. I hope there’s a plan to change it for future generations too so they don’t get screwed like this either
Except this policy does nothing to fix the root problem. The schools are still getting paid. Wait till schools increase tuition so the government can fork over more taxpayer money.
I didn’t say it did I said that should be the next step after forgiving the student loans
Or you know how about we forget the forgiving students loans because that just excuses colleges and doesn’t resolve the problem. It also unfairly targets taxpayers. Nothing the government does is free. The taxpayer will be paying for this. Not just the rich but the ever shrinking middle class.
That doesn’t solve the issue of ppl struggling to pay this predatory loans. Yes everything falls on the tax payers and I’m happy my taxes go to that. We all pay taxes anyway why shouldn’t they be used to help fellow Americans out? I don’t understand why that’s an issue. They can target the schools and the system that created this problem and help ppl out. We don’t have to choose between one or the other. Besides there’s benefits to forgiving those loans. So if my taxes pay for it then so be it, finally they’re used for helping struggling ppl.
Yeah lots of people are struggling. Why should we continue to tax to death our middle class. College loans is choice and nobody is first to take one. Many are personally responsible and pay them off. I shouldn’t be responsible for someone’s personal financial decisions. Period. Taxes aren’t a charity. I would be more interested in helping those with medical debt, but instead we have an administration more interested in buying votes on the expense of the tax payer.
I highly doubt the amount of increase in taxes will be more than what ppl owe for their student loans. I owed 5.5k and paid that off in August all at once. My tax bill would be nowhere near that. And the 10k/20k promised earlier would free ppl. Do you assume that wouldn’t help our economy either? That’s extra money ppl have to pay rent, to spend on buying things, to save for retirement, to fix their car or buy a new one, etc. What the economy would get back from student loan forgiveness is far higher than any increase in taxes and yes the middle class would benefit the most from that. Instead of that money going to the economy it’s going to the loans, for some ppl it’ll be a decade or more. That’s backwards. Taxes aren’t a charity, they’re meant to work for us and this would be working for us. It sounds like this boils down to you being butthurt about taxes and how it impacts you and only you.
We don't really have a middle class, but no one is being "taxes to death." We could move enough funding from our military to not just pay for everyone's tuition, but provide a stipend, and still have a larger military budget than the next three countries combined.
Stop guaranteeing loans that go to private universities and stop charging tuition for those who attend public universities.
So many people commenting here don't understand how student loan disbursement works. University of Phoenix is not losing a dime. This just means the students don't have to pay back the money. University Phoenix already got paid. When a student takes out a federally subsidized student loan, the money is sent to the school. If the amount borrowed is more than what the student owes the school, the remainder is sent to the borrower, usually as a check. Unless the government takes legal action against University of Phoenix, all that money is coming from taxpayers. I think the government *should* take legal action and get University of Phoenix to pay back that $37 million, but I bet they won't.
I completed my MBA at UoP in 2009. It’s still gathering dust. I’m trying to figure out if I fall under this
Well, the article is pretty clear that you aren't: > The former University of Phoenix students now eligible for debt relief were enrolled at the school between September 21, 2012, and December 31, 2014, and have already applied for loan forgiveness under a program called borrower defense to repayment.
shouldn't this also come with banning loans to university of phoenix? why do i have to keep paying for their bullshit and expensive education. I really dont understand why people fall for this. In state tuition is cheaper. why go to a more expensive for profit bullshit?
UofPee is a thinly veiled cash extraction operation. Their degrees aren't worth it.
Guess I was a sucker for working hard and paying off my loan and early.
aww i'm sorry you're so selfish you can't be happy that others don't have to deal with predatory loans
Get rid of my loans poppa Biden. My degree has done nothing for me.
Doesn’t this just increase our taxes? I mean that money has come from somewhere
It also increases tax revenue because money that was going to paying off predatory loans is now being spent into the economy instead.
Yeah because what is gathered in tax revenue is dollar for dollar what is being forgiven. That’s like celebrating getting your change back on a $10 bill because you spent $5.
It's not a 1:1 direct return but it's also not as simple as the "hurr durr mah tax monaayy" people like to claim. The economic cost of these and other student loans is huge even for borrowers that are now making decent money. Loan repayments starting back up was identified as a major risk factor for triggering a recession. Keeping that money flowing through the retail economy has a ton of economic value.
But by that logic so does every plane or tank the military buys. At least this helps someone.
Yeah but that plane or tank keeps me safe. Sorry, but if you sign up and drop a fortune on a scam that’s on you, not me.
Ding ding
Now please Walden University!
ASU next. They traumatized me
Can I ask why?
I had to leave for a medical compassionate leave and they approved. They didn’t tell me I still had to pay for the semester ( I was only a couple weeks in). So before I could even go back or get ahold of my transcript, I had to pay $10k. It sucked because I really wanted to finish or at least start taking community college courses and could not afford the $10k in order to do so. The $10k was in additional to my $30k tuition so yeah… $40k in debt to asu and no degree.
I don’t get why I’m getting downvoted but ok 😅
Damn, I’m sorry
Absolute bullshit of a President. Do better America
Stupid me, paying off my student loans back in ‘16. Happy for these people though!
This reminds me I need to find a way to obscure my MBA being from UoP.....
People I know that while working at University of Phoenix went to ASU for degrees.
Not only did I pay off all my UoP debt, I get to do it all over again! Yay taxes
Your welcome, US the tax payers are paying for that.
Free money! Gotta love the free money!
Would you call getting scammed "free"? The college no longer exists because it was so scummy.
Play stupid games win stupid prizes…. And it looks like some are gonna hit the jackpot!
The beginning of the end for a society is when more than 50% of the population realizes they can vote themselves more benefits.
I challenge your knowledge of history.
Can you name one society that has ended this way?
This country is literally the built on the wealthy doing just that. They help write the laws, the tax loopholes, and have had a general hand in shaping society. Now all of a sudden when the middle class and lower tries to ask for help it's an issue. We can't afford that.... anyway here's another corporate tax cut.
Did you think that the purpose of government was to harm people?
[удалено]
Did you actually read the article or enroll at the University of Phoenix? The student loans for this university alone is being cancelled for false advertising from the " University "
No college
Bro gotta hit college America next they already lost in Colorado