Students Need More Financial Help

Federal Student Aid Office, Please Take A Moment To Step In Our Shoes

Maybe if you saw it from our perspective, you'd see how confusing student loans are.


I just do not understand the concept of loans.

OK, maybe I do, and I just really dislike the concept.

Anyone who begins the loan process knows just how painful it can be. I just think the fact of the matter is, whoever is top dog at deciding the interest rate, should be taking in consideration a little more than an income.

Honestly, I am going to be real here, most of us who apply for loans do not have access to the money right away. There is no way we can pay that back in a short period of time, which is why they give you something like 10-15 year plans to pay it off.

Anyone who has loans knows that the interest rate is never your friend. It will eat you alive. So for those of you who think you are getting away with only taking out $5000, I am very sorry to disappoint but you will be paying at the least, double that amount. All because of interest, and those of you who have to take out a $10000 loan will actually be paying somewhere around $25000.

Yeah, I know.

Do not forget about those federal subsidized and unsubsidized loans your school gives you to pay back after you graduate. Don't you forget about those. Oh, I see you only had to take out $4000? Well, add on interest, so that puts you to about $9000, and oh boy that $6000 worth of federal loans just snuck up on you like that. So looks like you are paying roughly $15000. Just for year. HA. Wow. OK. I need a tissue.

So, it is definitely a good to start paying off while you are in school, if you can afford it, because then it will probably save you a couple thousand.

Just please let me know where these people (loan distributors) think I am going to get all that money from. Most definitely not from my job that pays me minimum wage, or my four-year old brother.

There are plenty of external and internal circumstances I think they should be taking into consideration. Like, whether or not you help pay rent in your house because your mother/father doesn't work, or maybe the fact that you are busting your a** everyday working overtime every week, to help support your family of 8, or what about the ones who work 2 jobs, plays a sport, and still cannot afford to buy himself/herself a new pair of sneakers? Think about the ones who come home from a long day just to clean up the empty bottles of beer piled on the table, or who takes the beating so their siblings can have a better life, or how about those who come from foster homes?

What about them? Take that into consideration before digging our financial grave.

We don't ask for the life we have, we were given it. We were thrown into poverty, divorce, fighting, gangs, drugs, abuse, etc. We didn't ask for it. Sometimes, people are blessed with a baby at an age you aren't capable of nurturing, and that's OK, but they didn't ask for it. At least, I hope not.

I hope I made the point of the fact that there are a lot of us out there who can't show the state of living we are in, just our income. And, there are a lot of us who I think are unfairly given and unfair interest rate, or not enough financial aid.

Trust me, we all need help, some more than others.

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An Open Letter To Democrats From A Millennial Republican

Why being a Republican doesn't mean I'm inhuman.

Dear Democrats,

I have a few things to say to you — all of you.

You probably don't know me. But you think you do. Because I am a Republican.

Gasp. Shock. Horror. The usual. I know it all. I hear it every time I come out of the conservative closet here at my liberal arts university.

SEE ALSO: What I Mean When I Say I'm A Young Republican

“You're a Republican?" people ask, saying the word in the same tone that Draco Malfoy says “Mudblood."

I know that not all Democrats feel about Republicans this way. Honestly, I can't even say for certain that most of them do. But in my experience, saying you're a Republican on a liberal college campus has the same effect as telling someone you're a child molester.

You see, in this day and age, with leaders of the Republican Party standing up and spouting unfortunately ridiculous phrases like “build a wall," and standing next to Kim Davis in Kentucky after her release, we Republicans are given an extreme stereotype. If you're a Republican, you're a bigot. You don't believe in marriage equality. You don't believe in racial equality. You don't believe in a woman's right to choose. You're extremely religious and want to impose it on everyone else.

Unfortunately, stereotypes are rooted in truth. There are some people out there who really do think these things and feel this way. And it makes me mad. The far right is so far right that they make the rest of us look bad. They make sure we aren't heard. Plenty of us are fed up with their theatrics and extremism.

For those of us brave enough to wear the title “Republican" in this day and age, as millennials, it's different. Many of us don't agree with these brash ideas. I'd even go as far as to say that most of us don't feel this way.

For me personally, being a Republican doesn't even mean that I automatically vote red.

