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'Cancel student debts'

by
2009-01-12 16:05

Dear Editor,

Access to education is a right and not a privilege. It is a well known fact that a majority of our black scholars and students are formally from previously disadvantaged families.

They are also from a legacy which has deprived them the right to better and quality education, thus having to be subjected to a Bantu education system.

Given the changes in the political landscape post 1994, we all hoped that the doors of learning shall be open to all freely as enshrined in the freedom charter "Education shall be free".

Access to tertiary education has been a continuing challenge, particularly to black students taking into cognisance the nature of our social background and status.

The costs of tertiary education are exorbitant in that a large number of prospective students have found themselves being denied the opportunity to pursue their respective careers.

Others are denied the opportunity to complete their studies as a result of financial exclusion, which is a trend amongst tertiary institutions. That is discriminatory and does not represent what our comrades and community at large fought and voted for.

The intervention by the National Student Financial Aid Scheme (NSFAS) is a great initiative indeed.

It has, however, left millions of South African students/graduates with huge debts. These debts include relatively high interests which are to be subsequently paid back.

A majority of these students/graduates are struggling to get proper, decent and better compensating employment. Some of them are breadwinners making it difficult to payback whilst having to prioritise family related responsibilities and others are on internships/articles that are paying far less than expected.

Worse of all others are unemployed. While these situations prevail, NSFAS interests keep on escalating. The scheme largely generates funds from taxpayers, and it therefore becomes a cumbersome exercise to pay tax and repay NSFAS simultaneously.

By virtue of paying tax, one is actually making a contribution to this government scheme. Now, why should we be subjected to a double payment which to some extent contributes to the same scheme?

In view of our current economic conditions, characterised by high interest rates, high unemployment rate and high food prices, we are placed in a situation where we are unable to payback our NSFAS loans.

We therefore need to mobilise our government, the Department of Education in particular, to consider writing off these debts, and further ensure that the doors of higher learning shall be opened to all freely through state allowance and scholarships.

