Chapter 3 Student Loans
Author: died of exhaustion
Whenever they see the words American gangster, the first thing many people think of is the movie "The Godfather", the Mafia, and Sicily.
Those who know more may know Jimmy Hoffa or the famous ruthless Al Capone from movies such as "The Irishman" and "Once Upon a Time in America".
In fact, the concept of American gangsters conveyed to ordinary audiences by Hollywood movies is actually very limited, and most of them are just gangsters in the concepts of the media and Italian directors.
Historically, the largest gang in the United States is the Irish gang. Although this group has no great ambitions, most of them hang out on the streets and operate in fixed areas. Jewish gangs and Mexican gangs can compete with the Mafia.
Down.
Part of the background of the American TV series "Breaking Bad" is very realistic. The products in Mexico and Colombia are extremely competitive, which makes the Mafia withdraw from the industry and turn its financial resources into the gambling industry.
The Mafia is so famous for two reasons:
First, the southern Italian immigrants who can nurture Italian communities are concentrated in the northeastern United States, that is, the six New England states, the Great Lakes, three New York states, two Virginia states, and other places (Connecticut is repeated twice, but
As long as everyone understands), except for the West Coast and the Gulf of Mexico, the major cities in the United States are concentrated in this area. They are born with the temperament to make news. In addition, the first generation and the 1.5th generation of mafia (mafia) are all about blood for blood.
, a desperate person who sacrifices his life for his life, and media people who like the whole big news naturally love to write stories about the mafia.
Second, Italians have given birth to many great directors and actors, such as director Martin Scorsese, whose works include: Shutter Island, The Wolf of Wall Street, The Irishman, Gangs of New York, etc.;
Another example is Francis Ford Coppola, Quentin Tarantino, Sofia Coppola, Bernardo Bertolucci and other international directors.
Among the well-known actors with Italian ancestry are: Ernest Bergning, Nicolas Cage, Stallone, Madonna, Lady Gaga, Monica Anna Maria Bellucci, Leo DiCaprio
Nado DiCaprio, Captain America actor Chris Evans.
Although some actors do not admit that they are Italian immigrants, they do have Italian ancestry and are regarded by Italian directors as one of their own.
With so many Italian directors and actors, a sufficient number of films were born to tell the story of the Mafia.
The influence of classic film and television dramas is far greater than historical facts. With word-of-mouth transmission from generation to generation of viewers, the Mafia has naturally become synonymous with Italian communities and even American communities.
But in fact, in New York, the Italian community is not exactly the same as the Mafia.
For example, in the community where the Conti family is located, immigrants mainly come from Naples and other places in southern Italy. Gang members should be called camorra, which is Camorra.
The biggest difference between this society and the mafia is that it does not care about blood. It was the first to introduce the fashionable concept of partners. Partners are usually strong society members who are not pure-blooded Italians, which can attract talents, grant franchises, and expand business scale.
function.
In other words, it operates more like a multinational company.
Therefore, comorra pays more attention to efficiency and cares more about profits.
Asking them to borrow high-interest loans, Bill thought it would be better to just borrow student loans.
At least banks that grant college loans don't put horse heads under borrowers' beds in the middle of the night.
"No, no, no, schooling lasts four years. I'm afraid I'll have to ask my godfather to borrow money from someone every year. We'll be in big trouble if we can't pay the interest." Bill quickly tried to convince his uncle, uncle, and grandparents.
He thought for a long time and squeezed out a word: "Unsustainable, yes, four years of tuition cannot be paid for using unsustainable funding sources such as one-time loan sharks."
"Then what can we do?" The driver's second uncle waved his right hand that was made into chicken claws. "We are not rich people. How can we come up with so much money at once without borrowing money from our own people? Do you want to
Go find those bastards at the bank?"
Bill also imitated his second uncle and held his right hand, "Actually, I have a very good solution. There is a person who admires my sister very much and is going to sponsor her to go to college."
He waved his chicken feet at the elders, then looked back at his sister Dorothy, winked at her with his right eye, and then prepared to talk nonsense.
Although Dorothy didn't know what her illiterate brother was up to, she had a tacit understanding and didn't immediately question it.
"It's like this. Dorothy's high school principal, Mr. George Jackson, greatly admires Dorothy, an Italian girl who works hard and makes progress, so he is going to sponsor her to go to college. Of course, the amount of sponsorship is not much, it is only enough to cover the state university.
Tuition. So I think, if Dorothy only goes to a state university, we don’t need to go to the moneylender recommended by the godfather. After all, we are Italians and the interest is quite high."
After Bill finished speaking, his right hand subconsciously made a rubbing motion between his index finger and thumb.
What he said sounded true. The four middle-aged and elderly people with little savings looked at each other, spoke in Italian, and nodded.
My eldest uncle is a serious shopping mall security guard, my second uncle is a driver and drives a large truck for a logistics company, my uncle is a freight worker in a supermarket, and my grandpa washed cars at a car wash for half his life, but he didn't save much money.
Such a family naturally does not have the habit of saving money for the education of future generations, so asking these three small families to come up with $1,000 in cash would end their lives.
The principal in Bill's words was naturally not so kind as to pay tens of thousands of dollars for college tuition for one student.
A normal American man will usually have three financial crises. The first time is the tuition loan for college, the second time is the mortgage loan, and the third time is the support payment to his children and his evil ex-wife after divorce.
In fact, if you successfully get a high-paying career after graduating from college, then the tuition loan will be quite cost-effective, because compared with the interest rate of more than 10% on credit cards, the tuition loan for undergraduates is 5.5% and for master's degrees is 6.6%.
The interest rates are not high at all.
There is a very simple example. The marketing account claimed that the student loan was repaid until the age of 40, the leader of Ao Guanhai bought a car and a house in Chicago before paying off the student loan. The reason why he paid off the student loan so late is,
Simply because student loan interest rates are low.
"I can spare sixty dollars a week." The second uncle suddenly said this after speaking in Italian for a long time.
"Sophia and I can spend about forty dollars a week!" My uncle also expressed his opinion.
Sofia is the name of an aunt, and it is also the most commonly used Italian girl's name. It is no exaggeration to say that half of Italian women have the name Sofia.
The uncle also waved his right hand, "Then let's get forty dollars, too. One hundred and forty dollars a week should be enough for food, drink and housing."
"Yes." The second uncle also agreed, "In addition, Bill also has a salary, and he gives some to his sister, which is enough for her to go to college."
They roughly finalized the source of Dorothy's living expenses for college.
This kind of support is already the limit that this illiterate family can provide, because the expenditure of dozens of dollars per week means that the family basically has no additional entertainment activities. It is conceivable that in the next few years, they may even need new clothes.
Can't afford it.
"Thank you...we are a family..." Bill and his sister hurriedly hugged each elder one by one and gave them a kiss.
PS: Please collect it, recommend it, and give it a monthly pass.
Chapter completed!