skysight-inc/HackerNews huggingface dataset:
As others have mentioned, this seems like a test case issue of bad financial planning. There are lots of ways to get into such a situation, not all of them student loan related.

Frankly if you look at only the numbers, then 170,000$ total on a 95,000$ is what you'll get for a 20 year loan with 6.5% interest (give or take). From what I can tell from the article she will be paying it for roughly 20 years.
If you take a fixed-rate payment (I.E. paying the same amount monthly for the entire loan, rather then paying the same percentage of the remaining loan every month), this is exactly the situation you'll get - I.E. the first few years your payments go almost entirely to interest and only later years you pay for the principal.

These are very common financial instruments that you can get from a bank or credit company. Especially if your parents are cosigned.

I think the main takeaways are rather these:

1. How in the world is a variable interest loan based on LIBOR (which the article alludes to) gets to 11% interest? that's prime + 8%, at least. That's practically loan-shark territory. How is a government led (and financed) aid program have such an insane interest rate?

2. When you take a loan for investing (such as education, or starting a new company), I.E. leveraging, you should always consider whether the future value of the investments is higher then what you borrowed. I'm assuming she studied for jobs that don't pay well.

3. American education is insanely expensive. It's probably cheaper to just study abroad for a few years and come back (like she did for her master's degree).
Copy of the article that works with JS disabled:

https://gist.github.com/jwilk/3f0d80740f72c5ac0e2a4ae8790b9a...
> Somehow pipenv got endorsed as an official tool by PyPA far before it was ready for production.

Pretty much nails it for me. Being up to date with new technologies and tools is important, and once it became officially endorsed I (and many others) had to run with it.

It was about 3 months I tried it last time, but at that time it was still slow, it ignored ~/.pip/pip.conf and also had no "proxy" CLI option like pip does.

I hope it have changed now but early on it also had some strange preference to environment variables rather than CLI options, which I find odd for an application aimed for command line.

I voiced my concerns about these issues, because why not? If I as a developer release something and intend to continue maintain it, I have a responsibility towards the users that depend on my creation. Old-fashioned stance perhaps...
Seems like an article from a paper romanticist, and they aren't extinct yet. Anyhow, here in Finland the libraries are not just for paper-based information storage/dispersion, but common places for all kinds of public information/technology needs, like (3D) printing, copying or digitizing material into modern formats, and free guided computing needs for poor or old people. They're also public gathering places, including their conference rooms you can lend, which is also nice for startups without their own offices and such. In any case, they'll have uses far beyond the age of paper-based media, including uses we can't fathom yet.
I’m interested in attempting something similar in Europe. Do you have some links/pointers?

Thanks!
Add one person and 19 other people of the opposite gender. Then, filter by gender.
Well, an obvious example is the NDE phenomena, majority of the time accompanied by an OBE ~ person's heart stops, they have an OBE NDE, and directly experience themselves explicitly outside of their lifeless body.

This is an experience that many people have had, and yet, because of its nature, it cannot be tested with the same tools used in the physical sciences.

And yet, because it cannot be poked, prodded or easily tested as with matter and physics, the reductionist materialists claim it cannot exist, denying the experiences of thousands of people, most arrogantly at that.

And yet, many NDE experiencers have produced veridical proof that they were indeed consciousness, detached from their body.
It's not just an unfair reading it's a laughably short-sighted reading.

These loans are ultimately guaranteed by State and Federal governments (meaning the banks take zero risk beyond servicing costs) and yet they magically generate billions in profit. Where do you think those billions come from? What do you think actually happens when this woman effectively defaults on her loans? Who really loses when this woman can't afford to start a family or start a startup because she's paying thousands of dollars to banks and collection agencies who, again, took zero risk?

Really, the American tax payer might be the dumbest type the planet has ever seen. The genius of the student loan racket[1] is that Americans are paying billions to the government to steal billions from other Americans and then give those billions to banks -- who are working full-time to further undermine American democracy. It's a scheme whose boldness goes beyond the outright slavery and peasant-bondage paradigms of the past. The elites have actually tricked their victims into paying for their own chains.

[1] https://abovethelaw.com/2010/09/the-student-loan-racket-now-...
That feels like one of these misleading marketing statements. The real competition are GCC and clang.

But yes, embedded compilers are usually a nightmare.
You have EU customer emails. You're subject to gdpr in all of them. None of the factors you suggested matter. Store your emails properly, have unsubscribe links, answer data requests.

You just gave one of the most straightforward cases...
Advertising is not that bad, if the advertisers would simply stick to static "dumb" ads (even text-only, as with the old Google ads), preferably locally hosted, with no tracking nor privacy invasion.

The problems started with animations, sound, interactive nonsense, popups, popunders, tracking, redirects, you name it.

If an ad can do anything more than what a simple newspaper ad can do, it's too much.

