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    <title>CNET Forums: Message List - $1T in Student Loans and the Forgiveness Act</title>
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    <description>The latest posts in $1T in Student Loans and the Forgiveness Act.</description>
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    <item>
      <title>Payback starts after the kid gets out of college</title>
      <description>not during college.  So the student could stay in school for 20 years and the clock doesn&apos;t start until he/she gets out ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302307.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302307.html</guid>      
      <pubDate>23 Apr 2012 07:16:11 PDT</pubDate>
    </item>

    <item>
      <title>all that student has to do is stay in school for ten years</title>
      <description>STOP PROCREATING!!!!&lt;br&gt;&lt;br&gt;And tell your neighbours to do the same.&lt;br&gt;&lt;br&gt;&lt;img border=&quot;0&quot; src=&quot;http://www.cnet.com/i/m ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302284.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302284.html</guid>      
      <pubDate>23 Apr 2012 06:02:58 PDT</pubDate>
    </item>

    <item>
      <title>RE: student&apos;s poverty line</title>
      <description>WHERE did you get THAT term from? ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302300.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302300.html</guid>      
      <pubDate>23 Apr 2012 05:45:08 PDT</pubDate>
    </item>

    <item>
      <title>AND</title>
      <description>if that student&apos;s poverty line is zero or next to zero, the payments would be next to nothing....all that student has to ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302269.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302269.html</guid>      
      <pubDate>23 Apr 2012 05:38:28 PDT</pubDate>
    </item>

    <item>
      <title>You&apos;re talking about YOUR country</title>
      <description>regarding the poverty line, JP&lt;br&gt;&lt;br&gt;NO.....I&amp;quot;M NOT&lt;br&gt;&lt;br&gt;I&apos;ve pointed it out at least twice..here&apos;s the third ti ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302294.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302294.html</guid>      
      <pubDate>23 Apr 2012 05:22:03 PDT</pubDate>
    </item>

    <item>
      <title>You&apos;re talking about YOUR country</title>
      <description>regarding the poverty line, JP.....With THIS law, they don&apos;t have to have a job for those ten years because they could s ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302268.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302268.html</guid>      
      <pubDate>23 Apr 2012 05:04:19 PDT</pubDate>
    </item>

    <item>
      <title>$4700/year</title>
      <description> ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302272.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302272.html</guid>      
      <pubDate>23 Apr 2012 04:55:06 PDT</pubDate>
    </item>

    <item>
      <title>RE:  As long as the student pays a pittance</title>
      <description>They don&apos;t &amp;quot;pay a pittance&amp;quot;   the Gov TAKES 10%/year for 10 years...&lt;br&gt;&lt;br&gt;let&apos;s say they make $60K...Poverty ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302270.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302270.html</guid>      
      <pubDate>23 Apr 2012 04:40:00 PDT</pubDate>
    </item>

    <item>
      <title>Why do you insist</title>
      <description>on rewriting what I&apos;ve said?  I said, the student pays for ten years small payments and then defaults so the taxpayer en ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302261.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302261.html</guid>      
      <pubDate>23 Apr 2012 03:42:17 PDT</pubDate>
    </item>

    <item>
      <title>RE:  such as putting a lien against property or wages or tax</title>
      <description>&lt;b&gt;such as putting a lien against property or wages or tax refunds if that person had been working and not paying.&lt;/b&gt;&lt;b ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302168.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302168.html</guid>      
      <pubDate>22 Apr 2012 19:41:37 PDT</pubDate>
    </item>

    <item>
      <title>First part</title>
      <description>If the student hasn&apos;t paid anything in ten years, the Student Loan Department would have probably taken steps to get the ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302100.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302100.html</guid>      
      <pubDate>22 Apr 2012 14:35:33 PDT</pubDate>
    </item>

    <item>
      <title>IF you harass someone for 10 years</title>
      <description>and you haven&apos;t got your money back...what&apos;s going to change in years 11, 12, 13?&lt;br&gt;&lt;br&gt;You don&apos;t want to hire more gov ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302073.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302073.html</guid>      
      <pubDate>22 Apr 2012 13:45:49 PDT</pubDate>
    </item>

