Student Debt Crisis

Student Debt Crisis
1.0 Introduction
A student loan is designed to help students pay for university tuition, books, and living expenses. It
may differ from other types of loans in that the interest rate may be substantially lower and the
repayment schedule may be deferred while the student is still in education. It also differs in many
countries in the strict laws regulating renegotiating and bankruptcy.
There are two types of student loan that can be applied which are federal student loan and private
student loan. Basically, students are more prefer to make a loan in federal student loan because the
fixed interest rate wouldn't affect the payment that they have to pay even the interest rate rise. In
addition, government also provide free insurance ... Show more content on Helpwriting.net ...
4.0 Impacts 5.5 Burden their family for decades
Currently, federal student loans are automatically cancelled when the borrower killed or disabled but
private student loans become the responsibilities of the students' families. So that, the student that
borrow private loan which have high interest rate just give a burden for their family to settle the
debt. Since the family have responsible to pay the debt together with the interest rate, they will have
no saving in future.
5.6 Could slow economic recovery in housing market
The extensive amount of national debt held by college graduates in federal student loans debt is
affecting their ability to qualify for a home loan and a delay in housing market growth. Students
coming out of college today have more federal student loan debt than ever and they're coming into
an economy that is under performing. The $1 trillion in student loan debt is starting to slow the
economy just as the housing bubble created a mortgage debt problem. For couples looking to buy a
house, it is more difficult to qualify for a home mortgage when even one of the buyers has student
debt, and even harder if both buyers have student debt.
5.7 Decrease the liquidity of bank
Banks may also face difficulty in providing liquidity during a debt crisis if
... Get more on HelpWriting.net ...

Crippling Student Debt
The typical all–American dream is a great paying career, a happy family, and a good home to raise
them in. This is, however, only possible by going to college and getting a good education at a high–
cost university that buries you in debt. Often when discussing student loans the general consensus
are that students are in colossal financial struggles if they obtain degrees at good universities. The
myth of crippling student loan debt is, however, not typical. According to Harvard University's
National Center for Education Statistics, students that attend Harvard spend almost $60,000 a year
on tuition, however, the normal student at a four–year university spends almost half the cost at
approximately $30,000 a year, leaving the community

Student Debt
INTRODUCTION
This report examines the increasing trends in the amount of debt students are graduating with. The
purpose of this report is to prove why these trends need to be stopped, and how they can be stopped.
After viewing the statistics from 1993 to the present it will be obvious that student debt is not rising
at a steady pace, but that its growth is leading to large financial burdens by many students.
Recommendations are given about the actions that can be taken by not only students, but everyone
to help improve this dire situation. The changes that student loans have been through over the last
couple of years will have a lasting effect on current students, prospective students, parents, and
those who have graduated and ... Show more content on Helpwriting.net ...
This could be a matter of convenience due to things such as online registration systems at some
colleges. Other scenarios include students exhausting the lower cost methods of paying for tuition
such as student loans or payment plans (American Council on Education).
Source: American Council on Education Issue Brief – July 2006
Figure 2. Credit Card Ownership and Behavior of Traditional–Age Undergraduates
ANALYSIS OF CAUSES OF INCREASING DEBT TRENDS
Reduction in Student Aid Programs
Student aid programs are being cut. The Pell Grant, which is set at $4050 per year for qualifying
students, is suffering. Because of the lack of increases in the Pell Grant, the buying power of this
grant is decreasing. It no longer is able to keep up with inflation rates (Talia Berman).
Increases in Interest Rates
In February, 2006, the Deficit Reduction Act passed through legislation. This act would ultimately
cut $12 billion from federal student aid. This act increased interest rates on student and parent
borrowers. The Stafford Loan interest rates rose from 5.3% to 7.14% on existing loan and 6.8% on
any loans taken out after this act passed (Talia Berman). What this act did do was lower income
taxes to those that made more than $1 million!
Rising tuition

Over the past five years, tuition has risen by 40%. Since the 1970 's, tuition has actually tripled.
When

Regular Debt Vs Student Debt
Many students have argued that they will just take the extreme debt and file for bankruptcy later on
in life. The main problem with that argument is that they assume a student loan is similar to other
loans. For example in order to get out of a car loan debt you need to prove "undue hardship." With
student loan debts the taxpayers want to ensure that there is no way for you to just walk away from a
student loan debt. According to a Harvard Journal Article the difference between regular debt and
student loan debt is, "The Bankruptcy Code's treatment of education debt may reflect the view that a
loan from the government qualitatively differs from a loan from a commercial lender." Since they
are not given the same background check that commercial

Students Debt In College
Although the majority of students in college struggle with finances, STEM majors and
underrepresented minorities, specifically have a daunting task of paying for college at a remarkably
young age. According to the article, "Debt Overload", by the National Society of Professional
Engineers, "...28% of African American students reported $33,500 or more of undergraduate debt
compared to 15% of Caucasian students." Also, students with Science, Computer Science,
Engineering, Environmental Science, or Mathematics majors accrue over $20,000 a year in debt.
Majority of student loan debt exceeded $900 billion in the first quarter of 2012, up $30 billion from
the previous quarter, the Federal Reserve Bank of New York reported on May 31. This number has
increased by $663 billion since just 2003. Student debt is so widespread that two–thirds of the class
of 2010 graduated with loans averaging $25,250 each, according to the Project on Student Debt.
While studying the article, it was clear that another possible reason that students did not enter the
STEM profession was because they could not afford to go in debt for a degree that often required
further education after a Bachelors. At the same time, the country is ... Show more content on
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Jensen states that seven differences between middle–class and low–income students show up at
school and by understanding those differences and how to address them, teachers can help mitigate
some of the negative effects of poverty. This is a good source to validate my research because if
someone is able to understand the differences between middle and lower class and the barriers that
each face then each student will be on equal ground. One of Jensen's differences was the effort that
middle and lower class students apply while doing coursework. Jensen states