And personally, I would rather be without those, as well.
I'm not US based, so I don't know. But I don't see why it wouldn't be possible if someone has been employed on a decent income for years. Even paying 5 or 7% would be better than 11%.

But I would assume she has looked into that.
Is it really relevant if they're called kids?

You're given a choice of not getting education and having limited job options, or taking a loan with unknown (variable) rate, for unknown amount (uni can raise fees), getting an unknown benefit (who knows what the job market will be like in a few years, maybe there's another global market failure). The lender is happy if you repay, and happy if you don't (the loan is gov guaranteed anyway, this is pre-2010 Sallie Mae)

You say "But for irresponsible people like the author, I don't think any laws can protect her from herself." which is crazy considering one side of this problem wouldn't exist if the laws didn't explicitly enable this. Banks giving student loans risk next to nothing. If you think this person was so irresponsible because obviously she can't repay, what is your comment on the bank. Surely they know the market even better and reviewed her family finances - why would they give her a loan in the first place? Are they irresponsible adults as well?
AI trust and AI fears: A media debate that could divide society
From my experience there’s little to no correlation at all.

One of the most beautiful C codebases I’ve seen - the SSH IPsec stack - had the most succinct yet comprehensive documentation. Linux kernel has virtually none of the latter but the quality is still very high. Then there’s something like Miranda IM - complete clusterfuck of the code, but really well documented. A lot Java code is that way too, but also with documentation rehashing trivial facts rather than explaining anything.

However, what does seem like a sign of a good code is longer intro comments in header files that explain the design rationale and how things fit together in general. It’s basically a level up from verbose API description, but when done right it makes the API obvious without any further detailing.
Well, library budget cuts are not unheard of in Finland either. The biggest cuts occurred in the big depression that hit the country in the early 1990s, and spending has never reached the same levels again. That said it's easy to believe that libraries are still better than in many other countries. They remain free, where others have introduced fees for the library card or for computer usage.

A bit of background: Finnish is a small language with only 5 millions speakers. So books cost 2-3 times as much as in central Europe, although the currency is the same (Euro). That might be an additional factor for the high number of loans.

The observation that libraries are a place to socialize sounds strange to me. Except in the cafeteria, which exist only in the very biggest libraries, conversations are not allowed. So yes, libraries can he full of people when it's dark and cold out there. But it's perfectly silent.

(I live in Finland)
iOS has excellent accessibility features built in. Take a look at VoiceOver or Zoom [1]. You should be able to toggle either on easily via the Control Center.

[1] https://www.apple.com/au/accessibility/iphone/vision/
Cheap ( < 0.50 ), instant or near instant transfers have completely replaced checks in most of Europe about 20 years ago. I haven't seen a check until I moved to NA.

Every time I use the banking system here I see the same problems I've experienced in the 90's in EU.
shithnsays
Afaik mobile browsers don't support user stylesheets.
Yes, Facebook is a more efficient way to spread especially false information.
One of the funniest commit messages I've ever seen: https://github.com/andlabs/libui/commit/422ec83162de7b9689b7...
We moved back to NZ when my eldest hit high school, here college is much cheaper with interest free loans so long as you stay in the country and pay them off as required (or are in school), we used a small portion of what we made from selling our Bay Area home to pay off our kid's loans free and clear when they were done - best decision we ever made
Not sure why I've been downvoted. What is wrong with gtkmm? It's a reasonable C++ binding to GTK+
Except it doesn't run native controls, at least so far as I'm aware.
> We've been over this a thousand times: you would not be able to get loans for education if you could discharge them in bankruptcy.

This is literally an extremist statement (i.e. either you cannot get loans or you can) and as such an impossible oversimplification. Clearly it's more nuanced than that. The difficulty of discharging loans in bankruptcy certainly does affect the market of available loans though it's not black and white.

The statement is also obviously false. Students received loans before they couldn't be discharged in bankruptcy.

On a final note, who is "we" exactly? I don't remember conversing with you in the past.
Maybe not completely free (to deter people from sticking around for 10+ years), but at least semi free. Probably below 1k a year. If you add living costs to that, anyone who takes up a part time student job should be able to sustain themselves and graduate without debt.

Any system that forces someone to graduate with significant amounts of student debt, is in my view, bad. It's not really going to benefit society, unless your view of society is modern slavery and chaining people as a slave to their debts.

Mind: that doesn't mean that certain schools aren't worth the tuition (Stanford, Columbia, Oxford, Cambridge, etc). But part of the "value offering" comes from the network you build up there.

That all said, while university can be a good part of your development as an adult, maybe more people will eventually realise it's not necessarily the best option anymore.

