Essay On Public Service Loan

Essay On Public Service Loan
Though the popular notion is that student loans follow you throughout your entire life, there is a way
for you to become debt–free sooner than you might have expected. If you have taken out any federal
loans, you are potentially eligible for "student loan forgiveness".
Essentially, there are four main programs that can reduce or even cancel out your student loan debt.
Depending on your job, you can qualify for Public Service Loan Forgiveness, Teacher Loan
Forgiveness, Perkins loan cancellation or income–driven repayment. These programs only pertain to
federal loans; however, there is no harm in reaching out to your private loan lender to seek loan
reduction based on your personal circumstances. Also, you will not be eligible for these programs if
you have gone more than nine months without paying towards your loan.
The Public ... Show more content on Helpwriting.net ...
Loans are forgiven if you have a remainder of $17,500 or less as your direct or Stafford student loan
balance, and additionally if you took out loans after October 1, 1998. This program is best for you if
you wish to teach in low–income public schools and have a relatively lesser loan balance. If you
have a greater loan balance and plan on teaching for at least 15 years, you would most benefit from
the Public Service Loan Forgiveness program, as it is more giving. However, through the Teacher
Loan Forgiveness program, you are able to diminish your loans in half the time it would take to be
forgiven from the Public Service Loan Forgiveness program (5 years instead of 10). You cannot
participate in both programs at once, but if you qualify for Teacher Loan Forgiveness, you can
complete Public Service Loan Forgiveness later on as well. To apply, fill out the application once
you have completed five consecutive years of teaching at a low–income public school and send it to
your student loan
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Affordable Education In The United States
Affordable Education
The education should be within reach of every person. Education can increase at the higher
secondary level if it is within reach of every person. All the people do not have the same financial
condition, and there are a lot of people in the United States that are not able to join college just
because of their financial issues. Apart from the financial situation, the college education in the
United States has also become too expensive. According to Corcos, (2016), if anyone wants to join
top rated colleges then they have to spend a lot of money for their college education. This is better to
make college education affordable for all so that everyone can join good colleges and feel no issue
in continuing their education after ... Show more content on Helpwriting.net ...
The concept of money was introduced to facilitate the people in their dealings with the others. This
is a facility not the source of division between the people. The money has become the reason of
misleading a society because the people are classified based on their monetary status. According to
Mirra, (2008), in the educational sector and people are graded according to their monetary value.
The colleges are also divided in this way. Students have become involved in the inferiority complex.
They know that they will not be able to get good education until and unless they will not be able to
pay more for the expensive colleges. The society has also divided in such a way that they use to give
good jobs to the students that complete their education from the expensive colleges. The poor people
are not able to get well in the society. The fee college education will eliminate this worse factor of
the society. The people will be treated equally, and there will be all equal opportunities from every
person. The involvement of money in the college education is creating problems, but the

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

School Funding : Pupil Weight Programs
Finally, one of the most recent types of programs established to combat unequal school funding are
Pupil weight programs. Pupil weight programs work by assigning each student a "pupil weight"; for
instance, a student in a regular, average program would be a "1", while a student in the English as a
second language program might be given a weight of "1.65" pupils (Augenblick, Myers &
Anderson, 1997). In addition to second language learners, many of these programs give extra weight
to students in special education, Title 1 programs and free and reduced lunch programs (Augenblick,
Myers & Anderson, 1997). Furthermore, a student in a wealthy school district may be given a pupil
weight of ".75" and therefore receive proportionally less state funding. These programs have been
praised as resulting in "a distribution of funds that is sensitive to both the differing needs and the
varying wealth of school districts. Time will tell, however, if Pupil weight programs will continue to
meet educational needs for students, or if a better system will need to be developed.
Legal Challenges Starting in the 1960s as the turmoil surrounding Brown V. Board of education died
down, parents and taxpayers began to bring lawsuits against state funding systems arguing that these
systems violated either state or federal constitutions (Augenblick, Myers & Anderson, 1997). Thus
far, federal claims have all failed. In 1973, the Supreme Court of the United States ruled on the San
Antonio independent School

Implementation of Student Loan Asset-Backed Securitization...
IMPLEMENTATION OF STUDENT LOAN ASSET–BACKED SECURITIZATION IN
MALAYSIAN HIGHER EDUCATION. (A STUDY CONDUCTED AT MALAYSIAN ECONOMY
IN THE ASIA) Paper no.60 ABSTRACT The research is to investigate the alternative financing in
Malaysian Higher Education by introducing student loan securities as a type of asset–backed
securitization. It will analyse and consider possible effects in order to relieve the pressure currently
imposed on the Government Budget. The aim of this research is to identify the outstanding systems
financed by capital market and banking systems in the United States and Chile and suggest how a
similar system can be adopted to improve the National Higher Education Fund Corporation
(PTPTN) as main corporation ... Show more content on Helpwriting.net ...
This research considers the role of government as a guarantor without burdening its financial
capacity. However, the private capital markets and banking systems will become key players to
provide financial resources to students. My study confirms the promising trend in Malaysia after the
introduction other types of asset–backed securities such as lease, auto loans, credit cards receivables
and commercial mortgages. This advanced financial techniques instruments had help to minimized
the risk and reduce part of the social problem. Though only spanning over sixth years, the
securitization process and its continuous innovation have contributed to resolving and risk managing
problems in Malaysia. SCOPE AND LIMITATION OF THE STUDY The scope of this research
particularly focuses on the student loans problem, which has not been involved yet in Malaysia. The
work considers the characteristics of National Higher Education Fund Corporation (PTPTN),
suggests a structure for student loans securitization, and study the potential of the asset–backed
securitization process in resolving the student loan problem. A limitation for this research is that we
will able to focus only on the United States and Chile student loans systems, as that process is not
yet implemented very broadly worldwide. The United States has implemented the federal Family
Education Loan Program (FFELP) to provide funds for students.