Jongizizwe Hansen Dlabathi
Springs

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Xtrato 1/12/2009 4:14:16 PM
Are you insane ????????????????????
JJM 1/12/2009 4:17:35 PM
actually, its a pity it cant be cancelled. cos you clearly need to receive a proper education. Your money has already been wasted. my goodness.
Point Blank 1/12/2009 4:17:37 PM
Jongizizwe, there is no such thing as free tertiary education. Even white people had to take student loans as not all whites were rich enough to pay for their kids to attend these institutions. You work as a waiter to pay back the loans, you do any part time job to pay back. these institutions cannot run on no funding and no government would financially support these places as the costs would no doubt fall on the tax payer, the already overburdened tax payer. Your notion is not a viable one.
MJMZA 1/12/2009 4:17:53 PM
Nothing in this world is a right. You cannot have everything for free! This is the typical mentality of the people of today... I WANT IT FOR FREE!!!!! I had to make debt to go and study and pay it off afterwards. If you get everything for free then you will never look after or appreciate what you have or did on your own. Grow up for heavens sake.
Tim 1/12/2009 4:19:47 PM
I had a student loan, and have a car repayment and a house bond. Which queue can I stand in for a free hand out? Bare in mind that I am a white fella. Thought so...
Chris G 1/12/2009 4:22:00 PM
But I'm a white male that a student loan and studied through UNISA, so don't come give me your pathetic sob story. Tertiary education is a privilege, not a right. Get off your lazy backside, get a job (AA will garuntee you one) and start paying back your debts... welcome to the real world.
Mandla 1/12/2009 4:22:15 PM
I've been repaying my study loan I don't know from when but it is difficult to finish the debt because of the high interest rate. Something need to be done about it
Mel 1/12/2009 4:23:38 PM
Imagine the banks name was "The Bank of Jongizizwe Hansen Dlabathi", and you were a shareholder. Would you still write off the loans? Makes you think. Doesn't it.
Werner Pereira 1/12/2009 4:24:01 PM
As a proud African, you should make use of one of the free, excellent, internationally recognized African Universities available throughout Africa. Why would you want to make use of the expensive Apartheid ones built by racist settlers, based on an evil capitalist system where you have to pay for an education?
Smanga Zulu 1/12/2009 4:24:02 PM
I do not agree with the 'Cancel student debts' idea. Get these students working, create jobs for them and have them payback the debt so that the money can be recycled to help others!!! The 'Cancel student debts' idea is costly to the taxpayer,unfair to us who have repaid the debt and does not leave much in the way of educating other poor people...
Mel 1/12/2009 4:24:09 PM
Imagine the banks name was "The Bank of Jongizizwe Hansen Dlabathi", and you were a shareholder. Would you still write off the loans? Makes you think. Doesn't it.
KPG 1/12/2009 4:24:15 PM
Obviously written by someone who has not had the advantage of tertiary education. But just to get this straight, you want the govt to pay to allow you to ultimately be empowered to earn an astronomical salary, to the detriment of those whose grades are not as good as yours? Ok, no discrimination here, just plain old me, me, me, me!
Michael Mathebula 1/12/2009 4:25:01 PM
point taken. the debt must be cancelled or it must be an interest free loan. I am owing NFSFAS R24000 and i been paying R600 montlhy for the past 12 month but the amount does not decrease this is astonishing
Ali 1/12/2009 4:26:10 PM
Tertiary Education is not free, alot of us work really hard to earn money before going to varsity and our sacrifice is rewarded by qualifying us for better employment, if it was free it would flood the market with graduates and as you point out that jobs for graduates are already slim. You should pay back your loan as it isnt fair to other children younger than you who would like to study, and may not get the chance if the NSFAS is bankrupted by people who do not wish to pay.
Juan 1/12/2009 4:27:24 PM
Another one with a 'WE DEMAND!' attitude, with a total disregard of where the money will come from. If you can't afford to study, then just work hard in school, and you'll get a bursary. Tertiary education is EXPENSIVE all over the WORLD! And don't moan about the 'bantu' education sytem. Your retarded government braught back this sub-standard education system and just called it 'Outcome Based'. If YOUR government chose to spend OUR tax money better, (instead of buying submarines, etc) education would have been a lot cheaper. But then again 'education' does not have the lucrative financial kickbacks such as arms deals, huh?
ACE 1/12/2009 4:29:38 PM
We have been in a "democracy" for the past 15 years. If there are still students claiming that they are disadvantaged due to apartheid/ Bantu education, THEY ARE LYING!!! If it takes you 15 years to reach matric, you don't deserve tertiary education anyway!
