The Student Debt Dilemma
Title | The Student Debt Dilemma PDF eBook |
Author | Pamela Burdman |
Publisher | |
Pages | 26 |
Release | 2005 |
Genre | |
ISBN |
Though the rise in college student debt often has been blamed on rising tuition, a radical shift in student financial aid--from a system relying primarily on need-based grants to one dominated by loans--has been equally important. Numerous reports have highlighted the burdens faced by students who borrow large sums, but less is known about students who are averse to borrowing. For these students, the increasing prominence of loans could actually narrow their options and decrease their chances of attending and completing college. Given the increasingly important role of student loans in financial aid packages, perceptions about debt influence the ability of loan programs to achieve their goal of equalizing opportunity for students at all income levels. Based on interviews with students, counselors, outreach professionals, and financial aid directors, as well as a review of relevant research, this discussion paper offers an initial gauge of the debt dilemma and recommends four broad strategies: (1) making more grant money available for low-income and first-generation students, (2) making loan programs more attractive and efficient through income-based repayment strategies, (3) better integrating financial aid awareness into high school counseling, and (4) providing more pathways for students who prefer to attend part-time. Loans are likely to remain a mainstay of federal financial aid programs, so as interest rates begin to rise for the first time in years, foreshadowing higher future payments, the problems faced by students who borrow as well as the barriers confronted by those who are averse to borrowing are only liable to increase. (Contains 29 endnotes.).
Student Debt Dilemma
Title | Student Debt Dilemma PDF eBook |
Author | Amber Nicole Conway |
Publisher | |
Pages | 250 |
Release | 2020 |
Genre | College graduates |
ISBN |
This study proposed to investigate the financial aid literacy of college students and if differences existed between specific groups. The research examined a causal comparison between students who attended a convocation and who did not, Pell awarded student status, and first-generation college student status. The participants included 58 students from the convocation and through a private social media group. The findings revealed statistical significances between students participating in the convocation versus those who did not attend and first-generation college students versus non first-generation in their financial aid literacy. The quantitative and qualitative data showed the necessity and impact of students receiving adequate financial aid information to make prudent educational cost decisions.
Student Debt
Title | Student Debt PDF eBook |
Author | Avery Elizabeth Hurt |
Publisher | Greenhaven Publishing LLC |
Pages | 128 |
Release | 2019-12-15 |
Genre | Young Adult Nonfiction |
ISBN | 1534506241 |
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.
Bankers in the Ivory Tower
Title | Bankers in the Ivory Tower PDF eBook |
Author | Charlie Eaton |
Publisher | University of Chicago Press |
Pages | 216 |
Release | 2022-02-25 |
Genre | Education |
ISBN | 022672042X |
Universities and the social circuitry of finance -- Our new financial oligarchy -- Bankers to the rescue : the political turn to student debt -- The top : how universities became hedge funds -- The bottom : a Wall Street takeover of for-profit colleges -- The middle : a hidden squeeze on public universities -- Reimagining (higher education) finance from below -- Methodological appendix : a comparative, qualitative, and quantitative study of elites.
The College Dilemma
Title | The College Dilemma PDF eBook |
Author | Brooks R. Fiesinger |
Publisher | Independently Published |
Pages | 238 |
Release | 2019-01-18 |
Genre | Education |
ISBN | 9781792974366 |
The state of America's college education is challenging the preconceived notions of parents and students alike. College costs continue to rise, while the traditional job market continues to dissolve, making the "Student Loan Crisis" a national epidemic. Complex loans are being taken by students who don't understand the ramifications of the debt. Lower than expected salaries with misunderstood employment trends challenge the traditionally perceived value of the college education. Cheating and fraud are growing rampant inside the classrooms, while the traditional top tier college professors are being eliminated. This has created The College Dilemma. But this new world simply has new rules, and young adults can still see the success of their dreams. The College Dilemma doesn't just expose the problems-- it teaches young adults and parents how to succeed in this changing collegiate and employment environment.
The Student Loan Mess
Title | The Student Loan Mess PDF eBook |
Author | Joel Best |
Publisher | Univ of California Press |
Pages | 246 |
Release | 2014-05-02 |
Genre | Education |
ISBN | 0520276450 |
"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"--
Indebted
Title | Indebted PDF eBook |
Author | Caitlin Zaloom |
Publisher | Princeton University Press |
Pages | 286 |
Release | 2021-05-04 |
Genre | Business & Economics |
ISBN | 069121722X |
"'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon