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Student loans

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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Without taxes a person can keep ALL of their money without giving it to the state.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    But then who would pay for the hospitals to be built, for the towns to be cleaned, for your trash to be taken? By paying for yourself only it wouldn't work out cheaper.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    There should be no NHS and hospitals should be privately owned.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by monocrat
    There should be no NHS and hospitals should be privately owned.
    Do you have private health care? Did you all through your education go to Private school? If you went to University did you pay all you tuition fees and not use student loans?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    No. And?

    The free market can take care of everyone's health needs.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by monocrat
    No. And?

    The free market can take care of everyone's health needs.

    Oh FFS how many times have I said this to you - health care and education are merit goods, they are goods which would be underprovided for in the free market thus harming society. This is basic economic theory which all economists agree on. I suggest you go and learn some economics before spouting such nonsense.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I don't listen because I've taught myself only to take notice of my own views.

    Someone else from now on.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    If you only take notice of your own views than why continue to waste our time and your own with your repeated inane drivel?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by ElysiumUnknown
    It'd be fine though, we'd just raise taxes so all the illiterate people can have loads of benefits. Mono wouldn't mind that, I'm sure.

    I would. Benefits are unnecessary. :)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    I don't think that Student Grants should be brought back. The Student Loan system seems to work well enough. And there are various bursaries and grants for the desperately poor.

    I don't agree that all people are entitled to higher education. People have a right to a certain level of education, but that right ends at 16. After that it is your choice to carry on into further and higher education, and you must be prepared to pay for a service.

    I believe that the current influx of a much larger number of people in the UK's universities could be very damaging to the Higher Education. With all the old technical colleges now rebranded as universities and offering places to people with very poor qualifications, there is a great danger that a university degree (irrespective of the institute) is going to become seriously discredited. Too many people can get them too easily and standards are slipping greatly.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    I believe that the current influx of a much larger number of people in the UK's universities could be very damaging to the Higher Education. With all the old technical colleges now rebranded as universities and offering places to people with very poor qualifications, there is a great danger that a university degree (irrespective of the institute) is going to become seriously discredited. Too many people can get them too easily and standards are slipping greatly.

    at a cost though, I don't understand how the drive to get more people into uni is going to work alongside higher fees. it seems to me that universities are far too interested in competing with each other and are forgetting about the "service" they are supposed to be providing. they're becoming far too commercialised.

    my lecturer told me that my university was doing grand financially until the new Dean came into office and started making lavish investments to make the uni a centre of excellence for research. now we are millions of pounds in debt and they're having to shut down loads of departments (including mine :( ). why does my uni feel it has to be a "centre of excellence". it's just a small, mainly engineering-based, place. the departments that were once "excellent" like off-shore engineering and Russian are being pushed out because the more commercial aspects like Business and Management take precedence. And I mean, every goddamn uni does management!! My uni should be sticking at what it's good at!

    *breathes out
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by monocrat
    I don't listen because I've taught myself only to take notice of my own views.


    Because that's productive isn't it?

    And how would the free market be good for education?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    I don't agree that all people are entitled to higher education. People have a right to a certain level of education, but that right ends at 16. After that it is your choice to carry on into further and higher education, and you must be prepared to pay for a service.

    So I have a very intelligent 16 yr old who could make something of herself (hypothetically) but im a single parent and I cant afford to send her, what then?
    What you seem to be saying is that if your wealthy and can pay for higher education then do it, if you cant afford it then get a dead end job . Why should it end at 16 years anyway? at 16 your not an adult are you.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by BeckyBoo
    So I have a very intelligent 16 yr old who could make something of herself (hypothetically) but im a single parent and I cant afford to send her, what then?
    What you seem to be saying is that if your wealthy and can pay for higher education then do it, if you cant afford it then get a dead end job . Why should it end at 16 years anyway? at 16 your not an adult are you.

    There is funding in place for people in that situation.

    I'm not saying that Higher Education should be limited to those who can afford it. I'm saying that it should be limited to those that deserve it.

    16 is the age at which you are allowed to leave school. Anyone who goes into the sixth-form and university are making a conscious decision to do so.

    One last thing, it's 'you're' not 'your'. I don't wish to be offensive, but I find it quite annoying when people do that.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    There is funding in place for people in that situation.

