A Quote by John Kline

For too many years, politicians in Washington have been eager to pledge more hard-earned taxpayer dollars to help deal with the student debt load. But this doesn't sit right with the many Americans who take pride in making fiscally responsible choices and paying off their loans on time.
A consolidation makes sense only if you can lower your overall interest rate. Many people consolidate by taking out a home equity line loan or home equity line of credit (HELOC), refinancing a mortgage, or taking out a personal loan. They then use this cheaper debt to pay off more expensive debt, most frequently credit card loans, but also auto loans, private student loans, or other debt.
I think Americans are - particularly, independent voters are looking at Washington, and they see too many taxes, too much spending, too much debt, too many Washington takeovers, and they want to provide a check and a balance to what they see as a runaway, overreaching Washington government.
Environmental concern is a little like dieting or paying off credit-card debt - an episodically terrific idea that burns brightly and then seems to fade when we realize there's a reason we need to diet or pay down our debt. The reason is that it's really, really hard, and too many of us in too many spheres of life choose the easy over the hard.
Sadly, far too many politicians in Washington lack the courage to do something to fix our problems. They are worried about the political implications of making the hard choices we so desperately need to cut spending and shrink government.
So we are in for years of debt deflation. That means that people have to pay so much debt service for mortgages, credit cards, student loans, bank loans and other obligations that they have less to spend on goods and services. So markets shrink. New investment and employment fall off, and the economy is falls into a downward spiral.
When it comes to the war in Iraq, the time for promises and assurances for waiting and for patience is over. Too many lives have been lost, too many billions of dollars have been spent for us to trust the president on another tired and failed policy that's opposed by generals and experts, Democrats and Republicans, Americans and many of the Iraqis themselves.
Goals work. Pick one debt, and then put every dime into paying down that one debt. Once that debt is paid off, start paying down the next debt. Pretty soon it's time to move from paying debt to building savings.
If you're one of the millions of people who have student debt right now, I'll help you refinance your loans at better rates.
Student debt is crushing the lives of millions of Americans. How does it happen that we can get a home mortgage or purchase a car with interest rates half of that being paid for student loans? We must make higher education affordable for all. We must substantially lower interest rates on student loans. This must be a national priority.
If you have a young student, don't let him take too many punches to the head. There's the right moment to do a hard training, but it can't be every day. A good coach takes care of your student.
And I want to work with this Congress, to make sure Americans already burdened with student loans can reduce their monthly payments, so that student debt doesn't derail anyone's dreams.
If a student believes that taking too many exams is hard or skipping advanced courses for a lighter load is a better deal, just wait until he or she goes to college and needs to prepare for finals or has to figure out complex work problems in a stressful environment.
I am just one of the overwhelming majority of Americans who is responsible and hard-working and at one point in their life benefited greatly from government programs such as student loans, Medicare, and Social Security.
Whether we are working to pay off student loans, credit card debt, paying for elder or childcare, or even trying to save for retirement, the idea of the American dream still remains just that - a dream.
Increasing access to federal student loans has been a bipartisan effort in Washington, one that I have supported. But it has created what many experts believe is a bubble in higher education, not unlike the housing bubble that preceded the financial crisis.
I believe when hard-working citizens have earned their pension, it's wrong for Washington bureaucrats and politicians to take their pensions away.
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