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  • Morning Bell: Washington Needs A Lesson on Student Loans

    You know a politician is looking for applause when he speaks in front of a crowd of college students and says he’s there to help them pay back their student loans. After all, who doesn’t like the prospect of free money? But as the saying (sort of) goes, beware of politicians bearing gifts. That’s especially true this week as President Barack Obama travels the country warning students that their student loan interest rates are set to double and that he has the answer to all their problems.

    Guess what? He doesn’t. But if there’s one thing the president has managed to accomplish, it’s in turning this issue into a political football. And now the House of Representatives is joining the game.

    This all began back in 2007 when Democrats pushed for a five-year student loan interest rate reduction to 3.4 percent as a temporary subsidy in order to help make the loans more affordable. Now that “temporary” subsidy is set to expire, meaning that rates will return to their original 6.8 percent levels. In the midst of all this, the House is expected to vote today on a measure that would keep interest rates where they are — costing taxpayers $5.9 billion for a one-year extension. And under the proposal, the extension would be paid for by taking funds from Obamacare’s Prevention and Public Health Fund. Obamacare, instead, should be repealed outright — not used as a “slush fund” to pay for other programs.

    But besides the measure being a flawed and costly way to pay for the lower interest rates, there’s an even bigger problem. The supposed benefits of keeping the interest rates at 3.4 percent are largely illusory, and the president is selling students a bag of magic beans. Economist Douglas Holtz-Eakin explains on National Review‘s “The Corner”:

    [The interest rate increase] sounds serious. After all, there are 39 million Americans with student loans owing over a trillion dollars of debt, and interest rates doubling from 3.4 percent to 6.8 percent would be a huge hit at a time when households are already struggling.

    Serious, except that the president’s plan would apply only to those 23 million loans being borrowed directly from the federal government. Except that not all of those would benefit; it would apply only to the 9.5 million loans being borrowed through the so-called subsidized Stafford loans. Except the lower rate would apply only to new borrowers who apply this year. Except that no payments are made until after graduation, so it would not help anyone for several years. Except that it would lower monthly payments by an average of only $7.

    In other words, for an incredibly high cost, students are realizing very little benefit. And don’t forget, these are loans that they’re voluntarily taking on as part of an investment to benefit themselves.

    None of this is to say that the federal government should spend even more to subsidize student loans in an effort to make college more affordable. It absolutely should not. Federally subsidized student loans are handed out to millions of college students regardless of risk — let alone whether they can handle college-level work. Thanks to taxpayer backing, the loans are offered at rates far below what private lenders would offer. When the students can’t afford to pay, the American people are stuck with the bill.

    On top of all this, government intervention in the higher education marketplace hasn’t even succeeded in bringing down college costs. In fact, the price of a degree has risen right along with government spending. Pell grants have increased 475 percent since 1980, and yet the cost of attending college has increased 439 percent since 1982. It’s a vicious cycle that will only get worse with more government subsidies.

    There’s a better way to drive down college costs. Heritage’s Stuart Butler writes that the higher education industry is on the verge of a “transformative re-alignment,” and notes:

    …most college leaders live in a bubble in which the costs of ever more elaborate facilities, expanding administrative bureaucracies, and high-profile professors with light teaching loads can simply be passed on to customers in the form of higher tuition.

    But those days are about to end. Underneath the surface, upstart institutions are perfecting radically new education technologies and business plans at the same time that young people and their parents are becoming more frustrated with the traditional higher-ed model, and more open-minded about alternatives. There is every reason to suspect that, quite soon, these new institutions will do to higher education what Sony did to radios and Apple did to computing. Afterward, our colleges and universities will never be the same. Few Americans, one suspects, will look back in regret.

    Sure, it might strike all the right populist tones to tell college students that you’re going to give them a hand out, but the caustic effects of the policy will only make higher education more costly over time. Instead of a short-term spending splurge that has little benefit, Washington should pursue a long-term strategy that gives students the help they really need.

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    Posted in Education [slideshow_deploy]

    68 Responses to Morning Bell: Washington Needs A Lesson on Student Loans

    1. RogCol says:

      Its interesting that college students don't realize that all they are doing is adding to the National Debt and they will have to pay it all back in future taxes. No one is explaining the implications of the subsidies and give aways that are being funded by the deficit of about 40% and will be repaid by them. More of the "I want mine now, regardless of the future cost" mentality.