Where Is All Of The Money Going? Essay
Where Is All of The Money Going?
Abstract:
Where does all of the money go from the state and federal government that is given to the school
district in the name of education for our children? This has long been a debated topic among
teachers, administrators, and county stakeholders. Some feel ever dime is spent and accounted for
accurately. However, there are others who say "there must be a hole in the bottom of the bucket
because our children are not getting what they need or deserve." In this paper we will look at the
issue of schools and money for you to decide whether that money is being spent wisely or not.
Where Is All of The Money Going? "States and school districts are facing unprecedented financial
pressure due to the continued poor performance of the United States's economy."(Picus, L., &
Odden, A., p. 292) The lack of money to meet all of the obligations for special education students
required by the state and federal governments is a theme that resonated throughout the county
during interviews conducted with various individuals including administrators, teachers, and
stakeholders of the Camden County, Georgia School System. Camden County Board of Education
Kingsland, Georgia Annual Financial Report for the Fiscal Year Ended 2015 including Auditor's
Report acquired from the Central Office of the Board of Education the Camden County, Georgia
Public School System reported that it had $81,300,000 in expenses relating to governmental
activities. A report

School Finance Case Study Essay
The influence of the courts in educational finance for the duration of the three waves was definitely
a great force over the fundamentality for the amount and distribution for school in the United States
of America. Legislatures also had been a powerful factor on the implementation or organization
upholding schools within local in addition to states districts. Following litigations on any influential
social institution of the judiciary made up of legislators and courts prompts just how much of role it
combined with institutional concerns have in creating subsequent school finance reform.
Appropriate funding of public schools is after all an essential component in order to guarantee the
equity and adequacy of the educational provision for all learners. By and large, the optimum
efficiency and usefulness of educational facilities for the case of public schools is really one of
national importance for the development of the next generation ... Show more content on
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For example, the Fourteenth Amendment of the U.S. Constitution's equal protection clause was
utilized in the form of the initial wave by plaintiffs with the intention of defying partial as well as
inequitable state funding systems in its discriminatory view. Another wave had been by opponents
asserted the unconstitutionality of inequitable financing systems from equality claims underneath
equal protections clauses or provisions. The third wave of school finance litigation by plaintiffs
ensured a certain level of adequacy must exist in state funding systems or it would therefore become
unconstitutional based upon state constitutional clauses. Given these points, courts that had faced
each wave went through a lot to pronounce they held the competency and legitimacy to effectively
address multifaceted educational as well as financial questions in need of corrective

The Influence Of Ideologies In The Formulation Of Social...
Introduction
Why do some countries have free universal healthcare and others require their citizens to insure
themselves? Why is it that in some countries the retirement benefit a person receives is highly
dependent on the amount of work they have done in earlier life whereas in others there is not so
much difference made between the elderly? Furthermore, why is it that in Scotland people get to
educate themselves in higher level academia for free but The English have to pay thousands of
pounds for almost equivalent service? All in all, they are bare citizens living on the same island,
with similar culture, speaking the same language and having much the same living standards. It is
hardly the case that tens of thousands of euros paid for ... Show more content on Helpwriting.net ...
Therefore, it can be argued that if a country has a rather dominant ideology we can notice it in the
education policies. In order to keep the current essay as concise as possible I have decided to
analyze Sweden, France and UK's higher education policies and I will take a look at some facts that
surround the ideologies when the education policies have been put in place.
Sweden
According to Esping–Andersen's decommodification concept, Sweden belongs to the Social
democratic welfare state regime category (Esping–Andersen, 1990). The politics of Sweden has
been dominated by Social Democratic powers since 1917, which has resulted in a very strong
government and one of the most equal societies in the world based on wealth distribution (Statistics
Sweden). A dominant focus in reforming higher education system in Sweden has not only been
"eliminating financial barriers to education, but also at actively drawing students from
underprivileged social backgrounds into the higher education system." (Project–ICHEFA, 2008a)
Especially noteworthy is the tertiary education act passed in 1977 that created a thorough grant and
loan system for attending university and professional education (Project–ICHEFA, 2008a). A
noteworthy fact about Swedish higher education system is that the

A Discussion Of Constitutional Law And Its Relationship...
A Discussion of Constitutional Law and Its Relationship with Education Education is not explicitly
mentioned in the United States Constitution, but instead, education is one of the powers reserved to
the states. Power not specifically given to the federal government is reserved for the states through
the Tenth Amendment of the Unites States Constitution. Therefore, states have plenary, or absolute,
power in the area of education. While states may hold this reserved power, with regard to education
the federal government has found power through mandates that must be met in order for states to
receive federal funding for education. Texas has one of the longest Constitutions in the nation and
reads similar to a statute. The Texas ... Show more content on Helpwriting.net ...
Constitution). While not specifically mentioning education, this amendment guarantees that any
child in Texas has the right to free education given to any other child regardless of nationality. The
First Amendment of the U.S. Constitution has been examined extensively with regards to education.
Most notably the clause in the First Amendment, which guarantees the "freedom of speech", has
been scrutinized through the judicial system. While students and educators do not "shed their
constitutional rights to freedom of speech or expression at the schoolhouse gate" (Tinker v. Des
Moines), in the educational setting an individual's rights cannot interfere with the schools'
educational mission. The U.S. Constitution separates powers between the executive, legislative and
judicial branches. Federalism guarantees that power is shared between national and state
governments. The judicial branch often acts as a referee between the federal and state governments
when deciding on issues that seem to cross jurisdictions. Texas Constitution While the U.S.
Constitutions assigns power of education to states, Texas Constitution assumes that power and
prescribes the structure and operation of Texas public schools. Article VII in the Texas Constitution
establishes public schools, asylums and universities. The Texas Constitution guarantees free public
education for all students. Public lands are designated so that half of the land

