hey guys anymore confront flip normals
here in this episode we are going to be
talking about something which isn't
really talked a whole lot about when it
comes to education it the costs of going
to school can be absolutely astronomical
and whenever you're looking at attending
a school university or college they're
all like you know this is the best
school ever
everyone got hired at Pixar DreamWorks
straight out straight us we'll just come
here and that might be true we're not
here to dispute any claims here though
maybe a little maybe a little but mostly
this video here is going to be about the
finances of going to school we are
mostly artists and artists honestly
terrible with finances like I just want
to do art I don't want to actually look
at numbers so we are gonna be looking at
numbers here a quick disclaimer here if
you are already if you're all ring like
your third year of school here and you
know you're gonna have to finish all
your old early finish school and you're
in a lot of debt
you should probably shut this video /
podcast off the country or leave the
country go like clicker rats or
something you mean time but like this
this year might be this here is more
warning so if you old worryin a lot of
that this year could be fairly
depressing yeah so let's let's just get
started with this this is one topics
which I've been raging about overly
years now
just when whenever you're teaching
teaching a class and you're in the third
year and you know that nearly all the
students there they're first off they
aren't good enough because the schools
might suck but also there might be in 50
thousand 50 or 60 70 80 thousand pounds
of debt and you just know there is no
way for them to repay it yeah because
their their skill set isn't gonna be up
to par maybe they're going to be able to
get like a grocery store job or like
something something not relevant to the
job afterwards and you know that they
have a debt burden which is absolutely
insane on their back I mean we saw that
from from our school even not that you
know the school that we went to is
relatively low in terms of tuitions the
animation workshop but yeah it's like
you but they're there
to people there that absolutely
graduated that just didn't get a job
yeah and you know that's been as many
years ago now and now they've moved on
to something else
and if you attend the University or
school where the tuition fee is
astronomical then not being able to pay
that office is actually a reality it
really is like yeah when we attended
yeah the cost areas around like three
thousand pounds a year or so that's
that's fairly manageable in Missouri
cheap cereal living
so mad plug for the animation workshop
we might actually be there by the time
you're recording it and teaching so so
if you if you have some allowed you
might have maybe you have around 2020
thousand pounds or so in dead afterwards
that's pretty common from a lot of
people there that is something you can't
pay off yeah what we are going to be
talking about here is not we're not
going to be warning you against ten
twenty thousand pounds of debt or
dollars we are warning against having
fifty to two hundred three hundred
thousand dollars yet it is incredibly
easy to fall into a trap where you are
now in that literally for life yeah
might not like if you if you look at
tuition fees for schools and you see a
fee of $100,000 this is like little
disclaimer you're not gonna be paying a
hundred thousand dollars back you know
like that's that's what we're gonna go
through this yeah yeah so we one thing
also disclaimer here that the schools
we're gonna be talking about now we are
not talking about their academic quality
here like no no no this is purely okay
this school might be the best in the
world who cares if you will be in debt
for life yeah so um this is purely
looking at the finances and we picked
out some of the top schools that we
could find here in the UK and you know
wherever you can take stuff in the UK
and in the US as well yeah so that's a
period of what we're basing this awful
so some of the ones we are gonna be
talking about the most like private
schools in the u.s. which will be
Ringling des normal workshop SCAD Cal
arts and then in Canada Vancouver Film
School but this this this is just a
selection of the schools yeah yeah this
is true for if it's a private school
it's gonna be expenses how and if it's a
public university in the UK it's gonna
be the same price for all of them yeah
it would worldwide this is a big problem
so let's just get started here with look
so we first wrote an article here this
was written several years ago and we
have a specific video where we basically
covered this this article here where we
cover like should it go to school it's
expensive as here are some good schools
the cost of various schools here we are
purely gonna be covering the finance
side of here like your own effort cool
you got to work hard
we don't care in this video you can find
this on of the flip normal comm link in
the description and then we we can just
look at the first half we have open here
so if you're listening to this we and we
have a student loan calculator here this
here is this stuff nobody cares but if
you're like ah student loan calculator
that sounds boring as hell no seriously
just just just stay stay with us for
that right this is where this is this is
where really where the big banks makes
your money
i I used to like I don't have a
background in finance as to whatsoever
so I didn't really look too deep into
into what student or what interest rate