      • Penny says:

        Why can't America have free college education and free health care like other countries who have it that are not supposed to be as advanced as we are? There is something wrong here. Our priorities are wrong–always money for wars isn't there? Which don't get us anywhere and looks like we are badasses and always invaded countries we have no business being there. FREE HEALTH CARE AND COLLEGE TUITION FOR EVERY AMERICAN is going the right way!!! Republican, rich, cooperations would lose some money if we did that, uh??

        • John G says:

          Nothing in life is free

        • Bobbie says:

          Why can't you provide for your own? Why don't you WANT to? Do you see the governments' of those countries? Do you know what they're teaching that benefits them or benefits personal freedom? What's free in college education and health care that those servicing you shouldn't be paid or work for free? Where do you think money comes from?

          Why do you want other people to sacrifice MORE of their livelihoods to pay to your benefit when the expectation of personal responsibility is for you to pay yourself for your benefit? When it is in your control you have the ability to hold what or who is, accountable? Doesn't work with accountabilities when government pays your way! Why do you want MORE government and their hidden agendas interfering with your education? Why do you trust government more than your own intelligence?

          Successful Corporations untied by government give an awful lot in education! No government force necessary! Do some research and open your mind's ability to take in the truth. More government control, MORE INEFFICIENCIES, MORE COMPLICATIONS, MORE CORRUPTION, MORE GOVERNMENT EXPENSE, less freedom! Why would you want to put more expense on the already responsible at all income levels instead of putting the responsibility where it belongs? Fight for lower tuition! Or don't go!

          There's no way these professors and administrations are sincerely working for students when they receive exorbitant pay and benefits but refuse to take cuts because it's not in their contract?! Putting contentions on the private sector of all income levels, who's uninvolved? That is just rudely selfish and crude! Is that how it runs in countries that get their education and health care free? Everybody's happy and nobody the wiser?

      • jerry says:

        we all no obama lies wake up before to late

    2. Whicket says:

      ALL the thieves in Government MUST be fired! WHY allow this? the american voter is a dumb animal, and like all dumb animals, are going extinct, consumed by predators.

    3. toledofan says:

      Great article and another clear example of why government tinkering makes things worse. As long as there is an endless stream of money into the higher education system, the quality of education will get worse, more bureaucrats, more waste and the lefts agenda will flourish leaving kids without the ability to walk and talk and chew gum at the same time.

    4. ThomNJ says:

      "And under the proposal, the extension would be paid for by taking funds from Obamacare's Prevention and Public Health Fund. Obamacare, instead, should be repealed outright — not used as a "slush fund" to pay for other programs."

      Somewhat off-topic, but that statement alone gives us a good indication of why our government is a runaway, out of control government. They simply cannnot follow the rules – rules that THEY establish. The politicians in DC simply cannot stick to straightforward rules and accounting. Borrowing from another program should not even be considered, let alone possible. Just another way that unfunded mandates get jammed down the taxpayers' throats and the Congress runs the country into the red.

    5. mojoron says:

      Obama has made another generation subserviant to the government. Everyone who had come from homes that were not rich, by any standards, can each tell their life's story about going to college and graduating with no bills to pay. Yes they may have not achieved the highest grade in their class, because time/effort is difficult to manage when you have to work and attend classes. But you have graduated with a degree and one thing that is more important, graduate with no educational debt. I believe the parents are more at fault by not leading their little money-holes to an education that is more affordable. Everyone thinks that if you graduate from a top 10 school that your future is set in stone. We all know that is a bunch of BS. Your life's work is not made by what school you attend but what effort you make after graduation.

      • Bill says:

        There is nothing wrong with college debt provided you are using this money to make yourself more valuable. Borrowing 20k to get an engineering degree is a good investment. Borrowing 20k to get an art history degree is almost always a bad investment. If you can do this debt free, that's grea, but most people can't make it in a real major while working enough hours to pay for it.

    6. Jim Uberti says:

      I'm becoming more and more angry with our so-called "neutral" media.
      Obama goes to colleges only in battleground states, on our dime, and in addition to hoodwinking college kids, he's in full campaign mode, attacking Republicans.
      WE'RE paying for AF 1 and all the other expenses of his trips. He has no right to campaign unless his committee is picking up the tab.
      If W did this, you'd hear it from the NYT et al.
      The media should remind these impressionable students that Obama was absent TWICE when this loan bill was originally passed while he was in the Senate.
      The Republicans will get no help from the media. They have to get their message out somehow or it will be '08 all over again.