    <item>
      <title>I&apos;ll answer both of your posts at once</title>
      <description>No, it hasn&apos;t changed my opinion at all.....it proves my point regarding repayment here in the US and why you favor havi ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302072.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302072.html</guid>      
      <pubDate>22 Apr 2012 13:39:25 PDT</pubDate>
    </item>

    <item>
      <title>RE:  altered its meaning for its own progressive purposes</title>
      <description>just like they altered the meaning of &amp;quot;forgive&amp;quot;&lt;br&gt;&lt;br&gt;After I harass someone for 10 years ...I don&apos;t call it ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302071.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302071.html</guid>      
      <pubDate>22 Apr 2012 13:16:45 PDT</pubDate>
    </item>

    <item>
      <title>OK...</title>
      <description>does that change YOUR opinion? ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302039.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302039.html</guid>      
      <pubDate>22 Apr 2012 13:11:37 PDT</pubDate>
    </item>

    <item>
      <title>Then your Loan Repayment Department</title>
      <description>isn&apos;t using the actual meaning for &apos;discretionary&apos; and has altered its meaning for its own progressive purposes. ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302037.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302037.html</guid>      
      <pubDate>22 Apr 2012 12:47:10 PDT</pubDate>
    </item>

    <item>
      <title>JP is the only poster</title>
      <description>I do that to because he is a habitual nonsense poster when it comes to my threads or posts....he rarely, if ever, has an ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302036.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302036.html</guid>      
      <pubDate>22 Apr 2012 12:45:13 PDT</pubDate>
    </item>

    <item>
      <title>PS</title>
      <description>&lt;a href=&quot;http://www.finaid.org/calculators/ibr10.phtml&quot; target=&quot;_blank&quot; rel=&quot;nofollow&quot;&gt;For those that want to do some fi ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302043.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302043.html</guid>      
      <pubDate>22 Apr 2012 12:42:39 PDT</pubDate>
    </item>

    <item>
      <title>RE;Discretionary means &amp;quot;available for use&amp;quot;</title>
      <description>&lt;b&gt;Discretionary means &amp;quot;available for use&amp;quot; and &amp;quot;not earmarked&amp;quot; according to the dictionary....which ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302035.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302035.html</guid>      
      <pubDate>22 Apr 2012 12:33:31 PDT</pubDate>
    </item>

    <item>
      <title>Actually we have the same type of program</title>
      <description>You can work in your field in an area that need your services.  I remember this working with doctors or teachers working ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302051.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302051.html</guid>      
      <pubDate>22 Apr 2012 12:21:39 PDT</pubDate>
    </item>

    <item>
      <title>I&apos;m not saying she doesn&apos;t respond,</title>
      <description>just that she doesn&apos;t answer the post, just denigrates the poster - like &amp;quot;) you just can&apos;t stop yourself, can you?&amp; ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302041.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302041.html</guid>      
      <pubDate>22 Apr 2012 12:16:45 PDT</pubDate>
    </item>

    <item>
      <title>How do you determine that?</title>
      <description>just because someone doesn&apos;t reply?  Or is that just guessing?  There was a poster here who deliberately refused to ever ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5302025.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5302025.html</guid>      
      <pubDate>22 Apr 2012 11:46:59 PDT</pubDate>
    </item>

    <item>
      <title>Sounds biblical</title>
      <description>I believe such were called &amp;quot;bond servants&amp;quot; which is sometimes, and mistakenly IMO, expressed as a form of slav ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301997.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301997.html</guid>      
      <pubDate>22 Apr 2012 11:42:53 PDT</pubDate>
    </item>

    <item>
      <title>RE:  Why not? and Where? Your country or mine?</title>
      <description>Because&lt;br&gt;&lt;br&gt;&lt;a href=&quot;http://www.aved.gov.bc.ca/studentaidbc/repay/repaymentassistance/loanforgiveness.htm&quot; target=&quot;_b ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301990.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301990.html</guid>      
      <pubDate>22 Apr 2012 11:09:59 PDT</pubDate>
    </item>

    <item>
      <title>Why not?  and Where?  Your country or mine?</title>
      <description> ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301970.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301970.html</guid>      
      <pubDate>22 Apr 2012 08:56:10 PDT</pubDate>
    </item>

