<p>No, your D pays back the Stafford loan, so tuition is at no cost to you. </p>
<p>I mentioned SFState, if you don’t want to pay r+b. Food costs shouldn’t be much different if she is still living at home.</p>
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<p>No. She does. Didn’t say it was free - just that you wouldn’t have
to pay it.</p>
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<p>Live at home and pay expenses with a part-time job. That’s what I did.</p>
<p>SF State is not a bad deal if you live at home…not as good as it used to be…</p>
<p>Ok…a Stafford loan does have a cost…</p>
<p>“Live at home and pay expenses with a part-time job. That’s what I did.”</p>
<p>Me too…but I know it was easier to do that in the 70’s…</p>
<p>because college costs have increased at faster rates than inflation…</p>
<p>college costs were cheaper in the old days…</p>
<p>I think that was a good thing…</p>
<p>Actually, it’s NOT a defacto cut. It’s a delay of variable time. If it were a cut, actions could be taken accordingly. But the same level of service is expected, and the bills are being paid late. They are being paid eventually. I think they’re now 15 months late, or something like that.</p>
<p>And I’m not talking about facilities for the students, I’m talking about facilities for the faculty. Every other professional is guaranteed heat in their offices and winter and not to have the rain come in.</p>
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<p>Tuition/fees only for in-state students in California public universities:</p>
<p>Community colleges: $1,080 per year based on 30 semester units at $36 each
California State Universities: $6,489 per year
University of California: $13,200 per year</p>
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<p>You don’t have the money. It’s a defacto cut. That’s the way you operate a business. Unless you want to factor.</p>
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<p>I work for a fortune 20 company and I had leaks in my offices for years during heavy rains. They were eventually fixed but I moved my equipment and personal things away from those windows while there were leaks and left a wastebasket under the leaks so that the rug wouldn’t get stained.</p>
<p>We used to shut off the heat and air conditioning at 4:30 in the afternoon until the next morning. Many of us work in the evening and on the weekends so we would bundle up or come in in shorts and light t-shirt depending on the conditions.</p>
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<p>As pathetic a commentary on high school education as it sounds (and is), that is an improvement over a few decades ago. A few decades ago, over half of entering freshmen at Berkeley had to take the remedial English composition course to meet what was then called the Subject A requirement (now the Entry Level Writing Requirement). Now, about 8% of entering freshmen have to take the remedial English composition course.</p>
<p>Sounds like CC + CSU are cheaper and UCs are more expensive. That would certainly seem to provide better access to the non-wealthy.</p>
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<p>College costs (to you) aren’t a factor here. You have $6,500 in expenses, get $2,500 back from the tax credit and your daughter has a Stafford for $4,000. The part-time job pays for living expenses.</p>
<p>CA publics are still cheap for in-state. But they were almost dirt cheap some 30 years ago. For example, Berkeley (in-state) yearly tuition is about 1/ 3 of Stanford now, but it was only about 1/ 8 some 30 years ago. And Berkeley (in-state) yearly tuition is about 3 months of salary for a graduating STEM major now, but it was only about 0.6 months some 30 years ago. This isn’t just a “Good Old Days” syndrome. :-)</p>
<p>yes, Stillgreen…what did SF State cost 30 years ago? Practically nothing.</p>
<p>“You have $6,500 in expenses, get $2,500 back from the tax credit”</p>
<p>I get a tax credit? Is there an income cap? </p>
<p>Can any student get a Stafford loan…or does it depend on a family’s income?</p>
<p>Subsidized Stafford Loans are becoming more expensive next year ----- interest rates going to 6.8 %, same as unsubsidized, [Stafford</a> Loan Interest Rates < Information | StaffordLoan.com](<a href=“What is a Subsidized Student Loan? | Edvisors”>What is a Subsidized Student Loan? | Edvisors) .</p>
<p>Any student can get an unsubsidized Stafford loan. I think the maximum amount is about $27K over four years.</p>
<p>Not quite so, please read here instead, [Stafford</a> Loan Information | StaffordLoan.com](<a href=“What is a Subsidized Student Loan? | Edvisors”>What is a Subsidized Student Loan? | Edvisors) .</p>
<p>BC Eagle: You also live in a country. If not, your state would have been overrun long ago by more powerful neighbors. The lack of internal threats on this continent was one of the strongest reasons for establishing a federal government superior to state governments by ratifying the Constitution. Living in your small, more rural state, has certain advantages that you appreciate, but they do not necessarily transfer to other states with different resources, demographics, etc., and the virtues of small local government are very difficult, if not impossible, to implement on a federal scale.</p>
<p>I don’t really see an irony in the two sentences that you pointed out. Taxes are not voluntary, and never have been. If voluntary contributions were adequate for the functioning of government, there never would have been a need for taxes. The whole “voluntarily pay more taxes if you want” argument is absurd because it puts the burden on an altruistic few rather than society as a whole, and the latter should pay for its government. </p>
<p>If charity were sufficient to take care of schools, the sick, etc., there would have been no serious poverty to address through social programs. That was not the case and the Johnson’s great society programs did reduce poverty in this country. If every individual simply got to choose where his or her money went, the distribution of money for education and the general welfare would be completely haphazard. Charity is what one chooses do after taxes, not instead of taxes.</p>
<p>I do agree that throwing public money at the problem is not a good approach, but I also believe that taking money away is worse approach unless it can clearly be shown that no significant deterioration in schools, or other public services will occur. While we cannot afford everything, the wealthy citizens of this country can afford to pay more than they do for the benefit of those less fortunate.</p>
<p>I share your disdain for government by special interest groups we have now, but the race to the bottom mentality makes it worse not better. What does it say about our so-called leaders who disdain the government that they intend to preside over if elected? Public schools have long been recognized as essential to a well functioning democracy. They should be viewed as a priority for the Country, not an unnecessary burden because the more successful citizens can afford private schools or homeschooling.</p>
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<p>If you’re above the income cap, then you don’t need the tax credit.</p>
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<p>Which part of my post is “not quite so?” Not seeing anything different in the linked info.</p>
<p>““Which part of my post is “not quite so?” Not seeing anything different in the linked info.””</p>
<p>You mentioned earlier in # 175,</p>
<p>““Any student can get an unsubsidized Stafford loan. I think the maximum amount is about $27K over four years.””</p>
<p>But according to the link, [Stafford</a> Loan Information | StaffordLoan.com](<a href=“http://www.staffordloan.com/stafford-loan-info/]Stafford”>What is a Subsidized Student Loan? | Edvisors) ,</p>
<p>Unsubsidized Limits for Stafford Loans (Undergraduate):</p>
<p>Dependent: $ 8 K over 4 years.</p>
<p>Independent: $ 26 K over 4 years.</p>