Just How Hard is University to Overcome
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
It's not just cost though. It's also invested time. Time spent on a college campus is time not earning money.
I don't even want to think about the hours I spent at my first degree....
I calculated two semesters at grad school. It was 80-90 hours a week.
Yeah, think about what kind of career you could have built with that time! Even at $10/hr, that is a lot of money.
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@tim_g said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
@coliver True but my kids will be working while going to college. They know that is expected of them.
But what about all of the better things they can do with their time instead of wasting it on college time... Well depending on their chosen career.
Exactly. That's the biggest thing; the cost of lost opportunities. Had I been in college, I would have missed out on so many huge career leaps. They say you "make your own luck" and college makes luck have a harder time finding you.
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@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
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@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
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@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
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@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
Right. I live in the poorest county in NY and even here it's not hard for a two income home to be over the mark. It's still a great program for what it is and what it is trying to accomplish... But I don't think it went far enough.
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
Right. I live in the poorest county in NY and even here it's not hard for a two income home to be over the mark.
Average household income in the two towns I grew up in between are 37k and 45k.
edit (at least last I checked which admittedly was a few years ago)
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@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
Right. I live in the poorest county in NY and even here it's not hard for a two income home to be over the mark.
Average household income in the two towns I grew up in between are 37k and 45k.
edit (at least last I checked which admittedly was a few years ago)
Same. I just checked and we've actually moved up on the list. We're now the 41st richest county. Out of 62. That wasn't the case when I was in school.
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
Right. I live in the poorest county in NY and even here it's not hard for a two income home to be over the mark.
Average household income in the two towns I grew up in between are 37k and 45k.
edit (at least last I checked which admittedly was a few years ago)
Same. I just checked and we've actually moved up on the list. We're now the 41st richest county. Out of 62. That wasn't the case when I was in school.
The two towns I was talking about have now moved up to 41k and 47k respectively
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@scottalanmiller said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
It's not just cost though. It's also invested time. Time spent on a college campus is time not earning money.
I don't even want to think about the hours I spent at my first degree....
I calculated two semesters at grad school. It was 80-90 hours a week.
Yeah, think about what kind of career you could have built with that time! Even at $10/hr, that is a lot of money.
That's one of the reasons I never finished that degree. I would have spent ~1000 hours working on a thesis with no real tangible benefit after graduation. I couldn't make the numbers work in my head.
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@scottalanmiller said in Just How Hard is University to Overcome:
@tim_g said in Just How Hard is University to Overcome:
For example...
if I came to you for a management position with only a bunch of IT experience with MCSEs and Linux certs
versus:
someone else coming to you with a bunch of IT experience, MCSEs and Linux certs, plus an MBA...
Which would you choose?
Just watched the video. Good stuff and makes sense. I've been wanting to do something small on the side for a long time and never really thought of the two together. I don't have a lot of time but I suppose i don't need to take on anything I can't handle.
This may be the thing to make me serious about getting started.
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@scottalanmiller said in Just How Hard is University to Overcome:
So for reference, student loans, for those able to get them (many of us cannot so these are not realistic numbers, many students must use credit cards for this) run from 4.3% to 6.8%. That's the first step.
Actually, 8% is far more common on US Gov't loans, even when the mortgage and other markets were FAR below that. The mandated cap is 8%, and on repayment it stayed at the cap even when it didn't have to.
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I've gone through this thread, and other than agreeing with a lot of it and learning how much I want to watch @scottalanmiller and @Dashrender sit in front of a camera and discuss just about anything, I have some fundamental questions on the topic and comments in general:
- Can we really assume working in IT without a degree is as viable as it was before? My thoughts are "yes and no" since it is so much simpler to start a small business than it's ever been before with IT, but what about simply "getting a job"?
- I cannot and will not equate the assumption that you are out of the working world or wasting your time while in college. Maybe partying was or is a common occurrence in some or many experiences, but it was not mine. I have never done college without working at least 30 hours a week and often 40 to 50. Ironically, I think I would've gotten more out of college had I been able to go full time.
- I had the experience of being 20+ years old when starting college, and working 2 and 3 jobs before that knowing I couldn't break that cycle. I went to university and I did. I can't say it's because of university specifically, but I do think there is an intangibility to going beyond HS and then into a career. You have to go to HS. You choose to go to College/University. When you get out you are motivated to make something of that. You might be the person that is motivated to do that out of HS, but more generally you are really motivated to do it when you get out of college because you chose to do it, and many employers see that value, in my experience and opinion.
