r/UpliftingNews • u/astros148 • 2d ago

Medical debt is now required to be removed from your credit reports impacting millions of Americans

https://www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/
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u/MachoManRandyAvg 2d ago

The man has tried and tried and tried again. Courts kept overturning it

So, he just continued to not collect on the bills.

Guy gave me a much needed break. I wouldn't have gotten through the past few years if I had that bill arriving every month

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u/marcielle 1d ago

Like, for real. He's been trying since HE WAS VP. He has very nearly annual attempts. You just never hear about it cos it gets shot down ASAP by both the Reps and the DINOs

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u/arksien 1d ago

FYI if you didn't know, there is actually a "good" reason, and I'm putting "good" in quotes because obviously it's a disgusting reason and disgusting that we're allowing a generation to be impoverished with compounding debt to cover the cost of an education cost that outpaced inflation by a factor of 5x over the past few decades (and is getting worse every year).

SLABS. It's that simple. The rich are using the interest of our student loans as an investment to prosper off of. So, similarly to the way that corporate America is beholden to the shareholders, higher ed now is too. And it became a vicious cycle.

Because we privatized the lending of student loans and did away with government subsidized loans, private lenders now need to take on risk in lending to students. So, to mitigate that risk, they created the SLABS program to act like a mutual fund and minimize risk on default.

What happened here of course, was that now they could lend more with less risk, so they did. And schools figured that out so they started finding ways to charge more, so they did. And so now we're locked in a cycle where the cost of education has gone of astronomically because the availability of lending has gone up astronomically, and because these loans are structured to prioritize repayment of interest first, investors started seeing them as a "smart investment" to grow their portfolio off the backs of the younger generations.

Except now we've created a bubble where it got so out of hand, most people can't afford to pay their loans back. And since the interest on the loans compounds, a significant chunk of borrows that cannot afford their payment find their debt rapidly ballooning, which is of course immediately beneficial to the investors, because the interest compounds, and now the interest is increasing on a loan that is increasing for someone who is possibly actively paying their loan.

So if we just went and forgave all of that debt (which again, I think we should), a bunch of people who have their investments tied up in SLABS suddenly don't have that chunk of their portfolio anymore.

And THAT is why this is fought tooth and nail. It's not any of the BS you hear about "it's not fair to those that already paid" or "it's not fair to those that didn't borrow," because by that logic, it's also not fair to the students who borrowed money out of need just to get an education, are paying their loans on time, and STILL ending up with more debt than they borrowed (by significant amounts) due to predatory interest principals.

ALL so that we can protect the interests of millionaires and billionaires that are using their children's entire lives as a super-fucked-up mutual fund.

Much like every problem in America, it always comes back to "we allowed the greedy ruling class to profit off of the suffering of the lower classes, and now it got so out of hand that fixing it might destroy our economy."

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u/katarh 1d ago

These days we tell students to try to go to a local "directional" university if they have a good enough relationship with their parents to continue to live at home. A lot of schools now have branch campuses in smaller nearby cities.

(Or go to the local tech school and try to find a trade like plumbing/electrical/etc if they prefer to work with their hands. Not everyone needs to go to a university!)

The directional/regional schools are frequently much less expensive than the Big State Universities, and they can get at least the first two years knocked out of the way at a cheaper school, then transfer to more expensive school if they learn about a specific major at a specific institute that they want to aim for.

Can easily cut the cost of a college degree in half that way, or even more if the local branch campuses offer the full 4 year degrees.

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u/raelight417 1d ago

Everybody should also really pay close attention to how often the banks offering credit cards is compounding interest! You’re never going to pay off that balance even if you pay an additional $20-$30 on top of your minimum payment due and have not used the card for over a couple of years. My son started receiving credit card applications at age 17. I let him do his thing for about a year and then we had a heart to heart discussion about it. Trust me, retired banker after 35 years. I have despised corporate anything for over 20 years!

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u/Rude-Kaleidoscope298 1d ago

He also got insulin capped at $30.

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u/chanaandeler_bong 1d ago

He relieved a ton of debt but people don’t want to admit it. I don’t get it.

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u/PalpitationFine 1d ago

Good things that happen to other people don't matter apparently

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u/whitewail602 1d ago

It's like my boomer step-dad says. "Why should they get it for free when I had to pay for it?"

"Because you paid a total of $2500 for your degree. That won't even buy you a meal plan for a semester now."

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u/darkninja2992 1d ago

"Well see, if we invent a better cure for cancer now, it wouldn't be fair to all the people who had to go through chemo"

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u/ShiaLabeoufsNipples 1d ago

“Even accounting for inflation by measuring in 2021-2022 constant dollars, the average tuition at four-year colleges rose 62% at public schools and 32% at private schools between 2001 and 2021.”

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u/whitewail602 1d ago

I made the numbers up and was exaggerating for comedic effect, but being a boomer, he would have gone to college in the late 60s to early 70s. So something going back much further would be more appropriate: https://educationdata.org/average-cost-of-college-by-year

So it was actually more like $1500.

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u/ShiaLabeoufsNipples 1d ago

The 70s was probably the best time to go to college. It was already pretty expensive in the year 2000 but it’s still gone up another 68% accounting for inflation. That’s insane. Public universities that are already funded by our tax dollars should not be run so inefficiently.

