I don't care any longer to convince anybody of anything.

Trump's method:

First put Education under Labor Department

Next make single digit % cut in Labor budget

- 7.8 % off the Labor Education program

nobody notices; not even old man Sanders.

Not when considering credit, no.

Not when considering credit, no, unless it is a complimentary listing for informative only and not counted to the rating of your credit.

If you owe money on a student loan it should be on your credit rating because you owe that money, the amount you make is reduced by the amount of your payment every month so you have less resources to pay back the debt of another loan. The people loaning you money have every right to know that you have less money available every month to pay your loan back. And just because someone has an education does not mean they make more money or that they are smart with their money, it usually means they have worked at a job less, and if they defer their student loan debt at all that should lower their credit score even more because clearly they aren't capable if paying their debts back.

The United States government already gives a $2000 tax credit per child every year, if the parents were responsible they could put that money into a good savings account for their child's college and they would have about $50,000 to use toward their child's education after they graduate high school.

This credit only reduces your tax bill. Even if you owe nothing the total allowed refund for
the credit would not exceed $1400 from what I understand Over 17 years (the claimable
age) that is just $23,800 assuming you have no tax bill over the 17 year period.
Not a reliable source of savings.

If you owe nothing you get $2000 per child age 0-17 that's $34,000 and after that as long as you claim them as a dependent you get $500 a year. If you were to put that in a good account every year with compound interest it should be around $50,000, even if you didn't make any interest on it it would still be $35,000 and you can do it tax free because it for education. I know people with 3 or 4 kids that get about a $10,000 refund every year and for some reason 3 months later they can't even pay their rent, but they have a new iphone, no clue how they blow the money so fast but to them its easy come, easy go.

I work with families needing/wanting financial aid (private high school). It astounds me how people want
to pay nothing for their child’s education yet just drive around in a brand new Lexus. Priorities are messed up that’s for sure.

You miss the point. If ALL That is being considered is a score, that is NOT an indicator of how you pay your BILLS, which are different than loans.


IF a person has no history of missing their car notes, rent, utitilies or other ongoing MONTHLY Expenses, that is more of an indicator that they pay their monthly bills than if they have outstanding LOANS.

It is not about having outstanding student loans, it is if you are currently making your student loan payments. Failure to take responsibility for student loans is no different than not making your car loan payment other than you are motivated to make car payments if you want to keep the car. The student loan system needs lots of improvements but it is still a debt someone took on and is responsible for.

I disagree. I stick by the fact that whether you pay 'as you go bills' such as the necessities of shelter, transportatation, utilities, et cetera CANNOT be determined by figuring in loans given for repayment at a much later date for and time.

They are different animals.

I suggest, not letting people off for paying debt, but not allowing outrageous interest and costs of student loans to be counted in such a significant indicator for a score that counts towards so many necessities in people's lives.

they will remain there for the simple fact they are part of your debt load.

and in determining what you can afford, they count because they offset your income the same as any other loan.

but when they check a score, it does not include what you can 'afford', it is just a number. What you can afford is determined by your current income and bills.

which is also part of how that score is generated

Yes, part of the calculation is your debt capacity based on your income versus how much of that capacity you currently are using. My current credit score is somewhat reduced because of my income and my current mortgage I am carrying. When I sell the mortgaged property and pay off the mortgage, my credit score will increase.

When I was paying child support that was considered a "judgement against me" so I ended up paying close to 2% more for my mortgage, however if I had a wife and 4 kids at home it would not of affected my credit even thou I would of had many more expenses. Never missed a payment, always paid it on time. Child support is 1/4 of your income, plus taxes, plus whatever else you spend on the kid, and that's just for 1 child, it increases for each one after that. Is it fair the way they figure things, not always, but a student loan is just that, "a loan" and should affect your credit rating as such. Intrest on student loans is less than other loans and way cheaper than a credit card, but if you did use your credit card for school or emergency use it would certainly show up on your credit. Same with medical bills, its all debt you owe and affects your ability to pay off other loans.

Don't worry about the debts you have, simply rejoice that Bernie Sanders is a humble multi-home owning millionaire who will never struggle to pay anything or ever go hungry to feed his children (if he has any).🤡

Looking at the poll number across the country Bernie will be the democratic nominee. It won't matter if he promises everyone a mansion in California you have to vote for whoever the democrats choose - no matter how goofy you may think they are. We have to get TRUMP OUT OF THE WHITE HOUSE. That's got to be the goal.

Trump 2020