Joke of the Day: Affordable Healthcare

I’ve avoided any commentary on the Affordable Care Act mainly because I don’t quite understand the nuances that are supposed to be the keys to the whole system.

What I do understand though is this: Nobody knows what they’re doing.

Again, I’m not totally sure of how to make the system work, but there are people that do. Unfortunately, I don’t think those folks have the connections to Washington that seem to be garnering the employment of every failed level of building affordable health care.

It would be easy to say that I’m just Obama bashing, but I empathize with the fact that he isn’t the one writing code, nor is he really the person making the hiring decisions, but he did accept his role as figurehead and therefore should be held accountable for the decisions being made under him. If nothing else, flex a little bit of that influence that he seemed to have in the last two elections.

What brings me to the state I’m in at this point, is the fact that, to me, instead of addressing the problem swiftly, the government is too concerned with saying sorry and trying not to look like the bad guy. Personally I’d rather them say nothing until the site is up, and functional, before we have any more statements like the one above about fumbling when it comes to the roll out.

At a certain point, words don’t count for anything and action is all that matters. I really wish that everyone had recognized that a little sooner, but there’s no need to live in the past.

Now, as far as a solution.


Video: CBS

Gee, that’s weird, programmers, that write code, that were able to create a functional healthcare website on less than a shoestring budget…

I don’t know about you, but that leads me to believe that there is some serious gap between Washington and reality, if we live in a time when no money can be spent on a system that works, while the government hemorrhages money on a site that has been nothing but bad.

For the most part, we all know that there is a ton of tech talent in California, but it’s also in New York and Philly, so why don’t we start asking those guys and girls for help? I’m baffled by the fact that we have all of these brilliant minds, but Washington can’t seem to wrap their heads around the concept that there are people that do this for a living.

Like I said when I started, I don’t understand the nuances and the processes that go into making the Affordable Care Act an actual functioning thing, but I seriously doubt that Washington understands it either, and for that, I feel every American is entitled to a little bit of disappointment.

Student Loans: What They Don’t Understand

“I guess the best advice is to use your head when you are making loans and not to go over your head, to think about the job you’re trying to get and whether or not it is going to provide the income that will sustain your family and enable you to repay your loan.” (USA Today)

I thought it would be best to jump right in with that gem that Molly Corbett, American Council on Education, gave USA Today.

Corbett, President Obama, governors, it doesn’t matter who is speaking about student loans, none of them actually know how the system is working.

1344097308800_2637639someecards.com

As I did my best in college to make responsible loan decisions, this is how the one-sided conversation really went:

Welcome to college, how will you pay for it?

Oh, your father lost his job? That’s too bad, here, take this higher interest loan. You don’t want it? Well, you can’t afford to attend school without it, good luck.

We see you accepted our offer last year, and your dad found a job, that’s great! We see that he only makes half of what he did before, and you’ve got two loans that we’re cutting back, just take this Parent Loan. They can’t afford it because you’re sister is starting college next year? Well, you won’t be able to pay for school without it, and we’ll just make a note to make sure we only give your sister these options, that way we can catch her with these loans at the beginning.

Congratulations, you graduated! Now, we know this is one of the worst economies ever, and that you can’t find a job, so we’ll set your payments around $500.

Oh, you can’t afford that… Hm. Just ask your parents for help.

They still can’t afford it? That’s right, you have a sister, well congratulations on graduating, but we’re still going to need that money.

Student Loan Image

I only accepted federal student loans while I was in college, but I am paying back Sallie Mae and Great Lakes, a non-profit student loan group that I send money to every month. With that being said, I find it hard to believe that the government is actually concerned with my financial well-being, since they already made their money by selling my loans to two other companies.

The truth is, there is no job post-graduation that will provide the magic sustainability to repay loans and start a family, it simply will not happen. Personally, I am paying for loans from each semester I was in school, in addition to the loans that my parents had to take out on my behalf.

Why?

Because it isn’t my parents’ education. It was mine. Unfortunately, being responsible for yourself isn’t what pays loans or eases the burden.

Nor does losing a job.

So allow me to ask, what are college grads supposed to do when they pay their loans responsibly, because they took the first job that came their way, but that job comes to an end without a replacement to be seen?

Why should students pursuing a better future be penalized for doing things in the order it was prescribed to them?

The student loan problem will never be fixed, because there is too much money to be made from it. Thanks to the inflation of college, tuition is never going to be checked. The colleges raise tuition, they get paid by the banks making the loans, then the banks make money by sticking their hands in the pockets of the students and their families.

You tell me where the problem is, and if you really think the government cares.