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Noahpinion's profile
Noah Smith
Noah Smith
Noah Smith
Verified account
@Noahpinion

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Noah SmithVerified account

@Noahpinion

Bloomberg Opinion writer. Elected "top neoliberal shill" of 2018. Occasionally posts anime gifs.

San Francisco, CA
bloomberg.com/view/contribut…
Joined April 2011

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    1. doubtthat‏ @doubtthat11 Oct 19
      Replying to @Noahpinion

      Yes, definitely the guy asking "what predatory behavior" in a discussion about student loans who holds the high ground.

      2 replies 0 retweets 1 like
    2. Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @doubtthat11

      So you're saying I doubt stuff, while you proceed serenely forward, untroubled by any pesky facts that contradict your thesis? :-)

      1 reply 0 retweets 0 likes
    3. doubtthat‏ @doubtthat11 Oct 19
      Replying to @Noahpinion

      Haha, no, I'm saying that you are very energetically arguing against a point I didn't make while very smugly congratulating yourself while not exactly demonstrating a great command of the subject.

      1 reply 0 retweets 0 likes
    4. Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @doubtthat11

      But none of that is true. I guess I haven't deleted my tweets and blocked you yet, if that qualifies as "energetic". You've failed to engage with my central point (i.e. that loan processors aren't a major factor in the student debt crisis). And my command of the subject is great.

      2 replies 0 retweets 1 like
    5. doubtthat‏ @doubtthat11 Oct 19
      Replying to @Noahpinion

      It depends on what you mean by that. They aren't driving the problem, that's a massive, broad societal issue that involves states taking on more health care expenses, cutting educational funding... But they are a source of misery for millions and millions of borrowers.

      1 reply 0 retweets 0 likes
    6. Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @doubtthat11

      No they're not the source of misery. They're merely the implementation of the misery. Less "predatory" processors that allowed people to de-facto default on their loans without harassment would be fine, but there's a reason the govt. doesn't hire or create such processors.

      1 reply 0 retweets 0 likes
    7. doubtthat‏ @doubtthat11 Oct 19
      Replying to @Noahpinion

      I sinderely don't follow. They are actively engaging in damaging practices. The Consumer protection board found this. States have filed lawsuits. Obama era protections limited some of the behavior, then Trump admin pulled back and the complaints are up.https://www.consumerreports.org/student-loans/student-loan-servicers-complaints-mount-as-protections-erode/ …

      1 reply 0 retweets 0 likes
    8. Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @doubtthat11

      Yes. The point is, hiring (or creating) processors that don't do shitty things to harass people to repay their loans is basically letting people de-facto default. Which is fine, though not nearly as good as formally letting people default. There's a reason neither has been done.

      2 replies 0 retweets 0 likes
    9. doubtthat‏ @doubtthat11 Oct 19
      Replying to @Noahpinion

      Yes, I agree. My argument was not to eliminate repayment enforcement, but to rein in the crappy behavior. Like, they do similar shit to, say, Wells Fargo - soaking people with bullshit fees, being deceptive...but I still think there shoud be banks.

      1 reply 0 retweets 0 likes
    10. Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @doubtthat11

      I agree. They should. They should also forgive part of student debt. BUT. Student loans are 45% of the federal govt.'s financial asset portfolio. So it's understandable that they don't want to do this.

      2 replies 0 retweets 1 like
      Noah Smith‏Verified account @Noahpinion Oct 19
      Replying to @Noahpinion @doubtthat11

      It will probably be possible to force govt. to forgive some part of student loans. BUT, in the long term, getting govt. out of the student loan business - as much as I'd like govt. to take a more active role in other areas of finance - seems like an important thing to do.

      5:47 PM - 19 Oct 2018
      • 3 Likes
      • 🍍Tommaso Sciortino🥑 ETPFoundation.org doubtthat
      2 replies 0 retweets 3 likes
        1. Noah Smith‏Verified account @Noahpinion Oct 19
          Replying to @Noahpinion @doubtthat11

          And getting govt. to forgive even a little bit of student loans will be a very very hard task, politically.

          0 replies 0 retweets 1 like
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        2. doubtthat‏ @doubtthat11 Oct 19
          Replying to @Noahpinion

          The long term solution, in my opinion, comes from the other direction - going after some of the factors that have caused the cost explosion/decreasing of state funding. I'm open to opinions on the government role.

          1 reply 0 retweets 0 likes
        3. Noah Smith‏Verified account @Noahpinion Oct 19
          Replying to @doubtthat11

          Basically the govt. first encouraged companies to lend kids a ton of $, then started lending it directly, which fed tuition rises and people taking on more debt than they could afford. That policy needs to end.

          2 replies 0 retweets 1 like
        4. Noah Smith‏Verified account @Noahpinion Oct 19
          Replying to @Noahpinion @doubtthat11

          State funding is good. Govt. grants are OK but will push up tuition. Tuition caps are probably a bad idea. I favor increasing govt. grants for poor kids only, which will shift the tuition burden onto the rich.

          1 reply 0 retweets 1 like
        5. Noah Smith‏Verified account @Noahpinion Oct 19
          Replying to @Noahpinion @doubtthat11

          Simply getting the govt. out of the student lending business and switching to poor-kid-only grants will force colleges to reduce tuition, shift the burden onto rich kids, and hopefully prompt states to increase funding again.

          2 replies 0 retweets 1 like
        6. doubtthat‏ @doubtthat11 Oct 19
          Replying to @Noahpinion

          I can support that.

          1 reply 0 retweets 1 like
        7. Noah Smith‏Verified account @Noahpinion Oct 19
          Replying to @doubtthat11

          Yayyyy!!! Agreement at last. OK time to go do something productive with my life (i.e. give treats to a rabbit)...

          0 replies 0 retweets 2 likes
        8. End of conversation

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