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I Paid Off My Entire Student Debt Years Ago, But I Gladly Support Student Debt Forgiveness

When I was in grade school, I got beaten up by a bully. It was painful, humiliating, and left lasting scars that I would not want anyone to experience.

When I was still in college, I tried to put together my first website that I hoped would help me make a few extra bucks on the side. I even paid for this service that was supposed to help get my site listed on major search engines at the time. That turned out to be a scam and I lost $150 at a time when I couldn’t afford to loes that kind of money. I don’t want anyone to experience that, either.

We all have experiences in our lives that we don’t wish for others to experience. It’s a big reason why parents strive to create better lives for their children, especially if they themselves had a difficult upbringing. I’ve known people who had horribly abusive parents, but they made it a point to ensure their children got the love and kindness that she never got.

This is an objectively good and moral thing. It’s something most are inclined to celebrate and support. So, with all that in mind, why should forgiving student loan debt be any different?

It had been talked about and entertained a great deal during the 2020 Presidential Election. Some candidates even made it a central part of their platform. But earlier this week, it became official. President Biden announced that a sizable chunk of student loan debt for millions of Americans would be forgiven.

USA Today: ‘Debt and no degree’: Biden cancels as much as $20K in student loan debt: Recap

Now, I understand there are a lot of political machinations behind moves like this, none of which I’m smart enough to make sense of, let alone articulate. I also understand there are some real, logistical reasons as to why forgiving student loan debt is difficult and will likely incur a greater cost in the near and far future. I’m sure I’ll notice that cost personally at some point.

All that being said, I still strongly support this. I would even support more student loan debt forgiveness, especially for those who were hit hardest by the COVID-19 pandemic and the economic downturn it triggered. And I say that as someone who paid off every penny of his debt back in 2011.

I know that makes me a bit of an anomaly, especially when compared to my peers in my graduating class. I knew some people who had taken out as much as $100,000 in loans in order to go to college. It wasn’t because they were reckless or stupid. They just came from families who could not afford to save money for college without starving. They also didn’t qualify for grants or scholarships.

And for the record, many of these peers were not majoring in “useless degrees.” I didn’t know a single person majoring in gender studies, philosophy, or underwater basket weaving. Most majored in things like engineering, medicine, and computer science. They were smart people who had the skills to get quality jobs as soon as they graduated. But not all of them were able to find jobs and even those that did still had what amounted to a mortgage payment cutting into their salary every month.

This is not a tenable system.

It’s also not how other industrialized countries do higher education.

In general, sending young people to college is an investment in people. We, the tax paying public, understand that there’s social and economic value in educating people at a high level. It’s a critical component for a functioning, prosperous society. And we don’t do that society any favors by shackling them with a massive amount of debt that they can’t get rid of, even in bankruptcy.

Looking back on it, I probably could’ve moved forward in my life much faster if I didn’t graduate with the debt I had. Granted, my debt was considerably smaller than most, but it still ensured I had to live at home a number of years and couldn’t afford any major investments, be it retirement or a car. I can only imagine how much further it held back peers with far bigger debts.

On top of that, the cost of college has gotten considerably more expensive since I graduated. I even went back and checked the tuition from my old school. Even with in-state benefits, I would’ve paid more than twice the amount I paid for the same degree. And the job market after I graduated would be nowhere near what it was years ago.

Despite these circumstances, as well as the undeniable burdens that come with being shackled with so much debt, I still here a common complaint from those who oppose student loan debt forgiveness. It has similar themes, but it usually boils down to comments like this.

“You took out a big loan? Too bad! Get a job and pay it back, you lazy moochers!”

“I paid back all my debt years ago. Why should you get to avoid paying yours?”

“It’s not fair! I didn’t even get to go to college because I was too poor. Why should I pay for your degree?”

Now, first off, if you’ve ever said something like this out loud to another human being who is currently struggling to keep up with loan payments in a terrible job market still recovering from a pandemic, I have one thing to say to you.

Fuck you.

Seriously, fuck all the way off.

Second, if your opposition boils down to all these young people getting an advantage you never got when you were that age, know that that’s a total bullshit reason. Even if you paid all your debts off by hard work and sacrifice, who are you to force millions of young people to do the same? Their situation is different. Times have changed a great deal since you were in college. They’ve changed a great deal in the past five years alone.

