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From: RepHansenClarke
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  • UPDATE: Since I last commented on Rep. Clarke's vid here, there's been information about THREE (3) upcoming petitions addressing this -- So, without any further comment, I ask you to "size up" the situation here -- Do you just want to 'complain' or rather do you want to DO SOMETHING: --> If you want to DO something, then DO this: Go to MY YouTube profile, and look at *either* of my 2 most recent videos on Higher Ed/Student loan mess & click 'Show more' & scroll to the bottom & SIGN the peitions.

  • I like the way we're able to watch this video w/snowflakes falling over it, lol.

  • Yes, many countries around the world provide a free university education, including some poor countries because they understand the importance of having an educated population. The US is falling behind other countries because we refuse to educate our people.

  • The government and educational institutions are at fault. The government had left the colleges and universities raise tuition too high for middle and low class students while the educational institutions make no effort to reduce their tuition. Look for example UCLA which just paid a sport coach over 12 million for a 5 years contract instead of using the revenues from its sport events for education and keep tuition low.

  • We make the bombs for free. I pay 5k in federal taxes and they can't even drop me a credit on my federal student loans because the need the money to build $1,000,000 tomahawk missles, of which we can afford to drop more than 100 on Libya in a sngle day. We can afford to collectively pay for student loan debt just like we collectively pay for bombs.  Oh and remember these are American educations we are discussing. Remember the last time your restaraunt order got screwed up or the person in c

  • Oh, for God's sake! The Federal Reserve is sitting on 14 TRILLION dollars. Of course everything can be free. Cuba, with a tiny economy and under blockade conditions (meaning other countries are not allowed to trade with it), has never charged a cent for health or education. A $5 ration book buys you basic foodstuffs for a month. Students have no business paying their "fair" share. There is nothing fair about soaking young people for an education.

  • Funny isn't it? Not too long ago(OK maybe back in the dark ages) I got a loan for college, but the loan stipulated at that time that I didn't need to make payments until I got a job in the field that the degree was for- not as a retail clerk or a waiter...

  • . Stop acting as if you white people were the only ones who pay taxes. Mexicans work and pay taxes as much as anyone.

  • As far as the University of Mexico being tuition free, young people of Mexican descent in the US didnt have a choice--they were brought here by their parents. They're there and these are here. As far as illegal-- what was legal about the US Americans invading the Southwest and stealing the land and killing off half the Mexicans and other natives who lived there? Who made the law? An unjust law is not one anyone is bound to obey.

  • If we vote more congressman like Rep Clarke into office, maybe we would have less crooks in congress. Looking out for the interest of the banks and wall streets and forgetting about the tax payers that place them in office to create jobs and built our economy, not destroy it. Close family members have masters and PHD's and by the time they finish paying, they will be retired. Thank you President Bush, I know the banks gave you that interest money to make sure students stay in dept.

  • Bankruptcy protection should be afforded to student loans. The only person in Congress fighting for us indebted students at the moment is Hansen Clarke; I urge that we all support his battle.

  • The private student loan industry is a scam! For example, Sallie Mae had once also been a government entity. Now, Sallie Mae is a hybrid-private corporation that not only gets government-backed benefits, but reeks in the benefits of being a private corporation... in that its executives and high-level management positions benefit most by way of excessive salaries (not to mention, shareholders). This is all at the expense of the most vulnerable... students and their parents.

  • Thank you for taking the time to represent those who really need help! We are trying to better our future by going to college & attaining an undergrad & grad degree & making a positive impact on the U.S. society. I have more student loans than I can even bare to think about. I am looking forward to graduating, but terrified of the amount of the repayments! Something HAS to be done - and soon. The constant stress & worry over student loans is unacceptable AND I've always worked during school!

  • It is about time that someone in congress stands up for the millions of former students who have effectively become endentured servants. I call on all of us to send him a small contribution as a symbol of our support for his efforts. If others in congress see the support, they are more likely to support this effort too...

  • My daughter majored in "Developmental Disabilities", one of the lowest status, lowest paid jobs in the country... and one of the hightest stress jobs. With a BA and 15 years of experience she is now making $9.00 an hour. Her car loan from Capital One is a 20% interest rate. And corporations like Capital One are crooks. She made her payments religiously by working several jobs, asked to refinance for a lower interest rate and they said they don't refinance existing loans. Crooks!!

