The Student Loan Mess
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The Student Loan Mess
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Author : Joel Best
language : en
Publisher: Univ of California Press
Release Date : 2014-05-02
The Student Loan Mess written by Joel Best and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-05-02 with Social Science categories.
This illuminating investigation uncovers the full dimensions of the student loan disaster. A father and son team—one a best-selling sociologist, the other a former banker and current quantitative researcher—probes how we’ve reached the point at which student loan debt—now exceeding $1 trillion and predicted to reach $2 trillion by 2020—threatens to become the sequel to the mortgage meltdown. In spite of their good intentions, Americans have allowed concerns about deadbeat students, crushing debt, exploitative for-profit colleges, and changing attitudes about the purpose of college education to blind them to a growing crisis. With college costs climbing faster than the cost of living, how can access to higher education remain a central part of the American dream? With more than half of college students carrying an average debt of $27,000 at graduation, what are the prospects for young adults in the current economy? Examining how we’ve arrived at and how we might extricate ourselves from this grave social problem, The Student Loan Mess is a must-read for everyone concerned about the future of American education. Hard facts about the student loan crisis: • Student loan debt is rising by more than $100 billion every year. • Among recent college students who are supposed to be repaying their loans, more than a third are delinquent. • Because student loans cannot be discharged through bankruptcy, the federal government misleadingly treats student loan debt as a government asset. • Higher default rates, spiraling college costs, and proposals for more generous terms for student borrowers make it increasingly likely that student loan policies will eventually cost taxpayers hundreds of billions of dollars.
The Student Loan Mess
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Author : Joel Best
language : en
Publisher: Univ of California Press
Release Date : 2014-05-02
The Student Loan Mess written by Joel Best and has been published by Univ of California Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-05-02 with Social Science categories.
"Student loan debt in the U.S. now exceeds $1 trillion, more than the nation's credit-card debt. This timely book explains how and why student loans evolved, the concerns they've raised along the way, and how each policy designed to fix student loans winds up making things worse. The authors, a father and son team, provide an intergenerational, interdisciplinary approach to understanding how, over the last 70 years, Americans incrementally, with the best intentions, created our current student loan disaster. They examine the competing interests and shifting societal expectations that contributed to the problem, and offer recommendations for confronting the larger problem of college costs and student borrowing in the future"--
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 : 2016-09-20
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 2016-09-20 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.
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
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Author : William Elliott III
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2017-01-26
Student Debt 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 2017-01-26 with Education categories.
Offering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the process—from the banks that issue the loans to the colleges and universities that collect the payments. Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed? The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explains what is contributing to the rising rate of borrowers defaulting on their loans; and predicts whether the so-called student loan bubble is in danger of popping. The Data and Documents chapter analyzes data gathered from discussions about student debt. This information enables readers to better understand who is borrowing student loans, what the money from the student loans is going toward, what individuals have the authority to decide who qualifies for these loans, and what is being done to curb wasteful student spending.
The Student Loan Scam
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Author : Alan Collinge
language : en
Publisher: Beacon Press
Release Date : 2009
The Student Loan Scam written by Alan Collinge and has been published by Beacon Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Business & Economics categories.
In this in-depth exploration and expos of the predatory nature of the student loan industry, Collinge argues that student loans have become the most uncompetitive and oppressive type of debt in American history. In this clarion call for social action, the author offers pragmatic solutions.
Bait And Switch
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Author : Robert H. Scott, III
language : en
Publisher: Springer Nature
Release Date : 2023-11-08
Bait And Switch written by Robert H. Scott, III and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-11-08 with Business & Economics categories.
This book traces how the student loan system has created insurmountable student debt traps for millions of student borrowers contrary to its original purpose of promoting social mobility. Today, approximately 45 million Americans hold over $1.7 trillion in student loan debt, with over 20% of borrowers in default. Student loan debt has the greatest negative impact of wealth-poor students, with Black and first-generation students less likely to attain a college degree, more likely to default on student loan debt, and less likely to gain the same type of wage premium from their college degrees than white student loan borrowers. The book also offers a wide range of policy solutions for remedying the student loan debt crisis.
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.