Student Debt At The Usa
Although there are indeed significantly cheaper options in terms of higher education within the USA
– the most affordable four year degree that can be earned amounts to $75,772 – those who choose to
pursue more reasonably priced schooling nevertheless find themselves burdened with extreme debt
("Study in the USA," 2015). To illustrate, student debt in the USA is presently at a record high, as
nearly 40 million Americans currently owe loans that hover around $35,000 ("Student Debt
Protests," 2016). To further exacerbate the situation, these 40 million Americans are not just
expected to start paying back the original $35,000 once they find full–time employment, they are
also confronted with a sizable interest rate of 3.8% which makes it much ... Show more content on
Helpwriting.net ...
As the nation with the most expensive system of higher education in the developed world, not only
do students in the USA borrow much more substantial amounts of money to meet escalating college
costs, the USA is in fact the only country on the planet where their combined student debt –
altogether equaling between $902 billion and –$1.2 trillion – outpaces all other types of consumer
debt ("College Debt Crisis," 2013). On the contrary, youth living in Sweden who have their hearts
set on further education – whether that be a bachelor degree, an exchange program, or even a
doctoral study – are exempt from paying tuition fees at any higher institution in the country ("Fees
and Costs," 2016). The only mandatory fee that a Swedish student is required to pay for their
schooling is an exceptionally small student union fee each semester – which covers the costs of a
student card, public transportation systems, in addition to entry into an assortment of activities to
facilitate social integration – which equals around SEK 300 ("Fees and Costs," 2016). In American
dollars, a Swedish student will expect to pay an incredibly small

Increasing Student Debt
There are several governmental issues facing the American people in this day in age. Many of these
issues have come to the fore front during the Presidential Campaign of 2016. One of the most
popular and important issues in the United States is student loans. Colleges are full of expensive
fees such as tuition, textbooks, and room and board. Many college students can't afford to pay all of
these fees and are forced to take a student loan. However, the interest rates on student loans are
rapidly increasing each year. This leaves many college graduates in the open world with great debt
that takes a long time to pay off.
In January of 2016, Minnesota Office of Higher Education officials have unveiled the "SELF Refi"
refinancing program which aims ... Show more content on Helpwriting.net ...
Due to the high cost of many colleges and universities, students are forced to borrow more and more
money each year to pay for their education. The reason that student loans are so crippling to students
is because the interest rates are very high. Students often take multiple years to fully pay off their
student loans and this can negatively affect them when they make important life decisions such as
buying a house or car. I believe the way to solve the issue at hand is to increase taxes for the rich in
order to reduce interest rates for student loans in order to stabilize our economy and decrease the
amount of debt college graduates are faced

Student Debt Analysis
Student debt is a national crisis that can be avoided no longer. The Canadian youth have been
abandoned with the exponentially rising costs of university tuition, and if upward trends continue,
both the country and its citizens will be adversely affected. In order to stop the negative effects
caused, a change must must be made; making university tuition free. Although the cost would be
great, the consequential rewards of this investment would be far greater, in terms of national
prosperity and income equality. University education should be made free as it would greatly benefit
the Canadian economy and lessen the financial strains that students and their families face.
Canada should implement free university tuition as it will decrease the ... Show more content on
Helpwriting.net ...
This would be an enormous cost to the government, but, as shown, the country's return would be
much greater, not only for the country, but the citizens as well. This should be seen as a large, long–
term investment, rather than a substantial cost, and the German experience with the implementation
has evidently demonstrated that the return–on investment is quite substantial. Through acting
promptly towards this concern, Canada can avoid a major crisis that will only continue to negatively
impact the country. Therefore, the Canadian government must make university education free for all
of its

Student Debt : The Problem Of Student Loans Debt
Student Loans Debt
Student debt is a topic that generates a lot of debates. From politicians to lenders to students,
everyone has an opinion on the topic. With a trillion dollar national debt, it's not surprising why the
topic is such a huge issue and the solutions are even greater. The student debt is a form of debt that
is owed when a student has completed college or drop out. The average interest rates for the
ungraduated and graduated are 4.45% to 6% (Quadlin). To pay off all the students' debt, it will take
10–25 years to complete it. College students will have at least six months before they have to make
the first payment. Student debts can be a real problem for those who aren't preparing for them.
Student loans debt should have a longer grace period, lower monthly payments and repayment
programs that apply to all because students will be able to manage and repay their debts in a timely
manner.
The main problems with student debt are the high monthly payments, high interest, short grace
period, and repayment programs that does not apply to everyone. Majority of students can't pay back
loans they have borrowed because they aren't given enough time to pay them off. Students have at
least six months to pay off their debt before they get an increase in interest. Over 75% percent of
students have to get loans to pay for their first year of college and more (Quadlin). Debt is
something we all have to deal with even parents suffer from them as well. Parents usually take

American Student Debt
After reading about the historic court case of Robert Murphy, an unemployed 65–year–old man
fighting to have over $200,000 in student loan debt dismissed through bankruptcy, I began to think
"Have I been lied to about my investment in a college education"? Well, the answer is yes; we have
all been lied to! Student loan debt is an invisible phantom that follows millions of Americans
through their lives. We are told, however, that this invaluable investment is well worth the risk of
living in financial destitution for the rest our lives. The truth is it creates even more hardships on
Americans in the form of debt. I and millions of others are tired of the lies! If college is going to
continuously be America's golden standard for economic advancement, our next leader needs to fix
the affordability of the higher education system and the debt that burdens Americans once and for
all.
Many of us non–wealthy Americans have limited career options: graduate from high school and
struggle to remain financially stable; join the military and serve our country in exchange for
financial security; attend college financed through loans and possibly live the ... Show more content
on Helpwriting.net ...
Nearly 75 percent of Americans believe the cost of education should be the responsibility of the
federal government. What is indisputable is the fact that there are major flaws with our higher
education system. Americans are fed up with this system and the power that it wields over our life!
Any smart presidential candidate would notice Americans' anguish over this problem and develop a
solution to not only make college more affordable but possibly free and to solve the paralyzing issue
of college loan debt once and for all. This will truly provide Americans with the freedom and the
pursuit of happiness they are entitled to and ensure your placement in the oval

