Improving Affordability Through Curbing Cost Increases

Improving Affordability Through Curbing Cost Increases
institutions rarely think of approaches toward this goal. According to the report published by
Lumina Foundation, Putting Colleges on Notice: Crafting Smarter Strategies to Improve
Affordability through Curbing Cost Increases, college leaders are "either failing to pay attention,
failing to prioritize, or failing to act on the affordability issue" (Fryar and Carlson, 2014, p.3).
Current efforts to improve affordability are halted by the insufficient attention and the "lack of
knowledge, evidence, and thoughtful strategy regarding the role of institutional leaders" (p.3). In a
2008 survey, the Iron Triangle: College Presidents Talk About Costs, Access and Quality, a report
from the National Center for Public Policy and Higher Education and ... Show more content on
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Institutional leaders, as the entrepreneur for organization culture and value, their perception of the
conflict between cost and quality, and the quality first mindset will shape the organization culture
and influence institution's efforts toward affordability.
As discussed by Fryar (2014), if leaders perceive efforts to improve affordability as threats to the
quality of their institution, efforts toward promoting affordability will be halted. Furthermore,
prioritizing quality let college leaders seek for more stable and dependable financial sources. Tuition
and fees, as one of the controllable and dependable source, will be the first choice for institution to
maintain quality and avoid risk (Fryar, 2014). The dominant ideology that links price with quality in
higher education institutions, or in other words, quality is maintained on the base of accumulation of
tangible resources and the higher the price is, the better the education will be, is the root problem for
the ineffective institutional affordability movements.
Reducing Student Debt Burden Higher debt burden for students may increase their probability to
default on the loans, and high cohort default rates can negatively reflect on institution quality;
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College Bubble
Amanda Perras
Instructor David Long
Eng 090–404
29 September, 2012
The College Bubble:
The Combination Of Economic Downturn And Raising Of Tuition Rates Since we were young, we
've been told that with hard work and determination in high school we would one day make it to
college. Once there, if we succeeded with graduating, we 'd get a degree which would lead to a well
paying career that would allow us to invest in our future. With college debt now leading in the
nation 's debt with the growing amount of 830 million dollars, we are stuck asking. Why is the
college–loan system failing? The College Bubble was a term used to explain the effect of the nation
's current financial crisis and college tuition constantly on the rise. ... Show more content on
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The cost of college books has tripled in the last 10 years, costing an average of $200 dollars (NIA).
College 's will publish their own books, require students to buy them, then update or revise them
every year to make the book obsolete causing students to have to by new one 's every year and
making the resale of them, nonexistent! College 's will work with publishers and recieve kick backs
for using books they publish. Adminstation for college also feel the advantage of higher tuition
rates. The president of Yale salary has tripled from $591,709 in 2000, to 1.63 million in 2009.(5)
With the average cost of graduating at a 4 year college at $27,293 a year, it is easy to see who is
truly profitting from an attending and/or graduated student. Colleges are captializing of students in a
poor economy and once out of college, their is no guarentee employment will be waiting. In 2008,
American 's lost over 10.4 trillion dollars in the financial crisis. Between 2008–2010 over 8.3
millions of jobs were lost. The government tried bailing out the country with a 4.6 trillion dollars
and was only able to recover 1.1 million jobs, .9% percent of jobs. That is 4 million dollars in cost
for each job recovered (NIA). Boyce Watkins, a finance professor at Syracuse University is quoted
saying, "[College] is certainly an investment. The question is whether or not you get your return on
that investment in actual financial capital... [and] this blanket

Graduation Speech : High School
Every year the percentage of high school graduates going to college after high school rises. But as
the number of students increases, so does college tuition. In 2013–14 there was a 9% rise in CSU
tuition with the average rise being 7% a year. As College prices rise, more student loans are
withdrawn to help pay for increased tuition. Student debt isn't like credit card debt or medical bills
or a mortgage, where if you declare bankruptcy all your debt will be forgiven. Student loans stick
with you until they are payed off in full plus interest. As a high school student who hopes to go to
college in 2–3 years, I don't know if I am really ready to assume thousands of dollars in student
loans. So although colleges have had to raise prices due ... Show more content on Helpwriting.net ...
(Quick Facts about Student Debt, 1). Because more and more students have enrolled in college, they
have had to raise prices in order to pay for more administrators, professors and to build more
facility's like apartments, parking garages, and classrooms. The National Student loan debt is
currently at 1.3 trillion dollars.
Because of the high tuition rates which cause the younger generation to already have a crushing
amount of debt by the time they step out on their own in the world, this debt on the younger
generations is bankrupting the American dream. As I am sure you already know, the American
dream is the set of ideals in the US that give US citizens the opportunity for success and prosperity
and an upward social mobility for family and children achieved through hard work. But how would
student loans be "bankrupting" the foundation that this country is built on? Because of student loans,
and how they have to be paid off, younger generations would put off buying a home, or they would
delay starting a family until they got the money to pay off a mortgage every month, or pay for all the
cost that come with having a family. They would cut back on spending money on things like going
out to eat at a fancy restaurant, or going to the spa, which means that less money is put into the
system which means a poorer economy and people could start losing their jobs because people are
not buying their

Graduation Speech : College Loan Debt
With college loan debt steadily increasing in the U.S each year, many of college students and
graduates are forced into a corner. Many students cannot afford college so they take out loans due to
the increasingly competitive job market. By the time most students graduate they are in massive
debt. The class of 2015 graduated with an average debt of $35,000 (Bennett & Wilezol 76).
Cumulative student loan debt within the country now stands at 1.2 trillion. It is now the largest non–
mortgage type of borrowing. College graduates average paying off student loans anywhere from 15
to 18 years. While the recent graduate struggles to make each student loan repayment spread out
throughout the years interest only builds into something much larger each year into something
inevitable. Student debt cannot be erased nor forgiven. As tuition rates on the rise, borrowers will
have a tough time repaying their student loans after leaving school. 8.5% of graduates struggle to
find jobs suited for their degrees after leaving college. Many graduates end up stuck with jobs that
leave them gasping for breath while they try to repay their loans back that only continue to build
interest. This debt does not only harm the student but, the U.S economy as well. As students
continue their education, they are faced with the hardships of increased loan borrowing due to the
competitive job market that requires degrees for the majority of jobs, prestigious colleges with
expensive tuitions, and a lack of