Nonkululeko 1/12/2009 4:29:48 PM
Why dont we just make ALL education free then?.. Then you tell me who will pay for everyone to be educated?... Education is a right up to Matric, Tertiary is a privilege... We cant always have EVERYTHING for free, the world does NOT work like that, where in Gods name do you think all this free stuff you want comes from!! In our country EVERYTHING has become a right, so why bother carrying wallets/purses at all. Stop demanding and start contributing and maybe we will have a bit more to give!
The Truth 1/12/2009 4:32:15 PM
Let's see.If it's not billions of rands in municipal rates debt that the majority wants written off,then it is student debts.Why not threaten to burn all of the tertiary education institutions to the ground unless you get free university education.You don't want much,do you?! Lets rather speak about how many wealthy black students or their parents (at secondary and tertiary institutions) don't pay the fees,thereby putting pressure on those who do to compensate.
mr 1/12/2009 4:34:03 PM
i want a car for free to travel to university haha
paul 1/12/2009 4:34:59 PM
Hey, I took out a loan to pay for my son's varsity education so does that mean my loan can be written off as well?! And surprise surprise he can't get a job because of AA, BEE etc. Your government has had 15 years to sort out education but has failed miserably.
Coer 1/12/2009 4:36:07 PM
Can you also mobilise the government to cancel my homeloan - it just doesn't want to go away.
Ginger 1/12/2009 4:37:14 PM
Higher education has always been a priviledge not a right. My parents could not afford to send me to university when I finished school. There were no free hand outs in those days. If you couldn't afford it you worked and did everything through correspondence or night school. Being white does not automatically make one rich and does not automatically mean one went to university.
Nick 1/12/2009 4:38:34 PM
Why must it be only the Blacks that are suffering? What about the rest of the races and the poor whites. Why cant you do what I did, found a job straight out of school and have paid for my studies through UNSA. Make it an incentive scheme, if you get 80% and above the government should pay for you studies. This will stop the people from parting more than they study and not take their opportunity to get a education for granted? Nothing P!SS3s me off more that seeing how Wits gets trashed and destroyed every time student body doesn?t like something. Stop destroying the universities and they wont have to spend so much money on Up keep.
Aiden 1/12/2009 4:38:55 PM
Many loans could be paid over an extended period thus lowering the monthly payment. Finding a decent job should be the focus here. Writing off loans would only create a greater burden on the country/education system and would leave a bitter taste in the mouth of all pizza-making, textbook copying students who had to fight their way up. Access to education and loans is the most important part here.
Realist 1/12/2009 4:39:23 PM
Everyone has to pay their way, including previously disadvantaged people, and by taking up tertiary education there will be associated costs. Do you really expect the middle class tax payers, which just happen to be predominately white, to pay more taxes on top of the ridiculous tax already paid for no service whatsoever from the joke of a government ?.
LM 1/12/2009 4:39:53 PM
I am a white female and I feel strongly that this is where the government has failed. How do we expect to succesfully implement BEE, when black people are not given equal opportunities to education? You still need money to get a good education. The goverment really needs to focus it's attention on this and then we won't even need BEE. Not sure if it will be fair to the lending houses though. Rather than "cancel the debt", maybe goverment should subsidise?
jannie 1/12/2009 4:40:40 PM
Dear Jongizizwe Hansen Dlabathi, I am sorry to hear that you struggle to pay your loan. However, that does not merit the situation to cancel your debt. If all debts of previously disadvantaged people (water, elect, bonds, carpayments ect.) are cancelled, this country will collapse. Apartheid left a sad legacy,yes, but all that cannot just be corrected by the swing of a magic wand.
The Truth 1/12/2009 4:42:53 PM
In some cases these institutions in which the wealthy (black and white) parents do not pay the fees are then forced to close their doors.I'm white,passed grade 12 with a university exemption in 1995,but could not attend university or college as my parents were not rich.It doesn't phase me in the least as it has not held me back at all.Stop expecting the world to owe you something simply because you are black or are not from a wealthy background.
Priscilla 1/12/2009 4:43:24 PM
While you are arranging to write off your loan on your varsity fees please do the same on my house, car etc etc. That is why it is called a LOAN - you have to pay it back. We are all battling in the current econonic climate - surely logic tells you to make sure you can afford something before you buy it??????
Colin 1/12/2009 4:44:08 PM
You people moan too much. I had a student loan and paid it off working damn hard for 1 year! It can be done.... Idiots...
Sevendust 1/12/2009 4:45:17 PM
...lower interest rates on student loans? Maybe longer periods in which students can pay it off? Having a tertiary education for free isn't the answer... Unless ol' Zuma promises the toy-toying masses.
Annoyed 1/12/2009 4:46:04 PM
Eh, UNISA isnt expensive last I looked. Name me one 100% state funded university. And if you can, what is the quality of education like there? Which is not to say that I support the high fees at places like Stellies or UCT. Then again I also dont support lower pass rate requirements to meet ratial quotas. The day you see cancelled student debts is the day hell freezes over. April 01?
Thembisile 1/12/2009 4:49:27 PM
sorry to say this but our government is perpetuating the mentality of entitlelement. .
Ant 1/12/2009 4:49:33 PM
A right is something that is provided freely by nature, without requiring and inputs from humans in order to be generated. In other words, air to breathe is a right. Nothing else. If you were stuck in the middle of the jungle, it would be your right to breathe fresh air, but for everything else, even food and water, you will have to expend some effort, in other words, WORK. So the notion that free education is a right, is baloney. Someone has to pay for it. You just don't want it to be you.
Hein 1/12/2009 4:50:44 PM
I am white and I had to take out a loan from NSFAS (then TEFSA) because my grades were not good enough to get me a bursary (nor could my folks support my study fees). However, I studied and passed and now my fees are paid off. So what happens now? If student depts gets written off, do I get those moneys reimbursed to me? Oops, you didn't consider that? Also, would you consider paying 75% PAYE tax for someone else to go and study for free? Probably not.
One leg in one leg out 1/12/2009 4:51:00 PM
In Oz, if you qualify for tertiary by delivering results at school, then you can opt for the system where the state pays your tertiary fees and then you repay the state at a low interest rate over many years as a salary deduction, only when you earn a minimum of $30k. So, you are encouraged to study, get a job and start contributing. But in SA our brain dead leaders can't think of anything inventive, not too mention the hash made of school education. EISH!
I'm 3 1/12/2009 4:51:06 PM
Vote for the free for all party!!! You stupid ....
TB 1/12/2009 4:53:09 PM
As a currently disadvantaged white female I had to pay for my 2 kids tertiary edducation by means of Bank student loans - 8 years of study in total - as they were too white to qualify for bursaries and I do not earn enough to pay all expenses myself. In total the 2 loans added up to R150 000 over 8 years + interest at prime minus 3. You can imagine what the payback is. So dream on. Your little NFSAS loan is nothing in comparison. Be grateful for what you do receive already!
Spyti K 1/12/2009 4:54:27 PM
You clearly never studied economics. There Ain't No Such Thing As A Free Lunch. It is as simple as that. Yes, give them the loans at prime or even lower than prime, hell, make it rent free if you have to, but the high cost in this case is not overrated. It helps maintain the quality of tertiary education
Hein 1/12/2009 4:57:19 PM
@Michael Mathebula: Poor grammer, poor punctuation and no financial sense. It sounds like you wasted NSFAS's money. @Mandla: This is what is referred to as reading the fine print. Surely you knew what the interest rates were prior to signing the loan agreement?
Ian 1/12/2009 4:58:28 PM
I would have liked to go to University but we could not afford it, so I didn't. If you can't afford it, or you aren't clever enough to get a scholarship, then it's simple ..... you don't go.
xp 1/12/2009 4:59:33 PM
Every so-called "disadvantaged" person in SA is demanding everything for free! I never got everything for free. I PAY FOR EVERYTHING THAT I GET. REMEMBER LIVERATION BEFORE EDUCATION! Pretty stupid wasn't it?? One way you can help is to begin curbing rampant teenage pregnancies and stop the cycle of poverty. People should be taxed by the number of children they have. This cannot go on forever, something is going to happen
Pieter Joubert 1/12/2009 4:59:46 PM
And once that's been done (not yet) then there should be State universities where you get the minimum for free and others only partially subsidised depending on various factors. However there is no way that someone could study at a place like Wits UCT or even TUT with its very expensive course options for free. It's the best lesson young people could learn today - pay for what you receive if you wanna live fancy or else work your way out of poverty over many generations like other people had to.
Jimbo 1/12/2009 5:04:27 PM
