https://www.wpr.org/news/marquette-university-accused-push-lower-income-families-risky-loans-student-debt (https://www.wpr.org/news/marquette-university-accused-push-lower-income-families-risky-loans-student-debt)
QuoteMarquette was one of 41 colleges named in a report by the progressive think tank New America, which alleges the schools encourage low-income families to take out Parent PLUS loans while at the same time offering financial aid to upper-income students.
QuotePeter Granville, a fellow at the Century Foundation who studies college affordability, said the study sheds light on the important issue of how families pay for college and how colleges decide who gets financial help.
"This report argues that Marquette could have given families more grant aid, which would reduce their need for Parent PLUS loans. But the school didn't," Granville said. "One-third of Marquette Parent PLUS recipients also received the Pell Grant, which means their incomes are lower than average."
Good old pell grant. Went to state school for free. Enjoy those loans losers!
Yeah poor people get crappy loan terms. That's how capitalism works, it's cheap and easy to get money if you don't need it.
My parents took out a PLUS loan back in the day. We're all good. Thanks!
* it's only risky if your children are dumb.
The State of Connecticut offers for state residents only what is essentially Parent Plus leans but the rates are significantly lower.
Quote from: rocky_warrior on February 21, 2026, 07:40:24 PMMy parents took out a PLUS loan back in the day. We're all good. Thanks!
* it's only risky if your children are dumb.
My parents did not have to take out any loans and paid full tuition, books, and Room and Board because Marquette was affordable when I attended. My dad was an electrician at GM and my mom was a factory worker at J&J, a typical middle class blue collar family.
Quote from: muwarrior69 on February 22, 2026, 09:11:29 AMMy parents did not have to take out any loans and paid full tuition, books, and Room and Board because Marquette was affordable when I attended. My dad was an electrician at GM and my mom was a factory worker at J&J, a typical middle class blue collar family.
It's not 1969 any longer.
Quote from: muwarrior69 on February 22, 2026, 09:11:29 AMMy parents did not have to take out any loans and paid full tuition, books, and Room and Board because Marquette was affordable when I attended. My dad was an electrician at GM and my mom was a factory worker at J&J, a typical middle class blue collar family.
Both your parents had good paying jobs so you didn't have to take on debt for your college education!?
Well done chap!
Quote from: The Sultan on February 22, 2026, 09:14:20 AMIt's not 1969 any longer.
No kidding and that is a bad thing?
Quote from: rocky_warrior on February 22, 2026, 09:16:12 AMBoth your parents had good paying jobs so you didn't have to take on debt for your college education!?
Well done chap!
...and how many parents like mine can pay full freight for a Marquette education today? The University did not have to push my parents into taking a risky loan because it was affordable for a middle class family and very little to do with "well paying jobs". Many of my classmates had parents who were Lawyers and Doctors and others with advanced degrees who earned far more than mine, yet we all paid the same tuition if not on some scholarship. Yes it is not the 1960s anymore but I am sure when it comes to college affordability many parents to day wish it was.
Quote from: muwarrior69 on February 23, 2026, 10:17:20 AM...and how many parents like mine can pay full freight for a Marquette education today?
That's a great question! When gathering your data, I suggest you compare percentages from the 60s, 70s, 80s, 90s, 2000s, 2010s and 2020s!
Quote from: muwarrior69 on February 23, 2026, 10:17:20 AM...and how many parents like mine can pay full freight for a Marquette education today? The University did not have to push my parents into taking a risky loan because it was affordable for a middle class family and very little to do with "well paying jobs". Many of my classmates had parents who were Lawyers and Doctors and others with advanced degrees who earned far more than mine, yet we all paid the same tuition if not on some scholarship. Yes it is not the 1960s anymore but I am sure when it comes to college affordability many parents to day wish it was.
Muwarrior just now finding out college has become a scam in the past 30 years?
Quote from: #UnleashJosh on February 23, 2026, 12:23:38 PMMuwarrior just now finding out college has become a scam in the past 30 years?
https://www.census.gov/library/stories/2025/09/education-and-income.html
Quote from: The Sultan on February 23, 2026, 12:26:34 PMhttps://www.census.gov/library/stories/2025/09/education-and-income.html
It can have a positive impact on earnings and still be a scam/deeply flawed.
Quote from: BM1090 on February 23, 2026, 12:34:21 PMIt can have a positive impact on earnings and still be a scam/deeply flawed.
It's clearly not a scam overall. Some colleges can be scams.
But yes, there are deep flaws throughout our educational system.
Quote from: The Sultan on February 23, 2026, 12:26:34 PMhttps://www.census.gov/library/stories/2025/09/education-and-income.html
Yes, this has zero to do with why college is a scam now.
Thanks though.
Quote from: The Sultan on February 23, 2026, 12:53:43 PMIt's clearly not a scam overall. Some colleges can be scams.
But yes, there are deep flaws throughout our educational system.
Yup, totally not a scam. Books that cost $400 each, with a new version out every year, that you need, so no 2nd hand.
40k Tuition per year. But you can take out a loan that you'll be paying off for the next 30 years. At 18, you make that decision.