    <item>
      <title>OK</title>
      <description>IF the student stops (graduates) going to school and actually GETS a job, 10% of their &apos;discretionary&apos; income goes towar ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301961.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301961.html</guid>      
      <pubDate>22 Apr 2012 08:54:48 PDT</pubDate>
    </item>

    <item>
      <title>they can&apos;t use money earned at McD to qualify for that</title>
      <description> ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301947.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301947.html</guid>      
      <pubDate>22 Apr 2012 08:12:35 PDT</pubDate>
    </item>

    <item>
      <title>Look at a &amp;quot;student with a loan&amp;quot; AS a business</title>
      <description>the student avoids paying the loan...a business avoids paying a tax.&lt;br&gt;&lt;br&gt;No one likes the Government.&lt;br&gt;&lt;br&gt;Like YOU ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301946.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301946.html</guid>      
      <pubDate>22 Apr 2012 08:10:23 PDT</pubDate>
    </item>

    <item>
      <title>RE:  A part time job at McDonalds would be enough to make</title>
      <description>&lt;b&gt;A part time job at McDonalds would be enough to make those small payments&lt;/b&gt;&lt;br&gt;&lt;br&gt;So you go to college, get a &amp;quo ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301952.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301952.html</guid>      
      <pubDate>22 Apr 2012 08:02:47 PDT</pubDate>
    </item>

    <item>
      <title>Where do you come up with your conclusions?</title>
      <description>I never said they give loans....&lt;br&gt;&lt;br&gt;YOU said:  It also provides information on educational debt relief programs,&lt;br&gt; ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301929.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301929.html</guid>      
      <pubDate>22 Apr 2012 07:41:56 PDT</pubDate>
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    <item>
      <title>Those payments</title>
      <description>for ten years, as I mentioned, can be easily paid....AND THEN THEY CAN DEFAULT AND NEVER LOOK BACK AT A BAD CREDIT RECOR ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301927.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301927.html</guid>      
      <pubDate>22 Apr 2012 07:33:18 PDT</pubDate>
    </item>

    <item>
      <title>RE:There are no businesses that I know of</title>
      <description>&lt;b&gt;There are no businesses that I know of that actually give a loan and then give information to those borrowing on how ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301917.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301917.html</guid>      
      <pubDate>22 Apr 2012 07:33:13 PDT</pubDate>
    </item>

    <item>
      <title>This was actually posted under Diana&apos;s post to JP</title>
      <description>where she said I ignore everybody when I don&apos;t have an answer.  For some reason it posted in the wrong spot. ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301926.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301926.html</guid>      
      <pubDate>22 Apr 2012 07:29:03 PDT</pubDate>
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    <item>
      <title>RE: No I didn&apos;t link to that group.</title>
      <description>YES you did&lt;br&gt;&lt;br&gt;&lt;a href=&quot;http://www.usnews.com/education/blogs/student-loan-ranger/2012/03/21/learn-what-the-student- ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301932.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301932.html</guid>      
      <pubDate>22 Apr 2012 07:29:01 PDT</pubDate>
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    <item>
      <title>I had an answer....JP never</title>
      <description>asked the question, Diane.  See my new post below.  I have no problem debating or discussing a topic when the person I&apos;m ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301931.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301931.html</guid>      
      <pubDate>22 Apr 2012 07:26:20 PDT</pubDate>
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    <item>
      <title>No I didn&apos;t link to</title>
      <description>that group.....look at my original post with those two links.  One was to the actual bill and one was to a story by USNe ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301916.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301916.html</guid>      
      <pubDate>22 Apr 2012 07:20:29 PDT</pubDate>
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    <item>
      <title>RE:  all will be forgiven in ten years after only 10%</title>
      <description>AND in those 10 years.....IF you&lt;br&gt;&lt;br&gt;&lt;b&gt;Default&lt;br&gt;&lt;br&gt;If you default, it means you failed to make payments on your s ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301915.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301915.html</guid>      
      <pubDate>22 Apr 2012 07:17:48 PDT</pubDate>
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    <item>
      <title>No, Toni ignores everyone when</title>
      <description>she can&apos;t think of an answer.&lt;br&gt;&lt;br&gt;Diana ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301923.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301923.html</guid>      
      <pubDate>22 Apr 2012 06:51:30 PDT</pubDate>
    </item>

