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#1
basically im getting £3000 a year student loan for maintenance, but im not living away from home therefore i dont need to use the money but i thought i will take it anyway as it will be probably the cheapest loan i will ever get (its currently at 0%!)

therefore since ive been poor during the whole of sixth form (even though ive had a job the whole time but due to car maintenance + drinking) i think i deserve to spend a fair amount on stuff during my 3 year degree, the list i have so far is;

-iphone 4
-guitar cab (laney or marshall)
-clothes
- about 5 gig tickets (chimaira, whitechapel+jfac, dillenger escape plan, as i lay dying, all shall perish)

now i need some suggestions on what else to get, im thinking some cool gadget or something, any good ones i see i shall put on the list, for the record, i dont want any sex toys or porn hah

all suggestions are appreciated
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#2
Me. Anything else would be a waste.
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#3
students that live with their parents get loans in your country?
That's completely ridiculous.


Anyways, I suggest you buy a cool mic and preamp to record your amp.

Perhaps... from a fellow UG'er, with a "For sale" link in his sig?

EDIT: seriously though, save the money or pay it back. If you don't need it, don't get a loan. Save up for things instead.
Last edited by CoreysMonster at Jul 16, 2010,
#6
Get a Jackal58, they're pretty useful.
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#7
Quote by CoreysMonster
students that live with their parents get loans in your country?
That's completely ridiculous.


Anyways, I suggest you buy a cool mic and preamp to record your amp.

Perhaps... from a fellow UG'er, with a "For sale" link in his sig?

Only 1 advertisement in 7 minutes?
#8
Quote by genghisgandhi
Pay back the loan?

^This. Borrowing money that you dont need is what got this country into the credit/housing crisis. Learn from past mistakes.
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#10
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Get a Jackal58, they're pretty useful.

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#13
its 0% interest and i can take up to 50 years to pay it back, the remainder i have left over 50 years is written off, and i only have to start paying it back when i earn over £15000 a year,

the loan total over 3 years is roughly £9000, im looking to spend £1000 of that
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#14
Quote by breadstick
So this is where the taxpayers money goes...

yeah, nice to know that people who are still getting everything from ma and pa get money from the government shoved up their ass. That'll teach 'em about money and credit!
TS, I cannot stress this enough. Don't get stupid shit that you don't need with your student loans. That's not what they're for.
#15
Quote by ChazBcWarlock
basically im getting £3000 a year student loan for maintenance, but im not living away from home therefore i dont need to use the money but i thought i will take it anyway as it will be probably the cheapest loan i will ever get (its currently at 0%!)

therefore since ive been poor during the whole of sixth form (even though ive had a job the whole time but due to car maintenance + drinking) i think i deserve to spend a fair amount on stuff during my 3 year degree, the list i have so far is;

-iphone 4
-guitar cab (laney or marshall)
-clothes
- about 5 gig tickets (chimaira, whitechapel+jfac, dillenger escape plan, as i lay dying, all shall perish)

now i need some suggestions on what else to get, im thinking some cool gadget or something, any good ones i see i shall put on the list, for the record, i dont want any sex toys or porn hah

all suggestions are appreciated

You should consider getting a brain.
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Thanks for the advice. I'm going to put it, along with your other advice, into a book, the pages of which I will then use to wipe my ass.
#16
Kids won't learn that credit =/= money.
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#17
i dont actually get money from my parents, hence why i had to have a job during the two years of sixth form, and i also have a job now aswell, my parents rarely pay for anything which i wouldnt expect them to do anyway,

ive got a tascam usb interface already but a mic is a good idea,

the taxpayers money doesnt disappear as it gets paid back, also the current government are looking to increase the interest rates to account of inflation, so no money is actually being lost
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#18
Quote by CoreysMonster
yeah, nice to know that people who are still getting everything from ma and pa get money from the government shoved up their ass. That'll teach 'em about money and credit!
TS, I cannot stress this enough. Don't get stupid shit that you don't need with your student loans. That's not what they're for.

This.
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#19
Quote by CoreysMonster
yeah, nice to know that people who are still getting everything from ma and pa get money from the government shoved up their ass. That'll teach 'em about money and credit!
TS, I cannot stress this enough. Don't get stupid shit that you don't need with your student loans. That's not what they're for.

