[babelfish669]

The WSJ reported this week that student loan borrowing dropped for a third year in a row. While this drop was largely credited toward shrinking enrollments at for-profit schools, there is good reason to believe this is impacting all American schools.

http://online.wsj.com/articles/u-s-colle...1415854742

For all the good they do, the current higher education system also is damaging. Requirements for core classes provide a platform for unwanted indoctrination. The pyramid scheme of credentials allow experts in unproven ideas to live comfortable upper class lives and retire in to wealth while those who fail to make the ascent finance it with decades of debt and taxpayer money.

Can the feminist lynchmob of pageview journalists still stand without such a luxurious psuedo-intellectual support base? When the tide goes out will they just be left looking like amateur tabloid hacks desperate for display ad dollars? Will the education platforms which emerge at the end of the higher education bubble continue to support the ivory tower propaganda libraries of gender studies?

For-profit schools have been lambasted as being too expensive. Agreed. What is less acknowledged is that non-profit schools are also extremely expensive.

The current for-profit game has been to arbitrage the exorbitant price differential between non-profit tuition and the true cost of learning. As the for-profits fail, the best institutions have placed their courses online totally for free as massive open online courses. B, C, and D schools will be in for quite a shock when it turns out that their competition's price is zero. The well-endowed Stanfords, Harvards, and so on may be in for a hick up but will largely survive.

Alternative business models & donation driven platforms have already established themselves successfully. Khan Academy and Duolingo are good examples of impactful digital teaching methods. We may also see growing strength in very targeted trade & technical schools which require in classroom learning. Rather than costing tens of thousands of dollars, these will cost thousands of dollars and get right to the point -- there simply won't be money for excess.

When education is handed out on a piecemeal basis, when learning must take place over a lifetime to gain new skills, and when the scheme of getting a degree in order to be paid to teach others that degree, will there be any tolerance in paying money for learning theories with no practicality?

There is evidence that the normal schools are in trouble too. Facing dropping enrollments, some colleges are offering deep pricing discounts.

http://www.nytimes.com/2013/12/26/educat...price.html
http://www.nytimes.com/2013/10/25/educat...-says.html
http://www.nytimes.com/2013/01/31/educat...e-cut.html

To support revenues, schools have been aggressively courting Chinese students whose newly wealthy parents foot the full price. What will happen as the Chinese economy transitions from running out of steam to a full blown crises over the next 24 months?

http://www.washingtonpost.com/blogs/camp..._blog.html
http://www.nytimes.com/2014/05/05/world/...cline.html

Everyone was created & deserves equal treatment under the law. Modern feminism teaches that this is not true, and in fact some members of society deserve special rights over others because of what dead people did. Rather than being some sort of gateway to a more advanced society, instead we have been presented with an alternative method of temporarily doubling GDP by mobilizing the other half of the population (females) in to the workforce. Rather than liberation, we have an atheist answer to the oppressive censorship of religious extremism. Healthy, fit bodies are mocked as no better than those which are filled with heavily processed factory junk food, idling in offices all day. Perhaps, one day far in the future we will look back, viewing this as a divisive excess of capitalism, rather than any sort of liberal advancement.

The worst joke of all is that rather than graduating females in to areas of expertise which an advancing technical economy needs, women have been scammed in to borrowing money to support overpriced and non-economically viable degrees. As John Carmack said when being trolled by a feminist recently, those with the technical expertise needed simply don't exist -- regardless of gender -- a damning indictment not of tech companies but rather of the feminist con-women who have turned on their own.

Since the feminists and religious conservatives ganged up on Hugh Hefner generations ago, feminists emerged not as proponents of freedom but as enemies of sexual activity and expression (for the most extreme viewpoints of all, all sex between genders is rape.) With Playboy a non-event, the war on internet pornography lost when the Supreme Court threw out COPA & the Communications Decency Act, sights were set on college campuses. 18 year old students are eager to leave home, party, and get laid out from under their parents noses. Perhaps this bought an extra decade of $100 and then $300 textbooks. As schools have recently escalated draconian rules that all but bar sexual contact among students, universities are moving from the category of hedonistic destinations to the likes of Tehran and ISIS occupied swaths of the Middle East. In order to become celibate you no longer have to go to seminary and become a Catholic Priest, you can go to UCLA.