      • John G says:

        W did, Clinton did, Bush before that, etc… Sadly enough, I'd rather have another 4 years of BO than a potential 8 years of Romney.

    7. James Penfold says:

      By new education technology does Mike, quoting Stuart Butler, mean higher education totally on-line by creative new means?

    8. Cecelia P. says:

      Once again, the emperor's new clothes. The motto seems to be "I say it and it makes it so." Look behind the curtain, America. We're not in Oz anymore.

    9. sue says:

      Wow- I am 71- maybe I should go back to school after all!! I put myself through college, My stepfather paid the first semester and I worked and got scholarships. I know that some parents, in the dark ages perhaps, worked extra jobs to help their children through college and so did their siblings. Isn't the government just a wonderful institution- they will do everything for us until we no longer have to lift a finger to do anything for ourselves- headed right in the wrong direction as usual.

      • sue says:

        I should have said that under Obama you must turn left to go right :>(

      • Bobbie says:

        Bless your heart, sue. You were taught real education without the high paying social interests of today being taught instead of freely lived.

    10. Dr. Henry Sinopoli says:

      Heritage is complicit in electing and maintaining life-long Republican and Democratic politicians. While you shout and complain about Obama, and he is a socialist, ruining America, you fail to mention the lifers like McCain, Boehner, etc. that have supported leadership that have eroded our Constitutional rights for years. Politicians do not need pensions, automatic pay raises, overwhelming staffs and a life-long job.

      Start joining the American people who want representatives who serve, attend to the country & go home and get a job.

      I know this will never see the light of day…but it's good to let you know why I believe Heritage is just as big a joke as the politicians you support.

      • Clearhead says:

        Physician, either heal thyself or seek help from one of your psychiatric colleagues. Is it in your estimation better to laugh at the "joke" of the "politicians you support", or whine, cry and grieve at the inevitable calamity of the alternative? Generally, your statements are correct; however, you MUST realize that even though it may be miniscule, there IS a difference between the two "parties". Semper Fi !

      • ChuckL says:

        Wow!, Someone who actually has it right. Thanks Dr. Sinopoli. Now how do we get everyone to understand?

      • Ben C. says:

        You are absolutely correct. I am not so sure Heritage is complicit but your bullet points are spot on.

      • Joseph McKennan says:

        John Boehner is near the bottom on the congressional scorecard. He is not fooling anyone. McCain has not been credible with me since before '08. I do not like politicians. I just dislike liberal politicians more because they don't just want more– they want everything.

      • Bill says:

        It's the dilemma of the right wing media. The msm almost exclusively attacks Republicans, so in order to provide balance the right wing media can only attack dems. So, they largely give hypocritical Republicans aa pass. Understand this, but I still don't like it.

    11. Jntte says:

      Great article. The problem is easy money's destruction has taken a huge toll on students, universities, families, etc. Bigger universities, more elaborate facilities, more staff, more, more more and yet students many times are simply regurgitating what the professors want to hear rather than actually learning and exchanging ideas to learn more. Relating to my sphere of influence, in barrel racing, pulling up with the biggest truck and fancy trailer and then pulling out a dink mount doesn't make the competitor the winner. Much better to have a clean truck, safe trailer and an outstanding horse to win the event!!

    12. Linda says:

      Will the lies ever stop?

    13. Cheryl says:

      As the single mother of a HS senior, we have discussed and she is fully aware that college is an investment in her future; but it's an investment with an extremely high price tag. We've discussed options, and she has chosen, (against my advice) to attend a 4 year university in the Fall. The debt upon Graduation will be high, and it will be HER debt, but at least it is also HER educated choice. It is not the Government or the taxpayers debt to carry.

      • Ryan says:

        There is nothing wrong with someone furthering their education and financing it through loans. A higher level education should be available to everyone in this country, if the government shouldn't give out their own loans then they need to regulate the rates on private loans along with making sure each student completely understands the burden they are placing on themselves. Just make sure she knows the costs that go with attending a four year university, and that her degree and job after graduation should outweigh those costs

    14. stephen says:

      You terribly mischaracterize what the President said to the students, All he said was that he wanted to stop the pending rise in interest rates, Period!

      • Clearhead says:

        He could have stated that on Facebook, but Facebook will not approximate the voter effect that a personal appearance produces. PERIOD.

