Register FAQ / Rules Forum Spy Search Today's Posts Mark Forums Read
Go Back   MacRumors Forums > Mac Community > Community Discussion > Current Events

Reply
 
Thread Tools Search this Thread Display Modes
Old Jan 15, 2012, 03:03 PM   #1
GKDAIR
macrumors regular
 
Join Date: Oct 2011
Do you think it is wrong to use Financial Aid for things like Macs?

I don't think its wrong. If it is was that frowned upon I don't know why the government would give you back the money in the first place.

The only things I've ever used financial aid on was for fixing things or helping me out through college. I bought a macbook air because i didn't have a computer for college and quite frankly its the best computer I've owned. Ive also fixed me car from being an utter POS to drivable all through financial aid, and I don't feel like I've done anything wrong.
GKDAIR is offline   -2 Reply With Quote
Old Jan 15, 2012, 03:05 PM   #2
Ivan P
macrumors 68030
 
Ivan P's Avatar
 
Join Date: Jan 2008
Location: Home
Send a message via AIM to Ivan P
Sorry if I sound ignorant, but what's the point of this topic? It honestly sounds like you have your doubts about it being 'right', so you're looking for other people to validate your opinion so you don't feel so bad?
__________________
Black 64GB iPhone 5 / Black 3rd-gen iPad, 64GB Wi-Fi
17" 2011 MacBook Pro, 2.4GHz Core i7, 750GB HDD, 6GB RAM
11" 2010 MacBook Air, 1.4GHz, 128GB SSD, 2GB RAM
Ivan P is offline   8 Reply With Quote
Old Jan 15, 2012, 03:07 PM   #3
GKDAIR
Thread Starter
macrumors regular
 
Join Date: Oct 2011
Quote:
Originally Posted by Ivan P View Post
Sorry if I sound ignorant, but what's the point of this topic? It honestly sounds like you have your doubts about it being 'right', so you're looking for other people to validate your opinion so you don't feel so bad?
No I don't have doubts. I'm just wondering what other people think.
GKDAIR is offline   0 Reply With Quote
Old Jan 15, 2012, 03:10 PM   #4
malman89
macrumors 65816
 
Join Date: May 2011
Location: Michigan
No, it's totally fine. It should say somewhere on your loan disbursement or pre-loan counseling your school should've made you go through what you can spend the money on. Federal loans can be used for school and school expenses - which really means anything during your time in school. Tuition, books, rent, food, laptops and software are more than covered.

Pretty much anything is really. There's no accountability to track what you're using the money for. It's just not smart to take out more than you need - the interest is going to bite you down the road. It's important to note the only way to shed student loan debt is to (a) die or (b) become so disabled to not have a chance to earn money to pay off your debt. You can't discharge the debt in bankruptcy.
__________________
Current Machine: Lenovo IdeaPad Z510

Old Machine: Late 2006 Model - 13.3" MacBook, 2 GHz C2D, 4 (3.3) GB RAM, 500 GB 7200rpm HD running OS X 10.6.8
malman89 is offline   6 Reply With Quote
Old Jan 15, 2012, 03:24 PM   #5
Menel
macrumors 601
 
Menel's Avatar
 
Join Date: Aug 2011
Location: Atlanta
If you're in some graphic design, artsy program that leans heavily toward Mac based tools. Sure, its probably a necessity. Otherwise its a luxury extravagance.

Most would be more economically and practically served by a $3-400 wintel.

Years ago I picked up a refurb $500 Thinkpad in my third year of school, it was a work horse that lasted me until well past college. Reports, coding, linking to serial/parallel prototyping boards and robotics. And after school for use traveling mobile communications, web, email, IM etc. I think that refurb lasted me 8yrs. It finally died and now iPhone/iPad fill its void.
__________________
iPhone 5 \ iPad Air \ Mac mini i5/Radeon
Menel is offline   0 Reply With Quote
Old Jan 15, 2012, 03:36 PM   #6
thejadedmonkey
macrumors 604
 
thejadedmonkey's Avatar
 
Join Date: May 2005
Location: Pa
Send a message via AIM to thejadedmonkey
It's not wrong if you need it. If you don't need it though, I don't know why you got it. It's just spending more money that you don't have. That's why so many people are in debt today.