  • The education system is a scam, and it has been made that way since the mid 1970s after the social upheaval protests were fostered on college campuses. :(

  • Our educational system and our student loan debt is a disgrace!! And then you have for-profit schools ripping off families with substandard education with no oversight!

    Capitalism is infected by too much greed an it's on its way in sending us all to hell..

  • Yea, our entire education system needs reform. Even Elementary through High school needs reform. Teachers don't give a shit most of the time. The subject material isn't encompassing enough. People are passed just to get rid of them instead of giving them a grade they deserve. In my honest opinion, this entire country needs to be rebuilt from the ground up.

  • The money to pay for free health and education will come from the same place the money to pay for the trillion dollar wars in Afhanistan and Iraq came from. It will come from that pallet with several millions in cash that disappeared from an airplane hangar in Iraq. It will come from the budget that paid the billion dollar contractors that gather like locusts as soon as a war is announced. It will come from the offshore drug money laundering banks in the Bahamas.

  • Yup, I lived in Europe and in many countries, a college education is free as is health care. But the richest country in the world just won't do that. The problem too is that greedy loan sharks are managing these loans. Students can't get jobs so they default. And their loans go through the roof. Even if young people go bankrupt, they can't forgo these loans. It's a noose around their neck for the rest of their lives. What's wrong with this picture?

  • I agree with Rep. Clarke, but don't just complain: Please see either (or both) of my 2 most recent YouTube vides for not one, BUT TWO open petitions that address this issue. -- Yes, I admit normally online petitions are ignored (as forgery is easy), but in the video notes, I *prove* that BOTH these videos can become a *permanent* part of Thw Whitehouse online archives -if you would just BUT HURRY! --Go to my lastest 2 vids -- Click & Sign -and ask your friends to sign. FOR THE STUDENTS. -Do it!-

  • In the late 70's early 80s'I took out loans for a total of 32,000 for two years of graduate school. This loan has defaulted twice. The first time when it defaulted it went up to 65,000. When the 65,000 defaulted it went up to 91,000. The loan at this time is over 100,000. Also my credit has been very bad for over 25 years because of my defaulted student loan.

  • After attending medical school, I have OVER $300,000 of debt at nearly 8% interest. Obama's wonderful Interest Based Repayment adjustments do not apply to me because I took my loans out a year too early. This interest rate is criminal, as was the tuition to obtain my degree. As we as a country face a drastic shortage of primary care doctors (who receive the lowest reimbursement for one of the most challenging jobs), this must be addressed, or the health of the country will suffer dramatically.

  • @docmjf I just wanted to make sure that you knew that you could try to rehab your federal loans by refusing to pay a downpayment but insisting on reasonable and affordable repayment for a year, and then consolidate your loans. This bumps you up in time with a new loan date so that you too can qualify for IBR.

  • My student loans are all subsidized. I work for non-profits for minimum wage and they are in deferment. The interest on these is 5%. Not bad. But costs about $50 a month. That's about $600 a year. I've been living like this for about three years now, and it looks as if little will change in the coming years. That's about $1800 so far. That is 8% of my debt. If the money was spent in lowering the debt instead of paying interest, the taxpaying public would save money, if it was forgiven.

  • @litrehead oh it's not changing that's for sure. saddle up, get to know your neighbors, grow stuff, learn self defense,

  • I appreciate Congressman Hansen speaking out, however, repayment is impossible without a job, even a small amount. A job is impossible with the bad credit sally mae bestows on the students. Because of bad credit coupled with inability to get a job, my daughter's degree was held by her school. She is in a "catch 22" She doesn't have a chance in hell! This is deplorable for a parent to watch, after she paid her debt to society by attending and completing college. She's a good kid.

  • I owe 45000 in student loan debt. Every month I pay 400 and like 25 goes toward the principal. The additional 375 goes to the Dept of Education. This is in fact a huge education tax, about 10% of my income. Why does the DOE need to collect interest? I don't want my loans forgiven, just the interest, please! Give me a change to dig out.