        • sue says:

          One day I got curious and looked him up on Ancestry.com, a great genealogy research site. It is smeared with thousands of pictures of him and his so called parents. I was stunned, to say the least. Who on earth did that job?!! I have never seen any President, which so many questions about his background, and who gets away with ignoring the Constitution so many times, go on free to lie with a smile. Corruption, power and wealth seem to be behind what is going on- as usual.

      • Bobbie says:

        I'm interested to know where the interest goes and why he WON'T stop the rise? His party manipulated it three years ago, he can stop it and make it interest free today! His theatrics takes up plenty of time he could use to work in favor of educational costs but why when he can drag in so many others to blame to hide his faults. Everyone that works for the educational system at all levels can do with less of everything they get today from tax payers WHO AREN'T GETTING A DIME OF THEIR MONEY'S WORTH!
        IT'S FOR THE KIDS!!!

    15. Gary Sheldon says:

      Without reading the article the title alone evokes the response that follows. I see nothing in the constitution that ALLOWS gumMINT to be in the student loan business or the housing loan industry. Many may not like it but it is true.

    16. Gerd says:

      Hmm. I paid my own way through without loans because I didn't want to pay them back. I went to school based on where I could continue my summer job and live where I could afford the rent. I often had three and four part-time jobs as a full-time student. When I got my first career job as a university graduate, my income actually went down. My kids went the same way although I paid half of each U Bill. Their friends were borrowing the maximum and having much more fun. Fun that they will be paying for for twenty years.

    17. John C. Davidson says:

      Buying votes which will eventually lead all of us into the world F. A. Hayek warned us about. Has his books been banned in our institutes of higher learning?

    18. Bonnie Lesando says:

      This is another government scam, just like housing. People who do not need the money and have 529s or money already set aside and saved by them and their parents will apply to receive it because it is the cheapest loan going. Just like with the housing we are headed towards a student loan bubble.

    19. Daniel Hite says:

      Excellent points.

    20. Jay lower says:

      The president, on remarks at U of Colo, said paying interest keeps the payer from using those funds for other worthwhile purposes; yet fails to make the same connection with the US debt payments. He's either an idiot, self serving or both. Vote him out.

    21. Lloyd Scallan says:

      Has any college student ask their professor to reduce their salaries. Has any student ask their university's administration to reduce their cost. Yet they support Obama's plan to have tax payers pay for their educations. Doesn't this sound like any other of Obama's policies to win votes?

    22. Juan Martinez says:

      Heritage is spot on this time. The federal government badly needs to get out of the business of subsidizing private markets that it "likes". This type of subsidy has been one disaster and/or money flush after another. Consider: housing bubble fed by massive government subsidies, 'private' colleges like Apollo and Devry that rip off students with deceptive marketing and shoddy product while 90% of their revenue is government funded, massive corn overproduction that makes soda and drinks filled with high fructose corn syrup cheaper than bottled water, ridiculously overpriced weapons systems like the V-22 osprey $60 billion for 450 planes that aren't safe and don't work. Stop this crazy spending and let the market work to allocate products and services. This is nuts.

    23. Janice says:

      Many high school students enter universities because they have no where else to go, their parents want them out of the house for a while where they will be "supervised" and housed by taxpayers. They go there to party and meet other people, also. That's a fact. Before entering a university and racking up a debt, the student should weigh the odds of the possibility of actually getting a paying job with the degree they enter with. Many graduate, but cannot find a job because there is no need. Many options that are better are to get into a trade school where the likelihood of getting a paying job is better.

    24. DHarper says:

      If the extention applies only to new applicants, does that mean that rate will increase for current loan-holders in spite of the extention, or does it mean that the rate for current loan-holders is fixed for the life of the loan and will not increase regardless? Can someone give me an answer? Thanks.

      • Bill says:

        No, the rate would only apply to a small number of new loans. Of course, the president forgot to mention this. He should have written it on his hand. That's what I do to remember things.

    25. William Adams says:

      The pied piper is at it again—where is the truth squad wheh we need it.

    26. March 29, 2010 Feds took over Student Loan Program. Soon after the Demcrates passed the subsidizing of the interest rate with a 2 year window giving President Obama a platform and diversion in this election year. Washington politicians are ignoring the Student Loan Progam's almost 1 trillion dollar debt and bubble. Look for a bailout if Obama is reelected.

