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BuckGup

Paying For College

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Posted · Original PosterOP

I was just doing some calculations for college and life stuff and how do people do this. If I went to school I would pay $60,000 and say I start at $55,000/year it would take 13 years to pay it off at $400. Then add in rent, food, gas, taxes, other expenses you are only making $18,000 a year. Put half in retirement and some in for investments how do people live? I mean I take buying a $500 for granted now. If you need 1mil to retire it would take 55.5 years saving all $18,000. This is all assuming you don't get a pay raise and $55,000 is a little low for a computer science degree with specialization in cyber security and AI but it was just the low end to see. How do people manage stuff like accidents or buying exspensive cars and PCs?


ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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Posted · Original PosterOP
2 minutes ago, Jtalk4456 said:

sadly alot of them dont

 

Like evasion or debt?


ƆԀ S₱▓Ɇ▓cs: i7 6ʇɥפᴉƎ00K (4.4ghz), Asus DeLuxe X99A II, GT҉X҉1҉0҉8҉0 Zotac Amp ExTrꍟꎭe),Si6F4Gb D???????r PlatinUm, EVGA G2 Sǝʌǝᘉ5ᙣᙍᖇᓎᙎᗅᖶt, Phanteks Enthoo Primo, 3TB WD Black, 500gb 850 Evo, H100iGeeTeeX, Windows 10, K70 R̸̢̡̭͍͕̱̭̟̩̀̀̃́̃͒̈́̈́͑̑́̆͘͜ͅG̶̦̬͊́B̸͈̝̖͗̈́, G502, HyperX Cloud 2s, Asus MX34. פN∩SW∀S 960 EVO

Just keeping this here as a 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0) apply to every scholarship you can think of.

1) work during school as much as you can handle. Take internships, co-op opportunities, anything. You aren't above flipping burgers, but if you can find something in your field, that's essential.

2) in-state schools only for undergrad.

3) take general classes at a CC for a year or two, but only if you have guaranteed transfer

4) live exceedingly thriftily.

5) your life needs to be work-school-study. Cut out anything that aren't those things (gaming is what I personally cut)

 

you'll still likely need loans, but that will reduce your burden substantially.

 

Post-college, your numbers need to include 7% interest on the loan payments, but otherwise, yea. Life is expensive, and it's very unlikely that you'll be able to save half your income, ever, towards retirement. That's not to say you don't need to, but 50% is a very high ratio. 10-20% is more normal.

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Drug cartels, dropping out, or they realize how much of a scam college is and start their own. 


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5 hours ago, BuckGup said:

I was just doing some calculations for college and life stuff and how do people do this. If I went to school I would pay $60,000 and say I start at $55,000/year it would take 13 years to pay it off at $400. Then add in rent, food, gas, taxes, other expenses you are only making $18,000 a year. Put half in retirement and some in for investments how do people live? I mean I take buying a $500 for granted now. If you need 1mil to retire it would take 55.5 years saving all $18,000. This is all assuming you don't get a pay raise and $55,000 is a little low for a computer science degree with specialization in cyber security and AI but it was just the low end to see. How do people manage stuff like accidents or buying exspensive cars and PCs?

If you make $55K out of college, you bring in half so $27,500, $2300/m. Then you need to pay $800/m which is $10K/yr and take 6 yrs to pay off. That leaves you with $1500/m to live on. Some take to living with parents, others live in trailers where no rent/mortgage is due so all your spending money on is food and transportation. In which case you can spend more like $1000/m or even $1200/m towards the student loan debt. So $12K or $15K/yr, which would take 4 yrs to pay off.

 

You are saying 55K is on the low side so you can expect to make what? 70K, so your bringing in $35K/yr or $3k/m which then means you can afford to pay off $1500/m or 18K say 20K, so 3 yrs to pay it off.

 

Then say 70K, plus a 5% raise every year, adds an extra $3500 which you can put towards the debt.

