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STUDENT LOANS ARE DESTROYING AMERICA'S YOUTH


The illuminati are destroying America's economy by saddling college students with unfair, insane amounts of debt.



The total outstanding student loan debt in the U.S. is $1.2 trillion, that's the second-highest level of consumer debt behind only mortgages. About 40 million Americans hold student loans and about 70% of bachelor's degree recipients graduate with debt. The class of 2015 graduated with $35,051 in student debt on average, according to Edvisors, a financial aid website, the most in history.



Over the past few decades a variety of factors coalesced to make student debt an almost-universal American experience. For one, state investment in higher education dwindled and colleges made up the difference by raising tuition. At the same time, financial aid hasn't kept up with tuition growth. In the 1980s, the maximum Pell Grant - the money the federal money gives to low-income students to attend college - covered more than half the cost of a four-year public school, according to The Institute for College Access and Success, a think tank focused on college affordability. Now, it covers less than one-third the cost.

The cost of college in America has been skyrockeeting for decades. Why has college gotten so insanely expensive in America while it's free in illuminati Europe? The reason is that the educational institutions are controlled by the illumiinati and they are trying to make sure Americans can't afford college.

Unlike any other debt in America, you cannot refinance student loans to get a better rate. You cannot declare bankruptcy if your loans are not payable. You can refinance a mortgage, you can declare personal bankruptcy if your credit card debt gets too high. But student loans are a throwback to indentured servitude. Once you take them out, they hang over your neck for the rest of your life.



Who makes all the money off these loans? Many of which are loaned by for-profit banks now? Of course it's the illuminati banks - it's wall street. The Satanic Illuminati Jews are destroying the lives of our youth and no one in America is doing shit about it. Besides Bernie Sanders (A great Jewish American Hero), most people aren't even talking about it.

In a highly competitive global economy, we need the best-educated workforce in the world. It is insane and counter-productive to the best interests of our country and our future, that millions of bright young people cannot afford to go to college, and that millions of others leave school with a mountain of debt that burdens them for decades. That shortsighted path to the future must end.

Bernie Sanders has long made student loan debt a key part of his platform. Early on Bernie recognized the unfairness and stupidity of our student loan system - as well as the skyrocketing costs of education in America.

The illuminati doesn't want any American to go to college. In illuminati controlled Europe, college is free. If you want to go to Oxford or the Sorbonne in France the government pays your tuition. Germany eliminated tuition because they believed that charging students $1,300 per year was discouraging Germans from going to college. Finland, Norway, Sweden and many other countries around the world also offer free college to all of their citizens. If other countries can take this action, so can the United States of America.

In fact, it's what many of our colleges and universities used to do. The University of California system offered free tuition at its schools until the 1980s. In 1965, average tuition at a four-year public university was just $243 and many of the best colleges – including the City University of New York – did not charge any tuition at all. We need to make college free in America - as it is in Europe.

Not only does student debt destroy people's economic livelihoods. It forces them often to move back into their parents houses. With student debt taking half of your paycheck, America's young adults have to rely on their parents in order to survive. They have d to avoid starting families because it is too expensive.

The Student Debt crisis is not something that came out of nowhere. The illuminati iintentionally created it. Not noly do they want Americans to be less educated, and burdened by insane debt, they want to destroy our families. They want to stop us from having kids.

The illuminati can't have children anymore, God has struck them all barren. They hate Americans and they hate the fact that we can still have children. Their response is to make having a child cost-prohibitive in the US. How can a young family afford to have a child if both parents are living under mountains of debt? How can they afford to have a wedding? How can a young man get a girlfriend when he can't even afford to ask a girl out on a date? And if he does save up a enough money to ask a girl out, he has to bring her back to his parents house if the date goes well. The whole situation is killing American families before they even begin.

This debt crisis is a big part of why the US birthrate has hit a 30 year low. The number of babies being born in the United States continues to fall, with the birth rate reaching a new record low in 2017, according to a new report from the Centers for Disease Control and Prevention. Last year, about 3.8 million babies were born in the U.S., which is 2 percent lower than the number born in 2016, and the lowest recorded number of births in 30 years.

What's more, there were about 60 births per 1,000 women ages 15 to 44, which is 3 percent lower than the rate in 2016, and the lowest recorded rate since the government started tracking birth rates in 1909.

Part of the reason for the decline in U.S. birth rates may be that people are in a general state of economic uncertainty, said Karen Benjamin Guzzo, associate director of the Center for Family & Demographic Research at Bowling Green State University in Ohio. People feel uneasy about their economic situation; they may be employed but working part time, or going to school and working, or trying to pay off student loans, Guzzo said.

"People feel just really uncertain about the future," Guzzo told Live Science. "And that generally does not bode well for having kids."

In addition, young adults may feel like they haven't met all the milestones they feel they need to reach before having a kid, such as getting a college degree, having a stable income and getting married. "It takes longer to feel like you're a grown-up," Guzzo said. All of these things are a product of the insane illuminati way America handles student debt.