Student Debt Essay
Tuition and student debt at colleges and universities in America have been rising far more quickly
than inflation for over four decades. This is a trend that will continue without intervention. Student
debt drastically affects students' lives and decisions from getting married, to buying home, or to
starting a business. The amount of debt held by students after graduating not only negatively affects
the individual, but the economy as well. Loads of economic activity is currently halted by students
working to pay off their loans. This is a consequential problem and the increasing number of student
debt in America must be addressed.
While student debt has been an issue for quite some time, the steady increase annually is alarming.
According to MarketWatch, The average amount of debt per student upon graduating in 2015 was
$35,051; about $2,000 more than class of 2014 graduates. In comparison, the amount of debt per
student in 1993 stood just under $10,000. In a report by the Urban Institute, a Washington, DC–
based think tank that carries out economic and social policy research, the quantity of college
graduates with more than $40,000 in student loans has increased by almost ten times in eight years.
Not only is the amount of debt per student upon graduating steadily increasing, but also the amount
of students requiring loans. Currently, the amount of students requiring loans to graduate stands
around seventy percent; ten percent higher than class of 1997 graduates. These are

Student Debt For College Students
As decades pass by, obtaining a college degree seems more necessary to get a decent job after
graduating. Therefore, high school students feel the pressure to get into a good university and to get
the highest degree possible, even when they have no plan on how to pay for it. Financial aid has not
kept up with growing tuition prices, and taking out student loans seems almost impossible to avoid.
According to research, "About 40 million Americans hold student loans and about 70% of bachelor's
degree recipients graduate with debt." (Market Watch) The U.S currently has a total of 1.3 trillion
dollars of outstanding debt. There is a ton of controversy on how to solve this issue, but there are
progressive solutions schools and college kids need ... Show more content on Helpwriting.net ...
Educational shaming is when society looks down on you if you decide to take a route in life that
does not involve college, or does not involve a 4 year degree or higher. It has also come to a point in
this society, if you do not go to college right after high school and do not graduate within 4 years
you are looked down upon by employers. We put a college degree over productive work career.
When employers should start looking to see if you are eligible for a laboring job (and other careers
that do not need schooling) by your learning potential, motivation, integrity, and mental ability
instead of a piece of paper that tells your education and job experience. "We are setting up future
generations for disaster if we don't help make a change. We are starting to believe that the American
Dream is all about a white collard job and a college degree." (Ted Talks, Dusty Wunderlich) By
2020, 19 million more college graduates will enter the workforce but only 7 million of those require
a degree. (Ted Talks) Since every person is different not everyone will be ready for college at 18 and
not every student will have the fast learning ability or money to graduate in 4 years. Changing the
way society thinks is way easier said than done. Students can start taking part of this way of
thinking and help spread awareness by writing letters to congressmen, holding rallies, and by
writing and signing

Student Debt
Fear of Losing
Facing a seemingly massive debt can create a scare tactic to continue on a path toward a higher and
exceptional education. Although there are controllable factors to help lessen the weight of student
debt it creates a wall of challenges toward furthering ones education, because of the fear of falling
into a seemingly large debt Canadian students are afraid to maximize their education, prohibiting
Canada to create and maintain a stronger and more skilled work force.
Picking a career field does not come easy.
After high school students are faced with the decision to continue pursuing a more advanced
education or going into the workforce as society would label it "uneducated". Although there are
more deciding factors than simply ... Show more content on Helpwriting.net ...
Research has uncovered that debt aversion has been a steady factor amongst those who chose not to
carry on to post–secondary education. 70 percent of high school graduates claim that fears of current
and future financial standings spiraling out of control was a main factor for not pursuing a higher
education, one in four people stated that accumulation of debt was the main barrier. Studies show
that students from marginalized communities, low–income backgrounds, and single parents are
more likely to have negative feelings along with being strongly hesitant toward acquiring student
debt. (Students,

The Importance Of Student Debt
Today nearly 40 million Americans have accrued student debt. Student debt is something heavily
over looked while many people struggle to pay for their education. Some people argue that student
debt should be reduced or forgiven because of its affect on the economy and borrowers, while others
argue that its unfair to forgive this type of debt and that students should work while in college.
Meanwhile, universities continue to raise tuition, which some argue that is due to because of student
loans while others take the position that it is due to decreased state support.
Former students want the best possible opportunity for paying back loans. Aspects of borrowing
must change to improve the infrastructure of student debt. Incorporating risk assessment into student
loans and revising the Bankruptcy Code form a better alternative to improving the student debt
infrastructure. The goal of college is to finish, make money, and become successful. Life is very
hard trying to pay for anything without a job. Students who owe 10,000 dollars or more are less
likely to finish college. College is worthless if a person goes for one year and owes money back
immediately after that year. There is no grace period if you drop out of college. You must be
prepared for the bills that come next. Borrowers who pay what they earn and not they consume
would be well fitted for society. College graduates would argue that student debt is a debilitating
factor of life. Alexander Xi speaks about a type of

Essay On Student Debt
The Student Debt Crisis No institution is perfect, not even Normandale, though it is better than most
other community colleges, it still has its problems. Some are minor and short term like a shortage of
parking spaces, but others are long term or even crippling to students financial future. The most
prominent example of this is student debt. Normandale is far from the only college with this
problem, almost every college in America faces this issue. Student debt is hard to avoid with 71% of
students that have graduated from a four year program have an average of $29,400 in student debt in
2012 ("Average Student Loan Debt, 1993–2012." Pg.1). Student debt is a major problem that affects
most young Americans, but it could be fixed with government funding of community colleges and
increased regulation of for profit schools. To understand the magnitude of this problem, it is ... Show
more content on Helpwriting.net ...
For starters, if you have around 30,000 of student debt, it can lower the amount of money you can
save in your 401k by 350,000 (Holland, Kelley Web Pg.1). This is because you need to pay interest
on your loan every year. That interest keeps people from starting retirement savings early. The later
you start saving, the less interest accrues in your 401k. That is how a 30,000 loan in someone's early
20's ends up snowballing into a massive reduction of retirement savings. Students from low income
families need to borrow more money therefore, it burdens them more than wealthy students,
widening the gap of inequality (Phelps, Hollis Pg. 12). The fact that student debt plagues the low
and middle classes significantly more that the upper class, it plays a large part in the shrinking
middle class in America. The increased difficulty of paying for college affects low income
households the most. This hinders social equality, contributing to class division and the already
severe wealth gap ("Introduction to The Rising Cost..." Pg.

