What college do you attend?

[GhostOfBetaTapes]

I almost attended Wentworth. Anyway, does anyone else go to RIT?

[Ad Bot]

[BluetoothBoy]

Guys! Didn't you hear?
Bluetooth is biracial, that means he HAS to get his way!

What. Pretty sure we're all having an argument here, not just me. And I don't have to get my way; that is irrelevant to the discussion. Right now, it's about debt and credit cards.

Or am I just completely misinterpreting that statement?

[Night Fox]

Not true. It is possible to have credit without debt - how do you think people who pay their credit cards off every month (like my parents) have credit?

do you even know what debt is? as soon as you use a credit card, you're in debt to the credit card company

[DrenDran]

What. Pretty sure we're all having an argument here, not just me. And I don't have to get my way; that is irrelevant to the discussion. Right now, it's about debt and credit cards.

Or am I just completely misinterpreting that statement?

It was a critique on affirmative action, which you, at least in part, were counting on.

As for credit cards and loans, your house is ask you really need a loan for, even that you can get around. (Apartment?)

[BluetoothBoy]

do you even know what debt is? as soon as you use a credit card, you're in debt to the credit card company

Yes, I know. But it's so short term when paying it off in full each month that it doesn't fit into the larger form of debt that I'm talking about.

It was a critique on affirmative action, which you, at least in part, were counting on.

As for credit cards and loans, your house is ask you really need a loan for, even that you can get around. (Apartment?)

Sorry, could you restate that last part? Not quite sure what you're saying (the "your house is ask you really need" part).

[Mysteroo]

It is possible to get through life debt free, but it can be very difficult depending on the situation.

Like my family- my parents work constantly with two jobs and have a busy life. My sister and I plan on going to decent colleges and get bachelor's degrees, etc. etc. But no matter how much we try, we can't just save money whenever we can and thus have enough money to get by without any debt. The thing is, we don't have any money to save in the first place. A large part of the country barely has enough money to put food on the table.

And my parents are well educated people, my mom is a High school teacher and my dad works at an amusement park and is a pastor. Yet we still had to go more than half of this year on food stamps. The only time of the year we ever really have any spending money is when we get our tax return, which is quickly used up on medical bills and expenses that we've waited on for far too long. If you've gotten by with no financial problems just by spending your money sparingly, you're probably a lot more well off than you realize.

[DrenDran]

Yes, I know. But it's so short term when paying it off in full each month that it doesn't fit into the larger form of debt that I'm talking about.Sorry, could you restate that last part? Not quite sure what you're saying (the "your house is ask you really need" part).

Was a typo.
I'm on my phone.

[BluetoothBoy]

It is possible to get through life debt free, but it can be very difficult depending on the situation.

Like my family- my parents work constantly with two jobs and have a busy life. My sister and I plan on going to decent colleges and get bachelor's degrees, etc. etc. But no matter how much we try, we can't just save money whenever we can and thus have enough money to get by without any debt. The thing is, we don't have any money to save in the first place. A large part of the country barely has enough money to put food on the table.

And my parents are well educated people, my mom is a High school teacher and my dad works at an amusement park and is a pastor. Yet we still had to go more than half of this year on food stamps. The only time of the year we ever really have any spending money is when we get our tax return, which is quickly used up on medical bills and expenses that we've waited on for far too long. If you've gotten by with no financial problems just by spending your money sparingly, you're probably a lot more well off than you realize.

See (no offense to you or your family, Mysteroo), this is an example of the choices people have to make in life. If your initial choices set you back, it's often hard to recover lost ground. Now, unfortunately, teacher, amusement park worker, and pastor are all jobs that don't usually pay much. So I understand your situation is one that may require a bit of debt.

@Everyone who thinks debt is necessary: My point is just that all situations don't require going into debt. I really don't see what's so hard to get about this.

[SlayerZ99]

Hope : Be smart enough and have enough money so I can get a Bachelors in Civil Engineering at UMASS Amherst.

Most Likely : Go to the local community college for 2 years taking Civil Engineering then transfering to UMASS Amherst.

If I go to the community college Ill live with my parents and hopefully have a part time job. Then if I transfer finding an internship somewhere then finally get a job.

I'd like to design and build my own house but the odds of that are unlikely. Just a dream though

[Insomniac]

I'm not in college yet, but I plan on attending one when the time comes in order to work to get a degree in either Robotics Engineering or Computer Science.

[Mysteroo]

@Everyone who thinks debt is necessary: My point is just that all situations don't require going into debt. I really don't see what's so hard to get about this.

Yeah that's true. We knew we were getting into a situation that could mean being in debt, but it's completely possible to get by without any

[devildogelite]

@Everyone who thinks debt is necessary: My point is just that all situations don't require going into debt. I really don't see what's so hard to get about this.

Because you don't seem to understand what debt is. It just means you owe money. People don't buy there cars or homes out right, people don't pay for things outright. Even if you pay your credit cards on time you are still in debt. Literally the only way to build credit is to have debt and pay it off when it's due.

[Mysteroo]

Because you don't seem to understand what debt is. It just means you owe money. People don't buy there cars or homes out right, people don't pay for things outright. Even if you pay your credit cards on time you are still in debt. Literally the only way to build credit is to have debt and pay it off when it's due.

A lot of people have debt, but it's not necessary. You don't have to use credit cards, and there are definitely people who buy their cars and homes outright. It's not against human nature to do that just because it doesn't happen often. He's just saying debt isn't somebody everybody has to have

[BluetoothBoy]

Because you don't seem to understand what debt is. It just means you owe money. People don't buy there cars or homes out right, people don't pay for things outright. Even if you pay your credit cards on time you are still in debt. Literally the only way to build credit is to have debt and pay it off when it's due.

Really? You can't be serious...

Credit without debt: http://money.usnews.com/money/personal-finance/articles/2013/08/16/3-ways-to-build-credit--without-using-credit-cards

Buying a car without debt (paying 100%) cash: http://craigslist.org

[XR-7]

My dad is an MRI Technologist at St Louis University Hospital.  I may be able to get into SLU but I'm not sure.