7:50. The loan fund is about university. Everything before that is free/tax funded. And so is university actually, the loan is for being able to live while studying. (Housing, food, entertainment, study supplies etc), no dependence on family needed. Well, at least in Sweden, I'm 95% sure it's the same in norway.
17:20 No, because you need a certain degree of trust between humans. The State of Norway is not generous, but has done a number of smart things to ensure that most Norwegians have good opportunities to stay healthy and to get educated. The biggest winner in this is the state itself.
@@oh515 Exactly, and I don't think Norwegians are more generous than others, but we have built smart systems that benefit the state, and as you say thereby us who live in Norway.
@@griegs2001 We are, though. The "Dugnadsånd" and volunteerism is second to none in the world - or was, last time I checked. When I checked that in USA too, the most "generous" state was Minnesota. Basically the "Norwegian" state... but even then it was 10 times less per capita. By "volunteerism", donations to such organisations are counted and I think work hours as well (for free). I'm not saying the rest of your comment is wrong, just bringing context to the first part of it; you said "I don't think Norwegians are more generous than others"
Student loans in Norway are there for living expenses. Uni and similar public higher education is close to free (you pay a small registration fee and obviously have to pay for your own books and such), only private run schools take tuition. But obviously you will still need a place to live and food to eat, so the student loans are there to help pay for that. Some of the loan is turned into a stipend if you pass your courses (up to 40% of the loan). And the loan comes with protections for things like unemployment and such. Also, they acrue no interest while you are still an active student. A pretty good deal.
@@Eivindbeivind I can't think of any instance here where you would inherit a debt. I mean apart from debt having to get settled from an estate before you can collect, but even then I cannot imagine anyone being forced to take on a negative inheritance.
@@mkitten13 I don`t know if you can be forced to inherit debt. But if you inherit an aset that has been used as leverage for a loan, if you sign on for that inheritance I belive you also inherit the debt. Not certian if anybody can force you to inherith thugh. That being said I do not know if anybody is actualy obliged to inform you beforhand that an aset has been used as leverage for a loan. In any case with student debt in Norway that is just instantly stricken, should you die. The loan on any for of relastate, car or other aset will not. And yes In such cases it is posible to inherit negative debt. Espesialy that is the case with cars they can easiily depriciate in value faster than the downpayment on a loan.
Its not that parents isnt involved with their children here in Scandinavia. I think the whole point was that in America you have to pay for everything…education, hospital/doctor visit etc. Thats what he meant by not being independent. These things are «free» here in Scandinavia and probably in a lot of other European countries too.
Most important is that the goverment has to be elekted by the pepole for the pepole. As Erik Bye said: the goverment is there to serve pepole. When te goverment stops to see this as their job, it’s time to change them.
School is free in Norway. As you say it is in Scotland. But in Norway, University is free too. The only thing you need money for is food and accommodation at the university, but again there the government will give you a very cheap loan for that. Of course, Norway is way better than the USA or the UK. The whole point of living in a society is that we take care of each other and that each one contributes according to ability. The attitude in the USA is apparently to rip off the system as much as you can.
We have the same in Sweden, University is free but you have to have money for rent, food and other things and then you get a loan from the goverment and Athen also give you a smäller amount money for free.
I am norwegian and I am proud of my country and pay my taxes with gratitude. The system is really good. Sadly I see that it's not so functional and fair as it used to be. People find new ways to take advantage of it, and the system finds new ways to stop them. That makes people in real need to not get the help they need.
the solution - what would you rather, that none of those who do not need help find a way to acces it OR that everyone of those who needs help, gets the help... You can not have both... Because, when you try to deny the leachers (those who do not need help but gets it anyways) you will always have someone who needs the help fall through those cracks...
The Norwegian Education Fund offers standardized loans and grants that anyone can apply for when they meet the criteria. The advantage of these loans is that they are interest-free while you are a student. The interests start to run the day after you have completed your studies, but there is a payment-free period of 7 months before the requirements start to arrive. If you fall ill while studying, you can apply to convert the loan into a grant, and if you become disabled later in life, you can apply to have parts of the loan cancelled. It is a very good deal for the student.
Love this video - truly speaking for Scandinavia, said this Dane =D In Denmark when you are 18 - you are allowed a stipend for studying, and you need to apply for the stipend - my guess is that the Norwegian Fund is like this. So beside free uni, you also get a grant of about 750£ each month - on top of that you can also ask for a loan of about half this amount, which have low interest, but is still a loan and needs to be paid back...
The positive thing about free education is that everyone can afford it, not just the people with money. Which means most people get a chance at a good education, and the parents dont have to spend all their money on schools. Student loans help people spend more time on studies and less time having to work. The interest is also very low. You can also postpone paying for 36 months in the middle of the paying period, choosing whatever month you need it.
7:20 Public university is free in Norway. If admitted you are eligable to apply for a student loan to cover living expenses. The annual student loan for a full time student today is 152 000 Norwegian kroner, or about €14,000. All students that want to are eligable for the student loan. If you pass all your classes as a full time student 40% of your loans are converted into a free scholarship. The other 60% you pay back. You don't accumulate interest on the student loans until after you finish your degree, and the interest rates are generally quite low. Most people pay it back for 20 years. I had about €55,000 in student loans after graduating, and pay around €300 a month now.
6:17 - Norwegian here. I think it really matters how you´re brought up. And it will differ just as much whether your education is paid for by your parents or the government. However - the US system I think makes a huge difference between public and private schools. In Norway, almost nobody talks about if you went to a private school or a public school, because most schools are public anyway. One thing I wish we had though, was school uniforms like the UK, because fashion shaming is a very big thing. Maybe just because I haven´t tried it - maybe kids will just always find something to heurass another kid about. About independence from your parents, I think we´re all built very differently, so we even percieve the same treatment in different ways. I´ve got two brothers, and we have taken quite different paths even though I reckon our parents are as just as they come. And very supportive of anything we paid interest to. We´re also pretty different about how much we´ve "depended" on our parents throughout.