  • @JohnnyPowerhead ...True. People don't fucking understand. We don't want a bailout. We want to have the ability to refinance to better terms and have the interest we pay the gov. (in a gov. loan) fully tax deductible. People don't realize that many borrowers don't make a huge dent in their debt because so much of the payment goes to interest and much to all of it is NOT deductible. All of that interest goes where? To the fucking banks' bailouts. Outrageous!

  • I would LOVE for my loans to be forgiven completely - however - I am okay with paying back what I borrowed with interest.... what's NOT okay is that my interest rate on something intangible like education is nearly 2 percent higher than the interest on my HOUSE!!

  • Venezuela is the same!!! Free education for all!!!

  • wm226 - I had private student loans and declared bankruptcy for other reasons before 2005. They were not forgiven.

  • @sherrymx3 The idea that student loans should be exempt from bankruptcy is outlandish! Part of the reason to why the cost of higher education has increased sharply is due to the fact that student loans cannot be included in bankruptcy -- and banks are aware of this fact; thus they are willing to lend any amount. The institutions, including colleges and universities, are also aware of this fact. It's a scheme that cost students their lives and sanity. This needs to be changed.

  • Thank you Rep. Clarke! Maybe there really is SOMEONE in Congress that remembers they are working for us!

  • Rep. Clarke seems to be the only member of Congress that is fighting for students that are struggling with excessive student loan debt. Thank you Rep. Clarke... your efforts are well appreciated -- and at the very least, students should be able to include PRIVATE student loans in bankruptcy -- as was permitted under bankruptcy laws prior to 2005.

  • "Debt first, free stuff later". This is not a simple disagreement--it goes to the heart of how a society should be oranized. WHO CAUSED THE DEBT? I never voted for the army of private contractors running up a trillion dollar war bill paid for by our taxes. I paid taxes to have free education, medical care and jobs. The privatized government hijacked our money and gave it to their cronies- the privatized capitalist lobbyists who put them in power and can take them out. They did it to you, too.

  • Great job congressman Hansen. The problem is that Tea Party (and they are not patriots) will shoot it down because it would benefit people in need. They are the party of corporations which don't want to pay their fair share and would rather the majority of americans or the 99% pay for them...Wake up middle class...Vote those 40 some freshmen congressmen out of office. You all need to realize they sold you a bill of goods and they do not have your interests at heart. Please pay attention.

  • The only way education can be more reasonable or free is to pay for it in some way. California used to have free tuition to state university for in-state students - and they had some of the best universities in the world. But under Reagan they froze property values for tax purposes. So, the state no longer has the revenues to afford its university system. Other states find themselves in similar situations.

    The truth: you want something you have to PAY for it. even if it means taxes go up.

  • Thank Rep Clarke for remembering what many of our decisions in government should be about: Our kids....

  • The Gov't needs more congressmen like Hansen who will speak out against this student loan racket.

  • Thank you, Rep. Clarke, for standing up for our next generation. It's a disgrace the way the program has been mismanaged. R Ruder

  • Rent is just TOO DAMN HIGH!

  • Thank you Hansen Clarke!

  • Im not impressed. Education is not supposed to be loaned out, and the payments are not supposed to be "reasonable". Education, inlcuding college and university, is supposed to be FREE. I talked to a young med student in La Habana who told me the State not only paid for his education, it gave him a stipend to live on while he continued his studies, because he lived in another part of the country. Graduates have a guaranteed job waiting for them. The University of Mexico is free to all.

  • @guajolotl That's a simple disagreement over what the government's duties are. Your stance is that the government should be there to make the lives of the citizens more convenient, while the contrasting view is that the government is only there to keep its citizens from interfering with each other. I see the merit to both situations, but currently we are not in the situation where we can afford to be a convenient government. Debt first, free stuff later.

  • @heroclix0rz

    You have it backwards, if you invest first in a thriving well educated work force, a vital important infrastructure, much better wages can be earned, then cuts are less important due to a real increase in revenues. The underlying problem, over the past thirty years, while the price of everything has risen dramatically, wages have been stagnant, at best. Low and mid, middle class wages need to 15-30% higher, that would provide much more heft to the market and revenues.