*See my previous post*

Loans are for what you NEED. Not what you want. The reason America'a economy is falling apart is because people were given access to loans/credit lines and they were like "Ive got 30 years to pay it off. I can just get more shit now. " Now theyre like "Shit, I wanst paying attention, and now I owe the credit cards $25,000, and I still havent paid shit on my house, or my car. But I got lots of nice shit, huh?"
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#20
You'll end up getting it in installments anyway, so it'll be 1000 each term. I wouldn't blow it all on loadsa shit initially (although that is pretty rich coming from me considering that with last years installments first thing I did was buy loadsa shit I didn't need). You're best keeping quite allot of it for generally sociallising I'd guess, unless you have a job or something. There are a few internet site showing how you can invest some of your loan in order to make a profit. I'd ignore what other people are saying though and get the money if they're offering it, it's 0% interest and considering these are the 'best days of your life' you'd be a fool to spend your time broke.
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#21
the government are also giving me a grant of roughly £1500 as im doing a public services which could lead to police or army (i cant due to medical reasons as ive already tried) or civil servant,
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#22
Do not take out a student loan you don't need!!! Believe meeeeeeee.
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#23
Quote by Jhay_Dee
You'll end up getting it in installments anyway, so it'll be 1000 each term. I wouldn't blow it all on loadsa shit initially (although that is pretty rich coming from me considering that with last years installments first thing I did was buy loadsa shit I didn't need). You're best keeping quite allot of it for generally sociallising I'd guess, unless you have a job or something. There are a few internet site showing how you can invest some of your loan in order to make a profit. I'd ignore what other people are saying though and get the money if they're offering it, it's 0% interest and considering these are the 'best days of your life' you'd be a fool to spend your time broke.


thats my point, im looking to spend the grant, which the government have given to me and which i dont have to give back, and roughly like £1000 from the £9000 i get in total, i wont spend it all at once, just as and when i need it, i also have a job to pay for car maintenance and socialising etc
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#24
Quote by ChazBcWarlock
its 0% interest and i can take up to 50 years to pay it back, the remainder i have left over 50 years is written off, and i only have to start paying it back when i earn over £15000 a year,

the loan total over 3 years is roughly £9000, im looking to spend £1000 of that


From that I read between the lines that you find a £15k salary job within 50 years to be unlikely.
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#26
Quote by ChazBcWarlock
basically im getting £3000 a year student loan for maintenance, but im not living away from home therefore i dont need to use the money but i thought i will take it anyway as it will be probably the cheapest loan i will ever get (its currently at 0%!)

therefore since ive been poor during the whole of sixth form (even though ive had a job the whole time but due to car maintenance + drinking) i think i deserve to spend a fair amount on stuff during my 3 year degree, the list i have so far is;

-iphone 4
-guitar cab (laney or marshall)
-clothes
- about 5 gig tickets (chimaira, whitechapel+jfac, dillenger escape plan, as i lay dying, all shall perish)

now i need some suggestions on what else to get, im thinking some cool gadget or something, any good ones i see i shall put on the list, for the record, i dont want any sex toys or porn hah

all suggestions are appreciated


Ugh. I didn't realise people liked them by the time they reached university. Bet you're reading Media Studies.
Quote by DrewsGotTheLife
yea man, who ever doesnt like pantera or think they suck doesnt like metal, end of discussion, they changed the freakin world n made history, so don't be sayin they suck, have respect, same goes for machine head n lamb of god cuz their good too
#27
Quote by freddaahh
Ugh. I didn't realise people liked them by the time they reached university. Bet you're reading Media Studies.



public services, and music taste is subjective, so get your head out of your arse
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#28
Quote by ChazBcWarlock
public services, and music taste is subjective, so get your head out of your arse


Is that a real degree? Or one of the ones magically created by the last government to push everyone into university to improve their unemployment figures? I imagine you will be engrossed deeply in the enlightening study of firemen response times in Wiltshire from 1972.

