Category Archives: Education

Why I’m Against Forgiving Student Loans

The Biden Administration is forgiving up to $10,000 of student loans for people who make up to $125,000. Anyone getting free debt relief is obviously excited about this, and even some people who don’t have any college debt are happy to help.

The right wing media is furious though. Social media is flooded with posts pointing out how everyone else deserves a break too, poor people need more help than anyone making $125,000 per year, and it’s unfair to treat people who willingly took on loans as victims. As is always the case in American media, everyone is talking about the wrong things, which is distracting from the real issues and therefore enabling them, guarantying the problem will continue.

Everyone knows the price of college tuition skyrockets every year for no other reason than colleges can get away with extorting their customers. One of the main reasons they get away with this is they know it doesn’t matter if their students can afford tuition. As long as students can get a loan, the school will get their money, and whatever happens after that isn’t the their problem.

Imagine if the government came out and said, “We realize you need a car to get to work, and the price of cars has risen 1,000% in your lifetime. So we’re going to give everyone who currently has a car loan $1,000. You’re welcome.” Anyone with a car note would say, “Sure, I guess. Thanks for barely nothing.” Anyone without a loan would say, “Fuck you too.” They would both be right, but arguing about the details misses the point. The real issue is the extortionate increase in the price of cars. If the government simply stopped car companies from being able to overcharge their customers, they could fix the problem for free.

The second half of the real problem is the interest rates on student loans. Imagine if you bought a car for $10,000 because you needed it to get to work. Then you paid $100 every month for a year, and at the end of the year your loan balance was $10,000. Then the president of the United States comes out and says, “Don’t worry. I’ll save you by making tax payers give your predatory lender $100!”

An actual person’s student loan balance

Millennials wouldn’t be crippled by a lifetime of student loan debt if the interest rate was zero, and since student loans are the only debt that can’t be eliminated by filing for bankruptcy, I believe that would be a fair trade.

Anyone who is pissed off that it’s unfair for college debtors to get free relief shouldn’t be focusing their arguments on that one myopic point. They should be pointing out that the government could give students more help for free by simply eliminating interest rates, or at least cutting them in half. The only people who lose in that scenario are the ultra rich assholes who created the problem.

If we’re going to scream about how something is unfair, we should be screaming about the fact that the government’s only solution to students being exploited by financial institutions is to give huge lump sums of free tax payer money to the exact same bankers who created the problem to begin with. This is exactly how the government dealt with the 2008 housing market crash:

Step 1: Financial institutions bankrupt consumers by overcharging them. Step 2: Consumers can’t pay off their loans, which means the banks become in danger of going bankrupt. Step 3: The government gives the banks free tax payer money. Step 4: The CEOs of those companies buy mansions, yachts, cocaine, and hookers with that money. Step 5: The consumer never stops living paycheck to paycheck.

So, yes, I’m completely against giving those vultures more money. I want students to have debt relief, but I want them to get it at no cost to the tax payer by simply preventing colleges and lending institutions from gouging their customers.

If you liked this post, you may like these:

Fixing the Economy
The Housing Market
Healthcare in America
The Stock Market

Wise Sloth Video List: Education

I prefer watching educational videos on YouTube more than watching television, but it’s tedious digging for good content, and I’ve already seen most of the good stuff while searching for videos to put in my blogs. In case anyone else is looking for entertaining educational videos on YouTube, I made a series of posts with all the ones I’ve used on The Wise Sloth, organized by topic, with links to the posts they appear in. You’re bound to be enlightentained, and if you need help exploring the 600+ essays on The Wise Sloth, these video lists offer a quick overview that practically summarize my philosophies.

This list comes from my essays on education and focuses on the importance of knowledge and improving public school systems.


Education is the silver bullet to the world’s problems

The value of knowledge

The glass ceiling of higher education

It’s time to stop oppressing the academically disinclined

We need to do more to help people get the job they’re suited for

The quality of our leaders reflects the quality of our higher education system


If you enjoyed this post, you’ll also like these other video lists:


Tweets by The Wise Sloth #22: Public Education


Cartoon image of a sloth sitting on a mountain top. He is wearing a yellow robe. His head is bowed with his eyes shut, and beams of light shine from around his head. With his left arm, he is holding one finger in the air. Above him are the words, "Tweets by The Wise Sloth."

