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Presenting The College Whose Graduates Have A 62% Student Loan Default Rate

Tyler Durden's picture




 

It is common knowledge by now that the US has a student loan problem. Specifically, a subprime-sized, student loan default problem, which as was reported last year, has now surpassed a 23% default rate at "for profit" institutions. Yet as all statistical measures, this one too deals in means and medians: very boring, impersonal metrics. Where the truly stunning data emerge is when one performs a granular college by college analysis of the US higher learning system, which is precisely what the WSJ has done, breaking down some 3500 colleges and universities by annual cost, graduation rate, median amount borrowed and most importantly, student-loan default rate. In this context we feel quite bad for the students who graduate from ICPR Junior College of Puerto Rico (or rather the 52% of them who graduate), with a modest $2,250 in student loans to cover the otherwise manageable tuition of $7,158, as a mindboggling 62% of them end up defaulting on their loans!

Who else made the list of the college with the highest default rates? Here is the first page of many in a descending sort by the highest student-loan default rate:

What is quite stunning is that there are 553 colleges in the US that have a student loan default rates of over 25%.

Alternatively, if one sorts by the most expensive colleges in the US to get a sense of what opportunities some of the most respected institutions in the US offer their grads (at least based on how much is paid for the education), one gets these results:

There is much more in the full interactive list (here), although we do caution that the results may be somewhat problematic, as somehow Berea College of Kentucky, which supposedly costs negative $20,746 per year, has its students borrow $6,500 on average, with 5% of them defaulting on ther loans.

 

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Tue, 02/19/2013 - 20:03 | 3257837 Yen Cross
Yen Cross's picture

 Jim, I'm a "Central Bankster" not a neurosurgeon. {bones}

Tue, 02/19/2013 - 17:21 | 3257447 scam_MERS
scam_MERS's picture

And just what kind of "diploma" can you expect to get, and what kind of students, when you run commercials like this (seen all over L.A. TV right now, btw)? A degree in rap? Watch to the end, to be fully disgusted/

http://www.youtube.com/watch?v=wjWtRiAoue8

...seems even their intended clients see through the B.S. - hilarlious parody of the ICDC commercial:

http://www.youtube.com/watch?v=3tOyd7J3wbY

Tue, 02/19/2013 - 17:27 | 3257462 Seasmoke
Seasmoke's picture

would you hire a Rican ????????

Tue, 02/19/2013 - 17:31 | 3257477 Jack Kreuz
Jack Kreuz's picture

The study is an odd one. It says that Harvard's "net cost" for the academic year is 18,000 but tuition alone is 37,000.

Tue, 02/19/2013 - 17:38 | 3257502 dark pools of soros
dark pools of soros's picture

Early kickbacks cashed for future favors

Tue, 02/19/2013 - 17:32 | 3257481 Vooter
Vooter's picture

It's the ICPR Fighting Defaulters!

Tue, 02/19/2013 - 17:36 | 3257492 earleflorida
earleflorida's picture

and here's to you mr. president,... obamacare loves you more than you can know?,... mr. president, heaven holds a special place for those that don't default... whoa, whoa,... whoa

http://www.gosanangelo.com/news/2013/feb/16/bad-medicine/

Bad Medicine:  Deadbeat doctors not paying student loans.     nice?!

Tue, 02/19/2013 - 17:37 | 3257495 dark pools of soros
dark pools of soros's picture

so that Canada college has a 3% grad rate? Do they wrestle polar bears or something ? Is that the survival rate?

Tue, 02/19/2013 - 17:47 | 3257529 Arkadaba
Arkadaba's picture

Lol being Canadian I had to check that one out - looks like there should be a tilde on the 'n'.

Tue, 02/19/2013 - 19:37 | 3257783 billsykes
billsykes's picture

I think they offer art science, barista and hip hop degrees. 

 

I have been on their 3 yr waiting list to start on my neckbeard degree, I have write the entrance exam, and I am so nervous everybody looks so hairy. 