  • @guajolotl

    You are right! The Mexicans and Cubans have it right,equal educational opportunity for all. If we forgave much of the student loans made in the past 10-20 years, it would be at the expense of the Banksters (Gangsters with a B) and the top .01% who hold most of the shares, they would have to eat the losses, seems like a small first step towards repaying our society for the huge losses they generated with their risky, would have been illegal if not for their lobbyists, practices!

  • @guajolotl

    I agree with guajalotl. We need FREE higher education in the USA... just as every other MORE ENLIGHTENED country already enjoys. This is why the other nations are starting to surpass us: because our young people are becoming under-educated, due to the increasingly prohibitive costs of higher education in America.

    Forgiving former student loan debt is a nice Band-Aid... but it's still not addressing the source of the problem. We need to do more... a lot more.

  • @guajolotl In China, its college students pay no tuition. In France and many other first-world nations, college is also provided at no cost. There is something wrong when students are made to pay in excess of $15,000 to $40,000 per year to finance their urge to learn and become scholars. The banks have simply taken advantage of students. And The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 is evidence to banks having such a strong grip on members of Congress.

  • @guajolotl Where will the money come from to pay for their education?

  • @guajolotl the university of mexico is free to all....hmmmm, sounds wonderful, so if its free then why do they all illegally try and come to our neck of the woods so the tax payers can pay for their dream act college education?

  • @BIGBOYMATD They don't...you've been lied to again and should know better that to listen to Government propaganda...its a disgrace how dumb most American citizens are

  • @BIGBOYMATD

    Illegal immigrants come here because it's so easy to make money by ripping people off AND have the government and idiot citizens like you back them while they do it. The only immigrants that come here for schooling go to the schools America's own citizens can't afford to attend and then LEAVE and go back to their own country.

  • @parrish001 You really have no idea what the life of an immigrant--let alone an illegal immigrant is like. You're demonizing these people when you fail to realize that it's NOT easy to make money here. Illegal immigrants can't even work--they have NO way to make money unless they provide craft services for friends or interested buyers. So many sweeping generalizations in one post...

  • @UntilYouRunOutofCake

    Demonizing? Where did I demonize anybody?

    Yes it is. The majority of immigrants who come here do it to make money. But Americans tend to believe it's because America is so "free and great"...

    They can't work? I live in California. They're everywhere.... Lol "craft services for friends or interested buyers"? Talk about generalizing dude.....

  • @parrish001 "...it's so easy to make money by ripping people off..." How are il.ims. "ripping people off"? I, myself, was born in California. And, as the a daughter of two illegal immigrants, I think I know a thing or two about their ability to work (or lack of). Cali has a higher concentration of il.ims., but you're assuming "they" are all illegal. Some actually have claims to residency and have permits to work. Don't generalize. If people can't legally work, they have to get creative.

  • @UntilYouRunOutofCake

    Ripping people off as in what pretty much every business and person does in this country anymore. The rich aren't rich because they cared. The lies surrounding this country bring immigrants here to make money

    You assume you know me, it's kind of funny. Almost every job I've had had a few illegals. My school had many kids with illegal parents. My friends parents are illegal. I've known illegal kids as well

    Your second nor third comment doesn't add to the conversation.

  • @parrish001 You're not going to find il.ims. in CEO positions--or ANY position with any real authority; it's great to see you're elaborating on the positions il.ims. are statistically more likely to hold. And, like I said, Cali has been statistically proven to be more forgiving for that group, but everywhere else is NOT. Every job I'VE held has had absolutely NO illegal immigrants--and Florida is a state full of Cubans and Haitians. It's kind of funny how silly sweeping generalizations are.

  • @UntilYouRunOutofCake

    Obviously you've never seen business outside of corporate drooling...

    You throw around sweeping generalizations when you're making most of them.

    All I said from the beginning was that immigrants come here to make money or go to schools that most Americans can't afford to attend then leave.....

  • @parrish001 I also wanted to be clear: you're only exposed to the il.ims. who can find some work. You're not seeing those who can't--the vast majority of them CANNOT find work and, though I wish they could, there's nothing anyone can do so as long as we keep them illegal because we can't get our nationalistic heads out our racist asses.