Honestly, there's nothing about a Macbook Air that you need, that a PC couldn't do. Is it right or wrong? Morality is tough to call, but was it a necessity? Definitely not. How do I know this? A mac for college is useful if you need it for film/photography/etc., in which case you'd opt for a computer with a larger hard drive and faster CPU.
__________________
MacBook 17" MacBook Pro iPod Nano Apple TV
PS4 Custom Windows 8.1 Desktop WP8.1
"Good judgment comes from experience,
experience comes from bad judgment."
- Mulla Nasrudin
thejadedmonkey is offline   0 Reply With Quote
Old Jan 15, 2012, 03:47 PM   #7
thekev
macrumors 603
 
thekev's Avatar
 
Join Date: Aug 2010
Quote:
Originally Posted by thejadedmonkey View Post
A mac for college is useful if you need it for film/photography/etc., in which case you'd opt for a computer with a larger hard drive and faster CPU.
I would tend to agree there. If you're going to school in one of those areas, they tend to be very Mac driven. These days it matters less, but for many many years this stuff was better supported on a Mac. In one of those areas, I'd hate the small display and ram limitations (SSD helps somewhat, but it's not the same).
__________________
world's largest manufacturer of tin foil hats, none of that aluminum foil crap.
thekev is offline   0 Reply With Quote
Old Jan 15, 2012, 03:52 PM   #8
Rodimus Prime
Banned
 
Join Date: Oct 2006
It is one of those depends answers. None of the stuff you listed is in the wrong category assuming you either did not have a computer or were replacing a fairly old and out dated one.

Example of something that I have seen people do with Financial aid that I do not agree with. For example I knew one person who spent the money on getting a top of the line MacBook pro. Their major and what they used it for was a complete waste. They did do any heavy lifting type of work and was used for surfing the web and writing papers and then they replaced it 2 years later.
Another person used their aid to buy iPod touch and an iPad.
Now using it for that stuff is one thing but then they turned around and complained about their lack of funds and wish they got more aid.

Now in my financial aid I got left over after books I had around 400ish last semester and I am looking at around 200ish this semester. Differences in amount is this semesters books cost more and I did not get as much off selling my books. The money for me just gets tossed into my general funds which the aid turns out to be enough to slow down the bleed off my personal savings to make it to the end of school.

What have I been using my savings for? Things like gas for my car and food and little odds and end. The major purchases have been put on hold. Hell the first big thing I bought myself in the past 3 years was I bought myself skyrim. Yeah a 60 buck video game was my first real new toy that I bought myself in several years and I took the money off one of my books being sold.

Quote:
Originally Posted by thejadedmonkey View Post
Honestly, there's nothing about a Macbook Air that you need, that a PC couldn't do. Is it right or wrong? Morality is tough to call, but was it a necessity? Definitely not. How do I know this? A mac for college is useful if you need it for film/photography/etc., in which case you'd opt for a computer with a larger hard drive and faster CPU.
That is an it depends argument. Windows vs OSX. Even in photographery I could argue now against OSX easily as you can get a lot more horse power for less in Windows and OSX does not provide anything special in terms of tools. All of it is out there for Windows just fine. The only tool that is not out for both platforms is Final cut and lets faces it Final cut X is a joke and is not professional grade. As such the software in uses is out for both platforms.

If you are going into engineering or programming I would say getting a Mac is not worth it since in Engineering a lot of the software you need to use is Windows only and programming a lot of .net and windows studio stuff is used so you will be in that OS any how. Sorry but the dev software out there for OSX is no were near as good as what is out there for windows.
But over all it is a small group of people either way on which OS is better for them is effected by more than personal preferences.

Last edited by Rodimus Prime; Jan 15, 2012 at 03:57 PM.
Rodimus Prime is offline   0 Reply With Quote
Old Jan 15, 2012, 03:52 PM   #9
GKDAIR
Thread Starter
macrumors regular
 
Join Date: Oct 2011
Yeah my views are that it doesn't really matter. I mean they give the money back to you with no strings attached, except for the whole paying off loans thing.