 

 

Tue, 02/19/2013 - 20:13 | 3257864 CPL
CPL's picture

You must be this hirsute and swarthy to enter this grad degree.

http://www.monkeynutproductions.com/Peanut_gallery/Ad_Committee.jpg

 

Tue, 02/19/2013 - 20:48 | 3257929 billsykes
billsykes's picture

dAMN if I could get hairy like that, then maybe one day I could teach neckbeard class but those Greeks and hippies are so competitive.

I don't know if I have what it takes in the real neckbeard world, I may have to minor in artisanal pencil sharpening.

 

 

Tue, 02/19/2013 - 17:39 | 3257500 bonzo112358
bonzo112358's picture

Fry: "I'm a certified college dropout."

Leela: "Please...everyone knows 20th century colleges were basically expensive daycare centers."

Farnsworth: "That's true.  By current academic standards, you're merely a high school dropout."

Fry: "What?  That's not fair.  I deserve the same respect any other college dropout gets.  By God, I'm going to enroll here at Mars University and drop out all over again."

Tue, 02/19/2013 - 17:51 | 3257525 Catullus
Catullus's picture

Wow. All but 3 schools in Louisiana have less than 10% default rate.

This is like a levered crap shoot.

Shut it down for god's sake.

If it's not major university, the default rate is above 10%. They're just selling poor people the dream, aren't they?

Tue, 02/19/2013 - 17:49 | 3257526 AssFire
AssFire's picture

Here is what the real deal is...

All these fuckers were always told they were awesome. To boost their confidence-every race they ran, every book they read- they were given a fuckin ribbon or award.They were not smart enough and should not have attended college- they are stupid.

So there you have our newest group of people with a deadly combination: Over confident, stupid people.

Forget the "Americans with Disabilities"...How about the "Americans with no Abilities" they are actually more helpless.

 

Tue, 02/19/2013 - 18:07 | 3257582 harami
harami's picture

Hey man, feeling depressed because you suck at life and failed out of college?  Go complain to a shrink and he'll get you on government disability because your pathetic ass can't bothered to be confronted with the reality that you're a worthless sack of shit!

I imagine that'd be a pretty hip commercial to run on TV for all the Americans with no Abilities act.  Kind of like that petition to the white house where students want to give back their degrees in exchange for wiping out their debt.

At this rate you'll need a Masters in Lesbian History Studies just to be a janitor.

Tue, 02/19/2013 - 22:48 | 3258268 cynicalskeptic
cynicalskeptic's picture

Nope - you need at least an engineering degree for one of those prime janitor spots.  Lesbian Studies dooms you to daycare assistant.

Tue, 02/19/2013 - 17:52 | 3257540 Maos Dog
Maos Dog's picture

Maybe I am just stupid, or my age is showing, but when I went to college the first time around (like 20 Years ago) 50% of the freshman class didn't make it to the second year, and, this was EXPECTED. I think at "good" schools the number was even higher. It was the first "cut" so to speak.

Now my impression is that everyone that goes is supposed to graduate? If I ran a college, I would bounce the freshman 50% (bottom 50% gets walking papers) and on paper this would make my college look bad? 

What is a real metric for college performance then?

Tue, 02/19/2013 - 18:03 | 3257570 ptoemmes
ptoemmes's picture

Freshman first quarter did it for most where I went.  A GPA under 1 was not all that uncommon.

 

Tue, 02/19/2013 - 20:48 | 3257928 nmewn
nmewn's picture

The only real metric for college these days is the ability pay.

However one does it, through savings or debt makes no matter to them. You can be "educated" in all sorts of things these days and emerge "papered".

Art History is a good one...you can go on to a stellar career as a museum curator advising people what to dust off or maybe Queer Musicology (UCLA)...seems kinda gay to me...but who am I to judge what people get shafted on ;-)

Tue, 02/19/2013 - 23:41 | 3258399 e_goldstein
e_goldstein's picture

The one good thing about Art History is that it teaches critical thinking skills; thus the graduates are doomed to a life of sub-par pay.