When people ask me to describe my political views, I usually put it pretty simply. “Conservative, but with liberal social views."

“Oh," they say, “so you're a libertarian."

“Sure," I say. But that's the thing. I'm not really a libertarian.

Here's what I believe:

I believe in marriage equality. I believe in feminism. I believe in racial equality. I don't want to defund Planned Parenthood. I believe in birth control. I believe in a woman's right to choose. I believe in welfare. I believe more funds should be allocated to the public school system.

Then what's the problem? Obviously, I'm a Democrat then, right?

Wrong. Because I have other beliefs too.

Yes, I believe in the right to choose — but I'd always hope that unless a pregnancy would result in the bodily harm of the woman, that she would choose life. I believe in welfare, but I also believe that our current system is broken — there are people who don't need it receiving it, and others who need it that cannot access it.

I believe in capitalism. I believe in the right to keep and bear arms, because I believe we have a people crisis on our hands, not a gun crisis. Contrary to popular opinion, I do believe in science. I don't believe in charter schools. I believe in privatizing as many things as possible. I don't believe in Obamacare.

Obviously, there are other topics on the table. But, generally speaking, these are the types of things we millennial Republicans get flack for. And while it is OK to disagree on political beliefs, and even healthy, it is NOT OK to make snap judgments about me as a person. Identifying as a Republican does not mean I am the same as Donald Trump.

Just because I am a Republican, does not mean you know everything about me. That does not give you the right to make assumptions about who I am as a person. It is not OK for you to group me with my stereotype or condemn me for what I feel and believe. And for a party that prides itself on being so open-minded, it shocks me that many of you would be so judgmental.

So I ask you to please, please, please reexamine how you view Republicans. Chances are, you're missing some extremely important details. If you only hang out with people who belong to your own party, chances are you're missing out on great people. Because, despite what everyone believes, we are not our stereotype.


A millennial Republican

Cover Image Credit: NEWSWORK.ORG

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Why The Idea Of 'No Politics At The Dinner Table' Takes Place And Why We Should Avoid It

When did having a dialogue become so rare?


Why has the art of civilized debate and conversation become unheard of in daily life? Why is it considered impolite to talk politics with coworkers and friends? Expressing ideas and discussing different opinions should not be looked down upon.

I have a few ideas as to why this is our current societal norm.

1. Politics is personal.

Your politics can reveal a lot about who you are. Expressing these (sometimes controversial) opinions may put you in a vulnerable position. It is possible for people to draw unfair conclusions from one viewpoint you hold. This fosters a fear of judgment when it comes to our political beliefs.

Regardless of where you lie on the spectrum of political belief, there is a world of assumption that goes along with any opinion. People have a growing concern that others won't hear them out based on one belief.

As if a single opinion could tell you all that you should know about someone. Do your political opinions reflect who you are as a person? Does it reflect your hobbies? Your past?

The question becomes "are your politics indicative enough of who you are as a person to warrant a complete judgment?"

Personally, I do not think you would even scratch the surface of who I am just from knowing my political identification.

2. People are impolite.

The politics themselves are not impolite. But many people who wield passionate, political opinion act impolite and rude when it comes to those who disagree.

The avoidance of this topic among friends, family, acquaintances and just in general, is out of a desire to 'keep the peace'. Many people have friends who disagree with them and even family who disagree with them. We justify our silence out of a desire to avoid unpleasant situations.

I will offer this: It might even be better to argue with the ones you love and care about, because they already know who you are aside from your politics, and they love you unconditionally (or at least I would hope).

We should be having these unpleasant conversations. And you know what? They don't even need to be unpleasant! Shouldn't we be capable of debating in a civilized manner? Can't we find common ground?

I attribute the loss of political conversation in daily life to these factors. 'Keeping the peace' isn't an excuse. We should be discussing our opinions constantly and we should be discussing them with those who think differently.

Instead of discouraging political conversation, we should be encouraging kindness and understanding. That's how we will avoid the unpleasantness that these conversations sometimes bring.

By avoiding them altogether, we are doing our youth a disservice because they are not being exposed to government, law, and politics, and they are not learning to deal with people and ideas that they don't agree with.

Next Thanksgiving, talk politics at the table.

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