The Debt Of Student Loan Debt
Here in the United States, there are many forms of consumer debt, which help contribute to the large
sums of debt countless Americans find themselves faced with. Directly effecting many college
students is student loan debt. Student loan debt is now the second largest form of consumer debt
behind housing" declares the Federal Reserve Bank of New York (Grisales). This is due to the fact
that student loan debt grew 7.1% in 2014 to $1.2 trillion (Grisales). If this statistic alone is not
worrisome this next one is sure to be. The amount of debt in the housing market that helped to spark
the last recession was only $1.3 trillion (Grisales). Due to the increased amount of debt required by
students to attend college many students are feeling the wrath. According to the U.S. Census
Bureau, "In 2014, 11.7 percent of females and 17.7 percent of males between the ages 25 and 34
were living with their parents" (Grisales). The fear of obtaining massive amounts of debt is driving
the current generation of student's to put off many future hopes and dreams. While causing them to
move back home to save money. The current student loan crisis is crippling the economy and
ruining the lives of American students. Economic impact from rising student loan debt is being felt
throughout the United States. According to research performed by the Pew Research Center and
Rutgers, between 25–40% of 20– and 30–year–olds are delaying large purchases such as homes and
cars (Daniels). The delay of such

Student Loan Debt
Education is one of the main social institutions in today's society. That is why it is so difficult for me
to understand why it is becoming so unaffordable in the past few years. When did wanting to further
education become such a burden for graduated students? There are 41 million Americans that have
over $1.2 trillion dollars in student loan debt. According to the Project on Student Loan Debt, the
average graduate with a bachelor's degree pays about $350 a month on student loans for around 19
years. I cannot stress enough in how paying for college or paying off loans has become such a
challenge for students who are not provided with financial aid or enough financial aid to pay for all
their necessary classes. There is also the challenge in

Student Loans And Student Debt
As Young teenagers become adults and start College, one issue that doesn't seem as a big deal at the
moment for many students are student loans. Young college students who don't have the money,
don't have enough scholarship money, or family who doesn't have the money to pay, will apply for
student loans each year. They amount the student receives can vary depending on the college and
what the student has achieved academically. Though interest rates are low with subsidized being
4.29% and unsubsidized being 5.84% ("Federal Student Aid" Interest rates and Fees), student loans
still have a huge effect on college students once they graduate. One college graduate's story helps
explain the struggles for most students:
"[I] am a PhD student working a full time job that pays less than $21,000 a year. By the time I finish
this degree I will have well over 80,000 in student loans, which have already began to gather interest
and make weight on my credit..."("Real Life Student Debt Stories Student Debt Crisis" Sarah March
26, 2016 Illinois).
With many students with stories too similar to Sarah's we need to focus on how we, college students
and citizens of America, can help each other. Many people feel that we need to help college students
with loans others believe that that need to handle their own loans. A hard choice to choose, either
paying for college or getting loans and paying them when you leave college or drop below half–tie
enrollment("Federal Student Aid" Understanding

The Benefits Of Student Debt
The latest studies report that 70% of college graduates leave school with an average student debt of
$38,000. Student debt is a large part of the college experience. Most college students will incur debt,
but the amount accumulated depends on the degree, choice of university, and lifestyle practiced.
There are several key aspects to dealing with student debt: preventing student debt, minimizing the
amount of debt, and paying it off. College students should avoid if at all possible getting any student
debt from the very beginning. One of the best ways to fund education is to apply for scholarships. It
has been found that people who apply for scholarships are more likely to graduate from college
debt–free. Max Fay states, "The comes from massive amounts of student loans, but there are other
ways to pay for college like scholarships and grants. In fact, they covered 34% of college costs in
2015–16" (Fay). The data presented by Fay shows that the average college student who applies for
scholarships can be rewarded over 30% of all their college fees. Scholarships are very beneficial to
students because they help them pay for their tuition. Fay claims, "Each year, an estimated $46
billion in grants and scholarship money is awarded by the U.S. Department of Education and the
nation's colleges and universities. In addition, about $3.3 billion in gift aid is awarded by private
sources" (Fay). This evidence shows that there is about $50 billion awarded to students each year to
help

Student Debt Is A Form Of Debt
Student debt is a form of debt that owed by an attending, withdrawn, or graduated student to a
lending institution. The lending is often of a student loan, but debts will be owed to the school if the
student has dropped classes and withdrawn from the school. Withdrawing from a school, especially
if a low or no–income student has withdrawn with a failing grade could deprive the student of the
ability of further attendance by disqualifying the student of necessary financial aid. Student loans
also differ in many countries in the strict laws regulating renegotiating and bankruptcy. Due
payments may be a retroactive penalty for services rendered by the school to the person including
room and board. As with most other types of debt student debt ... Show more content on
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History Many factors are accountable for of student debt. The growing problem of student debt has
become more prominent in the past decade inspiring many documentaries that check the causes and
effects. One reason is due to the new guidelines developed by the federal government. There are
now new rules deciding who can borrow as well as how much debt they can take on. Colleges and
universities have increased the costs for students to attend their schools then increasing the amount
of debt these students take on as student loans. Reports have shown that borrowers who finished
college in the early 1990s were able to keep up managing their student loans without an enormous
burden. Some blame the economy for the debt increases but in the same 7–year period credit card
debt and auto debt have decreased. If student debt had stayed constant with inflation since 1992
graduates would not be facing such burdens by student loans. Public universities increased their fees
by a total of 27 over the five years ending in 2012 or 20 adjusted for inflation. Public university
students paid an average of almost 8400 annually for in–state tuition with out–of–state students
paying more than 19000. For two decades ending in 2012 college costs rose 1.6 more than inflation
each year. Government funding per student fell 27 between 2007 and 2012. Student enrollment rose
from 15.2 million in

