Friday, April 3, 2015

Why Are Only Our Children Held Accountable?

                                                           "February 5, 2016"

I don't want you to think I have stopped writing,..........................but this post
                                                                          
                                   "Why are only our Children held accountable?"

First I want to tell you I don't think our children's education should be free there has to be cost associated with their education to have value. By this I don't mean it has to be about dollar and cents. It's much more important than that it's about rebuilding a education system that is outdated..that's broken,, and which it seems by the sky rocketing cost of tuition has been corrupted to it's very core. Please don't misunderstand me I know there 100's even 1000's and 1000's of  individuals doing amazing things to educate our children that a band aid will no longer fix.When 1 in 7 in our great country can't even read this is completely unacceptable! We need a  education system that works from the bottom up not from the top down!We have to help all children in America first learn how to read!                                http://www.huffingtonpost.com/2013/09/06/illiteracy-rate_n_3880355.htmlhttp://www.huffingtonpost.com/2013/09/06/illiteracy-rate_n_3880355.html

This needs to take place before we even start talking about the $1.3 trillion student loan debt that is growing at a rate of close to $3000 A SECOND! as reported by Market Watch  http://www.marketwatch.com/story/every-second-americans-get-buried-under-another-3055-in-student-loan-debt-2015-06-10 !

I promise  if you share this post with your friends and  more importantly your Congressman and the President then have each to justify the Political Cronyism and all the waste....... and all the tax breaks given to corporations that pay little or no taxes while shipping our jobs overseas and then sending their huge ungodly profits off shore.
I promise you there are real solutions to affordable education in America, but first our children have got to become more important than the huge unethical profits being off our children's backs!


I want you to know that I started this blog, because I saw there were no real solutions to the very real problems of the out of control student loan debt. And now it's 5 years later an a student loan debt that when I started was $850 Billion ..that's with a "B" has now grown to an estimated $1.3 Trillion  and that's with a "T"! Can any of us truly wrap our heads around this amount of spiraling out of control student loan debt? I know I can't, but I know it's wrong.... it's terribly wrong that we are loading down our children with an ungodly amount of student loan debt... who are the very future of our great nation.

I grew up a conservative from a very early age mainly because my father was involved in politics. My father retired from the military after 20 years serving our great country. He could not sit still so he and my mother started a Garden Center and Trucking Business, and the hours were long and hard. But my father made the time to make sure our political system was working for the people. My Dad was the Chairman of the Republican Party in Buncombe County Asheville,N.C. Dad was fondly called the little general, because of his true dedication to make sure our government was working for the American people.

I tell you this because I have not changed into a liberal or libertarian are any other party.I have become an independent. Our 2 party system is broken, and has become corrupted to the very core.
When our country's last Mid-Term  Election cost an estimated $4 Billion, and now just in case you were unaware, or may have forgotten with the new Supreme Court rulings the next Presidential election is being said could double the estimated $7 Billion spent in 2012...can you imagine $14 Billion...how can these amounts of money be justified? Please I have added a link below Congress ratings approval are so low won't calculate ?!

I'm going to continue to add to the links below.....then let's talk about wasting taxpayer $$!!

Corporations in America pay virtually no taxes?

Too Big Too Fail?

Still waiting for the first executive from our 2008 financial meltdown to go to jail?

University Presidents now making $Million salaries to be the Universities promoter?
Shirley Ann Jackson Rensselaer Polytechnic Institute Troy N.Y. Total compensation$7,143.312!!!
How can you justify this salary and compensation??????.... Please Shirley tell us

I love college football but, again it's become big business at our Colleges and Universities
depending on the sport less than 2% and more realistically less than 1% will even have the chance to become professionals! College athletes greatly overestimate their chances of playing professionally.
Why not pay the players a percentage of the huge profits generated along with a personal mentor to help invest their money while in college.Also the athletes that do make it to the pros with the multi-million signing bonus should give back say 10% of their bonus money to a fund set up for this purpose remember their teammates played an important role in few that do make it to the pros.This is a small price to pay, because college sports have allow the 1% or possibly 2% this once in a life time opportunity.Think about these student athletes being able to come out of college with a degree and the seed money to start their own business hopefully back in their own community. Now this is an investment in the future of our children and a true stimulus program to help our great country economy start to prosper again especially in our poorer community.  
I know this would be very difficult, but we just need a couple of schools to step up a then set up a "Pilot Program" first and say this is the right thing to do for children. Our inner cities are crumbing before our very eyes.Think about the farmer's son  football ability what that would mean to be able to start his own farm, or whatever his dream may be The list just goes on and on......