Finance of Higher Education in the 21st Century
Running Head: Finance Higher Education 21st Century ABSTRACT 1 Introduction The value of
higher education has never been more imperative than it has become now in 21st century. Purpose
of the study is to establish the relationship between growing educational opportunities and the need
for financial back up. The development in higher education has become a very critical issue of the
era as to the fiscal support. There should be less expenditure and more opportunities available for
the support of higher professional education. The evidence has been incorporated that addresses the
question about 'finance of higher education in the 21st century', furnishing the hypothesis for
proposing how much important the issue of finance in the development of higher education is in
expanding the educational opportunities, and identifying the future research needs as to this theme
(Dominic J. Brewer, 2001). Methodology Primary data have been collected using the interview
questionnaire. A sample of the students has been interviewed and the results were judgmentally
related to the whole population. Secondary data from already available sources has also been taken
in account. Data so collected has been processed analyzed through non–statistical judgment for any
omissions, legibility and consistency. Hypothesis has been formulated that there is significant need
to increase the finance for the higher education to meet the ever increasing challenges of the 21st
century. Maximizing revenues

The Ministry Of Education : Finance And State Incorporated...
Project Background The Ministry of Education gives finance preparing administrations to around
110,000 educators and bolster staff utilized in state and state–incorporated schools in New Zealand.
In 2003, Cabinet consented to the Ministry 's proposition to update its maturing finance framework.
Taking after a broadened time of advancement, the substitution framework, Novopay, went live on
20 August 2012. At the point when the first pay round kept running on 5 September 2012, around
5,000 staff were coming up short on and 15 individuals were not paid by any means. From that point
forward, there have been progressing issues with accomplishing exact finance installments through
Novopay. While the larger parts of staff have gotten the appropriate measure of pay at the perfect
time, a critical minority have not. Instantly taking after its operational dispatch issues were
experienced. Some school workers reported accepting inaccurate installments while others were
paid nothing by any means. Those issues kept on developing and the issues got to be feature news in
New Zealand as influenced representatives attempted to keep up their own accounts, even with the
income issues the frameworks disappointments were brought on. Named the Novopay disaster, at
one point influenced staff had reported more than 18,000 finance slips and the operational staff
supporting the framework seem overpowered by the measure of manual mediation expected to
redress those blunders. The steady installment

College Expenses : The True Nightmare
College Expenses: The True Nightmare
As a child, the road to adulthood seems like a beautiful dream. They could not wait to be adults and
earn the pride and respect they rightfully deserved as children. As we grew older, we became more
frightful of being adult. There was no joy to having to pay taxes. We couldn't find happiness in our
debts. Growing up meant having an education forced onto them, but after the mandatory years were
done, we had to pay for an education society deemed as necessary. Finances are a huge part in our
college life and any life afterwards, which is why learning about and applying for financial aid,
understanding financial stress and its consequences, and how to manage your finances will lead you
into a more successful life overall. Before one can attend a college, one must pay for a tuition.
Depending on your choice of college, it may run from $12,600–$35,000 per year on average (Wei
3). There are many personal reasons to why student debt has gone up, but the cost of college has
also risen. For many public and private institutions, the costs of education have increased
exponentially, while incomes and government aid continues to struggle to keep pace ("Money
Matters" 5). This is because state funding has declined from almost 60% of college revenue in the
late 1980s to slightly below 40% today (Department of Treasury with the Department of Education
4). The breakdown of college's total income is: tuition 40%, federal government 12%, state

Christian University Tuition
Texas Christian University is a private institution located in one of the nation's largest metroplexes.
Like many other privately funded universities, it has succumbed to one of the most concerning
issues for millennials and their parents today: increasing tuition annually leading to the overall
problem of student debt sweeping the country. Since 2010, tuition has increased by $12,580 for
TCU students, creating an increasingly large burden for students who value a small–knit community
at a university where professors know your name and you have a personal identity and not just an ID
number. It's important for Chancellor Boschini and the TCU Office of Finance and Administration to
hear the worries of students and their parents, and to consider ... Show more content on
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Tuition rose by 4.8 percent, increasing it from $40,680 to $42,580 per year without room and board
(Watson). This tuition increase may seem like a small amount in the grand scheme of things;
however, for many students that is monstrous jump in price. For many students, that rise in tuition
may be the deciding factor between returning to TCU or transferring to a university with a smaller
impact on their wallets. While the tuition increase is a turnoff for current students at TCU, it has not
proven to affect retention rate, which is 91 percent. (TCU Financial Aid). Although TCU has a good
retention rate, it is coming from a specific group of people, with 77 percent of our student body
being white and from the upper–middle class who are able to afford the tuition of a private
university. This has a negative effect on the diversity at TCU, culturally and racially, which could be
considered a turnoff to some potential students. We also have a large amount of students choosing to
transfer in as juniors to and pay for two years instead of four. What TCU should be most worried
about is the effect a varying tuition may have on a prospective student, rather than the current
students. Chancellor Boschini and the people working at the Financial Aid office have the power to
fix the issue regarding tuition and to make TCU students and their families happier with their
choice. If they listen and start the ball rolling, then other departments, such a Fraternity Life or
Student Government can reevaluate the financial burden they put on students as

Eliminating Tuition Essay
In today' society, in order to be successful people is told that they must go to post– secondary and
get a degree. With the average tuition cost for a four year undergraduate is $5,959 (statistics
Canada,2014), for the 2014 to 2015 school year, most people cannot afford to pay that tuition out of
pocket. The Canadian and Province governments offer student loans for students but that puts them
heavily into debt. The average student debt is between $24,000 and $27,000 (Sagan, 2014, 5). The
best way to help students get a good education, so that they can go far in life is to eliminate tuition
costs at post–secondary intuitions. Eliminating tuition cost would be very beneficial to students, but
there are many different ways of eliminating tuition, in Ontario they are using the grant system,
France and Germany also used a different way of eliminating tuition. Eliminating tuition though the
grant system greatly ... Show more content on Helpwriting.net ...
By using the grant system there is less impact on tax payers. If we were to use a system like
Germany were the government funded the universities that would put a huge burden on tax payers.
The money would have to come from tax payers or the money would have to come from somewhere
else in our budget. This would mean that some other department would suffer like healthcare or
another government agency. The government already has money set aside in the yearly budget for
student loans if we used the grant system the money is already there. It does not cost Canada any
extra money. Because of trying to implement capped tuition fees, some students might not have to
take a grant or they might not have to take a full grant. If not all students had to take a grant or they
did not need a full grant this would mean that there would be more grant money for other students. I
think this is the best system for eliminating tuition

Personal Finance In Education
"The United States are ranked well behind Chinese and Australian students in financial literacy, and
new research shows over sixty percent of American teens don't know how to approach basic
financial problems" (Shepard). There are many beneficial reasons why personal finance should be
required in high school a few of which are: young adults are lacking the basics, there isn't any
personal finance being taught in the classroom, it's a part of our everyday life, and Americas debt
lies in our future. The lack of personal finance being taught in the classroom is a major concern in
the United States. One of the most critical reasons why personal finance should be taught in the
classroom is because young adults are illiterate about personal finance. ... Show more content on
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Students are asked simple personal finance questions, yet most are uneducated about what the right
answers are to those questions. Knowing about personal finance before adulthood can help future
generations not repeat the same mistakes as past generations. People who don't have a basic
knowledge about financial literacy tend to not plan for retirement, and are more likely to borrow
money with high interests rates not knowing how much it will cost them (Shepard). Learning to
create a budget, saving money, and using a credit card with understanding the fees and the interest
rate are basic concepts but are usually misunderstood until later in life. Personal finance questions
come up in adults life's everyday, however some adults can find these questions to be very difficult.
By educating young adults with every day life situations about personal finance knowledge before
adulthood can eliminate poor financial decisions later in