It's warm up there, and I can listen to my Schubert and Agalloch in my bowels.
Quote by DrewsGotTheLife
yea man, who ever doesnt like pantera or think they suck doesnt like metal, end of discussion, they changed the freakin world n made history, so don't be sayin they suck, have respect, same goes for machine head n lamb of god cuz their good too
#29
Credit =/= Money
Loan =/= Money
Using credit/loans as money = fück yourself up

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#31
Quote by freddaahh
Is that a real degree? Or one of the ones magically created by the last government to push everyone into university to improve their unemployment figures? I imagine you will be engrossed deeply in the enlightening study of firemen response times in Wiltshire from 1972.

It's warm up there, and I can listen to my Schubert and Agalloch in my bowels.


yes it is, you can criticize any degree with that attitude, if you actually looked at the degree you wouldnt think that, i cant be arsed to try and support my point to cynics
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#32
Quote by freddaahh
Is that a real degree? Or one of the ones magically created by the last government to push everyone into university to improve their unemployment figures? I imagine you will be engrossed deeply in the enlightening study of firemen response times in Wiltshire from 1972.

It's warm up there, and I can listen to my Schubert and Agalloch in my bowels.


There's no question that university is being used for that, but you can hardly start calling public services 'not a propper degree' (I know I'm paraphrasing, but your entire post stinks of that kinds of degree snobbery), Public Services is fairly career oriented.

Degree snobbery is rediculous. I love the way people love to lambast subjects like Media Studies, whilst ignoring the fact pretty much all the 'propper' degrees are pretty much pointless and non-career oriented.
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#33
the amount of people i know who have masters in science degrees but can only get jobs as teaching assistants is ridiculous, this is a practical degree with links to actual career prospects
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#34
Quote by ChazBcWarlock
yes it is, you can criticize any degree with that attitude, if you actually looked at the degree you wouldnt think that, i cant be arsed to try and support my point to cynics


http://www.hlss.mmu.ac.uk/polphil/undergrad/course.php?id=55

Seriously, what's the fucking point in it? It looks like work experience, gawping at computers and eventually becoming a civil servant, who will get made redundant.
Quote by DrewsGotTheLife
yea man, who ever doesnt like pantera or think they suck doesnt like metal, end of discussion, they changed the freakin world n made history, so don't be sayin they suck, have respect, same goes for machine head n lamb of god cuz their good too
#35
Quote by freddaahh


Seriously, what's the fucking point in it? It looks like work experience, gawping at computers and eventually becoming a civil servant, who will get made redundant.

Not to mention that all the civil servants I know at least, are the most boring people in existence. So you probably will end up that way too.

Spend that money while you can and be interesting! Before you start collecting steam-train models and have friends called Rodney and Derek.
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#37
It's not 0% interest. If you don't need the money, try and use it to earn some more before you have to give it back.
#38
Awesome! Now even TS is off topic.

Dragging us back to the point: Spending loan money on stuff you want is a stupid idea and the reason the economy is falling to shit. Dont do it, TS.
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#39
Quote by Jhay_Dee
There's no question that university is being used for that, but you can hardly start calling public services 'not a propper degree' (I know I'm paraphrasing, but your entire post stinks of that kinds of degree snobbery), Public Services is fairly career oriented.

Degree snobbery is rediculous. I love the way people love to lambast subjects like Media Studies, whilst ignoring the fact pretty much all the 'propper' degrees are pretty much pointless and non-career oriented.


Degrees shouldn't be used for purely getting a job. You may call it snobbery or elitism, but the point of university is for academic study, for immersion in a subject one loves. It is not designed to just stick you on the conveyor belt to employment. And, with the vast increase in the number of graduates and kinds of degrees, the merit of a degree is lessened. There's a reason why so many graduates are out of work, is because there's so bloody many of them that a degree is less special.
Quote by DrewsGotTheLife
yea man, who ever doesnt like pantera or think they suck doesnt like metal, end of discussion, they changed the freakin world n made history, so don't be sayin they suck, have respect, same goes for machine head n lamb of god cuz their good too
#40
if i put it in a savings account i will actually make money, i am looking to join the police, i just said civil servant was an option

@freddahh what is a good degree then in your opinion?
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Last edited by ChazBcWarlock at Jul 16, 2010,
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