We have allowed our  Colleges and Universities to make $Millions...some looking at $Billions in Television contracts.      Our children have got to come 1st.......not the huge profits....  when are we as a nation going to demand this?

How the SEC Became the Richest Conference in ... - Business

business.time.com/.../how-the-sec-became-the-richest-conference-in.


Now look what has happened...   How is this even possible...political cronyism is my answer
The NFL a Non-Profit?...... with  Commissioner Roger Goodell making a estimated $35 Million !

 The NFL is no longer a Non-Profit they relinquished the designation of a Non-Profit  A petition drive  by Lynda Woolard of New Orleans, La and Change.org   Statement made has become too much of a distraction of the day to day operations! I hope this will show you....... when we speak with "one voice change will happen" !

Harvard endowment estimated  at $36.4 Billion?  and endowments of over $1 Billion at 90 other Universities? Why are these schools not creating their own non-profit banks and providing low fixed interest loans to their students? I believe tuition would start to go down if the schools were responsible for their own loans.This would help to make these Universities self-sustaining where our children again become the #1 reason for the school being in existence.

Now keeping on  same thought as endowments.The for-profit schools that are nothing more than just corporation money makers where the profits are more important than the student.Why couldn't theses corporations provide fixed low interest loans to their own students? Checks and Balances  where the schools are now responsible if they are to be self-sustainable or forced to closed, The for-profit schools can not longer take advantage of those that can not defend themselves, because their student loan consumer protection rights have been stripped away by congressional  political cronyism.

I believe in our free market economy,but the system has been rigged.I know there is a cost to education,but it should be affordable and available to every child.




Does something stink here?  I know  there is something terribly wrong here..........!

The Worst Our Democracy Has Been In Is Now & Here's How We Got There


https://youtu.be/lxZzmltHkdM       (Please watch this video with an open mind and then decide)


http://bitly.com/1wEUkyX  ...... Congress  is Flatlining! Approval rating .0001

Tax Breaks to Big Business Are a Loser | Mercatus


list of 10 tax-dodging corporations

Tax Extender Deal Is A Handout for Big Business | The New ...

Full Show: Too Big to Jail? | Moyers & Company | BillMoyers ...

President Obama's Taxpayer-Backed Green Energy Failures

Bankrupt companies avoid more than $700 million in..



Then Congress moves to more to more lucrative $$$ Jobs!
There are a few exceptions that still have true integrity to do their job  !


Revolving Door Summary: Former Members | OpenSecrets

https://www.opensecrets.org/.../top.php?

When a Congressman Becomes a Lobbyist, He Gets a 1452

www.thenation.com/.../when-congressman-becomes-lobbyist-...








 


I believe we must work to achieve success. I have program that can be put into to place to bring our college graduates and small business together with a $5250 tax credit that would be a real stimulus program that would jump start the middle class again. The inspiration came a program already in place.. the up to $5250 tuition reimbursement used to send employees back to school, and  also from Andy Bossie and a group of college student from Maine that most would not even benefit from the program that they helped create.The same type student that our own government presumes are going to commit fraud?? ......   I know there is a cost to  educate our children,but it should be affordable for all of our children if they chose to go to college.
.
Our Politicians will have you believe...... that if our children are given back their student loan consumer protection rights. Oh Yes!.... our children student loan consumer protection rights were taking away..along with the harshest penalties, fees, truth in lending requirements virtually non-existent..... ever imposed on an American citizen.!.the same consumer protection rights that each of us as American citizen are entitled to....We are being told we the taxpayer will be paying our hard earned tax $$  because our children are going to commit fraud! Yes our Politicians are telling us that "all of our children" are going to declare bankruptcy, and leave the American taxpayer to pay for their education!...It would have to be "All of our Children" to even be credible,and have merit for the changes Congress  made in the laws to be this extreme. This is all just smoking mirrors so that the these lenders, and student loan debt collectors ( student loan defaults this is where the real crime is being committed to our children!)  and special interest that donated the outrageous sums of money to the politicians election campaign! This so these select few will continue to have a never ending stream of unethical profits off the backs of our children! We have to reinstate student loan consumer protection rights and let the courts decide who is responsible is it the student.. the lender..or the their student loan debt collection subsidiary that adds outrageous penalties,other fees,refinance fees etc...the schools with higher and higher tuition increasing almost yearly and then the fees..fees.and more.fees just look at your son or daughter statement that now the schools have virtually no skin in the game  Weren't we always told if something stinks it's usually is bad!.......... well how does this smell to you?



