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Watch these two deliver real talk on why the student loan game is rigged.

Are student loans the worst or The Worst Ever? Franchesca Ramsey and Benjamin O'Keefe break it down for us.

How do your feelings about your student loans stack up against your feelings about your college experience?

Franchesca Ramsey nails the conflicting feelings so many of us have right at the start of her latest "Decoded" video, "5 Reasons Student Loans are Bulls**t":



All GIFs from MTV News "Decoded"/YouTube.

Yeah, I am glad I learned so much at school (I discovered my love of sociology!), but the journey to earning a college degree came at a huge cost.

In this video with Benjamin O'Keefe of "The O'Keefe Brief," Franchesca and Benjamin break down how the student debt repayment struggle has become all too common.

Here are the five reasons student loans are bulls**t:

1. College in America used to be free.

Did you know that the public college system was created in 1862 so anyone could financially access higher education? Federal land-grant colleges provided education for free — or close to it — for almost 100 years. Since then, tuition has skyrocketed.

IDK about you, but this difference kinda makes me want to cry. I so wish I was born a few decades earlier. *glares at mom and dad.* All screenshots via MTV News "Decoded"/YouTube.

2. Your tuition is probably funding your administrators' luxury cars ... or yacht ... or both.

Time to take a look at what's behind the ever-increasing college price tags. (Just a hunch, but I think increasing administrator salaries while cutting student scholarship moneymight play a role here.)


3. Student loan debt is nearly impossible to shake — even if you declare bankruptcy.

There's this thing where you can claim that having to pay your loans back would cause "undue hardship" and get them cancelled. Except it's basically impossible to get approved. Just ask this woman living on $10,000 a year.


4. Lenders intentionally make student loans complicated so you struggle to pay them back.

They're like the iTunes Terms of Agreement — student loan repayment terms are long, complicated, and clearly not made for users to understand.

5. There are those pesky private universities that treat students like consumers, not scholars.

Schools are increasingly competing to get the best and the brightest. Except now they do it by making some major (and often unnecessary) facility upgrades. The result? Well, the money for that luxury dorm and lazy river has to come from somewhere ... (Hint: your wallet).


I mean, it's nice that the school has a pool and all, but ... chances are that perfecting my backstroke won't pay my bills.

Luckily, not all is lost. Student loans are a hot topic in politics today, and you can urge your government representatives to take action.

Want to hear all the bulls**t? Check out the full video below:

It's rare enough to capture one antler being shed

For those not well versed in moose facts, the shedding of antlers is normally a fairly lengthy process. It happens only once a year after mating season and usually consists of a moose losing one antler at a time.

It’s incredibly rare for a bull moose to lose both at the same time—and even more rare that someone would actually catch it on film.

That’s why shed hunter (yes, that’s a real term) and woodsman Derek Burgoyne calls his footage of the phenomenon a “one-in-a-million” shot.

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Science

Should we wear shoes in the house? Experts weigh in and turns out we should stop immediately.

It's a common practice in the west that may be grosser than we realize.

Experts seem to agree that shoes shouldn't be worn inside

Growing up nearly everyone knew of one house that didn't allow people to wear shoes inside. It didn't matter if you accidentally wore your socks with the hole in them, there were no exceptions–shoes off. For many folks it was just seen as a quirk for that particular family and there wasn't much thought given into why they were adamant about enforcing the rule.

But it turns out that wearing shoes inside is more of a western culture thing than a global one, which makes Americans a minority in keeping outside shoes on while inside the house. It would seem that other countries may have had a bit more of an understanding on why it's a bad idea to wear shoes inside.

Common sense tells us that wearing shoes inside means you'll be sweeping and mopping more often than you'd like. Of course you track in dirt but there are apparently hundreds of bacteria and fungi that you're tracking in that can cause your family to get sick.

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A map of the United States post land-ice melt.


Land ice: We got a lot of it.

Considering the two largest ice sheets on earth — the one on Antarctica and the one on Greenland — extend more than 6 million square miles combined ... yeah, we're talkin' a lot of ice.

But what if it was all just ... gone? Not like gone gone, but melted?

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Photos by Daniela on Unsplash (left) and Rens D on Unsplash (right)

Peeling garlic is notoriously challenging.

If you ever cook with fresh garlic, you know what a challenge it can be to remove the cloves from the skin cleanly, especially if you're starting with a full head.

There are various methods people use to peel garlic, with varying levels of success. Doing it by hand works, but will leave you with garlic-smelling fingertips for the better part of a day. Whacking the head on the counter helps separate the cloves from each other, but doesn't help much with removing the skin.

Some people swear by vigorously shaking the skinned cloves around in a covered bowl or jarred lid, which can be surprisingly effective. Some smash the clove with the flat side of a knife to loosen it and then pull it off. Others utilize a rubber roller to de-skin the cloves.

But none of these methods come close to the satisfaction of watching someone perfectly peeling an entire head of garlic with a pair of tongs.

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Modern Families

‘Hard pill to swallow’: Mom shares why some adult children don’t talk to their parents

"How your kids treat you when they are no longer in need of food and shelter, is a direct reflection of how you made them feel when they needed you to survive."

Parent and child deal with the pain of estrangement.

Even though humans are biologically hard-wired to form strong attachments to our parents, in many cases, these relationships become estranged as the children age. A recent poll found that nearly 1 in 4 adults are estranged from their families.

Six percent are estranged from their mothers and 26% have no contact with their fathers. It’s believed that these days, more children are comfortable distancing themselves from their parents because it’s good for their mental health.

“I think it relates to this new desire to have healthy relationships,” Rin Reczek, a sociology professor at the Ohio State University, said, according to The Hill. “There might be some cultural shifts around people being allowed to choose who is in your family. And that can include not choosing to have the person who raised you be in your family.”

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Pop Culture

Loretta Lynn's granddaughter wows 'American Idol' judges with raw original song

Emmy Russell's original song "Skinny," featuring lyrics about body image and eating disorders, nearly brought everyone to tears.

America Idol/Youtube, Promotional image of Loretta Lynn/Wikipedia

Emmy Russell (left) and her grandmother Loretta Lynn (right)

Emmy Russell, granddaughter of country music icon Loretta Lynn, proved that she was an artist in her own right during a recent episode of “American Idol.”

The 24-year-old singer-songwriter from Nashville auditioned in front of judges Lionel Richie, Katy Perry and Luke Bryan during the show's Feb. 25 episode, during which she opened up about wanting to not live in her grandmother’s shadow.

"She's one of the biggest country music singers of all time, but to me she's just Grandma," she said, adding "I think I am a little timid, and I think it is because I want to own my voice. That's why I want to challenge myself and come out here."

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