Some Questions, regarding USMC!

Day-Tripper said:
Since the Bankruptcy Reform Act of 2005 student loans are no longer dischargeable in bankruptcy filings. So if the debtor has student loans, they're with you for life or until paid off. Unlike any other type of debt. Even federal tax debts have a 10 year statute or they're wiped off the books. Some tax debts (federal, state & local) can even be disharged in bankruptcy.

Can't pay your mortgage? Sell your house/condo or just wait for eventual foreclosure.
Can't pay your auto loan or boat loan? Either sell or wait for lender repossession or turn over your asset voluntarily.
Can't pay your credit cards? File bankruptcy & they are almost guaranteed to be discharged.
Can't pay your student loans? It's like owing money to the Mafia. You've got to find a way to pay. Or your life is hell.

Hmmm. Now that I think about it wasn't around 2005 that cost of college education started to balloon out of whack? Might it have been related to the Bankruptcy Reform Act of that year? Colleges, realizing students could borrow more, began charging more. And more. And more. Lenders kept approving the higher & higher loans. Now student loan debt is greater than any other kind of debt. A historical anomoly which isn't going away any time soon.

Up until 2005 you get a college education with a couple of part-time jobs, being a lifeguard during the summer and maybe some some relatively small loans.

Anyone who would lend $50K or $25K per semester to the young man in question of this thread is getting an almost guaranteed repayment, with added interest, somewhere down the line. Hardly any risk at all.

Why doesn't the federal government amend the non-dischargeable element of student loans? The big lenders whom also are big time political campaign contributors (surely, just a coincidence!) would frown on legislators taking this action.

It's all about the Benjamins. It always is.
Click to expand...

Not sure where you are getting this information, but it is not altogether correct.

"Federal" student loans (Direct Subsidized and Unsubsidized Loans, PLUS loans, and Direct Consolidation Loans, etc.) have been prohibited from being discharged in bankruptcy proceedings since a 1976 amendment to the Higher Education Act of 1965.

"Private" student loans (not federally guaranteed) may in fact be dischargeable in bankruptcy:


www.reuters.com

Private student loans can be tossed in bankruptcy, appeals court rules

A New York-based federal appeals court on Thursday said that private student loans are not protected from discharge in bankruptcy.
www.reuters.com www.reuters.com

Additionally, the yearly rise in both public and private higher education costs has been fairly uniform for decades:

Fast Facts: Tuition costs of colleges and universities (76)

The NCES Fast Facts Tool provides quick answers to many education questions (National Center for Education Statistics). Get answers on Early Childhood Education, Elementary and Secondary Education and Higher Education here.
nces.ed.gov
 
I appreciate all the advice beforehand, and I apologize for "breaking-brains" of what my thoughts on these 200k in loans, etc, etc..


So let's potentially start-over....

Let's say I currently am "dead-set" on wanting to go to Embry Riddle for an Aerospace Engineering Degree... This will roughly cost around 50k/yr to amount to a total of 200k in total debt for earning the bachelor's degree...

What would be the BEST path for me in attending this school, while potentially not going into a massive amount of debt. ( I do still plan to reapply to USNA, when I get the chance - hopefully maybe something will come of that)

My dad wasn't supportive of the idea of me going straight to AD with USMC, but he is considerably better-phased when I've discussed options about doing USMC Reserves. (This way I can actually still go to college, and be apart of The Corp, as I have desired)
- My recruiter did tell me that they communicate with the school, hence if I do go to Reserves, I still have the July 18 Ship-Date, which will mean missing out a majority of my first-semester, considerably with going to boot-camp, MOS School, etc, etc.

Would this be a potential option I have that way I still have the chance to be apart of the Corp, and hence get tuition benefits of that to help fund the total of 200k over the 4-years. Obviously, tuition-assistance won't cover the full 100% of tuition, but I'm looking into an viable option.

- I am still interested in doing NROTC-MO, and I see this as potentially viable considering my Reservist requirements are to Drill each month - if this means to give up the "part-time" job that I wish to do, I am totally fine with that. I'm trying to consider all possible perspectives.
- Let's say that in the theoretical situation that I do go and do the Reserves; what if I am offered a commission with USMC at the end of my Sophomore Year, then what... does the Reservist Contract cancel?

Any thoughts to this perspective.
 
FiveByFive said:
Not sure where you are getting this information, but it is not altogether correct.