really was here so I I naively assumed
that if let's say you have a hundred
thousand of whatever currency as a
Salone and then you have ten percent
interest rate then you pay back a ten
percent value pay back ten thousand of
that yeah you don't yearly that's yearly
so it's the first year you you're paying
back ten thousand so now you have a now
you have ninety thousand left you paying
ten thousand ninety nine or nine
thousand yeah you pay and then you have
eight thousand and you pay ten percent
that and seven thousand and this the
cost here is astronomical
yes so in this example here now we now
in put a hundred and sixty thousand
dollars this here is it sounds like an
insane sum and if you are attending most
schools in Europe you're not gonna see
this number so this is us numbers right
now yeah these are us numbers so and
that's let's set the the the remaining
term claim to 25 years those are fairly
yeah
fairly common as you can see right now
from the remaining term we have ten
years and an interest rate of 6.8% it
gives you a monthly repayment of $1,800
yeah most people are probably not going
to be able to afford that as no pain
and what you can do you can spread it
over 25 years instead and obviously that
gets a lot so this means if you now have
160,000 dollars in student loans and you
pay over 25 years interest rate of 6.8
you are now paying eleven eleven hundred
two dollars a month 1,100 yeah this is
this we don't really care so much about
what you're paying back what we care
here is the total yeah so the total loan
here will cost you three hundred and
thirty three thousand dollars you burn
hundred sixty thousand dollars yeah
you're paying back three over three
hundred and thirty thousand dollars here
the total interest you're paying here is
one hundred and seventy thousand dollars
that's more than your actual loan yeah
you paid you paid more back in interest
that's insane yeah so your loan here
doesn't you you aren't paying like ten
percent this is obviously once you know
interest rate this becomes clear this
becomes obvious if you if you have six
percent interest rate you're not paying
six percent out of hundred sixty
thousand you're paying that every single
year so but I just think that a lot of
people in this field they genuinely
don't know you didn't don't know this
not because they're not because they're
didn't not touch with society or
anything it's just because we don't
really talk about it was we're never
really taught it you know maybe we'll
have some math stuff in school but I
mean how often do you really talk about
here your your interest rates from your
student loans and yeah and select enough
Napoleon Wars and like I know like the
power house with a cell mullet be not
really taught important stuff like this
and this here is really important this
means that you're not with with a salary
from games or we effects this means that
you are literally never paying this loan
back yeah you are not gonna be able to
pay off three hundred thousand dollars
of that in your lifetime most likely
yeah most like that's I mean that's just
pretty depressing that is pretty
depressing that is just a fact or rather
you can choose between owning a home or
paying this back this is one of the
reasons why our generation has been so
the millennial generation that's been so
thoroughly screwed up I thought those
because
mmm not a cup of cheese toast yeah
that's it yeah that's what we're in a
lot of debt because we need a lot of
avocado toast that's yes so one of the
reasons is a lot of if you were to look
at that tuition fee increases over the
last 3040 years people who graduated
people went to school was 60 70s and 80s
the basic didn't pay for school yeah and
now you might pay $40,000 to school here
in the UK it went from basically free to
paying a thousand pounds to pay 3000
pounds to pay nine thousand pounds a
year a year yeah over a very short
period of time which it means now you
have a bunch of people who they might be
in the 40s or 50s now who they're their
student loan was that that was how much
it cost to live yeah and living Kosovo's
increase dramatically so they they can
just afford but they can their financial
situation right now in the for is a 50
is completely different than somebody
who starts off with maybe 50,000 60,000
pounds in debt yeah and that's like
conservative it's a very different world
now compared to then in terms of how
much money you have available
it's insane so what under this is this
is more like a bit little bit further in
life where you you if you want to buy a
house with like home ownership is
something to read a lot of people really
want now it means if you do go into this
much loan into this much debt you are
just gonna be able to do that so it's
insane here so now if you um you can you
set the remaining balance of ten years
now so now this is like oh cool now now
you you paying less now you can see one
from three hundred thirty thousand
dollars two hundred twenty thousand
dollars now you're only paying back
sixty thousand extra what you're paying
now this every single month you're not
paying back almost two thousand dollars
I like this breakdown the principle
payment is your one hundred and sixty
thousand dollars that makes up seventy
two percent of your payment so almost
30% of your repayment is interests
percent is absolutely insane here so
this boring little calculator which he
talks about boring things like interest
rates and term
you know that might be the most
important thing you know in your life
yeah the thing is the big banks and the
schools and everyone on the other arm