Appreciated the commentary. There is a degree to which most of these things make sense and allow for freedoms. I don't know if parental connection quite counts in that regard, it varies a lot even within the States, and there can be a lot of isolation for people who don't feel like they can connect to their elders, who in good relationships will have your back even when others have less of an incentive to help you (even a well run state isn't perfect). Marrying with an idea about some degree of financial security makes basic sense, though there are plenty of people who just try to make it work with what they can manage, it's sort of Very Online to think everyone is trying to marry up, though I guess it's a factor for many people. As far as employee protections, I think the employer power is concentrated early in the relationship, since hiring can be more discerning to put it neutrally, and there is an early window when you can fire someone with less formality than after that probationary period is over. But it's a good point as far as health care very often being tied to workplaces, as well as other situations that can leave one feeling a bit powerless. I think it's a truism that there's too much resistance to services, I think the gov is more beholden to people that it first seems and tend to believe that increasing services nowadays is sort of political self destruction. It would take cultural adjustments, not just policy changes, and if possible might take time that would outpace the relatively rapid election cycles. It's important also to not relative population size; I wonder if the bigger a population gets the harder it gets to manage these sorts of services. Healthcare is also subject to supply of medical professionals and institutes to manage and distribute care, there are a lot of adjustments that would be need to be done in that arena
It’s the same here in Norway we have free 13-14 years of school and then you can also go to a free university after that but if you wish you can go to a private university and then you get a good loan that is no stress
I think stay at home moms are great.But I think it's crazy that so many women in the world still can't choose for themselves.Here in Norway you are respected as a female no matter what you look like, if you are single, or married. You can support yourself, and live the life you want without the pressure of having children or looking a certain way.
I have lived in Norway most of my life. No services are government funded, they are tax funded. I used to pay 40% of my income in tax. One long term problem with the welfare state is that there is a lower incentive to have children because the government will take care of you. If you eventually reduce the number of people in "working age" compared to the number of people in "dependence age," pure mathematics says that you either need to increase the taxes for the working age people or increase the age span of the working age so that more people are paying taxes. I think we will see the age of retirement increase in many western countries the coming years.
I agree with you about the taxes. I really dislike when people talk about anything being "state/government funded". There is no such thing! It is tax funded! The state doesn't have money, they have a mandate to spend a portion of the population's money. Regarding the incentives to have children, I'm not so sure welfare has much influence. The fact that child mortality dropped from about 50% to less than 1% and that women have entered the work force (and children have left the workforce, making it much more costly to raise a child) seems likely to be the main factors resulting in the lower fertility rate we see in many modern countries. In fact, I am fairly certain that we see the opposite of what you are describing. High-income families that are not reliant on welfare have fewer children than low-income households.
7:30 - Uni is exactly where this fund is important. We have free education for all up until then as well. But in Uni, the education fund gives you support, partly conditional where you have to pass exams, partly unconditional, partly as a very cheap loan that can in theory go on forever, and nobody inherits this debt from you. And there are other benefits, like an extra amount if you live away from home, have kids, are impaired in any way, and so on and soforth... It´s really a great tool for evening out some of those obstacles people might have in their lives at that point.
How was the "freedom machine" created? I asked Gemini about this: Did workers unions come before extensive welfare state in Norway and Scandinavia? Gemini: "Yes, workers unions played a significant role in the development of the extensive welfare state in Norway and Scandinavia. The growth of strong labor unions in the late 19th and early 20th centuries provided a powerful voice for workers' rights and social protections. The unions' advocacy for policies like unemployment insurance, pensions, and universal healthcare laid the groundwork for the comprehensive welfare systems that emerged after World War II. In essence, the labor movement's mobilization and political influence were crucial in pushing for and securing the social benefits that characterize the Scandinavian welfare model today." So, in the last few years in the US, workers unions have again started to to rise from historically low levels. In Scandinavia, welfare has historically been closely tied to worker organizations, so maybe the US is about to re-embark on this path once again, to catch up with the Scandinavians, but massive amounts of wealth will be made available in the process to try to supress this rise, or fraction it, because they know that worker solidarity is a massive force if it is allowed to take hold. In Scandinavia this solidarity becomes apparent when worker unions are on strike. No other workers will critisize them much as long as their claims makes sense. We all know we will also need this solidarity when it is our turn to show the bosses where the lines are drawn. On the other hand, bosses in Norway are releived from many responsibilites, by outsourcing many tasks to the government.
While we do have some private schools that charges money per semester, for which you can get a cheap loan from the state fund, most people need the loan to pay for their living expenses when they study, not for the school.
The school are free but if you ex. go to University you will have to rent a place to live and buy you own food etc. So you get a loan and a scholarship from the state with no interest until you are finished with your degree / start to work. Right now this is max totally approx 14.000 $ / year and will be converted to 8.400 $ in loan and 5.600 $ in scholarship after completion of your degree.
Tuition is free in Scotland, right? Like in Norway. But in Scandinavia I think it is only Denmark that where the government give you also money for living expenses. In Norway, attending school is free, but you have to pay for food and rent yourself, so in order to study full time, you may need a loan, but it's not mandatory.
7:28 Uh, well yeah you get perhaps a paper fee only. But do you get free food and living? When I studied, you got loans over 90k NOK per year and most of it was converted to stipend after completing a semester. If you failed to get enough points, it was all converted to a loan (albeit at rates below 2%). I'm dubious as to when people say "we also have free education here" that it's actually free. When we say free education we mean EVERYTHING.