Increasing Tuition Rates Cause Students
Increasing tuition rates cause students to borrow more money which will impact their financial
future should they have difficulty obtain a job in their chosen career field. Tutition costs began their
rise in 1970s but it wasn't until the 1980s that government funding began to decline and the tuition
rates began their steady climb regularly outstripping the median family income. (Ehrenberg) The
average cost of tuition at a four year pubic institution increased from to $2,387 per year in 1975–
1976 to $9,410 in 2015–2016. (Average Annual Percentage Increases in Inflation–Adjusted
Published Prices by Decade) TABLE 2A. Average Tuition and Fees and Room and Board in 2015
Dollars, 1975–76 to 2015–16, Selected Years Tuition and Fees in 2015 ... Show more content on
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This table was prepared in October 2015. While tuition costs continue to rise, the median income
remain steady. (US Census Bureau, "Regions of People by Median Income and Sex: 1953 to 2012)
What does this mean? It means that while costs associated with college tuition continue to rise, the
average medium income remains the same which places ever increasing costs of obtaining a higher
education on the on the student. Given that the median annual income for men is $33,903* and the
average cost of tuition at four year public college is $8,816*; average tuition would equate to 26%
of the student's annual income. The cost of average tuition of a women's median income is 41% /
annual income, $21,520. The rapidly rising tuition costs cause parents and students to borrow the
funds to cover the shortfall. (Average Annual Percentage Increases in Inflation–Adjusted Published
Prices by Decade) *1971–2012 data set The current median income in the United States per data
from the U.S. Census Bureau is $53,657. (US Census Bureau, "Regions of People by Median
Income and Sex: 1953 to 2012) According to an article from the Economic Policy Institute, an
average family of four would with a basic standard of living, would need to earn $48,778 to make
ends meet. Items budgeted included housing, food, child care, transportation, health care, other
necessitates (clothing, personal care products and services, reading materials, educational materials,
and other

College Tuition : Is No Worth Paying For College?
College Tuition Intuition Nobody enjoys paying for college. No one thinks about college and gets
excited about all the money they might spend, but now people are actually thinking of ways to fix
that. Currently colleges are very expensive, especially private colleges. However, with the current
presidential election going on, the possibility of free public college is being brought up. This
concept would be greatly beneficial to today's youth and help them graduate college debt free. Each
year, college tuitions increase exponentially. This has raised many concerns as to exactly how
people will manage to pay for their education. Unfortunately, there haven't been many solutions
brought up about how future college students could potentially graduate without loans or debt. All of
the ideas proposed to solve this issue include some form of increased taxes, but would college really
be considered free if people still have to pay for it through taxes? Whether college is paid for
directly or paid for through government taxes, money is still being lost. Right now, taxes could only
cover public college tuition. What if someone decides to go to a private college? That person would
not only have to pay the tuition for a private college, but they would already be paying the tuition
for a public college through taxes, a public college that that person doesn't even plan on attending.
No one wants to pay for one college tuition, let alone two, which is why college tuition shouldn't be
made

Hall 1. All Over America, Undergraduate And Postgraduate
Hall 1
All over America, undergraduate and postgraduate students are feeling the pressure of student loans
and their debts. A student loan is a type of loan designed to help students pay for post–secondary
education and the associated fees, such as tuition, books and supplies, and living expenses (Mitchell
15). While it may sound like an inviting way to pay for college, it comes with its downfalls. Rapidly
rising college tuition costs have made student debt the only option to pay for college for many
students (Kristof). Student loans are increasing $3,055 every second (Kristof). The average student
in America graduates with $35,000 in student loans (Akers 18). In fact, student loans have become
so popular, all together students have ... Show more content on Helpwriting.net ...
It would be like letting someone buy a house, but not giving them the key to get in. The students
may have the GPA to get in and the extracurriculars, but the thing stopping them is money. Private
colleges are twenty seven percent more likely to take part in gapping than public colleges. Private
colleges are a lot more expensive and so they need to bait their aspiring students by allowing them
to be accepted, but not allowing them to actually go because they cannot afford it. At the end of the
day, colleges need to face the problem head on instead of creating new way to go around the issue of
tuition and those who cannot afford it. Today, there are many grants and extra loans one can either
win or apply for, including the Pell Grant. A Pell Grant is a subsidy the United States Federal
Government provides for students who need it to pay for college. They are limited to students with
financial need, who have not earned their first bachelor's degree. The Pell Grant program gives out
around $34.3 billion per year. These grants help many of those who are struggling with gapping or
just with financial aid alone get pay for their education. These loans increase everybody else's
tuition by fifty cents on the dollar. In some cases loans are not only putting those who use them in
financial distress, but also those people who pay tuition. The Upper Class of the United States is still
included in receiving loans, even though many of

The Causes Of High Student Debt
The Causes of High Student Debt
Today, in our society there is high expectation for students to go higher education after finishing
high school. Since College tuition is going skyrocket a lot of students are having hard time paying
for their tuitions. Most students, to pay for their college tuition, they have to apply for loans that put
them in dept after they graduate According to recent report by Fay, "72% of the Class of 2017
graduates owes an average of more than $37,000 for the four years they put in earning a degree"
(Fay). These graduates have only "six–month grace period before the first loan payment is due and
for most of them; this is not the way they expected to start their adult life" (Fay). After graduation
this debt can be overwhelming to pay off. It isn't fair, but that's what it's like to be a student these
days. It is very important to know the factors that led to increase student loans. That helps students
and their families to educate themselves and to manage the loans.
The number one cause for students to get into too much debt is the high increase in college tuition
cost every year. According to Best, College costs are climbing faster than the cost of living, with
more than half of college students carrying an average debt of $27,000 at graduation (Best I &II).
Students tend to be overburdened with debt when they graduate. Some go on to pursue advanced
degrees; on the way, they end up with more debt because the career these students are hoping for is