Room and board exploded, another loan for that.
Oh and BTW, https://educationdata.org/college-enrollment-statistics Everyone now GOES to college. Around 2012, it was basically just another four years of high school, now grad school is the real college. Oh btw, another 20k per year...
Just a bit out of touch here sultan. But that doesn't shock anyone.
Quote from: #UnleashJosh on February 23, 2026, 03:07:02 PMYes, this has zero to do with why college is a scam now.
Thanks though.
Quote from: #UnleashJosh on February 23, 2026, 03:10:52 PMYup, totally not a scam. Books that cost $400 each, with a new version out every year, that you need, so no 2nd hand.
40k Tuition per year. But you can take out a loan that you'll be paying off for the next 30 years. At 18, you make that decision.
Room and board exploded, another loan for that.
Oh and BTW, https://educationdata.org/college-enrollment-statistics Everyone now GOES to college. Around 2012, it was basically just another four years of high school, now grad school is the real college. Oh btw, another 20k per year...
Just a bit out of touch here sultan. But that doesn't shock anyone.
Oh.
So you have no f*cking clue what "scam" actually means. Let me enlighten you. People aren't getting cheated out of their money. They aren't getting tricked into paying for things. (At most places.)
College is a high cost investment that people make hope that it makes their lives better - financially and otherwise. It is not a guaranty by any means, and many families can't cash flow it easily, and that's where problems arise.
I am all on board for having conversations about why college costs so much, and how we as a society can make it more affordable. But using phrases like "scam" quickly seperate those who engage in serious thought from those who just say sh*t. To no one's surprise, you seem firmly in the latter category.
Quote from: #UnleashJosh on February 21, 2026, 02:03:42 PMGood old pell grant. Went to state school for free. Enjoy those loans losers!
Today, a maximum Pell Grant wouldn't cover a semester of FT tuition at Buckyville.
I was fortunate to only had to take out minimal loans for undergrad (and my parents did take out PLUS loans), but I did have to take out larger loans for grad school. I was fully aware that my choice of school had financial consequences. The day I paid them off was such a feeling of accomplishment. I bought myself a Midleton Very Rare to celebrate.
Quote from: rocky_warrior on February 21, 2026, 07:40:24 PMMy parents took out a PLUS loan back in the day. We're all good. Thanks!
* it's only risky if your children are dumb.
"The cash-strapped families often have little choice but to take out these risky loans."
Well, there's the choice to go to UWGB, Lacrosse, UWM, Madison, Minnesota, St. Cloud State, Mankato, Duluth, etc at in-state tuition rates if the student is a Wisconsin or Minnesota resident. Or, there's the choice to attend Marquette.
Quote from: #UnleashJosh on February 23, 2026, 03:10:52 PMYup, totally not a scam. Books that cost $400 each, with a new version out every year, that you need, so no 2nd hand.
40k Tuition per year. But you can take out a loan that you'll be paying off for the next 30 years. At 18, you make that decision.
Room and board exploded, another loan for that.
Oh and BTW, https://educationdata.org/college-enrollment-statistics Everyone now GOES to college. Around 2012, it was basically just another four years of high school, now grad school is the real college. Oh btw, another 20k per year...
Just a bit out of touch here sultan. But that doesn't shock anyone.
Oooh, noooo! The poor 18 year olds making that decision.
Coming from the same ze who thinks 8 yo's chopping their dils off is cool.
I certainly believe college is not for everyone and a lot of bad decisions are made (both where people attend and the major(s)/coursework selected are often a bad decision), but I don't have much sympathy for the 'they're too young and don't know what they are doing -- you tricked them!' re: 18 year olds.
But, if we bring everything together - gender reassignment, voting, college decisions, and many other things - and talk about what is too young or too old, can have that discussion.
#FreeMarquette
Quote from: Jay Bee on February 23, 2026, 05:43:44 PMComing from the same ze who thinks 8 yo's chopping their dils off is cool.
Do you also believe America's classrooms are stocked with kitty litter?
Quote from: Pakuni on February 23, 2026, 05:49:24 PMDo you also believe America's classrooms are stocked with kitty litter?
Just at TCU
Quote from: The Sultan on February 23, 2026, 04:06:13 PMOh.
So you have no f*cking clue what "scam" actually means. Let me enlighten you. People aren't getting cheated out of their money. They aren't getting tricked into paying for things. (At most places.)
College is a high cost investment that people make hope that it makes their lives better - financially and otherwise. It is not a guaranty by any means, and many families can't cash flow it easily, and that's where problems arise.
I am all on board for having conversations about why college costs so much, and how we as a society can make it more affordable. But using phrases like "scam" quickly seperate those who engage in serious thought from those who just say sh*t. To no one's surprise, you seem firmly in the latter category.
Quote from: Jay Bee on February 23, 2026, 05:43:44 PMComing from the same ze who thinks 8 yo's chopping their dils off is cool.
But, if we bring everything together - gender reassignment, voting, college decisions, and many other things - and talk about what is too young or too old, can have that discussion.
#FreeMarquette
Oh look the resident idiot nazi.