Tue, 02/19/2013 - 23:49 | 3258418 GMadScientist
GMadScientist's picture

I'm sure your knowledge of lighting your own farts and plaques with bass that sing country songs will be a treasure for future generations to cherish.

 

Tue, 02/19/2013 - 22:19 | 3258177 BidnessMan
BidnessMan's picture

At Georgia Tech freshman orientation back in 1972, we were told to look right and look left.  One of you will not be here next year, and the other one will not graduate.  Was true, and "Ma Tech" did not care whether you "got out" or not.  Way too many kids in college - another bubble in the process of popping.  

Interesting that the most expensive colleges are almost all art colleges.  The most math challenged students?  As in not comprehending they can never repay their student loans?  

Wed, 02/20/2013 - 00:05 | 3258444 MeBizarro
MeBizarro's picture

Where did you get such ridiculous numbers from?  A washout rate of 50% in the 2nd year at a general undergrad program?

Wed, 02/20/2013 - 01:11 | 3258538 RebelDevil
RebelDevil's picture

 Now my impression is that everyone that goes is supposed to graduate?

Especially with students loans, OH YES.
Not graduating almost garrentees that you will default on your balance.

Tue, 02/19/2013 - 17:58 | 3257555 A. Magnus
A. Magnus's picture

62% of the burger flippers who graduated from that 'college' will have their wages garnished and will afford fewer Happy Meals from their new 'vocations'...

Tue, 02/19/2013 - 18:01 | 3257563 W74
W74's picture

I noticed some of the for-profit online scam institutions (University of Phoenix, Kaplan Univ, etc.)  have default rates between 26-34%.  I don't know if anyone can find others.  The ITT Tech (kinda scammy?) around me is at 34% as well.  My own school is at 3% (with a median amount borrowed of 17K vs my $0.) and the private college my wife went to is at 1% of course she eventually got accepted to a doctorate program.  Honestly I wouldn't recommend kids go to college these days and if it weren't for the GI Bill I wouldn't have bothered.

Tue, 02/19/2013 - 18:10 | 3257588 Downtoolong
Downtoolong's picture

Hey, every school wants to be rated tops for something.

Tue, 02/19/2013 - 18:11 | 3257590 JLee2027
JLee2027's picture

With debt-based currencies, everyone, eventually defaults.

Tue, 02/19/2013 - 18:12 | 3257592 Robert-Paulson
Robert-Paulson's picture

.

Tue, 02/19/2013 - 18:17 | 3257611 wagthetails
wagthetails's picture

Excellent info.  immediately withdraw all student loan availaiblity to any colleges with default rates higher than 10%, great than 20%? revoke their license to operate as a educational facility.

Tue, 02/19/2013 - 18:22 | 3257629 Jim B
Jim B's picture

I especially like the "colleges" with sub 20% graduation rates!

Tue, 02/19/2013 - 19:24 | 3257753 dwdollar
dwdollar's picture

Hahahahahahahahahaha...

You're joking right?

The goal of the entire educational system is to make creative-less, ambition-less, moral-less, debt slave followers for our overlord bankers. Everyone has an idea about how things could be better... the truth is many of those ideas could work, but none of them will be enacted, because that isn't the agenda.

The fox is in charge of the hen-house. Am I the only one who sees this?

Tue, 02/19/2013 - 18:20 | 3257621 RoyAnne
RoyAnne's picture

Wonder what the default rate would be if you added all the parents having to pay for their kid living in the basement because they co-signing some of those student loans. The one that cannot get a job.

Tue, 02/19/2013 - 18:30 | 3257650 cxl9
cxl9's picture

Require the colleges to be co-signors on student loans. Problem solved. Let's move on.

