Minna took 22 207.16 euro loan for 4 years of college
She was not working at the time
Eventually she committed wholly on studies
https://yle.fi/a/74-20048627
Minna, 22, gradauted in 2023 and now has to payback over 22 000 loan. And she cant find a job for her combined arts / humanitarian college degree so things look rather grim.
She really hopes that tax payers could pay it while she starts taking unemployment benefit.
Student loan in Germany (Bafög) is fucking great.
Paying it back is easy too, what's the prob...
>Arts degree
Ah of fucking course. But since she's a woman she has an easy way out by fucking someone who pays it all off for her
>Student loan in Germany (Bafög) is fucking great.
Well, it's a pretty easy way to leech of the government.
>takes a loan
>only has to pay back 50%
I don't like it
It's also capped by 10000 euros and if you pay back at once it will be like 8k. So taking as much of it as possible is actually beneficial
>So taking as much of it as possible is actually beneficial
Exactly. Not the type of behaviour I'd like to encourage in young adults.
UK system is also pretty generous, leftist still moan they are being raped by the government.
>only pay it off while earning a certain amount
>cancelled if you die
>cancelled by time you retire
i think only like a quarter of people ever pay it off
It's fascinating how israelites have conditioned the Goyim to think that taking huge debt just for an education is okay.
I knew of this moron who was bitching about paying back a student loan who had been out of collage for 15 years, whining like a little bitch. SO I asked him why cant you get a job in your field and stop being a bus boy with a collage degree.
>He squealed, I majored in Museum Curating!
I LAUGHED IN HIS FACE!
> not debt maxxing & running away to ASEAN
NGMI
That's not even that much money. She could pay that off in a couple years living at home and working as a waitress. Some retard on here was bitching about how he was $200,000 in debt for his engineering degree. When people explained to him he should have to cc and transferred to a public school he got butthurt and started talking about his ABET accredited 'prestigious' private school. I don't understand what these retards think they're doing.
It's Finland, she's fucked. If she can't find a job because she got a useless degree the interest will eat her alive.
>waitress
You need a license and often a special education to work in any food related establishment. And as stated she can't even find jobs in her own field. Even McDonalds would not take her.
So she's just retarded and lived in her dream world until now.
I thought that the interest is not that high on Finnish student loans. Am I wrong or is it dependent on the amount? Forgive my retardation, I am not highly intelligent.
The interests have rose rapidly in recent years.
The interest is usually euribor 12 or 3 + 0.5% marginal. So for a 20000€ student loan the interest is like 75€ a month atm
Student loan literally has no interest and the paytime is like 15 years or so. Depends.
What are you smoking?
Dumbass, it is EURIBOR connected and the EURIBOR got fucked up thanks to israeliteLENSKY NOT NEGOTIATING WITH PUTIN
I will join russian army if I default my loans. Mark my words, globohomo.
Yes, a whooping 0,5 to 1% oh my god!!
https://yle.fi/a/74-20014600
And you can always negotiate your own loans.
Jesus christ the zoomers really think they should get everything free when they already get it.
Even in here, where the education financing is supposed to be brutal, it's not hard to graduate debt free or with low interest loans for reasonable amounts. There are people who take difficult degrees and just never bother to figure out how the system works. They never apply for scholarships, don't take community college credits "because that's for losers", they don't work university jobs, etc. They just pay the sticker price like sucker retards. I don't feel sorry for these people.
>Jesus christ the zoomers really think they should get everything free when they already get it.
No fucking wonder given how entitled boomers are. Honestly she just has to survive till 65 to coast off UBI
Euribor is 4%. Bank wants 0.5% bonus
0.045*30000=1350 annual interest.
Imagine , you expect you are educated but cannot do calc? The fuck. And your kind of people knows people so you got the job. LMAO CLOWN WORLD
You didnt read the calculator did you? Even that doesnt give so high interest rates.
Also; 1350 is 112euro A MONTH.
THATS LITERALLY NOTHING. WHAT THE FUCK.
>You need a license and often a special education to work in any food related establishment.
Doubt. At least the way you make it look. In Germany you need a "license" as well, getting it requires you to sit trough a 30 minute presentation about properly washing your hands (indians and pakis still manage to fail here alltough there is no test done).
So what are you talking about? I bet I could fly to Finland tomorrow and be a waiter by monday.
You would sit whole day and pay 200 euros plus tip to have a licence to wash hands.
>200 euro plus a handy and a day of my time wasted
>to get a job
sounds alright
>nepotist contacts
>to work as a fucking waiter
You can't be serious man.
