Dude, it's hard to address your points when you actually consider a ten year repayment plan on 150k on a 45k salary something at all reasonable.
For the record, if the online calculators I'm using are correct.
After tax take home in Colorado on 45k: 33,729
On 15k: 12,063
Now, subtract 1700 a month debt payment on your 45k: 13,329
Yeah, three years of law school are sure worth an extra $1300. Especially given that as a barista I'd welfare and can bang my impressionable newly legal coworkers.
You are completely missing the point. I want you to go through EVERYTHING i have said ITT and quote where I said "oh yea that's a pretty good and reasonable outcome". HINT: I never said that. I responded to lord Randolph about what constitutes as "totally broke" (most people on these boards don't have a fuckig clue what being totally broke is actually like so often their perspective is way out of whack with real life). You then responded with I would rather make 15,000 then 45,000 with debt. I said, based on my experience, I would much rather have the debt with the 45,000. You are putting my point way out of context. Never once in any of these posts have I advocated to someone that taking out six figure debt for a 40,000 job was a great idea with a reasonable outcome.
I am merely saying that making 15,000 a year or less is truly truly horrendous. And the type of jobs that pay this hardly ever give room for raises or advancement. They are usually high school level jobs.
Edit: and you're still assuming the guy making 45,000 would never make a penny more per year ever in his life. Again, life is never that static. I'm all for the law school transparency thing and informing students. But sometimes this just gets out of hand. There needs to be some balance and objectivity here.