#nodebt

[collegemagazine]

Behind the Scenes of an Imperfect Student Doubling as a Teacher

There’s something paradoxical that comes with identifying as a teacher and an imperfect full-time student at the same time.

big flex: having no debt after undergrad 

[thehappybroadcast]

The city of Amsterdam is taking over the debts of its young adults as part of a drive to liberate people who are struggling to get into work or education. Under the city’s trial project, a municipal credit bank will negotiate with creditors to buy out the debts. Those on the scheme will then be issued with a loan to repay according to their means. Each person on the scheme will be given a coach with whom they will prepare a “guidance plan”. The city believes that young people with unstable incomes often find it near-impossible to restructure their finances and make the necessary repayments. Source: The Guardian https://www.theguardian.com/world/2020/jan/17/amsterdam-young-people-debt-credit-bank

[earthkeyper]

Green Citadels. Explore eco-friendly earthships with sustainability pion...

[thelawofone]

There will be upsetting things coming with regards to financial aspects, meaning that the world is about to experience hyperinflation.  Interest rates will rise past 30%.  The price of metals will triple, as to precious metals.  Real estate, seeds, and water will be the most valuable of all commodities, but all commodities will rise proportionately. It will be a time of chaos, in that already it is evident.  Energy prices will continue to fluctuate greatly, for greed is at the base of this and indeed those that are in certain positions of authority are learning that they can take advantage, almost with immunity from what would be considered the general populace. Invest in those things that come from the ground and this will help to wade through this extreme, or these swings economically speaking. Have no debt, for debt is slavery! As such, things will be as they are seen even now- chaotic, unpredictable, and extreme.  But the world as you know it will survive. For economically speaking, although it will be considered expensive, it is not the economies of the world or the nation that indeed will be the cause of difficulties.  It will be in the planet itself!  Therefore, be prepared; have a supply of foods extended for six months or a year. Have no debt.  Consolidate and be assured.  Own your own property. And indeed, in meditation or states of understanding, you will move forward and will find safe haven- inland a little you see.  But be not afraid.  Things will not fall apart; they will just swing more violently. As the pendulum swings back and forth, ultimately coming to rest of course when the gold standard is once again issued or considered or forced by those influences in the Far East.  For paper money will be as it is seen- a vehicle that brings inflation into a society, without the society's permission or even knowledge!  As there would be the return to those standards of real wealth, the world will settle into a consistency- again

The Source

[ghcstdoctor]

                 “SO. Dr. Stevens. You excited to be with me on ortho today?” He looks up from the chart he’s been perusing to flash her a knowing smirk. “And before you play innocent, let me tell you I’ve already heard every... ‘ortho-jock, it’s-only-carpentry’ joke in the book. So save them for somebody else. I’m gonna show you that bones are COOL.” He winces internally. Okay, so maybe that last part’s overkill. Definitely don’t use that one on the next resident.

@nodebt | SC

[earthkeyper]

Yurt Life and Permaculture In High Sierra

In this weeks episode we travel into the High Sierra region of California to visit a dynamic young family who are living big in a yurt home on their 30 acre homestead / permaculture property.

[joelekm]

How I Built a Real Degree for Free (No Tuition, No Debt) – You Can Do It Too | Life Playbook

Don’t let student debt hold you back. You can build your own degree with courses from top universities like MIT and Stanford—all for free! Customize your education, gain practical skills, and get recognized certifications. Check out my latest video to learn how.

[thebrokestudentsguide]

Residency: What It Is and How to Get It

So you’ve found the school of your dreams. It’s got the major you want, the campus is gorgeous, and you’ve just received your acceptance letter! But unfortunately, it’s a public college in a different state than the one you live in. If you don’t want to pay 3x more tuition than you would for an in-state school, here’s how to get in-state tuition rates.

First of all, residency refers to where your university decides you are from. For instance, if your parents or legal guardians live in Iowa, and you’ve lived in Iowa with them your whole life, you are classified as a resident of Iowa. You can only pay in-state tuition if your college decides you are a resident of the state in which your college is located OR if your state has reciprocity with the other state (check out my “State Schools” post for an explanation of reciprocity.) 

A common point of confusion about residency is that moving to the state you’re going to school in does not actually make you a resident. Renting an apartment in the state doesn’t either. Most schools will use your parent’s/guardian’s address, more specifically the state in which your parents are filing their taxes, and state that the only reason you’re in their state is for school. You can’t prove you won’t leave the state immediately after finishing college, and so they don’t want to give you discounted prices.

Now, the easiest way to get in-state tuition in a state you don’t live in is to marry someone who does live in that state. If you’re from Georgia, and trying to go to the University of Nebraska, signing a marriage license with Phil from Omaha is going to establish you as a resident and get you in-state tuition. Why? Your spouse takes precedence over your parents, and so the University can assume that if you married (in this case) a Nebraska resident, you have a greater intent of staying in the state after graduation. HOWEVER. I am not recommending this. If your school finds out you married someone for the sole purpose of lower tuition, this is fraud and it is likely going to end with you paying the full price of tuition. Not to mention, divorce is pretty messy. 

So, moving right along, the option that I recommend for people who really want to go out-of-state but want to pay in-state tuition would be to GAIN residency in another state, generally by living and working there for some minimum amount of time. Most universities will set a minimum hour-per-week working requirement (generally around 30 hours), and require you to work for around a year. You’ll also be required to get a license in your new state, register to vote there, and file your taxes in that state. 

Gaining residency somewhere new does have a few drawbacks. For one, you are going to have to delay beginning school. Working 30 hours a week and going to school-full time is next to impossible, and a lot of schools have restrictions on how many credit hours you can take while going through the residency process. You also MUST file your own taxes, which means your parents cannot claim you as a dependent. That’s a super important conversation to have with them before starting this whole process.

But in the end? The job alone makes you money, and at the end, you’re paying a third of what you thought you’d have to pay to go to college. So I highly recommend gaining residency in your state if you’re a conscious student.