Is College Really Free Essay
Is anything in life really free? If college is free, what is the point of trying to work hard and to try to
go above beyond? "Free tuition colleges could make college seem less important" (Lobosco). It
would make it seem less important because if a student fail one year the student will not have to pay
for the next year or the year after that. The students could just keep failing. The reasons behind why
college tuition should not be free is because of how taxes would be raised, how it would still not be
completely free, and how scholarships can help make it free. First of all, it is not actually free
someone has to pay for it. If there were did have free tuition colleges, the state and federal
government would have to make a few changes. The changes could include raising taxes, decreasing
military budget, closing tax loopholes, increasing taxes more for the wealthy, new taxes on
speculative Wall Street transactions, and diverting student financial aid to tuition free colleges
(Should College Be Free? Pros, Cons, and Alternatives). It would affect the taxpayers of America
the most, because they would have to be ... Show more content on Helpwriting.net ...
"Even if it would help to get rid of the shackles of student debt, having free tuition colleges would
deprive the students of things like learning how to balance their finances, which can lead to big
problems in the future" (Suvannasankha). Having free tuition colleges could affect America in many
ways, some good and some bad. One good thing that free college tuition would do for America is
that it would bring a new skillful and better–educated workforce (Should College Be Free? Pros,
Cons, and Alternatives). Even though having free college tuition would help America would having
free college tuition be the best idea depending on the fact that nothing is really free, everything
comes at a

Should College Students Drop Out Of College
When I was five years old, the fifty–cents that my mother would give me to purchase a handful of
sugary goodness from the gumball machines seemed like winning the jackpot. As I grew and
became fascinated with toys at age eight, ten dollars could purchase me a small toy from the toy
store. In my teen years 30 dollars were put into my pocket and just as fast taken out on weekend
trips. As I approach college, the value of a hundred dollars in the face of college tuition, seems as
meager as the gumballs I chewed as a child. Our dependency on money has substantially increased
the value and importance of keeping track of when, where, and how every penny is spent.
Most students tend to head into college with the single mindset of , 'worry about now ... Show more
content on Helpwriting.net ...
This is where many students also lose the battle of monetary stability, by lacking knowledge.
Becoming informed of any specific rules will help me avoid redirecting my money into different
places. Knowing the interest rate of any loans can help me avoid using my scholarships to pay for
these increasing debts that turn from aid to harmful. Secondly students must become informed of
any deadlines or rules to scholarship. Most scholarships require students to maintain a certain GPA,
that if not meet could result in termination of the fund. Other dictate certain time limits for the
money to be spent, such as spending a thousand dollars within the students freshmen year of college.
A detailed plan created through knowledge will allow any student to control any scholarships,
financial aid, student loans, or other fund to pay for college. Students should strive to maximize the
utility and result of their college funds by remaining organized, aware, and conscious of their
spending to avoid over consuming their

WPU Scholarships
WPU Scholarships and Awards
All first–year and transfer student who applies and is accepted for admission at William Peace
University will be considered for merit–based scholarships. These scholarships are renewable
through a four–year period, provided that the student maintains a designated minimum grade point
average.
Qualified students are awarded renewable Merit Scholarships of up to $17,000 every year.
Scholarships are awarded based on weighted cumulative grade point average and the highest
combined critical reading and math SAT/ACT scores.
William Peace University Presidential Scholarship
The William Peace University Presidential Scholarships are awarded to qualified students who have
earned exceptional academic records. These students should also possess exemplary characteristics
of leadership ability and/or special talents that would enable them to make significant contributions
to campus life. These ... Show more content on Helpwriting.net ...
New students must meet all WPU admission requirements and be in the top 1/3 of their high school
class. Priority will be given to students who demonstrate financial need. The scholarship is
renewable for all three years provided the student maintains a "C" average (2.00) and maintains
good social standing at WPU. The scholarship is available to both in and out–of–state students, with
preference given to North Carolina residents.
Honors Scholarship
Students accepted into this program can be awarded the Honors Scholarship. Current students may
petition to join the Honors Program with a cumulative GPA of 3.7 or higher after 15 credit hours.
These scholarships are renewable for an additional three years of study at William Peace University,
provided recipients remain in the Honors Program and maintain a "B" average (3.00).
Phi Theta Kappa Honor

College And An Arts Degree
While a substantial amount of students see the opportunity to make a fair living from earning a
college degree, there are students who look to pursue their passions. Many instances people view
college as a gateway into the middle class if they aren't of the wealthy already. So they venture out
to study as an engineer, doctor, lawyer, or ect, in hopes of making over $100,000 or as close to this
as possible. However when arts students take on college the expectation to get paid high wages like
that is unlikely. Bring up the question is college and an arts degree really worth it? The worth of an
arts degree is not always worth the expense of college because of possible student loan debt, salary
makeup gain and jobs for artists sometimes require bachelor 's degrees. Student loan debt has been
an increasing problem in our country for years now, leaving people for truly living in peace and
being a reason why people choose not to go to college. In 2014 student loan debt rose to 1.2 Trillion
dollars of debt. This can cause a problem with artists because the most an artist will make is close to
$50,000 a year. Excessive amounts of tuition can be very discouraging on the pursuit for a life you
want to live. The amounts of debt people go through is completely out of this world. This next
example is only an example to see what the extremes of debt would be like. According to Jason C.
White who has a Ph.D in Arts management from Ohio State University has stated that in between
the years

Student Finance In College Essay
Applying to university and mapping out your future are both learning experiences themselves, and
this all happens before your first day at term as an undergraduate! However, most students forget
about the amount of information that they need to learn about student finance and the student loans
company – for example, how you 're going to pay for your course fees, accommodation, textbooks
and live during your time studying. Although we all wish that these funds somehow appeared into
our bank accounts, with no questions asked and a smiley face – that isn 't going to happen. This is all
that you need to know about student finance, and why it is important to learn them in advance of
applying. Firstly, what is student finance? Student finance, part of the student loans company, is a
loan system, in connection with the government that helps students (no matter how old they are,
from the age of 18 and up to 60) with their fees. This financial support is different from standard
loans, grants or scholarships. Student finance initially pays your tuition fees – the amount it costs to
solely be allowed on the course at your institution, and at the moment they can be as high as £9,000
a year. Any student above the age of 18, who is studying at a higher education institution or course,
is able to apply for student finance to pay their course fees for them, and then pay back the loan later
on after the course has finished. This type of loan is extremely helpful as most students aren 't able

Education Is The Most Important Part Of Every Human
Today, Education is the most important part of every human being in this world. But, how can a
developed country like the United States consider education as a privilege rather than a need. Today,
America is suffering from lack of workforce and education crisis. America's economy is collapsing
and it is losing to countries like china, Brazil, Russia, etc. because Americans are deprived of
education because of high college costs. High school graduates in America want to attend college
but when they attend college, either they drop out of college or they graduate but end up paying
money for student debt and loans throughout their life. According to Vermont senator Bernie
sanders, today Americans have a burden of 1.3 trillion dollars in debts and loans. This amount is
much greater than the amount of credit card. Because of lack of education, there is a huge income
gap between the wealthier and poor. America is called, "Land of the Free and Home of the Brave",
But how can a country be the home of the brave if its people are not educated. To make America
better and stronger, education should be free for every U.S. citizen and so the public universities and
colleges should be free. A free education would enable every American to achieve the American
Dream. It would fill the income gap between poor and rich and would boost the economy of the
nation. For a better understanding, we must look at the cost of tuition of public universities in
America. In the past decade, the cost