    On another note: I agree that most corporations are shitty and so many rich people are SO entitled to their ridiculous corporate handouts... It's frustrating.

  • @UntilYouRunOutofCake

    Lol. Right back to the assumption that you know me, huh?

    Like I said, I've known illegals and still know illegals. Some have had jobs, others haven't.

    Keep them illegal? The only one's who can change the fact are the illegals themselves. They came here illegally after all.

  • @parrish001 1. We institutionally keep people illegal, this is done by:

    A. Preserving the attitude towards victim-blaming and minority burdens (such as what you did)

    B. Institutionalized racism to allow workers and lawyers within the field to intentionally slow processing and potentially deport at their whim (yes, this is a huge issue)

    C. Keeping inefficient and bloated methods of processing foreigners that force many of them to wait decades to get the authority to even VISIT

  • @UntilYouRunOutofCake

    Dude, why should people be allowed to come here illegally and then have the right to become legal with ease?

    Try moving out of country... Most other countries won't accept just any moron willing to move into the place. There are requirements. In most cases you need either a special skill (engineering, scientists, etc), skills that benefit the country, or a bachelors degree.

    So why should the US be any different?

  • @parrish001 1. Other countries do not have the issues with immigration that the US does in this degree. Immigration is a HUGE issue to the USA, and it's unlike any other country. 1b. Who says those "other countries" are doing it any better?

    2. The same is required in this country. You can only declare residency after 5 years of consecutive living (it's 1 year in most countries), and then you wait another 5-10 years for legality. It's a guaranteed 2 in most countries.

    3. People are only legal -->

  • @UntilYouRunOutofCake

    1. You think Europe and Asia doesn't have an immigration problem? Look at all of the countries there... Christ..

    2. Exactly... So why should illegals get a free pass...?

    3. Yes, because every illegal was faced with the option of having their child raped and forced into hard labor or "jumping the gate"... I've already addressed this... you've given no other information on it... just keep repeating yourself

  • @UntilYouRunOutofCake

    Edit:

    2. It's the same for most countries... Two years is nothing. You can get a work visa or holiday visa for more than a year... I've never seen any country with a 2 year wait until RESIDENCY, not legality... There's a difference, which you apparently don't understand

  • @parrish001 if we define them that way. We are deciding, based on some rule, what legality is and means, by definition. If we encourage people to come here legally and offer an efficient way to process visitors in reasonable time periods, we will see a MARKED decrease in illegal immigration. People come here illegally because they have no choice. If it's between waiting 10 years in a tyrannical or unsuccessful, sexist regime forcing your kids into hard labor, you'd jump the gate, too.

  • @parrish001 PS You're assuming illegal immigrants are morons. That's both racist AND ableist.

    The USA already HAS standards but it's NOTORIOUS for its ridiculously long waittimes when processing VISA requests. American schools are open to everyone around the world, and the only reason why we're not outputting professionals (even though we are, they're just swimming in debt and jobless) is because public schools are failing to motive people to become professionals and seek college educations.

  • @UntilYouRunOutofCake

    No, schools are complete crap and don't teach students a damn thing, that's the problem. The immigrants who come here just for schooling usually attend the collages most Americans can't afford, like I said...

    I assume they're morons now? You assume you know everything. About me, about what I'm discussing, about the topic... You took my first comment out of context in the first place just to argue, dude.

  • @parrish001 *motivate

    Please stop blaming people who come here legally and seek educations to take to their countries if they choose that. If you want all American schools to reject foreign students, you'd have to get the gov't involved in restricting the audience of the educational business. You hate them if they're coming here to learn. You hate them if they're coming here "rip people off". Do you see what's happening here?

  • @UntilYouRunOutofCake

    When did I blame them for anything? Are you completely retarded? This is getting ridiculous.

    I state a problem and you assume something else to argue about it

  • @parrish001 PS You don't seem to understand immigration law at all:

    People can come here LEGALLY and then have no other choice but accept illegality when they A. can't afford to renew their Visa out of the common issue for plenty of immigrants: that they're shit poor and B. can't learn the language when they can't afford to take grammar classes and rely on "learning through osmosis".

    There are plenty of other ways that we make it impossible for immigrants to take refuge from backward gov'ts.