This student debt is also destroying our economy. If all of our young adults are paying half their paychecks to the illuminati banks who control their student debt, they don't have money for other things like houses, cars, or weddings. Even smaller things like video game purchases, going out to movies, or buying music become cost prohibitive when you're dealing with insane debt. The money that is going to the illuminati banks should be going into the US Economy but instead instead it's going to the banks who already have billions in profit.

Research indicates that the $1.2 trillion in student loan debt may be preventing Americans,from making the kinds of big purchases that drive economic growth, like house and cars, and reaching other milestones, such as having the ability to save for retirement or move out of mom and dad's basement.

Two areas of our education system particularily abuse student loans - for-profit educational instituations like University of Phoenix and the 2 year community college programs that a lot of students go to because they can't afford a 4 year university. Many students enroll in a 2 year program, realize they can't continue it after a year and end up with significant student debt and no degree. They are essentially getting ripped off for nothing.

Though it might seem counterintuitive, borrowers with smaller debts are actually more likely to struggle with their student loans than borrowers with large balances. That's because a small debt may be a sign that the borrower didn't complete school or obtained a low-level degree that's relatively meaningless in the job market.

For-Profit colleges are completley abusing this system to make vast profits. For-profit colleges have come under scrutiny from lawmakers and consumer advocates who accuse them of using inflated job placement and graduation rates to lure students into enrolling and taking on loans. University of Phoenix is the poster child for this type of fraud. The University of Phoenix is a SCAM. It targets the least able to succeed students (cash cows) in college for its enrollment (sales). Most importantly, graduates of UoP are no better off than anyone else in finding a job. Their degrees are ABSOLUTELY WORTHLESS.

A September study published by the Brookings Institution found that a large share of the growth in the number of students struggling to pay off their loans over the past several years is tied to students borrowing to go to for-profit schools and to a smaller extent two-year community college.

For example, Penny Schoenke, a single-mom from Menasha, Wis., enrolled in the University of Phoenix program after academic counselors told her the degree was basically the same thing as a degree in social work with some "minute differences."

Schoenke thought she was enrolled in a program that would enable her to become a licensed social worker in the state of Wisconsin upon graduation. But $30,000 in student loans later, she started getting suspicious. Schoenke, required to do an internship as part of her degree program, kept getting turned away by potential employers who told her that she wasn't enrolled in an accredited social work degree program. "It's not even about the money as much as it's the three years of my life that are gone," Schoenke says.

Many of these for-profit schools are offering kickbacks to guidance counselors. These crooked guidance counselors - who make maybe 40,000 at their jobs are given 5 thousand dollar bonusses for each student they can send University of Phoenix' way. That's what happened in the case of Schoenke. The guidance Counselor lied to her and also lied to a bunch of other students. For each one the crooked "counselor" got a kick back from the University of Phoenix.

It's sort of the same thing the University of Phoenix was caught doing five years ago in an undercover camera investigation aired by ABC News. School recruiters told an ABC News producer he could become a teacher with a degree from the University of Phoenix and be eligible to sit for multiple state exams - but it wasn't the truth. The degree alone wouldn't have allowed him to teach in many states.

University of Phoenix is an evil illuminati institution that was designed to defraud the American public and send students into debt they have no chance to pay off. Not only have they defrauded American students, they also defrauded the US government itself.

Since at least 2008, the University of Phoenix has been in violation of the Federal False Claims Act by falsely certifying that it was in compliance with various regulations under the U.S. Higher Education Act. The company pressured employees — who until recently received free tuition to the school — to enroll in classes to inflate graduation and job placement statistics and to help the institution meet the "90/10 Rule."

The 90/10 Rule stipulates that a college must receive at least 10% of its revenue from a source other than the federal government. "UOP urged employees to represent to the federal government that they are paying full tuition, causing them to receive thousands of dollars in financial aid to which they were not entitled," the lawsuit states. "Defendants boast to their employees that these fraudulently procured federal grants and loans are a direct benefit of being a UOP employee and that they should be though of as a ‘bonus.'" The suit claims that school executives, including the director of enrollment, were aware of the fraudulent practice, and even boasted about taking their families on vacations and other outings using the funds.

Additionally, the complaint alleges that University of Phoenix trains enrollment counselors and students to falsify the loan applications of students who do not qualify because they lack a GED or have not graduated high school from an accredited school. In one example, the former employee says he was told to falsify the loan application for a student and that a manager said he was in "no position to turn away students."

A whistleblower alleges that when the school learned in 2011 that he might notify authorities of the institution's illegal actions, University of Phoenix ordered every employee to "power down" their computers" for routine maintenance. "When employees were allowed to return to their computers, various evidence of UOP's intentional violations had been removed and new disclaimers suggesting complaint were added to various documents, including past completed applications for student loans," the suit states.

The University of Phoenix's alleged illegal practices caused the U.S. government to lose billions of dollars a year in federal funding.

Apollo was briefly suspended from receiving Department of Defense tuition assistance funds because of its questionable recruiting practices for servicemembers last year. The company announced last month that it would go private by selling itself to a group of investors for $1.1 billion. If the company does indeed go private, it may no longer be required to provide filings such as those that revealed the whistleblower lawsuit.