The Government Should Help Students Pay For College Essay
Being able to attend and graduate college is a dream and the next step in life for many students.
However, going to college and finishing school are two completely different things. There has been
a decrease in students who completed college. Researchers are wondering, what is causing students
to not finish schooling? There are many reasons and questions to why it could be affecting the
completion of college rates. One of the main issue is the skyrocketing cost of college tuitions.
Majority of students are having stress and anxiety for not being able to afford college. This result in
having to take out a student loan and having to pay thousands of dollars after they graduate. The last
thing students want for their future is having to work ... Show more content on Helpwriting.net ...
Researchers found that with all these expenses, colleges are not spending roughly the same amount
of money resulting in the rise of tuition cost. For example at public research Universities, spending
increased close to three thousand dollars per full–time students (Matthew, 2013).
The second reason that Matthew mentions is that the state government are cutting funds from
education. He states that "the issue is that the schoolʻs are getting money they used to get from the
government from students..." Schools are having to find different ways to bring money in such as
fundraisers and donations. However, one of the main ways is that colleges have no choice but to
increase tuition to provide funds for current spendings. Also, according to this article, Matthew
explains how his mom graduated from University of Hawaii at Manoa in 1975 and during that time,
tuition cost was around 322 dollars. She graduated with no debt and was able to pay for her tuition
by working a part–time job. However, in today's society it is completely different because working a
part–time job will not be able to pay these high tuition cost. Students are constantly working to pay
for schooling and other expenses which affects their school performances. Many students end up
dropping out of college because they are not able to handle the stress and pressure of working and
keeping up with school. This proves that students are

Should College Tuition Be Lowered Significantly?
You got the letter in your hand. The envelope holds your future. Months of SAT and ACT classes,
years of working for that perfect GPA. It all comes down to that one letter, now clutched in your
hand. You open it and the first word pops out to you, "Congratulations". You are finally in college,
and that summer you can finally sit back and relax. The bliss ends abruptly though once you start
realizing how much college will cost. According to a CBS Money Watch poll, only 0.3% of
incoming freshman will get a full–ride scholarship. If you're the other 99.7%, then college will cost
you, which will result in considerable debt. While some argue that college debt is worth it, others
argue that this debt is crippling. College tuition should be lowered significantly because it places
students under overwhelming amounts of debt. Why should college tuition even get considered to be
lowered? Washington Center for Equitable Growth found that "Student debt nearly quadrupled over
the past 15 years" (WCEG). That sort of intake of debt is not healthy for an economy. In an
economy, the higher debt that people have than the higher risk of a mass default. A mass default in a
sector the size of 1.1 trillion dollars would be a massive recession, and an overall mass default could
have the consequences of crippling the banking system. Banks also deal out loans in other sectors
such as housing and auto. Mass bankruptcies would harm the entire system. Mezza and Sommer,
Federal Reserve Board of

The Tuition Increase Affected Enrollment Rate
Table of Contents
Introduction 3
Background 4
Analysis 5
Factors 6
Recommendation 7
Conclusion 8
References 9
Introduction
In 2000, the Board of Ursinus College, raised its tuition from $19,331 to $23,460. This turned out to
be a 17.6% increase. Surprisingly, the tuition increase proved to be a positive change for Ursinus
College. The college received more than 200 applicants than its previous year (Brickley, Smith and
Zimmerman, 2009, p. 110). Other regional institutions such as University of Notre Dame, Bryn
Mawr College and Rice University also experienced a similar trend once they increased their tuition
rates (Brickley, Smith and Zimmerman, 2009, p. 110). The president of Ursinus College deduced
that the tuition increase affected enrollment rate (increased enrollment). She simply stated that
"people don't want cheap" (Brickley, Smith and Zimmerman, 2009, p. 110). Today, Susan Hansen,
Admissions Director of East Liberal Arts College, wishes to increase tuition and reduce financial aid
available to students (Brickley, Smith and Zimmerman, 2009, p. 110). Moreover, she has expressed
that "increasing tuition and reducing the amount of financial aid will solve the schools financial
problems" (Brickley, Smith and Zimmerman, 2009, p. 110). This will be done by "increasing an
effective tuition from $15,000 to $25,000" (Brickley et al., 2009). She also projects that the tuition
increase enrollment from 400 to 600 students (Brickley, Smith and Zimmerman,

Assignment 3: Interest Groups
Grace Do GOVT – 2305 – 73432 Sherry Sharifian 5 April 2017 Assignment three:
Interest Groups There are thousands of interest groups all over the world. All of them ranging from
different belief systems, strong subject matters, personal opinions, and more. Amazing individuals
find something that they are passionate about, and they start a group with other people who are also
passionate about the same thing. These groups normally form because something they care about is
being threaten, or because something is happening that they don't agree with. So then interest groups
began and the individuals come together to have one voice and speak out their opinion. However,
starting one up on your own and getting people to join could present a challenge. ... Show more
content on Helpwriting.net ...
2 One of them is called, The Institute for College Access and Success. They are the ones responsible
for the Project on Student Debt which provides the latest news and information about student debt
and financial aid policy. Also they raise awareness to the students who borrow and they inform them
with stories, commentary, analysis, and forums regarding student debt. 3 Another interest group is
the Complete College America (CCA). 4 They are a slightly different than the other groups looking
to just decrease tuition. Their goal is to focus on increasing the number of Americans that end up
with quality career and college degrees. So that after graduation they have a job that will sustain
them and pay off their student debt. They believe that if it much more difficult to change the overall
costs of tuition at universities, than helping students achieve and career that will take care of their
life after college. After researching some of these interest groups, I now want to add some goals and
make some changes to my interest group. I would like to venture out of just trying to stop the
increase costs of college, and also help students develop a career that will allow them to be able to
pay off student loans and have the life that they

Should College Tuition Be Paid?
Tyra Wilson
Professor Jill Erwin
English 102
2 December 2015
Being Able to Afford College
Throughout all of high school, and especially during their senior year, the only thing students seem
to hear about is college. They have to attend tours, fill out application after application and decide
what school will be best for them as a person and their career path. But what most people seem to
stress over more than anything else is being able to actually pay for college. College tuition is high
in price and increases every year, making it almost impossible for students to graduate without
extreme debt. There are scholarships, financial aid, and loans to help out those who cannot afford to
pay high tuition prices, but these loans are not desirable as they lead to this debt immediately after
graduating. There is the help of financial aid, which is based off the parent's income unless you are
23 and over, but financial aid can be difficult to obtain as there many requirements a student must
fall under. Scholarships are another viable way to get financial help but it can be extremely difficult
to find ones that you qualify for, especially without the help of an advisor or school counselor.
Therefore, financial aid and must become more accessible to students so that future generations are
not graduating with overwhelming student debt made worse by their interest rates. If we could
minimize the fear of student debt then more of our youth would be pursing their degrees of interest.