and they have a direct interest in
keeping this stuff boring yeah because
if you think it's boring
you don't read it not gonna read it so
we can we can move onto onto more stuff
now because now I think we I think we
got a bit yeah
yeah we nail that interest getting a
loan super expensive so here here's one
um this is Pierce in college
this is used to be escaped studios the
escape studios was a school and I'm not
sure if they merged what they bought her
up but um but basically this here is
some escape is it's a school which which
offers shorter courses so instead of
like fooling your courses they now have
like this is what what is this how long
this is 18 weeks yeah they also have a
course which is I believe 12 weeks or so
which is a little cheaper which is a
little cheaper so emphasis on a little
here so check out the price here this is
15,000 pounds for 18 weeks so I'm not
doing conversion live let's pretend it's
around 12 of 20,000 maybe 18 let's say
80 bucks 18 $19,000 last time we did
that that went horribly yeah we have we
got so much in common schools we just
screwed her up like crazy let's actually
do it here let's see here okay nineteen
thousand so we were pretty pretty close
to bed so so this here is now for an
18-week course this is like 15,000
15,000 pounds or basically twenty
thousand dollars yeah so we know we
weren't really going to talk about the
quality of the courses here and now I
don't have intimate knowledge with this
discourse or and there are bunch of
people working in in London if X went
through these courses here yeah but you
don't want to be this much in debt over
an 18-week course yeah and something
that we also just talked about is that
we know people that have gone through
scape studios and have started as
runners yeah like if you go through a
18-week course you pay 15 grand for you
shouldn't be starting as a runner know
like this is like
you're paying this much money for a
short period of time to sort of speed up
the process yeah instead of going to to
a college or university
yeah like starting as a runner is almost
like theft yeah it's like then why did
you go to school and you could have just
gone that so now I'm sure you learn a
lot during but there is also a limited
amount of stuff you can learn in like 18
weeks yeah like that that's nothing
that's like that's like a few months
that's that's it's ridiculously short
yeah there is an intensive course ER but
it's like it's like an if you have an
intensive fitness course as well go from
like from like super chubby to
bodybuilder in like 18 weeks is
impossible your body has a max capacity
for how much you can learn so like I
would assume something like this would
be really good for someone who already
has like a good a good knowledge or
something of it and then this would be
like to really improve it ready for a
job or something but it's funny here cuz
here if you look at entry requirements
they need to have on the right here it
says you need to be over 18 have a good
understanding of written this book in
English and feel comfortable using your
computer so this is probably not the
requirement no exactly right I would
assume that yeah if you if you have a
course where you have some some people
who might they might be great designers
or yeah one other thing just need to
learn technical 3d that might be doable
but in order to go from from from
basically a beginner to getting a job
you're not just talking about learning
to software you're talking about
learning fundamentals yeah you need to
have a fundamental understanding of
color theory of design of of just what
areas you're trying to do you're not
gonna be able to learn that in a course
like this probably not like it's just
like your brain yeah there's your brain
can't limited capacity yeah it's crazy
so we can move on to the next one this
here is an interesting one how much does
it cost a study in the UK so London is
very expensive to live in I believe
they're talking about here that what is
in London it's cost like twelve thousand
pounds to live I'm sorry to 1200 pounds
a month to live alone yeah so you
probably like your living cost could
probably vary between I would say
thousand to twelve hundred maybe yeah
depending on also how willing you are to
live with other people yeah how many you
live with and how much oatmeal you eat
yeah probably so if you live with other
people in London and like not talking
about of like if like what a flat but
like sharing rooms here and you eat
oatmeal every single day maybe you can
get around to like a thousand pounds in
one well we have a friend that lives
with four other people they don't share
a room they share an apartment yeah so
and he pays six hundred pounds a month
yeah and then with travel expenses let's
say not going to go for anything but
like just regular travel expenses so you
probably landed around nine hundred to a
thousand yeah that's fair yeah so you
can probably do that if you if you want
to live would share rooms with people
you can get cheaper yeah yeah yeah then
you can probably go down to like seven
is three four hundred pounds but a lot
of student accommodation will get your
own room there on eight hundred pounds
seven eight hundred pounds because
they're also right in the center yeah
exactly so if you if you do attend a
general like a general one of these
accommodations you're kind of shitty
like I used to live in the world center
in a frame store yeah they're they're
not they were okay but they're not
they're not great and they're on 700 to
800 pounds so I'm let's say let's say
