I am from India just a day from becoming 19 and passed highshool just going to enter college. My father passed away a year ago and it is the same time I going to take student loan when I encountered this video. A great handsoff to jeffrey sir , a straight forward men to men advice.

I was a high school English teacher in a very, very tough urban school, and I gave this talk to my 10th graders from time to time. I had lots and lots of them who absolutely refused to believe me when I would tell them that if you don't graduate college, you still have to pay back the student loans you take--they simply rejected that notion as being *unfair.* Yikes! I retired about 10 years ago, I'm sure at least some of them have found out the truth the hard way, heh!

I don’t generally comment - but THIS video is just Brilliant man. It should be compulsory material at every school.

Your channel is a hidden gem. Thanks for sharing all this knowledge.

I needed this badly...I’m a senior this Fall for college and I should’ve heard this since day one.

When he said "you have to graduate for this to actually work out" I felt that

IF you are a STUDENT, please watch, take time to think and APPLY the wisdom. YOU will dramatically increase the probability of WINNING the BET on yourself. Your choice - a successful life or a painful, empty existence. I'm grateful to you, Professor, for imparting your wisdom.

This video came at the perfect time. I’m thinking of going back to school as an adult.

Your how to do well in college videos is one of the best things that happened to me academically. Funny, interesting, and educative. They tremendously changed my perspectives on studying. Prof Kaplan, thank you so much for taking out your precious your time to do this.

So glad I found this playlist!!when I first went to school impulsively no one told me any of this I didn’t even know how loans let alone fixed home mortgage loans worked.I stumbled so much from 18 yrs old to 22 lost..now that I’m going back to school and I know what I want to do I’m blessed to have this resource thank you so much

If only I had come across Philosophy before I begin my college. I am taking it part time. This is evident to be the key to unlocking so many struggles I faced

Professor Kaplan, it’s people like you who share rich experience that benefits massively students like me. Words cannot express my gratitude for your free access lectures. Thank you ❤

I had bad study skills going in to college. I thought that I could cruise through class like I had in high school, but I was wrong. I corrected my study habits, but I also only ever got average grades that kept my gpa mediocre. And I never felt like I could keep up with the course work enough to do well on exams. I was set on being an engineering student, although I had proclivities for the humanities. I knew about the student loans dilemma, but I figured that I had a better chance of getting a job as an engineering graduate than otherwise, so I graduated with a bachelors in engineering. I am not sure if this is correct, but my takeaway is this: major in something you are good at, AND that you enjoy doing. You have a better chance of getting good grades that way, and so you have a better chance of graduating with a high gpa. You might have to take the hit of having a degree that employers aren't hiring for, and that's something you have to decide for yourself, if the risk of that is worth it.

Congradulations sir for finally getting that tenure.✨ Your message has been highly influential and strikes a cord like no amount of sheer pep talk or parental scolding can. As a student in IIT Delhi, even though our student loans are uncommon here, you still manage to speak to the core of what makes a good student by striking a balance between the logistical and the personal to really engrain the fundamentals of what you're trying to say. I'm sure I'll be coming back to this video and playlist time and time again, for which I thank you sincerely.

bro im one of your students, actaulkly thank you for adding this to the curriculum, this is literal gold and I would've never cared to learn otherwise.

Thank you, Professor Kaplan. I would love to see a video where you discuss applying to graduate school and your graduate school experiences, also.

Problem with this is that the time when you take school loans and need to complete school is exactly the worst possible time to take undischargable debt. Early adulthood is when people are still figuring themselves out, when many mental illnesses begin showing symptoms and for many people their support network may be in flux.

i can't really express my feelings right now- just wanted to say i am so grateful to you that you decided to make these videos, unbelievable experience and great insights which are really unique

you're like the type of parent that everyone wants and needs. You're out here REALLY educating young people(and people in general) about the things that the educational system refuses to teach(no offense) because they'd rather see young people struggle financially because that's just more money in their pockets!!

Easy to understand and useful video. Amazing job! Thank you for the valuable information. I'm sure you'll get your job tenure.

This lecture is great, thanks for sharing and hope there will be more！

Just wanted to say Hi from Belarus. Great videos, epic delivery as always

This was awesome. Very enlightening.

Another very well done video. I’ve seen pretty much every video you’ve done. All very informative and easy to comprehend.

I like this. I took out a student loan to build a future for my children, and I am not going to waste my time on social media.

I was fortunate in my youth to receive National Direct Student Loans (3%) to go to college, but my low income ghetto background was severely biased against going into debt (so much so, that I was picking 1 school over another, based on a difference of a couple of thousand dollars over the course of the degree program --> Rensselaer vs. Cornell). Oddly enough, after graduating, with the high interest rates (19%+) prevailing, it was more economical to pay the minimum on the loan (the only thing I paid the minimum on; credit cards came later, and were paid in full on the due date), instead of paying off the total loan in the first six weeks of my employment. Now retired.

Taking a part time or summer job that is related to the job you eventually want to do is a VERY good idea. Not all part time jobs are equally bad.

Excellent video about the right way to approach the opportunity of going to college.

This video maybe saved my life... I am so struggle in college and I can't figured out my goals so i am procrastinating a lot and get stressed every day more, I'll try to do more sacrifices and the first is stop playing games, it means i will stop talk with my friends for focus on my goals and let's do it. Thank you teacher, God bless you forever. And sorry for my English, it's ain't my first language.

Oh, where you was when I was 20 ((( You are an amazing teacher. Thank you

Thank you for this Professor Kaplan. Would you consider making one for kids on how to get into college. And maybe an entire video dedicated to why it’s not worth the extra cost to go to Notre Dame over Indiana University. Stanford vs University of Michigan etc. Really love your stuff. It’s helped me with my kids and in my professional life a ton!!!