Modern feminism is not going to die. Its going to get both uglier and more violent, but also poorer and more pathetic. The dynamics of social flash mobs and the economics behind modern news remain a wildcard. But, I'm wagering a feminist elite can not prosper off of CPM revenue alone.

[Tactician]

I don't wish to hijack your thread! Just wanted to link to a very excellent and related thread here which focuses more on the students making up the base of the pyramid you discuss:
Will Student Loan Debt Become a Feminist Issue?

The (very rough) summary of that thread is that since:

1. A lot more women go to higher education institutions than men now
2. A lot more of these women have worthless degrees
3. A lot more women are unable to repay their debt
4. Women are unequally 'oppressed' by student loan debt.

And so, 5. Men need to bail them out (while not explicitly stated that men need to bail women out, since men are taking on less student debt, it follows).

In any case, expect untold levels of screeching and insanity as feminists try to stay relevant.

Edit: I guess what I'm trying to say is that, you suggest modern feminism won't die, and you're probably right in that a lot of its aspects are very entrenched. However, more and more people are getting fed up with it and, if point 5. occurs, that would likely be the tipping point leading to a large source of blow-back.

[philosophical_recovery]

My question is: How do I make money off of this?

[Soberane]

(11-14-2014 06:29 PM)babelfish669 Wrote:  

I can read very well the body language in that short video, her tone of voice is like a toddler,she does not fully close her mouth when speaking, her head is tilted while she rise her shoulder for a short period of time and she has her hands in her back pockets, after she finish speaking you can see her taking a deep breath expecting and exited for the answer.

This is the typical behavior of a of a child or preteen begging to be let play outside or begging for money to buy ice cream when the truck is in the corner.(even her hair style is typical of a preteen)

Redpill vision activated, What I see is a woman with a very submissive and infantile body language asking the patriarch overlord permission to play with the boys

[puckerman]

Destroying the colleges will destroy feminism. It will also destroy socialism.

I said over 20 years ago that we'll never destroy socialism without destroying the colleges. I stand by that today.

[VincentVinturi]

Colleges and universities aren't going anywhere for a while.

They sell a dream to suckers, and there are far more suckers and people who just don't know any better, than there are people with brains and a nuanced understanding of the disconnect between college and real-world success.

What does a university ostensibly promise?

1. A bright future for its graduates (that, alone, is worth the price of admission to most).

2. The reassurance to parents that they have done right by their children by investing in their future vis a vis a 'higher' education. And the ego gratification and respectability that they are "good parents".

3. To the kids - 4 (more) years of bullshit classes and unbridled debauchery on their parents' dime, but this time out of their parents' reach.

4. To the kids - a 4 year deferment of having to learn anything objectively valuable in the marketplace.

5. To the kids - the luxury to indulge in philosophies that teach victimhood, irresponsibility and childishness of every kind, that are extremely appealing to kids who haven't been confronted with the real world yet, and are dreading the day.

These universities aren't ushering in waves of mature adults ready to take on the world and do something useful and profitable. They're producing glib children, crippled by their own self-victimization and destined for mediocrity.

In order to uproot the toxic university system, a clear and attractive alternative to going to college will have to emerge.

A lot of kids are now getting into online business at a young age, but they're still a teeny tiny minority.

I went to University for 5 years and studied classical music, which actually taught me how to really work my ass off because few professions are as demanding and masochistic as professional classical musicians (jazz guys too, they practice their asses off).

And I left school debt-free because I had a full ride academic scholarship, which is great.

BUT, had I spent those 5 years starting an online business, I guaran-damn-tee you that I'd be a millionaire today.