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

Federal Income Tax, State Tax And Property Tax
The concept behind federal income tax, state tax, and property tax is........
The ratification of the sixteenth amendment to the constitution established the federal income tax.
The federal income tax is a tax the United States government collects on the wages and income an
individual may earn in a year. Each year federal income taxes are collected from millions of
Americans based on a progressive taxing formula. The progressive structure of the formula is
designed to ensure that each individual no matter their income, pays what is considered a fair
taxation rate. If an individual earns more, more taxes are levied against the earned wages and
income.
States tax their citizens in a similar fashion as the federal government. However, the income tax
rates or percentages at the state level are much lower. States also employ a tax that the federal
government does not have. This tax is called a sales tax. The tax on goods and services such as
clothing, automobiles and dining in at a restaurant is regressive. No matter what the income of an
individual, the tax remains the same, unlike a progressive system. There are many states that do not
have an income tax. These states get a large proportion of their revenue from sales taxes. States such
as California, New York, and Massachusetts, have some of the highest state income tax and sales
taxes in the United States. ... Show more content on Helpwriting.net ...
A county in Texas cannot tax a property in Nevada. The federal government does not levy property
taxes, some states do, and all local counties and municipalities do. Homes, land, and buildings are
considered property. Not every individual owns property so not everyone pays property

Policies Regarding School Finance Litigation
Introduction
Policies regarding school finance litigation and all aspects of it were widely debated throughout the
years. Everything was most widely considered according to the concepts of adequacy and equity.
West and Peterson (2007), has described adequacy in terms of the educational clause of the state
constitution in relation to outside criteria and is defined as a concept rather than an isolated word
that could be described by itself. Costrell (2007), differentiates equity from adequacy in that equity
is more concerned on the standard of equity that is being required for elimination of spending
between the rich and the poor educational districts while on the other hand, adequacy is concerned
on establishing a minimum level of spending ... Show more content on Helpwriting.net ...
Before going to the intricacies of the current system, it is important to look back and understand the
triggers that have made the current system what it is today. We could see that the concept of fair has
gradually evolved into the concept of equity of resources. This evolution was guided by the
litigations and research that was done through the years with regards to the school funding policies.
We could see how the shift in paradigm have affected the evolution of the policy through a historical
perspective through the paradigm of adequacy and equity used in conjunction with the other for the
school funding systems.
Historical Major Cases One of the most critical major cases that shifted the context of public school
finance into another paradigm could be found in the case of Brown vs Board of Education in 1954.
In here, the focus is on shifting the paradigm to the equity of resources. The decision in this case has
provided equal educational opportunities between white people and African–Americans living in the
United States of America. The 1950s and the 1960s generally saw reforms that have resulted in
policy changes that would give equal opportunities for the marginalized and the children of all races.
Baker and Green (2008), pointed out that this basically marked the evolution of equality among
students from just the concept of what 's fair. It was through the case mentioned above that
constitutional

Assessment of Personal Financial Wellness of Teachers
Proper financial education is an important part of life because it affects virtually every aspect of it.
Everyone will likely someday face a difficult financial situation, whether large or small, that
requires time and money. Having a good understanding of daily cash inflows and outflows in
personal finances will help make tough situations less stressful and easier to handle.
Cash (1996) Among five risk stressors in life ( relationships, work, health , crime/violence, &
personal finance), personal finance was rated as the number one source of stress, concerns about
personal finance are five times higher than those regarding health. Garman et al (1996) research has
indicated a relation between personal finance stress and backache, ... Show more content on
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2. Is there a relationship between the level of financial wellness and the demographic characteristics
of the respondents? 3. What are the common sources of information on financially related decision
that the public school teachers commonly accessed? 4. Personal perception of the teachers if they
are qualified to integrate financial education in their respective subjects? 5. What are the most
desired financial education topics of the respondents? 6. How many of the teachers have participated
in a financial education program in their formal school or through their employer.
Respondents
The respondents are public school teachers of a selected public school in Imus Cavite.
Demographic Characteristics
Demographic characteristics, such as gender, marital status, education, ethnicity, age, income,
number of young children ( financially dependent children ) , housing tenure and years in service.
Financial Wellness Scale
This researcher has obtained from Personal Finance Employee Education Foundation through Ms.
Mary Moldenhauer, a paper approval for the use of their developed and validated Personal Financial
Wellness Scale.
PFEEF is a non –profit organization that promotes and facilitates financial education in the
workplace with address at 9402 SE 174th Loop Summerfield Florida,United States 34491.
The Personal Financial Wellness Scale is an eight –item self–report subjective

Essay On Wealth Inequality In America
At the root of Democratic presidential candidate Bernie Sanders' highly touted (and shouted)
policies, from free college to an increase in the minimum wage, is the issue of inequality in
America. Perhaps it's no surprise that Sanders has seen great success on his message of fixing
inequality in the United States, the gap between the wealthy and poor has been growing at an
alarming rate. The focus tends to be on income inequality rather than wealth inequality. According
to Google Trends, searches for "Income Inequality" significantly outnumber searches for "Wealth
Inequality", and have consistently done so since 2004 (Web Search Interests). Despite this, wealth
inequality is a far greater problem than income inequality. Income inequality ... Show more content
on Helpwriting.net ...
The Fair Minimum Wage Act of 2007 saw a 41% increase in the federal minimum wage over a two–
year period, in Card and Krueger's study, the minimum wage increased 19%. An increase to $12
would be a 66% increase, ergo explaining the need for it to gradually imposed. This increase,
however, is not enough to be deemed radical enough that we cannot apply these studies to it. If the
federal minimum wage to raised $12 over a period of 5 years, it would be an annual increase of
10.6%, a decline from the average of increases since 1961 which was 11.7% a year (It's Time).
Critics who support at $15 minimum wage instead of a $12 rate face a problem here. This rate
"constitutes a wage increase of 50% to 100% in most places" (Holzer) and would not be categorized
as a modest increase. Significantly, many labor economists, who typically support minimum wage
increases, are opposed to a $15 on the basis that it would likely lead to an increase in unemployment
(Holzer). Major cities such as Seattle, which has raised their minimum wage to $15 should do so
when feasible to further reduce income inequality, however, it is not reasonable to expect places
such as Mississippi and West Virginia to be able to afford such a significant

Antebellum Era Research Paper
The Antebellum Era during the mid 1800s was a time in which the United States began to strengthen
itself as a nation through a number of economic and social reforms. With the creation of the New
York Stock Exchange, New York City quickly became the center of finance around the world and
allowed the United States to become the world's first emerging market; as a result investors from all
over the world were pouring money into the nation's economy as everyone wanted to buy stocks and
invest in cities all over the US.; With its high financial status, New York became the most appealing
city in the country to invest in and one such man who invested a lot of his wealth into the city and
more specifically, the borough of Brooklyn was William S. Packer.