 

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I didn't go to college and make $25k a year. I just got some certifications and volunteered in my field while I still lived with Mom. Trade school is cheaper than college and some places will substitute a degree for experience. I'm not living the rich mans life, but I have little to no stress, no difficulty paying bills, and I didn't waste thousands of dollars on classes that had nothing to do with my field. I've met plenty of people that have a 4 year degree and they can't grasp how to do their job properly or do basic problem solving.

 

**I realize that this may be because I basically live in the ghetto where everything is cheap, you might not be able to do what I did in a place like California/New York for example.

 

College is just like owning a house. You don't buy expensive cars you can't afford, you buy 'clunkers' and use them until they break. You don't buy an expensive PC, you build one and only buy what you need, not what you want and it suddenly isn't as expensive. You don't go out to eat, you stay at home an cook, you pack your lunch. Paying to go out to eat once can usually feed you during lunch and breakfast for a week or more if you bought groceries. Movies, video games, electronics are a big no. You can always see a movie in the future when you aren't drowning in debt, you can buy a video game later and it will be cheaper, and everything in electronics will always be better in the future so why waste the money now when you don't have it?


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9 hours ago, Canada EH said:

If you make $55K out of college, you bring in half so $27,500, $2300/m. Then you need to pay $800/m which is $10K/yr and take 6 yrs to pay off. That leaves you with $1500/m to live on. Some take to living with parents, others live in trailers where no rent/mortgage is due so all your spending money on is food and transportation. In which case you can spend more like $1000/m or even $1200/m towards the student loan debt. So $12K or $15K/yr, which would take 4 yrs to pay off.

 

You are saying 55K is on the low side so you can expect to make what? 70K, so your bringing in $35K/yr or $3k/m which then means you can afford to pay off $1500/m or 18K say 20K, so 3 yrs to pay it off.

 

Then say 70K, plus a 5% raise every year, adds an extra $3500 which you can put towards the debt.

 

 

While I agree with most of your numbers, the 5% yearly raise is highly optimistic, even in the best of times and in an in-demand field. I would not bank on that.

 

OP-- the basic idea here is take out as few loans for the lowest amount possible and pay them off as fast as possible, sacrificing in many areas to do so. You likely won't be saving much at all towards retirement while paying off the loans, and I'd argue it's wiser to pay them down first, but that's a choice you'll need to make.

 

On college vs trade school vs none, it highly depends on what you want to do for your career. Not attending the school for profession X (auto repair, computer science, engineering, law, economics, medicine, etc) will mean that career door is most likely closed to you. So, figure out what you want to do, and then decide what schooling is required to get you there, if any. There's no shame in figuring this out years down the road either; few people know what they really want to do at 18.

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15 hours ago, BuckGup said:

If I went to school I would pay $60,000 and say I start at $55,000/year it would take 13 years to pay it off at $400.

I find it adorable that you think that loan will be interest free.

 

$60 000 at an interest rate of 5% and monthly payment size of $400 would take 19.5 years to pay off.

 

In total you would pay $94,209.35, $34,209.35 of that being interest of course.

 

(I actually don't know what typical student loan interest is in the United States, but even I paid a bit over 5% in Canada so I would not be shocked if it's worse in the US)

 

^^^^^^^^^^^^^^^^^^^^^^
THIS IS WHY WE SHOULD TEACH HOW COMPOUND INTEREST WORKS IN ALL HIGH SCHOOLS

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9 hours ago, Canada EH said:

If you make $55K out of college, you bring in half so $27,500, $2300/m.

...I'd love to know where you're getting that 50% income tax and dedication level for that level of income from. o.O

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MY state offers those with 3.0 and enough AP courses a scholarship if you stay instate, and the government offers alot of programs to reduce debt and if you pay during college with a part time job it would bring it down a bit. 


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I'm going to a community college and my pell grant is paying for it.