Student Loan Debt And Consumer Choice
Student Loan Debt and Consumer Choice In today's society, student loans are haunting the lives of
millions of postgraduates all over the United States. Students who have carelessly taken out loans
and those in serious need of financial aid for their college education are now burdened with
thousands of dollars worth of debt. As the student debt average continues to increase in our nation,
the budgets of postgraduates begin to dwindle and the amount of defaults grow dramatically. With
the large student debts our young adults are now dealt with, recent graduates are forced to
compromise certain aspects of their quality and standard of living after graduation. Our nation's
recent graduate's budgets are being directly affected by the student loan debt and interest accrued
during and after their college careers. Student loans are a form of financial aid given by federal and
private organizations designed to help fund the student's tuition, housing, books, and other expenses.
Student loans are primarily given to those who are in most need of financial assistance. The interest
rates that accompany these loans are relatively lower than those of credit cards, housing and auto
loans, because these loans were meant to be quickly and easily paid off. With federal interest rates
fixed at as low as five percent and private loan interest rates decreasing, it comes to question: why is
the amount of student loan debt in our nation increasing so rapidly? And with the amount of student
loan

College Tuition
College Tuition: A Hardship for American Families To flourish in America today, the average
student will have to go to a high–quality college, earn a degree and land a successful job to
eventually support a family. However, success is easier said than done, because all of those steps are
vital. The step that many Americans struggle with is affording a high–quality college, not because
they aren 't smart or skilled enough, but because Americans cannot pay for the pricy tuition and
additional expenses. The rising of college tuition scares many, even though they yearn for a college
degree. Two reasons for this struggle are that college costs are taking a monumental percentage out
of Americans salaries, and most importantly the large amount ... Show more content on
Helpwriting.net ...
Even though many Americans succeed in our country today, many Americans struggle to financially
afford to send their child to a commendable college in order to acquire a prestigious degree. This is
truly a shame, but in some unfortunate cases, inevitable. In these tough economic times, Americans
need to be a part of at an excellent college, but they will first have to overcome huge obstacles.
Someone has to give in order for Americans to succeed.
Christine McKeon
Mrs. Hayes
Honors English IV
12 December 2012
Works Cited– Argumentative Paper
Finnegan, Leah. "Average Student Loan Debt: $25,250." The Huffington Post.
TheHuffingtonPost.com, 03 Nov. 2011. Web. 06 Dec. 2012.
"Update: College Tuition Costs." Issues & Controversies. Facts On File News Services, 22 Feb.
2010. Web. 7 Jan. 2013. <http://www.2facts.com/article/i1400140>.
Adams, Caralee J. "College Choices Shift in Tough Economy." Education Week 8 Aug. 2012: 4.
Opposing Viewpoints In Context. Web. 12 Dec. 2012.
Yen, Hope. "Student Loan Debt Stretches To New Record Number Of Households: Pew Research
Analysis." The Huffington Post. TheHuffingtonPost.com, 26 Sept. 2012. Web. 12 Dec. 2012.
Gale Database:
"Update: College Tuition Costs." Issues & Controversies. Facts On File News Services, 22 Feb.

2010. Web. 7 Jan. 2013. <http://www.2facts.com/article/i1400140>.
A record 18.4 million students enrolled

Hard To Pay For College Essay
Nowadays it's hard to get a degree and even harder to pay for. In the article "How to Pay for
College", it says that with hard work students can earn scholarships, apply for financial aid, finance
loans, and take on a part time job to pay for college. However, there is plenty of evidence proving
otherwise. Due to the rising costs of tuition and the restrictions to getting financial aid, it is almost
impossible for lower and middle class citizens to afford college. Loans leave students in debt and
scholarships are not always a sure thing. With a part time job, putting in too many hours of work can
interfere with ones sleep and actual study time. Recently a study was done on the average college
students' ability to pay for college with a part time job. Randy Olsen, a computer science graduate
research assisstant at Michigan State University, crunched the numbers for both Michigan State and
all public universities in the U.S. The average tuition cost at an in–state public university is $8,709–
not including room and board, books and supplies, personal care, and transportaton fees. Research
shows that the amount of hours needed to work to pay for college tuition with a part time minimum
wage job has more than tripled since the year 1979. It is now a lot harder to work your way through
college than it was 37 years ago. Many people in America miss the chance at pursuing a higher
education. This is not because they lack talent or they do not try hard enough. Their parents cannot

Rhetorical Analysis Of 'The Progressive Tuition Is Too...
The Progressive Escalation of Tuition In the year 2017, Americans owe about $875 billion in student
loans, which is more than what is owed on the nation's credit cards combined. Student debt is
flooding the country and burdening millions of Americans to the point where it is nearly impossible
to pay off. Despite the fact that the majority of people believe tuition is outrageously expensive,
there are many that believe the cost of college is exactly where it needs to be. Author Dylan
Matthews writes about the skyrocketing costs of higher education in his 10–part series entitled
"Introducing 'The Tuition is Too Damn High.'" He reflects on how tuition is gradually increasing
throughout the decades and argues that it is too much to keep up with. Matthews provides a logically
convincing argument, but does not adequately or abundantly use emotional or credible appeals, as
well as premises.
Rhetoric
One of the most prominent and effective features of Matthews's argument is his use of logical
appeal. He efficiently executes a compelling technique to appeal to those who think logically.
Throughout his writing, he implements facts and statistics constantly to the reader, showing the
increase of tuition fees and loans over time, validating his premise. The use of logos is impactful
upon the reader and puts what Matthews claims into perspective very well. For instance, Matthews
discusses the hardship of paying off tuition for students; this burden tuition often causes them to

Advantages Of College Tuitions
College tuitions is way too high in our country. They say that suny colleges tuitions are cheaper but
it's not they are still around $35000 to $60000 that's a lot for a student to take on. There are
scholarships that a student can apply for but if you think about it how many students are apply for it
that's a big chance that you don't get it. If you do get one it's not even enough to cover your college
tuition. The scholarship aren't for that much say if the scholarship if for 5,000 and the school that
you're going to is 35000 so a student still has to come up with 30,000 and that's a lot for a college
student. A scholarship isn't going to be enough to cover the student's college tuition. Also Granted to
understudies at schools, colleges, and exchange schools in the United States, budgetary help comes
in three essential structures: stipends (additionally alluded to as grants or corporations) that are
endowments that don't need to be reimbursed; understudy credits that regularly offer low, sponsored
loan costs however should be reimbursed; and work–study or assistantships in which understudies
work for their monetary guide grant. Albeit numerous private gatherings support grants, most by far
of money related guide originates from the central government, schools and colleges, and state
governments.
One of the inside stage issues of this presidential political season has concerned the moderateness of
school instruction. Previous President Obama attempted to push ahead on