      • Bonnie Lesando says:

        Joe..You are so right. I wish everyone could see the game that Obama is playing on the American taxpayer. It's hard to believe that so many people are being hoodwinked by this thug.

        • Bobbie says:

          I think there's more thugs (obama's sheep herd) than people hoodwinked, if you know what I mean…
          No doubt there's too many of both!

    27. Debra Smith says:

      Democrats: The Party Without A Cause Needs To Make One — The democrats create problems and then ride in on white horses to save all the people from those problems. …Debra

    28. Blair Franconia, NH says:

      I attended Notre Dame College in Manchester, NH, which used to be a small Catholic college. I attended Notre
      Dame College on a scholarship. I didn't need to take out student loans.

    29. qualdude says:

      Since when is education (like so many other things) a right? Our present culture has taken countless "privileges", and has renamed them "rights." By the way, I have little empathy, as I somehow managed to juggle five different part time jobs, seven days a week, while attending undergraduate studies full time. Was it easy? Heck NO! But it appears that nothing can be accomplished today UNLESS it's easy. For example, entitlement reform…will it be easy? No! But it is necessary. This vast majority of this country needs a reality check.

      • Joseph McKennan says:

        I was the solitary night person in a family owned bakery and made two million doughnuts from scratch. It was 8-10 hours a night. I ended up with a BS degree

    30. Jeanne Stotler says:

      When I graduated HS in 1949 I went To Georgetow Univ. School of Nursing, the first year tuition was $700 for everything,xcept food, we bought our food cards monthly, ate in Hosp. cafeteria, second and third year was $500 each. We lived in Nurses residence had a laundry room to do our wash etc. My parents took out endowment policies when I was born so they and was bonds left by my grandfather paid for 3 year nursing program. I had to go back to school in 1978 after my husband died as I never was licensed, got maried and raised a family, courses in Jr. or Comm. colleges were $15.00 a credit hour, still affrdable as I worked at night in local hosp. I did take a $2000, student loan when my daghter got sick, and paid back $4000 .

    31. Jeanne Stotler says:

      Part 2. Mostof the kids in my HS class either went in Military and school under GI Bill, or parents paid for school or they worked their way through. You could get jobs on campus or close by. Medical cost and College classes have gone up way more than general inflation, 1972 you could be in the hospital a week, admitted through ER and cost was aBUT $1000, TODAY JUST er IS ABOUT TWICE THIS AMOUNT. Someone needs to look into why this has happened, Our Gov't. is most likely the blame, everything they touch becomes out of reach for he average person. ad Back then we paid for routine care Insurance was forEmergenies and hospital, that's why it was called HOSPITAL INSURANCE.

    32. Teaching for Change says:

      ‎"This all began back in 2007 when Democrats pushed for a five-year student loan interest rate reduction to 3.4 percent as a temporary subsidy in order to help make the loans more affordable. Now that “temporary” subsidy is set to expire, meaning that rates will return to their original 6.8 percent levels." How about this all began back in 2004 when Bush pushed for his tax cuts for his wealthy buddies in order to make them MORE wealthy and to increase the already disparate education chasm in this country. Now that that "temporay" subsidy is set to expire, the wealthiest of our citizenry are all up in arms that their beloved unearned privlieged status quo will be upset. It's particularly disturbing that when we are talking about helping poor or middle class citizens, its throwing money at a problem as a subsidy, but when we are dealing with the hyper-entitled, from the congress down through the Fortune 500 CEO's it's deemed investing in America.

    33. Teacher 4 Change says:

      "Federally subsidized student loans are handed out to millions of college students regardless of risk — let alone whether they can handle college-level work. Thanks to taxpayer backing, the loans are offered at rates far below what private lenders would offer. When the students can’t afford to pay, the American people are stuck with the bill. The Heritage Foundation has once again shows it bigotry and bias prejudging the caliber and potential of a student. I worked for years with students who were deemed not capable of "handling the work".

      This fallacy that we all start from a level playing field is just that – a fallacy. You try "making it" like everyone else when you are born into a life of poverty, and have little or no access to the resources enjoyed by others. Speaking of not paying bills…once again the 8 year blight of the Bush Adminstration certainly showed us how quickly this outrage of being "stuck with the bill" doesn't apply to Wall Street, Banks, law manipulating CEO's or Congress itself.

      Wake up and smell the lies people!