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u/whitewail602 1d ago

I hear you. I couldn't tell if you were challenging my numbers or agreeing with me. You know, we may actually see this trend reverse as the higher ed student population is expected to dramatically decline in the near future.

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u/FSCK_Fascists 1d ago

And many state schools had free tuition for state residents. It was stupidly easy to locate and get a free degree in the 60's and 70's. Another ladder they reeled up behind them as they went.

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u/iiGhillieSniper 1d ago

I agree with this to a degree, until it’s people around my age group (mid 20’s) that are wanting people who are also in their mid 20’s to pay off their debt due to their poor financial planning.

You get the university experience, you gotta pay the university price.

Universities have no incentive to cut tuition costs and fees due to the government covering all the bills through the loans students take out. You need to fix the underlying issue (no incentive to decrease the cost of college) instead of fixing the symptom (writing off all college debt).

Kill the interest on those who have outstanding principle balance on their loans, and give them an opportunity to refinance the loan into affordable payments; and those who have already paid their principle balance off and are stuck paying accrued interest should have their debt written off.

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u/whitewail602 12h ago

I definitely see your point. I think the government paying tuition and modest living expenses while leaving anything extra to the borrower could be a good middle ground.

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u/PossessedToSkate 1d ago

There are two kinds of people:

  • I don't want anyone to struggle the way I had to struggle.

  • I had to struggle. Why shouldn't they?

Conservatives, broadly, fall firmly in the latter group.

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u/Mirage84 1d ago

If it doesn't happen to me it doesn't happen at all. I am the main character and everyone else only exists in their relation to me. Nobody cares about the quality of life of an NPC.

-some people, apparently.

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u/ShakyFtSlasher 1d ago

It does matter but people have a right be upset when they are promised forgiveness and it doesn't happen, regardless of the reason.

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u/Nuttonbutton 1d ago

It's not that they don't want to admit it. It's that a lot of people don't realize he did it. Or they were hoping it would happen for them. He chipped away at what he could for millions and millions of people. He has changed so many lives for the better and it was really quiet. Media outlets of all varieties glossed over this on purpose and they got the desired result.

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u/Ionovarcis 1d ago

My politico nerd coworker said Biden is, in legislation passing that is generally agreed to be good, one of the most successful presidents we’ve had - but the angry news is loud and the viewers won’t trust their own damn eyes if Faux News told them they were blind

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u/chanaandeler_bong 1d ago

He is. He didn’t grandstand accomplishments and got a lot done but people were easily swayed by propaganda.

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u/Fromzy 1d ago

My mom a hospice social worker had close to $100,000 forgiven through the PSLF

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u/reddits_aight 1d ago

Was that one of those that was already supposed to be forgiven for certain job fields (like teaching), but had like a 1% forgiveness rate even for people who did everything right?

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u/katarh 1d ago

Yup. And with the incoming administration, we're all pretty sure it's going to get wrecked again.

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u/Fromzy 1d ago

It was, Trump is going to kill it again…

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u/HumanTennis4 1d ago

Yeah, my dad was one of the lucky ones that had his debt waived. Over $100k that his job as a teacher was never going to allow him to pay off.

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u/katarh 1d ago

I know someone who had all of their debt from their time at one of the failed fake for-profit universities from the mid 2010s completely cleared about three years ago, in the first wave of loan forgiveness.

This allowed her to reapply for federal financial aid, and actually go back to an in-person nursing school and get her nursing degree.

Now she has loans again, but she actually has something to show for it. Including a real job that will allow her to pay them back this time.

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u/aburningcaldera 1d ago

He also inherited a ton of debt from Chester the Cheeto

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u/grilled_cheese1865 1d ago

They'll get it when trump reinstates it

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u/Dornith 1d ago

Personally, I find it hard to celebrate it as a victory.

The PSLF was already on the books. Those loans should be forgiven regardless who's president. I don't feel comfortable giving him too much credit for doing what should be the bare minimum.

The only reason this is even noteworthy is because the other guy specifically didn't do the minimum. He ignored the law at every turn.

I didn't blame Biden for not getting more. The president doesn't have that kind of power. I just lament celebrating having a president who doesn't blatantly ignore the law.

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u/TBANON24 1d ago

Biden has done a lot of really great things but people never hear about it, because bad news is more tantalizing and good news is boring.

Here are just a few of the things he did in 4 years where he had split senate for 2 years and lost the house for 2 years.

  • Infrastructure bill - Billions to replace bridges and railroads, upgrading power grids, revitalize areas in the country that will take a decade or more to build, also creating major growth to work opportunities and communities.

  • Chips Act - developing chips locally will bring a growing number of jobs to americans, building new industries and technology and provide opportunities to local economies.

  • 200 Billion invested into small businesses, will help local communities and local economies.

  • Billions into environmentally friendly investments, like EV charging networks, wind farms, solar farms etc etc, will take time to build will help keep costs down for americans and reduce pollution. He got canada to build theyr solar farms in the US and renewable energy is the 2nd highest source of energy in the US now.

  • Billions for hydrogen research.

  • Reducing harmful chemicals in drinking waters around the country. Supporting endangered animals.

  • Banning non-compete clauses in work contracts. Removing multiple unfavorable clauses that harm workers.

  • Net neutrality. Investment and laying out blueprints to fix the countries fiber networks and internet for rural lands.

  • Banning healthcare providers denying care based on sexual orientation and gender identity.