"Federal" student loans (Direct Subsidized and Unsubsidized Loans, PLUS loans, and Direct Consolidation Loans, etc.) have been prohibited from being discharged in bankruptcy proceedings since a 1976 amendment to the Higher Education Act of 1965.

"Private" student loans (not federally guaranteed) may in fact be dischargeable in bankruptcy:


www.reuters.com

Private student loans can be tossed in bankruptcy, appeals court rules

A New York-based federal appeals court on Thursday said that private student loans are not protected from discharge in bankruptcy.
www.reuters.com www.reuters.com

Additionally, the yearly rise in both public and private higher education costs has been fairly uniform for decades:

Fast Facts: Tuition costs of colleges and universities (76)

The NCES Fast Facts Tool provides quick answers to many education questions (National Center for Education Statistics). Get answers on Early Childhood Education, Elementary and Secondary Education and Higher Education here.
nces.ed.gov
Click to expand...

There had been a number of laws in earlier decades which weakened protections for student loan borrowers but the 2005 act had tremendous change for them.

Reference: https://www.theguardian.com/us-news/2019/dec/02/joe-biden-student-loan-debt-2005-act-2020

"How was it, for instance, that the sum of outstanding educational loans borrowed from private financial entities shot up from $56bn in 2005 to $150bn in just 10 years – contributing to an overall student debt burden second in the US only to home mortgages."

"Until 2005, private student loans were eligible for bankruptcy protections just like other forms of private credit. But in that year Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act, a law that made it vastly more difficult for struggling former students to rebuild their lives by discharging the debts and starting over."

Note: Then Senator Joe Biden represented Delaware, where a lot of banks are headquartered. The Benjamins.

Again: https://www.savingforcollege.com/article/history-of-student-loans-bankruptcy-discharge

"...in 2005, all qualified education loans, including most private loans, were excepted from discharge with the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act. Private student loans no longer needed to be associated with a nonprofit institution to be excepted from bankruptcy discharge."

And: https://slate.com/business/2015/04/...ation-pointlessly-screwed-over-borrowers.html

“Although the 2005 bankruptcy reform appears to have reduced rates of bankruptcy overall, the provisions making private student loan debt nondischargeable do not appear to have reduced the bankruptcy filing or default behavior of private student loan borrowers relative to other types of borrowers at meaningful levels,” the authors write. “Therefore, our analysis does not reveal debtor responses to the 2005 bankruptcy reform that would indicate widespread opportunistic behavior by private student loan borrowers before the policy change.”

"So the 2005 bankruptcy bill effectively made life a bit more miserable for hundreds of thousands of Americans in order to deal with an imaginary scourge. Worse yet, it may have encouraged the sort of risky private student lending that mirrored the subprime mortgage boom, with financial institutions shoveling debt at marginal students who were poorly positioned to ever pay it back but had no recourse in the bankruptcy courts."

The 2005 law was a game changer for the student loan business.
 
MichaelT2022 said:
I appreciate all the advice beforehand, and I apologize for "breaking-brains" of what my thoughts on these 200k in loans, etc, etc..


So let's potentially start-over....

Let's say I currently am "dead-set" on wanting to go to Embry Riddle for an Aerospace Engineering Degree... This will roughly cost around 50k/yr to amount to a total of 200k in total debt for earning the bachelor's degree...

What would be the BEST path for me in attending this school, while potentially not going into a massive amount of debt. ( I do still plan to reapply to USNA, when I get the chance - hopefully maybe something will come of that)

My dad wasn't supportive of the idea of me going straight to AD with USMC, but he is considerably better-phased when I've discussed options about doing USMC Reserves. (This way I can actually still go to college, and be apart of The Corp, as I have desired)
- My recruiter did tell me that they communicate with the school, hence if I do go to Reserves, I still have the July 18 Ship-Date, which will mean missing out a majority of my first-semester, considerably with going to boot-camp, MOS School, etc, etc.

Would this be a potential option I have that way I still have the chance to be apart of the Corp, and hence get tuition benefits of that to help fund the total of 200k over the 4-years. Obviously, tuition-assistance won't cover the full 100% of tuition, but I'm looking into an viable option.