    Isn't that the same as grants:confused:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by ilovebusted
    Isn't that the same as grants:confused:

    Yes and no. Grants were given to all students. The current funding is only given to people with a very low household income.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    I'm not saying that Higher Education should be limited to those who can afford it. I'm saying that it should be limited to those that deserve it.
    But who does deserve it? People who recieve all B's and above in A-Level? I wouldn't think that was very fair. If you've done A-Levels that I think you'd deserve to do a degree because not everyone can stick to 2 years of hard work. Some naturally intelligent people don't work at all, I don't think they'd deserve to do a degree to someone who is less intelligent and has worked hard during their education.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    There is funding in place for people in that situation.

    I'm not saying that Higher Education should be limited to those who can afford it. I'm saying that it should be limited to those that deserve it.

    16 is the age at which you are allowed to leave school. Anyone who goes into the sixth-form and university are making a conscious decision to do so.

    One last thing, it's 'you're' not 'your'. I don't wish to be offensive, but I find it quite annoying when people do that.

    Not enough funding if you ask me. I'm not sure what the amount grants are, but I'm under the impression from people who applied for it that it's only a few hundred.

    Sounds like you're insinuating poorer people don't deserve higher education.

    And there are people who make the conscious decision to go to university but are deterred by the amount of money it costs even if they don't have to pay for fees and receive the full loan because the total cost of spending three years at university amounts to a considerable figure. Not to mention loans and debt scaring people off. The financial situation at home often decides for some people whether they go to uni or not.

    Oh, one last thing; not having money makes life considerably harder for people, it annoys people when others don't realise that. :)
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    There is funding in place for people in that situation.

    I'm not saying that Higher Education should be limited to those who can afford it. I'm saying that it should be limited to those that deserve it.

    16 is the age at which you are allowed to leave school. Anyone who goes into the sixth-form and university are making a conscious decision to do so.

    One last thing, it's 'you're' not 'your'. I don't wish to be offensive, but I find it quite annoying when people do that.

    The funding doesn't amount to much. Plus the fact that potentially charges are involved puts lots of talented people from poorer backgrounds off saying that the average student debt is £12,000 may not seem much to you but to someone from a poor background that's a hell of a lot of money and is enough to act as a deterrent no matter how much the government tries to assure us otherwise.

    University education should be solely funded by the state. There are many good reasons for this; firstly, the more people that go to university, the more educated our population is so the further forward we can move - helping our competitiveness. Secondly, these people will be in higher paid jobs thus paying more in taxes thus making university more than self-funding. Thirdly, there is an ever increasing demand for jobs that require degrees when we have people we can train to do these jobs why let them go to waste? Fourthly, there's the fact that we're going to financially cripple today's students who will have to pay their loans and fees back, pay an extortionate mortgage and save for their pensions - something's got to give. Finally, there's an old fashioned belief that not everything can have a price tag put on it, education is one of them - education is an invaluable resource to a person and society and we should maximise opportunities to use it wherever possible.

    How else do you expect poor people to climb out of their poverty - you moan about these people on benefits not wanting to improve themselves, here are people who want to improve themselves and you seek to deny them help? How do you expect these people to get out of poverty? Or would you rather they stayed there because behind all this talk of dumbing down of degrees there's an uncomfortable feeling that these people could actually get the top jobs and you don't like the idea of competition?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by ilovebusted
    But who does deserve it? People who recieve all B's and above in A-Level? I wouldn't think that was very fair. If you've done A-Levels that I think you'd deserve to do a degree because not everyone can stick to 2 years of hard work. Some naturally intelligent people don't work at all, I don't think they'd deserve to do a degree to someone who is less intelligent and has worked hard during their education.

    If you have very poor A-levels you shouldn't go to university. You should either re-sit, or you should go and get a job. Posession of A-levels shouldn't guarantee entry to university. That should only be the case for those with good A-levels.

    A-levels are an indicator of ability. A good set of A-levels indicates the ability and purpose of the person. That is why university entry is decided by A-level results and not IQ-tests.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Yes, but define what a good set of A-levels are.

    A-levels are now an indicator of how fucked-up the marking system is that year.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by ElysiumUnknown
    Not enough funding if you ask me. I'm not sure what the amount grants are, but I'm under the impression from people who applied for it that it's only a few hundred.

    Sounds like you're insinuating poorer people don't deserve higher education.

    And there are people who make the conscious decision to go to university but are deterred by the amount of money it costs even if they don't have to pay for fees and receive the full loan because the total cost of spending three years at university amounts to a considerable figure. Not to mention loans and debt scaring people off. The financial situation at home often decides for some people whether they go to uni or not.