Tue, 02/19/2013 - 18:47 | 3257682 Overfed
Overfed's picture

I hear DHS is hiring.

Tue, 02/19/2013 - 18:47 | 3257684 zerotohero
zerotohero's picture

The West keeps consuming like there is no tomorrow while China is working like HELL to take over as the Power Nation of the world. Forget College and learn Mandarin.

Tue, 02/19/2013 - 21:41 | 3258065 Redhotfill
Redhotfill's picture

IF they could learn mandarin, they would be able topass the classes graduate and get jobs lol.

Wed, 02/20/2013 - 00:08 | 3258449 MeBizarro
MeBizarro's picture

That's why those in power who can move their wealth out of China are in large amounts and hedging their bets applying for visas in Canada, US, Australia, and a host of other places. 

Tue, 02/19/2013 - 19:19 | 3257757 IridiumRebel
IridiumRebel's picture

My daughter is gonna learn to weld or change timing belts. I'm about to graduate and the learning is a joke.

Tue, 02/19/2013 - 19:55 | 3257823 Yen Cross
Yen Cross's picture

Iridium you kick ass!

Tue, 02/19/2013 - 20:07 | 3257848 IridiumRebel
IridiumRebel's picture

I wish I could FX trade like you, but I'm not savvy enough. I like that your getting more up votes. +1

Wed, 02/20/2013 - 00:18 | 3258463 Yen Cross
Yen Cross's picture

Zero Hedge isn't a popularity contest... The smart peeps know each other. I have been on a rant for the last few days because I'm fed up with the market bullshit.

Tue, 02/19/2013 - 22:50 | 3258273 cynicalskeptic
cynicalskeptic's picture

Blacksmithing may be the growth career of the 21st century.

Tue, 02/19/2013 - 19:27 | 3257769 syntaxterror
syntaxterror's picture

We are not a deadbeat nation!

Tue, 02/19/2013 - 19:27 | 3257771 Marty Rothbard
Marty Rothbard's picture

This has been happening for thirty years.  Diploma mills get people who have no business being students to take out loans.  The difference now, is that they are not dischargeable, and there are many fewer jobs.  But the democrats still keep screaming about more education.

 

Tue, 02/19/2013 - 19:33 | 3257777 billsykes
billsykes's picture

I love the low grad rates combined with a bullshit college and their low quality bs degrees. It should wake people the fuck up and start to use behavioral or critical reasoning skills to cut thru these "truths" we have been told over and over again.

Lies 

I am a father working hard at 2 jobs to give my kids the education I never had so they can have a better life. 

(just go mow lawns for the govt in CA) 

You should own a house.

(shake head)

Pay your taxes.

(because all the rich people do)

Don't disobey authority.

(they have guns to protect themselves, not you, and they are never wrong) 

 

 

Tue, 02/19/2013 - 19:51 | 3257810 Pairadimes
Pairadimes's picture

On the plus side, all of the future FEMA Re-Education camp campuses are now complete and ready for re-purposing.

Tue, 02/19/2013 - 20:00 | 3257832 Redhotfill
Redhotfill's picture

I didnt see B'uerro Rican Taco flavored kissing as a major on that webpage.

Tue, 02/19/2013 - 20:13 | 3257863 yogibear
yogibear's picture

Bernanke and the Fed's motto: "From one bubble to another. Always be thinking about creating the next bubble".

At the Federal Reserve PhDs are initated by trying to see who can make the largest bubble.

Tue, 02/19/2013 - 20:32 | 3257895 Catullus
Tue, 02/19/2013 - 20:39 | 3257910 tom a taxpayer
tom a taxpayer's picture

Anita: Girls here are free to have fun. She is in America now.