I'm serious. You're talking about a country with no restaurant culture. Becoming a waiter is special. Don't forget the nepotism has a real reason here as it's almost impossible to fire bad workers. You need to trust who you hire.
to get a job from mcdonalds. If you are proactive. They pay some 8euros per hour -tax
He's right. You won't get a job as a waitress, at a store or literally anywhere else that requires only minimum education without knowing someone. She's actually lucky because she's a woman, men don't get employed for customer service jobs at all
>(indians and pakis still manage to fail here alltough there is no test done)
In those countries, they wash their hand by plunging their hands into a mound of fresh shit, they believe the fresher the shit the better, you should see the joy on their faces when they scrape up a fresh shit on the street and wash themselves.
If you have the nepotist contacts to make that work. Finland is not Germany. I've never been able to get jobs within the country unless it was through family and friends.
you need a license and special education to work as a waitress? what the fuck, just ask people what they want to order and hand them the food
There is no tipping so they take only the best waitresses usually with trade school background
Handling food unlicensed is seen as a hygienic risk.
We gotta have a talk with India then
>You need a license and often a special education to work in any food related establishment
When I worked at Little Caesars as a teen, they told me I was required to get a "food handlers permit". What this meant was going down to the Department of Licensing, paying like $10, and taking a test. And it wasn't even something you had to study for. Rather, they make you watch a video on food safety, and then you take a short test to verify you understood all of it.
Do you Finns really make restaurant jobs more complicated than that?
>Do you Finns really make restaurant jobs more complicated than that?
Excess labour, youth unemployment being 50%+
>You need a license and often a special education to work in any food related establishment.
Here you can learn how to be a waiter in a 3-month course
Should have gone to Burger University, stupid bitch.
Tell me booba and coquettishness is an entry criteria to the courses
Academia is a fraud, this girl also probably didn't have a father in her life though.
Don't take loans OR study a fucking degree with some serious return. Of you take loans for retarded degrees is your choice, and your fault. Stupid choices and ignorance It's not an excuse to get away for free from any situation. In nature, a stupid animal dies
I took 5000€ of that same student loan, fucked up in college, switched to study programming, now I'm employed, and have been for the past six months. I could have paid my shit back after a couple of months of working, but I didn't and I won't. They're going to have to wait a while (years) until I care enough to pay them. He he he I am a rascal.
Pay 50-100 euros a month, it will improve your credit.
It wont. He just builds up intrests whivh are over 4% annual. If I were him, I would pay all in once. This would stop the israelites.
That's what I was planning as well as soon as I've got enough money in my pockets. I suppose that really is the best strategy to pay small debts, huh?
Before israelitekraine war you could literallly just pay few hundred per month, even below 150 and they would be managed easily. You would have not even noticed the loan even you were a complete NEET
So I can get into even more debt? Just kidding, that's a solid idea.
>the world works the same as my burgerstate
I hate you
>I hate you
I don't even think about you
>I don't even think about you
You don't think at all. You consume and regurgitate.
>You consume and regurgitate.
I live a Spartan life, very little possessions and I only eat a single small meal a day. Euro-Americans are better than you in every way, that's why they won't allow a white-american only region, it would dominate the world in short time. And before you talk shit, most of my family lives in Europe and I visit them regularly.
>I only eat a single small meal a day
same
That's a big ass paragraph that I'm not gonna read. Interesting that you cared enough to write it though, considering your previously claimed that you aren't thinking about "me" at all. If that was the case, why bother? Why waste your time on me?
Minna better learn to suck a good dick
Artistic pursuits benefit society, despite not being rewarded enough by capitalism. Therefore the state should fund the arts.
I could go with this, as long as they allowed everyone to be represented in funding, and not just gays and brown people.
Yes, you are expected to take it. It caps at 30 000 as then the months of support stop.
If she cannot find jobs, she can just default it and live 15 years until they are forgiven. Sadly you lose all credit scores and you have to prepay all services.
boomers take 90% of social benefits. don't give a fuck about news like these
Why not take a useful course and do an artsy study when you can afford it?
I thought you eurofag poors had free college and healthcare and zero innovation?
They are free, but the israelites decided to half goverment support during days of study, so you technically starve if you don't take the loan.
You could also take shit mc jobs, but that would drain your energy
That's a big lie.
The college is free. The government pays students like 500 eurobucks a month and you have to pay rent and everything with that. Of course it's not enough to pay for everything so you have to work part time or take a loan.
Wise tbh. I wish i'd maxed out student loans on my youth.
Only fraud here is Eurofags talking about their free education and then you see this bitch with all this debt.
SAD!
This. Euronaggers need to shut their mouths about muh free college
College is free. Rich kids just have their moms pay their food while goverment pays their housing. They can even live in moms and dads basement if she lives nearby. Poor kids from rural areas have to take the loan and are debt slaved.
Well...education itself is free from charge but living cost still exists. Some people working evenings while they studing days but some people living only with student loans.