Schools are free in Norway, however you dont always have the school close by, so in cases you dont live with family, or even family cant afford to pay for you, then you can take the student loan from the state, which then helps pay for housing, living costs, and student equipment (such as books, computers, etc..), if you do not live with parents, 40%-50%ish will go away once you finish your education, and be converted to a scholarship, while the rest will be payed back once you get a job and are able to provide for yourself
Hi, great video! An important thing to notice here is the time! And the situations in the world at the time of implementing different rules or restrictions. People think that "If we do like Norway, we'll be happier" But take a look at it. the official sallery negotiations were implemented in 1930's. At the "great depression". Therefor it was probably easier to implement laws or regulations for economy. The total time span of LO is from the 1800's and on going. 1800's was the birth of industry. ETC Another remark from a friend of mine the other day was: Politisians now a days think only of them selves and their generation. But the Norwegian oil fonds where made to be a safety plan for all future generations of Norwegians. And to change peoples attitudes or acceptance of rules and "norms" takes a long time! Nothing can be done in 1 presidetial periode or 2. Conclustion. Be patient and look at the results over time. It's not a miracle fix, cause there are still faults in the Norwegian system! A lot of them. But things take time. Thanks to those who read this! Love u all
The matter being addressed is obviously higher education, university, college and so on. That has to do with costs of moving, living, and to a degree paying for one's education. There isn't anything to do with primary and secondary school being free or not, which they are.
I think you got it wrong, it's not that Norwegian parents are not involved or supportive, but we allow for a greater share of self determination and independence.
As a norwegian, I am almost shocked to how hard it was to go back to your accent after listening to the norwegian speaker for a bit, even though it was no problem at all in the beginning of the video. I guess listening to a norwegian guy speak english for a few minutes rots my perception of english to the point I have to restart it going back to other dialects.
How many channels do you have btw, one for every nation? Genius idea. Just looking at and being positive about a nations clips with only viewers from that nation. Chillest income ever.
I think many in the US would like our Norwegian system, but as long as they have legalized corruption in the lobbying space (dark money contributions in politics), and several dedicated propaganda "news" networks who's aim is to maintain corporate power over politics, there is just too much noise for the regular person trying to keep multiple jobs to stay afloat. Their system, especially in many southern states, seems designed to keep the working class busy breaking their backs so they don't have the energy to actually pay attention to politics. Look for videos by US citizens describing Norway after having lived here for a few years. They are usually like "why can't we have this..."
I agree that perents should be involved, but they should not take so much responsability for their adult children that the children dont have a chance to learn responsability themselves. Children need safe frameworks to make mistakes and learn from them. In america mistakes like missing out on homework can have dire long term consequences
i got 3,5k every month from the loan fund when i was an aprentice as a chef. After i quit i sendt a email and such to end it so i didn't get any more money from them. But they still sendt me another 3,5k the next month, so i put it on a seperat bank account and sendt them an email, expecting to have to send it back, they just said thanks for letting us know, some technical glitch that did so i got paid even though i should not have been. They never asked for the money back 😂
Hello from Norway. Usually this guy does crazy & absurd humour, this is the most serious I've heard him, and first time hearing him speak english. Sadly USA is a mess, I hope things will improve.
@@mtbboy1993 if you add all payid taxes in Norway together, it should add to ca 60%. Let say on 100k, you pay 40k (40%) income tax, and if you spend remaining 60k, you would pay 15k (25%) in sales tax, so here you have 55k (55%) tax + add other taxes
Happiness indexes are ridiculous and generally based on European ideals. You are more likely to be happy if you attain your goals, but goals are based on expectations. The less that you expect out of life, the less that you need to be happy.
11:31 - That´s exactly what they are to any women where the father has to pay child support (alimony) if they break up. This practice should end as soon as possible. Women in western countries, where this applies will often seek men with well paid jobs to secure either themselves or hopefully in most cases their kids, if the relationship ends. Also, women spend so much time going on about their rights to equality, but this is the one place where everything is always in favour of the women, but nobody wants to change that. Child support and equal care of their children. If the woman wants her children 80% of the time, she´ll get it, and their dad will have to pay her for that time no matter what. She can then give the kids to her parents and go party for that money. Nobody ever checks. I know of several cases like this. But does the dad ever have a say in it? Well, he has "the right to be heard" just like the kids, more or less. The mom decides in the end.
School is free. Medical care is free. Police training is a three-year Bachelor. Free. Pretty much all communal services are free. But we pay about 25% tax on average. The more you make, the more you pay in tax. It is illegal to have homelessness. For the government, of course! The commune (local government) are duty-bound to help addicts with homes etc. So virtually no homelessness. Seems to work well.
Definitely young adults should have the option to be independent. Anyhring else is so quickly abusive and destructive. If you have a child then you should be prepared to support them selflessly as much as is required untill they're grown-up . Otherwise just dont have children and save for your retirement instead
I don't think the Norwegian socialist system with free healthcare and independence for women will ever come to America as many Americans are afraid of socialism and think they wouldn't have their freedom that they're so proud of, but I don't think most of them has reflected on what kind of freedom they have that we don't have, and with social media a lot of Americans feel that they have been framed their whole life and now want to have it as we have it in other countries with free healthcare (or almost free) and maternity leave and unemployment benefits and such. I think most European countries have some kind of support system, except for those that was a part of Russia, so the freedom in America is bogus compared to the freedom most europeans gets. In America they arrest 8 year olds for convicting a crime and put them in prison instead of ground them and take away some of their electronics for a given time, we would never do that to a child, and you would have to be 18 to go to a prison with other adults. We might put the child into foster care if needed, but not in prison/jail. America don't even get along with the metric system, so I don't think they will get to socialism any time soon, and if DT wins the election it would take even longer as his ides is very old school, he doesn't realize that he's now the oldest person to run for president as he has been harassing JB for until Camala Harris came along. If she wins the country might develop a little, but she is an American and think like an American woman should, so I doubt that women would get any free daycare or healthcare and definitely not any maternity leave of one year paid by the government with tax money. Americans are more afraid to see a nipslip than that they might get shot at school or in the streets or at the grocery store. In Norway we dont care if the whole breast is out if they're feeding a baby, but we might stare and shake our heads and say thet the person is crazy if they just go out in public like that, unless it's in the Pride parade or they're a "Russ", then we just complain to each other of how the gays take over and the teenagers being to wild and say "teens nowadays" while shaking our heads, or we just don't care at all, most people would just ignore it.
