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Joined 2 years ago
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Cake day: June 5th, 2023

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  • It’s not just about traffic.

    Driving requires sitting, which we do too much already and, at these levels, is bad for our health, both mental and physical. Cars also make the world around them noisy and polluted, which also negatively affects health. Even being near the streets and not in a car is taking your life into your hands. Roads take up space that could be (and often was, in the past) devoted to housing or park space.

    Our overdependence on cars has radically altered the shape of life in America, and basically none of it for the better.




  • Depends, some are some aren’t.

    However, in my opinion, the thing that makes student loans crazy is how the payments are structured.

    With other big lifetime loans (mortgage, car, etc.), they are structured with a fixed term and the interest is factored in from the beginning. You pay $X a month for Y years, and that’s it, it’s all paid off. All you have to do is keep up with those payments, and you know how much they’ll be from the time you agree to the loan.

    Student loans are structured more like credit cards. If you just pay how much they tell you to, interest will accrue, the loan grows, it capitalizes, and the term is indefinite. You can pay on it consistently for decades and never make any progress.

    There’s practically no assistance to figure out how much you really need to pay, and sometimes even attempting to overpay to cover the interest doesn’t help, as they’ll apply the extra towards the next payment instead, and so extra interest still accrues.