- I am still interested in doing NROTC-MO, and I see this as potentially viable considering my Reservist requirements are to Drill each month - if this means to give up the "part-time" job that I wish to do, I am totally fine with that. I'm trying to consider all possible perspectives.
- Let's say that in the theoretical situation that I do go and do the Reserves; what if I am offered a commission with USMC at the end of my Sophomore Year, then what... does the Reservist Contract cancel?

Any thoughts to this perspective.
Click to expand...

If you serve at least 36 months of active duty you qualify for the Post 9/11 GI Bill. While probably not enough to pay for Embry Riddle on its own, does that shool particpate in the Yellow Ribbon program?

This website says Yes! (Show it to your dad).

Military and Veterans Resources | Embry-Riddle Aeronautical University - Prescott, AZ

prescott.erau.edu prescott.erau.edu

Under the Post 9/11 GI Bill®, the maximum tuition and mandatory fees at a private institution of higher learning is payable based on the annual cap set by the Department of Affairs (VA) and on the student’s eligibility percentage.

The annual cap along with the Yellow Ribbon Program (for those who qualify) will cover the full cost of tuition and mandatory fees. If the benefit is less than 100%, then the annual cap will be pro-rated by the VA and no Yellow Ribbon funding will be paid. Payment of costs above the cap are the responsibility of the student.

The following fees are those the VA considers mandatory: Student Government Fee, Technology Fee, Health Services Fee, Facilities Fee, Engineering Fee (for those in College of Engineering programs), and Annual Health Insurance Plan.

P.S. I know a lot of Marines who served on active duty, got discharged, went to college on the GI Bill (for little to no net cost), got a degree and turned out OK.

Like, say, Lee Marvin, George C Scott, Steve McQueen, Gene Hackman, Harvey Keitel, F. Lee Bailey.....and your's truly!
 
Last edited:
Day-Tripper said:
There had been a number of laws in earlier decades which weakened protections for student loan borrowers but the 2005 act had tremendous change for them.

Reference: https://www.theguardian.com/us-news/2019/dec/02/joe-biden-student-loan-debt-2005-act-2020

"How was it, for instance, that the sum of outstanding educational loans borrowed from private financial entities shot up from $56bn in 2005 to $150bn in just 10 years – contributing to an overall student debt burden second in the US only to home mortgages."

"Until 2005, private student loans were eligible for bankruptcy protections just like other forms of private credit. But in that year Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act, a law that made it vastly more difficult for struggling former students to rebuild their lives by discharging the debts and starting over."

Note: Then Senator Joe Biden represented Delaware, where a lot of banks are headquartered. The Benjamins.

Again: https://www.savingforcollege.com/article/history-of-student-loans-bankruptcy-discharge

"...in 2005, all qualified education loans, including most private loans, were excepted from discharge with the passage of the Bankruptcy Abuse Prevention and Consumer Protection Act. Private student loans no longer needed to be associated with a nonprofit institution to be excepted from bankruptcy discharge."

And: https://slate.com/business/2015/04/...ation-pointlessly-screwed-over-borrowers.html

“Although the 2005 bankruptcy reform appears to have reduced rates of bankruptcy overall, the provisions making private student loan debt nondischargeable do not appear to have reduced the bankruptcy filing or default behavior of private student loan borrowers relative to other types of borrowers at meaningful levels,” the authors write. “Therefore, our analysis does not reveal debtor responses to the 2005 bankruptcy reform that would indicate widespread opportunistic behavior by private student loan borrowers before the policy change.”

"So the 2005 bankruptcy bill effectively made life a bit more miserable for hundreds of thousands of Americans in order to deal with an imaginary scourge. Worse yet, it may have encouraged the sort of risky private student lending that mirrored the subprime mortgage boom, with financial institutions shoveling debt at marginal students who were poorly positioned to ever pay it back but had no recourse in the bankruptcy courts."

The 2005 law was a game changer for the student loan business.
Click to expand...


I understand what you are trying to say, but you are not stating facts. None of what you quoted is the law, but those are articles talking about the 2005 Act. All that matters at the end of the day is what a federal court says when it comes to bankruptcy, what a statute means and how it applies.

This is what you said:

Day-Tripper said:
Since the Bankruptcy Reform Act of 2005 student loans are no longer dischargeable in bankruptcy filings. So if the debtor has student loans, they're with you for life or until paid off.
Click to expand...


Nothing in the 2005 Act affected federal loans as they have been non-dischargeable since 1976, so your statement that "Since the Bankruptcy Reform Act of 2005 student loans are no longer dischargeable in bankruptcy filings" as applied to federal loans would not be correct. Federal loans already could not be discharged prior to 2005.