These aren’t all the self-entitled brats you hear Bill Maher and Tucker Carlson whining about every week. Those people do exist, but they’re an extreme minority who just happen to whine the loudest. Most of the millions of students who will benefit from this program are genuine, hard-working young people trying to build better lives. They just can’t do that when they’re shackled with this kind of debt.

To ignore their plight because you think it’s unfair to those who paid off their debts isn’t just a dick move. It makes no sense. Think back to those incidents I mentioned earlier about enduring a hardship that I wouldn’t wish on others. Dealing with student loans is a serious hardship. And even if you got out of it, why condemn others to suffer?

That’s akin to opposing polio vaccines, antibiotics, and lead free paint because you had to deal with the world before all these terrible things. So you want others to deal with it too. That’s not fair. That’s not just. That’s just you being a cruel, sadistic prick to millions of your fellow Americans.

Again, fuck you.

I don’t care that I paid off all my loans already. I don’t care that many young people will get to skip the hardships I endured when I was younger. If anything, I will gladly cheer on those who benefit from this act. You have an opportunity I never enjoyed. I sincerely hope to make the most of it.

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A Frightening (But Possible) Scenario For The Near Future

It has been a strange, scary, and distressing time for the United States of America. Anyone who has been following the news in any capacity these past five years would likely agree. Between the politics, the culture wars, and people whining about female characters in “Star Wars,” it has gotten quite ugly.

I also sincerely regret that I have likely contributed to that ugliness at times. I don’t deny that I have written things on this site that, in hindsight, were probably misguided in terms of both intent and overall point.

However, I won’t go so far as to delete what I’ve written or deny that I ever felt differently than I do now. I just accept that there have been times in my life where I believed, accepted, and propagated things I thought to be right, but eventually realized were wrong.

That’s neither good nor bad.

That’s just life and how your perspective changes with time.

Except now, I’m at an age where it’s a little easier to see the forest from the trees, with respect to current events. Not long ago, I thought I understood the general arc of politics, trends, cultural issues, and what not. I could see the patterns that began with people whining about Marilyn Manson and “South Park” in the 90s and culminated with people whining about diversity in children’s shows and boob armor today.

I now realize I was wrong, yet again.

I didn’t know just how messy, regressive, and irrational these issues could be, even in a first world country like the United States of America.

If I ever gave the impression that I was more informed than most, I apologize. I’m not. I know now that I hadn’t been on this planet long enough to see just how bad things could get or how much large groups of people could collectively deny objective reality.

As a result, the optimism with which I once harbored about the future of America and the human race in general has taken a severe hit. I won’t say it’s utterly dead, but it is on life support at the moment. With each passing day, I see people with objectively un-American ideas about freedom claiming they’re the true patriots. I also see people exercising blatant, unambitious hypocrisy and paying no price and feeling no shame.

Now, in wake of the Supreme Court’s ruling overturning Roe v. Wade and setting abortion rights back 50 years, I’m just about out of hope. It’s not just that I’m strongly against forcing women to have babies they don’t want or using misguided religious zealotry to justify certain laws, policies, or positions. These are all positions that a vast majority of people don’t agree with.

The same goes for organized religion. It has been in steady decline for decades. Young people, especially, are no longer buying into this old dogma. Despite that, the religious right has never been more powerful and it shows no signs of waning. And I’ve been on this planet long enough to understand something disheartening and distressing.

When uptight, repressive people gain power, they seek to use it. And they will use it in ways that are bound to be unpopular, damaging, and destructive. Since my beliefs, politics, and background are not at all in line with these zealots, I will likely feel that impact. I might not feel it as much as others, but I will feel it.

I don’t claim to know the future. I also know that things always change, no matter how hopeful or bleak they seem. However, given the cycles I’ve seen and the trends I’ve seen throughout my adult life, I get the sense the direction of that change is not going in a good direction. Moreover, it’ll never go in the direction it needs to for more people to prosper.

In order to illustrate this sentiment, I want to offer the following scenario that may or may not be a result of ongoing trends.


The year is 20XX.