Student Debt Argument
College Debt Make Graduates Feel A Loan
"Is Forgiving Student Loan Debt A Good Idea?," an article written by Kayla Webley in a 2012 issue
of TIME magazine, discusses the solution of a one–time student loan bailout for all college students,
and argues that, even though this solution is not the best, it is an answer nonetheless. Webley
supports this claim by introducing a petition started by Robert Applebaum, a student burdened with
$88,000 in college loan debt (130). However, she argues against his propositions, stating that the
bail–out will not be an efficient stimulus politically or economically, many students will eventually
be able to pay back their loan debt, and there are government programs already in place to give
students financial ... Show more content on Helpwriting.net ...
Though it may make Webley and her article slightly more personable, the quips do not offer any real
purpose to the argument. In fact, the commentary distracts from the points of interest and confuses
readers by blurring Webley's stances. Rhetorical questions are appropriate when used sparingly,
however by ending many of her paragraphs with one, she demeans the impact of asking the

Student Loan Debt
Student Loan Case
1) Summarize the student loan industry. Answer with respect to both public and private loans and be
clear as to which you are referring to.
a) What led to the inception of the student loan market?
The inception of the student loan market started like any other loan market, there were a large
amount of borrowers who needed money now to invest in college to make more later that were
matched with lenders who had excess funds and wanted return on the funds. The National Defense
Education Act of 1958 which provided loans to students in higher education institutions started the
student loan market. This was supposed to help train students to get jobs that will help them succeed
and in turn help our nation succeed.
b) What ... Show more content on Helpwriting.net ...
The Market size of student loans is $1.2 Trillion, private accounting for $0.2 Trillion and federal
accounting for $1 Trillion. Student Loans taken out have been increasing, student loan debt
outstanding has been increasing and average student loan debt per borrower has been increasing.
Some believe that these may cause problems and increase outstanding debt and defaults which
taxpayers have to pay. While government professionals may believe that taking a hit now to help
consumers get higher paying jobs may be worth it in the long run so they can start consuming.
2) How have student loans been treated in bankruptcy historically and today?
a) Include in your answer information about how the treatment impacts lending
b) Include in your answer information about how the treatments impacts the economy
c) There is some controversy here why does that arise?
d) What might happen if the laws changed?
Before 1976 student loans were dischargeable in bankruptcy; this policy did have some loopholes
though and when it comes to loopholes in money you do not want to leave many. Student loans
stopped becoming dischargeable because they were afraid that the students would take advantage of
the opportunity to file bankruptcy and rid themselves of student loan debt and drain the system.
Disallowing the discharge of student loan debt helps to increase incentives for lending since
borrowers are stuck

Reducing Student Debt
The purpose of this report is to inform the chancellor of the issue surrounding higher education. The
issue of higher education is that it's failing to give millions of student's quality degrees at a
reasonable cost. College costs and student debt have been rising for the past years and it continues to
rise. States don't invest enough in schools to make colleges more affordable which leads to an
increase of tuition cost and student loans.
Body:
This issue of colleges not being affordable can affect state of Lower Kingston because of tuition
hikes it causes a decrease in number of students enrolling to classes. Students who can't afford the
cost of a full–time chooses to take fewer classes and end up graduating more later which can affect
the graduation rate of the school. Also students who work longer hours to pay for their classes may
affect their academic ... Show more content on Helpwriting.net ...
Also expanding federal Pell Grants would help millions of low–income Americans who depend on it
to attend college. Reducing student–loan interest rates for all federal loans would also help students
finish college. Also college student should be able to mandate income–based repayment plans,
which limit the amount that the borrower can afford to pay.
Key terms to use to help discuss the issue effectively would be "Making colleges more accessible
and affordable" so students would graduate debt–free. There should be efforts to help students pay
for college, reduce costs, and track down the bad schools that take advantage of students and give
them a degree that is worth nothing and end up in big debt. Also another key term should be "a
quality degree at reasonable cost" which all hard working students deserve. What students want out
of colleges is an education that will set them on a path to

Student Debt Forgiveness
With student loan debt on the rise and more borrowers struggling to make their monthly payments,
many people want President Trump to take the reins and keep some of his campaign promises. In
October of 2016, then Republican presidential candidate Donald Trump proposed new student loan
guidelines that would cap total repayments at around 12.5 percent of a student loan holder's income
for 15 years from their graduation date. After 15 years, the proposal would forgive the rest of the
student loan holder's debt.
However, experts believe that hardline conservatives in the House and Senate will block any attempt
by President Trump and his administration to fully implement any student loan debt forgiveness.
Some feel that President Trump's stance ... Show more content on Helpwriting.net ...
The Trump administration is closely monitoring the roles of independent regulatory agencies since
the president signed the executive order to reduce the regulatory burdens created by Dodd–Frank.
Since many people consider the CFPB an independent agency, several student loan debt holders are
left to wonder if a federal agency will exist to help protect them from predatory lending practices.
The CFPB helps protect student loan borrowers from lenders who charge excessive fees or creating
obstacles that prevent people from paying off their debt. In January, the CFPB sued Navient, which
is the nation's largest student loan service provider. The CFPB website states that Navient defrauded
or deceived student loan debt holders for years by creating unnecessary obstacles that prevented
them from repaying their student loans. Now, many student loan borrowers fear that the CFPB may
not exist much longer under the new administration, and they will not have an agency that protects
them from predatory lenders or

Benefits Of Student Debt
Student debt is an aspect of life many across America share. There has been a push for more citizens
to attain post–secondary education, as more and more low–skill jobs are being shipped overseas. At
the same time, prices of going to college have gone up significantly, forcing many to obtain loans to
pay for this experience. Although it is often a worthwhile pursuit, the debt caused by these loans of
follow individuals long after they have graduated, sometimes lasting as long as twenty years or
more. And even though most are able to pay of their debts at some point, this burden is often
daunting and impacts those who are weighed down by it. Thus, in order to help people be free their
student debts I have compiled numerous ways to pay student debt off more quickly, as well as
reminding them that even though a college education has its costs, the benefits are worth it.
Although not technically a way to pay off student debts, obtaining as little as possible during a
student's time at college is a good first step. There are many alternatives to loans that don't come
with interest rates and need to repay them. These include scholarships, cash from working, and
federal grants. In regards to the former, scholarships serve as an opportunity to earn cash towards
college that doesn't need to be paid back as well as practice to the essays that every student must
write during college. Additionally, the reward to a scholarship, which often takes as little as a few
days to write up and