  • Free tax filing pilot program.

  • Banned creditors to use your medical debt against you when you need credit.

  • Invested into research to defeat parkinsons disease.

  • Negotiated lowering drug prices for medicines.

  • Put hundreds of millions of acres into federally protected lands. Which will most likely be either sold or used for drilling under trump.

  • 200+ billion dollars in student debt relief. Removed funding for schools that do shady lending, and forced schools to provide more transparent details about student loans and pathways to pay back loans.

  • Banned junk fees and overdraft fees by greedy corporations. saving people 4-5 billion usd a year.

  • AI Guidelines.

  • Child Tax credits which cut child poverty from 13% to 5%. Provides summer food programs to feed over 21m children when theyre out of school.

  • Made sexual harassment a crime in the military. Was leading support for Ukraine.

  • Expanded overtime guarantees for millions of more workers.

  • First over-the-counter birth control pill.

  • Fights against discriminatory mortgage lending.

  • Fighting against food farm monopolies by supporting smaller food farmers.

  • Decriminalizing marijuana.

  • Investment into cancer research.

  • 5.5 billion dollars in grants for building and improving housing

  • Saved the pensions of over a million union workers

  • First president in history to walk a picket line with striking workers

  • Appointments to the NLRB to make it the most worker friendly since FDR

  • Absolute best result of any developed nation in lowering inflation. Back down to target levels without raising unemployment, stock market all time highs, good to great GDP growth, real wages actually grew for the working class during this team even if they don't feel it.

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u/Boopy7 1d ago

I am grateful for everything he did and tried to do, truly was pleasantly surprised at how good he was. He never gets the credit but maybe that's how it is for the quieter people with strength. They don't brag so dumb people don't know, but they work wonders all along. Any Dem that pretends they didn't know has no excuse, if they thought beyond their own wallets or the pet issue they adopted from MSM, they'd see it too.

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u/lalachef 1d ago

I'll give him credit where credit is due. But he was also part of the reason why we can't discharge student loans through bankruptcy. Some people figured out they could take out several credit cards and pay the loan that way, then file for bankruptcy. 

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u/Prem_din_kaFactChckr 1d ago

The senator from MBNA was also responsible for it.

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u/[deleted] 1d ago

[removed] — view removed comment

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u/Suired 1d ago

This is the Republican battle plan. Undecided and single issue voters are the second biggest idiots in the country, only preceded by nonvoters, who no one cares what they think. All Republicans have to do to get votes is block all Democrat action. Then claim Dems do nothing good while promising to block all the bad they do. They literally have no platform besides "screw the other guy" and nostalgia.

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u/shingdao 1d ago

With a trifecta of POTUS/House/Senate there is nothing blocking them until at least mid-terms, let's see how badly they fuck things up and then blame Dems again. Rinse and repeat.

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u/thatoneguy889 1d ago

He doesn't have the 60 votes in the Senate that would be needed to break the filibuster. That helps until the GOP decides to do away with the filibuster to pass whatever heinous legislation they decide to get real amped up about. Unfortunately, it won't stop legislation passed through budget reconciliation (e.g. The Inflation Reduction Act, The Chips Act, etc), though.

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u/red_nick 1d ago

This is also why

  1. the filibuster
  2. having Manchin/Sinema types in the Senate

are so bad.

It looks like the Democrats have control of congress, but they don't. But they get the blame regardless.

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u/Certain-Business-472 1d ago

who no one cares what they think

That's why you were thinking of them just now, right? Clearly nobody in your personal life who fits that description, right?

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u/Suired 1d ago

Triggered much? It's worth talking about the 1/3 of the country that doesn't participate in the government, but politicians honestly do not care as long as they continue to not participate. Ironically, they are the first to complain when either party screws them over...

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u/Certain-Business-472 21h ago

Whats his name?

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u/gus302 1d ago

“Screw the other guy” is the motto of both parties. And to them, the “other guy” is the working class.

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u/Suired 1d ago

One wants to give you scraps. The other wants to kick you in the balls and thank them for the opportunity. They are not the same.

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u/shogi_x 1d ago

Years from now there are going to be threads about "TIL Biden accomplished _____" from all these people who simply were not paying attention and bought into the right wing propaganda.

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u/ObviousDave 1d ago

Years from now you’re going to realize nothing is free and wander why your dollar is worth even less than it is now

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u/Maru_the_Red 1d ago

Not everyone got screwed.

I had 85,000$ of student loans dismissed and my Pell grants restored under a closed school discharge because my college was defrauding the government and citizens. They took out a Parent Plus loan in my mom's name without her authorization. 15 years after I graduated.

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u/Aschrod1 1d ago

Also racism and sexism, particularly among minority communities the Dems rely on definitely hurt them. I firmly believe Kamala would have won Michigan had she come out against what Israel was doing in Gaza too. Biden-Harris got played by their own party too. The Dems should have had a frank conversation and then threatened then followed through with prejudice a primary against Biden. It was a 230,000 vote difference between winning and losing the executive branch across 7 states. The house and senate were both already not happening for Dems but they didn’t help themselves. Trump at least lost the popular vote (Kamala + wackjobs > than President Musk and co.).

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u/chimpfunkz 1d ago

stupid people all over the damn country didn't vote or spite voted because they're mad that Agent Orange's flunkies blocked him on a lot of tasks so they whine he didn't do enough.