Please.... Please..... read this link by Alan Collinge founder of Student Loan Justice
(Our views differ on several major points,but on the reinstatement of student loan consumer protection rights we're in agreement 110%!

http://studentloanjustice.org/conprotpic.htm

A great interview by Matt Taibbi

https://youtu.be/nyaYNloqD0U


Easy to read and understand graphic and information piece
This is about where we were are when I started writing about the  $850 Billion student loan debt, which  is now estimated at over $1.3 Trillion and growing faster today than ever before!

 http://www.memes.com/img/227570


https://youtu.be/ZAwBN2Q8L14     Great Video! The Higher Education Bubble !

Bankruptcy holds all sides accountable yes first the student, but also the lender, and student loan debt collector that you should know are for the most part are subsidiaries of the lenders.  Why is this important because more money is going to made off student loan defaults than the actual student loan if changes are not made soon...and oh yes the schools they continue to increase our children tuition's
and have virtually no liability for the loans that they are saddling our children with.



I promise you there are simple common sense solutions to the  estimated  $1.3 student loan debt.

But first! our children have to become more important....... than huge ungodly profits made by a select few



Mr. President and Congress I will leave you with this today



"A baby comes into this world with only hope.....the only gold we will leave this earth with is  our................Word"

Anthony Eller

P.S.
Please sign the petition to reinstate student loan consumer protection rights that have been stripped away by Congress


     http://www.petition2congress.com/…/requesting-cosponsors-t…/PETITION2CONGRESS.COM

Thursday, March 5, 2015

I challenge you to match my $10 Donation This is our Children's Education!


Causes


A message from the campaign

StudentLoanJustice.Org


From Anthony Eller
Alright guys we have over 3000 members and we are leaving Alan with no means to help each and everyone of us......along with our great country's future generations! I will challenge each of you again today to match my $10 donation...If just once everyone would dig deep my math tells me $10 x 3000=$30,000 Alan would not have to wonder daily if he is going to have a place to stay tonight.and could start to give a 110% I know he will to the reinstatement of student loan consumer protection rights.The lenders and special interest are throwing $Millions to keep bankruptcy in place..this is their endless well of outrageous, ungodly profits!!!!!...I'm just challenging you $10? to help give a lot of you your futures back..

I am also asking you the mother or father..the student.. the American Citizen's that are just plain feed-up Please let's give our children their futures back and the chance to one again receive an affordable education.

I have just made the stakes a little higher I donated $20 Who will take the challenge?   
The truth speaks volumes when the American public realizes this... changes will start to happen.....So again who's in!

Please sign the petition to reinstate student loan Consumer Protection Rights and the reinstatement of student loan bankruptcy!

http://www.petition2congress.com/17294/requesting-cosponsors-to-discharge-student-debt-through-bankruptc/

For those that don't know Alan Collinge
was selected as one of seven “Financial Heroes” by CNN/Money Magazine in December 2008.
DISCUSS THE UPDATE
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Monday, February 2, 2015

Urgent Request Please call your Congressman and Sign Petition !!!!


This is from Alan Collinge of http://studentloanjustice.org .

....Alan is in DC to try to bring awareness and support to have our children student loan consumer protections rights on  Federal and Private student loan bankruptcy reinstated..I have been writing my blog for several years and I am now totally convinced the only way to get the now $1.3 Trillion student debt under control is to hold all sides accountable! Please read the argument and then make up your own mind without the spin of the media and Congress please share this post this is for the future of our children

Alan interview on Newsnaxtv

                 

MidPoint | Alan Collinge discusses student loan ... - YouTube




thank you,

Tony

Folks,
There is only one co-sponsor for this hugely important bill atr this point, DEMAND that your local elected representative and Senator Cosponsor this bill, or draft a companion bill respectively,. Be as mean and vicious and surely as you need to be to make sure that they get the point, DO NOT TAKE NO FOR AN ANSWER!!! DO NOT!!!
This is where our job lies, folks. Get up, and get it done. Laziness is not an option folks . I'm doing my part. DO YOURS!!!
Cosponsors - H.R.449 - 114th Congress (2015-2016): Discharge Student Loans in Bankruptcy Act of...
Cosponsors of H.R.449 - 114th Congress...