Students High in Debts Crisis "The only good thing about student loans is that the day I die my
children will not have to pay for them" (Block). The problem with everyone not being able to go to
college is the cost of it. Many High school graduates don't even think about going to college because
of how crazy expensive it is. Many students drop outs later on due to not being able to keep paying
and the ones who do graduates struggle in paying off their student loans for years. In just Minnesota,
it highly ranks fifth in the nation for student debt. Although not the first, it is still highly in fifth
place for the whole country. Many graduates and students in general all delay and take a pause in
their life trying to pay off all their debts. To lower the student debts, the Federal government and
Minnesota legislature needs to create more programs that would help and give relief to students so
that they won't be graduating with a huge debt to pay off for the rest of their lives. Students
overwork themselves during college and even after graduating and getting their degree. With the
amount of debt on their shoulders, they again overwork themselves trying to pay off the student
loans. Even with ... Show more content on Helpwriting.net ...
It is even harder to get an education and pay for it when Pell grants are getting cut. Pell grants are
mostly helpful to the low income students to afford college, but if the House Budget Committee
plans to cut the budget in Pell grants, it would be more difficult for students to afford and pursue a
higher education. "That proposal would raise the possibility of cutting Pell support by more than 15
percent per student, according to the Committee for Education Funding" (Botzman). This would
definitely take a toll on student debts since students aren't given this opportunity anymore, they'd
take out more loans. Not just struggling low income students, but all students need grants to be able
to attend college at an affordable

Student Debt
With regard of college students having a difficult time being able to pay off their student debt, its
affecting how they're not able to transition into adulthood after college. Student debt has been
forcing countless college graduates back home with their parents (Houle, & Warner, 2017). A
research study looked at different variables that was causing this to occur. They looked at different
backgrounds and social class and how it effects who will be able to transition into adulthood and
those will not be able to (Houle, & Warner 2017). They examine this occurrence by gather
information through survey and longitudinal studies on college graduates. The participants were all
born between 1980–1984 who went college. There were 4,578 participants ... Show more content on
Helpwriting.net ...
They looked how college debt is preventing college students to transition into adulthood. Many
college students who graduate are looking for jobs just to be able to pay off their loans. They're less
likely to pursue a serious relationship, because they're not able to support themselves, and would not
be able to support the relationship financially. Arum, Roksa, (2012) also looked at how college debt
is affecting college student transition into adulthood. They saw that many college students are
having a harder time finding a job after college to be able to pay off their loans and to be
independent from their parents. The participants were college students who graduated college and
was looking for jobs within their major. Many of them remained single after college, because they
were not able to spend money on a relationship because they're weren't financially stable. Both
studies concluded how hard it is for college students to be independent from family and have the
resources after college to help them achieve financial

Student Debt Essay
The social issue of student debt might be one of the most harmful in the long run for society. While
it might not seem like anyone is in immediate danger like in other social issues, it does however
create a dominion effect of other detrimental issues. While some may think student debt only affects
people financially, it has been found that it affects in many more areas in a person's life course as
well. According to Mitch Daniels, president of Purdue University and the former Republican
governor of Indiana "Men and women laboring under student debt are postponing marriage,
childbearing and home purchases, and...Pretty evidently limiting the percentage of young people
who start a business or try to do something entrepreneurial," (Holland, ... Show more content on
Helpwriting.net ...
If people think they will not benefit from a higher education, in fact do the complete opposite and
drive them into debt and at the same time forces them to postpone life events like marriage and
childbearing, why would anyone want to attend college? It could almost appear to be more of a
burden than beneficial. This is a major social issue because if the number of people attending
college decreases, then the less qualified professionals we'll have in society. It brings us to another
issue that could arise... For people under student debt that decided to have kids or wed, regardless of
their financial situation or simply have an unplanned pregnancy it may create many struggles. The
outcome could be depriving the children involved, having marital issues caused by finances, or
overall not living a quality life. The issue also correlates to Marie's post (No Maternity leave for
mommy) because if women don't think they will have benefits from getting an education or being
part of the workforce in general they become less motivated. It is almost forcing future mothers to
pick between motherhood and the workforce. While colleges are forcing people to choose between
getting an education and being in debt, or not getting a higher education at all and avoiding all the
struggles it comes

The rising cost of tuition has lead to more and more financial problems with students causing them
to take out more loans and go deeper in debt. Highscool graduates are skipping college because of
the extraneous stress of financial problems that it causes. College is a necessity now a days to get a
job, but college is also one of the biggest causes of debt. A college graduate has tons of money in
debt but when he graduates he gets a mediocre job that cant keep up with the interest rates on the
loans. The problem of student debt will only be solved by loan forgiveness, more financial aid, and
students being more educated on loans. Since college is a necessity in todays society, companies and
the government should offer loan forgiveness, or add it to their ... Show more content on
Helpwriting.net ...
That causing the students to fault on their loans. Haley Edwards states in " But can America afford
this approach to solving student debt?" Work in public service they can get loan forgiveness in just
10 years." Public service jobs are jobs that are related to the government, these jobs allow student
loan forgiveness after 10 years which is crazy because a college graduates average age is 22 and that
puts them debt free by 32. Others it takes well into their middle age years to pay their debts back.
Loan forgiveness lifts massive amounts of stress their shoulders. Students don't know how to handle
debt. Most students out of highschool don't lnow what loans are and the backlash it could have on
their futures. They have no clue on how to calculate interest, how long itll take for them to pay the
debt back either. " 71% of undergraduates who graduate with debt or the 1 in 7 who end up
defaulting on their loans." (But can America afford this approach to solving debt, Edwards) This
statistic shows that students who are just now entering college that they don't know anything about
loans. Or they don't get jobs that can pay their loans back. " The