The White House, both sides of Congress, and the Supreme Court are dominated by conservative Christian republicans. They’ve spent the past two years furthering their agenda, passing wildly unpopular policies that curtail abortion rights, denigrate LGBTQ communities, undermine public education, and embolden politically connected religious organizations.

Now, the mid-terms are coming up and it looks very likely that they’ll lose control of Congress. Several prominent democrats even promise to block any further policies by the religious right. However, rather than accept the loss of power that comes with every election cycle, leaders in the religious right decide to take action.

First, they start passing laws meant to “preserve democracy,” but end up limiting peoples’ ability to vote.

Then, they start promoting stories claiming that the other side is preparing to cheat during the election.

Then, they elevate news stories of questionable credibility that claim operatives within the democratic party have been arrested or charged with potential election crimes.

Then, in the name of preserving democracy, the upcoming election is deferred several months.

Then, protests and outrage break out across many major cities.

Then, the republican president declares a state of emergency, which includes enacting martial law within multiple states, especially those likely to have democratic governors or majorities.

Then, the National Guard and local police are deployed to quell riots and ensure peace.

Then, mass arrests take place. The fact that many of those arrested happen to be democrats or minorities is claimed to be just a coincidence or unrelated.

Then, voting rights for those arrested and charged with crimes are suspended.

Then, “special elections” take place, but under strict rules governed by a republican Congress and many republican dominated state governments.

Then, democratic leaders sue and attempt to block the act, but the conservative Supreme Court rules against them.

Then, the election results are in and, despite vast swaths of the public not being able to or allowed to vote, the conservative Christian republican candidates win and win big.

Then, armed with this new power, they alter more rules regarding elections and legislation in the name of “preserving the peace” or “protecting the public” or “maintaining democracy.”

In the end, the only citizens who are allowed to or are capable of voting are conservative Christian republicans and the only candidates they can vote for just happen to be conservative Christians. As a result, more regressive laws are passed that are not at all popular, let alone constitutional.

But that doesn’t matter at this point. It’s too late. They have the power and they’re never letting it go again.


Now, what I just described is only one possible scenario. I freely admit it’s an extreme scenario, not unlike what played out in “The Handmaid’s Tale.” However, extreme or not, the possibility is there, as are the disturbing trends.

The reversal of Roe vs. Wade and the domination of the Supreme Court by conservative right wing Christian may very well be the first act in a new trend. I’ve seen throughout my adult life how bold and unapologetic these types of shameless bullies can be.

It doesn’t matter if they’re caught lying.

It doesn’t matter if they’re caught in an act of blatant hypocrisy.

It doesn’t even matter if someone finds out they paid their mistress to get an abortion.

They face no consequences and feel no shame. They keep getting away with their deplorable behavior and they have every incentive to seek more power and influence. So long as they get the right people to vote for them, use the flaws of the system to their advantage, and depend on the relative apathy of most citizens, they’ll remain in power and they’ll keep securing more.

That’s always the endgame. It’ll go on as long as there’s are new opportunities and no obstacles, be they laws or people, to get in their way. And at this point, I honestly don’t know if there’s enough obstacles anymore.

Encouraging people to vote doesn’t seem to work anymore because voting has become so diluted in the United States. Unless you live in a swing state, it really doesn’t matter.

Encouraging people to protest doesn’t seem to matter, either. At most, it just inconveniences people who are rich, powerful, and capable of hiring private security. They literally have no incentive to change anything about what they’re doing or why they’re doing it.

I wish I knew of a solution or recourse. I really do. Maybe there is and I’m just not smart enough to realize it, let alone articulate it. But at the moment, I’ve never been less hopeful about the future of the United States and the human race in general. I really hope I’m wrong about my current outlook, but I’m not sure what could change these distressing trends.

If we’re at a point where we can’t even agree on objective reality anymore, then what hope do we have of creating a better reality for our future?

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What I Plan To Do With My Stimulus Check (And Suggestions For Others)

For anyone on social security or disability, getting regular money from the government is not a novel concept. It’s part of the social contract in many western style democracies. You work for much of your life. You contribute to society and the economy. Then, at a certain age, we make an effort to return the favor.

It’s noble and reasonable system, despite what some libertarians would have you believe. I have close family members who use it. I’m happy to pay into that system to help them.