 

Big scale colleges aren't worth the money. you're better off going to trade school or a community college and building a career off of that.


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Just now, Aeternalis said:

I'm going to a community college and my pell grant is paying for it.

 

Big scale colleges aren't worth the money. you're better off going to trade school or a community college and building a career off of that.

alot of people will go to community first 2 years then go the last 2 years at a bigger college it helps for getting certain degrees example is Georgia tech is the best engineering college in Georgia tech is expensive af if you don't got a scholarship so if you do first 2 years in community you could save alot of money.


 Amateur video and photo boy, learning guitar, current student.

 

For a reply please quote or  @Eduard the weeb me :D

 

I would say I have been a gamer all my life but I don't have one lol

 

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So, answering this thread more personally, three years of my education cost me about $30k in Ontario, Canada.  $13k of which was grants.  So I only had to pay $17k and I was allowed to take 9.5 years to pay this back and that was the default setting.

 

At about 5.4% interest (It floated but it was always a bit over 5.) that would have cost me $190.96/mo for 114 months, $21,769.09 total, or $4,769.09 in interest.

 

So I paid it aggressively.  Worked a lot of overtime?  Lump sum extra payments.  Nice tax return?  Lump sum extra payments.  A month with three paycheques?  Lump sum extra payments.  Got a raise?  Increase loan's regular payment rate.. By the end I had upped my regular payments to $700/mo.   In all, I paid off my loan in only 30 months or 2.5 years.  Cost? $18,211.47, so $1,211.47 in interest.

 

I'm now debt free and I paid some $3500 less in interest overall.

 

If you can pay more than minimum payments: Do it.

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12 minutes ago, AshleyAshes said:

...I'd love to know where you're getting that 50% income tax and dedication level for that level of income from. o.O

between state and fed taxes that's a good rough approximation. Likely on the high side but it makes for very easy math.

 

The real answer is to do a mock tax form for both fed and state.

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their dads are rich af and buy em all kind of components


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6 minutes ago, bimmerman said:

between state and fed taxes that's a good rough approximation. Likely on the high side but it makes for very easy math.

 

The real answer is to do a mock tax form for both fed and state.

They just have calculators online that'll do the math for you too.

 

This one works for Canada: https://www.paymentevolution.com/payrollcalculator

 

As an example, here in Ontario, Canada, $55k a year would yeild a monthly gross income of $4,583.33/mo, with $1,393.04 in deductions that leaves leaving $3,509.24 net.  (This is ALL deductions income tax, unemployment insurance, Canada pension plan, ALL OF IT).  That is 26.56% in total deductions.  A whoooooooooole lot less than 50%.  That makes 50% a pretty freakin' terrible 'rough approximation'.

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15 hours ago, BuckGup said:

I was just doing some calculations for college and life stuff and how do people do this. If I went to school I would pay $60,000 and say I start at $55,000/year it would take 13 years to pay it off at $400. Then add in rent, food, gas, taxes, other expenses you are only making $18,000 a year. Put half in retirement and some in for investments how do people live? I mean I take buying a $500 for granted now. If you need 1mil to retire it would take 55.5 years saving all $18,000. This is all assuming you don't get a pay raise and $55,000 is a little low for a computer science degree with specialization in cyber security and AI but it was just the low end to see. How do people manage stuff like accidents or buying exspensive cars and PCs?

It all seems overwhelming in the beginning. Trust me, you'll be fine. The degree will get your foot in the door, the cost of a house and your salary are largely based on the area, you'll jump around between companies and get promoted if you do well... it all works out (In IT these days, if you stick around, you don't tend to get promoted, but this also varies). Doing the math ahead of time without an understanding of exactly how it works is a sure fire way to have a cardiac event early in life.

 

Also don't expect to buy a new house before you're 30 unless you pair up with an equal earner and you have some help with the down payment. The world isn't how it was in the 60's.