Just because I believe that your a nazi, and trump is a 2nd hitler, doesn't mean I agree that with everything on the left side. I also absolutely agree that 12 year olds shouldn't be having gender reassignment surgeries or hormone blockers.
However, one of these is an INSANELY niche thing, that effects a very small portion of our population, and another effects pretty much every 18 year old.
We can focus on just the college.
Quote from: #UnleashJosh on February 23, 2026, 06:21:25 PMJust because I believe that your a nazi
...
We can focus on just the college.
^^ bruh couldn't even focus on third grade.
Quote from: The Sultan on February 23, 2026, 04:06:13 PMOh.
So you have no f*cking clue what "scam" actually means. Let me enlighten you. People aren't getting cheated out of their money. They aren't getting tricked into paying for things. (At most places.)
Oh I forgot Sultan is the dude who you cant interchange words with. Gotta watch out what I call a scam the same way I use the word WE, or Sultan will have an aneurysm.
Its a unnatural carnal knowledgeing scam because of these reasons:
Tuition has gone up EXPONENTIALLY. Most of the older generation remember when you could work in the summer and part time in the school year and pay off your tuition. Now you've got to take out a loan that you'll be paying back for decades.
BOOKS? https://educationdata.org/average-cost-of-college-textbooks
Room and board? https://educationdata.org/average-cost-of-room-board-at-college
Your degree? Much more worthless then it was 40 years ago. To become a physical therapist in 1980, you went to school for 4 years, got an internship, became a physical therapist. Now its 4 years + 2 years grad + 2 years of internship. Thats an extra 4 years with tons of extra money needed.
Get with the times old man. (Or just shut up)
Quote from: Jay Bee on February 23, 2026, 06:25:57 PM^^ bruh couldn't even focus on third grade.
Oh no, my phone auto corrected you're wrong. OH NO!
Quote from: #UnleashJosh on February 23, 2026, 06:27:35 PMOh I forgot Sultan is the dude who you cant interchange words with. Gotta watch out what I call a scam the same way I use the word WE, or Sultan will have an aneurysm.
Its a unnatural carnal knowledgeing scam because of these reasons:
Tuition has gone up EXPONENTIALLY. Most of the older generation remember when you could work in the summer and part time in the school year and pay off your tuition. Now you've got to take out a loan that you'll be paying back for decades.
BOOKS? https://educationdata.org/average-cost-of-college-textbooks
Room and board? https://educationdata.org/average-cost-of-room-board-at-college
Your degree? Much more worthless then it was 40 years ago. To become a physical therapist in 1980, you went to school for 4 years, got an internship, became a physical therapist. Now its 4 years + 2 years grad + 2 years of internship. Thats an extra 4 years with tons of extra money needed.
Get with the times old man. (Or just shut up)
So you've doubled-down on not knowing the definition of "scam." Maybe you should have paid more for your education.
Quote from: The Sultan on February 23, 2026, 06:29:58 PMSo you've doubled-down on not knowing the definition of "scam." Maybe you should have paid more for your education.
Yep. It's me, not you.
https://www.reddit.com/r/AskAnAmerican/comments/1kn0d1d/what_does_college_is_a_scam_refer_to_in_terms_of/
https://www.uopeople.edu/blog/college-is-a-scam/
https://dailycollegian.com/2021/11/college-is-a-scam/
https://www.edsurge.com/news/2024-03-12-how-is-the-college-is-a-scam-narrative-influencing-who-chooses-to-go-to-campus
https://medium.com/publishous/millennials-are-finally-realizing-that-most-college-degrees-are-a-scam-b8896ca255a6
https://quchronicle.com/91024/opinion/college-is-a-financial-scam/
https://nypost.com/2025/11/30/opinion/more-americans-are-realizing-a-four-year-degree-is-an-expensive-scam/
Yup
Quote from: #UnleashJosh on February 23, 2026, 06:32:53 PMYep. It's me, not you.
https://www.reddit.com/r/AskAnAmerican/comments/1kn0d1d/what_does_college_is_a_scam_refer_to_in_terms_of/
https://www.uopeople.edu/blog/college-is-a-scam/
https://dailycollegian.com/2021/11/college-is-a-scam/
https://www.edsurge.com/news/2024-03-12-how-is-the-college-is-a-scam-narrative-influencing-who-chooses-to-go-to-campus
https://medium.com/publishous/millennials-are-finally-realizing-that-most-college-degrees-are-a-scam-b8896ca255a6
https://quchronicle.com/91024/opinion/college-is-a-financial-scam/
https://nypost.com/2025/11/30/opinion/more-americans-are-realizing-a-four-year-degree-is-an-expensive-scam/
Yup
So you've proved that many other people are as dumb as you.
It must feel nice to know you aren't alone in this world.
By the way, your recent obsession with arguing with me is fun and all, but don't you get tired of getting your ass handed to you every...single...time? (Imagine using the "Ask An American" Reddit sub as a source....lol.)
Quote from: The Sultan on February 23, 2026, 06:36:09 PMSo you've proved that many other people are as dumb as you.
It must feel nice to know you aren't alone in this world.