you year you were paying what is that
like a good like let's say
conservatively it's a ten thousand
pounds a year to live in London and now
you have tuition fee which is nine
thousand nine thousand two hundred
you're talking twenty thousand pounds a
year yeah which it goes into which
you're gonna be that much in debt yeah
and then if you have a job next to it to
to help to pay with us to reduce to
reduce your cost now you're just getting
kind of a shitty education because now
you're spending all your time working
instead of instead of spending all your
time improving your art yeah mmm and
realistically most people are probably
gonna have like a spare time job next to
it just to try to pay some of the stuff
off yeah so it's a tricky one right
because you having a spare time job
might be necessary from financial point
of view but you also really just want to
spend all your time on studies yeah so
we're gonna be linking in this article
as well definitely worth having to read
through this disco that goes through
fairly in a fairly good way how much how
much stuff costs so I'm this here is
also before we move on to that one I
let's just talk about
UK schools first so we know that if you
go to the UK and you are a UK citizens
first of all the loans are wiped off
after 30 years so what a lot of people
do they just pay off the bare minimum
and they just consider it of tax maybe
they pay a few hundred pounds a month on
that
so in the UK it's a bit different but
regardless of what system it is they
have here you still have to pay back a
lot of money yeah and if you're not a UK
citizen you come over here as an
international student that that rule
doesn't apply to you then you are being
hit with like if you let's say you take
a four year degree year 2020 k year
that's a TK yeah eighty thousand pounds
what is that like a hundred thousand
dollars or so yeah not doing math but I
put around that probably the one not all
part so you key schools in nine thousand
two hundred pounds a year currently
probably gonna increase because that's
what to do yeah so it's crazy
in and this is where we said we're going
to talk too much about equality but UK
schools are not great you have some like
Bournemouth you have some were hard for
chair there which are pretty ok yeah but
in terms of in terms of would you want
to be a TK debt and after that I mean
it's I mean so okay let's real talk here
every single city that I have talked to
there are exceptions of course that come
out of the schools in the UK either
don't get a job or start as a runner and
I think we've talked about this before
but this pisses me off like you
you take a three year degree or for you
degree however long it is here to start
as a runner yeah you start as someone
who has as little skill as no one like
it's like use someone who didn't go to
university for three or four years
Kim Stardust runner yeah someone who
goes to university should never start as
a runner no I think that's insane that's
just way it is here now in the UK and
I'm not least before like let's say 10
years ago being as a runner that was
kind of you start you know you get into
company could use to that and now you
start at maybe as a modeler problem is
these jobs they don't really exist
anymore
yeah because they've been outsourced to
India and China now so if you do very
entry level jobs like prop modelling
which was a great way to get started
with
fairly simple stuff you can kind of go
gradually up here a lot of these jobs
they're gone
hmm you're not coming back and no sulfur
is getting smarter and smarter yeah it
is you can have you can do better things
you can do you can do bigger and better
things with fewer and fewer people yeah
so it's like yeah like Morton saying
here like very few people I've seen from
school from school here get jobs right
away I'm seen I've seen like a hand few
people will get straight into it but but
these are exceptional people yeah
exactly they would have they would have
done it without to school yeah exactly
so it's it's heartbreaking to see it
that's also one reason we're making the
video so that we're not telling you not
to go to school now we're telling you to
seriously consider the costs before them
like if you can afford it yeah go to
school it's awesome like yeah for sure
this is not like this is not like our
school then we do a video in school yeah
we did like trying to scare people off
and like the realities would go into
school and all that stuff it's more like
these are the financial truths about
going to school and you have to consider
this before you're indebted for life
yeah it's crazy particularly like in the
states where you can start drinking at
age 21 and because you're not
responsible enough but you can take out
a $300,000 or loan at age 18 17 or 18
Saigo know you might kill for your brain
cells yeah I'd be miserable for the rest
of your life because you can't afford
it's ridiculous I know you're like you
might be my graduate when you're 21 22
mmm with this burden over you and so
this is also worried when you're in
school you you don't necessarily think
about it then you're like you know it's
a problem for future me yeah a future
hand will glue this and you're just
partying and everything is fine and then
you finish school and you haven't got a
job yet it's happened a lot of people
now and now suddenly you start getting
checks or invoices for for student loans
and you got a it's a thousand pounds
maybe a thousand pounds a month and
you're like yeah but I can't pay that
and they're like well you should have
thought about that before you got into