Your statement that "Since the Bankruptcy Reform Act of 2005 student loans are no longer dischargeable in bankruptcy filings" as applied to private loans is also apparently incorrect, or at least per the law as applied to the facts by the United States Court of Appeals for the 2nd, 5th and 10th Circuits where they disagree with your interpretation of the 2005 amendment of Section 523 of the Bankruptcy Code per the Bankruptcy Abuse Prevention and Consumer Protection Act (“BAPCPA”):

"The statute took its current, three-subsection form in 2005 when Congress enacted the Bankruptcy Abuse Prevention and Consumer Protection Act (“BAPCPA”). Navient argues that by setting § 523(a)(8)(A)(ii) off in a separate subsection, Congress intended to except from discharge all private student loans. This assertion puts more weight on the BAPCPA amendment than it can bear. The Act did not alter the substance of the phrase at issue; it inserted a comma after “scholarship,” and merely tweaked the statute’s format by splitting it into two subsections, now § 523(a)(8)(A)(i) and § 523(a)(8)(A)(ii). And Navient conceded that before the BAPCPA, “the near-unanimity of courts” interpreted § 523(a)(8)’s language as not excepting private student loans from discharge. See In re Crocker, 941 F.3d at 222; Dufrane v. Navient Sols., Inc. (In re Dufrane), 566 B.R. 28, 37 (Bankr. C.D. Cal. 2017) (“In a series of cases following the 1990 amendment, bankruptcy courts uniformly rejected the notion that the new term ‘educational benefit’ could be read . . . to except from discharge loans made by for-profit lenders . . . .”). It would be quite strange for Congress to render nondischargeable a huge new category of debt by tinkering with § 523(a)(8)’s format but leaving untouched (but for an Oxford comma) wording that had never been interpreted to except private loans from discharge.

The BAPCPA’s far more significant modification was the addition of § 523(a)(8)(B). That new subsection, which excepts a subset of private loans from discharge, was a “response to the growing trend of commercial lending” and was designed to “make qualified private student loans harder to discharge.” Thomas v. Dep’t of Educ. (In re Thomas), 931 F.3d 449, 453 (5th Cir. 2019). But under Navient’s interpretation, private student loans were already excepted from discharge as “obligation to repay funds received as an educational benefit.” 11 U.S.C. § 523(a)(8)(A)(ii). “It defies logic to suggest that Congress added subsection 523(a)(8)(B) in 2005 to encompass a subset of loans already covered under subsection 523(a)(8)(A)(ii).” Decena v. Citizens Bank (In re Decena), 549 B.R. 11, 19 (Bankr. E.D.N.Y. 2016), rev’d on other grounds, 562 B.R. 202 (E.D.N.Y. 2016).

While Navient’s broader reading of § 523(a)(8)(A)(ii) largely obviates its neighboring subsections, Homaidan’s narrower interpretation reserves a role for each one: § 523(a)(8)(A)(i) covers government and nonprofit-backed loans and educational benefit overpayments7; § 523(a)(8)(A)(ii) covers scholarships, stipends, and conditional education grants; and § 523(a)(8)(B) covers private loans made to individuals attending eligible schools for certain qualified expenses.


https://casetext.com/case/mcdaniel-v-navient-sols-in-re-mcdaniel (10th Circuit)

https://casetext.com/case/crocker-v-navient-sols-llc-in-re-crocker (5th Circuit)


Whether it was OP or someone else, it would be best to consult a bankruptcy lawyer on this issue if you really need to. Might be best to avoid the student loans in the first place as has been said so many times already!
 
Add me to the list of those bowing out at this point, lest I succumb to the temptation to shake someone rather forcefully. One can only do, and say, so much. This will just have to play itself out. Hopefully without pulling the OP under.
 
MidCakePa said:
Add me to the list of those bowing out at this point, lest I succumb to the temptation to shake someone rather forcefully. One can only do, and say, so much. This will just have to play itself out. Hopefully without pulling the OP under.
Click to expand...
Not a mention of the recommendation for Perdue which is a really good engineering school. In a career in the Aerospace Industry at companies like GE, Lockheed, BAE Systems, Textron, etc, I saw and knew a number of Perdue trained engineers but I don't think I ever saw Embry Riddle folks in the forefront of Engineering. I'm sure that I'll get "What Abouted" about that but I'm just reporting anecdotal info here - I'm talking hundreds of Engineers for some of the leading companies which really pick and choose from the well respected programs and none from this school. Its true that it might be a regional thing but truly great programs have alumni working all over the place.
 
