You married somebody who took out 140k in loans, and thr best they got was a public service job. Lofl
Assuming your âwifeâ figured it out, based in your bullshit narrative, amd my guess that your some 30 year old retard. Ahe probably went to some calstate, meaning per semester she oulled out 2.5 to 2.8k, a total of 6k max, before the jump in price from 2.8 to 3.2k in 2014.
Assuming ahe did this full time, that means that her stint at for actual B.S studies was 2 years. Unless she did engineering, which is a 3 year commitment based in the credit total, but can be shrunk to 2.5 years if the course work is 16 units for 2 semesters. So lets be fair and say 2.5 years,
Thats 15k in loans. But wait, thats assuming she took loans for that, and didnt defer for pell grants, which pay upwards to 2.5 to 3k per semester depending on your income bracket. Provided your parents nakes less than 60k, and there are 4 kids, you are guatanteed 2.5k minimum in pell grants per semester. Assuming she qualified for this, this means she would only have to take out 8k in loans.
This also impkies she isnt working or her parents are providing additonal income.
So, CC is essentially free in thr US due to pell grants. Assuming you cant afford it, one can wait until they are independent or opt out as a tax deduction making them elgible on the spot (after 24 years of age, or yearly income of 10k min per year)
That leaves graduate program. A masters is only 2 years at most in terms of class. It can be done in 1.5 years due to the 24 unit requirment at calstate or the UC program. If she opts out for the test option, an additinal 6 units are needed which often pushes a masters to 2 years. If a theais is opted, it only reuores 2 semsetwes of full time research. And a thesis defense.
Provided ahes as smart as you clain, she would have opted to start her thesis woth her peofeasor of choice as soon as she enrolled. In fact, depending on your motivation, you can complete a masters with a full thesis defense in 1.5 years.
Lets assume she does what most people do, wait 1.5 years into it. Ends up doing 3 years instead of 2. At calstate the masters program is inly roughly 10% more than an undergrad. Assuming your age, that means she was probably old e ough when california elected to tax itself to keep calstate prices low. Meaning she was still only goi g to pay at most, 3k per semseter full time. Because you are no longer elgible for a pell grant, the total cost for this comes out toâŚ
18k total investment for her masters if she got it at calstate. Assuming she went to a UC, and not that meme school berkley, and stayed local, per semseter her tuition cost can be anywhere from 10k per yearto 12k.
Thats 36k at most
Assuming no pellgrants where awarded because she was too dumb to understand tax law and the loopholes she could use to make college free, she would have most payed, assuming she went to a UC
36k + 15k + 2k at most for CC due to the unit cost back in 08 was 15$.
Thats 53k. That means you married somebody so bad with money, descison making skills, she took out almost 3x what was needed.
Unless she went to usc, but usc or caltech to get her masters. But if she went to those schools she wouldnt be working some low tier public sector job, and she wouldnt be starving for my taxes to pay of her loans because both of you are gucking terrible with money.
At the time, usc was more like 25k per year, and caltech 35k. Even assuming the 3 year stint, your wife still took out about 40k more than needed.
Assuming im a lonny lyft druver with a mad scuence van.
My currwnt tax rate means im keeping a significant amount of my money, vs her whose spending 1200$ per month to meet the 10 year deadline associated with student loans. Accounting for whats a 6% interest rate on the non subsidized loans, youre probably paying closer to 1500 to 1600 $ per month on some stupid fucking degree. As a RoI, it was a shit descision.
So yeah, my small investment into my science van, is objectivly a better RoI than your degree, because accounti g for the money your wife is easted, amd this isnt accounting for the money you wasted going to a pharmacy school after your initial B.S, which btw, are fucking expensive because they are all private, i will end up making more gross income with my lyft job than you ever will.
You fucking brainlet