If your Congressman or Representative give you a NO ask them to justify their stance!

If you haven't read the argument for the reinstatement of both Federal and Private Student Loan bankruptcy  

       http://studentloanjustice.org   Please read for yourself and make up your own mind!
                                                                                                                            


Thursday, January 1, 2015

Has America Forgotten Education is About Our Children?

I believe that America has forgotten that education is about educating our children the very future of our nation, I believe this is because of the unethical profits that are being made from our children's education in America today.

Each and everyone of us shares the blame,because we have just accepted the half-truths and spin that our Congress, and our very own President with the help of a news media that now push out our leaders hidden agenda.Our politicians no longer work for the American people article after article will tell you the politicians that spends the most wins 98% of the time. We as a nation have accepted that's it's justified that our politicians should spent what is reported to be over $4 Billion this Mid-Term Election.

We are losing the very thing that made our great country great the ingenuity and drive of the American people and small business.Our government has made it so difficult to start a small business because not only the laws that now govern small business,but all taxes which now are labeled fees more and more. Our children coming out of college with student loan debt the size of a home mortgage! Why do we not have programs to help our children be able to a start a small business,and use their ingenuity? How can this be possible in the richest country in the world?

I am asking that we start a  real conversation and find solutions to the $1.2 Trillion student loans debt (Fox just reported student loan debt as $1.3 Trillion!),A student loan expert Mark Kantrowitz reported  the student loan debt in June 2010 pasted credit card debt for  the first time the debt $826.5 Billion! Today January 1, 2015 the student loan debt is $1.2 Trillion and is growing faster than ever before. Please tell me you see that there is something terribly wrong.As I have been saying the the student loan system is outdated....it's broken......it's been corrupted

I believe with all my heart and soul the first step is the reinstatement of student loan consumer protection rights the same consumer protections rights that each of us are entitled to as citizens of  the United States of America.Our children are not thieves that are looking for a free ride. How is this so when everyday corporations are using the bankruptcy laws to destroy our great countries small business.

When bankruptcy laws are used correctly it should be about the reorganization of debt and holding all parties responsible for their actions be it the lender, the school, our government  and the student.

I am asking each of us start a conversation with anyone and everyone and let us find solutions to the student loan debt that should have never have gotten to this point.

I want to make sure I'm very clear I know that there are many great educator's that are working long tireless hours to insure our children's education.It's the few that think nothing of destroying our children future to make huge ungodly unethical profits that is also going to destroy our great country if we don't stand up and say enough is enough.

Mr. President and Congress I will leave you with this today

         "A baby comes into this world with only hope...
                      ....the only gold we will leave this earth with is our.......... Word"

     An estimated  $4 Billion spent on mid-term elections ....was there a word of truth spoken?

Saturday, November 1, 2014

"Stuck on Stupid" $1.2 Trillion Student loan Debt

I have been writing about what has now become a "$1.2 Trillion Student Loan Debt" for the last several years.I have taken the position that there are solutions,but first it's going to take all sides coming together an finally realizing that our children are the only future of our great nation.

We have allowed the hunger for power and greed to trump everything that is good about living in greatest free society ever know to man.A country like no other where everyone is given the opportunity to live the American Dream. Well this statement.."The American Dream" has become a cliche,and is now more about the huge profits that are being made off the backs our children.

We supposedly have all these experts in education that have made us the greatest educated nation in the world. I ask you are we really sure this has happened and is still happening today? I believe that first with all my heart and soul we better take our heads out of the sand. We as a nation better wake up an realize that if changes are not made soon the rest of the world is going to pass us by.

Our student loan system is outdated!We have allowed a very few well placed lenders with the help of our very own Congress and the President who's job were never mean to be a career; I was taught from an early age it should be both an honor and a privilege to serve the American Citizens.These 535+1 have made a mockery of our democratic government and all the good it should stand for.

From the Urban Dictionary:     Stuck on Stupid

 A term used to define someone who is stuck in a cycle of endless stupidity when it comes to making decisions. The inability to make good or logical choices.

