User talk:Qzkxgorb

For profit colleges, aka colleges that operate for a profit, aka the only schools that buy pop up ads, are a $30 billion industry, with millions of students nationwide. But much like that guy in high school with the bitchin' mullet and radical IROC, just because they're popular doesn't mean they have the best reputation. We wanted to know how accurate that rep really is, so we sat down with "Stephen," a former professor at one such college in Ohio. Not so with Steve's school: "At my campus, I'd say that nine out of every ten professors don't have an educational background.""Hey Dave, drop what you're doing. We need someone for Marketing 401."

He was sure to point out that sometimes this led to great teachers, like the former hotel manager who became a professor of Hospitality Management: "He was honest about complaints, nipping lice infestations in the bud, and tons of other terrible things normal HM classes barely cover." But that's not a universal truth.

"Like, they may be an accountant during the day, but they moonlight teaching that at schools like mine . those teachers could be really good . But most had no idea how to teach. I sat in on a class going through economics, and . the 'professor's' laptop gave the blue screen of death. He was a nice guy in his late 20s, and he immediately panicked." Since the students were paying dearly for that professor's time, they kept right on asking questions, like "What's the difference between macro and micro economics?" Steve recalled, "He had a deer in the headlights look and he froze for 15 seconds. Finally, he said 'Macro is big economies and Micro is individual economies. Like Bill Gates' economy.'"

"Hold on, Wikipedia's gone down."

Those of you who know a little bit about economics might recognize that as complete fucking gibberish. Eventually, Steve and another teacher listening in had to call him out on his bullshit and give the class some proper answers, but, "When we gave the right definitions and answers to everything, he defended his answers as being correct. He was fired the next day."Once he'd started telling shitty teacher stories, Steve couldn't stop. He told us about an accounting teacher in his 70s who told students "any math you couldn't do by hand wasn't worth teaching." Another particularly enterprising educator gave out a two week assignment to "have his students do his and his family's taxes, giving bonus points to the ones who had found the way to have them owe the least." Steve added, "He lasted three semesters."They Target Poor Minority Students And Con Them Into Taking LoansFor profit colleges promise students who didn't do well in high school a chance at a real college degree for far less than fancy university prices. And since everyone gets in, your past doesn't matter.30 day payday loans ITT Tech will take any breathing human being who applies. It's like the Little League of higher education, minus the Capri Sun at the end of every session.

These colleges sell themselves as a "way out" of poverty and desperation to people who are poor and directionless. Ninety six percent of ALL for profit students take out loans, compared to 57 percent of those at normal public college. And while the average college student only has an 8 percent chance of defaulting on their loan in the first few years, for profit students have a 25 percent chance.

It should come as no surprise that investigations have shown that many for profits do in fact target low income people who can't pay. These people are often minorities. One investigation turned up the training manual for recruiters at the for profit college Vatterott, including a list of ideal types of people to recruit:

Leadership Conference on Human Rights

Has To Use Library's Internet To Fill Out Application

Thought They Saw A Ghost One Time

Steve noticed the same thing at his school: "Most of my students made minimum wage, and over half were black. Every one of my students had a loan, and it's all they ever talked about. Some felt strong armed into them, but some wanted them. They lived off of them. They wanted the loans as another source of income because they couldn't make ends meet with their regular jobs. They took a few classes to keep up appearances, but I would always know why they were really there. Every college has these students, but at my college, I had several in every class I taught. I never knew what happened to them after the semester and they were 20 or 40 grand in debt. Many struggled to make ends meet, and the college offered an easy way to get loans. What did you think was going to happen?""Thanks for the mortgage payment."

For profit universities vastly prefer loans  and the long term, interest bearing income they generate   to straight cash payments. So much so that they often don't take cash: "One student in particular told me that she had $20,000 from an inheritance in cash, but ran into roadblocks everywhere. My college wouldn't accept cash, so she tried a check. They told her they couldn't, since they had too many issues with bounced checks. She then tried paying online in full, but she was told she shouldn't because 'What if you decide to drop a class? Would you still want to pay for it?' She then tried monthly payments, but she was informed she was too late to sign up. She could only take a loan."It's usually a red flag when a business won't let you purchase their one product.

Schools like the University of Phoenix depend on student loans to survive. In fact, the latter actively instructs their "Phoenixes" to borrow the max amount. And how could that possibly backfire? For profit universities are one of the major causes of the current student loan debt crisis. So if you're a New Yorker who had your daily commute fucked up by Occupy Wall Street, you can blame like half of that on the Participation Trophy of colleges.