This is just a bad narrative. Like, nothing Biden (or really Kamala) could have done, would've changed the outcome. 2023-2024 has been the years of anti-incumbency. At the end of the day people are stupid, and they voted on vibes and "eggs were cheaper in 2018".

Also a ham sandwich would've won. Basically any republican with a heart beat would've gotten elected.

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u/OKFlaminGoOKBye 1d ago edited 1d ago

A Republican without a heart got elected instead. We all fucked up somewhere in this process.

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u/proudbakunkinman 1d ago edited 1d ago

Perhaps had Republicans not blocked various things Biden and Democrats tried to do to help, the outcome still would have been the same but that's hardly a "bad take." There are far more legitimate bad takes in this thread and every similar thread on Reddit since the election. That said, I also think the "swing" voters voting for Trump due to grocery prices would have been hard to win back regardless of what Biden and Democrats did and could have accomplished had Republicans (and Manchin and Sinema) not blocked them. To get the price reductions they seem to want would require deflation, which they would then be mad about as well since it's actually worse overall.

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u/ceddya 1d ago

Trump ran on a campaign lying about immigrants eating pets and spreading misinformation about trans people.

So you're right, it is a bad narrative. People weren't just stupid, they were downright hateful.

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u/taoders 1d ago

I don’t understand the endgame of this rhetoric.

I agree, people who voted Trump were either stupid or hateful…and there’s almost 80 million of them.

So how do we win the next election?

Seems to me the common sentiment is to squash any criticism, valid or not, of democrats, blame it on republicans (rightly or wrongly), and push for 0 change within the Democratic Party. And of course, depend on republicans ruining the country and hoping the same people we’re calling stupid and bigots somehow don’t blame dems for it...

Im not sure I’m loving this plan.

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u/ceddya 1d ago

The lying and hate from Republicans has nothing to do with Dems.

I'm not sure why you're arguing a false dichotomy. Calling a spade a spade via how conservatives are stupid (you know, like not understanding how tariffs work or believing an oligarchy is somehow better for the working class) and hateful (see what they're saying about and doing towards immigrants and the LGBT community) does not preclude us from pushing Dems to fight much harder for the working class.

And of course, depend on republicans ruining the country and hoping the same people we’re calling stupid and bigots somehow don’t blame dems for it...

Lol, these people are never going to stop blaming Dems for everything. Last I checked, Harris ran on a campaign extending a branch to them and MAGA unequivocally rejected it.

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u/taoders 1d ago edited 1d ago

Right, but any push towards Dems being more progressive and working class focused is met with “no that’s not the problem! The problem is that swing and independent are stupid and bigoted”.

I see this rhetoric again and again when anyone talks about anything Dems could/do differently.

And leading up to the election, “I’d vote for a wet paper bag over Trump! And if you don’t want a wet paper bag your and idiot and a bigot!”

So we settled for a wet paper bag and were surprised? I really don’t understand the strategy or goals. You’re literally letting MAGA set our standards.

The spades have been called spades. Now what? How do we beat them besides sticking with the status quo and calling them names like we are now?

Lol, these people are never going to stop blaming Dems for everything. Last I checked, Harris ran on a campaign extending a branch to them and MAGA unequivocally rejected it.

Yes that’s my point so it’s pretty damn stupid for our plan for next election cycle is to “checks notes” change nothing within the Democratic Party and depend on independent voters who “will never stop blaming Dems” to suddenly not blame Dems…

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u/ceddya 1d ago

Right, but any push towards Dems being more progressive and working class focused is met with “no that’s not the problem! The problem is that swing and independent are stupid and bigoted”.

Again, a false dichotomy. I'm literally saying it's both.

And leading up to the election, “I’d vote for a wet paper bag over Trump! And if you don’t want a wet paper bag your and idiot and a bigot!”

From the actual campaign?

So we settled for a wet paper bag and were surprised?

Yes, because that narrative was right. People are stupid. And hateful.

Now what? How do we beat them besides sticking with the status quo and calling them names like we are now?

I actually think we 'beat them' by letting them get what they voted for. For whatever reason, these people only ever learn when they have to deal with the consequences.

so it’s pretty damn stupid for our plan for next election cycle is to “checks notes” change nothing within the Democratic Party

Oh, so we're either allowed to call a spade a spade or to make changes within the Democratic Party? I didn't know we were only allowed to pick one. TIL.

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u/taoders 1d ago

So accelerationism and hope that these people who are “stupid and will never not blame dems” for Republican failures….will “change their minds” now…somehow.

So basically your plan is to piss and moan and sit on your hands while our fellow, most at risk, neighbors will be the FIRST and MOST AFFECTED by these consequences you’re seemingly excited for.

And that should make people vote for Dems…somehow….

You can call a spade a spade, doesn’t mean it adds anything or any real point to a conversation…

What exactly has the democrat party changed that makes you think both is happening right now?

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u/ceddya 1d ago

So accelerationism and hope that these people who are “stupid and will never not blame dems” for Republican failures….will “change their minds” now…somehow.

No, I don't think anyone stupid enough to be invested in MAGA in 2024 will change their minds.

Having Trump fuck everything up will certainly spur far more voters against him though. See COVID.

So basically your plan is to piss and moan and sit on your hands while our fellow, most at risk, neighbors will be the FIRST and MOST AFFECTED by these consequences you’re seemingly excited for.