I know many who just fail and fail classes as they just work. No degree for them. Hopefully the job pays well
How do people come on this board and say pay back your debts? Unless it is 50k+ for anything but a modest home then who fucking cares
Now you see Europeans in this thread debating pay back debts for a child who doesn't give a fuck they want a specific degree because everyone in their life told them they must be smart they must be employed so you must sign whatever paper will get you to your ends, and all it is in the end is paper
she did not even graduate. I hate this swedish spambot that lurks finnish news and translates them badly
>/misc/ is against every single thing under the sun supported by israelites
>except loans, theyre attached at the fucking hip to this issue apparently.
You guys pat these israelite on the back for these predatory practices
>hurrrrrr HURRRRRRRRR you shoulda known!!!!!
Don’t be an obtuse homosexual. You know exactly how they force this ultimatum that it’s college or nothing for many highschool kids in America. What fucking 18 year old is worrying about loans down the line? Not many. OH ALSO
>inb4 some retarded homosexual thinks because I made this post I HAVE to be someone with loans.
Nope you’re just a homosexual
I don’t want 100% of loans forgiven. Especially not for the liberal arts cock suckers, but some of these kids do need some sort of help.
LIAR
I THOUGHT COLLEGE WAS FREE IN EUROPE
>arts / humanitarian
Nice, she learned to be a professional whore.
>And she cant find a job for her combined arts / humanitarian college degree
Yes she can, it's called flipping burgers.
You probably meant 'sucking cocks'
That requires a min lvl a looks she might or might not have. But I digress, it's a very real possibility.
>tax payers could pay it while she starts taking unemployment benefit.
lol
LOLOLOLOL
i hate womans so much it's unreal
She probably gets more NEETbucks than typical polak workman lol
we don't get neetbucks here to get a neetbuck you need to work for a year and then you get i think 300 zł for half year
Its an investment. If you study something with value and good job opportunities… 20k isn’t that much.
But yep … she didn’t…
22k isn't that much
>art degree
oh no it's over
>go to uni
>just get held back a year
>repeat and never graduate
>always take new courses like a hamster wheel
If youre still in school then the payments never start.
This lol.
Meanwhile just start a paid internship somewhere and get money.
Academia is such an great racket. I worked a real job in the trades before I went back to school, and I couldn't believe what an awesome scam the whole university ecosystem was. They paid for my food lodging and tuition for my 4 years as a completely mediocre B student, and all I had to do was work a joke library job and occasionally attend classes.
G-guys... i've been debt slaved by the Shekelberg... i have to pay... 100 bucks the next 10 years... a month... how did they end up ruling us bros...? How did we let this happen...
She literally just has to become an escort and fuck 200 men, that's very easy to do in a single year.
As an arts/humanitarian major that's probably she's been doing anyway, so at least now she's getting paid.
22 yo can charge much more than 100, so more like 20 men only.
> She really hopes that tax payers could pay it
People pay willingly tax for banks that fuck them over but student loans are too much kek
I bought btc with my student loan during 2018-2020
And the result was? Your mother paid your losses?
Degrees are a scam. Universities are a trust pyramid scheme. You’re entitled to a refund if you didn’t receive what was paid for with imaginary money. Write it off.
better off no ones pays the israelite who loaned out money they printed up out of thin air and just realize THE MONEY YOU ARE USING IS SHIT and start over
Bla-bla-bla....She could get than sum on one day from Onlyfans like others doing....but no she just like complaining..lazy bitch.
It’s “Free college!!” After you spend 37% of your tax every month of every year until you die. Also nobody talks about the expenses of living while going to “free college” because you can’t work full time because you’ll most likely have a student loan which is also taxed at 37% so you’ll have to share a flat with 6 other room mates just to scrape by, then you realize that the free college was all a scam and your peers are in their 30s-40s still trying to get a degree in a field that pays well because the last few degrees they got were shit. Honestly i should just move to the US at this point and make a shit load of money with my degree than sit here and watch my salary get smaller and smaller every year because I need to help the next generation pay for their schooling. I fucking hate it, I talked to a guy from the US who goes to my school and he has 3 cars and a fucking 5 bedroom house at 24 years old without even going to university all because he delivered missing luggage at an airport part time making 600$ a day. I couldn’t imagine getting paid 600$ a day without being anally blasted by taxes.
The point is you are not qualified enough to get work in USA. You talk about it but eventually no would give a job some never heard guy from some ever heard country.
>The point is you are not qualified enough to get work in USA. You talk about it but eventually no would give a job some never heard guy from some ever heard country.
These are some pretty great delusions in this thread, they only let the devil into this country if you actually knew anything.
Lads... its over... i'll never financically recover from this... a 120euro a month... to a loan i took..
why didn't she take student job. It's usually case here when studying, unless your parents have money. Who the fuck takes loans for university. J know americans take them, but those are for scholarship