    Oh, one last thing; not having money makes life considerably harder for people, it annoys people when others don't realise that. :)

    I have not once said that higher education should only be pursued those from weathy families. I said that higher education should be open only to people who are high achievers. I don't think that it is right that people who have barely passed should be allowed to study for a university degree.

    People aren't put off by the cost of university. They're put off that when they won't have enough disposable cash to go out and get trashed every evening. When they see how much of the loan has to go to cover costs (which is the whole purpose), they realise that it won't be the big piss-up that they were expecting.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by kevlar85
    The funding doesn't amount to much. Plus the fact that potentially charges are involved puts lots of talented people from poorer backgrounds off saying that the average student debt is £12,000 may not seem much to you but to someone from a poor background that's a hell of a lot of money and is enough to act as a deterrent no matter how much the government tries to assure us otherwise.

    University education should be solely funded by the state. There are many good reasons for this; firstly, the more people that go to university, the more educated our population is so the further forward we can move - helping our competitiveness. Secondly, these people will be in higher paid jobs thus paying more in taxes thus making university more than self-funding. Thirdly, there is an ever increasing demand for jobs that require degrees when we have people we can train to do these jobs why let them go to waste? Fourthly, there's the fact that we're going to financially cripple today's students who will have to pay their loans and fees back, pay an extortionate mortgage and save for their pensions - something's got to give. Finally, there's an old fashioned belief that not everything can have a price tag put on it, education is one of them - education is an invaluable resource to a person and society and we should maximise opportunities to use it wherever possible.

    How else do you expect poor people to climb out of their poverty - you moan about these people on benefits not wanting to improve themselves, here are people who want to improve themselves and you seek to deny them help? How do you expect these people to get out of poverty? Or would you rather they stayed there because behind all this talk of dumbing down of degrees there's an uncomfortable feeling that these people could actually get the top jobs and you don't like the idea of competition?

    The funding and loans that people receive is actually a great deal. As a student myself, I've see how much people get and how easy it is to get. I saw a University Counsellor to ask about basic budgeting (even I'm not infallible), and the first thing that she did was to tell me all the different bursaries I should apply for. All I wanted was advice on how to better moderate my spending, so that I've have more money to spend when the weekend came round. I've heard people complain about a lack of funds. However, the poverty-stricken student is a myth. I've not once heard someone complain about not having enough money to buy food. They complain because they've just bought a new PS2 and now they can't afford to go out and get trashed. They complain because they've just bought a new TV and DVD player, and now they can't afford new rugby boots. It's all relative. I've met plenty of students from a variety of backgrounds, and not once have I heard someone complain about not being able to afford the essentials. Plenty of students complain about a lack of funds, but they're always available to go to the Student's Union for a pint. Incidently, I make do without a Student Loan as I am not eligible for one. But that's neither here nor there.

    You make some very conflicting statements. One minute you're claiming that all university graduates will end up working in such highly paid jobs that the tax revenue will be great enough to continue funding the next generation of student. The next minute, you're claiming that students leave with so much debt that they can't afford a decent home. Which one is it? Also, Student Loan repayments don't kick in until the person's income reaches a certain level.

    As for trying to deny poor people access to certain things, give me a break. I've not once said that higher education should be limited to the wealthy. Far from it. If people are intelligent enough to study at a university and have shown their ability with a good set of A-levels, they are more than welcome to go to university, irrespective of their background. I have more than enough confidence in my own abilities to not be "afraid of the competition".
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom

    One last thing, it's 'you're' not 'your'. I don't wish to be offensive, but I find it quite annoying when people do that.

    Oh im so sorry, obviously Im one of these people who had a very poor education :rolleyes:


    to be honest I found it rather petty you pulling me up on a slight grammar error !!!

    Edited to add I have just read you sig :
    "Don't sweat nothing petty" then pulling me up for a petty little error :lol:
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    The funding and loans that people receive is actually a great deal. As a student myself, I've see how much people get and how easy it is to get. I saw a University Counsellor to ask about basic budgeting (even I'm not infallible), and the first thing that she did was to tell me all the different bursaries I should apply for. All I wanted was advice on how to better moderate my spending, so that I've have more money to spend when the weekend came round. I've heard people complain about a lack of funds. However, the poverty-stricken student is a myth. I've not once heard someone complain about not having enough money to buy food. They complain because they've just bought a new PS2 and now they can't afford to go out and get trashed. They complain because they've just bought a new TV and DVD player, and now they can't afford new rugby boots. It's all relative. I've met plenty of students from a variety of backgrounds, and not once have I heard someone complain about not being able to afford the essentials. Plenty of students complain about a lack of funds, but they're always available to go to the Student's Union for a pint. Incidently, I make do without a Student Loan as I am not eligible for one. But that's neither here nor there.

