92% slept in this morning lol

It makes me mad that all the "worst" degrees are degrees that progress humanity. Like everyone hates The Arts and thinks Art degrees are useless until Beyonce, Taylor Swift and Marvel drop new content then all of a sudden it's "We love the arts"

My loan is 42k but that's because I realized after the first year that community colleges existed. My parents set me up fr despite knowing loans were predatory. My phone is 82% at 10:24

@@vvitch-mist20 Arts degrees aren't useless and can snag very well paying jobs.

@@freeinghumanitynow People often dunk on creatives UNTIL they make money from their craft. As a broke writer if I ever make it I will state at nauseam that creatives are still worth people's time and money even if they themselves are new, inexperienced or poor.

I didn’t go and I feel like I didn’t miss out on much. Thousands of dollars a semester to have a roommate in the same room…. Not nourishing foods…. Public 🚿…. Friends you make at the time but not guaranteed to last…. 🤷🏾‍♀️

I went to a community college and did a certificate of completion doing game art and programming. I loved it. I only took the classes I wanted to earn the certificate and some extra art classes and I didn't take out any loans and paid it all out of pocket. I met my current boyfriend of 2 years at my college's gaming club. The college experience was worth it for me because I knew right out of highschool I didn't want to go into debt just to get an art degree that's not really needed for me and that's how I stumbled upon the certificates of completion. They're not degrees, take less time, you only take the classes you need for it (no core curriculum) and you still get a piece of paper saying you went to college. I'm now working at an art nonprofit, a painting studio and I have my own business selling my artwork.

I agreeeee

That's true, but it pays off later in life.

​@@TomGrobI hope so 😅. I'm from a very poor family and I had to take several breaks from studying and work to pay for everything myself

I‘m also finishing med school in my early 30s

That’s completely different though, medicine, engineering….careers where it’s a necessary investment where it’s completely worth the salary you’d get after schooling. Majority of majors it’s not worth the investment. Especially if you have NO idea what you want to do and go for something generic with no specific career in mind.

That’s why she said don’t go into something that’s not demanding and won’t pay off later …….. listening is key

📢 I agree!

Facts,

Right. Like people love to bash social workers and psych majors, but then turn around and complain about “the state of mental healthcare “ and when it’s their loved ones, they’re all up in arms about their relatives not receiving adequate care, but social services is chronically underfunded and understaffed

@@MJ_Solo exactly. And those mental health care workers often start out as humanities students seemingly 'without direction' because they have bucked the STEM and commerce trends

This is what no one is talking about. I've seen people use that refund check to party in different countries for spring break and to get designer clothes.

This!! Yes I saw the kids BALLING on everyone else with their refund checks, yes buying Designer Clothes. I’m glad people are finally talking about that!

Amd it was done on purpose

FORREALL

I was paid nearly $700 although I didn't put it aside, it lasted me through my freshman year, helped me with car troubles, helped my mom out at home, put gas in my car, got me snacks I wanted. Now that I have debt I've decided that IF I take out another loan I'll immediately put that money aside and get it into an account for my debt. I've saved $400 already on a $150 a week pay (and no, I didn't give up living for saving. I still go out) from a 2 month job. I'm really proud of where God brought me. I just recently found out my degree is useless without a bachelor's, but my only goal is to graduate without debt and keep living. God got me with or without my degree.

Totally agree. I got my engineering degree for 120K in loans. However I'm going to be able to pay it off in only 3-4 years of paying, and I'm about halfway there now. Did I have fun in college? Sometimes. But not usually.

Same. Super thankful my dad paid for NYU

I saw it myself. One of my friends who is an amazing artist went to cal-arts but still to this day.. no major concept art job which they wanted...cal-arts so expensive and all the art kids were raving about going there. Same with Ringling

Oh yeah I almost went to art school too, as soon as I heard the price I was like NOPE.

As soon as I saw the price I wish I was smart enough to say " Nope". Unfortunately I wasn't because of my art dream of wanting to start my career and get the help needed. I was an online student for a year or for the first semester and I realized it got too expensive so I dropped out. It sucked to pay off the small amount of a thousand dollars but it could've been worse. Like 40 or 60 thousand dollar debt if not more.

I couldn't agree more! THE DEGREE MATTERS! You are a good mother to explain this to your children. 💕💕

Nobody wants to talk about how job searching is actually a talent. I know young folks who are really really good at navigating the job search. They have great resumes, utilize Internet and offline resources and are typically really fantastic interviews. They don't sit on tik Tok ranting, raving and complaining all day. College can be an effective tool but you have to be smart enough to know how to go for free and then use it to get the good job. Many many folks are doing this. It's not impossible but not everyone is blessed with the talent, intelligence and patience to get it.