The writer of this article might have gotten a similar "education" (perhaps not in the formal sense -- but on an intellectual level) had she gone and lived abroad in a new environment doing something useful for a few years when she was in her late teens / early 20s. But it's a very personal situation that very much depends on the individual.
Fasting diets may raise risk of diabetes
Anarchy A gets you in trouble with all those little Neighbornittlers everywhere. I wish there was a name for this egomaniac psychosis that once you synced your opinion with the in-group you have a right to form the Spanish inquisition.
A vegan diet does.
Its legalized extortion. In other countries healthcare and education are viewed as core to national security, in the US these become legal platforms for hardcore extortion of vulnerable people whether its the student desperate to move ahead or the person who needs to take out a second mortgage on their home to afford a copay.
"Streams of solution trees" kinda reminds me of mikro-kanren [1]. When I was using Clojure roughly 3 years ago, kanren was quite popular embedded logic.

W.r.t. Datafun, i learned about it from a talk its creator gave on strangeloop last year [2], for me it seemed quite approachable :)

[1] http://webyrd.net/scheme-2013/papers/HemannMuKanren2013.pdf
[2] https://www.youtube.com/watch?v=gC295d3V9gE
I recently had to do a five-whys write up after typo-ing a config file. I'm pretty sure it was some kind of shaming exercise.
You have a very strange view of "the left".
> ... cannot be PII because multiple people may use that IP.

I think such reasoning is a little unfortunate.

Multiple people share my name. Multiple people could live in or visit my household.

So is my name and address not PII?

I don't think that underlining all the cases where some given bit of information may fail to identify a person is the right approach when it comes to making a blanket statement about whether said info is PII. I don't think courts would follow that reasoning either, especially when there will be lots and lots of counterexamples where following that trail of information leads to facts that most people would conclude as identifying a person exactly (at least with a very high degree of certainty).
We have an intelligence, while Nature doesn't. We can do better than Nature.
Centralized systems have always been _technically_ superior to decentralized when it comes speed and fees, but the middlemen that control these systems have never proven themselves to have the self control needed to not interfere significantly in transactions.
The idea is that students have nothing to lose and a mountain of debt when they graduate, so they should systematically declare bankruptcy to erase the debt.
NFI FTI?
Thanks. I couldn't get past the "Update to our privacy policy" thing even with JS enabled.
I think it comes down to this - should we as a society let contracts that involve agreeing to harm, should we let them be legal?

If you and I agree that you will sell me your left kidney, or that I can punch you repeatedly next Saturday for fifty quid, noncourt will enforce those contracts because you are agreeing to harm. And that history has shown that people in adverse conditions will sell their organs/children/dignity whenever offered (and frequently at below market rates)

Usury Contracts like this are another form of harm and we just need to decide where the line gets drawn.
The exact same books are available electronically nowadays, and are likely to be more up to date than a paper version. Building a library won't make anyone stop reading facebook drivel.
I’ve been interested in watch OSystems for some time. Would LOVE to collaborate with someone who wants to work on a sideproject. I run a UI/UX firm and want to contribute with design. Feel free to reach out if interested. Details in my profile.
Not really. Pure peer to peer is always an option with truly decentralized systems, so you can always completely bypass the middle man. It's not really decentralized if it's not "pure" peer to peer.
She's paid 20k as a waitress. The article doesn't say what's her major or what job it was supposed to lead to.
They were not like superheroes genre, except high strength.
> you would not be able to get loans for education if you could discharge them in bankruptcy.

Well, maybe it would have been better this way.

This way universities would be forced to be affordable, and use the money for teaching instead of today's tuition costs that goes 50% for a new stadium, 45% "administrative costs" 5% teachers and TAs
Altruism exists, but it very rarely makes you money. And that's really only ok if you already have a good amount of money and can afford to give some away, or work for nothing.
New variety in the chip market, and trouble for Intel (2017)
Is it just me or do conversations he posted between him and his roommate seem a little off... They just don't read like any natural conversation I've ever had or have seen, and I'm not sure people naturally talk like that.
I work for many years with FFMpeg that has no documentation and no code sample, and it's okay for me. I prefer that the developers keep their time optimizing the code rather than writing documentation that needs to be maintained and become a problem when not in sync. My state of mind is that if it's open source then just read the code.
Navy Federal has been so good. Their Web UI is enjoyable, their branches are nice to visit, and their auto loan rates are quite competitive.
well, yes, because it runs on platforms that don't have any kind of "native" controls. Besides, in KDE/Lumina/LXQt, Jolla phone, LG WebOS, or AsteroidOS (currently on the front page just above this!) and many automotive environments & medical devices, it is the native UI system.
The copyright compensation on electronic books is different from paper based ones. The super greedy licensing deals (where even available) is one of the things that hold back electronic books; they're simply much more expensive than paper-based ones. The Finnish libraries do have e-books, but they're not as common to loan as paper ones are, and not everything is available in e-book format.
> GTK+ itself is cross-platforms

Only in theory. It does not look and behave even close to native anywhere except on GNOME 3 with default settings.
And if Linux or *BSD had a framework to represent the switch configuration I think more switch IC device drivers would be forthcoming. Last time I worked with a Marvell switch in Linux the configuration ended up being manual MDIO accesses. Not difficult, but not a nice interface either.
I get this actually. It's really niche but useful for the people who'd need it. Nowadays I have a simple alias that opens up a text editor which points to a file inside my ~/.notes folder. That folder syncs to Dropbox. I find that grep works really well for when I need to find something. I can definitely see the benefit of bundling all of that into a much more convenient service.
How hard can it be to understand that businesses doesn't just hand out money without expecting anything in return? This is just stupidity and carelessness...