But I didn't even know that kind of thing existed or was an option. Even if I knew, I doubt I would have thought it had anything to do with me.

The point is this: colleges and universities represent a carved out path that you don't have to think about. You just do it. You take on the debt, you study the bullshit, you get the degree and wear the gown, and then more than 50% of the time, you have to start your career from scratch because most people wind up in fields unrelated to their degree.

It's a great racket to be in.

[Bad Hussar]

Probably all you need to do is make student debt dischargeable in bankruptcy. Since a large percent of students with student debt are effectively bankrupt, without much hope for a reversal offortune for 10+ years the banks, and governments, would have to write this off, and either stop providing further loans or accept that they would continue to lose money. Obviously a commercial bank isn't going to do this. The government would have to take it all over. This would at least make the situation more obvious.

Personally I wouldn't care if supposedly "undeserving" slackers/students got their debt written off in this fashion. Strangely society seems to think most of the burden of deciding whether a loan can be repaid should fall on the person borrowing the money. Really? So a 18 year old going into university is supposed to have a better idea than all the MBA's and financial boffins working at the bank? This is just ridiculous. The average consumer is obviously not 1/10th as sophisticated and knowledgeable as a banks staff.

In my opinion the law should largely protect consumers from banks, governments and other loan-sharks. For secured loans the banks recourse should be limited to repossessing the item the loan was secured against. This would mean higher deposits and loans not being made for certain items with low resale value. Obviously provision would have to be made for additional amounts where the item has been intentionally damaged or the person offers excessive resistance when the item is being recovered. For unsecured loans creditors should only get to access a certain percent of someones after tax income. If a bank is stupid enough to loan money to someone, like a student studying something non-marketable, they should get burned. It really is that simple.

[Ingocnito]

If this shit keeps up, we'll be waiting longer for the collapse than we'd hoped.

http://insider.foxnews.com/2014/11/15/ne...y-and-wins

[Constitution45]

In general when prosperity begins to sink and I mean truly not like the 2008 recession. Subsidy programs such as feminism and affirmative action will simply not be able to operate. They tried this in Soviet Russia since the revolution up until 1935, but it had too much of a financial and social cost that they couldn't afford. Illegitimate children, low morale, social dysfunction.

[Grit]

(11-15-2014 01:35 AM)Soberane Wrote:  

(11-14-2014 06:29 PM)babelfish669 Wrote:  

I can read very well the body language in that short video, her tone of voice is like a toddler,she does not fully close her mouth when speaking, her head is tilted while she rise her shoulder for a short period of time and she has her hands in her back pockets, after she finish speaking you can see her taking a deep breath expecting and exited for the answer.

This is the typical behavior of a of a child or preteen begging to be let play outside or begging for money to buy ice cream when the truck is in the corner.(even her hair style is typical of a preteen)

Redpill vision activated, What I see is a woman with a very submissive and infantile body language asking the patriarch overlord permission to play with the boys

The girl who asked the question clearly isn't smart enough to work in VR, else she would have been embraced by those guys if she had applied to the job.

As a startup, they probably can afford to pay one or two more guys who will work long and hard in complex and mind boggling code.

When the woman trys to appeal to a higher authority ideal of eqality, its pretty obvious the choices:

Deflect
Admit the truth, that women are simply not smart enough, face the wrath
Accept the feminist ideal, embrace female employees who have already demonstrated a substandard skill level, and therefore bankrupt/dilute the intelligence pool
Accet the feminist ideal, and corrupt yourself/ your product by accepting third party subsidy in order to act with a facade of feminist ideals.

[Jack198]

(11-15-2014 01:35 AM)Soberane Wrote:  

(11-14-2014 06:29 PM)babelfish669 Wrote:  

I can read very well the body language in that short video, her tone of voice is like a toddler,she does not fully close her mouth when speaking, her head is tilted while she rise her shoulder for a short period of time and she has her hands in her back pockets, after she finish speaking you can see her taking a deep breath expecting and exited for the answer.