you before we got into and turned into
debt this is one thing which people
don't really talk about that the schools
will literally lie to you to get your
money yeah and they make it really
tricky to figure out like
a lot of schools make it really tricky
to figure out how much you actually pay
it's like what you'll be looking at this
later on excellent what are the costs
and you know they do tricky stuff to
hide it mmm they're super so looking
this one this is a ring link and in the
US this is apparently a fantastic school
they're also great marketing so maybe
that's why I think it's a fantastic
school but they they generally have some
really good projects coming out of them
yeah but if you if you look at this
breakdown here so first this is a PDF we
had to find by looking group by like
going through your website it's not like
it's not written anywhere they're not
it's hard to find how much tuition fee
is usually you Google like Ringling
tuition fee and it gets some obscure
thing here so the pure tuition fee here
is almost forty one thousand dollars
forty thousand nine hundred dollars for
a first year student hmm maybe this is
different for for a second as well so
and then you have room and board so for
living expenses then you have some you
have some like fees Student Activity
Health Services I was like oh that's
nice health insurance you think your
health insurance is a thousand dollars
here are fine arts major degree or made
your feet you got to pay more fees here
so in total here this is basically sixty
thousand dollars fifty nine thousand
dollars per year this is why it's tricky
right here so here's a one PDF telling
you for first-year students what would
its gonna be like yeah it's and this
girl's an increase while you're in
school well they could increase they
could increase it while you're in
there's an extra you're paying more this
is crazy and this is so this is sixty
thousand per year I believe this is a
four year degree
hmm what is that two hundred forty
thousand dollars that is I don't know
that's sure if I screwed up just just
yell it's probably around two hundred
forty yeah so that that's crazy you're
not you're not paying that back
repayment over let's say realistic 25
years right yeah an interest rate might
vary as well like that that goes up and
down that's a total payment of four
hundred and ninety nine thousand
so like that's half a mil so now you you
took a four-year degree when you were
from 17 to age 21 and you've got to pay
back $500,000 yeah that's a lot that's a
lot and also this is this is for art you
have a you have like Medical School
where it might be you might be paying
like way more than this as well I've no
idea what the tuition for those it's
insane then you might might be six seven
year degree yeah look at even that over
a 25 year period you're still paying
$1600 a month yeah it is absolutely
insane let's say for the fridges for fun
that the interest rate goes up to 10% so
much fun paying six hundred and fifty
four thousand dollars yeah so like if
there is if there is some if they decide
to change the interest rate they might
go to ten percent it's been to ten
percent has been to almost 20 percent
for late 80s this this is all dependent
on the economy you know whatever happens
to the economy will affect your your
interest rate yeah exactly you know if
it goes bad my god yeah if if if times
so if times are really good the the
government don't want you to borrow more
because then you just then you just have
an economy of debt yeah if the economy
is really which it was like which
has been like after 2008 the interest
rate goes down quite a lot because now
they want people to borrow money they
want to stimulate the economy here so if
the economy is going pretty well which
in at least in the states is to going
doing quite well right now they might
they might just increase the interest
rate so that nobody's gonna borrow money
yeah because it's so expensive and if
that happens and you get an interest are
of 10-15 percent I had you put in
fifteen percent IRR just for for fun so
if you have a loan of two and a forty
thousand paying over twenty five years
interest series of 15 percent but
thousand million dollars obviously this
is with a constant fifteen percent yes
right and all your loan so yes a little
lower but like I had a my grandparents
when they bought their house for example
going off as student loans a little bit
they had a variable interest rate on
their mortgage hmm so which meant that
you know could fluctuate no and the
average fluctuation was like a couple
percent up and down
and so I think the average was like 2%
maybe they were putting 2% one year I
think this was like in the 80s or mid
80s it went to 18 no 25 percent for the
year it's like insane now just because I
don't know I don't know what happened in
that little teeny economy that
completely crashed late eighties yeah so
maybe that was why yeah yes the economy
the economy crashed are crazy and they
were like we need people to stop
borrowing money yeah how do you make me
not take out a loan you punish me like
crazy if I take out a loan and this is
where like if you have a fixed mortgage
like a fixed interest rate on your
mortgage you'd be fine but because they
had a variable one they got absolutely
screwed yeah there were people then who
they they fixed their mortgage
I'll write about this they fix your
mortgage to 70% because they thought it
was gonna go higher yeah and I mean if
you're talking about you you it's it's
insurmountable you're not paying us back
this is why learning but economy and all