By the way, your recent obsession with arguing with me is fun and all, but don't you get tired of getting your ass handed to you every...single...time? (Imagine using the "Ask An American" Reddit sub as a source....lol.)
Or maybe you just don't understand the fluidity of the English language lol.
Quote from: #UnleashJosh on February 23, 2026, 06:28:34 PMOh no, my phone auto corrected you're wrong. OH NO!
Let's be real - it's not your phone -- you're just a mental midget (or, as you say... "your" just a mental midget).
Quote from: #UnleashJosh on January 29, 2026, 08:05:38 AMThere's zero chance you didn't vote trump. Your basically a teleprompter for all of his ideas.
Quote from: #UnleashJosh on February 20, 2026, 03:52:42 PMUnless your talking about Hamilton. I've got mixed feelings about him, but think out of the 4 he would be the one to stay.
Quote from: #UnleashJosh on December 13, 2024, 07:58:10 PMYou do realize if companies like uhc get their way, your going to die right? Everything you listed will be used a pre-existing condition and they will deny claims.
Quote from: #UnleashJosh on November 22, 2025, 02:29:58 PMGold constantly passing up the open three in the corner is growing old.
Either your a stretch 5 or your not ben.
Quote from: #UnleashJosh on November 15, 2025, 11:48:38 AMOr your too old! First coach of my lifetime was Deane.
Quote from: #UnleashJosh on September 13, 2024, 11:13:12 AMWhen your the top dog, its not an attitude. It's being vocal.
Quote from: Jay Bee on February 23, 2026, 07:07:31 PMLet's be real - it's not your phone -- you're just a mental midget (or, as you say... "your" just a mental midget).
Wow, all texts sent from my phone while drinking. Oh no!
Do you have any comment on the actual topic at hand, or nothing to say to that big boy?
Quote from: #UnleashJosh on February 23, 2026, 12:23:38 PMMuwarrior just now finding out college has become a scam in the past 30 years?
No! We paid 4 times more for my daughters degree 30 plus years later than my parents did for mine and she went to community college her first two years so we could actually save on tuition and we had no room and board since she stayed home. What is jaw dropping is why does it cost 23 times more to go to Marquette when I was a college student and 7 times more when my daughter was a college student? Even if students are paying half sticker price it is still too high.
Thankfully here New Jersey my grand daughter can go to community college, transfer to Rutgers and get a BS/BA for about 90k if she stays home, more if she lives on campus.
As I have noted many times my cost to earnings ratio was 1.33 when I graduated with no work experience. A Marquette grad with a BS today would have to have a starting salary over 200k to equal mine in purchasing power for those who paid full freight. Even if they paid half they would still have to earn over a 100k right out of school.
Quote from: muwarrior69 on February 24, 2026, 11:09:15 AMNo! We paid 4 times more for my daughters degree 30 plus years later than my parents did for mine and she went to community college her first two years so we could actually save on tuition and we had no room and board since she stayed home. What is jaw dropping is why does it cost 23 times more to go to Marquette when I was a college student and 7 times more when my daughter was a college student? Even if students are paying half sticker price it is still too high.
Thankfully here New Jersey my grand daughter can go to community college, transfer to Rutgers and get a BS/BA for about 90k if she stays home, more if she lives on campus.
Now do housing prices, etc. etc.
But at least we were raised being told to throw away our participation trophies.
OK, college is not a scam. However, I am concerned about the "affordability" of Marquette for middle class folks like Brother 69. I have voiced my concerns to evey Marquette President beginning with Fr. DiUilio and, just recently, to Dr. Kimo.
The line Marquette has said over and over in the years where the question has been raised is that most students don't pay the "rack" rate. In fact, the university contends the average all-in rate is closer to about $30,000, which is still a lot of money. I also think Marquette's contention that a significant percentage of its students are first-generation college students has less to do with the generosity of the university and more to do with many of these students qualifying for grants and loans to low and moderate income students.
One point the university made when Father Pilarz was President was that students demand more. Hence the reason why McCormick went down and a new down on Wells Street went up. Or, why the Rec Center was dramatically expanded. And you wonder why the cost went up.
All this said, I'll admit I'm bothered by the cost of a private education. Four years at Marquette in the late 1970s, all-in rack rate, was about $23,000. It's now about $250,000. Inflation should have taken the four-year cost to about $85,000 or $90,000. That's about $160,000 of "real" expense growth. I often wonder if the students coming from Marquette are that much better educated and prepared for the 2030s than we were for the 1980s.
Even state university costs are becoming more and more ridiculous. We sent our two children to a state university in Illinois and for both of them, the cost was $250,000 for a B.S. or B.A. degree.
For what it's worth, all private education is doing the same thing. My high school was $475 annually when I was graduated. It's now $29,000. One reason for the absurd price is the state in which it is located adopted a voucher program that's worth about $7,100 per student. The school moved to capture the benefit of the voucher in its tuition, fully cognizant of the fact that very few students actually will have vouchers.
The cost is so high that many families are having to decide between a Catholic education and college tuition. That's sad.
College can be a scam but not inherently so.