Bernardo: Puerto Rico is in America now.

http://www.youtube.com/watch?v=Qy6wo2wpT2k

Tue, 02/19/2013 - 20:43 | 3257914 nasa
nasa's picture

90% of ICDC's students have no business in 'college', but the factory job they would have taken out of high school is now in (insert name of random third world nation here) so some .001% could move the stock price up .01.  At this point in the game these students would get a better education at one of those private prison work camps. enjoying three squares a day and a cot and on top of that they would be walking out the doors debt free.  Welcome to the New World Order...  

Tue, 02/19/2013 - 21:31 | 3258037 trendybull459
trendybull459's picture

The best way to keep the Economy strong is investing in education by making it free to all citizens:Germany,USSR(still Russia but they already taking theft for institutional education pumping up paid and down free education),country where its a gap in education will have unrest and power change as their economic conditions will arode!

follow us:

http://trendybull777.blog.com/2013/02/20/special-rubrics-from-around-worldvery-catchy/

Tue, 02/19/2013 - 23:59 | 3258433 ZeroAvatar
ZeroAvatar's picture

WOW!  I see you gave up on the 'Russian with a lisp' schtick.  Kewl.

 

Obama's already 'giving away' education with the Dream Act.  Just NOT to Americans.

Tue, 02/19/2013 - 22:13 | 3258155 CaptainObvious
CaptainObvious's picture

"In this context we feel quite bad for the students who graduate from ICPR Junior College of Puerto Rico (or rather the 52% of them who graduate), with a modest $2,250 in student loans to cover the otherwise manageable tuition of $7,158, as a mindboggling 62% of them end up defaulting on their loans!"

How does one default on a $2250 loan?  Shit, that doesn't even pay room and board for one semester at a public university in the states.

Tue, 02/19/2013 - 22:22 | 3258187 boricuadigm-shift
boricuadigm-shift's picture

As a Puerto Rican that has been in this site more than most people here (since blogspot) I will say the following:

1. A significant portion (60%) of us are hard working and skilled mofos
2. We do your jobs for 20-50% discount and better
3. I'm a smart mofo that has been stacking for 5 years now and get all the shenanigans going on in this country thanks to this and similar sites.
4. We sure have lazy mofos. We are one of the highest consumers of food stamps and other entitlements. Guess what? Most of the states are adopting our model. That is even dumber. We were the first to figure out how to game the system.
5. All generic Puerto Rican jokes are funny, so keep them coming. Be aware that by doing so, you are letting us know how ignorant and small minded you are.

Sincerily,

Boricuadigm-Shift Bitchezzz!

Tue, 02/19/2013 - 23:18 | 3258340 Son of Loki
Son of Loki's picture

Es una vergüenza que no sea posible que se trate igual a todas las personas.

 

This student loan scam crosses all geographic and cultural boundaries. In fact, the TV ads look to me directed at the lower socioeconomic groups proming (unrealistic) hope and change.

Wed, 02/20/2013 - 00:02 | 3258438 ZeroAvatar
ZeroAvatar's picture

"Say 'elo to my li'l 'fren'."

Tue, 02/19/2013 - 22:47 | 3258262 Smuckers
Smuckers's picture

Sounds like 62% of graduates went with a finance degree.

 

Tue, 02/19/2013 - 23:04 | 3258306 monopoly
monopoly's picture

And how about this...

It Takes a B.A. to Find a Job as a File Clerk

So this nice receptionist has a 4 year college degree in fashion design, owes over $100,000.00 in college debt and gets a job as a secretary. The law firm advised even the document runner must have a college degree. Law of supply and demand. More companies only hire college graduates. Not bad, earn $12.00 bucks an hour, pay off $100,000.00 in loans, that should take about.......Oh, never mind. 

And the NY Times spins this in a good light. Pathetic.

Tue, 02/19/2013 - 23:05 | 3258311 NumberTwo
NumberTwo's picture

I'm living the dream right now with 2 tuitions/year for the next 4 years. I refused to let my kids enroll in debt camp - and set a limit of $10K total debt that they could come out with.  They need to have some skin in the game - just not sell themselves down the river.  One in private college, one in Big 10, and the last one likely to go ivy league - but trying to convince her there are better options than going to school at Chen University.

