Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Stupid question, but I just have to ask

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Stupid question, but I just have to ask

    I went to the big "flagship" university for my undergraduate degree (engineering), and then an assistantship for my graduate degree, which along with a big scholarship on the front end (i.e., that made for the tuition right there) and a lot of nickel & dime scholarships later on for being a good scholar (3.9 GPA in engineering will do that), allowed me to attend school for free. I even made net spending money (i.e., after room & board) for the undergraduate years. Throw in a new car as a graduation gift from my parents (a very good gift to give a child who finishes school, I think, BTW), and I was in a very good financial position starting out on life, being able to sock away cash into the 401K (that survived my BK, LOL), buy a home at age 24. I can't fathom how someone struggling with student loan and automobile debt, making the low wages that employers now pay can make it with much to spare.

    I am wondering if folks here with student debt that had attended private universities instead of their local state U wish that they could go back in time and make the choice to go to that state U. Or do they think that the experience they got at the private university was so much better than they could have expected at state U, that it was worth the extra money.

    I don't know - I guess I'd like to get some insight as to why folks would want to spend an extra $50-100K for the private university degree. Is it that they figured that going to the private university would amortize out to that much better of a job at the end vs. state U? (Obviously, this would be like a futures contract that went horribly wrong.) I know that some universities are so competitive, like the Ivy League, Stanford, MIT, etc., that potential employers figure that someone who just got in and made decent grades there must have a high IQ and inner drive, etc., that legally can't be tested (i.e., the Griggs v Duke Power court case), so theoretically the high price for matriculating at such a school has some objective merit. But there are a lot of lesser, expensive private universities that are not any more competitive than the typical flagship state U, so it would not make sense for that case.

    Is it that the private university offered the perfect major that none of the state universities offered, and it was considered that important to get into that perfect program rather than something somewhat similar at state U?

    Do you think that the private universities just seemed to me more personal and do a better job at marketing? I know that when I was considering the school to attend (which really wasn't much of a choice as I pretty much already figured on attending my flagship state U quite early on - although I considered the local state U for cost reasons, as I would have saved on room), I was bombarded by private universities (scoring 99.9% on the ACT will do that), but short of a complete scholarship to an Ivy or MIT, I was set on state U (and I really didn't even feel like trying since I figured that full ride scholarships to those places go to the truly divine applicants.) I remember a few high school classmates that did go to some of the smaller private universities, but I just could not understand why they wanted to pay that much more.
    Last edited by joshuagraham; 09-12-2012, 06:17 PM.

  • #2
    Here's 2 cents worth from someone that has graduated from the school of life that doesn't issue paper degrees.

    There are pros and cons to private v state schools.

    I have paid for all of my kids to graduate with college degrees. 2 graduated from less than "name brand" schools, 2 graduated from big "name brand" schools.

    All are doing well at this time. 2 of them are making 100K+ per year. One went to name brand, one went to generic. The other 2 (younger ones) are doing well as well.

    The name brand schooling for 2 of them has helped with their careers.

    The generic brand schooling has not hindered the other two.

    I'm broke, you're confused.............................. lol
    All information contained in this post is for informational and amusement purposes only.
    Bankruptcy is a process, not an event.......

    Comment


    • #3
      If I could go back, I would have done community college for two years, then gone to the state school associated with the community college. I got into a private school, and had enough scholarships and loans that I only had $500 a year to pay out of pocket.

      At 17 I had no idea what to do with my life, and I didn't have parents to help out. Going to a CC would have given me a little more time to decide, without the 17k in loans. (for two years).

      Comment


      • #4
        I went to Community College and then to a state college.
        Frankly, I even realized it while doing it- it was a CRAP education.
        Maybe it's gotten better in the past couple of decades, but I really wish I had chosen a different path.

        Keep On Smilin'

        Comment

        Unconfigured Ad Widget

        Collapse
        Working...
        X