Adding majors that are going to appeal to emotional teenagers' that are guaranteed to have a negative ROI (unless you spend the next decade getting a doctorate) at schools with a hefty price tag is a scam.
STEM is objectively not a scam.
Accounting, finance, some other business majors are also not a scam.
Education majors at the same price point is a scam.
Purdue's model of income driven tuition seems like the best option. Say "we'll take X% of your income for X years because we feel confident our degree will get you a certain ROI"
Pell Grant, Stafford Loan, and scholarship for me 30ish years ago. Today, I pay full freight at the University of Pennsylvania for one (senior) and oh sixty percent of the advertised total cost at Marquette University for the other (sophomore). Wouldn't have met my wife, retired early, and have the ability to pay (loan my kids a portion really) college costs had MU not accepted a kid with less who did pretty well in high school.
Quote from: wadesworld on February 24, 2026, 11:12:24 AMNow do housing prices, etc. etc.
But at least we were raised being told to throw away our participation trophies.
The median price of a home in 1969 was 28K, in 2025 462K an increase of just under 17 times, not 23 times more in cost to go to Marquette. Also the value of your home increases while the value of a BS/BA degree has decreased.
Sure we can discus the increase in the cost of everything and get no argument from me.
Quote from: muwarrior69 on February 24, 2026, 02:26:58 PMThe median price of a home in 1969 was 28K, in 2025 462K an increase of just under 17 times, not 23 times more in cost to go to Marquette. Also the value of your home increases while the value of a BS/BA degree has decreased.
Sure we can discus the increase in the cost of everything and get no argument from me.
The cost of a home should also be done on a per square footage basis. When accounting for inflation, housing was about the same back in 1969 using that basis. (It did get signficanly less expensive in the 1980s and 90s however.)
Quote from: #UnleashJosh on February 23, 2026, 07:44:48 PMWow, all texts sent from my phone while drinking. Oh no!
Do you have any comment on the actual topic at hand, or nothing to say to that big boy?
You'll have to forgive Bee Jay, leaping on minor grammatical errors on a basketball message board like Pete Hegseth on a bottle of Jack Daniels is just one of the many coping mechanisms he uses to compensate for his legion of insecurities, not the least of which is his confusion about his own sexuality.
One can only imagine what sort of parenting malpractice went on the Bee Jay household when he was a tot for him to turn out this way, but we all hope he gets the help he is desperately crying out for.
Quote from: dgies9156 on February 24, 2026, 11:22:20 AMOK, college is not a scam. However, I am concerned about the "affordability" of Marquette for middle class folks like Brother 69. I have voiced my concerns to evey Marquette President beginning with Fr. DiUilio and, just recently, to Dr. Kimo.
The line Marquette has said over and over in the years where the question has been raised is that most students don't pay the "rack" rate. In fact, the university contends the average all-in rate is closer to about $30,000, which is still a lot of money. I also think Marquette's contention that a significant percentage of its students are first-generation college students has less to do with the generosity of the university and more to do with many of these students qualifying for grants and loans to low and moderate income students.
One point the university made when Father Pilarz was President was that students demand more. Hence the reason why McCormick went down and a new down on Wells Street went up. Or, why the Rec Center was dramatically expanded. And you wonder why the cost went up.
All this said, I'll admit I'm bothered by the cost of a private education. Four years at Marquette in the late 1970s, all-in rack rate, was about $23,000. It's now about $250,000. Inflation should have taken the four-year cost to about $85,000 or $90,000. That's about $160,000 of "real" expense growth. I often wonder if the students coming from Marquette are that much better educated and prepared for the 2030s than we were for the 1980s.
Even state university costs are becoming more and more ridiculous. We sent our two children to a state university in Illinois and for both of them, the cost was $250,000 for a B.S. or B.A. degree.
For what it's worth, all private education is doing the same thing. My high school was $475 annually when I was graduated. It's now $29,000. One reason for the absurd price is the state in which it is located adopted a voucher program that's worth about $7,100 per student. The school moved to capture the benefit of the voucher in its tuition, fully cognizant of the fact that very few students actually will have vouchers.
The cost is so high that many families are having to decide between a Catholic education and college tuition. That's sad.
The heart of the problem is that education, especially at the post-secondary level, has largely moved from a "collective good" and more toward an "individual good." That's why we have seen grant programs turn into loan programs. But that is why we also have students demanding more like rec centers, renovated residence halls, etc.
But in the process we have turned higher education into a monumentally risky proposition for many families. Yeah you can justify taking out the loans, IF you succeed in school, IF you can get yourself into a field that makes enough, and IF nothing else happens to you along the way.
Quote from: #UnleashJosh on February 23, 2026, 07:44:48 PMWow, all texts sent from my phone while drinking. Oh no!
Do you have any comment on the actual topic at hand, or nothing to say to that big boy?
Bruh you're drinking at 8 AM on a Thursday? And then 4 PM on a Friday? And multiple other times before noon?
Quote from: The Sultan on February 24, 2026, 02:32:31 PMThe cost of a home should also be done on a per square footage basis. When accounting for inflation, housing was about the same back in 1969 using that basis. (It did get signficanly less expensive in the 1980s and 90s however.)