@@freeinghumanitynowdid you do college

But my debt is only 20k still a lot but damn

My lil bro doing the same. With a minor in business. He did an internship, and got accepted into a college program this summer to be a research assistant in the field with a local company partnered with the college. He has no debt right now.

How come they work as psychologists without a degree? 😮 Or did I get you wrong and you're working other type of job?

What job are you doing where other people don’t need a degree to work in high positions of the medical field.

​@@kiansimone2587lowest I've heard. 20k is a dream.

What did you study

When I turned 18, I realized I was kinda on my own college wise, as my parents made me pay for everything on my own when I turned 18, so I decided to go to community college, and go for a computer systems engineering associates. The tuition is 3.5k a semester and the grants I qualified for are paying for my second and third semester :) (didn’t qualify during first semester), and my mother said I should take student loans to pay for first semester tuition and supplies, and ofc I listened🙄 so I have some loans (5k), but I started paying them back as I had the money, and so it’s a non issue now. I’m only about to go into my second semester this fall but I want to get way ahead of the curve financially because I’m so scared to be in debt like my parents are lmao

Same but i might go back to do a 1 year program at the local community college here in texas

I had a car my senior year and FAITHFULLY skipped class daily! By 12 my and a car full of people were GONE from campus. I graduated 5th of my class and my sister #2. We hadn't done any work in weeks, maybe months. Got I to college with a semester of credits under our belt and continue to go. We're walking each other through finances, learning about taxes, credit, types of accounts, we've already saved 1k between us both. One thing we agree on is not to graduate with 15k+ of debt. We've decided we'd rather work our butts off than have interest hit us when we graduate.

@weirdmyst7963 High School seniors should be hooked up with an employer of their choice to learn what these employers need to successfully hire them. They can assist them with skills, certification, schooling, training, apprenticeships and whatever they need over that year. Even if it doesn't work out between the student and employer, the student gains valuable skills to seek employment elsewhere!

Also Uni loans cost wayyyy less in comparison to the US

@@Ca11MeMayb3how much

Right honestly I feel bad for Americans 100k+ for student loans that's insane for students born in England it's around 9k per year for all university courses and here I thought the international fees were super expensive but American is on a whole another level.

Very interesting concept! I can't imagine that in our society. I mean, we have food banks and other resources but... But IF peoples debts get bad enough and resources aren't available, unfortunately they could end up on the streets. 😩

Inherited debt? I am not familiar with that. Joint and several liability applies with married couples. A decedent's estate has to pay their debt. Not sure how anyone can inherit debt?

@@dreamchaser5758in some countries some debt can pass to children,e.g., Denmark.

People really just be eating hot chip out here…

They should have taught you about compound interest or predatory loan practices that make you go into more debt.

Wages what? Oh nah, I gotta set up a payment plan NEOW

@@weirdmyst7963 Yes an depending on your interest rate you have to pay more than the minimum payments to make a dent in your debt

Yesssss!

Also general degrees only work in certain instances. Talking to the liberal arts, communications, and general business majors. For the love of all things holy please do not go into major debt for these degrees. Many warehouse jobs no offer tuition reimbursement for people who are looking to go back to school this is also a great option for young people. Do not takeout more than a general first years salary for a degree. Of course this doesn’t apply to doctors or lawyers but even they can cut costs. it ain’t in stem make it as cheap as possible don’t let the old heads convince you college is the only way to network either it is one of the best but not the only way

I've touched them I'm now $ 3200, but I've already got nearly $500 of that saved and praying I am hustle to find a good job for the next.

The average student loan in the US is 30k. Which isnt that bad, until you look at interest rates, and medical bills. That stuff ads up quick.

The 100k is because people are taking out loans to live on campus as opposed to commuting unfortunately

Especially if you don’t have the right major in the first place

If you do a boot camp please do be careful. I am in the cybersecurity field and so many of these cybersecurity related bootcamps are traps that were just following the money. For profit bootcamps have been popping up like flies for this field due to a perceived demand for these roles. This field is not easy to get into, just like many other fields in tech, without connections. Demand is high but NOT for entry level positions; it's so hard to just get in I feel for you. It's a lucrative field and if you can get in, secure. I'm absolutely not telling you to give up, but just be careful! 12k is a LOT for a bootcamp when there are many free online courses that teach the same thing. Where a bootcamp would help is those industry connections so you wanna vet that they WILL help you with that. Good luck!!!