  • @UntilYouRunOutofCake

    I'm speaking in regards to illegals in the sense they came here illegally to work.. It was your choice to change the topic into the broad sense to somehow disprove me with information I wasn't talking about in the first place.

  • @parrish001 PPS Why do you think immigrants come here? JUST to make money? Religious freedom? What's WRONG with that? And what's wrong with wanting to return to your country? It's THEIR decision, one that you have no right to discredit or impede upon. Didn't YOUR family come here for that reason?--to be ABLE to make decision?

    Don't act like you wouldn't "jump the gate" if the choice was between waiting 10-20 years for a VISA or your children getting killed or raped or sick. Yay, victim-blaming!

  • @UntilYouRunOutofCake

    When in the hell did I say there was something wrong with it?

    But if you want to come here, do it legally. What's wrong with that?

    In regards to returning to their own countries, I was talking about those who attend schools here just to return to their own country. America isn't teaching it's own citizens to be those engineers or scientists, we're teaching immigrants the skills to send back to their own country. That's what's wrong...

  • @UntilYouRunOutofCake

    And now all of a sudden those who come here illegally only have the choice between that and having their children raped? LOL nice excuse.

  • @parrish001 Another thing you're not considering is the rest of the il.ims. around the country. Just because you think you see them working illegally, doesn't mean they 1. are completely undocumented 2. are all in Cali. Cali is known to be a better place for a lot of il.ims. (like how certain areas in your city are better for the homeless!), but it doesn't mean they don't have to get crafty. Statistically, il.ims. are "self-employed" and do have to find specific audiences for their products.

  • @parrish001 PS In case you're forgetting: il.ims. are NOT LEGALLY capable of working. So, like I said, they have to build social networks and try to sell whatever it is they're advertising (services/goods/whatever it may be). If that means they get exploited by huge corporations, then they'll do it. Because, really, who wouldn't? Others don't have that "opportunity", so they sell their trinkets on Venice Beach or do upholstery or household repairs for interested audiences.

  • @guajolotl We cannot afford to just make everything free. The prices that you do have to pay are ridiculous and need to be reduced, but free is also not an option. It costs money to pay instructors. It costs money to purchase textbooks. It costs money to purchase required tools and outfit labs and classrooms. It costs money to maintain facilities. Each student should pay their fair share for services and product received.

  • @StupidButCunning Fed/State gov'ts raise revenue to maintain public services (like K-12 schooling) by taxation. As a nation, we don't tax enough to maintain any quality K-12 services. Higher education is most certainly not a privilege, and it shouldn't be "marketed" as such. If taxes were applied fairly and efficiently, cost of education would dramatically decrease because of a larger pool of people contributing--as opposed to each person having to sell their firstborn children.

  • @StupidButCunning *child

  • i'm wondering if this will cover students from 10 years ago that are still paying on their loans or will this only be for students moving forward?

  • “There are too many lawyers who charge $300 an hour. There aren’t too many lawyers who will handle a divorce at a reasonable rate, or handle a bankruptcy at a reasonable rate. But there is no way to be that lawyer and service $150,000 worth of debt.” This year, the World Justice Project put the United States dead last among 11 high-income countries in providing access to civil justice." NYT 12/11 "For Law Schools, a Price to Play the A.B.A.’s Way"

  • @davinaamiri

    Maybe Doctors and Lawyers would be able to charge real world prices, and solve real world problems if they had a free education, no?

    I cut myself pretty bad, 98 stitches, it took two hours, in a side bay, some thread, super glue, a local to kill a bit of pain, an overprice tube of antibiotic gel, no test, no imaging, nothing, really simple. The price was over $9,000, for two hours, ridiculous, I could have done it myself with the pain killer. The high cost of school cost us all!

  • thank you!

  • This is a VERY important issue! I have predatory private (Sallie Mae) student loans with interest rates over 10% and no ability to consolidate (they stopped doing that). It is depressing and has limited me from moving on with my life.

  • What he said -- HOWEVER: to do something about it, come to *my* channel YouTube channel here, & see either of my 2 most recent videos & *sign* the petition. - Before it's too late.

  • Hansen Clarke is a hero fighting for the people of this country.

  • Thank you Rep Clarke !

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