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Never Acquire Student Loan Debt On a Soft Degree Unless You Want To Curse College While Going Broke


There are some critical facts both parents and high school students need to know about incurring student loan debt before they sign their names on the dotted line.

Be advised, I’m going to be brutally frank in this missive concerning student loans and incurring student loan debt.

If you are the type of person who can’t handle the truth, this may be a good time to click that bright Red X in the top right hand corner. That caveat aside, here is my next sobering warning and please don’t learn this truth the hard way.

Never take on student loan debt with soft degree as your goal unless you want to curse college while going broke.

College students, who reject this truth, do so to their own hurt, frustration and disappointment. Those who reject this truth can usually be spotted right off, just look for these three glaring telltale signs:

The first telltale sign is, they have a college degree they earned through blood, sweat and tears. But! They cannot find a decent job related to their degree, no matter how hard they try.

Being that they cannot find a job related to their degree, they are forced to take low paying jobs they hate and this has them livid!

The second telltale sign is their student loan debt has them reeling in anxiety, fear and desperation. When these individuals applied for student loans, they had big dreams and big plans. They never dreamed in a thousand years that their degrees were soft. It never dawned on them to switch educational paths and now it is too late. They have graduated and the student loan debt collectors want their money NOW!

The sad part is, when it comes to student loan debt, there is essentially no form of debt relief to relieve the intense and constant pressure of, “Your monthly payment is NOW due!” Student loan debt is a well-laid trap and once a person falls in, they are snared until they pay off those loans in entirety.

One false misstep and BAM! The next thing they hear and feel is the brutal reality of wage garnishment and tax refund interception. These debilitating consequences occur everyday to graduates who never gave thought to the dire circumstances a soft degree would put them in.

Hope those with soft degrees prepared for the onslaught of the student loan debt collection process! That would be receiving dunning debt collection letters and a constant barrage of telephone calls from crude unsympathetic debt collectors. If you think these graduates are having extremely hard times financially, you are right.

What is a college graduate supposed to do when they have accumulated fifty seventy thousand dollars in student loan debt and they are in the arrears or have defaulted? And, they are living at home with their parents, essentially only able to demand an income similar to minimum wage with their soft degree? It is like being in between a rock and a hard place.

The third and final telltale sign is an ugly one but nevertheless abrasively true. These students now curse going to college! They now believe that going to college is a worthless proposition and obtaining a degree is a crock.

Listen to them for a short period of time and you can feel the seething contempt, anger, frustration and disappointment in their voices. They are passionately adamant about their new position because they are strapped with student loan debt they have no way of paying unless they literally stop eating and quit having a life.

Consequently, they are on the verbal warpath! They want to lash out at their college. They want to lash out at the obstinate student loan debt machine that churns out startled, shell-shocked borrowers without a scintilla of compassion or concern. They want to lash out at the United Stated Government, the politicians, the President and at anyone who says that a college education is the key.

Uh, sir, ma’am, although we certainly feel the pain you are going through, it is important that you wake up to the truth. The truth is, you acquired what we classify as a soft degree. What is a soft degree? One that is unable to demand the attention of any job market, here or abroad.

People with soft degrees might as well have skipped college and ordered a degree from one of the ardently laughable college degree diploma mills. Soft degrees carry about as much power as a generic three year old AAA battery.

And just so you know, employers respond to people with soft degrees with a dismal yawn and a standard canned, “We’re not hiring right now.” The overall market sees no need for people with soft degrees.

The bottom line is this; go into college employing forward thinking. Avoid taking on student loan debt if you are acquiring a soft college degree. You want a degree that is in demand and marketable today, tomorrow and in the foreseeable future.

Brad Matheson is a professional Financial Consultant who specializes in helping businesses and individuals resolve their debt issues. He believes that all debt problems can be solved with the right debt advice and aspires to help Americans learn all of their debt options and exercise all of their rights. Says, Matheson, “Don't allow the Student Loan Debt crisis or a Defaulted Student Loan to hinder or block your career aspirations or stymie your financial dreams, There is Student Loan Help available!”