Congress and the President have offered refinance and interest rates these will help,while once more making even more profits for the loan servicers of our government student loans or the private lenders, but neither are real solutions.


The 2014  Mid-Terms have now officially had a name change to The Mud-Terms after a reported $4 Billion is estimated to being spent on re-elections up from $3.6 Billion in 2012! Our politicians have loss all reality with the average American; another really scary statistic reported now is 76% of our working class now live from pay check to pay check? How is this possible in the greatest country in the world?

I knew when I started this blog I excepted that I would be called crazy and I would be told time after time by the so called experts I didn't know what I was talking about, and at first I didn't know much except that the student loan system has become corrupted.The student loan system on the surface looks and works to some extend,but the motives of the lenders and to our Congress who have become corrupted because of campaign contributions that are associated with the student loans, and now student loan defaults have become all about huge ungodly profits that are being made off the backs of our children. Remember these are the same children that just the year before college were depending on us as parents to teach them the difference between right and wrong.

I need you to answer this honestly how many of our children knew about loans and financing before they were went off to college? Now we as a nation have programmed our children to believe without a college education they could not succeed.Are our college and universities helping to find jobs so our children would be able to pay off their student loans that are growing faster than any other type loans? Has our government created ways to bring small business and graduates together to help kick start the middle class that we are losing more and more every day? And now add  this with the growing student loan default rate that if changes are not made quickly will become more profitable than the actual student loan.

Now place on top of this that our children student loan consumer protection rights have been removed first from Federal and then Private student loans.These are the same consumer protection rights that each of us ...that's You and Me are entitled to as American Citizens.

I think it is important that you know that student loans are treated as the only other exception in bankruptcy which include fraud,felony, and alimony-dodging. Please ask yourself does your child belong in this group?

Just so your aware my children are 27 and 25 and yes they are both young adults, I am extremely  proud of each one of them,but they will always be my children first. I will do anything and  everything to make sure that they are given a hand up not a hand out, and that they are given the opportunity to live the..............
American Dream.......... The question is will you do the same for your children?

I believe with all my heart that we should offer a hand up,but not a hand out to every child.This is an opportunity our own political system and our own government is consciously allowing to be destroyed, because of the thirst of Greed and Power.All for the sake of being re-elected and taking care of a select few ?

Do you remember the smell taste?.... if something smells bad chances are it's bad...well how does this smell to you?

Once again I will leave you with this today

"A baby comes into this world with only hope.....the only gold we will leave this earth with is our Word"

Anthony Eller

Sunday, October 26, 2014

It's called spinning the Truth....$1.2 Trillion Student Loan debt

I will start this by telling you I have done things in my life that I wish I could take back, and have the chance to do all over again. The truth is that can't happen,but I can admit my mistakes,show remorse and work daily to become a better person.This is what I have chosen and committed to do with the rest of my life.

When an individual has a life changing experience and makes this type of commitment it seems that most become very narrow in their views in the way life should unfold.I see this time after time, I have tried not to make this mistake.I promise you  I am far from perfect and I will continue to make mistakes,but what I have tried to do is admit my mistake and move on.

This blog was created to find solutions to the $1.2 Trillion student loan debt. The $1.2 Trillion student loan debt is now become about right and wrong, and what a few are doing to our present and  future generations.I know that this can't be corrected over night,but those responsible can start taking responsibility for what they have done, and continue doing to destroy our children future. .

Greed breeds greed and now it's not only the lenders, but the college and universities,Congress and our own President have the American public believing the idea that there has to be profits made off the student loans it  now seems everyone  wants to make a profit off our children no matter what the cost.There are some things in this life that are not about the profits,and our children education should be first on that list.

After watching the staggering cost of my daughters education, and the way the educational system seems to pick and chose admissions that keeps some very gifted students from the opportunity to enroll at our state universities..... I knew someone had to speak up.

I have also chosen to find solutions and I promise you there are solutions.....but first we have to realize that our children are America's only hope for the future.We has a nation have to invest in the future now.This is now a world economy like it or not and without our children receiving the best education possible.....

this has to happen before rebuilding Iraq and Afghanistan that we have destroyed.Story after story talks about $Billions that have just been wasted.(USA Today) spending nearly $5 Billion a month on the rebuilding of Iraq and Afghanistan? This just one example of the waste and no real checks and balances on government spending

We had this warning from President Dwight D Eisenhower in his 1961 farewell address to the nation about the increasing power of the military -industrial complex.but now it also includes the too big to fail....these are the powers that control Our President and Congress.

