Appreciate your post. I will respond to each under your post:
1. Supply and demand? I'm not going to look up stats, so take it as opinion only, but I believe a HUGE problem is that these people can't AFFORD to pay $150k in tuition and are borrowing it to support their effort. The nation only now sees the horror in predatory lending re: overextending terms to offer individuals housing that they couldn't afford... this is the exact same slippery slope.
---Sure it is. In my opinion, we need universal higher education. Barring that, the new loan forgiveness and debt capping programs provides all people the OPPORTUNITY to pursue advanced degrees. It is not like the debt is simply being forgiven - an individual has to make 10 consecutive years of responsible payments to have his or her debts forgiven.
Is the new system ideal? No. But I would rather pay out a small portion of my taxes to support higher education than to support corporate bonuses. Being that half of corporations do not even pay income taxes while most Americans do, I do not have a problem with the common guy (or gal, whatever the case may be) getting help in this way to complete schooling.
2. The loan forgiveness program being manipulated by people who attended outrageously expensive pay for play schools makes my stomach turn. Where do people think this money will come from anyway? We have 9 more years to see if anyone's loans are actually cancelled out... I'm not holding my breath. Especially with the way the new law has been twisted to fit the needs of predatory "schools" as a marketing tool.
---In what ways have these "new laws been twisted to fit the needs of predatory schools?" The new law largely is paid for through a change in the loan program. In the past, the federal government subsidized banks and private student loan companies who gave out student loans. Now the government is directly providing loans, saving hundreds of millions annually. This is a simplistic statement, but one that seems to fit - Banks and lenders lose, students win.
3. I haven't seen your other
posts about healthcare but this one is entirely off point and more rhetoric than fact. Complex human behavior influences decisions about how an individual chooses to care for themselves including whether or not they will make positive and healthy life decisions INCLUDING obtaining preventative care and even seeking out emergent care for acute issues. IT is not as simple as the rich get health care and everyone else is screwed. Health disparities are a complicated field study influenced by issues of socioeconomics, race, cultural traditions, geography, region, sociocultural and religious beliefs, etc. Your over-simplification of it is an offense to me.
---Of course there are a mileau of reasons that people do not have health insurance. Nonetheless, there are 40 million uninsured. And many of them are simply priced out of the marketplace or thrown out by health insurance companies. Healthcare costs are the #1 reason people go bankrupt - fortunately I have never had that happen to me. Most psychologists I suspect have not, as they tend to come from advantaged backgrounds. But it does happen.
4. Having a reason for a decision does nothing to encourage me to support/like/approve of the aforementioned decision. Stating that geographic reasons prevent someone from pursuing a traditional PhD program essentially takes the arrogant stance that those who do travel for doctoral work have less responsibility/more freedom than those who stay. MANY people pick up and move with families, disabled children, dying parents, financial hardships, severe anxiety about the move, etc, etc. The entitlement complex that exists with some people blows my mind.
---I too moved across the country to attend my current graduate program (well half way across the country
). I did so independently, as I have no financial support besides myself. I know others who have moved in spite of a variety of obstacles. That is great for them. However, I also know people who could not bear to leave loved ones behind, could not leave elderly behind, etc. People have different needs. People who do not move shouldn't be told "screw you" or your "not dedicated" or "not worthy" solely because they will not move across the country. As a budding psychologist, I am surprised more of us aren't concerned about the variety of human factors that can impact decision making and well being.
5. GRE/GPA and re-invention? Sure, I'm all for it... but honestly, I think it's crap. I had a really rough GPA, barely 3.0 undergrad, and I had not grand GRE's... above average but not 1600 for sure... but I still secured multiple well-respected opportunities for myself over the years. I did what I had to do to stay in a player on a certain half of the field without going into areas that I considered to be out of bounds (pay for play professional schools). There are ALWAYS ways to better yourself within the realm of the existing systems. I'm all for creating change and inventing alternative solutions but when the end result is to weaken the overall existing structure, then really, how can you argue that your motivation for the change was anything other than pure selfishness? My personal values lead me to hesitate contribution unless I believe, 100%, that I will bolster the existing system or re-structure it in a way that benefits the whole rather than only myself and/or a few people.
---This last paragraph above is particularly convoluted (no offense).
Congratulations on moving ahead in spite of barely having a 3.0 undergrad GPA. I am sure many in the professional school students would like to have had your great GRE score and the opportunity to attend a university if they could. Unfortunately, for whatever reason, it didn't work out for them as it did for you. Likewise, congratulations on not having to take out $100,000 + in loans. I have also avoided such debt. I am appreciative of that. Its good that we avoided falling into extensive debt for school.
So its unethical to take out loans and "pay for play" at professional schools. I personally do not like the idea of for-profit professional schools either - but I do not think I would say someone is "anything other than pure selfishness." for doing so. If they were truly selfish, why would they even enter our field. You can get a two-years associate degree and get a job that pays the same or more than many psychologists with a phd earn (i.e. nursing).
So your statement really makes no sense to me. Someone is trying to improve themselves and contribute in a positive way to society by going to a professional schools - and that makes them unethical and evil (what you are implying, I believe, as you state such people who attend professional schools are selfish). It sounds to me like rotten grapes - you got in, so screw anyone else who did not.
Just my 3 cents...[/QUOTE]
---Just my 3 cents