However, the global pandemic that unfolded last year did a lot to shake up the system. I’ve covered some of those shake-ups before, but I’d like to highlight one byproduct in particular. As it just so happens, it’s one of the less dour results of this horrible crisis.

It has to do with money, specifically the money many people got in the form of stimulus checks last year. For many who aren’t retired or over 65, it was a big deal. The economic impact of the pandemic was nothing short of catastrophic. Even after nearly a year, many people still haven’t recovered. A few parts of the economy probably never will.

These stimulus checks weren’t meant to be a perfect solution. They were a band aid and some would argue they weren’t a good one. Personally, I disagree. I think it has opened people up to the idea that a government should take care of all its citizens, especially during a global crisis.

What a concept, right?

It is capable of sending everyone money. It’s just a matter of political will, which is always messy to say the least.

That will was enough to earn most of us two stimulus checks thus far. To date, I’ve received $1,800, with $1,200 coming from the first and $600 coming from the next. After the recent bill that made it through Congress, I received another $1,400.

Again, it’s a band aid. I doubt this will do much to fix the serious problems that many others are still dealing with, but it’s better than nothing. I certainly welcome this money. I even have an idea on how to spend it.

That’s noteworthy because, unlike the previous stimulus checks, I can actually spend this money on something non-essential. My first stimulus check went largely to paying down debts and a few overdue home repairs that I didn’t want to put off. The second went to some car repairs that I wanted to take care of before winter rolled in.

In hindsight, those were smart investments. The stimulus didn’t pay for all of it, but it did help ease the strain on my wallet.

This latest $1,400 promises to do more than just pay down my usual living expenses. As of now, assuming no unexpected costs come my way, I want to put this money towards something I know I’ll get plenty of use from.

To that end, I hope to put this money towards a new computer.

At the moment, I’m working on a computer that I bought back in 2015. Now, this computer has served me very well. I’ve made many videos and written many sexy short stories on it. However, for the past two years, it has shown its age.

It’s starting to slow down considerably. Just rebooting it takes way too long. It’s also struggling to handle the video editing software that I’ve come to rely on for my YouTube channel. If I want to keep making that kind of content, I need a better system that can handle better software.

It also doesn’t help that my previous PC wasn’t exactly top-of-the-line. It wasn’t cheap, either. I usually buy computer hardware that’s somewhere in the middle. This time, however, I want to buy something that’s a bit beyond that.

That doesn’t mean I’ll buy the most expensive system I can find. This stimulus money simply means I can buy more than usual. Hopefully, it’ll get me a system that’ll last a good long while. In addition, I hope it can handle some better video editing software, which I hope will show in future videos.

That’s my plan, for now. It’s always subject to change, a hard lesson we all had to learn in 2020. If you’re getting a stimulus check too, I hope you get to use it on something like this, as well. Maybe a new computer is a worthy investment. Maybe it’s something else.

Whatever it is, especially if you’re not retired, I hope it’s something useful. If you have other ideas on how to use this money, please share it in the comments. We’re almost through this mess. Some of us aren’t going to get a check like this from the government for years. I say let’s make the most of it.

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Happy President’s Day America! (Let’s Try To Appreciate That)

Hello, my fellow Americans.

As many of you know, it’s President’s Day. In most years, that’s just a day off from school or work, as well as a formal acknowledgement of America’s history. It’s our indirect way of appreciating the ideals of American democracy and the people who made it possible.

However, this isn’t most years. Hell, last year wasn’t most years and not just because of a historic pandemic. The events of January 6 at the Capitol didn’t help much, either.

Many others have already said it, but it still holds true. America is very divided. That’s not an opinion. It’s backed up by real numbers. Half of Americans hate each other, based on their political ideology. There’s no respectful disagreements. There’s just a growing us-versus-them mentality and it’s incredibly toxic.

Since a new president was sworn in last month, there have been a lot of talk about unity and healing. That talk hasn’t resulted in much, in the grand scheme of things. Many Americans still hate each other. They also still refuse to accept that a President they didn’t like or vote for won the election.

How do we come back from that?

How do we heal from that?

How do we ever get to a point where we can just get along again?

I honestly don’t know. I wish I did. I really do. As a proud American who loves his country as much as any patriotic American, I want to see us do better. I want to see us transcend our flaws, of which there are many, and become more akin to the vision that our founders set out to create.