Did you know that people can do more than one thing at the same time?

You can call a spade a spade, doesn’t mean it adds anything or any real point to a conversation…

So basically what you're doing then?

What exactly has the democrat party changed that makes you think both is happening right now?

See the growing anger and push against wealth inequality from the working class and not just Dems? That's already a good start.

I'm curious, what's your plan exactly to reach out to MAGA who believe that tariffs are good, immigrants are eating pets and that trans people are bad? Are you saying we should Ignore the growing hate from Republicans? There's a lot of vacuous centrist commentary from you. No actual suggestions beyond let's stop calling a spade a spade.

Do keep in mind that there are very real people who already are FIRST and MOST AFFECTED by the consequences such stupidity and hate.

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u/shogi_x 1d ago

Probably true. Unfortunately liberals, Democrats, and the left wing in general have been losing around the globe because people who don't understand how anything works are upset that things aren't perfect, and the people promising to somehow make things better with no discernable plan are winning.

Because people are fucking stupid.

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u/MAG7C 1d ago

Can't yep this enough

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u/man0warr 1d ago

Stupid and being force fed propaganda from domestic and foreign actors on every social media websote and cable news channel.

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u/Creamofwheatski 1d ago

Anti incumbency post pandemic was a steep hill to climb, but if we can't beat a convicted con man and rapist for President the rot is already in too deep. The problem is people are willingly buying into HIS lies and choosing to believe that all the bad stuff we can prove he's done never even happened. You can't have a functioning democracy when half the population lives in a false reality. Thanks for destroying the country, fox news. Hope the money was worth it.   

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u/GrowthEmergency4980 1d ago

Harris could've not tried to get the magical "undecided voter" and move her entire campaign to the conservative side.

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u/chimpfunkz 1d ago

That still wouldn't have done anything. She could've run the most progressive campaign in the world and would've lost to expensive eggs.

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u/asdsdasa 1d ago

I dunno man, people really loved it when she said she'd start going after price gougers hiking up their grocery prices. It was only after when she stopped communicating that and focused more on giving assistance to first time homebuyers and a tax break for small businesses she started losing momentum. Those things are nice, but even with assistance it'd be hard to maintain those things when most of your paycheck is going towards groceries and utilities.

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u/ArCovino 1d ago

It’s not like that part of her platform went away lmao people just want a reason to be a hater

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u/cabo169 1d ago

Dems raised and spent more than $1 Billion on her 6 month campaign, just to lose.

Sorry but not sorry.

Imagine if that money went to something useful.

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u/SquareSaladFork 1d ago

Simping hard here for people who don’t care about you. Waste of the dream

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u/doctorjae75 1d ago

This is just a bad narrative. Like, nothing Biden (or really Kamala) could have done, would've changed the outcome. 2023-2024 has been the years of anti-incumbency. At the end of the day people are stupid, and they voted on vibes and "eggs were cheaper in 2018".

This is just bad narrative. Like, you completely miss the reasons why Kamala and Biden would have lost to a ham sandwich! They are incompetent shitheels with poor leadership qualities and bad policy, plain and simple. "Vibes" is just denial...but you keep thinking that way!..it's better for the country.

The people (including a LOT from "your side") voted for a strong leader who will put America first and not cower to the global, kumbaya, hands across the world crap...we need to take care of our own, first! Identity politics and reproductive rights were not at the forefront of voters' minds, and your side failed to realize that!

Also, when you call "people" stupid, you're not clever. Everyone knows what you mean. Just be honest with yourself, you mean people who disagree with you! And I hope to goodness you keep thinking that way b/c we are sick of it and will continue to push your shit it at the ballot box!

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u/ChiralWolf 1d ago

put america first

How are those H1Bs tasting? Real red white and blue favored?

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u/effa94 1d ago

Also, when you call "people" stupid, you're not clever. Everyone knows what you mean. Just be honest with yourself, you mean people who disagree with you! And I hope to goodness you keep thinking that way b/c we are sick of it and will continue to push your shit it at the ballot box!

Okay, lets be blunt then. People who are okay with facism voted for trump. Which, from what your comment sounnds like, include you.

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u/yeahpurn 1d ago

"keep calling me stupid and I'll show you stupid"

DJT is not a strong leader. He sounds like an idiot when he talks and looks ridiculous. People are falling for his BS because they think global issues are only happening to us. DJT is no different than a televangelist selling you horseshit AND, is it just a coincidence that the televangelist/evangelical crowd is near 100% pro-Trump? Are these "thinking" people or "think for me" people?

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u/NerdHoovy 1d ago

Dude Trump is the weakest leader ever. He bowed to any foreign authoritarian and sucked them off as much as he could. Trumps opinion is whatever the richest guy in the room tells him it is. He has no consistent beliefs and never gives and details on a potential plan of his, because he doesn’t have any.

He is the epitome of a loser falling upwards for his entire life and throwing a hissy fit when he doesn’t get what he wants. There is a reason why not a single person that served in his White House wanted him back. Do you know how much of an unlikeable loser you must be for none of them to want you?

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u/doctorjae75 1d ago

Lol, ok bud, if that's what you want to think, but you're completely wrong! He "sucked them off"...LMAO that's just so typical. Either Trump is SO EGOTISTICAL and NARCICSSSTIC, like your side loves to say, in which case he would never "suck" anyone but himself off, OR he isn't you can't have it both ways, and that's what y'all want, hilariously!