Now, full disclosure I'm a college professor at the CC level. I'm not promoting this opinion out of any sort of CYA or job-security mentality, I assure you. Also, when it comes to the financial and time costs for college, those are very real, and the source of where I agree with a lot of what I'm reading here. I think the elements beyond money and time have to be accounted for (pun intended). There are intangible benefits to the College/University experience that matter. To put it in academic terms, they are qualitative and not quantitative. I could go on, but in the interest of the time value it takes to read this...
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@worden2 said in Just How Hard is University to Overcome:
I've gone through this thread, and other than agreeing with a lot of it and learning how much I want to watch @scottalanmiller and @Dashrender sit in front of a camera and discuss just about anything, I have some fundamental questions on the topic and comments in general:
- Can we really assume working in IT without a degree is as viable as it was before? My thoughts are "yes and no" since it is so much simpler to start a small business than it's ever been before with IT, but what about simply "getting a job"?
- I cannot and will not equate the assumption that you are out of the working world or wasting your time while in college. Maybe partying was or is a common occurrence in some or many experiences, but it was not mine. I have never done college without working at least 30 hours a week and often 40 to 50. Ironically, I think I would've gotten more out of college had I been able to go full time.
- I had the experience of being 20+ years old when starting college, and working 2 and 3 jobs before that knowing I couldn't break that cycle. I went to university and I did. I can't say it's because of university specifically, but I do think there is an intangibility to going beyond HS and then into a career. You have to go to HS. You choose to go to College/University. When you get out you are motivated to make something of that. You might be the person that is motivated to do that out of HS, but more generally you are really motivated to do it when you get out of college because you chose to do it, and many employers see that value, in my experience and opinion.
Now, full disclosure I'm a college professor at the CC level. I'm not promoting this opinion out of any sort of CYA or job-security mentality, I assure you. Also, when it comes to the financial and time costs for college, those are very real, and the source of where I agree with a lot of what I'm reading here. I think the elements beyond money and time have to be accounted for (pun intended). There are intangible benefits to the College/University experience that matter. To put it in academic terms, they are qualitative and not quantitative. I could go on, but in the interest of the time value it takes to read this...
So is my wife and she completely does not accept Scott's premise. It used to lead to fights but now we just don't talk about it.
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@dashrender For me personally, it's almost stressful, because as an IT educator I straddle both realities. As for your last point, my wife and I just had our 20th anniversary, btw. I know of what you speak, but do not speak of it!
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@worden2 said in Just How Hard is University to Overcome:
@dashrender For me personally, it's almost stressful, because as an IT educator I straddle both realities. As for your last point, my wife and I just had our 20th anniversary, btw. I know of what you speak, but do not speak of it!
20 years, nice. I've been married for 16, together for 23.
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
That's pretty shitty that they consider combined income. So a single person making tons of money can go to school for free, but a couple with kids making really low income both working trying to make ends meet have to pay to go to school. Typical.
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@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@quixoticjeremy said in Just How Hard is University to Overcome:
@coliver said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
@penguinwrangler said in Just How Hard is University to Overcome:
In Missouri, we have what is called the A+ program. HS kids go through a program and have to meet certain requirements. Once they do, their first two years of college at a community college is free. My kids are doing this.
SUNY (State University of NY) is all free now, except for the extremely wealthy, I'm told. It is a new program, so I know basically nothing about it. And SUNY is one of the top college names in the world.
It's free for the low end of the income bracket. There are a number of stipulation that go along with the excelsior scholarship.
Actually as someone who lives here, it's not just simply the low end, it is a large portion of the populace that seems to be receiving it. Quite a few of my friends have gone back to or are attending college purely because of this program, none of them being exceedingly poor.
I live just a few hours south of you and work in the system. It's a bit more far reaching then what I've said yes. It's a step in the right direction but it's baby step. It effects households under a combined income of $100,000. So it's generally low-mid to lower income. The nice thing for the state, and tax payers, is that it takes effect after all other grants take effect. It will only cover 6,470$ per semester... Which is really nice for us small and community schools.
Okay this makes sense as all of my friends live in that under 100k area lol.
Right. I live in the poorest county in NY and even here it's not hard for a two income home to be over the mark. It's still a great program for what it is and what it is trying to accomplish... But I don't think it went far enough.
Not at all.
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@worden2 said in Just How Hard is University to Overcome:
@scottalanmiller said in Just How Hard is University to Overcome:
So for reference, student loans, for those able to get them (many of us cannot so these are not realistic numbers, many students must use credit cards for this) run from 4.3% to 6.8%. That's the first step.
Actually, 8% is far more common on US Gov't loans, even when the mortgage and other markets were FAR below that. The mandated cap is 8%, and on repayment it stayed at the cap even when it didn't have to.
I was trying to be insanely conservative with the numbers to make sure that there was absolutely no way anyone could say that I was skewing it towards not going to university having an advantage. In the real world, I know it makes my case far more.
Eight percent though, wow.