Let’s just eliminate university and make public high school 4 years longer. It’ll be cheaper, and we’d get a better education.

Instead of using school time to teach kids how to celebrate nonsensical holidays, let’s teach them how to solve problems during that time.

Learning how to overcome fear is more important than learning the quadratic equation. Yet schools are more likely to teach the latter.

Dangerous adults aren’t created when society fails to censor kids from bad ethics, but when society fails to teach kids functional ethics.

America’s education system is so broken, it would be better to go 100% digital and close all brick and mortar schools.

It would solve so many problems later in life if schools taught children how to take a hint.

Schools should have classes that teach you how/why not to throw tantrums when you don’t get what you want.

My high school history teacher once told my class America was founded by criminals, slaves, and religious freaks. It seems nothing has changed.

Just because you took a class in college doesn’t mean you know shit about shit.

High schools really need to teach classes on defining and maintaining your self-worth.

In a perfect world, we would have instructional classes in school on dating, sex, and masturbation.

They tell you to go to college to learn. They don’t tell you half your professors will just teach you their shitty life story.

The call to action raised by ignorance is education, not violence.

Anyone who educates themself is a hero.


If you enjoyed these Tweets, you’ll also like these:

My Tweets About Self-Help
My Tweets About Romance
My Tweets About Philosophy 
My Tweets About Religion
My Tweets About Politics
My Tweets About Economics
My Tweets About Pop Culture

Every grain of knowledge is valuable. Every grain of ignorance is destructive.

On the surface, it would seem there’s nothing wrong with being a little stupid or a little ditsy, but this belief is unequivocally false. It’s not okay to be a little stupid. At the same time, actively being stupid is just as bad as passively neglecting to dedicate your life to mental and personal growth.

Every action has its consequences. The consequences of the little stupid thoughts you allow yourself to think, and the consequences of the little smart things you fail to, are like tiny grains of sand. In and of themselves, they may not seem like much, but over the course of your life they add up into a giant dune. Imagine how heavy that dune would be if it were all resting on one end of a scale. Now imagine the other end of the scale where the smart grains go. If you haven’t dedicated your life to vigilantly combating your own ignorance and striving to improve your mind, then how many intelligent grains of sand do you think you’ll have to weigh against the ignorant ones?

Unfortunately, this is more than just a cute hypothetical question. Imagine taking all the little, seemingly innocuous stupid things you’ve done and smart things you’ve failed to do through the course of your entire life, and ask yourself honestly, “What are the cumulative, real-world consequences?

Ultimately, the consequence is you failed to fulfill your potential. You took your one shot at life, the most precious and sacred thing in the universe, and wasted it. And on what? You had the chance to live a life more brilliant and divine than the night sky and you squandered it watching reality TV and cat videos, listening to rap music that glorifies hurting other people, and gossiping about celebrities whose importance you know is a lie. Drug addicts live life more spectacularly than that. At least they know you’re supposed to feel something. But you, your life was completely in vain because you thought that floating just around the status quo was good enough and you didn’t have any responsibility to put any real effort into fulfilling your potential.

Now let’s take this a step further. Imagine if everybody in your society took their person ignorance/intelligence scales and dumped their sands onto one huge scale. Would your society’s scale be heavier on the ignorant side or heavier on the intelligent side? I know for sure my society’s scale would lean to the ignorant side. And what do you think the consequences of that much stupidity would be? Mind you, the consequences of one person snuffing out their own spark of divinity is as bad as an entire universe disappearing. How much worse would it be for the majority of an entire society to do that? And what would happen to that society?

Extinction. That’s what would happen to that society. Or at least, the consequences of their ignorance would set in motion the cause and effect chain of events leading in the direction of extinction. And at some point, the momentum of those consequences would pass the tipping point, the point of no return.

Look at who you are. Look at what you think and what you do. Look at the society you live in and ask yourself honestly, where is all this going?

If you ask me, I don’t think anyone could shovel enough sand off society’s scale to tip it back to the side of intelligence. I think the world is beyond saving. I think it’s just time to buy a bunker, a rainwater collector, some back issues of Playboy and a ton of MREs.


If you enjoyed this post, you’ll also like these:


The Meaning of Life
How to Think Like a Genius
Knowledge and Learning
Biker Philosophy
My Tweets About Philosophy 


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