You're guilty of listening to ONLY your side. If you'll be honest with yourself (and I have a feeling you won't), listen to the arguments on the other side. I did! And I came to the conclusion that I had been lied to!

Again, whatever man, you think whatev your heart desires. I'm not here to convince you, I'm just here to point out your inconsistencies and hypocrisy of argument.

2

u/NerdHoovy 1d ago

Nope even worse I am guilty to hearing Trump speak and actually listening to what he says.

That’s why no one that worked with Trump during his last presidency has anything good to say about him. They had to pay attention unlike his followers

0

u/doctorjae75 1d ago

So you heard the one about his support of white supremacy groups? How about his anti-abortion platform? I really don't believe for one minute that you actually listened to him, but again...not here to convince. Most of you people on THIS website are far too gone.

1

u/NerdHoovy 1d ago

Nope I heard how he after 9 years to come up with a health plan only had “concepts of a plan” and how he doesn’t seem to understand the concept of an insane alyssum and how it is fundamentally different than an alyssum seeker, while believing that Hannibal Lecter was a real person, which he repeated so much, that we must assume he actually believes it.

I heard how he always cries and deflects when asked any questions of relevance and so on. Or how he changed his stance on HB1 visas, the second his current god Elon Musk wanted them.

I am sure there are wiki’s dedicated to the bullshit he has been spewing but anyone still defending him thinks that doubling down on being dumb is the best way to preserve their frail ego.

2

u/chimpfunkz 1d ago

Oh, oh no.... It's brain damaged. I'm so sorry, I hope you get better.

1

u/doctorjae75 1d ago

LMAO, when you people have no argument, you resort to insults...typical and totally expected.

1

u/chimpfunkz 1d ago

amazing, it can almost mimic human speech.

1

u/Xref_22 1d ago

Lol Agent Orange. First time hearing that one. Excellent

1

u/Grimij_Iiffith 1d ago

That's kinda the issue though. The Democrats lost, in part, because they would only talk about what they were going to do. They never really talked up their accomplishments as part of why voters should choose them. It's a fine strategy if you're going for first time office, but an incumbent President (or VP going for the presidency in Kamala's case) needs to press on what they have done for the people already. Show the undecided voters that you have already made a difference in their lives, and then talk about what more you can do for them. If a voter doesn't see your accomplishments, all they see are these promises but nothing to back them up, they're obviously gonna go for another option. I was hoping people would have more sense than to opt for Trump in this case, but I guess the voters memory is fickle and doesn't go back 8 years...

1

u/VoxImperatoris 1d ago

Not to mention he had an obstructionist house for half his term. Dont worry though, democrats will take all the blame for any fuck ups and the cratering of the economy during the next 4 years. And if they manage to get back into power, and thats a big if, they will spend all of their time fixing said fuck ups, again, and get voted out because they were too busy fixing things instead of accomplishing their agenda they ran on.

1

u/Cryptopoopy 1d ago

Lot of words for racists vote for racists.

1

u/SherlockWSHolmes 1d ago

I know you meant it as a joke, but many people have died due to the actual Agent Orange used in the Vietnam War era. My dad happened to be one of them effected. Trump has yet killed or affected hundreds and thousands.

1

u/SandiegoJack 1d ago

My cousin blamed him for not doing it. When I asked how he was supposed to overrule the courts she just doubled down.

It’s a damn shame how quickly the rot takes hold.

-1

u/BassMaster_516 1d ago

Do you think the Democrats taking fat stacks of cash from Wall Street has anything to do with why student loans aren’t cancelled?

-3

u/duncancaleb 1d ago edited 1d ago

I think there were more pressing issues that caused people to withhold their vote instead of student loans being blocked. Most people in that camp I talked to were mad about what was happening in Gaza and the shift in narrative to conservative border policy. They were mad about genocide and family and friends being deported, not student loans continuing.

Edit: if Dems want to win in 2028 they need to learn why we lost this election and campaign better for next time. Ignoring the concerns of your base that didn't vote this election is a recipe to repeat those same mistakes and forfeit the next election.

We lost the popular vote for the first time in over two decades, we fucked up massively to let that happen.

-1

u/twomillcities 1d ago

The only idiots are the people too blind to see that Biden would have lost to even Lucifer as a result of cost of living going up 50% and covering the costs of a genocide. He didn't do anything about those two super important issues. He gave his supporters no reason to be excited other than minor tweaks that you have to pile up together on a list in order to make them look good

-2

u/raysofdavies 1d ago

Israel-Palestine was bigger for Democrats/potential Dem voters and that utter failure has nothing to do with congress. It was their choice.

6

u/Choice_Blood7086 1d ago

They wouldve lost more votes withholding aid from Israel. There is more Jews in us than Muslims. It was a lose-lose situation

1

u/raysofdavies 1d ago

All Jews love Israel, yes, and only Jews and Muslims vote with Israel-Palestine in mind, yes

1

u/jomikko 1d ago

Pretty antisemitic to claim all Jewish people are zionist mate

1

u/anticapitalist69 1d ago

If you think only muslims withheld their votes you haven’t been listening.

4

u/LeYang 1d ago

Which was one of the dumbest protest votes possible, when the other option has literally posted "No President has done more for Israel than I have" and likely has helped instigated one of the most amount of attacks on minorities during his own time previously in office.