Tue, 02/19/2013 - 23:07 | 3258315 monopoly
monopoly's picture

It has all changed my friend. College not what it used to be. And, where are these high end jobs coming from to pay back this debt. Our demise is set in stone I am afraid.

Tue, 02/19/2013 - 23:09 | 3258319 Son of Loki
Son of Loki's picture

Bend over taxpayers; Ben is about to take a Big Dump on you again as losses are passed on to the innocent Middle Class bystanders.

Tue, 02/19/2013 - 23:24 | 3258352 NumberTwo
NumberTwo's picture

Friends of ours oldest son went 3 years, changed majors, couldn't get with the program and now is the proud owner of $68K of debt with nothing to show for it.  Who the fuck lets their kids go in this deep at the age of 18? He's working two jobs, neither pays more than $10/hr, and will probably never go back.  Even if he figures out what he wants to do, that $70K millstone will be around his neck preventing it.  WTF are people thinking mortgaging their dim futures like this?

Tue, 02/19/2013 - 23:26 | 3258361 torabora
torabora's picture

Hey, mine is 23rd!!!!

Tue, 02/19/2013 - 23:39 | 3258393 Smuckers
Smuckers's picture

But, but, if 62% default, yet 25% are illiterate - then that means over 15% can't read their "Past Due" notices...but may be able to pay after all.

.....

 

 

BULLISH!

 

Tue, 02/19/2013 - 23:58 | 3258435 zwscott33
zwscott33's picture

haha unete la revolucion puerto rico, salte los estados unidos

Wed, 02/20/2013 - 00:03 | 3258441 reader2010
reader2010's picture

Don't they ever teach any tools of thinking there?

Wed, 02/20/2013 - 00:14 | 3258459 MeBizarro
MeBizarro's picture

Problem here is what has been known all along (too many pigs at the trough who provide very marginal ROI).   The gov't website is a step in the right direction but not nearly far enough.  Still not nearly enough information though on what the economic prospects are for college graduates though from particular institutions to make truly informed decisions as a consumer.  It's the biggest problem in higher education & has been for years. 

Classic asymmetric information problem and sometime that Kenneth Arrow talked about more than 40 years ago now.   Coupled with large-scale spigot of gov't funding, it is a recipe for disaster.

 

 

Wed, 02/20/2013 - 00:20 | 3258466 MeBizarro
MeBizarro's picture

Why does the conversation on any thread related to higher education have to devolve to general idiocy including the recommendations that 'only fools go to college' vs the mindless crap on the left that everybody seemingly belongs in college and the gov't should make funding available to make this happen even at the crummiest colleges/universities (if you call them that). 

Like almost anything in life, the conversation is nuanced and both sides usually have some very valid points. 

Wed, 02/20/2013 - 00:23 | 3258470 MeBizarro
MeBizarro's picture

The goal should be to graduate from any BA program with the lowest amount of debt possible.  Ideally, no debt if you are fortunate enough.  It really did surprise me though on this list just how many crummy 'colleges' there are in the US.  It is ridiculous these colleges continue to get reaccredited and the gov't allows students to attend them while receiving federal loans. 

Wed, 02/20/2013 - 01:36 | 3258572 SilverMoneyBags
SilverMoneyBags's picture

The government should only loan money to people willing to attend in demand programs like computer science and engineering, not useless programs like relgious studies or philosophy.

Wed, 02/20/2013 - 02:17 | 3258624 RebelDevil
RebelDevil's picture

I like your intent, but it could backfire. Science, math, and engineering are the most difficult of all subjects, so it's natural to expect a higher drop-out or major-change rate. There's great reasons why they're in demand, one of them being that you have to have above average intellegence.