    <item>
      <title>RE:  The site you linked to gives students information</title>
      <description>&lt;b&gt;The site you linked to gives students information on how to &apos;beat&apos; the system into giving them their education&lt;/b&gt;&lt;br ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301911.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301911.html</guid>      
      <pubDate>22 Apr 2012 06:09:25 PDT</pubDate>
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    <item>
      <title>By these guys, you mean</title>
      <description>Student Loan Ranger&lt;br&gt;Equal Justice Works&amp;#174; is a national nonprofit organization working to provide public interest ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301867.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301867.html</guid>      
      <pubDate>22 Apr 2012 05:41:24 PDT</pubDate>
    </item>

    <item>
      <title>These guys say</title>
      <description>&lt;b&gt;forced to find ways to pay&lt;/b&gt;&lt;br&gt;&lt;br&gt;you say taxpayers are forced to pay....&lt;br&gt;&lt;br&gt;Which is it? ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301865.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301865.html</guid>      
      <pubDate>22 Apr 2012 05:17:49 PDT</pubDate>
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    <item>
      <title>My problem is the same</title>
      <description>as everybody else&apos;s problem......BO took over the student loan &apos;industry&apos; forcing taxpayers to pick up the tab and bail ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301885.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301885.html</guid>      
      <pubDate>22 Apr 2012 04:46:35 PDT</pubDate>
    </item>

    <item>
      <title>RE;  dependent upon the government and others</title>
      <description>dependent upon the government and others to take care of them&lt;br&gt;&lt;br&gt;&lt;a href=&quot;http://www.usnews.com/education/blogs/stud ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301894.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301894.html</guid>      
      <pubDate>22 Apr 2012 04:30:24 PDT</pubDate>
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    <item>
      <title>Well</title>
      <description>I posted this because I hoped to have a real discussion about the folly of BO and how his &apos;spread the wealth&apos; agenda was ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301873.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301873.html</guid>      
      <pubDate>22 Apr 2012 03:21:42 PDT</pubDate>
    </item>

    <item>
      <title>Toni was ignoring him.</title>
      <description>Does that clear it up? ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301817.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301817.html</guid>      
      <pubDate>21 Apr 2012 19:33:38 PDT</pubDate>
    </item>

    <item>
      <title>almost never?....Thank you.</title>
      <description>Turn that frown upside down and&lt;br&gt;&lt;br&gt;Go from the presence of a foolish man, when thou perceivest not in him the lips o ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301806.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301806.html</guid>      
      <pubDate>21 Apr 2012 19:02:15 PDT</pubDate>
    </item>

    <item>
      <title>Now I&apos;m the fool or the wise man?</title>
      <description> ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301802.html</link>
      <guid isPermalink="true">http://forums.cnet.com/7726-6130_102-5301802.html</guid>      
      <pubDate>21 Apr 2012 18:27:26 PDT</pubDate>
    </item>

    <item>
      <title>Is that all you noticed?</title>
      <description>maybe she felt a biblical moment, like from proverbs.&lt;br&gt;&lt;br&gt;Proverbs 26:4 - Answer not a fool according to his folly, l ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301768.html</link>
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      <pubDate>21 Apr 2012 16:36:47 PDT</pubDate>
    </item>

    <item>
      <title>almost never</title>
      <description>&lt;img border=&quot;0&quot; src=&quot;http://www.cnet.com/i/mb/emoticons/sad.gif&quot; alt=&quot;sad&quot;&gt; ...</description>
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      <pubDate>21 Apr 2012 16:30:29 PDT</pubDate>
    </item>

    <item>
      <title>Isn&apos;t that what you&apos;re saying?</title>
      <description>Don&apos;t have kids because they get student loans that default?&lt;br&gt;&lt;br&gt;I notice you didn&apos;t answer the question.&lt;br&gt;&lt;br&gt;Dian ...</description>
      <link>http://forums.cnet.com/7726-6130_102-5301726.html</link>
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      <pubDate>21 Apr 2012 14:21:00 PDT</pubDate>
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