Excellent video! I'm studying in Australia where we have a slightly more forgiving student loan scheme but this was still relevant and inspiring. I wish all students where taught about debt (of all kinds). Thanks!

Gracias por tus vídeos!

Thanks for the pep talk.

So informative video

hey, great job man. do you have a video on how to write a research proposal, say, for a phd in philosophy? (I guess it would be great if you did it!) thank you very much.

Thanks so much Prof for your free valuable information. My question is does fixed mortgage interest rates still exists? I thought banks only give variable mortgage interest rates.

good peptalk.

Hi Jeff, what make of markers do you use? they look great!

Thank you.

Wow I never knew this about student loans.

Maybe you’ll do a video about Byung-Chul Han?

I regret not have founded what I expected in this video. Okay, in US it might be more difficult than in Europe, where I don't have to pay for higher education. But even there - I can't imagine, that all students study only to get later more money. Especially nowadays (as well as for more clever people) money often doesn't play the biggest role when deciding, what to do with your life. As we have big progress in AI, we can expect higher productivity of society and basic income coming in the next years, so money will play even smaller role. And what about realizing your potential, having sense in life making your work, making the world better in the best way one is able to with higher education? I'm used to live with a small budget to not become too dependent from thriving my life time away with work that I hate, so latter aspects would be much more important for me.

Great video, but please balance your audio in the future! I can hear the audio fluctuating between my left and right ear when you're talking; it's really distracting.

Even better than knowing how to use student loans is not needing one :-)

The more you need loans the worst position you are in to take them

It's easy to understand and this is a very useful video on education loans , so watch now

i like this guy

Great video with a lot of great info. Correct me if I’m wrong but I didn’t hear anything said about actually choosing a degree or career path that is lucrative. You could “not mess around” as hard as possibly could for 4 years. But if you are getting a degree in something that doesn’t have a good salary outlook you are just as foolish as someone who went to college for engineering and flunked all their classes. For a college loan to be a “good bet” you should be able to predict that you actually will make more than if you hadn’t had the degree. Also, the idea that society chooses who goes to college is true in a sense; but really it’s the college admission departments that are not publicly elected. Even the public colleges are driven by ulterior motives (state and federal funding) to admit people who have not proven that they are academically competent enough to be part of the “chosen few”

States have the capability to CREATE money - in our age, digital money. The commercialisation of Education, like Health, is as ridiculous as it is immoral. It is also contrary to national interests

if well of a loan what is it regain composure in bad economies financially selfish times?

wish i saw this 2 years ago...

Maybe go over why student loans are non-dischargeable. They used to be prior to like 1994. Also, the question of how or even if a higher education leads to more earnings over a life isn’t so simple. It’s not like society just creates a special “middle class” job for you when you obtain a degree. For example, one of the two political parties in the US seems to think education is the answer to the problem of wealth and income disparity. But if everyone went to college, there wouldn’t be any additional jobs created, it’s just that blue collar jobs would start requiring some more education (because they could, so why not require it), and white collar work would then pay less (because the supply of qualified employees would be much higher).

Oh, how lucky I am that you exist.

❤❤❤

The proverbial bourgeois advice: Go to school full time, while living in your parents' multimillion-dollar house and eating off their pantry and driving the car that they bought you.

The value of the house stays the same, the value of the money goes down.

A home costing $200,000 ? Ummmm are you aware it's not 2002 ??

you gotta get sponsored by that phone lockbox company… you sold me on it

There's no evidence that the degree is what earns more money, though. It could easily be that all or most of the causation is from other qualities that BOTH cause one to get a degree AND make more money. People who own ferraris earn more money than people who don't. But nobody has trouble seeing why it's stupid to conclude from that observed correlation to state that people should buy ferraris to earn more money. Yet it is EXACTLY the same amount of evidence (mere correlation) that exists for college degrees, and people parrot the conventional "wisdom" that one should buy a college degree to earn more money. We don't know that buying a college degree DOESN'T make you earn more money, just as we don't know that buying a Ferrari DOESN'T make you earn more money. But you don't go (rationally) assuming causality until there's evidence to reject the null hypothesis, that there's no causality.

Great video. People are not told how to think strategically about their education. They are told it's just a bunch of steps they need to check off and then they live happily ever after. Mass delusion is the result. Also, that phone lock box is amazing. Seriously, let's not let a bunch of tech bros extract our attention away from what matters to us just so they can make more easy money. No!

the fact that this vid only has 38k views but 100k likes on twitter about soys bitching about student loan forgiveness speaks volumes

are you writing them all in mirror place

So let me see if I understood this video he's saying I can't file bankruptcy on my $75,000 in student loans? I don't get it. I have a hearing next month so I guess we will see..

Someone with a Masters in Journalism and or a PhD in Sociology makes less money than an Uber Driver -- without the $240,000 in Student Loan Debt. Academic Counselors lied to them throughout the 12 years in college that they would be making $150,000 / Year upon graduation.

More philosophy videos soon...?

Yeah that's right I said I am going to pay for school I don't care if I work for the got dawn school I don't care if they tell me it's for free you ain't paying for me that's exactly how there going to pay for me that's guarantee that's a fact usually when I say something like that it comes true but I didn't say when there going to owe me not the other way around either

This video is over!

There is something I need to say to something I need to get off of my chest I ain't paying them there going to pay me and I am going to pay my way through school too

Nobody buying a $200,000 house has $40,000 saved 😂😂😂 loved the video tho!

lol, what a farce that good grades in college = high paying job

College in 2023 is about 70% scam, 30% legit.

🙏🏌️💨🔥