    Maybe it is, maybe it isn't. Maybe you're a wee bit jealous that these people can afford new PS2s and TV/DVD players and you can't? Besides they're paying it all back as a loan so what does it matter what they spend it on? I disagree with you by the way, I don't think students do get enough - most have to get jobs and work either in the holidays or during term time and then still struggle, especially in the second year when there are additional costs of utilities and rent as GWST and Kermit pointed out in the other thread. Now we hear from them about what a struggle it is and yet you say that students are swimming in money - I think you overlook the effect of job incomes, parental contributions, bank loans and credit cards that get many people through university which should not be the case.
    You make some very conflicting statements. One minute you're claiming that all university graduates will end up working in such highly paid jobs that the tax revenue will be great enough to continue funding the next generation of student. The next minute, you're claiming that students leave with so much debt that they can't afford a decent home. Which one is it? Also, Student Loan repayments don't kick in until the person's income reaches a certain level.

    I was comparing the effects of the present system against the desirability of free higher education. If you have free university education these students go on to in virtually all cases paying the top rate which is more than enough to pay for the next generation of students. Under the present system the government expects us to pay back the loans and tuition fees, pay for an extortionate mortgage and save for our own retirement? That was what I meant and what I said, maybe you should double check my posts if you find them complicated to grasp. Whoop-de-doo! You get a few grands leeway - fact is the level at which you start paying back the loan is a level that most graduates should easily be earning at so it really makes little difference - the debt is still there.
    As for trying to deny poor people access to certain things, give me a break. I've not once said that higher education should be limited to the wealthy. Far from it. If people are intelligent enough to study at a university and have shown their ability with a good set of A-levels, they are more than welcome to go to university, irrespective of their background. I have more than enough confidence in my own abilities to not be "afraid of the competition".
    Yes you are trying to deny poor people access to higher education, I don't think you comprehend how daunting the thought of all that debt and charges is to someone from a poorer background. It puts people off going to university even if they are able enough to go. If these people are intelligent enough to go to university by whatever standards, you surely must agree that we should send the nation's brightest to university and remove any deterrents for them going? If you have enough confidence in your own abilities why do you begrudge these people a chance to study and gain knowledge and improve their lives?
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Arguing that only people with top grades should go to university is, well that's your opinion. But what about those people who have done A-Levels but not got high grades. What happens to them? Do they go off and become hairdressers or mechanics (sorry for the sweeping generalisation, just wanted to make an example) and join in the same ranks as those who left school at 16? Since the big wave of reforms that lead to all the polytechnics becoming universities, there's no middle ground any more. If you don't go to uni after doing A-Levels then what's the point of doing A-Levels?

    If the institutions were in place then yes, you could have universities for the elite and technical/vocational colleges for the moderately average. But times have changed now and regardless of whether there's a dumbing down of degrees, a degree is what you need to get a decent job. And even then it's no guarantee, as no doubt we're all aware!
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    .
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by girl with sharp teeth
    not being nasty, but if people are not getting decent a level grades then they don't have either the academic ability or the inclination to work for a degree. if they aren't good enough to get onto a degree course then that's sad but the way the world works.

    perhps not but there are other courses, HND for instance, but they still involve going to university. that's just the way the system is.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
    Originally posted by squat_tom
    I have not once said that higher education should only be pursued those from weathy families. I said that higher education should be open only to people who are high achievers. I don't think that it is right that people who have barely passed should be allowed to study for a university degree.

    People aren't put off by the cost of university. They're put off that when they won't have enough disposable cash to go out and get trashed every evening. When they see how much of the loan has to go to cover costs (which is the whole purpose), they realise that it won't be the big piss-up that they were expecting.

    I didn't say you did, I said you insinuated it.

    You have yet to define 'good' A-levels or what being a 'high achiever' entails. I agree people with no educational ability or motivation probably shouldn't go to university, but the fact is whether universities accept them or not.

    Yes people are put off by the cost of university. You have fees, rent, cost of stationary, books and other equipment, living costs and a social life to fund. People want the full university experience and it costs a substantial amount. If people didn't think students were already financially crippled there wouldn't have been so much protest against top-up fees by students themselves.
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    Former MemberFormer Member Posts: 1,876,323 The Mix Honorary Guru
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