And not all homes are created equal. Same for colleges. MU is like a nice, 15 year old 4k sq ft home. Dayton is like a cardboard box in an alley, smeared w/sh1t.
Quote from: withoutbias on February 24, 2026, 03:10:26 PMBruh you're drinking at 8 AM on a Thursday? And then 4 PM on a Friday? And multiple other times before noon?
Its almost like people live in different timezones.
Quote from: #UnleashJosh on February 24, 2026, 04:37:30 PMIts almost like people live in different timezones.
Where I live, it's always after 5, except for that brief period when it IS 5. And BTW, the saying is using a 24hr clock, right?
Quote from: rocky_warrior on February 24, 2026, 04:56:18 PMWhere I live, it's always after 5, except for that brief period when it IS 5. And BTW, the saying is using a 24hr clock, right?
Imagine all the others reasons one might be having a drink at 9am lol.
On vacation
Being a 3rd shifter
Just not giving a crap
Day off
So many haha.
Quote from: #UnleashJosh on February 24, 2026, 05:01:42 PMImagine all the others reasons one might be having a drink at 9am lol.
On vacation
Being a 3rd shifter
Just not giving a crap
Day off
So many haha.
Outside of being in college and having an early tip to a gameday, can't say I've ever been interested in drinking at 9 AM for any reason.
But that's kind of the point. 9 AM, 4 PM, 8 PM, there's some drinking at weird times in there.
Quote from: withoutbias on February 24, 2026, 05:04:03 PMOutside of being in college and having an early tip to a gameday, can't say I've ever been interested in drinking at 9 AM for any reason.
But that's kind of the point. 9 AM, 4 PM, 8 PM, there's some drinking at weird times in there.
I don't know unleash. Perhaps his friends and family SHOULD have an intervention. But it seems weird coming from a rando message board poster based off a few posts.
Quote from: rocky_warrior on February 24, 2026, 05:10:37 PMI don't know unleash. Perhaps his friends and family SHOULD have an intervention. But it seems weird coming from a rando message board poster based off a few posts.
No, withoutbias has it down to a science. Of course his post times are always at the exact same time as mine. And I've definitely never traveled to Europe or New Zealand. Especially not in the past year!
"I lose my knowledge of grade school grammar if I have a drop of beer... or if I type!" — #Unleash
Quote from: Jay Bee on February 24, 2026, 05:52:09 PM"I lose my knowledge of grade school grammar if I have a drop of beer... or if I type!" — #Unleash
Why don't you respond to the actual question I gave you? Is it because you know YOUREEEEEEE wrong?
Quote from: withoutbias on February 24, 2026, 05:04:03 PMOutside of being in college and having an early tip to a gameday, can't say I've ever been interested in drinking at 9 AM for any reason.
But that's kind of the point. 9 AM, 4 PM, 8 PM, there's some drinking at weird times in there.
The award for least fun at a brunch party or at patricks day party goes to!
Also how is 4pm or 8pm weird? 4pm is the start of most happy hours at places I've worked and 8pm is like the most standard time to have some drinks I've ever heard regardless of age
Quote from: Galway Eagle on February 24, 2026, 06:30:14 PMThe award for least fun at a brunch party or at patricks day party goes to!
Also how is 4pm or 8pm weird? 4pm is the start of most happy hours at places I've worked and 8pm is like the most standard time to have some drinks I've ever heard regardless of age
Because his explanation for drinking prior to 9 AM was that "it's almost like some people live in different time zones." So if the explanation for 9 AM drinking is time zones, then 4 PM or 8 PM time zone differences means at some point there were some early morning drinking going on.
Quote from: The Sultan on February 23, 2026, 04:06:13 PMOh.
So you have no f*cking clue what "scam" actually means. Let me enlighten you. People aren't getting cheated out of their money. They aren't getting tricked into paying for things. (At most places.)
College is a high cost investment that people make hope that it makes their lives better - financially and otherwise. It is not a guaranty by any means, and many families can't cash flow it easily, and that's where problems arise.
I am all on board for having conversations about why college costs so much, and how we as a society can make it more affordable. But using phrases like "scam" quickly seperate those who engage in serious thought from those who just say sh*t. To no one's surprise, you seem firmly in the latter category.
Then why the accusation that Marquette was pushing risky loans on "poorer" families while offering grants to "more well off families"? Were the "poorer families" aware that the "better off families" were getting grants while they were offered loans. If not that sounds pretty deceitful to me and where people are being cheated out of their money and tricked into paying more.
Quote from: muwarrior69 on February 25, 2026, 12:14:52 PMThen why the accusation that Marquette was pushing risky loans on "poorer" families while offering grants to "more well off families"? Were the "poorer families" aware that the "better off families" were getting grants while they were offered loans. If not that sounds pretty deceitful to me.
I think the article was including academic scholarships under the overall definition of "financial aid." Was that intentional to deceive? I have no idea. But Marquette, as almost every other school, offers academic scholarships regardless of income level.
I seriously doubt Marquette is giving need-based aid to wealthy students. That doesn't make a lot of sense.