The Difference Between Unites States Healthcare Systems...
The difference between Unites States healthcare systems and the healthcare systems in Sweden
Noranda Brown
Kaplan University
The difference between healthcare systems in the United States and the healthcare systems in
Sweden.
Healthcare systems vary in many different developing countries, causing various types of
governmental issues regarding the care of unhealthy citizens in an unstable environment. The
healthcare of Sweden and the United States (U.S.) will be addressed and differentiated in this essay
based on economical, discriminatory, and governmental aspects . These two countries vary in
healthcare systems and has strived for the development in resolving governmental issues, funding
issues, and better education to ... Show more content on Helpwriting.net ...
Minorities has less advantage of getting accessing diagnostic and surgical procedures and tests, and
therapeutic treatment and medication (Hotlz,2008). Elderly care, child care from 0–18 years of age
and pregnancies are more likely to receive healthcare in the United States because people under
these circumstances are considered more needy than those that are not. The difference of the U. S.
heath system and Sweden's heath system is that anybody any age (0 and above), is eligible for all
healthcare needs and depending on the case may even qualify for financial, employment, and
housing support. Another difference is that the United States does not give out free medication
passes for a year, if a certain dollar amount is spent like the country of Sweden do. However, the
two countries identified in this essay, Sweden and the United States (U.S.), have various things in
common. One of the similarities of the two countries is that both countries practice Contemporary
and Alternative Medicine (CAM). The practice of CAM has played a major role in the wellness of
patients and the entire society. CAM can be considered prayer for health, therapeutic, vitamins, and
herbs. The United States practice massage therapy, chiropractic therapy, and daily vitamins. The
leaves of Andrographis Paniculata, has been used in Sweden as an remedy for upper respirator
infection (URI) and influenza (Wellness.com, 2006–2011). Another similarity of Sweden health care
system and the U.S.

Interfamilial Education In The United States
Education Education mainly begins at home since the child is born. The development and growth
begins at the early learning of the child, education should star in the house with the help of the
family tree specially went the grandparents are involve. For instance as soon the child star a formal
of understanding the first thing as parent should be encourage the child first how to behave, second
to respect others and, third after the child have some form of education should encourage the child
to the house chore, in others words to learn how to fix the bed, how to do the dishes and so on. As a
result interfamilial education is very difficult because of the advance system the surround. To that is
added the little time that as parents ... Show more content on Helpwriting.net ...
Family with low economic standards has fewer opportunities than the children that come from a
high economic status. Although the federal states finance private school this school have their own
private institutions to finance their own institution. In other words school in a rich neighborhood
have a better form of education more supply, better schools campus and better qualify teachers, in
differential at the poor communities. Even though education is considerate expansive went you star
College or assist to a University where the student constantly have to take students loans, because
does not qualify for any government financial help. James D. Kirylo in the preferential option for
the poor said "School setting is a place where educators' are in a natural position to make
preferential option decisions when working with youngsters whose lives are affected by poverty".
For this reason the government have a form of pressure to the students to paid their debs, in most
cases the student don't finish paying until they rich a average age of 50 or more. And in the Marjory
of the case Spanish and African American are the one who suffer the most went it come to education
status. Education should not be defined by race, religion or gender it should be equal for everybody
regardless of the social economic

The Discrepancies In Education Funding
The Discrepancies in Education Funding
In the United States, education funding is exceptionally unbalanced. Currently within the United
States, primary and secondary schooling is funded predominantly by local property and personal
tax. While the majority of citizens believe that education funding needs to be reformed, some
individuals believe that public schools are funded fairly based on property and personal tax, that
education should be based on the status and personal tax that a person and community pays. Every
year, approximately 1.15 trillion dollars was used for kindergarten through college education
funding within the United States. The Federal Government provides on average 10.8 percent of the
1.15 trillion dollars spent on education ... Show more content on Helpwriting.net ...
Accountability is to ensure that all children, including those from disadvantaged backgrounds
achieve "academic proficiency". Flexibility, which allows individual school districts to allocate
funds to programs and supplies they think necessary to ensure adequate progress. The third mainstay
of the No Child Left Behind Act, research–based education will help schools implement
"educational programs and practices" that have proven to improve student success rates through
research. The fourth and final mainstay set forward by the United States Departments of Education,
parent options increases options for parents who have children attending a Title One program.
(Federal Education Budget Project, 2014) A Title One program is focused on schools with an
abundance of low–income families to ensure that those children reach testing standards. The Title
One Program has been utilized by than fifty–six thousand schools as well as twenty one million
students. Fifty–nine percent of students that receive funds through Title One are in Kindergarten
thorough fifth grade; twenty–one percent are in grades six through eight, and seventeen percent of
students receiving Title One aid are in grades nine through twelve. On May 14, 1954, the Supreme
Court made announced their decision; it stated, "We conclude that in the field of public education
the doctrine of 'separate but equal' has no place. Separate educational facilities are inherently
unequal." (Administrative Office of the U.S. Courts). After the Supreme Court's decision, the
Justices decided to hand down a plan to desegregate schools to the all states' Attorney Generals on
May 31, 1955. (Administrative Office of the U.S.