has free tertiary education, and that is a first world economy! Although your notion is a good one, it would never work. Wake up and smell the real world...it is actually a priveledge, not a right.
Sibongile 1/12/2009 5:04:43 PM
I am constantly amazed at the responses here. I mean what does the arms deal and kickbacks have anything to do with the topic, Suddenly in some screwed up small brain, we are to believe that blackness is synonymous with corruption, inept governance... I mean really now. The guy raised a valid point, that if you are a tax-payer, then maybe one should get a rebate on the student loans obtained from government. Or at the very least, they should offer interest free loans.
TK 1/12/2009 5:05:51 PM
I completed my degree in 98, paid the damn loan and now its over but I'm still enjoying the financial fruits of my degrees...be real broer, this is mad...pay, that's what professionals do all over the world!!!!
jfky 1/12/2009 5:07:50 PM
Study harder, pass your subjects and the money will be there to pay for your studies. Your argument smells cheap and clearly of a lack of knowledge.
Sipho 1/12/2009 5:07:58 PM
Dude! nothing in this life worth having comes easy especially FREE!if you complain about poverty and dont study to get a good education,then concentrate less on having cool cellphones,chicks,beer,and MXIT,then you will soon realise you make your own fate.if you really did study and concentrated,are good at what you do,i assure you your skills and knowledge will pay for itself.for your childrens sake,vote for a government that cares about you!then atleast they wont write stupid letters
HVR 1/12/2009 5:08:20 PM
ONLY R24000. Count yourself lucky. Mine is mounting at R134 000.
AgShame!!! 1/12/2009 5:11:26 PM
YEAH! Government should write off all debt! They should ask JZ to hit reset upstairs! This is Africa - it might just happen...You write a soppy article Jongizizwe, just imagine being last on the list for employment too. Thanks to Affirmative Action, a white male has a study loan to repay, perhaps a car payment etc. Now go get a job! Check how many doors are closed cos ur white! Oh...sorry nevermind - all whites are mos leka rich hey!
Realist 1/12/2009 5:17:02 PM
With brain donors like this being the future generation of our country, just imagine what things will be like 10 or 15 years from now...
Student 1/12/2009 5:18:35 PM
There is no better motivator to successfully complete your studies in the minimum amount of time,than having to pay for it (or having to repay the loan) from you own pocket. I'm busy doing it, I'm white and I do not come from a rich family. Free tertiary education will only mean that some people will spend years sitting on their lazy asses, while the economically productive have to pay the bill.
Hannes 1/12/2009 5:18:51 PM
I have saved money for 18 years so that my child can go to university without a loan. Stop moaning and start saving. Will I be able to claim back the money I saved up ?
Filemon 1/12/2009 5:20:00 PM
The first part has been wasted if you are studying economics.Jongizizwe take up singing lessons and "Cry me a River" - we are all in the same boat. And the ANCircus election manifesto will mean you pay MORE tax to subsidize their supporters grants so you will have to earn More to still be where you are now. what a waste of qualified education and skills
Francois 1/12/2009 5:24:04 PM
We already have one of the highest personal income tax rates in the world. Where on earth do you think the money's going to come from to pay for free tertiary education? I'm a white male and I had to pay a quarter of my salary for the first 4 years I worked to the bank to pay back my study loan. Plus I had to work over varsity holidays to earn book and pocket money. Stop expecting to get everything handed to you on a plate! Nothing is free in the real world, you have to work for it!
Norie 1/12/2009 5:27:13 PM
Shame on You Jongi, shame on you U are so irresponsible , you studied with the loan, graduated and got a job, now u don't want to repay, u should be encouraging other ex-loanees to pay instead of wanting the debt to be cancelle, i am a proud black female that studied with help of that loan and i'm busy repaying and i plan to pay back even the last cent
Truth 1/12/2009 5:31:20 PM
Sit on your behinds and expect the world to support your sorry ass! It is one of the main reasons why Africans cant even feed themselves! You cant get something for nothing! I had a NSFAS loan, which I PAID off! The money that I paid will enable them to loan that money to someone else! It is a priviledge, not a right to attend university!
erewhon 1/12/2009 5:35:06 PM
Student loans in New Zealand were made interest free the day before the previous by the then Prime Minister (so they duck and dive there too) The new government has promised to review the situation shortly. My grandson took out full loans for study and has just finished his three year University course. He works as a milkman three times a week and over most weekends elsewhere. He has repaid nearly half of his indebtedness. No hands out culture over there....