I feel I have talked about the reinstatement of student loan consumer protection rights...until I'm blue in the face....
...Our children will become are what they learn from us..... so maybe it's time to look in our own back yard before we speak out on the $1.2 Trillion student loan debt we as a nation know very little about; this is because of the spin that our media and congress have you believing, and find out the facts before we speak about the $1.2 Trillion student loan debt that the scary part is growing faster today than ever before.This now seems just to be the tip of the iceberg..the lenders with our congress help have slowly change the lending laws that now the lender is now the debt collector as well.Why is this important because our children student loan protection rights have been taken away and student loan defaults continue to increase it won't long before more money is made on student loan defaults than the actual student loan

This is a story that has been spun by our Congress and the media that we will be wasting tax payer dollars if we reinstate student loan consumer protection rights, because all of our children are crooks and thieves and they are so lazy that they all just want something for nothing! These are the very same consumer protection rights that you and I are entitled to and protected by as American citizens..................................... Just so you know even a gambler can declare bankruptcy!

Well...... I'm asking you who would our children learn this from...

.......was you the attorney that job is now no longer about right and wrong and true justice, but about who can you sue to get that large settlement ....  so you can collect your huge fee

....was it you the college president that is making $Million salaries.......

.....was it the college administrators that are hired by the colleges and universities  with 6 figures salaries that are scheming ways to take more money from government student loan system and then raising the tuition even higher

.....was it you congressman that had to make sure that lender laws are not changed so you get that huge donation to your re-election fund

......was it the lobbyist and special interest that continue to create advantage laced amendments
added to bills to help the lenders make even more money off our children's backs ....leaving more and more students in debt for the rest of their lives

....was it the student loan lender that schemed with congress, and became the student loan debt collector knowing that if changes are not made there will now be more profits made on student loan defaults than the actual student loan

......was it the corporately owned for profit college that are destroying the lives of our youth and returning military that all they wanted was to live the American Dream

........Mr,President remember that promise you made....is this what you want you own children to remember

......was it the media that spins all the half truths,leaving just enough truth so you can tell yourself your credible

      definition half-truth: A statement that conveys only part of the truth,especially one used
deliberately in order to deceive someone

...........the spin is in and you have been called out!

I will leave you with this today:

"A baby comes into this world with only hope...
.............the only gold we will leave this earth with is our.......word"

Anthony Eller

Wednesday, October 1, 2014

Who Is Responsible for the $1.2 Trillion Student Loan Debt?

I have been waiting to write this post,because deep down inside I thought for sure there would be at least some improvement by now. Nope......just more and more lip service that everyone keeps on saying something has got to done,but the sad fact nothing is being done and our children keep going deeper and deeper into student loan debt.

Bloomberg  August 26,2013 (what do think another year has done to this to this %?)

College Cost Surge 500% in U.S. Since 1985!

While reports show that 76% of Americans now live from pay check to pay check!
http://www.cbsnews.com/videos/paycheck-to-paycheck-how-76-percent-of-americans-live/
Please tell me am I the only one that sees something terribly wrong with this picture?

I started researching the student loan debt about 5 years ago at the time the student loan debt was $850 Billion, I'm 59, but I don't feel that old, and I do believe  my mind is still working. I ask you am I the only one that it seems just like yesterday when you said millionaire you had it made? I make this reference, because
when we talk about these mass amounts of money owed. I know I can't ...can you  comprehend  $Billion...or...... let a lone a $Trillion?

I am going to add this to help all of us comprehend the difference...Our leaders throw these numbers like no big deal! My daughter helps to proof read my post and this is a suggestion by  Ashley:
When you are a million seconds old you are just....11.5 days old.... then to a billion seconds you would now be 31.5 years old....now.... the  next time Our President or Congress talks about it's only a $TRILLION  which adds up to wait...may I have drum roll please........trillion seconds we would be 31,688 years old.So now just imagine at $1.2 Trillion and how far in debt our Children are right this second, and remember the student loan debt is growing faster than ever before!