A Penny Saved
A penny saved is a penny earned is one of the most well–known sayings in American culture, or,
perhaps, used to be one of the most well–known sayings in America. According to Jenny Che, an
associate business editor at The Huffington Post, America has a serious problem when it comes to
financial literacy and the problem starts with the kids in the school system who are not being taught
how to manage money. Che states in her April 2016 blog post titled, "America Is Not Teaching Kids
How To Manage Money. And That's A Problem," that the United States was ranked far lower than
most people would expect when it comes to financial literacy, and little is being done to resolve this
issue. Through alarming observations and data, Che successfully makes her point: America is not
integrating financial curriculum into their education system, and this must change. Although Che's
post is fewer than 500 words, she presents an impressive amount of well supported information. A
large portion of her post focuses on recent studies and research to back her argument, building ethos.
All of the sources have been published in very recent years, adding a consistent and current time
period to her argument. She poses statistics such as the amount of debt American students have
accumulated, the staggering number of people who are behind on their loan payments, and the small
number of schools who are actively incorporating financial education curriculum into their system.
She references an extensive

The Cultural And Global Impact Of College Tuition And...
The Cultural and Global Impact of College Tuition and Student Loan Debt
Introduction
College debt is quickly rising as more students pursue a postsecondary education. Tuition is growing
at a rate higher than inflation, thus forcing many students to make up the gap between income and
tuition through loans (Houle). However, cultural factors must be considered before a young adult
makes a decision about higher education. The type of postsecondary education one pursues, if any,
is determined by many circumstances including socioeconomic status, race, and family background.
Therefore these same factors impact the amount of student loan debt one acquires. At a global
standpoint, the United States is among the nations with the highest amount of college debt with
more than 1.2 trillion dollars in outstanding student loan debt according to CNBC, Consumer News
and Business Channel (Holland). Although the amount of student debt in each country varies,
similar cultural factors impact all students. Socioeconomic Status
Tuition and finances are among the most commonly inquired topics regarding college.
Socioeconomic status, one's social and economic position within society, directly and indirectly
influences the ability to attend college. It directly relates to the financial aspect of higher education.
One explanation for this is the human capital theory, which suggests a negative correlation exists
between parents' income and educational level and the amount of student loan debt their

The State Of My State 's Economy
Going into a career (rather furthering my education in finance) in finance has had me wondering
about the state of my state's economy lately. As an accountant, Maine's economy will continue to
affect me professionally (and personally, being a citizen of the state) for the rest of my adult life.
Even if all I ever do is taxes for other citizens of my state, to know the state of the economy here
will change the way things are done. I don't have enough space to go through everything that's
affecting Maine's economy today, so I'm just going to touch on a few basic things that everyone
deals with and has base knowledge about, such as health care, education, cost of living, and food
insecurity, and try to explain it the best I can. Post–Secondary education is any education after high
school; i.e., associate's degree, bachelor's, master's, etc. Only about 35.7% of Maine citizens over 25
had received a post–secondary degree in 2007 and that percentage has rose to 39.1% in 2014. Maine
and the United States are about even on the percentage every year from 2007 to 2014, but New
England's average was between 42–46% in those 7 years. Those are a lot of numbers that don't
really mean much to anyone, but I know something that will. Without a high school diploma, the
average earnings for Maine residents is under $20,000, with a high school diploma just over
$26,000, associate's degree is $31,000, bachelor's $40,000, and graduate degrees were $54,000.
Putting money values on things makes it

Wealth Inequality In America
At the heart of the rise of populism in the United States is the issue of inequality. The gap between
the wealthy and poor has been growing at an alarming rate. In response, Americans have turned to
populist leaders on both sides of the aisle, most notably Donald Trump and Bernie Sanders, for a
solution. Wealth inequality poses a serious threat to future generations like mine, who, in pursuit of
the American Dream, will find upward mobility nearly impossible. Disenfranchised, desire for
innovation and growth will cease. Wealth inequality is already shaping American politics and
society, and has the dangerous potential to be the defining problem of the upcoming generation. A
sizable cause for wealth inequality in America is a dire lack of

Paper
Introduction Healthcare in the United States is a relatively young industry compared to those
industries that help found this country. The revolution of healthcare in the US began just over a
hundred years ago similar to the raise of the industrial revolution. As the American population
migrated from the farm to the city, this concentration of population along with medical research
breakthroughs spawned the growth of the healthcare segment of the American economy (Shi, Singh,
2017). With the raise of the influence of healthcare in the US the ability to profit as a participant in
this sector has also grown and has led to near crisis level for the industry. The cost of financing
healthcare in the US is a complicated topic with many ... Show more content on Helpwriting.net ...
Although the percentage of medical school students graduating with debt nationwide has not
changed dramatically since 1984, the total amount of debt per graduate has increased, even
outpacing inflation, to a mean of $158,000" (Steiner, Pop, You, Hoang, Whitten, Barden, Szmuk,
2012 pg. 171). Leaving medical school with this high level of indebtedness is an important
consideration when examining the cost of health care in the US. Inevitably the cost of education that
a physician incurs is passed on to those who are patients at that practice. In addition to the high
education costs incurred by physicians to enter the profession, it is also very expensive to run a
practice as well. One of the leading costs that physician's pay for is malpractice insurance in
addition to all other standard business expenses. In addition to insurance coverage physician
practices have a very high cost of operation. Research shows that "running a private practice,
however, doesn't come cheap. The infographic below, based on a typical ophthalmology practice,
shows just how much a provider can expect to spend each year on his or her practice. Here are a few
of the highest costs: Employee expense: $565,024, Office occupancy: $150,505, Office supplies:
$69,464" (Sutherland, 2013). When these costs are annualized for a first year physician the total
amount of debt to begin a practice is substantial.

Is Finance Management Be Within Students Reach Regardless...
Would finance management be within students reach regardless of their set of circumstances? While
decision–making influences a choice, many individuals do not have a range of choices and simply
cannot afford common mistakes such as recklessness and laziness. Smart money management skills
are the key to accomplishment. Success in financial management is a planned process of
organization to ultimately avoid debt, save, and achieve life stability. Many students are reckless and
enjoy living on the edge with their money not because necessity or benefits, but ease and flexibility,
" Those who pay their credit–card bills on time every month are taking steps to build a solid credit
score. But it 's far too easy for 20–somethings to misuse their cards. They use plastic to purchase
big–ticket items that they can 't afford, from high–end flat–screen TVs to rooms full of furniture"
(Rafter). The desire to have things the easy way is far better and thrilling. However, eventually that
money has to be payed back. "Living in the moment" surely has an unnecessary negative long–term
consequence in this case, debt. Faced with a period of temporary economic decline of both trade and
industry, which is also known as the recession. Saving money can be quite difficult for any family.
Some situations cannot be helped, workers are not responsible for their job status, and there could be
a variety of reasons why he or she loses their current job. In a worse case scenario, if unemployment