Student Debt
A major problem students encounter in higher education is debt. Students acquire these deficits in
higher education for many reasons such as credit card debt, student loans, and high payment plans.
Some people say that dues are not a problem, but it can have a great impact on a student's life – even
after college. This research will make people aware of the growing problem that is indebtedness.
Credit cards are one of the many factors that contribute to student debt. A larger proportion of
college students rely on credit cards for paying direct academic expenses. ''This includes textbooks,
school supplies, and tuition" (Min Zhan 134). Credit cards appear to be a great investment in
college, but they are also problematic. Credit cards are related to higher levels of student drop outs
from college. Student indebtedness are necessary given the rapid increase needed to meet the
ﬁnancial needs of higher education. ... Show more content on Helpwriting.net ...
Analysts have founded that students have socials norms and OCC. Investigators have defined OCC
as the tendency to spend more because of the availability of credit cards. Social norms are the social
rules and standards that are understood to be what's in and what's out . The fundamental purpose of
student loans is to assist borrowers who may not have the resources to finance their educations. With
the rising cost of tuition to get a college degree, you will most likely need a loan.'' Student loan
indebtedness totaled $994 billion dollars and accounted for 9 percent of all outstanding debt"
(Brenda Beauchamp and Jason R. Cooper 540). Students under the current debt market are
permitted to borrow more than they can

Student Loan Debt
Markevia Lee
Wendy Norris
Persuasive Speech Rough Draft Outline
Title: Student loan Debt Crisis
Speaker: Markevia Lee
Specific Purpose: To persuade the audience of their choice of taking out student loans.
Thesis Statement: College is not something to put off until after you have graduated, students need
to find ways to pay for college before they graduate. I. Introduction:
Attention–getter: The increasing trend of college students graduating with significant more student
loan debt than job prospects is both alarming and detrimental to the future growth of the nation. The
cost of education and the widespread of federal student loans have created an education bubble to
rival the housing boom that sparked the recession of ... Show more content on Helpwriting.net ...
The government needs to work to reduce the cost of college tuition because college is necessary in a
competitive economy, tuition has become too expensive for the majority of average Americans, and
the current system of financial aid is ineffective. 2. Government incentives for giving out private
loans freely 3. Will foster smarter economic decisions in terms of which college to choose. 4.
Government can intervene to spur colleges to lower astronomical rates 5. Base on class statistics 83
percent out of 16 percent thinks the government should forgive student loan debt once a student has
completed college and has obtain a job in the field of study.
Source: (http://www.baltimoresun.com/business/federal–workplace/bs–md–fd–workplace–loans–
2015103–story.html.)
Transition: (students often borrow and spend more money than their budget allows.) 1. Class
statistics 92 percent believe many Americans are using loan money for living expenses and other
bills.
Source: (http://www.financialaidfinder.com/student–loan–search/living–expenses/.) 2. A student
with poor budget awareness may run out of money necessary to buy books, pay tuition, or for other
important expenses of living. 3. Many college students may be working with credit or debit cards for
the first time in their lives, and without proper

Student Loan Debt
"Ensuring quality higher education is one of the most important things we can do for our future
generations" (Ron Lewis). There are more students enrolling in post–secondary schools than ever
before and consequently there are more students acquiring large debts. Once a student graduates,
they enter a $33,000 or more student loan debt (Students Loan Resources). These student loans
continue to place graduates into large debts, which is largely caused by their lack of knowledge of
available resources, and this impacts their everyday lives and future generations.
Many students do not know what they are paying for or understand how student loans work, and are
not fully aware of available resources. For assistance, most students know to go to financial aid,
however "financial aid offices allow students to borrow thousands of dollars with several mouse
clicks on online portals" (Farrington). Many students are not properly informed of their options,
such as the many scholarships available to them, but simply take only what is shown to them. Easy
access to loans is a slippery slope and many students fall into holes that they ... Show more content
on Helpwriting.net ...
After graduation, students find themselves in the daunting situation of how to pay their loans.
Students accept jobs they dislike, they begin to depend on their parents, or resort to dropping out
(Hart). Many student find themselves unable to continue their education so they decide either to
drop out or transferred to cheaper schools, such as a community college, consequently placing
themselves at a disadvantage in the careers they desire to enter. In fact, per an article written by
Rachel Beckstead, "those without a college degree are twice as likely to be unemployed as those
with one." Loan debts are a steadfast threat; however, it goes beyond the present

Student Debt And Its Effects On Students
"Debt is a trap, especially student debt, which is enormous, far larger than credit card debt. It 's a
trap for the rest of your life because the laws are designed so that you can 't get out of it. If a
business, say, gets in too much debt, it can declare bankruptcy, but individuals can almost never be
relieved of student debt through bankruptcy." This compelling statement was made by American
activist, linguist, journalist and philosopher, Noam Chomsky. On the topic of student debt, I realize
that it is by far one of the most largest and most considerable issue plaguing college graduates today.
That is why my number one goal is to graduate college, not only for my bachelor 's, but also my
master 's and doctorate 's degrees, debt free. I ... Show more content on Helpwriting.net ...
For instance, Let 's say that I have received enough scholarships to only cover one semester of
college tuition. So in reaction, I apply for enough loans to cover the remaining cost of one year of
college. However, because I didn 't completely understand the terms of the loans that I accepted,
instead of paying back what I borrowed with a reasonable amount of interest, I now owe two times
of what I primarily borrowed. Now while taking all of that into consideration, lets say that before I
applied and accepted the loans to cover the remaining cost of my college tuition, government
agencies took incentive to make sure that I understood the terms and conditions of the loans, which
could then prompt me to consider alternative resources, like getting a part or full time job and
continuing to apply for more scholarships.
I believe that for many individuals the use of loans are inevitable. However, If students are exposed
to more alternative programs and methods such as, scholarships, grants and work study, it will
decrease not only the amount of debt that these students will obtain, but it will also forestall the
potential of students damaging their credits. In the midst of

