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but they still qualify for something. and as inconvenient and annoying as it is, if they want to improve their living conditions enough, they will.
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And that's what I tell them:
I don't counsel anyone to go into debt, but if that's the difference between them going to school or not then that might be what they have to do. Inconvenient and annoying are hardly what I'd call it: we're talking real actual debt. When Joe Schmo makes 14 grand a year and lives on his own and gets not one dime of grant money, while Rho Slow makes 19 grand, gets about 5 grand in EIC (and tax credit), gets 3 grand a year from her boyfriend for their child, has subsidized housing and some food stamps, and medi-whateveritispoorpeopleget, and is an auto-zero EFC (meaning full pell, probably full state grant...plus they often get the max loan) you gotta wonder what Joe thinks about that. Meanwhile, Flo Glow decides to pop out a kid because she'll get plenty of help that way. Yes, I've seen it.