15 Reasons Not To Get A Student Loan

My hentai business has recovered, after ~15 months of rebuilding. A major issue in my operation before, was that I employed young Americans with student debt. I will lay out in this article the breathtaking list of reasons why you should not get a student loan, and why businesses should only recruit people who have their shit together.

Imagine you went to the bank asking for a $50 000 loan to build a business with zero experience. You would not get that loan. If you somehow magically succeeded to sleep your way into nailing that loan, your company would go bankrupt in two years. Experience is the cornerstone of success, and you get experience from making bad decisions and suffering the consequences. Despite this fact, some retarded countries allow youngsters to make a potentially life-destroying gamble.

Here are 15 reasons not to get a student loan:

1. Debt-ridden people are loyal only to money. This is the biggest issue, because a business will go through ups and downs. Some months will be worse in terms of revenue. As an employer, you may pay your guys too much out of pity. Workers with debt, cannot take risks with you; they need a steady income, thus when your shop hits a low, they will not stick around to build you up.

2. Debt-ridden people often have mental issues. I have employed workers with clinical depression, suicidal tendencies, gender dysphoria, etc. They can have days, when they will not work. Hopelessness can leave a worker to lay in bed, which causes delays to content flow, and problems with their quality of work. It is stressful for a company's leadership to have to constantly inspire, bribe, and extort depressed people to stay productive.

3. Debt-ridden people are miserable. Misery is contageous, misery is private, it's not possible to build a thriving community around miserable people. They are selfish, self-absorbed, and unable to withstand pressure. A business should be an inspiring community, so people partaking in it, will be emotionally invested in its fate through highs and lows. If your company is not making big bucks yet, you need people who are willing to make personal sacrifices.

4. Debt-ridden people have many issues other than money. A leader is not someone who micro-manages every little problem his workers have. Folks in general suffer from many problems, until they mature, and start making better life decisions. Leadership is about getting the maximum result from your workforce, with minimum effort. The most important skill of a leader is the ability to choose partners who are smart, self-motivated, capable of solving their own problems. People who take insane debt, have already passed a big test that proves their decision-making is severely impaired.

5. Student loan is a gamble that ignores risks. Imagine that you suddenly break your arm. You cannot work, your employer fires you. You're still paying for rent and food, and your debtors keep sucking your money each month that you're unemployed. Imagine the economy implodes because we hit a crisis point in the global debt cycle. There are no jobs for anybody, your joblessness prolongs into years. Your life is completely fucked, you are full of anxiety over the future. You develop depression, and doctors give you drugs the side-effects of which are suicidal thoughts. Meanwhile everybody that supposedly loved you, are too busy fighting to survive in the same wrecked economy to help you. Your fiends leave you, your wife divorces you, your parents kick you out, so you start ritually cutting yourself on the street like an emofaggot because you hate yourself so goddamn much you wanna die.

6. Top colleges / universities spend ~50% of tuition fees on marketing. The education business in America is a racket. You are not buying top education, you are paying the business expenses of a privately owned profit-oriented company that panders to your naive dreams. Your degree can be a nice-sounding worthless piece of paper that won't make any company prioritize you on their hiring list.

7. School is fucking boring non-paying work. Studying is an investment that yields very slowly, and feels like absolute shit. Many students simply drop out. In order to make education worth it, you also need a part-time job, to build up necessities like marks on your resume. If you are not hardcore, you will be struggling to stay on pace with your studies, your social skills will erode, your self-esteem will be shit because you'll be comparing yourself to exceptional people who are juggling life and studies better. They will have sex with sexy girlfriends, while ranking top in their class, while you are the lone bookworm nobody cares about.

8. Studying is a long-term investment for impatient people. Why do you want an education? Because you believe it will fast-track your career, so you'll be hired by Disney, Microsoft, Coca-Cola, or a Rotschild bank who literally print your money and own your government. If you have the patience to read books for 4+ straight years of soul-crushing misery, why the fuck are you not playing the stock market? Why not become an online poker player? If you have the insane mental focus for mind-numbing indoors work, what the hell are you doing studying? There are easier ways to make money perfectly suited for autistic rainman pieces of shit like you.