All education is free until the university level, which not all choose. The university education itself is free too, but you pay for all the books. The cheap "education loan" you can get from the state is ment to pay for books, food and rent when going to the university. You call it "socialism" but Norway is not a socialistic country (and I am very happy we're not). A "pure" socialistic country are regimes like North Korea, Cuba, China, old Sovjet a.s.o. Even all political parties on the "right wing" agrees on the basic stuff like free education, free health care, cheap kindergartens, a.s.o. As a Norwegian I can agree that some things are better in the USA than here, but there's many things that are much worse too, no doubt.
Harald Eias awful English pronounciantion notwithstanding (as least it¨s better than Stoltenberg), this was a pretty good show when it ran. Caused some debate as well.
Norwegians are going over cliff. Salarylevels is not sustainable .This is not a responsibel economy.Woulnerabilty caused by the fear politicisans have presenting the truht is going to get norway in a harsh position.
Norway is a good and safe country to live in, but nothing is free in life. Even if we don't pay for welfare and healthcare directly, we pay through high taxes on income and very high taxes on some of the things we buy. In most of the years after WW2 Norway have been govern by socialist-democrats, and these people tend to think that they know what's best for the country and the people at all times, and have been and are very arrogant about it! Sosialists solution to every problem has been and will allways be more and higher taxes, thats the only thing they know! I agree on paying taxes to fund infrastructure, education, welfare and healthcare, but when they use high taxes to stop people from buying what they want, on a salary that in other countries with more normal taxes would allow you to buy most things, I think it's gone too far! For instance; a car that cost around $50000 in USA, can reach $150000 to $200000 in Norway after government taxes. Also I can mention high taxes on goods that are not available in Norway(?) very high taxes on alcohol, gasoline and diesel, food is very expensive - we`re talking $30-50 for one bag of normal every day groceries, electricity have sky rocked the last years, and the government are now using our tax money to fund all kinds of green Industries without knowing if it will pay of or not. So we have a sort of freedom with restrictions, and it it`s not cheap!
The problem with free university education is that those universities can't afford to hire the best professors, buy the best research equipment, etc. It's no wonder that the top university lists are dominated by the US (and next the UK). This leads to innovative companies, Nobel Prizes, etc.
You do realize that american professors are paid WORSE than most european professors? And that most money in american colleges and universities is spent on things like sports events, nice campus and stuff, not research? So how do you propose does this attract the best professors?
You could also miss out on a lot of potentials whom otherwise could seek higher education without the fear of building a massive dept. I understand there are scholarships, but not everyone gets that benefit, while others mature and do become a potential later on in life. While, I think innovation and such is rather from it being a good place to get investors; many of noble peace prize winners are from other parts of the world, but decided to be invested in U.S and innovations happen everywhere.
Its this that The American Dream is live and kiking.. in Europe even more in Scandinavia! And Americans like to pay more for less out of there pocket, not paying less for more by taxes.. becuse that would be socialism! Then to womens choice of partner I dont know but it seems they in moste cases chose someone equal in education lifestyle expect and a real partner? "Latte Pappas | Is Paternity Leave in Sweden the best in the world?" ua-cam.com/video/yCC-4smezts/v-deo.html
7:50. The loan fund is about university. Everything before that is free/tax funded. And so is university actually, the loan is for being able to live while studying. (Housing, food, entertainment, study supplies etc), no dependence on family needed. Well, at least in Sweden, I'm 95% sure it's the same in norway.
The school are free, but living cost are expensive. For that you get a loan and scholarship
Exactly... :)
@@TomKirkemo-l5c In your Dreams!
yup. tuition is usually 60$ per semester for public schools
And most don't need that support until uni.
Yes, you can even choose to live at your parents and take the maximum loan to invest (not recommended necessarily)
17:20 No, because you need a certain degree of trust between humans.
The State of Norway is not generous, but has done a number of smart things to ensure that most Norwegians have good opportunities to stay healthy and to get educated. The biggest winner in this is the state itself.
Yes, and the state is composed of you, me, and all the other citizens.
@@oh515 Exactly, and I don't think Norwegians are more generous than others, but we have built smart systems that benefit the state, and as you say thereby us who live in Norway.
@@griegs2001 We are, though. The "Dugnadsånd" and volunteerism is second to none in the world - or was, last time I checked. When I checked that in USA too, the most "generous" state was Minnesota. Basically the "Norwegian" state... but even then it was 10 times less per capita.
By "volunteerism", donations to such organisations are counted and I think work hours as well (for free).
I'm not saying the rest of your comment is wrong, just bringing context to the first part of it; you said "I don't think Norwegians are more generous than others"
@@SebHaarfagre I think the most dangerous thought we as humans can have is that we are "better" than others.
Student loans in Norway are there for living expenses. Uni and similar public higher education is close to free (you pay a small registration fee and obviously have to pay for your own books and such), only private run schools take tuition. But obviously you will still need a place to live and food to eat, so the student loans are there to help pay for that.