I picked a macbook cuz i was tired of all my windows problems but thats besides the point.

If someone bought a car with their financial aid money I really wouldn't care, id be jealous though, lol.
GKDAIR is offline   0 Reply With Quote
Old Jan 15, 2012, 04:12 PM   #10
wordoflife
macrumors 604
 
wordoflife's Avatar
 
Join Date: Jul 2009
I certainly wouldn't be buying a Mac with financial aid $$ unless I needed it. That's all I can say.
wordoflife is offline   1 Reply With Quote
Old Jan 15, 2012, 04:14 PM   #11
dukebound85
macrumors P6
 
dukebound85's Avatar
 
Join Date: Jul 2005
Location: 5045 feet above sea level
Quote:
Originally Posted by GKDAIR View Post
Yeah my views are that it doesn't really matter. I mean they give the money back to you with no strings attached, except for the whole paying off loans thing.

I picked a macbook cuz i was tired of all my windows problems but thats besides the point.

If someone bought a car with their financial aid money I really wouldn't care, id be jealous though, lol.
No, there are strings attached. It is for educational expenses only and if you get caught, you can get in trouble. Granted, what is educational expenses are is blurry (ie housing, transportation, etc)
dukebound85 is offline   0 Reply With Quote
Old Jan 15, 2012, 04:58 PM   #12
steve2112
macrumors 68040
 
steve2112's Avatar
 
Join Date: Feb 2009
Location: East of Lyra, Northwest of Pegasus
Heh, I once bought a car with my financial aid, so I would say buying a Mac isn't that big a deal. It's better than blowing it on partying.
__________________
He's wise enough to win the world, but fool enough to lose it.
steve2112 is offline   0 Reply With Quote
Old Jan 15, 2012, 05:05 PM   #13
Apple OC
macrumors 68040
 
Apple OC's Avatar
 
Join Date: Oct 2010
Location: Hogtown
financial aid to buy a Mac? ... how is this possible?
__________________
one Stupid Blog
Apple OC is offline   1 Reply With Quote
Old Jan 15, 2012, 05:09 PM   #14
CorvusCamenarum
macrumors 65816
 
CorvusCamenarum's Avatar
 
Join Date: Dec 2004
Location: Birmingham, AL
Quote:
Originally Posted by Apple OC View Post
financial aid to buy a Mac? ... how is this possible?
(Loans you take out + grants + scholarships etc.) - (actual cost of tuition + fees etc.) = refund check sent to you from your school.
__________________
Much of modern liberalism consists of people trying to get revenge on the football players to whom they felt inferior in school.
CorvusCamenarum is offline   0 Reply With Quote
Old Jan 15, 2012, 05:16 PM   #15
JoeG4
macrumors 68020
 
JoeG4's Avatar
 
Join Date: Jan 2002
Location: Bay Area, Ca.
Send a message via ICQ to JoeG4 Send a message via AIM to JoeG4
I'm taking a computer science class right now where you have to have a Mac because we're doing iOS development.

It can totally be necessary, just don't blow your money recklessly. I know people that will be up to their eyeballs in debt really bad because they decided to go move into the fancy brand new apartments on my campus where a ROOM costs about $1100/mo (and sharing one is around 650!).

The amount of money you can save living elsewhere would easily equal a 15" MBP lol.
__________________
I've been a huge fan of Mac OS X since 2001!
JoeG4 is offline   1 Reply With Quote
Old Jan 15, 2012, 06:43 PM   #16
Rodimus Prime
Banned
 
Join Date: Oct 2006
Quote:
Originally Posted by JoeG4 View Post
I'm taking a computer science class right now where you have to have a Mac because we're doing iOS development.
It
It can totally be necessary, just don't blow your money recklessly. I know people that will be up to their eyeballs in debt really bad because they decided to go move into the fancy brand new apartments on my campus where a ROOM costs about $1100/mo (and sharing one is around 650!).

