Cost of an Education

Story of TheFanNJ: Omar Dyer

In ten years spending time in a setting built to advance yourself, place an achievement standards plus status on your resume. While working hard in an effortless environment--plus providing a symbol of the oppressed, where it leads to trickery. I have excluded my thoughts to include a rounded theory -- a college education is a money making business. And the level of competition is ranged on not the factual knowledge gained by the vision on how prestige the university you have risen from. But by how creditable of the training institution your degrees were signed by.

During my ride in longevity has seen me in educational rifts or drifts on what was accumulated in cost over time. I spent one year at the University of Oregon and accumulated $13,900 in student loans. While transferring to the Institution of Children’s Literature—which is an online home training school for teenage drama and movie making. That cost me $1,500 for a degree. The Course was a two year course, or 10 weeks at your pace.

Once I realized that the talents provided by the literary skills – plus my dented mind rolled and maintained vigorously to achieve; forced me to move up the latter of chain, and entering the University of Kaplan.

Studying at the University of Kaplan has been an uplifting experience. And making the rounds on the accumulation of debt has bound and bordered me to understand the theory of—what it means to truly educate your mind. And no matter what the rivals of alternative education can place on the burdens of those who achieve; as in tune to what the manor on education—in which it can be perceived, can actually state as a real educational experience.

Your educational experience is naturally based on you and how you view the levels of input, data and information that you would need to suck out of your professors. That deal is done on the amount of time and knowledge or interpretation you as a student place into the ventures, you are or would be willing to train your frontal lobe; which holds intellectual information. Therefore in theory, you are educating yourself; no matter what valued—prestige University or higher levels of education such a person as entered into a contractual agreement with the university. In my valid and dense opinion on the nature in which involve; what or whom has drifted into a world of challenging the frontal lobe – whether that challenge came in the traditional method or setting; it is within my best intellectual interest on stating – we as a society should and would need to respect the roles, trails and errors of students that train their thought process. And gain an education, which accumulated a service of debt. I mean I am now in the bounty of $180,000 in loans that gave me an accumulation of a Doctor in Philosophy. And I am not mad at the universities that I been in contractual agreements with – I am more disheartened and saddened by the roles of society; in which they are not respecting the values we in still in our children as they are young. If you have a degree from anywhere on earth, be proud – hold that degree in the air, and say: I have a brain.

War on Education

State in an Emergency: College Graduation: Jobs


The economic structure of our country is facing turmoil once again – has long term unemployment, and high ratings of people on social services; we are finding ourselves in a double dip recession is in the mist. Where we have a problem with creating innovation and jobs – people spent a larger part of their lives accumulating debt, as a future investment—just to find that investment broken by an economy that is decaying because of job growth.

We are finding out that more and more people are finding it harder and harder to pay off their bills. As we have seen the housing bubble progress to an unmonitored amount, on where the bubble crisis on home mortgages plumbed the financial mess of 2007! Where the warning signs have been spoken about – where it was ignored by central government, and leaders in congress.

Congressional Leaders would need to understand that the biggest crisis in America – which is on the verge of busting its bubble – is the educational loan system. So students, who have achieved educations – now find themselves graduating to system, where the titles they have studied no longer exist. Making what they have learned null and void – so the question is, if you’re training for a job that no longer exists, what happens to your credentials. What happens to the level of learning experience – where would you or should you go? The problem with how students have racked up so much debt, that they now are carrying educational mortgages which have no collateral mean—but potential liability as acquired debt.

Where getting a college education is no-longer an investment – in the financial world, you’re loans from either a private institution or a public institution on financial matters; so that you’re busy and active loans become a risk, instead of a benefit. It’s a risk especially if you have worked in low income jobs—just to put yourself through college, in order to get that high paying job. Since the income levels don’t match up to the levels of loans taken out. You now become a potential risk, to let’s say you want to enter into an engagement on a business loan. When you have over $50,000 in debt, and not have collateral to back up the debt – you chances of starting a business goes out the window. You chances of getting that high paying job are out the window. So now the bubble in housing has shifted to education loans. And we are not acting fast enough to prevent an educational collapse. We had done enough to prevent future generation from getting in the bubble. Yet, we have done nothing to protect and prevent those that have already expanded the threshold.

And the numbers of students are in endangered waters with unsubsidized loans, or commercial loans – where they were packaged with home loans, or dividends, haven’t really been broken up. What happened was the banks, where able to break them up on their end – but left the consumer at a disadvantage because the packages weren’t really broken up. Big banks like Goldman Sachs, shifted the goals – to expansion instead of advancement. Meaning that they used marginal scales to prioritize people whom have asset based and what is based on asset. So those that had college loans, and huge mortgages had problems refinancing their credit. Where the short-term credit rating was not good, and the long term credit rating was great. Well that keeps 70% of the country at a fair credit rating—as where more than 12 million students, are not at the level of fair and good credit because of commercial loans, or private institutional loans—where the API is at 10%; as it is 1% above the home line of credit.What these students need – isn’t a handout or a life line of credit. They need monitoring programs or credits like how we financed homes. Since the new home is a college education. We need to make the assets of those who invested in a college education; a collateral asset that the banks respect – an asset that the credit agencies can monitor as good, and change the scale of what is fair, good and bad.

Osama Bin Ladden Dead

There are a lot of pictures going on through twitter and facebook, plus google on the death of Osama Bin Ladden. Here is the picture that being released through the internet, and you make the choice on whether you believe he is dead. Yet, my eyes can confirm this picture is real.