Financial Education : An Organization For The World Of...
The term financial education is consented to be general and clearly recognized. In an effort to
develop sound financial decision making amongst consumers, under which financial literature from
current ongoing financial education programs is analyzed, education is the main delivery route.
Under several databases, this research narrowed itself when used the terms financial education,
financial education research and community impact; the National Institute of Health darted this
National Bureau of Economic Research report.
The National Institute of Health, (NIH), via its database public access is one of the leading medical
research entities in the world, an agency of the U.S. Department of Health, a trusted and stablished
research source, along with the National Bureau of Economic Research (NBER), an organization
dedicated to the world of economics and finance. The NBER's purpose and mission is to promote
better understanding of how the economy works.
Reference
Hastings, J. S., Madrian, B. C., & Skimmyhorn, W. L. (2013). FINANCIAL LITERACY,
FINANCIAL EDUCATION AND ECONOMIC OUTCOMES. – PubMed – NCBI. Retrieved from
http://www.ncbi.nlm.nih.gov/pubmed/23991248
2.
Poor financial decision making and weak consumer protections in consumer financial markets
provided the motivation for this particular research. The Dodd Frank Act signed into federal law by
President Barrack Obama on July 21, 2010, due to the most recent economic crisis, mandates the
Consumer Financial

Annotated Bibliography College Tuition
Ben Jauquet Brooke Dyer English Comp 82813 November 7 2014 Annotated Bibliography: College
Tuition Ayres, Ian. "Why California's Tuition Hike Might Be a Good Thing." Freakonomics RSS.
Freakonomics, 23 Nov. 2009. Web. 07 Nov. 2014. According to this article the gap in college has
become larger as of late because of students financial situations. Public universities cost on average
one forth of private universities. The wealthier students benefit from this because of the way
financial aid operates. When the tuition cost are raised it benefits the poorer students because
financial aid will pick up the difference having almost no difference in what they are paying without
aid. This intern makes up for the wealthy students who will most ... Show more content on
Helpwriting.net ...
Many middle to lower class families cannot afford to send their kids to school and with Ivy League
schools like Harvard and Princeton giving out generous financial packages to their student, who
mostly come from wealthy background. The poorer students are on the losing end because they are
not given the opportunity for aid. As Terry Hartle, the senior vice president of the American Council
of Education, says, "Smart poor kids go to college at the same rate as stupid rich kids." What this is
saying is that the wealthy families have vastly more opportunity to succeed in the college system
even though they have equal or lesser smarts. Well respected schools such as NYU are now
admitting students based on the financial fit not by merit. Through this recent recession the gap for
financial aid has become increasingly large due to the fact that colleges are basing some of their
applications by their financial situation. This in turn creates widening on lower to middle class
families who cannot send their children to school because the cost are too great to bear with large
amounts of financial aid. The wealthy students are not only being accepted to these pricy private
universities but are being given grant and aid so that they can make it through. The poorer students
are not even given the chance to attend those school not because of their brain but because of their
lack of funding. In today's society were the upper class has become very distant to the middle and

Should Finance Education Be Mandatory Component of School...
Financial education should be mandatory component of the school program. To what extent do you
agree or disagree with this statement?
Outline. In many countries the discussion about the rising financial problems of young people has
been getting more emphasis. Tough some people are voting to integrate financial education as a
schooling subject. It is an obvious fact that financial aspects are a major part of daily life, as an adult
and even as a young individual. Each and every one of us has to make financial decisions
concerning recreation, health, education and more. The question is whether to start with financial
education as part of school program or postpone it for a later stage in life.
The key problem for many young people is that ... Show more content on Helpwriting.net ...
providing other courses is much more rational and has better effects on children life.for example,
nowdays most task are being done by computers.therefore,it is essential for each child to know how
to work with one. i do believe that from mention reasons it can deduced that financial education is
waste of money and some people find it interfere in their business.
Positive aspects: Finance is an issue relating to all people during their lives. Every of us has to make
financial decision every day in many daily activities. As a result, there is one question that has been
raised for ages: when is the right time to start teaching children to manage and use money. Some
people believe that government should take financial education into school curricula, but some
disagree with this idea.
To begin with, parents think that if children are taught about money too early, they will be obsessed
with money. That could result in valuing everything at a particular amount of money. In addition,
they may talk about money all the time at home, at school and in public places. Gradually children
become money–minded ones, which negatively affects their life in the future.
By contrast, beginning learning financial education from the early age helps children understand the
important value of money. That leads them to use it reasonably. Money is an indispensable

Finance Systems for Higher Education
Higher education from United States is the best in the world, since it has a good quality. Tulip said,
"United States colleges and universities offer more choice, their graduates receive greater wage
premiums, and they attract more than twice as many foreign students as any other country."
Actually, people can see a large difference in wages between people who go to colleges and people
who do not go to colleges. People still go to colleges even if many students need to finance their
education. Within a good quality in higher education, then more and more international students are
studying in the United States. In order to maintain education quality, finance system is significant. It
shows how to balance equity and equality in education. ... Show more content on Helpwriting.net ...
Since public expenditure is huge, colleges will function better within sufficient funds. Increased
amount from tuition will help colleges to provide better quality of education. Moreover, the other
two are local taxes of $8.9 billion and ARRA funds of $2.8 billion. These two account for 6% and
2% in all financial resources, respectively. As we mentioned earlier, ARRA is organized to provide
funds to public schools in a recession time. According to SHEA report, author wrote about that
ARRA funds for public colleges and universities can mitigate tuition increases and layoffs.
And one thing needs to be mentioned is that "Very few public institutions have significant non‐
restricted revenue from gifts and endowments to support instruction." Public colleges are largely
different from private colleges, so they do not receive private endowments from rich people and
their alumni. The most important and largest funding is from government. Next, we will explore
how government funding should be distributed. First of all, we need to explore how government
funding comes from. According to SHEA report, state and local government funding for public
colleges and universities comes from the following aspects. These are appropriations from state tax
revenue, Non‐tax appropriations, mostly from state lotteries, Local appropriations, State‐funded
endowment earnings, Oil and mineral extraction fees or other