The amount of money you can save living elsewhere would easily equal a 15" MBP lol.
It am seeing the iOS development classes for "mobile" development but I honestly would rather see Android or Windows Phone device be the classes because skills learned in those classes better transfer out of the mobile device would and by that I mean object c is rather different and weird when compared to what else we are taught and use in school. Plus I see in the next 5 years iOS will not be the top mobile platform to develop for as Android will take top spot and the skill sets between windows phone and android better transfer around. Reason being is one is java based and the other is c# and .net based.
Yes I have played with all of them and object c was the strangest to me and i have heard the same from multiple people. I see school changing to android and windows phone in the future.
The other thing is it is a lot cheaper for a student to put things in android and windows respective markets. $25 for android and free for windows phone 7 compared to 100 for Apple.
Rodimus Prime is offline   -3 Reply With Quote
Old Jan 15, 2012, 06:51 PM   #17
JoeG4
macrumors 68020
 
JoeG4's Avatar
 
Join Date: Jan 2002
Location: Bay Area, Ca.
Send a message via ICQ to JoeG4 Send a message via AIM to JoeG4
You don't need the $99 membership unless you want it (our uni has an account anyway), but we do have classes that cover Android development too
__________________
I've been a huge fan of Mac OS X since 2001!
JoeG4 is offline   0 Reply With Quote
Old Jan 15, 2012, 06:55 PM   #18
EricNau
Moderator
 
EricNau's Avatar
 
Join Date: Apr 2005
Location: San Francisco, CA
It's not wrong at all.

If you have remaining financial aid funds after paying tuition, it was determined that you qualified for assistance with living expenses while enrolled as a university student. This means that you can use your financial aid funds for text books, housing, transportation, food, school supplies, etc. In this day and age, that includes a computer (and, in most universities, a Mac isn't seen as any more luxurious than a PC from my experiences).

However, depending on the laws of where you live, you are likely obligated to pay taxes on any portion of the financial aid that was not spent on tuition or textbooks, because it is taxable income.
EricNau is offline   1 Reply With Quote
Old Jan 15, 2012, 09:21 PM   #19
*LTD*
Banned
 
Join Date: Feb 2009
Location: Canada
Quote:
Originally Posted by JoeG4 View Post
I'm taking a computer science class right now where you have to have a Mac because we're doing iOS development.
Best to get used to this now. This will only become more common with the passage of time.

Keep in mind that iOS is the dominant mobile platform, and that tablet figures are included. From what we've seen at CES in the segment, very little will change in the near future with respect to tablets. Android is nowhere in this area, and MS' smartphone platform is not only failing, but they have no tablet (worth using) available for retail yet. Given that their strategy is quite .... funny, I wouldn't expect much from them in this area.
*LTD* is offline   -6 Reply With Quote
Old Jan 15, 2012, 09:24 PM   #20
lolwut89
macrumors member
 
Join Date: Jan 2012
It's not wrong because you do need a computer for college. Labs are inconvenient to find and work in and may have computers that don't even work.

That being said, remember that financial aid is through a combination of loans and grants. A lot of people rack up $100,000 in debt because they use financial aid to support a lifestyle and take out as much loans as they can.

So don't get comfortable doing it unless if you want a huge repayment later on
lolwut89 is offline   1 Reply With Quote
Old Jan 15, 2012, 10:14 PM   #21
cantthinkofone
macrumors 65816
 
cantthinkofone's Avatar
 
Join Date: Jul 2004
Location: Missouri, USA
Considering they just give you the money in the form of a check or direct deposit I don't think they really care what you do with it so long as you pay it off. I have used mine for transportation, housing and food while in college. Plust materials I needed for college.

I wouldn't however use it to gamble with or other shady things.
__________________
Dual 1.25 MDD G4 -- 15" MBP C2D 2.8GHz -- http://refer.directv.com/a/clk/58WNdN
cantthinkofone is offline   0 Reply With Quote
Old Jan 15, 2012, 10:41 PM   #22
GKDAIR
Thread Starter
macrumors regular
 
Join Date: Oct 2011
Yeah luckily i go to a junior college so my loans so far have been cheap. Mostly been using grants so I won't pay off much.