      • Bobbie says:

        your speak is tiresome. do you have a degree in social indoctrination? plenty of people were born into poverty and do everything they can to avoid government dependency. Nobody should expect anything from government. It ruins a persons initiative to figure things out on their own and without infringing on American tax payers. Unless people could afford college they don't or didn't used to hold themselves back from working their way through. When personal interests change personal ambitions change and initiative is established on ones' own. Since college education is only benefiting those who have it, how about they pay their own way all the way through?

      • Bobbie says:

        people want to enjoy the resources that others might? they can work to afford them that others have. I want change to! Your narrow mindset change to an open one, teacher!

    34. sly311 says:

      After 25 years at the University of Colorado at Boulder, I can attest that every word of this article is true.

    35. sly311 says:

      After 25 years at the University of Colorado at Boulder every word of this article is true.

    36. Bill Cahill says:

      There a signifcant level of greed in the educational system and it ultimately rewards a relatively small number of upper education staff but is creating bubble problem which will bite us as well as the students who we need to have educated. I believe there is a level of corruption associated with the massive increase in the cost of a college education. There should be an investigation of the problem.

    37. Greg V says:

      Why are you wasting ink? ALL this White House cares about is re-election; long term policy correctness is totally irrelevant. The current WH position must have polled well somewhere; or, more likely, it sounded good to some Obama strategist. With God's grace, in January 2013, we can get back to some meaningful discussions of what's good for America.

    38. J E Houser says:

      Its time for the federal government to get out of the education business. The new dictionaries perfectly describe the federal government's influence — "education" is now pronounced "edge-a-cation." What percentage of American workers require a college diploma? How much of the government (our) money is going into real improvement of education as opposed to college staff pockets and predatory expansion? How much is wasted on federal "education" meddling, intervention and staff? When I hear of these new "degrees" that colleges are handing out, I am appalled !

    39. hoperemains says:

      Having worked in CMH I can't tell you how many people I have seen that were going to school merely to receive the student loan and/or grant money. They do end up with cash after school tuition, books, fees etc are paid. Many had the smart phones, tanning packages & sometimes cars nicer than I could afford w/my Master's Degree and license in my field.Often they could not keep up their grades and had no idea what it meant to focus and study for school. This group included people 20-50 yrs old. Many were on Disability and had no intention of ever going to work ,as they were living on Disability. Most couldn't make up their minds and worked on or reported multiple associate degrees?? Few, if any in this cagtegory will ever even attempt to try and pay back the money.

    40. hoperemains says:

      They have become used to having things paid for including their "free" therapy sessions and psych meds for conditions often diagnosed to ensure they did receive Disability . Bipolar Disorder is the diagnosis du jour in CMH and most who walk in the door with a bad attitude and history of acting on that negative attitude and nasty disposition due to growing up being spoiled with no boundaries and structure for a variety of reasons, ultimately will receive a diagnosis of Bipolar and win their disability case. In no way am I suggesting that everyone who is on Disability, using CMH resources and going to school is in this category but the majority, I came into contact with, were. Being a therapist, most spoke pretty feely to me, as for others their attempts to fool me & seek assistance from me in those endevers were unsuccessful. I believe in helping people to help themselves. I believe in personal responsibility. Loans are fine but whoever loans the money, you owe them. Pay the money back w/interest.

    41. hoperemains says:

      The same can be said about the housing market. I can't tell you how many people I have seen buying houses they can't afford and crying about their mortgage payments. I could not have purchased a house at that time working full time with only some personal debt, yet people receiving CMH services due to "low-income" evidently could?? Having said all this, I don't blame the people. I blame the government & the system. So many people in this country have grown up being taken care of and taught this way of life. Their goal is a check coming and it is easier, in their minds to work hard to fight for "their disability" than to get a job. Honestly, a job would less work.

    42. hoperemains says:

      I could go on about this, and I guess I have just done so. But, It is all just so sad. It was difficult to go into a field to help others and find most didn't want to get better, improve their mental health, look at themselves, take responsibility & work to make personal change. Instead most want assistance helping them get more entitlements or to stay on the tax payer $. The people I enjoyed working with the most were those who truly had problems, often the most impaired worked the hardest. I love my field, I hate what the government has done to Americans whose highest aspiration are a disability check, food stamps, medicaid etc. and guess what? They are depressed because, for the most part, that is one depressing lifestyle choice!!!!

    43. Karen o says:

      If so few students benefit why is it costing the government so much?

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