Quote from: withoutbias on February 25, 2026, 11:31:37 AMBecause his explanation for drinking prior to 9 AM was that "it's almost like some people live in different time zones." So if the explanation for 9 AM drinking is time zones, then 4 PM or 8 PM time zone differences means at some point there were some early morning drinking going on.
Or I was on vacation on a different continent. You twit. Rofl
Quote from: #UnleashJosh on February 25, 2026, 05:43:11 PMOr I was on vacation on a different continent. You twit. Rofl
Bruh, stop. It's OK. We know you're a dumba$$. All good. Lots of people are.
Quote from: Jay Bee on February 25, 2026, 07:24:58 PMBruh, stop. It's OK. We know you're a dumba$$. All good. Lots of people are.
Are you going to answer the question I asked you? Or keep deflecting because you have no good answer?
Quote from: #UnleashJosh on February 25, 2026, 07:46:02 PMAre you going to answer the question I asked you? Or keep deflecting because you have no good answer?
What was the question? I don't pay much attention to your posts because I know you to be a slow person, erratic and overweight.
My opinion isn't all that important (although usually correct). I hope you have a good evening, my friend. Nothing personal. I'd love nothing more than to cheers beers with you at a Natty that MU wins, but I just don't care about your words.
Quote from: The Sultan on February 25, 2026, 12:24:07 PMI think the article was including academic scholarships under the overall definition of "financial aid." Was that intentional to deceive? I have no idea. But Marquette, as almost every other school, offers academic scholarships regardless of income level.
I seriously doubt Marquette is giving need-based aid to wealthy students. That doesn't make a lot of sense.
So that just means there's a bias of giving academic scholarships to wealthy families based on (insert one of 300 reasons). Which just pushes lower class families to loans.
Quote from: Jay Bee on February 25, 2026, 07:51:18 PMWhat was the question? I don't pay much attention to your posts because I know you to be a slow person, erratic and overweight.
My opinion isn't all that important (although usually correct). I hope you have a good evening, my friend. Nothing personal. I'd love nothing more than to cheers beers with you at a Natty that MU wins, but I just don't care about your words.
You sure respond to a ton of my posts to not care.
Quote from: #UnleashJosh on February 25, 2026, 10:51:09 PMSo that just means there's a bias of giving academic scholarships to wealthy families based on (insert one of 300 reasons). Which just pushes lower class families to loans.
??? How is there is a bias toward giving academic scholarships to wealthy people? Usually every applicant gets a scholarship offer, well before a FAFSA is filed, based on academic record. It's "need blind."
But yes, wealthy people do t take out PLUS loans.
Quote from: The Sultan on February 26, 2026, 04:28:06 AM??? How is there is a bias toward giving academic scholarships to wealthy people? Usually every applicant gets a scholarship offer, well before a FAFSA is filed, based on academic record. It's "need blind."
But yes, wealthy people do t take out PLUS loans.
So every applicant does not pay full freight at Marquette? Is the scholarship offer the same amount for every applicant regardless of academic record? Can an applicant negotiate the scholarship offer. Is the scholarship offer basically a discount but for other reasons called a scholarship?
Quote from: muwarrior69 on February 26, 2026, 09:47:07 AMSo every applicant does not pay full freight at Marquette? Is the scholarship offer the same amount for every applicant regardless of academic record? Can an applicant negotiate the scholarship offer. Is the scholarship offer basically a discount but for other reasons called a scholarship?
1. Most applicants do not pay full freight at Marquette and at most private schools.
2. No the scholarship amount depends on their academic record. Here is a summary. (https://www.marquette.edu/tuition-financial-aid/scholarships-overview.php)
3. Any applicant can negotiate, but it is usually not very successful.
4. Yes. I have explained this previously.
The comments earlier that college is a "scam" left me a little high and dry. I don't believe it for a minute, at least not with most schools. In fact, I still believe that college is a wise investment -- and put my money where my belief is with our children.
Here's why:
1) College opens your mind to ideas, issues and debate. It teaches you how to think, rather than strictly a trade. If one has taken advantage of the education before him or her, you've become a lifelong learner.
2) Marquette offers is a path to a degree based on programs for which Marquette is good to great at. Nobody will guarantee a student a job, an internship or even success. Not even Harvard Guarantees success. A student and a college grad must earn it. It's up to the student to understand the post-college opportunities in a field, as well as its cost-benefit ratio.
3) One of the most repeated debates today is the issue of "I can go to trade school, spend a lot less money and make a lot more money on the backside. True, and if it's your vocation to be a plumber, electrician, HVAC expert or one of many other trades, by all means, go for it. The trade will make you happy and you should have a good life. But, if your goal is Return on Investment ("ROI"), you're better off in college!
On the ROI front, my first job out of college paid between a third and half of what UAW-represented laborers made at International Harvester in the Quad Cities. The folks in the union hall were repeatedly calling me "college boy" and ridiculing me becaue their checks were perceived to be larger than mine (they clearly were, but I didn't tell 'em).
Fast forward 10 years. International Harvester was gone, their jobs eliminated. For every 1,000 machinists out of work in the region, there might have been one, maybe two machinist job openings. By contrast, I had a degree, was by then working in Chicago and had just completed an advanced degree. The opportunities for me abounded and my pay was reasonably good. What made that happen, in no small measure, was what started at Marquette.