The Space Race: Pros And Cons
College is the pinnacle of any education known to humankind, the sanctuary of knowledge, and the
birth of new ideas and idealists. Since the University of Al–Karaouine was commissioned in 859
A.D., colleges have expanded their range of teachings from mathematics, physics, and foreign
languages to many diverse fields that deal with nearly every aspect of today's world. More academic
institutions were established over the next millennia, but only a privileged few would be able to
attend the schools of Paris, Oxford, and Montpelier. In addition to beneficial education in particular
fields, colleges offer positive factors for their students. These factors include building relationships
with students and professors while improving one's standing ... Show more content on
Helpwriting.net ...
Eisenhower passed into law the National Defense Education Act on September 1, 1958. (Hunt) The
NDEA provided funding to effectively improve the American education system and to promote
secondary education. Eisenhower's reasoning for signing in this Act was to increase the number of
educated students in America in order to "meet the demands posed by national security needs."
(Hunt) The Sputnik "crisis" lead to the first ever moon landing by the United States on July 20,
1969, thanks to an increase of the quality and affordability of professional education. Space may
never fully be discovered or fully learnt about, but the United States could soundly say that they had
conquered it; especially since Soviet technology never once landed on the moon. (The Space

America's Response To Terrorism Essay
America should respond to threats of terrorism by collaborating with other countries to fight
terrorism. There are two reasons why America should respond to threats of terrorism by
collaborating with other countries to fight terrorism. One reason is that it could bring countries
together to make a strong international community and have more military, finance, diplomatic, and
intelligence tools necessary to address terrorism. The second reason is that it could get the U.S. more
allies to help them with their problems. Some people think America should respond to threats of
terrorism by defending their homeland because taking sides in other international conflicts could
only increase the United States' vulnerability. The less the U.S. is involved ... Show more content on
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Collaborating with other countries could bring countries together to make a strong international
community and have more military, finance, diplomatic, and intelligence tools necessary to address
terrorism. "International cooperation brings together the military, financial, diplomatic, and
intelligence tools necessary to address international terrorism" (Choices for the 21st century
education program). When international cooperation comes together, the U.S. has more of
everything including military forces, finances, diplomatic, and intelligence tools. These are the
things they need to fight and stop terrorism. But if they try to stop these terrorist groups individually,
then the terrorist groups would over power them and win. "The UN is only as strong as its member
states. In order for the UN to be effective it must have the full support of the United States"(Choices
for the 21st century education program). This quote is saying that without the United States' help the
UN is not as strong as it is with the U.S. Working together is the key to success. Working together
could get more allies and forming an alliance with powerful nations could be good for the U.S's

Why I Chose Australia Research Paper
The reason why I have chosen Australia for higher education is due to its diversity and
multiculturalism, superior quality of education, chances of getting practical work experience (PER),
credentiality of education environment than many developed and rich Asian as well as European
countries nevertheless social welcoming nature of Australians are far greater than countries like the
United Kingdom and the United States of America. The fact that I must do outline here is, the
Masters degree that I am eagerly interested into being available in Bangladesh too, and offered by
many private universities as well as few public funded universities, however as we proceed with the
globalization generation like us are not only competing with the home grown students but also in
global context.
As a country, Bangladesh is full of possibilities, which has severe problems that needs to be solved.
There are progressive scietific education policy which were never been implied in real world basis.
Dictatorship and democratic political regimes likely never implied an education policy which really
works. However, the country is conformed fully to the education for all objectives attached to the
Millenium Development Goals. In reality, though, higher education is ... Show more content on
Helpwriting.net ...
It is notable here that, Bangladesh is going to middle income earning country and according the
many leading economic and finance expert it is to be the 23rd largest economy in the world by 2050
whereas many European nations will have smaller economies and less social security than us. The
rise emerging market will boost the country's employment, entrepreneurial and better living standard
for everyone. As there already are many globally recognized accounting, finance and think tank
organizations working within the country and I am highly positive to secure a brighter future for
myself on my return to

How Did Alexander Hamilton Shape American Finance
How did Alexander Hamilton shape American finances? Explain the conflict between Jefferson and
Hamilton.
Alexander Hamilton was one of the most influential figures to shape American finances. He made
his contribution through the The Hamiltonian Economic Program. The goal of his plan is to improve
the American economy through three steps. The first is to pay off the nation's national debt in order
for states to focus on business. This way maximum profit can be achieved. The second step is to
place tariffs on imported goods to gain money. Lastly is to create a national bank in order to regulate
money flow and currency. However, Thomas Jefferson strongly disagreed with Alexander
Hamilton's views which was evidently seen in the political parties, the Democratic Republicans and
the Federalists. One of the main differences between the two is regarding the type of government
America would have. Hamilton favored a strong federal government while Jefferson favored a small
local government.
How did the idea of democratization shape and reflect arts, literature, ideals, and culture?
The idea of democratization led to the Second Great Awakening, a Protestant religious revival
during the early 19th century in the United States that took place in the 1790s and to the 1800s. It
also encouraged many influential writers such as Henry David Thoreau, who wrote "Civil
Disobedience." This popular piece inspired others to fight for what you believe in even if it is not
lawful because Mann thought that our conscience is of utmost importance. In addition,
democratization has also changed ideals. For example, women have been seen as child bearers and
housewives for a long time. Due to the enlightenment of new ideas, women have realized their self
worth and have continuously fought for the rights that have been deprived from them for so long.
Why did the United States go to war with Britain in 1812? Were its goals achieved?
The War of 1812 was a war fought between 1812 and 1815, between the United States and Britain.
There are many factors that led to this war of independence. One of the main causes is impressment.
Many British officials were hijacking U.S. ships and kidnapping the sailors onboard, forcing them to
serve in the Navy