And clearly refinancing would be a good option to get a way better interest.
That is basically the most hurtful and offensive thing you could possibly say to any German in a position of authority.

It is cutting extremely deep into their greatest national shame, one of the worst parts of any nation's legacy and all of human history.

Imagine going up to a Russian border guard and going "hail, comrade Stalin!". It's that bad, or worse.

I hope he learned an extremely valuable lesson.
Being able to recognize and learn from the environment can be seen as a the first step to learning common sense.

Imagine learning common sense without any way of getting or making sense of sensory input. Also being able to perform actions in the real world and seeing results. To be able to learn on it's own seems to be the only way to learn and develop.
> Except it doesn't run native controls, at least so far as I'm aware.

Can you tell the difference? https://3.bp.blogspot.com/-O1Naap_IGVQ/VGJsRBEfQjI/AAAAAAAAA...
> I'm pretty much an idiot now, I can barely comprehend how stupid I was at 18.

HN expects one to add to the discussion rather than simply quoting and liking, but it's hard to add anything to that quote :-)
That would mean Presidents cannot be impeached without their consent. Are you sure?
It looks like garbage on anything not GNOME 3 with default settings.
FFMpeg is not some random project - it's irreplaceable and very popular.
At first I was confused by "babelfish trained using unsupervised alignment", but realized after re-reading your comment several times, that it's about translation/communication (with other species!) based on machine-learning. Dolphins and maybe whales..

I like the thought of humanity discovering other forms of consciousness, whole dimensions we never expected or imagined.
I think you can only cite the likes of PETA for such things therefore undermining any credibility instantly.
Visit any library in Helsinki at any time and you'll discover that there are more librarians than customers. And there lies the problem, those hundreds of useless people have considerable political power, so they now try to "develop" this now worthless institution to something else.
If someone spray painted a swastika on your house, how would you react? That’s basically what people are doing to the Facebook platform, and Facebook is fine with it.

Which is weird, because they are already censoring you considering there is a long range of things you can’t share in their platform, such as pictures of you breastfeeding your baby.

I’m not sure why breastfeeding is considered worse than hate speech at Facebook but apparently it is. Please note that while I mentioned the swastika, I didn’t mean to imply that Facebook is only cool with alt-right nonsense, the truth is that you can share all sorts of radical hatred from any political standpoint and Facebook is completely fine with it.

I get the free speech argument though, but the truth is that you’re always on someone’s platform and most of them wouldn’t be cool with your crazy. I mean, you’d get thrown out of a public park if you started making Facebook styled hate comments at random strangers.
There is a lot of stuff in the iOS accessibility tools, but unfortunately nothing that makes the text on HN bigger.

Ironically, setting the "dynamic text size" makes all kinds of text in the OS way too big but lets the text on HN as small as before.

And I don't want to "zoom" because that makes the text overflow the screen on the right.
To quote the article. The bank sold student loans with expected default rates at 92 percent.

The bank knows exactly what they are doing. The partial repayments are enough to cover the initial principal and a good margin. The bank basically makes money on defaulting.

The abusive interest accrues too fast to ever be repaid. The loan will last for as long as the person live. This is only possible because loans cannot be discharged.
Do Android Wear watches have the same "bootloader isn't unlocked" that Android phones do, or are they generally open by default?
You are, like the article making the very unfair and very wrong equation of her financials and every college student in America. I’m not saying that “college students need to make better choices” I am saying that this is an article about one individual who knowingly made bad choices and is now trying to claim ignorance and blame an industry that did nothing wrong in this specific case.

We could ban loans altogether on the grounds that some people cannot handle the financial responsibility that they bring about. Or only allow loans to people who are 50 years old+ but what sort of world would that put us in?
The solution she wants is for someone to say “you don’t need to pay any more money, you already payed enough so we’ll let you off the hook” the actual solution would have been someone telling her before “you don’t have the money to take the education you want, go find a 9-5.
> If, like me, you didn't receive a ton of financial education in high school, and you're wondering how that's even possible, welcome to my boat.

While it is true that high school definitively needs a "basic finance" class (where taxes, these loans, how to save, how banks work... are explained) she got a TON of warnings, and she took a loan.