9. Education is already free, dumbass. You can buy the same school books everyone uses from stores - just ask around which books people study. If you're broke, and have no code of honor, just pirate download those same books online. There are plenty of inexpensive resources you can use; just use your search engine! Many successful entrepreneurs did not finish degrees; they studied some, but mastered their craft in practice. Education is not something you become exempt from after graduating: Businesses are always learning. The best feedback you can get, is whether customers buy the stuff you made them. You should only waste so much time on education, that you get a basic grasp of things. After that, burn the books.

10. Scam universities. I have employed several americans who never finished their degrees, but still retained their $30000+ debt. They dropped out, after they figured out their school was a total sham. Had they continued, the degree they were getting, would not have improved their standing in the job market, because the school's image was based on deceptive marketing - an employer will check the school's actual credentials. One of my guys went to a school that was later sued, and closed. The lawsuit destroyed the school, but not his debt.

11. You cannot start a business in debt. Debt is a bitch, always nagging at you to bring home more money. You have to take whatever work you can get, from whatever abusive bullshit employer that accepts you. Your debt will grow interest over time, and you're not shortening that loan unless you're making way above minimum wage. If the economy sucks, you could get stuck doing shitty wage jobs, work you don't enjoy, banking nothing after your loan payments and living expenses. You cannot start your own small business when in debt, because it takes easily two years before it pays up. In that time, your debt will default, which will fuck your life.

12. Why aren't you hustling? If you live at home, or alone in a small appartment, your living expenses are low. You can easily take some risks, and start online hustling. Start your own Youtube, Twitter, Tumblr, Facebook, Deviant Art, and start complaining about bad movies. Some of the first online entrepreneurs did nothing but complain about stupid shit. Social media accounts cost zero dollars. Opening a Paypal account costs nothing. The paperwork costs barely anything. Most software you need to make music, art, stories, reviews, videos, etc. cost very little and can be pirated. You can also go to Fiverr.com, or similar online freelancing sites, to start swindling unsuspecting customers. It won't be easy when you're just starting up, but you'll learn stuff quickly, when you have to.

13. Why not seek employment from a smaller company? Hustle a while to build your skills. Perhaps you get a lucky gig from a promising small business? Work hard and make them grow, suddenly you're permanently employed! Many entrepreneurs don't have fancy degrees. They are less likely to necessitate those papers from others. You have an easier time getting your foot in the door to an ambitious startup company. Working for a small business is a gamble, but a much better gamble than throwing tens of thousands of dollars into education. If your risks materialize, and the small business goes bankrupt, you'll walk out of it with money, and invaluable experience. You're now more confident, and more qualified, to run your own shop.

14. Seriously, why aren't you hustling? You can start with grey area work, taking gigs and getting paid on Paypal. You won't have to report to any government entities, until your yearly income exceeds $2500. Then you have to verify your Paypal, to lift the limits. When money starts really flowing, you need a bank account, and your other paperwork done. But after the rough period of initial learning is done, you can file your application for a trade name / sole proprietorship. The taxes are virtually non-existent for a trade name, thus you can start building a career in the comforts of your home, for no starting fee. With most people, it takes at least two years before you have enough experience and a fanbase, to start getting support. You think you can't be popular, but you can... I personally started when I was severely depressed.

15. School hurts your social skills. I don't know about you, but personally I had a traumatizing experience with tax-funded daycare, and public schools. I believe it's an integral part of the state system that your social skills are destroyed by abusive teachers and other students. Because if you could develop into a healthy adult, you would make lots of friends. People who are damaged by the system, continue into higher education, and from there into corporate, and public sector jobs. Many people see the corporate route as their only option, because their lack of social skills, makes them unable to create their own job opportunities.

Everything in life is uncertain. Your every decision, you base on incomplete knowledge of the future. Why all-in on education, when you can invest your money, and time, into gambles that don't risk financial suicide?

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