this kind of stuff it sounds boring but
it's so important man the flippin almost
podcast or whatever this is just turn
into an economic yeah a red but it's
like it's like a it's like a bad one
because we're not experts you don't know
too much about it but we know enough
yeah we know we know enough and it's
important that you know this as well
these are just important that you plug
this stuff into it yeah so that when
that was Ringling gnomon they are a bit
sneaky now no one they produce fantastic
work yet has six toons undisputed
undisputed at least at least the top
students that's what we see right I
would love to see some of the nuts of
great students yeah cuz I'm sure they
also have that but but this here is so
this is the 12 turb course we're looking
at here which things are entertainment
assignment production which I would love
to attend I'm sure it's a fantastic
course but yeah first one to four terms
it's only a four and a half thousand
dollars so that's nine thousand per year
everything after that every term after
that ah yes that's so that we have
school years two terms so that means
every single year after that is
is um I think that's a four-year degree
so uh that's $20,000 a year yeah that's
20 so the four first two years then then
you're paying ten thousand basically in
the nine thousand dollars a year and
then after that for the remaining years
then you're paying then you're paying a
lot more yeah Jesus that's crazy that is
pretty crazy actually so yeah this is
like issue the the title of this episode
should be something like what schools
don't want you to know doctors never
tell you this might not be specific to
nomen but now we're just trashing on
them point it out here increases in
tuition tuition fee happen at least once
annually and the tuition fee increases
so not exceed 5% yeah so you can
probably guess that it's probably going
to be up to 5% yeah they have the right
to increase it so in at least
so if wins anyway yeah so if they have a
right to increase it why wouldn't they
yeah so this is this is one of the
things which not to on no man no
it's just on that effect this is just on
their side we just straight up reading
up what's there not yeah so this is this
is insane how much certain schools have
I believe Harvard University has around
30 billion dollars in in the bank in a
little war chest a new war chest that's
that billion that's not million Yale is
well I think is around 20 billion
yeah same with schools here in the UK as
well like the biggest one like Cambridge
and Oxford you're talking billions of
dollars in in invested funds yeah they
are essentially not talking about no
money here but like a lot of the bigger
universities they're essentially
investment banks with no education or
branch yeah it's absolutely ridiculous
you can check out those numbers as well
there are around there around 30 billion
for for Howard it's absolutely insane
here so we realize that schools there
are business and now we're not saying
that that it's bad to charge obviously
they can charge whatever they want
we're selling tutorials on our site we
can charge whatever we want to it's more
that and they're not even it's not even
their own it's camps or anything they're
just expensive services and you if
they're charging like
40,000 dollars for four per year and you
can you go and accept that that's on you
yeah yeah we pointed out this is not to
on any of the schools and the
quality of students and the quality of
the work that comes out of the school
now this is purely to inform you it's
expensive yeah they're like we can teach
VFX and make monsters all day and make a
lot of money that's awesome
that's a great business opportunity here
it's up to you to to figure out if it's
worth it for you yeah we also have scat
here this is apparently also one of the
really good schools here but also again
check out the tuition figures forty
thousand dollars basically it's thirty
seven thousand dollars and that's that's
in pure tuition fee now you have to it's
in Savannah and it's in Savannah which I
believe is in Georgia which is probably
a lot cheaper to live than something
like San Francisco hmm but it's still
expensive yeah forty thousand dollars a
year it's almost you become blind to it
it's almost like like now that now that
we looked at this was a $40,000 it's
almost like again looking at looking at
the schools in the UK that's suddenly
cheap now let's go back to our little
calculator one hundred twenty thousand
over 25 years six point eight percent
interest rate total payment of two
hundred and forty-nine thousand dollars
you're not paying that back I mean you
can even over ten years lets you we just
do over ten years all right then it's
only one hundred and sixty-five thousand
dollars you pay thirteen hundred a month
yeah you really got to take this into
consideration yeah and then we have what
is the Cal arts yeah hello sue Keller
it's has a bit of a legendary reputation
here because this is this is where the
guys at Pixar used to go to and I'm sure
it's a fantastic school here again it's
the same process you're the ones I think
what is this star on forty thousand
forty five thousand dollars a year
yeah and again they're also bit sneaky
here on the overview page and this is
even on the financial part we've already
gone into financials here now it's like
I feel like they're not they're not
spitting it out and then we came across
the international students yeah where we
can find an estimated payment worship
with this which is a PDF
is actually not a PDF it's a Google