OldRetSWO said:
Not a mention of the recommendation for Perdue which is a really good engineering school. In a career in the Aerospace Industry at companies like GE, Lockheed, BAE Systems, Textron, etc, I saw and knew a number of Perdue trained engineers but I don't think I ever saw Embry Riddle folks in the forefront of Engineering. I'm sure that I'll get "What Abouted" about that but I'm just reporting anecdotal info here - I'm talking hundreds of Engineers for some of the leading companies which really pick and choose from the well respected programs and none from this school. Its true that it might be a regional thing but truly great programs have alumni working all over the place.
Click to expand...

Not to mention engineering graduates Neil Armstrong and Gene Cernan!
 
OldRetSWO said:
Not a mention of the recommendation for Perdue which is a really good engineering school. In a career in the Aerospace Industry at companies like GE, Lockheed, BAE Systems, Textron, etc, I saw and knew a number of Perdue trained engineers but I don't think I ever saw Embry Riddle folks in the forefront of Engineering. I'm sure that I'll get "What Abouted" about that but I'm just reporting anecdotal info here - I'm talking hundreds of Engineers for some of the leading companies which really pick and choose from the well respected programs and none from this school. Its true that it might be a regional thing but truly great programs have alumni working all over the place.
Click to expand...
The OP test scores and GPA, even as a resident of Indiana, likely prevented acceptance into Aerospace Engineering, or any Engineering major at Purdue. Purdue restricts #'s based on capacity constraints. Embry Riddle however, will take almost anyone's loan money without consideration as to likely completion of the specific degree. Graduation rate at Embry Riddle Daytona 58% vs Purdue 78%. 78% isn't great but 58% is bad.
 
AROTC Parent said:
The OP test scores and GPA, even as a resident of Indiana, likely prevented acceptance into Aerospace Engineering, or any Engineering major at Purdue. Purdue restricts #'s based on capacity constraints. Embry Riddle however, will take almost anyone's loan money without consideration as to likely completion of the specific degree. Graduation rate at Embry Riddle Daytona 58% vs Purdue 78%. 78% isn't great but 58% is bad.
Click to expand...
I didn’t think with scores like that they would be getting into Purdue or even ERAU, especially into engineering. It’s not meant to be cruel, it’s a reality check. Two years at a community college really focusing on STEM courses could really pay dividends (and keep debt on check).
 
NavyHoops said:
I didn’t think with scores like that they would be getting into Purdue or even ERAU, especially into engineering. It’s not meant to be cruel, it’s a reality check. Two years at a community college really focusing on STEM courses could really pay dividends (and keep debt on check).
Click to expand...
Absolutely spot on. Stay home - and work hard.
 
NavyHoops said:
I didn’t think with scores like that they would be getting into Purdue or even ERAU, especially into engineering. It’s not meant to be cruel, it’s a reality check. Two years at a community college really focusing on STEM courses could really pay dividends (and keep debt on check).
Click to expand...

A1Janitor said:
Absolutely spot on. Stay home - and work hard.
Click to expand...

These ^ x 100
 
MichaelT2022 said:
I appreciate all the advice beforehand, and I apologize for "breaking-brains" of what my thoughts on these 200k in loans, etc, etc..


So let's potentially start-over....

Let's say I currently am "dead-set" on wanting to go to Embry Riddle for an Aerospace Engineering Degree... This will roughly cost around 50k/yr to amount to a total of 200k in total debt for earning the bachelor's degree...

What would be the BEST path for me in attending this school, while potentially not going into a massive amount of debt. ( I do still plan to reapply to USNA, when I get the chance - hopefully maybe something will come of that)

My dad wasn't supportive of the idea of me going straight to AD with USMC, but he is considerably better-phased when I've discussed options about doing USMC Reserves. (This way I can actually still go to college, and be apart of The Corp, as I have desired)
- My recruiter did tell me that they communicate with the school, hence if I do go to Reserves, I still have the July 18 Ship-Date, which will mean missing out a majority of my first-semester, considerably with going to boot-camp, MOS School, etc, etc.