This is the typical behavior of a of a child or preteen begging to be let play outside or begging for money to buy ice cream when the truck is in the corner.(even her hair style is typical of a preteen)

Redpill vision activated, What I see is a woman with a very submissive and infantile body language asking the patriarch overlord permission to play with the boys

Check out the body language and eager applause from the beta orbiter standing behind her. Bet he felt stupid after the guy shut her down with the obvious truth.

[The Beast1]

(11-17-2014 12:20 PM)Bad Hussar Wrote:  

Probably all you need to do is make student debt dischargeable in bankruptcy. Since a large percent of students with student debt are effectively bankrupt, without much hope for a reversal offortune for 10+ years the banks, and governments, would have to write this off, and either stop providing further loans or accept that they would continue to lose money. Obviously a commercial bank isn't going to do this. The government would have to take it all over. This would at least make the situation more obvious.

Personally I wouldn't care if supposedly "undeserving" slackers/students got their debt written off in this fashion. Strangely society seems to think most of the burden of deciding whether a loan can be repaid should fall on the person borrowing the money. Really? So a 18 year old going into university is supposed to have a better idea than all the MBA's and financial boffins working at the bank? This is just ridiculous. The average consumer is obviously not 1/10th as sophisticated and knowledgeable as a banks staff.

In my opinion the law should largely protect consumers from banks, governments and other loan-sharks. For secured loans the banks recourse should be limited to repossessing the item the loan was secured against. This would mean higher deposits and loans not being made for certain items with low resale value. Obviously provision would have to be made for additional amounts where the item has been intentionally damaged or the person offers excessive resistance when the item is being recovered. For unsecured loans creditors should only get to access a certain percent of someones after tax income. If a bank is stupid enough to loan money to someone, like a student studying something non-marketable, they should get burned. It really is that simple.

The problem is, the reason the interest rates are so low is because the government guarantees that the loans will get paid back. Without that guarantee the interest rate would be absurdly high for an 18 year without some sort of co-signer.

Frankly, I would love to see some comeuppance for people and their useless degrees.

The federal government has no bullets left for a "bail out" of student loans short of printing more money. It will be a glorious fall and something I look forward to. The disillusionment of the millennials will be entertaining to watch especially if people are stuck part way through higher education with unfinished degrees.

The student loan bubble will be what brings down the federal government.

[Jack198]

Frankly, I would loved to seen sky-high interest rates before I went to college. May have talked some sense into me - or at least my parents - versus the 'education at all costs' suburbia asshat mentality with which so many of us were brainwashed.

[kosko]

The Govt has purposely now linked the private sector to University and the funding the receive from fronted loans and Govt and coproate money. Now corporations make it almost needed that you have a undergrad to make French fries and serve coffee, the same tactic that was used to give Social Insurance entrenched valadity by forcing employers to use that number as a identifier and closing you out of the job market if you did not take part in the ponzi scheme called Social Security. Same Same bjng is happening with college which wall promise its downfall but on the flipside will make it incredibly hard to fail. Now the corps are making money off the bank end of these loans (where do you think the govy gets the
money to front the loans?) And with these loans backed and more secure then many other debt instruments the corporate class has become even more dependent in making sure Americans are duped into wasting money studying yarn making at NYU.

It will crack on a case by case situation as creditors won't be getting thier money back. The Govt can go waste 200k to find and purge your assets abroad to recover 30k in student debt, eventually somebody will take that haircut and witchunts over student debt will eventually have to cease or calm down.

The power of college is only granted by the government just as feminism, and other collectivist policies and doctrines. Only when the Govt runs out of steam and the corporate class is unwilling to pick up the slack will colleges reform them selves or disappear into irrelevance.

[godfather dust]

i went to college for a year. one of the classes i took was sociology. i shit you not, on the tests the correct answer to multiple choice questions was ALWAYS the most PC and the essays i put some PC bullshit to get a good grade, aced every test with very little studying.

shit like that made me quit school, it's too expensive to receive less education than one can get from quality books.