What people should be aware of is that they are entering "grown up land" and they should be fully educated in debt, interest and personal economy before they ever sign for loans of any kind.
that and they should have an understanding of work ethic
Johhny,
I have to disagree with you about how you value a university education, i agree that the schools do not do enough to provide their students with experience in their chosen field of study so that they may graduate with some level of experience. people don't seem to understand that your "summer job" should absolutely be related to what you're studying otherwise you're graduating with nil experience and probably not much of a clue on where their job market is or how they even want to apply their piece of paper on the wall.
a piece of paper that, like it or not, represents a proven ability for critical thinking.
if an engineer didn't go to university and was trained by an independent, that is a recipe for falling bridges. i say this because i work in a trade that has no programs or seal, companies keep their secrets and by there not being any schools to offer this trade it is sadly dying out. i have gained hard won experience yet there is no option of it ever getting recognized. its a decent living but seasonal work that wears on your body throughout the years.
i personally would like to see a lot more cross training, there is nothing about education that is bad, just the cost.
for example. if you go to NB for carpentry, you do the course and then register in the apprentice program. now bear in mind you cannot leave the province and work unless you've gained your red seal. which requires four years of full time work in your trade.
it is very hard in canada to gain all your apprentice hours in four years. if you move to another province without that seal then you're starting your apprentice hours from scratch..now that's an issue worth looking at.
I
i say this because i entered into university completely naive like most people. and for myself university was not a great place. but i do not discount what experience i did gain there and know it has helped me out these past few years.
so any education is good, i can make great money working with my hands and back, but that's the cost. many university educated people have little respect or knowledge of the tradesmen that build their homes. all they care is that it's seasonal work. and they go on ei.
office jobs have made people weak, when they hurt themselves bending over for a pen because they are out of shape well then they get their time off and benifits for recovery
when i pull muscles, i'm expected to get back to work i don't belong to a big faceless machine but a team that has to dog it even harder to get finished when we're a man down. there's no benefits, people are discouraged to even bother with workers comp, it just raises the bosses premiums and unless it's a broken limb or loss finger it's not worth the trouble (this is true all over the place)
this has become a rant, i apologize, and i'm no english major so please ignore the horrible grammar
but i main points are that both university and trades educations are valuable, it is up to the individual to make the best of their lives. know the value of your university degree before you commit to the debt, most times trades school is a better option for finding satisfying work immediately after grad.
and i'm a huge proponent of taking that year off before university, get a job and understand what it's like to work and have bills before you take the plunge. i know i had to learn to work and like to work the hard way. worked service industry before and during the off seasons of building log homes. it's a lifestyle i do not care for, even though i enjoy building people their dream home it is not a year round job.
lastly i think that people who experience the death of an immediate family member should have their credit watched like a hawk for two or three years afterward. it's very easy to throw all that away.
Loan Rehab in NB
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some of the patronies at CRA would totally agree with this.