Pro And Cons: Pros And Cons Of Studying In The United States
Brendan Gazmen AM+DG Grade 12 E Ms.Mary Jill Janine S. de la paz 17 October 2014 Pros and
Cons of Studying in the US "We keep moving forward, opening new doors, and doing new things,
because we're curious and curiosity keeps leading us down new paths." (Walt Disney) . Trying out
new things is what makes people smarter and more successful ; wisdom is gained when knowledge
is tested through doing and experiencing new things. Moreover, education is the main source of
knowledge, and people think of it as the most crucial aspect in life which will dictate whether a
person will be successful or will fail . Education starts at home, but in school children learn various
things, and choosing what school to get into is a tough choice to decide for both parent and child.
One choice that parents often think about is to send their children abroad, one of which is ... Show
more content on Helpwriting.net ...
This is a disadvantage because being separated from their family means that they are either going to
live alone, in the dorm or with a host family and all of this will require them to do more chores such
as cooking, buying grocery, washing of clothes etc, than when they are with their families where in
their maids or there parents were the ones doing it for them. This means that there are lesser time for
the students to rest or to study which may affect them in a negative way such as sleep deprivation or
even failing grades due to the lack of time to study. Lastly, students abroad who are planning on
studying in the US might be subjected to discrimination due to their differences such as their looks,
accents, etc. May it be intended or unintended students who are discriminated in the US might
undergo depression or might get affected emotionally which will result to the degeneration of their
self esteems or their

My College and Career choices
My College and Career choices
My three college choices are University of Florida, University of Seattle and Ohio University. Each
of these colleges have good qualities for my careers. I'm not very sure what exactly I want to have a
career in. Two of my main choices are veterinarian or child care. Some of my concerns are the
distance, cost of tuition, the quality of the program, and the recreation at the colleges. University of
Florida is my first choice. The tuition for my enrollment would be $6,270. With this college there
are 16 programs for this university. For each semester you need to have 15 credits. To get in to this
college you are based on scholarships and on academic achievement and you must have a 3.0 GPA
or ... Show more content on Helpwriting.net ...
Some of these are team sports for basketball, football and more. They also have an amazing band.
Ohio State is very close to home. and is in state.
I talked about how I wasn't really sure what I wanted to do as my career. I thought of either child
care or veterinarian. Job requirements for child care are you have to be able to take act in a
emergency situation. You need to be able to connect with kids and show them you care. This is a
very social job too. Working conditions for this job could be outside, inside, at home, at a day care,
or in a school. The job requirements for a veterinarian is you need the skills. You need to have
passion for animals, you need business skills, and social skills. The working conditions for this job
can be in a clinic and/or outside. This job can be a traveling job, such as farms or other homes.
The salary for child care can range from $45,000 to 116,000. The salary range for a veterinarian is
from $49,000 to $113,000. These are really good paying jobs that could really provide enough for
me. The benefits for child care are you get to interact with kids and connect to them on another
level. The benefits for veterinarian are interacting with animals and to help their needs and stay
alive.
These are to good supporting jobs. There are more and more clinics for vets and children. I feel I
will probably end up working for someone close and then try to start my own business in Florida.
Both of these

The Harmful Effects Of Student Loan Debt And Attainable...
First Name and Last Name
Professor
Class
Date
The Harmful Effects of Student Loan Debt and Attainable Resolutions Largely because of the $1.3
trillion worth of outstanding student loan debt in the United States, most young adult college
graduates are in stressful, limiting, and precarious situations as they attempt to launch their lives into
adulthood. Indeed, some have dubbed the Millennial generation the "boomerang generation"
because after college so many graduates are moving back in with their parents rather than getting
their own homes and beginning their own independent paths (Austin 329). Some studies show that
as many as one half of college graduates are either unemployed or underemployed, the latter
meaning either part time work ... Show more content on Helpwriting.net ...
The combination of inadequately paying work together with great outstanding loans limits college
graduates from participating fully in society as adults. For instance, indicators of adulthood and full
participation include a stable career, a long term relationship, family, a home, retirement savings,
and owning material necessities such as a vehicle. When we take into account all of the burdens that
tens of thousands of dollars of student loans, it is apparent that this debt impacts just about every
aspect of life for graduates. One study by American Student Assistant (ASA) found that around a
quarter of student loan debtors have difficulty buying daily necessities because of student loans,
while over half indicated that their debt disallows them to make larger purchases like a car, and three
quarters of respondents said that they were putting off savings for retirement because of their loans
(Life Delayed... 3). Further, almost half reported that student debt has delayed their decision to start
a family (Life Delayed...3). From the normal day to day to the largest and most important aspects of
life such as starting a family, student loan debt is oppressively bearing down on graduates. Another
major way that student loan debt affects graduates is how it influences what kind of jobs they will
take. With debt looming overhead, graduates often do not have time to seek out a job that is

Waking Up And Taking Charge
In "Waking Up and Taking Charge," Anya Kamenetz is persuading us to ignite the flame and fight
for our rights as students. Young adults need to stop focusing on global issues and start focusing on
problems regarding their personal and financial lives. It is important that students put a freeze on
global issues and better things for themselves while they are in school, because it will help them in
the long run. "Waking Up and Taking Charge" seems to be about pushing young adults to be selfish
toward their own problems, but it is really about students taking a stand and fighting for their
political views by focusing on problems that have yet to be addressed. "Adultescents" should fight
for better lower tuition costs and better financial aid to help them financially, and should work
together to bring these situations to light. Younger adults are legally able to vote in political
elections and be active in the government, so why aren't their voices heard more often? Because
they focus on problems that don't affect them and problems that are already brought to light and/or
are already being taken care of. Student organizations don't even focus on school related issues.
They focus more on global issues. She compares our country to others and how other countries have
made student's lives and wallets better. Also, students are not educated on issues regarding
themselves as much as they should be, so they dig themselves an economic grave. Students need to
know what they're signing

Who Is The American Dream?
other necessities but he chooses to throw it away week after week just because there is a slight
chance he could win. The get–rich–quick solutions, such as winning the lottery or inheriting a large
amount of cash at a young age, are unlikely. Therefore, they are not realistic or practical ways to
achieve success and certainly no way to achieve the American Dream.
Critical to ensuring any chance of achieving the "American Dream" in this day and age is to obtain a
college education. Although it is possible to attain without attending college, it is extremely
unlikely. For those with an education, the dream still at least has a pulse. For the majority of people
who either do not think they need an education or cannot afford one, the dream probably lost. Adults
are often saying "when I was a kid, I had no help with college tuition, I was hardworking and paid it
all myself." There is a lot of truth behind that statement. It was much easier to afford college back in
the 1960s and 1970s. In 1970, the annual tuition for Yale was $2,550 (Muskus) and minimum wage
was $1.45 (Wage and Hour Division (WHD): History of Federal Minimum Wage Rates Under the
Fair Labor Standards Act, 1938–2009). This means the average student with a minimum wage job in
1970 needed to work 4.8 hours a day to pay for tuition. That is about 33.6 hours a week which is a
variable full–time job. In 1970, it was easy to graduate from college debt–free. Today, in 2015, the
annual tuition at Yale is $47,600 (not

Improving Affordability Through Curbing Cost Increases

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