Accountant 1/12/2009 5:36:06 PM
Michael Mathebula, work out your interest rate and what you pay monthly, currently you are only paying interest. You need to pay a higher installment. If you can't pay more you wasted your time getting educated in a field which doesn't pay. I used NSFAS, I am white. I worked very hard and I still do to pay my debt off. You can not expect the bank to incur the loss. Your article has racial lines - hear this - just stop it now.
Lee 1/12/2009 5:36:57 PM
is that what i'm reading in your letter ? You want an a degree, you want nice facilities and great teachers .. and you want it all for free .. so who pays the highly qualified teachers for their time, since when is any university a charity ? and who pays the people who look after the grounds and the rooms ? and do you actualy think computers and liberies just happen ? You need a wake up call my girl !
Please just pay 1/12/2009 5:37:16 PM
When you borrow money, you know that you will have to pay it back, nevermind what it is used for. I also had to repay a study lone and I am a white male who really had to work hard as I am one of those who in recent years had to stand in the back of the queue for employment, but I made it and I paid my debt. I couldn't buy a car for the first five years that I was working and I couldn't do many of the other things that my black collegues who had bursaries and higher salaries did.
Henry Kruger 1/12/2009 5:46:00 PM
Can someone support this, I will be first in line for scrapping my loans. This sound like socialism (Who will pay? Not my problem.) Please send me application forms. -
Alternative 1/12/2009 5:51:25 PM
Yah canceling the debt is crazy. But really paying tax and student loan is hard for anyone. I think it would help quite a lot if one got some tax assistance or break because one's paying a student loan. Even just making up to 10% of peoples salary tax deductible for paying the student loan. That would help. Loans get payed and students pay tax. The alternative makes studying and working you ass of very unattractive for people in this country. That results in a growing population of idiots.
Phinah 1/12/2009 5:55:53 PM
Lets all remember we have been brain washed to believe that the government will do this for us, Damn even the streets banner states that and of course The ANC president confirmed this on Saturday during his launch of the ANC Manifesto I dont blame him at all.. he is an ANC child... that all he knows...unfortunately the world is a circle.... You need to give in order to receive
James 1/12/2009 5:56:36 PM
When will Africans take responsibility for Africa? (Yes, I am looking at the whole continent and generalising). Africa seems to spend it's life relying on handouts to purchase evil Western invented items. Why can't Africa educate its people and so they can start producing/inventing. Economies grow on production, not redistribution and free lunches. Stop voting ANC if you want improvement.
Ali 1/12/2009 6:00:47 PM
You must be crazy,really you must be totally insane...as many have already said,tertiary education is a privelege and NOT a right...period...and not just in SA, but the entire WORLD!!!I had a student loan, which cost me plenty, but no complaints, you pay for it...cos its for your betterment...
Sickofit 1/12/2009 6:03:12 PM
Here we go again... Another PRIME example of what is one of the most destructive things in SA today - the entitlement mentality. You are not ENTITLED to everything you see my friend. Wake up. There are too many fools like you in this country.
Will 1/12/2009 6:03:38 PM
when does PREVIOUS changes to CURRENT DISAVANTAGED? let me guess: NEVER.
Sean 1/12/2009 6:07:40 PM
You live in a fool's paradise if you think it can simply be cancelled, my friend. Someone has to pay for it - in this case, you're asking the taxpayer to do so. Many of them are already paying for their own children's education. In the "big" world, cancel is unfortunately not an option.
GailC 1/12/2009 6:18:38 PM
You have access to a computer somewhere, no doubt have a cell phone and fashionable clothes. I earned my bursary in apartheid years and had to repay it when I decided not to continue the following year. If you were a teacher would you be prepared to work for nothing? That's what it comes down to. Not even the air we breathe is free. More people born every day how is this freedom paid for? You are disadvantaged because parents had too many kids. Even 1 is 2 many if neither had jobs.
CS 1/12/2009 6:24:05 PM
My dad could not afford my 4 years of uni fees, books, stationery, clothes, bus fare, food & entertainment. I studied hard for grade-related merit discounts, worked part time jobs 7 days a week & throughout my holidays, & took the remainder as a student loan, which I paid off within 2 years of qualifying. Being White gave me extra privileges. If I could do it, anyone can. This taught me the value of hard work & responsibility. There is no sense of entitlement here. Try it!

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