Btw, the military already does this to an extent. The ROTC programs (which provides full-tuition scholarships) is practically begging for engineers of all kinds (in exchange for service after graduation.)
http://www.nrotc.navy.mil/scholarship_criteria.aspx

Wed, 02/20/2013 - 01:53 | 3258593 Bloodstock
Bloodstock's picture

College prep should teach the kids about the reality of financing college and what that entails for payback. Throw in a few college graduates (volunteering to add to their free labor intern resume) to explain that their really are "no" jobs out there worth a hill of beans and presto the debts lower cause more kids wake up and say what the fuck.

Wed, 02/20/2013 - 04:29 | 3258701 AnAnonymous
AnAnonymous's picture

'American' desire to get others to perceive 'americans' for what they are not.

'American' students, youngsters are not impaired by debt. They will renegate on it as soon as they judge it valuable. Cause: their parents created that system of debt, not them. So they can not be responsible for that. The usual 'american' mantra.

At the moment, the huge loans taken up and the consumption of resources coming with them, ensures that the educational processes are mostly located in 'american' societies.

Without the huge loans, the resources will be redeployed elsewhere, shutting down 'americans' from the educational process and moving it elsewhere.

But hey, much better to paint 'american' students as victims because 'americans' want to be perceived as victims.

Victimhood is high amongst 'americans'.

Wed, 02/20/2013 - 05:30 | 3258733 TheFourthStooge-ing
TheFourthStooge-ing's picture

AnAnonymous desires to get others to perceive 'americans' for what they are not.

He believes his crackpotted theories about the middle class being the king class have feet on a solid ground, when reality is his claims have no ground but stand on floaty clouds infirmed.

He gives painting on 'american' students as opportunitists because he wants them to be perceived as emporers.

Scapegoattery is high amongst AnAnonymystics.

But hey, getting high climbing the crazy beanstalk of Chinese citizenism makes his floaty clouds look solid, so might as well build his fantasy castles on that neighborhood.

Sat, 02/23/2013 - 00:07 | 3269228 akak
akak's picture

 

Scapegoattery is high amongst AnAnonymystics.

But hey, getting high climbing the crazy beanstalk of Chinese citizenism makes his floaty clouds look solid, so might as well build his fantasy castles on that neighborhood.

LOL!!!

You have hitting the nib of the mattering thing sagaciously with much vigorous.

Sat, 02/23/2013 - 00:27 | 3269268 TheFourthStooge-ing
TheFourthStooge-ing's picture

ROR!

Your speeching gives diligently the commentated with qualityness. Much crustiness diatomaceously.

Sat, 02/23/2013 - 00:59 | 3269306 akak
akak's picture

Whoo!  That is the good one.

Notwithstandingwise, efforts to kick the can of Chinese Citizenism monolization of the speeching means, inability to self-ignite, thrusting blame to the posterior, farming the bore and exporting the geek are more signs of psychological projectionistic crackedpottery of nightsoiled Chinese shitizenism inspirationated by The Great Stoolman himself, Mousy Tongue.

But as the old saying of fabled past goes, when in Beijing, do your doody (on the roadside) as the Chinese do.

Wed, 02/20/2013 - 09:09 | 3258918 FLHRS
FLHRS's picture

The best education/baby sitting institution is the military.  They are good at taking spoiled little brats and putting them with a bunch of other spoiled little brats, they pay them the same and treat them the same.  They educate and they reward hard work and commitment.  This candy ass, entitled generation should all serve, it would do them good.

Fri, 03/01/2013 - 02:36 | 3289252 JenniferS
JenniferS's picture

In a tighter market for legal services, law firms are less able to absorb training costs for new lawyers; costs that they were often able to pass on to clients in the bubble years. Thus, to the extent that a law school undertakes curricular reforms that make its graduates cheaper to train and more no credit check loans to apply and that enhance the cost/benefit ratio of hiring those graduates, the school confers a competitive advantage on its graduates in a tight market that was of less significance when market conditions were different. In that sense, current market conditions potentially enhance the case for curricular reform.

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