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Nợ sinh viên - 'án chung thân' với hàng triệu người Mỹ
29 Dec, 2019
đừng vay nợ để đi học, mà hãy mời nhà đầu tư, đầu tư cho việc học của mình :)
ở Lambda School, tuyên ngôn: bạn được học miễn phí, không phải trả đồng nào cho đến khi có việc làm kiếm được 50.000 usd/năm
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In an ISA, a student borrows nothing but rather has his or her education supported by an investor, in return for a contract to pay a specified percentage of income for a fixed number of years after graduation. Rates and time vary with the discipline of the degree achieved and the amount of tuition assistance the student obtained.
An ISA is dramatically more student-friendly than a loan. All the risk shifts from the student to the investing entity; if a career starts slowly, or not at all, the student’s obligation drops or goes to zero. Think of an ISA as equity instead of debt, or as working one’s way through college — after college.
An excellent point. If you watch Shark Tank the entrepreneurs are always wary about debt because debt puts all the risk on them and requires fixed payments regardless. Yet when it comes to financing the venture of one’s own life suddenly equity becomes akin to slavery and debt bondage becomes freedom! It’s very peculiar.
Bài trước: Sinh viên không trả nợ đúng hạn có bị phạt?
Tags: economics
It's either nurse the debt for years (maybe decades) or take the hit quickly while your expectations and expenses are still low. It's always a personal decision of course.