But of course going to a university will increase the cost. I never take out more then I need.
GKDAIR is offline   0 Reply With Quote
Old Jan 16, 2012, 06:39 AM   #23
gnasher729
macrumors G5
 
gnasher729's Avatar
 
Join Date: Nov 2005
Quote:
Originally Posted by Menel View Post
Most would be more economically and practically served by a $3-400 wintel.
Right now, $849 gets you a refurbished MBA, the latest model, while $300-$400 finds you in garbage territory. With the MBA, if you have any problems, you can go to the nearest Apple Store and there are people who will actually help you - that needs to be pointing out again and again; if you have any problems you will encounter people who are paid to keep Apple's customers happy, not people who get paid to get rid of you as quick as possible.

Look at it like this: $849 for an MBA. Or $400 for a cheap and nasty laptop plus $449 for cheap booze. The MBA will be considerably better for you.

That said, you can also spend $3,800 on a 17" MBP with a 512 GB SSD drive. If you do that with a student loan, you deserve to be kicked hard.
gnasher729 is offline   1 Reply With Quote
Old Jan 16, 2012, 04:15 PM   #24
Cubytus
macrumors 65816
 
Join Date: Mar 2007
Gnasher729 said it all. The additional money you spend on a Mac compared to a PC will save you countless hours of support, unnecessary reboots, even days of downtime when you will need to send back the PC to its manufacturer for warranty service if you need one, plus the money it typically cost to replace one part.

Granted, it's hard to know, in an academic setting, what downtime "costs"
__________________
Ubuntu and Mac OS X user means sacrilege both to Mac and GNU/Linux communities.
Stop ranting, give feedback: http://www.apple.com/feedback
Online, my trilingual blog
Cubytus is offline   0 Reply With Quote
Old Jan 17, 2012, 09:43 AM   #25
notjustjay
macrumors 603
 
notjustjay's Avatar
 
Join Date: Sep 2003
Location: Canada, eh?
My take:

Is it wrong (morally): no.

Is it wise: depends.

As others have said, if you NEED a Mac, there's no choice. My sister went through a graphic design program in her college where every student was required to buy a Mac and a copy of Adobe CS2 or CS3 or whatever was current at the time.

If you don't need a Mac, then the thought has to cross your mind that if you're applying for financial aid in the first place, can you really afford to spend this much extra on a Mac? Or might that money be better spent elsewhere: tuition, textbooks, bus pass, a car, parking, dorm, food? If you think you can handle it, then go for it. If expenses are truly tight, then the wise thing to do is to get something cheaper.

You also have to think a few years ahead: sure, the loan is interest-free now, but in a few years you'll need to pay it off and interest may begin to accrue. The more you borrow, the longer that will take. How are your job prospects? How's the economic forecast looking?

Without going into my whole rant about taking out loans to buy unnecessary things, I'll just say that I financed the purchase of my first Mac, a 12" PowerBook G4, and that turned out to be a huge mistake because I fell behind on my loan payments in a hurry. So I learned this the hard way, and it's not something I ever want to do again.
__________________
.

Last edited by notjustjay; Jan 17, 2012 at 12:16 PM.
notjustjay is offline   1 Reply With Quote


Reply
MacRumors Forums > Mac Community > Community Discussion > Current Events

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Similar Threads
thread Thread Starter Forum Replies Last Post
Things wrong with iOS 7 site (calendar app) musio iOS 7 31 Sep 24, 2013 03:51 AM
Going about things the wrong way? Smeaton1724 Apple TV and Home Theater 10 Apr 4, 2013 11:35 AM
Tried to change an icon and things went wrong (Finder is in root mode?) abhefo Mac Basics and Help 1 Feb 4, 2013 07:40 PM
Things to do whilst our Macs are being built gaddster iMac 6 Feb 2, 2013 02:51 PM

Forum Jump

All times are GMT -5. The time now is 04:36 AM.

Mac Rumors | Mac | iPhone | iPhone Game Reviews | iPhone Apps

Mobile Version | Fixed | Fluid | Fluid HD
Copyright 2002-2013, MacRumors.com, LLC