Now we talk in $Billions and the National debt is some where around$17 Trillion...and again as I just stated above ... while our children the very future of our great country have  $1.2 Trillion in student loan debt and the scary fact is this student debt is growing faster today than ever before.Please tell me when are we as Americans going to understand this is just plain wrong and correct this injustice.

The first step to a solution to the $1.2 Trillion Student Loan debt is the reinstatement of full consumer protection rights of student loans.The same consumer protection rights that each of us are entitled to as American Citizens.When student loan bankruptcy is reinstated all sides will be held accountable  the student...the colleges and universities,..the lenders..the student loan debt collectors... (the lenders who in case your not aware are now for the most part the student loan debt collectors as well.) The lenders lobbyist special interest and our very own Congress slowly changed the lending laws to allow this to happen. Why is this so important because the student loan default rate is now growing so quickly if changes are not made now it won't be long before more money(even larger profits!) are made on student loan defaults than the actual student loans.

I will remind you again that I have been writing about the student loan debt for 5 years now, and I am now more convinced than ever that until full student loan bankruptcy is reinstated there will be no real solutions to the $1.2 Trillion student loan crisis.There will only be short term fixes used to appease the few that truly seem to care ....while other ways are thought up by the lenders and their lobbyist to make even more deceitful underhanded huge ungodly profits off the backs of our children. You may say I'm nothing more than an alarmist...if that's what you think..Please just look a the numbers they don't lie.

I promise when we as a nation understand that education is not about making huge profits! That the educating of our children is about building a strong nation that will be able to defend ourselves in very sophisticated future, because we will continue to have  the world smartest  that will be allowed achieve their dreams.I will also promise you there will be 100's of other ways once this happens to get student loans to an affordable price for the low income, the middle class (if we're able to sustain a middle class) and the rest of America.

But this time.... there will have got to be real checks and balances put into place at all levels.Our colleges and universities  according to political scientist Benjamin Ginsberg " administrators and staffers out number full-time faculty members" more and more  the emphasis is placed on the student loan more so than the students!
College is ripping you off:Students are cash cows and the Schools are the Predators by Thomas Frank

http://www.salon.com/2014/10/01/college_is_ripping_you_off_students_are_cash_cows_and_schools_the_predators/

The emphasis has got be reversed.....Our children future depends on it... and the very future of our great country.

The answer to the question in the title.....who is responsible ?  each and everyone of us, because we have the ability with the power of our vote to get rid of every politician that is responsible for this corrupted mess.

While our children go deeper and deeper into student loan debt and this amount is growing larger every day.

We need real solutions to the $1.2 Trillion Student loan debt crisis now!

I promise you the $1.2 Trillion student loan debt will never be fixed until serious changes are made to the way our election presently work.....   when it took... $7 Billion to elect the President and Congress the last election!... and with the new Supreme Court rulings this amount could easily double in 2016.Can anyone imagine spending in the neighborhood of $14 Billion! to elect a President  with an approval ratings in the 30% range and Congress that on a good day has an approval rating of 15%-20% range! This is already happening in Kentucky ... the Senate race is estimated to cost $100 Million  with some 80%  of this money coming from outside Kentucky?....when this happens the $100 Million will become the new benchmark... the standard amount ($100 Million) to be spent on any race that is high profile...It's also reported that the candidate that spends to most money wins 94% of the time ...Our President and Congress have been bought and paid for. The sad part for those select few that do run on true integrity their votes are useless until we do a thorough swipe  and take our government back!

I know there is a cost to education I have never said differently.I just had my daughter Ashley do a guest post talking about what college has done for her, and the opportunities that her education created for her. I believe we have got to have a well educated society...A society that questions our leaders and holds them accountable.

I am dyslexic and I wear it as a badge of honor....because my gift of dyslexia has allowed me to recognize my weakness and turn them into strengths.....So....I ask you today... when are we going to recognize our weakness as voters that we  keep electing the same old Congressmen/women that are total failures? When are we going to turn this information  about the corrupted system into a strength as American voters........ What is it going to take to give our children their futures back?

I am going to leave you with two quotes today

"A baby comes into this world with only hope...the only gold we will leave this earth with is our       ....word"                   Anthony Eller

and a second quote

 I believe  this quote should make all us to truly stop, think,and then to understand just how important our children are.

"You only have to know one thing......you can learn anything"


 Salman Khan
 Khan Academy          https://khanacademy.org

 I believe this could be the future of education in America and the world and............. it's Free