I am speculating so take what I say with a grain of salt, but I am currently working my first entry level job out of college and can see avenues towards the cybersecurity field with enough time and effort put into networking. I majored in accounting and information systems at my state university and got hired by an accounting firm to do IT audit consulting. Not gonna lie, the expectations and stress have been grueling but it pays 80k for entry level and my team is full of great people. I think the stress will be well worth it for the range of career trajectories I can follow. If I were interested in getting into cybersecurity, then I would stay on my current client where we’re working with management to remediate their IT controls and facilitate the annual audits of the company. This project will only last another year or two, but it’s likely a large portion of our team will stay on the same client with different projects that target more IT needs of the company. Some of the managers on my team are expecting to stay on projects with this company until the point the company hires them directly at a director+ role. This is because they will have 5+ years of knowledge in the company’s environment and that is valuable experience. Committing to a career in IT compliance seems like a solid way to learn IT infrastructure and network with IT departments at the various companies you end up working for as a contractor. I’m personally unsure where I’m heading, because the consulting route seems too high-stress for me. This should point me to find a laidback IT career but I’m unsure with the layoffs if that still exists. And I do like business for other aspects, so I am looking into staying in compliance consulting until I’m ready to leave corporate all together.

@@chickenapplepie3141 Trust me I know there are a lot of scammers out there 😂. I was only looking at one that’s with UCF. But I’m just not willing to pay that 12k so I may end up at my local Community College getting my degree in the field. I know it’s hard from all my research to get in a Cybersecurity position or any tech position. I believe that it’ll be worth it in the end when I am in that position.

That's an awful plan. The current cs/swe/developer market is awful. The time where bootcamp graduates being able to just do one and be able to easily land a job is a thing of the past. It's now known that companies will filter out bootcamp graduates, especially those without a college degree. Especially when game development is one of the worst work life balances.

@@Daisy-ns3qo he’s 12 at the moment all of this could change. As a stranger you should Stop telling me how to parent and what’s good or bad when you don’t know me. People in the industry say college didn’t prepare them to be a developer. The tech high schools in my area teach coding all four years of high school. Stop giving unsolicited advice and worry about you and yours please!!!!!!

A lot of skills REQUIRE a college degree.

That’s terrible, hope you pay that off

I am sorry to hear that youve had these challenges while attending college. I am glad you have spoken out about many of your issues and hope actions were taken to stop it from happening to you or others again. I feek you on colleges charging alot for textbooks etc. I had similar thoughgs when I was in college too considering how much they were getting. Quick question. What do you mean by yall were made to chose routes created by professors and other staff? Just wanted to better understand. 💕💕💕

@@SocialSymoneWhen I was a music major, I had 15 credits I was taking which was too much for me so I tried doing part time for college. I ended up failing some of the courses sadly. After the summer when I returned to fall semester, I was told by the music department to choose another major yet I was willing and working to give those courses another shot if they could Mabel arranged throughout semesters to make it easier for me to take. Yet they wouldn’t give up on that idea so I needed up switching to special education as my current major. I’m also not allowed to be a music major at my college for some reason.

​@kaishawna3753 dude idk how they can just prevent you from being a certain major.. I feel like that shouldn't be allowed? Not sure how far along in the program you are but if you still want to do music, I'd transfer to a school or trade school. Ik it's tough though. I currently am teaching myself how to mix music to hopefully work in the music industry someday but I'm nervous that not having a music degree is setting me back.

@@kaishawna3753how are you

@@thesammieleewhat type of music would you do

I've heard many of the same things from people who are in college currently!!!! When I was in college, a few of my professors were a lil sketch too! 🤣

Very similar story here! 😂 You had to put you first!!! I love my mom too 💕💕💕

Well if trump wins, they can kiss that pension goodbye.

Thank you sis! I hope you like the video!!!!

📢 THIS IS THE ONE! I agree! It doesn’t make them a bad parent either. Many parents do the best they can and just can’t afford that. And THAT’S OKAY! But just asking them to do it without considering the effects it could have is not in the child’s best interest in my opinion, especially if they Aren’t willing to help! After 18 most people are on their own financially. I seen that way too many times and the kid suffered as an adult after. Even at 18 you have to do what’s best for YOU long term. College can be a great option if you have a good plan and I’m with you about community college 1000%! A lot of people Want the big name ones all four years. It’s cool if you can afford it but if not…whyyy when there are other ways like doing 2 years community and maybe 2 at a well known after to cut cost… Just my take but you have great points!!! 🏆