 

@AshleyAshes Not all loans are created equally. The OP never mentioned how his loan was aqcuired.

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15 hours ago, bimmerman said:

7% interest on the loan payments

Holy moly, its only 1.5% interest here plus we pay £0/year for our first degree (regardless of whether its a 4-year bachelor or a 5-year master) so...rip you guys? :D 


Looking at my signature are we now? Well too bad there's nothing here...

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

What? As I said, there seriously is nothing here :) 

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1 minute ago, Tiberiusisgame said:

 

@AshleyAshes Not all loans are created equally. The OP never mentioned how his loan was aqcuired.

No but it's pretty uncommon for a student loan in the United States to be interest free.  Interest should be the assumption.  I'm just pointing out that the OP probably did quick division without realising how significant even 5% APR would cost.  And 5% APR is a GOOD student loan interest rate.

 

Doing a quick search it seems that typical government loans in the US run 4.45% to 7%

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31 minutes ago, AshleyAshes said:

...I'd love to know where you're getting that 50% income tax and dedication level for that level of income from. o.O

10% pay check to Social Security and progressive federal tax brackets alone would be $13,539.50 on $55,000 reported income with Trump's tax plan, but that does not include state and local taxes. Those will vary per state and municipality. Include a 5-10% sales tax for any purchased goods and roughly ~50% of original paycheck being taken is not that far fetched.


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2 minutes ago, AshleyAshes said:

No but it's pretty uncommon for a student loan in the United States to be interest free.  Interest should be the assumption.  I'm just pointing out that the OP probably did quick division without realising how significant even 5% APR would cost.  And 5% APR is a GOOD student loan interest rate.

 

Doing a quick search it seems that typical government loans in the US run 4.45% to 7%

For sure, and in the long run, over 20 years and with what will happen during that time, the difference is actually insubstantial. The point here is that the OP feels overwhelmed without necessary justification. 1st world problems; polishing brass on the titanic.

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1 hour ago, AshleyAshes said:

...I'd love to know where you're getting that 50% income tax and dedication level for that level of income from. o.O

Yeah lol 21+14% = 35% for that income bracket. Which means a gain of an extra $8k in your pocket, which could go right into the student loan meaning you get it paid of quicker, but like you said thats low end, your more likely to gain $10-$12k/yr in your pocket above the numbers I posted.

 

Student Loan Rate

  • the fixed interest rate is prime + 5%
  • the floating interest rate is prime + 2.5%

 

You just gotta pay it off fast with very little expenses. Live in a motorhome or with your family. Then all you need is food, cell phone, and cover a bit of your families utility bill. Say all in, $500 in expenses, then your entire monthly pay check can be dumped into the loan.

 

$65-$23=$42K-6K=$36K cash in pocket. Dump it all into the loan, then next year, dump only $20K giving you an extra $1300+$500=$1800 to move into a room rental of $500/m and $1300 to play with (movies, sports etc) then you've paid off $56K in 2 years! You could perhaps spread it out over 3 years, say $25K/yr into loan, leaving you with $17K to live on (rent, util, food, entertainment)

 

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17 hours ago, BuckGup said:

I was just doing some calculations for college and life stuff and how do people do this. If I went to school I would pay $60,000 and say I start at $55,000/year it would take 13 years to pay it off at $400. Then add in rent, food, gas, taxes, other expenses you are only making $18,000 a year. Put half in retirement and some in for investments how do people live? I mean I take buying a $500 for granted now. If you need 1mil to retire it would take 55.5 years saving all $18,000. This is all assuming you don't get a pay raise and $55,000 is a little low for a computer science degree with specialization in cyber security and AI but it was just the low end to see. How do people manage stuff like accidents or buying exspensive cars and PCs?

You assume people put away for retirement or invest their money. The short answer is, unless you're financially stable, you DON'T put away for that stuff in most cases because you can't afford to.

 

Also, you assume people manage their money well, a lot of people live on debt.


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