I don’t expect it to start today. I don’t expect it to start tomorrow, either. However, I believe in making the effort.

Maybe today is a day when we can all start trying. Even if you didn’t vote for the current President, don’t let that stop you from making America the best it can possibly be. Look forward to the future and not to the past. See your fellow Americans as fellow Americans and not an insurgent army.

I know that’s asking a lot. I also understand there are some people who truly cannot be reached. They will not be satisfied until America, as we know it, is destroyed and rebuilt in their own perverse image. Those people are an extreme minority, but they often talk the loudest and resort to violence most readily.

Let’s not let them derail the vision for a better America.

Let’s not let them keep us divided.

We’re Americans. We are lucky beyond measure to be born in this great land. In our country, a President is not a King, but they are those tasked with carrying America forward. They’ll continue to do their part. That’s why we elected them. Now, on this President’s Day, let’s do ours.

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A Post-Inauguration Letter To America

I’m a proud American. I celebrate, value, and promote the ideals that America stands far. I don’t ignore its flaws, nor do I overlook the egregious mistakes that it and its people have made in the past. That still doesn’t stop me from appreciating all that America strives to be.

Saying all that the day after Inauguration Day shouldn’t feel so dramatic. It really shouldn’t. However, the past year has really shaken up the political and social landscape, albeit in a very distressing manner.

I don’t want to get into the details of why, how, and who’s responsible for all these distressing disruptions. I know that, by doing so, I’ll only invite the wrath and whining of people intent proving their particular ideology or politician is right. I’d rather not do that. I feel like there’s been enough of that in recent years.

Instead, I want to send my own personal letter to America and its new President. Think of it as an addendum of the letter I sent the day after the attack on the Capitol. That was the low point of low points. Today, I’d like to start raising the bar for this great country once more.

It all comes back to one simple notion that I still believe, even after everything that has happened this past year.

We can do better than this.

We can be better than this.

We can and should start working towards a better future rather than trying to realize an idealized past.

I know that all sounds like simple platitudes. Some may even find it corny and empty. I don’t care. I still think they’re worth putting out there to my fellow Americans, including the ones who vehemently disagree with me and did not vote for the new President.

I believe those people can be better too. I don’t think they’re terrible people for voting as they did or for believing what they believe. I do think some are misguided, some more so than others. There are times they say and do things that I find to be genuinely hurtful, hateful, and divisive. It goes beyond disagreeing with them and towards feeling genuinely threatened.

That’s painful because I’m related to some of these people. I have close friends and relatives who avidly and proudly espouse political views that I find repugnant. I do what I can to separate the views from the actual people, but that’s not always easy, especially after what happened at the Capitol.

I genuinely worry about some of them. They have great passion for their positions, but when they argue from a misguided standpoint, it gets disconcerting to say the least. However, I cannot forget that they are still Americans. They still live in this country and want to see it thrive, albeit in their own misguided away.

We may never fully agree on all the issues.

We may never genuinely like one another on every level.

At the very least, I still believe we can all find a way to live together in a way that brings peace and prosperity to both of us.

That’s the message I want to send to my fellow Americans as a new President and a new administration begins. We have many challenges ahead of us, the least of which involves a once-in-a-century pandemic that has killed thousands. We’re not going to overcome these challenges by endlessly insulting one another for our politics.

At some point, we do have to tolerate one another to maintain a civilized society. We have to live together, work together, and even learn from one another as we move forward.

Like it or not, another day will come. The sun will set on one Presidential administration and rise on another. In 2024, we’ll go through the process again. We don’t know what state the world will be in by then, but we can all assume we’ll still have many challenges before us.

That’s something to remember for the future.

For now, let’s focus on the present.

Let today be the first day when we close our eyes, grit our teeth, and try to look forward. I know it’s tempting to look back on all the frustration, derision, mistakes, and injustices of the past. We shouldn’t forget them, but we also shouldn’t be defined by them. We cannot change the past. We can only effect the future before us.

Let’s begin that process today.

On this day, let’s remember that we’re all still Americans.

We still love, value, and celebrate this wonderful country. Whoever you are and however you voted, never forget what that means. Let’s not just focus on making it great. Let’s work to make it better than it has ever been.

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