The Great Depression And Its Effect On Higher Education
The Great Depression was an economic downturn that occurred in the late 1920s and the early
1930s. It was begun by the stock market crash in October of 1929. The Great Depression did not just
affect the United States of America, it also affects the world. At this time, Higher Education was in
the University Transformation Era (Cohen & Kisker, 2010). As the world was changing, so was
Higher Education. The Great Depression had its own effect on Higher Education system, such as the
institutions, students/faculty, and finances of most institutions.
The Great Depression takes place in between the two World Wars. After World War I, the United
States emerged as a prominent country on the world stage (Cohen & Kisker, 2010). It was able to
benefit from "exporting agricultural products, manufactured goods, and explosives to the
belligerents" (Cohen &Kisker, 2010, p.110). According to Granados, Roux and Portes, (2009) the
1920s started with a negative in economic growth and unemployment rate that was over 10%. The
economy began to flourish during the middle part of the decade (Granados, et al., 2009). While there
were signs that the economy was struggling in the summer of 1929, the onset of the Great
Depression was during the stock market crash in October of that year (Granados, et al., 2009).
According to Granados, et al., (2009) the unemployment rate rose substantially; "reaching it
historical maximum of 22.9 % in the United States in 1932" (p.17290). The economy greatly affects
the

Graduation Speech : College Graduates
In the United States, the outlook for recent college graduates seems bleak. In 2014, graduates left
college with both a degree and an average of $28,950 in student loan debt ("Survey of the States" 1).
In addition, over half of all millennials are having trouble saving for the future and seventy five
percent were unaware of late payment charges on their credit cards (ibid). All of this builds up into
the current situation in the United States, where collectively, college graduates have over one trillion
dollars in debt, the second largest debt category (ibid). Now, the spending and saving of money
starts at an earlier age than ever before. Students fresh out of high school are being asked to make
thousand dollar investments in the ... Show more content on Helpwriting.net ...
As so many young people are in desperate need of personal finance lessons, putting this content
within the required high school curriculum would give them all a background they can use when
making financial decisions, both right after high school and throughout the rest of their lives. Right
now, only a few states have this personal finance curriculum implemented into the required content
of their high schools and even fewer have testing to make sure these areas are being taught well
("Survey of the States" 1). They have had beneficial results, although these few locations cannot do
enough to educate an entire generation about personal finance before the student loan debt rises
even higher and thousands of young adults are unknowingly finding themselves in financial issues.
Personal finance education is working in some high school systems, however, there are still
improvements that need to be made before every high school student is offered the same opportunity
to learn the financial skills that will help them in their future. These improvements include efforts to
increase student motivation, educate teachers on how best to teach personal finance, and change the
curriculum so that it is more beneficial to these young people. So far, personal finance classes have
been working throughout the United States. One example of this was found in a study conducted by
William B. Walstad, Ken Rebeck, and Richard A. MacDonald from the

The Roles Of Texas Government
Acharya 1
Shishir Acharya Professor Sharifian GOVT 2306–71003 December 1, 2017 Texas House and State
Committee Texas is one of the states forming United States of America and it is one of the largest
state in terms of its population and the total geographical area. The local government has been
divided into county government, municipal government and special districts. Texas has been divided
into house districts and senate districts. The house of representatives and the house of senate plays a
crucial role in deliberating on issues specific to a given department.
If selected, I will be glad to be a member of the education, transportation and finance committees.
These committees touch on different aspects in the economy ranging from the ... Show more content
on Helpwriting.net ...
The committee try to formulate policies that are pragmatic in nature so as to address the challenges
faced by local producers and consumers. The primary function of this committee is to check, clarify
and approve the fiscal budget to ensure that infrastructural facilities are in place. I am from senate
district 16 and there are lot of problems regarding transportation in my district. I would work on the
field to promote public transportation and make it easily available to public so that they won't have
to suffer from intense traffic problem which has prevailed on my district.
Education committee The educational committee deals with policies that are touching on the overall
educational syllabus. School funding programs are also deliberated under these senate committee.
Sound educational policies in Texas means that the state will be in a position to strengthen its
educational system and create a system that is favorable now and for the future generations. The
review of the educational syllabus is also within the scope of the educational committee in the Texas
state. This legislative wing of the Texas state is primarily constituted to deal with all the matters
facing the educational sector and to developed policies that will be geared to improving the
educational standards.
My placement in these committees is justified because I have a wide knowledge base in all matters
accounting, education and in the transport

Public Education Debate
Public Education Debate American Education System
Education is a fundamental provision that needs to be considered in any society. The reason as to
why it seems to be regarded to be fundamental in the life of human beings is because it imparts
sanity to the [person who has acquired some education as compared to the person who has not
acquired education. The literate person tends to behave in a different way like the one illiterate one.
Education in the past was delivered in a different way unlike the current generation that is basically
full of computerization. Eleanor Roosevelt is one of the writers who take back to the ancient days of
1800 where the education system was different when we approached ... Show more content on
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There was racial segregation in the 19th century unlike the 20th century basing on the education set
up of the Americans, The native ordinance during the 19th century formed restriction of education
basing on the race of the person attending the school. It led to the rise of the education of a common
man that was granted to those who were not Americans. However there was the establishment of
Township education between (1785–1787).That offended the spirit of equality in terms of
accessibility of the education facilities because of the race. That was a different case when it comes
to the 19th century whereby the Congress government did the constitutional amendment 14 by
passing de jure law. This law violated the aspect of racialism and therefore supported the education
system of all racing by catering for their rights. However, the Swan. C Charlotte amendment
suppressed the formulation of boundaries that created education rifts, therefore provided an
opportunity for integration for students. In the same note, education for the handicapped was not
catered for in the 19th century but in the 20th century, rights of education for the handicapped is
catered for by the Education Amendment Act, Title 9.That was a PL pass 94–142 by the congress
party in