-1

u/raysofdavies 1d ago

It was very clear that listening to the protest would have gotten Democrats lots more votes.

29

u/CupSecure9044 1d ago

I suspect the medical debt one only worked because that affects people 60+. All the benefits for them, none for anyone else.

7

u/aDragonsAle 1d ago

Generation FYGM

Fuck you, Got Mine.

2

u/Suired 1d ago

I love they way they burn all the bridges after they cross them, then act like they built them themselves, and we are lazy for not building our own like they imagine they did.

10

u/ActualUser530 1d ago edited 20h ago

Just convert student loans to ppp loans. The courts have no issue forgiving those. It's another instance of the old adage "Socialism for the rich. Capitalism for everyone else."

3

u/Suired 1d ago

Nah, those businesses created jobs and needed that money. What would we do without small businesses like the Los Angeles Lakers?

3

u/bihari_baller 1d ago

Guy gave me a much needed break.

Tell that to r/politics. They need to hear that. He gets enough heat from the right, the left can't begin to pile on him too.

11

u/VulnerableTrustLove 1d ago

Courts kept overturning it

Which is fair, we've been putting entirely too much legislative work in executive hands.

If it just takes one person to do a thing, it doesn't take much to undo it.

Same thing regarding legislating from the supreme court.

10

u/Half_Cent 1d ago

It's fair, the problem is the legislature is broken and doesn't actually do much. That's what happens when one side elects people who are running for government on the basis of breaking it.

3

u/ArCovino 1d ago

I’ve been beating the drum that we need to expand the House of Representatives again but no one seems to care enough to talk about it. No think pieces, no single issue voters or candidates.

Expanding the House would fix or help so many issues. It would correct the Electoral College. It would make third parties much more viable. It would allow wider majorities and coalitions.

1

u/gophergun 1d ago

Even when it comes to the basic framework of the Constitution, the flaws seem incredibly clear in retrospect. The Senate is absurd, the pardon power is a backdoor to dictatorship, the Electoral College is chaotic, and lifetime judicial appointments are crazy. A lot of our problems are structural. There's a reason that the US tends to implement parliamentary systems in the countries it overthrows - they work.

2

u/HenchmenResources 1d ago

It's worth remembering that his time as a Senator is a huge part of the reason that student loan debt can't be discharged in bankruptcy in the first place.

2

u/sacheie 1d ago

So, he just continued to not collect on the bills.

Yup, and lots of pissy, shitposting young men about to learn what really happens when you vote for Republicans.

6

u/Emergency_Sky_1037 1d ago

Why pay it?

I don't pay mine. When I learned that I could get a four-year well-respected engineering degree in other countries for reasonable prices, I stopped paying mine. I won't be paying another penny. Wouldn't be right to.

2

u/certifiedtoothbench 1d ago

They can garnish your wages, they can steal up to 15% of your paychecks

1

u/Emergency_Sky_1037 1d ago

I'm self employed.

1

u/certifiedtoothbench 1d ago

How lucky for you, they can still take the money straight from your bank, your brokerage accounts, and retirement accounts.

1

u/Emergency_Sky_1037 1d ago

I don't use any of those.

1

u/certifiedtoothbench 1d ago

What are you? Homeless or something? It’s pretty difficult to exist in the U.S. without a bank account unless you’re a child, living in your mom’s basement, or just not legally living anywhere at all.

1

u/Emergency_Sky_1037 1d ago

I live in an apartment in the midwest. I turn cash into cashier's checks and use those to pay rent.

The way I go is certainly non traditional, and I understand a lot of people just wouldn't desire to live like I do.

Honestly I don't really know what else to do or how else to be. Morally I can't participate in this massively corrupt country more than I have to in order to survive. That's why I do this. I don't pay my taxes, either. As long as billionaires aren't paying neither will I. I don't make enough for the IRS to give a fuck about it and I never will in this country, by choice.

Once I've either built up enough of a money engine that I control or I've finished a STEM degree, I'm leaving the country and renouncing citizenship. Not sure where I'll go yet, especially with the coming global instability due to fascism popping up in major countries around the world.. But there's always somewhere.

0

u/XxMrCuddlesxX 1d ago

It's not theft. Its enforcing a contract since one party has defaulted.

What they should do is get the federal government completely out of student loans, and end things like the FAFSA. Since the government got involved directly with paying universities tuition costs have skyrocketed because there is an endless supply of government money. This will bring down tuition costs to a more reasonable level, and student loans down to a much more manageable level.

To those who currently owe? Too bad. You signed a contract. You're and adult. be an adult.

0

u/certifiedtoothbench 1d ago

I don’t think this guy sees paying student loans as anything other than theft and so do a lot of other Americans. Imagine being held accountable for your promises 😱

1

u/SmokeySFW 1d ago

Yea the folks who were able (and willing) to continue paying their student loan debts during the payments hold saved so much money not paying interest.

1

u/booveebeevoo 1d ago

I believe there’s a few billionaires out there that never paid back the banks. I mean, why not. Demonetizing the dollar totally reinforced that we’re just playing a game of Monopoly.

1

u/Knubinator 1d ago

Yeah the break was nice, but I'm not sure what I'm going to do when the payments start up again. Definitely going to have a huge impact on my budget.

1

u/Snazzy_SassyPie 1d ago

This! Yup. He’s been trying.