Some of the loan is turned into a stipend if you pass your courses (up to 40% of the loan). And the loan comes with protections for things like unemployment and such. Also, they acrue no interest while you are still an active student. A pretty good deal.
Also if you die the loan is not inherited by any body.
@@Eivindbeivind I can't think of any instance here where you would inherit a debt. I mean apart from debt having to get settled from an estate before you can collect, but even then I cannot imagine anyone being forced to take on a negative inheritance.
@@mkitten13 I don`t know if you can be forced to inherit debt. But if you inherit an aset that has been used as leverage for a loan, if you sign on for that inheritance I belive you also inherit the debt. Not certian if anybody can force you to inherith thugh. That being said I do not know if anybody is actualy obliged to inform you beforhand that an aset has been used as leverage for a loan. In any case with student debt in Norway that is just instantly stricken, should you die. The loan on any for of relastate, car or other aset will not. And yes In such cases it is posible to inherit negative debt. Espesialy that is the case with cars they can easiily depriciate in value faster than the downpayment on a loan.
Its not that parents isnt involved with their children here in Scandinavia. I think the whole point was that in America you have to pay for everything…education, hospital/doctor visit etc. Thats what he meant by not being independent. These things are «free» here in Scandinavia and probably in a lot of other European countries too.
Most important is that the goverment has to be elekted by the pepole for the pepole. As Erik Bye said: the goverment is there to serve pepole. When te goverment stops to see this as their job, it’s time to change them.
School is free in Norway. As you say it is in Scotland. But in Norway, University is free too. The only thing you need money for is food and accommodation at the university, but again there the government will give you a very cheap loan for that. Of course, Norway is way better than the USA or the UK. The whole point of living in a society is that we take care of each other and that each one contributes according to ability. The attitude in the USA is apparently to rip off the system as much as you can.
We have the same in Sweden, University is free but you have to have money for rent, food and other things and then you get a loan from the goverment and Athen also give you a smäller amount money for free.
Education is not free, is payid for everywhere, just different way.
University in Scotland is free.
I am norwegian and I am proud of my country and pay my taxes with gratitude. The system is really good. Sadly I see that it's not so functional and fair as it used to be. People find new ways to take advantage of it, and the system finds new ways to stop them. That makes people in real need to not get the help they need.
the solution - what would you rather, that none of those who do not need help find a way to acces it OR that everyone of those who needs help, gets the help... You can not have both... Because, when you try to deny the leachers (those who do not need help but gets it anyways) you will always have someone who needs the help fall through those cracks...
The Norwegian Education Fund offers standardized loans and grants that anyone can apply for when they meet the criteria. The advantage of these loans is that they are interest-free while you are a student. The interests start to run the day after you have completed your studies, but there is a payment-free period of 7 months before the requirements start to arrive. If you fall ill while studying, you can apply to convert the loan into a grant, and if you become disabled later in life, you can apply to have parts of the loan cancelled. It is a very good deal for the student.
The loan is not for school. But for an apartment and food.
Love this video - truly speaking for Scandinavia, said this Dane =D
In Denmark when you are 18 - you are allowed a stipend for studying, and you need to apply for the stipend - my guess is that the Norwegian Fund is like this. So beside free uni, you also get a grant of about 750£ each month - on top of that you can also ask for a loan of about half this amount, which have low interest, but is still a loan and needs to be paid back...
Brilliant video.
The positive thing about free education is that everyone can afford it, not just the people with money. Which means most people get a chance at a good education, and the parents dont have to spend all their money on schools.
Student loans help people spend more time on studies and less time having to work. The interest is also very low. You can also postpone paying for 36 months in the middle of the paying period, choosing whatever month you need it.
7:20 Public university is free in Norway. If admitted you are eligable to apply for a student loan to cover living expenses. The annual student loan for a full time student today is 152 000 Norwegian kroner, or about €14,000. All students that want to are eligable for the student loan. If you pass all your classes as a full time student 40% of your loans are converted into a free scholarship. The other 60% you pay back. You don't accumulate interest on the student loans until after you finish your degree, and the interest rates are generally quite low. Most people pay it back for 20 years. I had about €55,000 in student loans after graduating, and pay around €300 a month now.
6:17 - Norwegian here. I think it really matters how you´re brought up. And it will differ just as much whether your education is paid for by your parents or the government. However - the US system I think makes a huge difference between public and private schools. In Norway, almost nobody talks about if you went to a private school or a public school, because most schools are public anyway. One thing I wish we had though, was school uniforms like the UK, because fashion shaming is a very big thing. Maybe just because I haven´t tried it - maybe kids will just always find something to heurass another kid about.
About independence from your parents, I think we´re all built very differently, so we even percieve the same treatment in different ways. I´ve got two brothers, and we have taken quite different paths even though I reckon our parents are as just as they come. And very supportive of anything we paid interest to. We´re also pretty different about how much we´ve "depended" on our parents throughout.
Appreciated the commentary. There is a degree to which most of these things make sense and allow for freedoms. I don't know if parental connection quite counts in that regard, it varies a lot even within the States, and there can be a lot of isolation for people who don't feel like they can connect to their elders, who in good relationships will have your back even when others have less of an incentive to help you (even a well run state isn't perfect). Marrying with an idea about some degree of financial security makes basic sense, though there are plenty of people who just try to make it work with what they can manage, it's sort of Very Online to think everyone is trying to marry up, though I guess it's a factor for many people.
As far as employee protections, I think the employer power is concentrated early in the relationship, since hiring can be more discerning to put it neutrally, and there is an early window when you can fire someone with less formality than after that probationary period is over. But it's a good point as far as health care very often being tied to workplaces, as well as other situations that can leave one feeling a bit powerless.
I think it's a truism that there's too much resistance to services, I think the gov is more beholden to people that it first seems and tend to believe that increasing services nowadays is sort of political self destruction. It would take cultural adjustments, not just policy changes, and if possible might take time that would outpace the relatively rapid election cycles. It's important also to not relative population size; I wonder if the bigger a population gets the harder it gets to manage these sorts of services. Healthcare is also subject to supply of medical professionals and institutes to manage and distribute care, there are a lot of adjustments that would be need to be done in that arena
It’s the same here in Norway we have free 13-14 years of school and then you can also go to a free university after that but if you wish you can go to a private university and then you get a good loan that is no stress
I'm a 41 year old Norwegian, and still my parents are on my back constantly!^^
I do appreciate it though
I think stay at home moms are great.But I think it's crazy that so many women in the world still can't choose for themselves.Here in Norway you are respected as a female no matter what you look like, if you are single, or married. You can support yourself, and live the life you want without the pressure of having children or looking a certain way.
I have lived in Norway most of my life. No services are government funded, they are tax funded. I used to pay 40% of my income in tax. One long term problem with the welfare state is that there is a lower incentive to have children because the government will take care of you. If you eventually reduce the number of people in "working age" compared to the number of people in "dependence age," pure mathematics says that you either need to increase the taxes for the working age people or increase the age span of the working age so that more people are paying taxes. I think we will see the age of retirement increase in many western countries the coming years.
I agree with you about the taxes. I really dislike when people talk about anything being "state/government funded". There is no such thing! It is tax funded! The state doesn't have money, they have a mandate to spend a portion of the population's money.
Regarding the incentives to have children, I'm not so sure welfare has much influence.
The fact that child mortality dropped from about 50% to less than 1% and that women have entered the work force (and children have left the workforce, making it much more costly to raise a child) seems likely to be the main factors resulting in the lower fertility rate we see in many modern countries.
In fact, I am fairly certain that we see the opposite of what you are describing. High-income families that are not reliant on welfare have fewer children than low-income households.
7:30 - Uni is exactly where this fund is important. We have free education for all up until then as well. But in Uni, the education fund gives you support, partly conditional where you have to pass exams, partly unconditional, partly as a very cheap loan that can in theory go on forever, and nobody inherits this debt from you. And there are other benefits, like an extra amount if you live away from home, have kids, are impaired in any way, and so on and soforth...
It´s really a great tool for evening out some of those obstacles people might have in their lives at that point.
Have you seen Trond Viggo as Skotten yet?
How was the "freedom machine" created? I asked Gemini about this: Did workers unions come before extensive welfare state in Norway and Scandinavia?
Gemini: "Yes, workers unions played a significant role in the development of the extensive welfare state in Norway and Scandinavia.
The growth of strong labor unions in the late 19th and early 20th centuries provided a powerful voice for workers' rights and social protections. The unions' advocacy for policies like unemployment insurance, pensions, and universal healthcare laid the groundwork for the comprehensive welfare systems that emerged after World War II.
In essence, the labor movement's mobilization and political influence were crucial in pushing for and securing the social benefits that characterize the Scandinavian welfare model today."
So, in the last few years in the US, workers unions have again started to to rise from historically low levels. In Scandinavia, welfare has historically been closely tied to worker organizations, so maybe the US is about to re-embark on this path once again, to catch up with the Scandinavians, but massive amounts of wealth will be made available in the process to try to supress this rise, or fraction it, because they know that worker solidarity is a massive force if it is allowed to take hold.
In Scandinavia this solidarity becomes apparent when worker unions are on strike. No other workers will critisize them much as long as their claims makes sense. We all know we will also need this solidarity when it is our turn to show the bosses where the lines are drawn. On the other hand, bosses in Norway are releived from many responsibilites, by outsourcing many tasks to the government.
pretty confident in my own opinion that he ments "high quality" as in: Wealth, status, background, education, looks and so on.
While we do have some private schools that charges money per semester, for which you can get a cheap loan from the state fund, most people need the loan to pay for their living expenses when they study, not for the school.
The school are free but if you ex. go to University you will have to rent a place to live and buy you own food etc. So you get a loan and a scholarship from the state with no interest until you are finished with your degree / start to work. Right now this is max totally approx 14.000 $ / year and will be converted to 8.400 $ in loan and 5.600 $ in scholarship after completion of your degree.
Tuition is free in Scotland, right? Like in Norway. But in Scandinavia I think it is only Denmark that where the government give you also money for living expenses. In Norway, attending school is free, but you have to pay for food and rent yourself, so in order to study full time, you may need a loan, but it's not mandatory.
In Sweden you get some money for living expenses, but not enough to actually live on, but the same agency also handles the student loans.
7:28 Uh, well yeah you get perhaps a paper fee only. But do you get free food and living?
When I studied, you got loans over 90k NOK per year and most of it was converted to stipend after completing a semester.
If you failed to get enough points, it was all converted to a loan (albeit at rates below 2%).
I'm dubious as to when people say "we also have free education here" that it's actually free. When we say free education we mean EVERYTHING.
works as long as the government isn't running out of money.
Ok, I'm Norwegian, we have it pretty good here. But the WEF as a source of facts?? Ehhh... Other than that, it's working well over here. :)
Schools are free in Norway, however you dont always have the school close by, so in cases you dont live with family, or even family cant afford to pay for you, then you can take the student loan from the state, which then helps pay for housing, living costs, and student equipment (such as books, computers, etc..), if you do not live with parents, 40%-50%ish will go away once you finish your education, and be converted to a scholarship, while the rest will be payed back once you get a job and are able to provide for yourself
Hi, great video! An important thing to notice here is the time! And the situations in the world at the time of implementing different rules or restrictions. People think that "If we do like Norway, we'll be happier" But take a look at it. the official sallery negotiations were implemented in 1930's. At the "great depression". Therefor it was probably easier to implement laws or regulations for economy. The total time span of LO is from the 1800's and on going. 1800's was the birth of industry. ETC
Another remark from a friend of mine the other day was: Politisians now a days think only of them selves and their generation. But the Norwegian oil fonds where made to be a safety plan for all future generations of Norwegians.
And to change peoples attitudes or acceptance of rules and "norms" takes a long time!
Nothing can be done in 1 presidetial periode or 2.
Conclustion. Be patient and look at the results over time. It's not a miracle fix, cause there are still faults in the Norwegian system! A lot of them. But things take time.
Thanks to those who read this!
Love u all
The matter being addressed is obviously higher education, university, college and so on. That has to do with costs of moving, living, and to a degree paying for one's education. There isn't anything to do with primary and secondary school being free or not, which they are.
I think you got it wrong, it's not that Norwegian parents are not involved or supportive, but we allow for a greater share of self determination and independence.
As a norwegian, I am almost shocked to how hard it was to go back to your accent after listening to the norwegian speaker for a bit, even though it was no problem at all in the beginning of the video. I guess listening to a norwegian guy speak english for a few minutes rots my perception of english to the point I have to restart it going back to other dialects.
Remember the taxes has to be raised considerably, to get any benefits back.
3 tip for a better video: 1. Add some color.
2. Invest in better sound/ microphone
3. Ask questions when you stop the video.
😊
Nothing is free. Scandinavians may have more freedom from parents, but are more dependent on the state.
How many channels do you have btw, one for every nation? Genius idea. Just looking at and being positive about a nations clips with only viewers from that nation. Chillest income ever.
the loan fund covers all rent, food, clothes etc
I think many in the US would like our Norwegian system, but as long as they have legalized corruption in the lobbying space (dark money contributions in politics), and several dedicated propaganda "news" networks who's aim is to maintain corporate power over politics, there is just too much noise for the regular person trying to keep multiple jobs to stay afloat. Their system, especially in many southern states, seems designed to keep the working class busy breaking their backs so they don't have the energy to actually pay attention to politics.
Look for videos by US citizens describing Norway after having lived here for a few years. They are usually like "why can't we have this..."
I agree that perents should be involved, but they should not take so much responsability for their adult children that the children dont have a chance to learn responsability themselves. Children need safe frameworks to make mistakes and learn from them. In america mistakes like missing out on homework can have dire long term consequences
i got 3,5k every month from the loan fund when i was an aprentice as a chef. After i quit i sendt a email and such to end it so i didn't get any more money from them. But they still sendt me another 3,5k the next month, so i put it on a seperat bank account and sendt them an email, expecting to have to send it back, they just said thanks for letting us know, some technical glitch that did so i got paid even though i should not have been.
They never asked for the money back 😂
Hello from Norway. Usually this guy does crazy & absurd humour, this is the most serious I've heard him, and first time hearing him speak english. Sadly USA is a mess, I hope things will improve.
Sadly in Norway you loose 60% of your income to the state, so there is much to learn from USA.
@@peterch4978 What? Who told you that? Pls clarify. That makes zero sense.
@@mtbboy1993 if you add all payid taxes in Norway together, it should add to ca 60%. Let say on 100k, you pay 40k (40%) income tax, and if you spend remaining 60k, you would pay 15k (25%) in sales tax, so here you have 55k (55%) tax + add other taxes
To be honest, kids are indepnedent, but they do as you say, teach or learn
Happiness indexes are ridiculous and generally based on European ideals. You are more likely to be happy if you attain your goals, but goals are based on expectations. The less that you expect out of life, the less that you need to be happy.
11:31 - That´s exactly what they are to any women where the father has to pay child support (alimony) if they break up.
This practice should end as soon as possible. Women in western countries, where this applies will often seek men with well paid jobs to secure either themselves or hopefully in most cases their kids, if the relationship ends. Also, women spend so much time going on about their rights to equality, but this is the one place where everything is always in favour of the women, but nobody wants to change that. Child support and equal care of their children. If the woman wants her children 80% of the time, she´ll get it, and their dad will have to pay her for that time no matter what. She can then give the kids to her parents and go party for that money. Nobody ever checks. I know of several cases like this. But does the dad ever have a say in it? Well, he has "the right to be heard" just like the kids, more or less. The mom decides in the end.
The loan fund is so you don’t have to work to pay for housing and cost of living independently.
I think the video is true but how does one deliver such a message without being mean.
I have so many norwegian friends who don't even realy know their parents. Not in a deep level
The students need menyen to living expenses, not the school.
Yeah, it would be posible... Yes there are a hell of a lot more people in america, that means more tax income!
so you regard equal pay for women (and hence women's ability to provide for their children) as socialism??? Come on
School is free. Medical care is free. Police training is a three-year Bachelor. Free.
Pretty much all communal services are free.
But we pay about 25% tax on average. The more you make, the more you pay in tax.
It is illegal to have homelessness. For the government, of course!
The commune (local government) are duty-bound to help addicts with homes etc.
So virtually no homelessness.
Seems to work well.
total tax is round 60%, so things are really not ''free''
As an American with kids living in Norway. I can say with out a shadow of doubt he's not being 100 percent truthfully.
Please elaborate your view.
Definitely young adults should have the option to be independent. Anyhring else is so quickly abusive and destructive.
If you have a child then you should be prepared to support them selflessly as much as is required untill they're grown-up . Otherwise just dont have children and save for your retirement instead
I don't think the Norwegian socialist system with free healthcare and independence for women will ever come to America as many Americans are afraid of socialism and think they wouldn't have their freedom that they're so proud of, but I don't think most of them has reflected on what kind of freedom they have that we don't have, and with social media a lot of Americans feel that they have been framed their whole life and now want to have it as we have it in other countries with free healthcare (or almost free) and maternity leave and unemployment benefits and such. I think most European countries have some kind of support system, except for those that was a part of Russia, so the freedom in America is bogus compared to the freedom most europeans gets. In America they arrest 8 year olds for convicting a crime and put them in prison instead of ground them and take away some of their electronics for a given time, we would never do that to a child, and you would have to be 18 to go to a prison with other adults. We might put the child into foster care if needed, but not in prison/jail.
America don't even get along with the metric system, so I don't think they will get to socialism any time soon, and if DT wins the election it would take even longer as his ides is very old school, he doesn't realize that he's now the oldest person to run for president as he has been harassing JB for until Camala Harris came along. If she wins the country might develop a little, but she is an American and think like an American woman should, so I doubt that women would get any free daycare or healthcare and definitely not any maternity leave of one year paid by the government with tax money. Americans are more afraid to see a nipslip than that they might get shot at school or in the streets or at the grocery store. In Norway we dont care if the whole breast is out if they're feeding a baby, but we might stare and shake our heads and say thet the person is crazy if they just go out in public like that, unless it's in the Pride parade or they're a "Russ", then we just complain to each other of how the gays take over and the teenagers being to wild and say "teens nowadays" while shaking our heads, or we just don't care at all, most people would just ignore it.
in USA you have a choice to buy any insurance you want, in Norway you are just taxed without choice
i think the amount of independence you have from your parents should be your choice
hrmm. It was the Russians Soviet soliders that chased the germany out of occupied Norway. That should Harald Eia know.
Youre not dependant on your parents for educaion.. But thankfull for help.
🥰
Norway takes in taxes ca 60% 🤡🤡of your income, Sweeden 75% 🤡🤡🤡, at what point are citizens only slaves of the state?
All education is free until the university level, which not all choose. The university education itself is free too, but you pay for all the books. The cheap "education loan" you can get from the state is ment to pay for books, food and rent when going to the university. You call it "socialism" but Norway is not a socialistic country (and I am very happy we're not). A "pure" socialistic country are regimes like North Korea, Cuba, China, old Sovjet a.s.o. Even all political parties on the "right wing" agrees on the basic stuff like free education, free health care, cheap kindergartens, a.s.o. As a Norwegian I can agree that some things are better in the USA than here, but there's many things that are much worse too, no doubt.
Harald Eias awful English pronounciantion notwithstanding (as least it¨s better than Stoltenberg), this was a pretty good show when it ran. Caused some debate as well.
Hate money... and you will be good in life ;)
At least if its free to become what you want.. Maybe a small loan like. 3k $
And dont compare yourself with others. Life is not as stupid as schools
Norwegians are going over cliff. Salarylevels is not sustainable .This is not a responsibel economy.Woulnerabilty caused by the fear politicisans have presenting the truht is going to get norway in a harsh position.
Norway is a good and safe country to live in, but nothing is free in life. Even if we don't pay for welfare and healthcare directly, we pay through high taxes on income and very high taxes on some of the things we buy. In most of the years after WW2 Norway have been govern by socialist-democrats, and these people tend to think that they know what's best for the country and the people at all times, and have been and are very arrogant about it! Sosialists solution to every problem has been and will allways be more and higher taxes, thats the only thing they know! I agree on paying taxes to fund infrastructure, education, welfare and healthcare, but when they use high taxes to stop people from buying what they want, on a salary that in other countries with more normal taxes would allow you to buy most things, I think it's gone too far! For instance; a car that cost around $50000 in USA, can reach $150000 to $200000 in Norway after government taxes. Also I can mention high taxes on goods that are not available in Norway(?) very high taxes on alcohol, gasoline and diesel, food is very expensive - we`re talking $30-50 for one bag of normal every day groceries, electricity have sky rocked the last years, and the government are now using our tax money to fund all kinds of green Industries without knowing if it will pay of or not. So we have a sort of freedom with restrictions, and it it`s not cheap!
youve learnt to use the Norwegian pride to grab easy views🤣
The problem with free university education is that those universities can't afford to hire the best professors, buy the best research equipment, etc. It's no wonder that the top university lists are dominated by the US (and next the UK). This leads to innovative companies, Nobel Prizes, etc.
Nice to see that you have fallen for the typical US propaganda machine!
You do realize that american professors are paid WORSE than most european professors? And that most money in american colleges and universities is spent on things like sports events, nice campus and stuff, not research? So how do you propose does this attract the best professors?
You could also miss out on a lot of potentials whom otherwise could seek higher education without the fear of building a massive dept.
I understand there are scholarships, but not everyone gets that benefit, while others mature and do become a potential later on in life.
While, I think innovation and such is rather from it being a good place to get investors; many of noble peace prize winners are from other parts of the world,
but decided to be invested in U.S and innovations happen everywhere.
Ooh, he's throwing shade at stay at home moms. He can't fathom that some women might be into that as a lifestyle choice.
Ok sure whatever you say!
Still on that OH he said something against the US!
Let me have a fit of that!
"Powerful and competent government sets you free"???? What a lot of BS from the sosialist Harald Eia.
Its this that The American Dream is live and kiking.. in Europe even more in Scandinavia!
And Americans like to pay more for less out of there pocket, not paying less for more by taxes.. becuse that would be socialism!
Then to womens choice of partner I dont know but it seems they in moste cases chose someone equal in education lifestyle expect and a real partner?
"Latte Pappas | Is Paternity Leave in Sweden the best in the world?"
ua-cam.com/video/yCC-4smezts/v-deo.html