Would this be a potential option I have that way I still have the chance to be apart of the Corp, and hence get tuition benefits of that to help fund the total of 200k over the 4-years. Obviously, tuition-assistance won't cover the full 100% of tuition, but I'm looking into an viable option.

- I am still interested in doing NROTC-MO, and I see this as potentially viable considering my Reservist requirements are to Drill each month - if this means to give up the "part-time" job that I wish to do, I am totally fine with that. I'm trying to consider all possible perspectives.
- Let's say that in the theoretical situation that I do go and do the Reserves; what if I am offered a commission with USMC at the end of my Sophomore Year, then what... does the Reservist Contract cancel?

Any thoughts to this perspective.
Click to expand...
How about a Junior military college? We haven’t considered that path yet (although I think almost all the rest have been covered thus far).

Like others have said, based on your reported SAT you would probably benefit from an extra year of school to shore yourself up academically before applying to any SA or taking on aerospace engineering. AP Calculus is killing my high school senior.
 
“Let’s start over”

1–enlist but not in the Marines nor the Army . With no slam on the other services like mine the Navy—-pick something less scary for you and your dad to deal with. Then go to college with the GI bill and lots more maturity. If I were you I’d be looking at a technical job with the AF

2-Go to a state school now, prove yourself, have far less debt, then do really well or do average, time will tell.. Either way you might likely have a degree and little debt.

3-And if IU or ISU, or IUPUINW (don’t laugh it exists and I took a course there) are not ready to take you right now then blow the doors off academically at a quality community college for a year or two. A path many of us took.

Then you can decide what paths life might take you

Massive student debt is just not the way to go. That is the suckers path.
 
“Let’s start over”

This says a lot about you. This is a very positive sign. So many would be off licking their wounds, sulking, or arguing back.

There is no shame in being confused at your age.
 
Small Team Bacsi said:
“Let’s start over”

1–enlist but not in the Marines nor the Army . With no slam on the other services like mine the Navy—-pick something less scary for you and your dad to deal with. Then go to college with the GI bill and lots more maturity. If I were you I’d be looking at a technical job with the AF

2-Go to a state school now, prove yourself, have far less debt, then do really well or do average, time will tell.. Either way you might likely have a degree and little debt.

3-And if IU or ISU, or IUPUINW (don’t laugh it exists and I took a course there) are not ready to take you right now then blow the doors off academically at a quality community college for a year or two. A path many of us took.

Then you can decide what paths life might take you

Massive student debt is just not the way to go. That is the suckers path.
Click to expand...
I have been considering Air Force, as I have been in Civil Air Patrol for a while now, if I stay longer to earn my Mitchell in September, I could go on to enlist in the Air Force as an E-3
 
AROTC Parent said:
The OP test scores and GPA, even as a resident of Indiana, likely prevented acceptance into Aerospace Engineering, or any Engineering major at Purdue. Purdue restricts #'s based on capacity constraints. Embry Riddle however, will take almost anyone's loan money without consideration as to likely completion of the specific degree. Graduation rate at Embry Riddle Daytona 58% vs Purdue 78%. 78% isn't great but 58% is bad.
Click to expand...
That is the main worry right now..... I am highly considering going to IUPUI, which I got accepted to major in Computer Engineering, plus a good benefit, I would still earn my Purdue Degree, while being able to do NROTC at Purdue main-campus in Lafayette which is like 30 min away if I remember correctly.
 
NavyHoops said:
I didn’t think with scores like that they would be getting into Purdue or even ERAU, especially into engineering. It’s not meant to be cruel, it’s a reality check. Two years at a community college really focusing on STEM courses could really pay dividends (and keep debt on check).
Click to expand...
Some schools are predatory. Purdue has high standardized test and GPA criteria for their sought after engineering programs. It likely shuts out some academic late bloomers but doesn't appear to be predatory.
 
AROTC Parent said:
The OP test scores and GPA, even as a resident of Indiana, likely prevented acceptance into Aerospace Engineering, or any Engineering major at Purdue. Purdue restricts #'s based on capacity constraints. Embry Riddle however, will take almost anyone's loan money without consideration as to likely completion of the specific degree. Graduation rate at Embry Riddle Daytona 58% vs Purdue 78%. 78% isn't great but 58% is bad.
Click to expand...
The decisions come out in like two weeks!
 
You must log in or register to reply here.
Back
Top