学生贷款[问题]

[Fenix]

主坛上不是有个人说"当初借钱的时候, 就应该考虑到自己的困难. 既然借了, 砸锅卖铁也应该还上".我正在提前想办法呢

 

[大熊猫]

最初由 红颜知己 发布
主坛上不是有个人说"当初借钱的时候, 就应该考虑到自己的困难. 既然借了, 砸锅卖铁也应该还上".我正在提前想办法呢

这不是正确的借钱观念.

 

[shusheng]

最初由 红颜知己 发布

呵呵,其实我既不记得贷款利息,也不记得line of credit的利息,只是如果line of credit的利息低的话,可以这样还贷.

:flaming: 红大嘴 :smokin:

 

[Fenix]

最初由 shusheng 发布


:flaming: 红大嘴 :smokin:

这是什么典故?

其实我一开始就想问那两个利息到底是多少来着,又怕被说是P.........,就忍着没问

 

[Fenix]

最初由 大熊猫 发布

这不是正确的借钱观念.

那怎样树立正确的借钱观念呢? :blink:

 

[shusheng]

最初由 红颜知己 发布

这是什么典故?

其实我一开始就想问那两个利息到底是多少来着,又怕被说是P.........,就忍着没问

查了前面，原来８％不是你说的。
我陪礼道歉　:blowzy: :blowzy:

 

[Kent以东首帅哥]

最初由 人淡如菊 发布


What I'm trying to say is: those who accumulated credit card debts due to reckless spending shouldn't be viewed the same as those who accumulated student loans due to schooling. Even though higher education may not be a necessity, at least it has more validity than say, going on a big shopping spree with money you don't have.

And haven't you heard of people who are working and still have student loan debts? I do. There are co-workers of mine who worked for several years and still haven't paid off their loans yet. Is it 'cause they are lazy and stupid or wasting away on a luxurious life, not exactly, it's 'cause the debt is just that high (see the 50K with 8% example).

But whatever, we still have to pay off what we owe, so I'm not complaining about the system, just trying to clarify it for those who are viewing it as a walk in the park.

That's some difference on the purpose. But the real reason for people oweing less than 20K student loan and couldn't pay it off is simply because they don't have the incentive to pay it off.

Even at $8/hr, that's $14400 a year, assuming 37.5 hrs per week, or $13000 after tax. The minimum cost for a single could be squeezed to under $300/month as we know, but let's leave it for a much comfortable $600. You still have $6000 a year towarding paying your loan if you really want to pay. And we are not talking about finding a 2nd job, salary raise, etc.

Of course, if you insist on living a $600 1-bedroom with yourself, go vacations 2-3 times per year, driving a BMX, buying a house, you won't be able to pay 1/10th of a merely several thousand dollars loan even you find a 30K or 40K work as REDFACE mentioned.

And I, too, won't bother to pay a loan with such low interest which could be relieved from time to time, if it's lower than my auto loan or etc.

 

[小C]

听说很多人自己有钱不用,放银行里头存着.然后扎贷款,真要还的时候,找不到工作了,不得不从银行拿钱,还贷款.这些人是心里过意不去的.

其实就那么点钱,有算来算去的工夫,还不如找个自己喜欢的专业,然后找个自己喜欢的工作.

运气不好,就窝着打工呗.别老想着度假,大房子什么呢.

 

[小C]

最初由 Kent以东首帅哥 发布



That's some difference on the purpose. But the real reason for people oweing less than 20K student loan and couldn't pay it off is simply because they don't have the incentive to pay it off.

Even at $8/hr, that's $14400 a year, assuming 37.5 hrs per week, or $13000 after tax. The minimum cost for a single could be squeezed to under $300/month as we know, but let's leave it for a much comfortable $600. You still have $6000 a year towarding paying your loan if you really want to pay. And we are not talking about finding a 2nd job, salary raise, etc.

Of course, if you insist on living a $600 1-bedroom with yourself, go vacations 2-3 times per year, driving a BMX, buying a house, you won't be able to pay 1/10th of a merely several thousand dollars loan even you find a 30K or 40K work as REDFACE mentioned.

And I, too, won't bother to pay a loan with such low interest which could be relieved from time to time, if it's lower than my auto loan or etc.

就是啊,汽车买了.还能开.使着...文凭,要是不会用,顶多就是张废纸.
帅哥也别给他们算了,那个划算,只有自己才知道...

 

[人淡如菊]

最初由 Kent以东首帅哥 发布

The minimum cost for a single could be squeezed to under $300/month as we know

Heh, <$300 a month, I think it's safe to say that there are more people who won't be able to endure that type of life style than those who can...

BTW, where can you find a 1-bedroom for $600 in Ottawa I'd like to know...

 

[小C]

最初由 人淡如菊 发布

Heh, <$300 a month, I think it's safe to say that there are more people who won't be able to endure that type of life style than those who can...

BTW, where can you find a 1-bedroom for $600 in Ottawa I'd like to know...

你要是真心租,我就给你找.但是有尝的.

 

[人淡如菊]

最初由 CARLSBERG 发布


你要是真心租,我就给你找.但是有尝的.

我刚搬家一个月多点哪，就是好奇，好像六百不大可能。

 

[小C]

公寓里的房子可能不行.不是有很多人买了房子然后往外租吗..600块,差不多可以阻到两个房间.

 

[Kent以东首帅哥]

最初由 人淡如菊 发布

Heh, <$300 a month, I think it's safe to say that there are more people who won't be able to endure that type of life style than those who can...

BTW, where can you find a 1-bedroom for $600 in Ottawa I'd like to know...

The point is too much people are living in a life standard they can't really afford. Also, too many smart youngsters say "Earning is better than saving, so I don't have to save", but in reality, they can neither to earn nor to save.

Say, you borrowed $20k money, you couldn't find a job, you still want to spend $600/hr on housing instead of sharing a $200 room with other people, and then you complain why you have to pay $20k back. I just don't get that.

$300 a month isn't too hard if you know the right way to do, and I only used $600/month in my calculation upon. Anyone complains $600/month is intoleratable for a single living in Ottawa?

 

[patrickpei]

最初由 红颜知己 发布
主坛上不是有个人说"当初借钱的时候, 就应该考虑到自己的困难. 既然借了, 砸锅卖铁也应该还上".我正在提前想办法呢

好在我没借,8%,

如果借了,我的把HY卖了, 估计才能还.

:smokin: :smokin: :smokin: