Student Debt Crisis
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Student Debt
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Author : Avery Elizabeth Hurt
language : en
Publisher: Greenhaven Publishing LLC
Release Date : 2019-12-15
Student Debt written by Avery Elizabeth Hurt and has been published by Greenhaven Publishing LLC this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-12-15 with Young Adult Nonfiction categories.
As of 2019, Americans owed over 1.56 trillion dollars in student loan debt, and 69 percent of college students who graduated in 2018 had to take out student loans. Student debt has increased significantly over the past twenty years, but what factors have brought this about? Are students to blame for making irresponsible financial decisions, or is the price of education rising disproportionately to average income? How do variables like class and race impact student debt? What impact do these debts have on individuals and the economy? This volume examines the nature of America's student debt crisis and explores possible solutions.
The Real College Debt Crisis
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Author : William Elliott III
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2015-07-14
The Real College Debt Crisis written by William Elliott III and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-07-14 with Business & Economics categories.
Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.
Student Debt Crisis
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Author : Matthew Gumke
language : en
Publisher: Independently Published
Release Date : 2019-09-19
Student Debt Crisis written by Matthew Gumke and has been published by Independently Published this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-09-19 with categories.
America is suffering from a debt crisis, cased by insane levels of student loans. Wages have only increased 67% since 1970, yet student loans are exploding to record levels, year after year. This, along with soaring cost of living, has made it nearly impossible for ordinary millennials who go to college, to become financially independent in the richest country on earth. If you go to college and study most degrees and use the information you learned in your degree in the workforce, the American dream is dead. As an entrepreneur who's looking to hire millennials, I can tell you that most graduates don't have a clue how to help my businesses.Not only that, they're in a constant state of fear and panic. Even if I pay them a great wage, they can't afford to make ends meet due to their obscene student loans, often at high interest rates. They're trying to get married, buy a house and have kids, yet their crippling loans makes it impossible.Many millennials are ostracised from the dating scene, because they're simply too poor from student loans to date. It's affecting their self-image, self esteem and confidence. 1.Total student loan debt is over $1.5 Trillion2.College tuition has increased 213% since 19803.More than 3 million people aged 65+ are still paying off their student loans4.As of May 2018, 101 people owe at least $1m in unpaid student loans5.Black families carry more debt than white families and they're more likely to default on their loans.6.40% of student will default on their loans by 20237.49% of total loan value in bankruptcies are student loans. They're unforgivable by bankruptcy 8.13% of of Americans surveyed last year said they've decided not to have kids because their student loan debt is so high9.Student loan defaults are higher than the 2008 mortgage crisis10.50% of millennials think college wasn't worthwhileThis message is for concerned parents who worry about the future of their children/teenagers. It's also for people worried if going to college/university in the 21st century will help them get ahead in life. It's also for people stuck in a student loan crisis, looking to finally learn how to create a high income. I'm writing this because I wish someone gave me this advice when I was 16 and I was being shouted at for not going to university. I was told that I'd never be successful. I was told that my life would be so miserable, it wouldn't be worth living. I believe that college died a painful death this century. No longer does a child need a formal education to get ahead in life. College in the United States of America has turned into a horrible scam, enriching a few at the top of the pyramid, while the teachers and students suffer. Do you think the children of the people that own these colleges go to university? The children of people making 10's of millions of dollars per year?It's turned middle class children of the future into debt slaves. Unless these debt slaves somehow find a way to produce an exceptionally high income, they'll never be able to create the levels of upward social mobility seen before in previous generations. Parents know it, kids know it, college has turned into a scam. Unless you want to be a doctor, lawyer, engineer, accountant, nurse, or something that needs a degree, you're better off not signing the dotted line on a 6-figure loan. From the statistics you'll see and learn about in this book, even a high income career isn't enough. Not only do I show the problems, I provide solutions. This could be the book that helps you finally sell them on the idea that you don't need to go to college/university to become successful. I was able to become successful without crippling loans. I want the same for you too.
Educating Public Interest Professionals And The Student Loan Debt Crisis
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Author : Robert Leslie Fisher
language : en
Publisher: Rowman & Littlefield
Release Date : 2021-11-08
Educating Public Interest Professionals And The Student Loan Debt Crisis written by Robert Leslie Fisher and has been published by Rowman & Littlefield this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-11-08 with Social Science categories.
In Educating Public Interest Professionals and the Student Loan Debt Crisis, Robert Leslie Fisher examines the student loan debt crisis and its effects on America’s citizens and economies. Exploring the shortage of professionals in fields such as education, medicine, and law, Fisher analyzes the causes and effects of the student loan debt crisis in America and argues for higher wages, student loan debt forgiveness, and an updated financial model to pay for training for public interest professionals. Supported by economic research and a sociological background, Fisher proposes a path forward that will ease the student loan debt crisis and revitalize the economy.
The Neoliberal Agenda And The Student Debt Crisis In U S Higher Education
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Author : Nicholas D. Hartlep
language : en
Publisher: Routledge
Release Date : 2017-05-18
The Neoliberal Agenda And The Student Debt Crisis In U S Higher Education written by Nicholas D. Hartlep and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-05-18 with Education categories.
Capturing the voices of Americans living with student debt in the United States, this collection critiques the neoliberal interest-driven, debt-based system of U.S. higher education and offers alternatives to neoliberal capitalism and the corporatized university. Grounded in an understanding of the historical and political economic context, this book offers auto-ethnographic experiences of living in debt, and analyzes alternatives to the current system. Chapter authors address real questions such as, Do collegians overestimate the economic value of going to college? and How does the monetary system that student loans are part of operate? Pinpointing how developments in the political economy are accountable for students’ university experiences, this book provides an authoritative contribution to research in the fields of educational foundations and higher education policy and finance.
Burdened
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Author : Ryann Liebenthal
language : en
Publisher: Dey Street Books
Release Date : 2024-09-10
Burdened written by Ryann Liebenthal and has been published by Dey Street Books this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-09-10 with Business & Economics categories.
An urgent investigation of student debt in America revealing the corrupt systems, rotten policies, and bad actors that have created a $1.7 trillion crisis. College costs more today than ever and is worth less. Tuition at public colleges has more than tripled in the past 50 years. Over the same period student debt has grown from virtually nothing to more than $1.7 trillion, second only to home mortgages. Skyrocketing student-loan burdens are leading an entire generation to put off the traditional milestones of adulthood: buying homes, getting married, starting families, and saving for retirement. The burden weighs heavier on women and black Americans, and with almost 10 percent of student debtors now over the age of 60, it is a crisis no longer limited to the young. Ryann Liebenthal's Burdened tells the maddening story of how the power plays of legislators and presidents, the commodification of higher ed, and the rapacious practices of for-profit colleges and private lenders have created today's student-debt lava pit. As the notion of student-loan cancellation percolates into the political mainstream, Liebenthal offers a deeply researched, sweeping narrative of our broken system. Rather than give in to despair, she boldly charts a way out, offering hopeful solutions to this seemingly unfixable problem.
Special Report
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Author : Brian W Kelly
language : en
Publisher: Lets Go Publish!
Release Date : 2018-10-07
Special Report written by Brian W Kelly and has been published by Lets Go Publish! this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-10-07 with categories.
This book offers the only real solution to the $1.52 Trillion debt accumulation The President in simple terms netted out the student debt crisis from both a student and parent perspective: "They go, and they work, and they take loans, and they're borrowed up, and they can't breathe, and they get through college and the worst thing is, they go through that whole process and they don't have any job." Trump has it right, and worse than that, when the US system hurts them, our best and brightest lose hope. Many have excoriated the Obama Administration and government and coffee-breath professors who teach nothing, for making it worse for college graduates. They all make money on the student loan program. Trump says: "You know the one program that the U.S. makes a whole lot of money with is student loans, and that's maybe the one program they shouldn't be making money with... "So, we're going to have to start a program," he said. "We're going to do something very big with loans because you have to get these people going. They really feel down and out." Donald J. Trump is right. Yet he is the only president who has even talked about solving America's problem with rip-off loan sharks and a government that makes big money off the backs of student borrowers. Ironically, the man willing to help is hated by the very young Americans that he speaks about helping. College graduates and those former students not fortunate enough to complete their degrees need all the help they can get to claw their way out of huge college debt. Your author as a professor and as a father understands student debt. He feels the pain of America's indebted young adults. Kelly has intellectually analyzed the plight and the torment felt by today's millennials. Besides recommending a great solution and a do-again, this book also examines other ways to solve the problem including refinancing, extending, and providing better payment plans as well as getting universities to put some skin in the game. This book addresses the massive $1.52 Trillion student debt already on the books and it presents a boldly unique plan to assure that students with loans have a chance of success with a job in their field of study. Isn't it about time? This book tells you how it can be done. You won't be able to put this book down before you know what you can do to help those with student debt be able to afford homes and start families and live the life of real Americans and not indentured servants.
A Dream Defaulted
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Author : Jason N. Houle
language : en
Publisher: Harvard Education Press
Release Date : 2022-08-16
A Dream Defaulted written by Jason N. Houle and has been published by Harvard Education Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-08-16 with Education categories.
A Dream Defaulted explores how the student loan crisis disproportionately affects Black borrowers and why rising student debt is both a cause and consequence of social inequality in the United States. Jason N. Houle and Fenaba R. Addo offer a deft analysis of the growing financial crisis in education, examining its sources and its impacts. Based on more than five years of ongoing qualitative and quantitative research, this incisive work illustrates how the student loan system has not benefited all students equally. The authors tell the story of how first-generation college students, low-income students, and students of color are disadvantaged in two opposing phases of the process: debt accumulation and debt repayment. They further demonstrate that policies intended to mitigate financial burden and prevent default have failed to assist the people who most need help. Houle and Addo present these social and racial disparities within a broader context, tracing how centuries of institutionalized racism have contributed to social and economic inequities, perpetuating the racial wealth gap and leading to intergenerational inequality. Through interviews with borrowers, they illuminate the ways in which racial disparities affect who has college access, how and why people take on debt, and who has the ability to repay student loan debt after leaving college. Recognizing that the affordability crisis cannot be solved by higher education reform alone, Houle and Addo consider solutions. They argue that policy must extend beyond debt reduction and financial aid to address entrenched patterns of racial inequality and racial discrimination, both inside and outside institutions of higher education.
Student Loan Debt As A Wicked Problem
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Author : Nicholas D. Hartlep
language : en
Publisher: Dio Press Incorporated
Release Date : 2022-04-30
Student Loan Debt As A Wicked Problem written by Nicholas D. Hartlep and has been published by Dio Press Incorporated this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-04-30 with categories.
The majority of what gets written about student loan debt ties rapidly rising tuition to state disinvestment, cost disease, among other forces that are internal or external to the academy. The neoliberal regime of truth is that a college education is worth incurring student loan debt. Human capital is the motif. The financial "payoff" is seen as a logical reason to go to college and to "invest" in one's future. This book offers a counter-perspective. The editor of this volume places the debt crisis within a "Wicked Problem" framework to help explain why the student debt crisis in U.S. Higher Education doesn't seem to be getting better despite valiant attempts to do so. The complexity of higher education financing and policy is immense, and it is no coincidence that change is slow. The chapters in this book will point out that while the main culprit for why students continue to graduate with more and more student loan debt is not individual choice, but rather evidence of the neoliberal ecosystem of higher education, itself.
Game Of Loans
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Author : Beth Akers
language : en
Publisher: Princeton University Press
Release Date : 2018-05-29
Game Of Loans written by Beth Akers and has been published by Princeton University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-05-29 with Education categories.
Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.