Times change, Dgies.
Quote from: dgies9156 on February 26, 2026, 11:10:37 AMThe comments earlier that college is a "scam" left me a little high and dry. I don't believe it for a minute, at least not with most schools. In fact, I still believe that college is a wise investment -- and put my money where my belief is with our children.
Here's why:
1) College opens your mind to ideas, issues and debate. It teaches you how to think, rather than strictly a trade. If one has taken advantage of the education before him or her, you've become a lifelong learner.
2) Marquette offers is a path to a degree based on programs for which Marquette is good to great at. Nobody will guarantee a student a job, an internship or even success. Not even Harvard Guarantees success. A student and a college grad must earn it. It's up to the student to understand the post-college opportunities in a field, as well as its cost-benefit ratio.
3) One of the most repeated debates today is the issue of "I can go to trade school, spend a lot less money and make a lot more money on the backside. True, and if it's your vocation to be a plumber, electrician, HVAC expert or one of many other trades, by all means, go for it. The trade will make you happy and you should have a good life. But, if your goal is Return on Investment ("ROI"), you're better off in college!
On the ROI front, my first job out of college paid between a third and half of what UAW-represented laborers made at International Harvester in the Quad Cities. The folks in the union hall were repeatedly calling me "college boy" and ridiculing me becaue their checks were perceived to be larger than mine (they clearly were, but I didn't tell 'em).
Fast forward 10 years. International Harvester was gone, their jobs eliminated. For every 1,000 machinists out of work in the region, there might have been one, maybe two machinist job openings. By contrast, I had a degree, was by then working in Chicago and had just completed an advanced degree. The opportunities for me abounded and my pay was reasonably good. What made that happen, in no small measure, was what started at Marquette.
;D Well, we know how old you are now lol. Let's just say it ain't the 80s no more.
Quote from: The Sultan on February 26, 2026, 04:28:06 AM??? How is there is a bias toward giving academic scholarships to wealthy people? Usually every applicant gets a scholarship offer, well before a FAFSA is filed, based on academic record. It's "need blind."
But yes, wealthy people do t take out PLUS loans.
Did you read the article? You claimed that academic scholarships skewed the results because they lumped that in with grants.
If wealthy families are getting, on average,a large enough portion of the academic scholarships to skew the results, then there's clearly a bias for academic scholarships towards wealthy families. Probably due to better schools, smaller classes, and private tutoring (and of course, test prep). These are things lower class families don't have access to, therefore forcing them, on average, towards parent plus loans.
Quote from: #UnleashJosh on February 26, 2026, 12:09:37 PMDid you read the article? You claimed that academic scholarships skewed the results because they lumped that in with grants.
If wealthy families are getting, on average,a large enough portion of the academic scholarships to skew the results, then there's clearly a bias for academic scholarships towards wealthy families. Probably due to better schools, smaller classes, and private tutoring (and of course, test prep). These are things lower class families don't have access to, therefore forcing them, on average, towards parent plus loans.
I read the article and you aren't understanding what it says. Every student is going to get an academic scholarship, but almost all students are going to have some balance to pay even after all scholarships and need based aid is applied.
Wealthy students don't need to take out PLUS loans because they will just pay the balance in full. So of course the demographic that take out those loans is going to be more poor than those who don't.
Quote from: The Sultan on February 26, 2026, 12:17:46 PMI read the article and you aren't understanding what it says. Every student is going to get an academic scholarship, but almost all students are going to have some balance to pay even after all scholarships and need based aid is applied.
Wealthy students don't need to take out PLUS loans because they will just pay the balance in full. So of course the demographic that take out those loans is going to be more poor than those who don't.
Im just replying to what you said below. Maybe I misunderstood that part?
Quote from: The Sultan on February 25, 2026, 12:24:07 PMI think the article was including academic scholarships under the overall definition of "financial aid." Was that intentional to deceive? I have no idea. But Marquette, as almost every other school, offers academic scholarships regardless of income level.
I seriously doubt Marquette is giving need-based aid to wealthy students. That doesn't make a lot of sense.
Quote from: #UnleashJosh on February 26, 2026, 12:26:10 PMIm just replying to what you said below. Maybe I misunderstood that part?
Here is what mu69 said: "Then why the accusation that Marquette was pushing risky loans on "poorer" families while offering grants to "more well off families"?"
My interpretation is that they, yes indeed are offering "grants" to more well off families. But those are scholarships that any student receives. "Poorer" families are getting grants as well, but those "grants" aren't enough to cover 100% of cost, so yes, they are taking out loans.
Quote from: #UnleashJosh on February 26, 2026, 12:04:51 PM;D Well, we know how old you are now lol. Let's just say it ain't the 80s no more.
No kidding, Sherlock.
But the basis for going to college hasn't changed.
Quote from: dgies9156 on February 26, 2026, 02:08:16 PMNo kidding, Sherlock.
But the basis for going to college hasn't changed.
Oh....? We'll let you live in bliss.