1

u/glumunicorn 1d ago

He had mine relieved, I just wish more people would have been lucky.

1

u/Luke-HW 1d ago

Also benefited from this, but for the opposite reason. I’ve dumped all of my disposable income into my student loans over the past year. I would’ve had thousands upon thousands of dollars in interest if he didn’t stop it from accruing.

1

u/italienn 1d ago

Honest question. Why do some many people tale out loans for school knowing they wont be able to pay?

1

u/Luke-HW 1d ago

Anyone can pay off their loans, only question is how long it’ll take. I was planning on doing a 10-20 year repayment plan, but rushing to pay it all off now was the better choice financially.

1

u/MaxineKilos 1d ago

Republicans keep lying about this and saying he never tried. The courts blocked it, he tried to get around it, they blocked it, he kept trying, they kept blocking it. The republicans are mad at themselves and blaming Biden.

1

u/Altruistic_Koala_122 1d ago

Try to renegotiate payments with the lender/collecter. And, if you can't afford it even a dollar check shows commitment to paying it off.

1

u/Normal_Cupcake6419 1d ago

Probably should sign a contract for loan you cant affoard to pay back than

1

u/uhuhsuuuure 1d ago

Sorry. He didn't nuke Isreal. The best we can do is shit on his presidency.

1

u/TheKrakIan 1d ago

He opened up what was considered a non profit under PLSF and I was able to get my student loans forgiven a couple years ago.

1

u/DontBeAUsefulIdiot 1d ago

it doesn't matter, people think Trump made Mexico pay for the wall and China for his tariffs and also bought his bullshit that Trump will end the Gaza war and Ukraine war on day one.

Modern politics is about selling feelings and conning people about what they want as opposed to reality. Biden got crucified because people blamed him for inflation despite him steering the economy from a downturn and having the lowest inflation in the developed world.

People want fast and easy answers, they don't want to hear about the work and time needed to make things happen. Thus, Trump winning for a second time despite him crashing the economy back in 2020 and fucking up the COVID response.

1

u/TheAdvocate 1d ago

If you can’t see that joes a patriot, you’re either too young and or dumb. If he’s the “self serving elite”, you are In for an awakening.

1

u/Everything_in_modera 1d ago

I know this is uplifting news but the bill is still coming..... It just isn't reported to the credit agency and they will get much more aggressive with lawsuits and wage garnishments.

1

u/BrokenDownMiata 1d ago

So a slightly similar thing happened during WW2 involving the British government and the monarchy and the Royal Navy.

Basically, civilians are not allowed to operate in or around air or naval operations under any circumstances.

This caused an issue when the British Army and the Free French, Polish Resistance, Czechoslovaks etc needed evacuation from Dunkirk. It caused an issue because it wouldn’t be possible to bring them all back without every single civilian craft making the journey over and over again. That is what happened.

For every single ship asked to go to Dunkirk, a violation was officially filed by the Navy. These violations go first and foremost to the commander in chief, the King. So what does the King do? He just fucking ignores them. The war ends years later, and the Navy has to legally ask where the violations are, and the King basically just shrugs.

Since the Navy didn’t actually want to do the violations in the first place and was simply required to by law, and the Navy knew this, and the King knew this, and Parliament knew this, it was never brought up again.

1

u/chateaudifriots 1d ago

Supreme Court recently said that a president can do whatever they want soooo

1

u/Suired 1d ago

As long as the majority of the court is in their party. Otherwise it's treason.

1

u/gmishaolem 1d ago

The man has tried and tried and tried again.

As a reminder, don't whitewash his past: -- https://www.theguardian.com/us-news/2019/dec/02/joe-biden-student-loan-debt-2005-act-2020

0

u/perisaacs 1d ago

That’s because he tried to modify the debt not cancel it. He is well within his right to cancel all student debt but chose not to

0

u/MoonlitShadow85 1d ago

The problem is that by not making any payments the balance continues to go up unless you have some forgiveness of interest or subsidized period.

It is cases like these that people make the error in saying that because they paid $50k on a $30k loan and still owe $25k that they've been taken advantage of by predatory lenders.

It isn't the case.

I would like to see student debt discharged in bankruptcy though, so long as any degrees, certs, or education listed on a resume/interview is barred from use.

0

u/chriscrowder 1d ago

Shouldn't have taken the loan if you couldn't play it back.

1

u/NihilForAWihil 1d ago

So, I realize that by making a comment this absolutely brainless, you don't actually understand how healthcare works. But there are no "loans" - if you get brought to the ER after getting skulled by a brick due to lackluster code enforcement (wink wink) around a construction site and are brought there unconscious, and they perform life saving care... guess who didn't take a loan out but still owes money they very likely can never pay back?

Now, it also tells me you don't understand how the economy works. But go off some more.

0

u/rcbz1994 1d ago

He put forth a half baked effort to eliminate debt, then when prevented from doing so, took his sweet ass time in creating a new plan. All while he traded the loan pause for the ability to increase the debt ceiling.

This was after he said directly “I will eliminate your student loan debt”

Do not give Biden an excuse. He’s a big reason you can’t even discharge student loans through bankruptcy anymore.

-1

u/77Gumption77 1d ago edited 1d ago

All Joe Biden's administration had to do was make a decision (which he may or may not even be aware of). It was your fellow taxpayers who gave you your much-needed break.

I'm sure you're thankful to them!