High School Financial Requirement
Financial Requirements
A financial class should be a prerequisite in all states in order for students to graduate high school.
One reason is so that the students can learn how to budget properly, since most will be responsible
for themselves. By learning this, the students will come to understand the importance of good credit.
In addition, knowing how to control their finances will eventually help build the economy.
"The near–collapse of the American financial system has led to a search for its causes and ways to
prevent it from happening again. Many political leaders blame at least some of the subprime
mortgage crisis on mistakes caused by financially 'illiterate' consumers and propose to solve that
problem with mandatory classes in personal ... Show more content on Helpwriting.net ...
There are a couple different reasons. According to Dan Kadlec, a journalist and a strategic adviser to
the National Financial Educators Council, "Only one in five teachers feels qualified to lead a
personal finance class, according to a University of Wisconsin study. So we don't have enough
instructors. Personal finance concepts are not part of standardized tests like the SAT or ACT. As the
saying goes in education circles: If it's not tested, it's not taught. Education is run at the state level.
So there is no federal authority to mandate personal finance classes, and each state has its own ideas
on how to go about it." (Why We Want, 1)
"Maryland Comptroller Peter Franchot states 'many state officials who oppose ... cite funding costs
as their biggest concern.' However, he points out that Maryland's Carroll County, which chose
independently to implement a standalone financial literacy course for all eight of its high schools,
did so with just $37,700. The only recurring cost is $325 per teacher for a one–time training course.
Franchot conitnues, 'The idea that you have to hire a bunch of new teachers and incur all sorts of
new textbook costs and other sorts of expenses just isn't true'."

The Dream Of The American Dream
"The American Dream is that dream of a land in which life should be better and richer and fuller for
everyone..." (Adams, 1931, p. 214). The dream of our ancestors has not changed with the passage of
time, but achieving the dream of financial independence has become much more difficult for the
average American. Reviewing data compiled over the last few decades paints a bleak picture: wage
disparities have increased, savings rates have fallen, and pension plan failures have escalated. What
's more, benefits provided by private defined benefit plans and the U.S. Government continue to see
reductions. These sobering facts do not depict a reality where the American Dream of financial
independence still thrives. While difficult, the dream is ... Show more content on Helpwriting.net ...
The ability to achieve financial independence at a time when real wages have increased only
marginally coupled with Americans lack of financial knowledge and understanding of investments
leads directly to reduced saving rates and investment habits. The call to action cannot be clearer,
investing is a necessity. And yet, less than 48% of adults in the United State have savings invested in
stocks, one of the best potential options to accumulate funds for an emergency or retirement.
However, various options do exist to aid an individual uncomfortable with investing. A passive
investor can utilize a broker, a representative who buys and sells investments for an individual.
However, brokers are expensive to engage as they receive commissions on each buy or sell
transaction they execute. A second option available for investing is to work with an advisor. An
advisor provides recommendations, generally, does not receive commissions, but receives
compensation on a percentage of invested assets. The median fee range is, .25% for high net worth
clients to 1.50% for clients with smaller account balances on top of hourly fees. Taking the path of
least resistance and hiring a broker, or advisor, although requiring little intervention on an
individuals ' behalf reduces your investable assets, and therefore future

The Pros And Cons Of Marital Status
Marital Status
Marital status is an approved question to be added to the official Neptune Lodge Enterprise 2017
application. This question was approved per the company's insurance policies. The Neptune Lodge
Enterprise, (NLE) offers both full Medical and Dental insurance for their full–time employees.
However, the NLE insurance policy does not expand to employee's spouses. In the United States, as
of 2015, 54% of all households with a documented male and female marital status live in a one
income base household (Backman, 2016). In addition, as of January 2017, 12.4% of people ages 18–
64 in the United States are uninsured, and 69.2% of the people ages 18–64 maintain private
insurance (Centers for Disease Control, 2017). Therefore, NLE ... Show more content on
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Have You Ever Been Arrested
It is against the law in the United States to inquire if an applicant has ever been arrested or convicted
of a crime, regardless of the applicant's age (Human Resources MBA, 2017). Therefore, to prevent
lawsuits, the officials of Neptune Lodge Enterprise have decided to reject the idea of requesting a
candidate's criminal history on the 2017 application.
Do You Plan to Have Children (Females)
The representatives of Neptune Lodge Enterprise have decided to reject the idea of inquiring if a
candidate is planning on having or adopting children on the 2017 application. The NLE offers full
medical coverage to their full–time employees and offers a total of 16, unpaid, weeks of maternity
leave for male and female, part–time and full–time employees. Therefore, the NLE applicant's plans
to have or adopt a child would in no way affect one's job work ethic or requirements.
Are You Handicapped?
It is against the law in the United States to ask an applicant if he or she has any form of disabilities
or medical conditions (Human Resources MBA, 2017). The NLE is an office environment located in
a one–story building and is handicap accessible for the employees and clients convince. In addition,
the NHL offers specialized telephones for deaf and hard of hearing, as well as specialized computers
for the blind and the visually impaired. Therefore, to prevent lawsuits,

The Importance Of A College Education
I was born in Cuba and moved to the United States at the age of ten. I had to overcome several
barriers such as language and culture. Learning the English language and adapting to a new culture
was extremely challenging. In order to overcome these obstacles, dedication and persistency were
key factors in the process. The lessons learned from these events have turned into advantages that
have fueled my desire to complete my college education. I graduated with a bachelor of business
administration in accounting from St. Thomas University. However, I believe that in order to be
successful, one must have an extended and deep understanding of the concepts that will be used in
one's endeavors. For this reason I believe that the Masters of Finance

The American Education System
An education is an extremely vital part of anyone's life, and a fundamental right. By law, the United
States is required to provide an equal opportunity of education for all. Unfortunately, what they have
to provide is mediocre at best. There are many problems and implications involving the American
education system, causing it to be one of the most pressing issues that the United States is facing.
The performance rate of schools in the United States compared to those in other countries speaks for
itself. "Most of students of the American schools and colleges perform much below the average
level. When compared with the students of 21 different industrialized countries, the twelfth graders
of America ranks 19th in mathematics achievement and ... Show more content on Helpwriting.net ...
In the Finnish education system "the focus in education is on learning rather than testing...The only
national examination... is held at the end of general upper secondary education" ("Education
System" NP). To replace tests, they allow the teachers to be responsible for the assessment of each
student's achievements. This method also encourages students to self–assess their own work
throughout the year in a way to improve themselves. The education in Finland is also at no cost,
with the exceptions of books in higher levels and maybe adult education. Financial aid and grants
are still available for any level of higher education ("Finnish Education in..." NP). This allows an
equal access and opportunity for

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