spreadsheet this excel sheet yeah so
it's like they try I feel like at least
Calais they try to hide a little bit
yeah yeah I feel all of them did a lot
of these I have to Google yesterday I've
had to Google like normal workshop
tuition fee yeah and then you find it
there because navigating your site it's
tricky and I don't think that's because
they're bad at this sign or UX it looks
fantastic yeah exactly yeah if you were
to like Dukey music go to the main page
here and you see okay from here how much
does it cost maybe on our admissions
like it's it's not straightforward
anywhere financial aid scholarships
financial yeah like price calculator
what is going on yeah this is just how
much financial aid you can get this is
not see this is why it's tricky hmm it
but but already before you get to this
page here you've already been looking
through their success stories how all
our students they go to Blizzard and and
all these and which is true I mean a lot
of the students from these schools
they're amazing and some of the teachers
are absolutely fantastic as well like I
mean JJ so he's pretty good so they're
the students attending these schools are
fantastic
yes the the teachers are awesome the
locations are awesome you can learn so
much I'm sure at least once we looked at
now there are there are probably some
Marina shitty ones which are also which
are also the same price but as far as I
know these schools we looked at now are
really good schools in California yeah I
think they're in San Francisco so so
that's also you know you got effect in
San Francisco is one of the most
expensive places on the planet that is
you know because you got I think that's
because of like so many developers live
there in the develop Silicon Valley
yeah the developer salaries so high
housing prices can just keep going up
yeah exactly but if you look at the
student work here it's awesome yeah
so they have a lot of really really
awesome stuff here to go to but up here
you can see obviously if you listen to
this you can't see it but it's awesome
it's this this is this is
production-ready stuff yeah so clearly
these schools are I would I wouldn't
necessarily say the giving you your
money's worth because if you are in debt
for life that's I can't that's suddenly
a bit tricky buddy yeah so awesome art
but to keep that in mind then we also
have the Cure film school the cool film
school is awesome
like they have so many we work with a
bunch of people came from a crew film
school awesome stuff
great student work but again like the
other schools here it's all the money
it's $40,000 a year to attend and these
guys are great in marketing a lot of
people have heard about McCool film
school yeah and not on the
quality just their price is high no
exactly right it's it's tricky maybe you
can request the info yeah yeah I don't
know it's like it's definitely something
you have to consider because it is
something that's gonna affect you for
the rest of your life if you take up a
student loan like like we said if you
can somehow afford it you have the money
yeah your parents can help with the
payment and stuff and it's not a problem
then schools are fantastic out there
especially if you find a good school
that has a really really good program
yeah then it can be super life-changing
absolutely and we also we also have a
lot of resources on our youtube channel
as well if you don't want to go to
school but you have we have one called
how to become self of a self-taught
artist which which we cover a lot of
things like how can you how can you get
a good education without going to school
because that's been a problem as well
bad we've been talking about this okay
so you shouldn't go to school then what
do I do and there are people who they
just they just need some framework
around them you know they need to do
these things here and I'll be fine and
that's something that the school is
providing you but I mean $250,000 maybe
$300,000 maybe you pay back five hundred
thousand dollars yeah I would say that
is never ever ever worth it unless you
can pay back like then but then
we're not talking to you know if you
this is probably for the average person
yeah
it I worry I don't even think that's
controversial I think it's never worth
five hundred thousand dollars of student
loans the salaries in this field once
you get up to like something like a
senior level in games re effects or
whatever it might be it is fairly well
paid but it's not well paid will you pay
back five hundred thousand dollars now
as extra income it's unfortunately yeah
firstly I would be awesome that women so
in really I'm just just some some this
entire thing up here
do your research figure out figure out
how much how much is coolest how much it
costs do go through a calculator a
student loan calculator yeah and then
once you're in school as well just go
crazy on it does he learn as much as you
possibly can so we hope this your ham
here if you're watching now if you
watching now a new instant loan we hope
you haven't like jumped off a bridge or
something and and if you aren't in
school and you want to go and get get
into school we hope this has actually
been useful yeah made you think a little
bit yeah I think that's the most
important part here is that if you are
young and you're this is something
you're considering think about how this
will also affect you in the future
yeah for sure so cool if you want to
learn more about schools let us know as
well if you have any ideas for specific
topics here yeah just just write in the
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