Student Debt Effects
Student Debt and its Effects on the U.S. Economy
Introduction
Most of the student debts are a result of loans to fund their education. Student loans are significant
for education funding because it is a form of investment. However, the students are normally left
with huge debts after completing their studies and have to struggle financially to acknowledge the
debt when it falls due. This has a negative impact on an economy as these students will minimally
contribute towards their retirement savings due to the financial burden accelerated by the current
high unemployment rate. It is also stated that the students' delinquency and defaulting rates are high
compared to other housing debts (Elliott & Nam, 2013). This is bound to have an adverse effect on
economic growth, and the ... Show more content on Helpwriting.net ...
In addition these students will have problems in accessing loans due to poor ratings from the credit
reference bureaus, and hence have difficulties in purchasing assets such as houses and vehicles,
starting businesses, and venturing into entrepreneurship. Moreover, the U.S. economy depends on
high consumption, and this will force the government to depend on the foreign lenders because its
citizens will lack disposable incomes. However, Valenti, Edelman, and Ostern (2013) observe that
student defaults will not result in a debt crisis. This is because at least ninety percent of student loans
are guaranteed by the government. Moreover, the student loan size is at tenth percent compared to
the mortgage market. The objective of this paper is to critically examine the long term and short
term impact of

The Issue Of Student Debt
1. Write a summary of your policy issue that includes the policy or policy issue.
Interest rates are constantly on the rise along with the cost of tuition and the income levels of
students are not increasing in order to make ends meet. Therefore, student debt is spreading
rampantly across our nation and is becoming a tremendous issue. Student debt is a topic that is
relevant in today's society because it affects such a large portion of the population. Furthermore, it is
affecting the country 's economy in many ways. With the accumulation of debt, students are unable
to afford to purchase a home, or at times, a brand new car because there is simply no way that they
can afford such a large investment while they scramble to pay their loans. ... Show more content on
Helpwriting.net ...
2. How are stakeholders affected by this issue? In other words, what populations or other entities are
affected by or contributing to this issue and how are they affected? How may this issue be affecting
populations specific to Florida?
As many would be led to believe, student debt affects the vast majority of young people in this
country. According to Daniels, seventy percent of students who have recently graduated are now
considered to be under the category of borrowers (2015). In relation to the population, that is a total
of forty million people (Daniels, 2015). Unfortunately, many of these students are reaching the point
of possibly defaulting on the loans they have accumulated (Daniels, 2015). Although students are
now being educated about being very careful when taking out loans, many do not have a choice.
Student debt seems like a nonstop revolving door for us young people. The sum of the student loan
debt that the population of forty million Americans has is a total of $1.2 trillion in college debt
(Student–loan debacle, 2014).
In Florida, the issue of student debt primarily affects students; however, it also affects the state as a
whole because it affects the economy and the housing market (Student–loan debacle, 2014).
Additionally, adults over the age of forty are still paying off their student loans and trying to pay off
mortgages at the same time (Munarriz, 2014).
Furthermore,

Student Debt Argument
While finishing up college, student Andrew Kirk explains that "before [he] even knew about [his]
options for repayments, [he] had a very pessimistic view about how things would turn out for [him]"
(Nadworny). An excelling amount of students have thousands of dollars in student debt and are
fearing the dreadful long years that it will take to repay it back. This essay will argue that student
debt has increased extremely over the years and how certain solutions can terminate debt for good.
Today, the fear in every high school senior's mind is the dreadful debt they will be in if they
withdraw a loan. The rapidly rising "debt is money owed on a loan taken out to pay for educational
expenses"(Student Debt). The main reason there are millions ... Show more content on
Helpwriting.net ...
One argument is that "federal student loans have robust protections in place to help borrowers who
are in a tight spot"(Josuweit). Some of these protections are deferment and forbearance or income–
driven repayment plans. Forbearance can be used to pause monthly payments temporarily and
income–driven repayments can lower monthly payments to match the students income, costs of
living, and family size. These protections help out students who do not get a high–paying job right
out of college and may have to demonstrate unemployment or another economic hardship to qualify.
Equally important, "the Direct Loan program plays a key role in providing millions of Americans
with an opportunity to obtain a postsecondary education"(Josuweit). Without student loans, a great
deal of students would not have the opportunity to obtain a higher educational degree. Student loans
give the possibility to low–income families to be admitted into college without the doubt of not
being able to pay. Lastly, some argue that "the upside of student debt is that ... it may be possible to
earn significantly more or to pursue a more personally fulfilling career, making the debt financially
or emotionally worthwhile"(Fontinelle). This argument comes from if one wants to enjoy their job,
they need to get the correct amount of education in their field of desire, no matter the debt.
Conclusively, there are plenty of upsides to loan debt, but in all, the increased debt of student loans
should be subsidized to lessen this

The Problem Of Student Debt
I. Definition of the problem: Student debt has become a major problem for our college graduates to
not only to start their career but also starting their lives living independently.
a. Symptoms. How does the problem show itself, or what are the difficulty? With the high tuition,
books and supplies, graduates are paying more that they can afford for their education. The average
Virginia college graduate leaves school more than $29,000 in debt (Marcus). Unfortunately, students
feel like they have to go to college to succeed in life and with the rising cost of school, their debt can
only get bigger.
b. Size. How large is the problem? Increasing or decreasing? What result can be expected if the
problem is not solved? According to the Department of Education, federal student loan debt totaled
$1.2 trillion this year, after skyrocketing from $55.9 billion in 2005 (Marcus). At public colleges,
tuition has generally been driven up by increased spending from administrators, student support
services, and the need to make up for reductions in government subsidies, according to a report
issued by the Delta Cost Project, a nonprofit based in Washington, D.C.(Kim). Since the recession
hit in 2008, students and graduates have been faced with the reality of unemployment after
graduation. More often than not, graduates find themselves moving back home after graduation
because high loan payments prevent them from being financially independent (Shabazz). If the cost
keeps rising it can may

Problem With Student Loan Debt
Student loan debt is a problem many students have when entering or applying for colleges, student
loan debt affects students even after they are out of college and effect them for many years. Many
students who experience loan debt also have higher rate of depression rates and also has a higher
rate for suicide. As year have gone by student loans has increased by almost a whopping 20% and is
expected to grow even more as time goes by. The problem affects so many people most are college
students trying to get a education to be able to make money as a job setting and get some experience
on how to do the job properly. This affects students a lot in the short term of things including the
students being in debt for about 5 years after the graduate, some are affected long term, because they
were not able to find the proper job that ... Show more content on Helpwriting.net ...
As time elapsed stats show that the use of college dropped by 5% because the colleges were to
expensive or they did not allow students to come in using loans. Some of the reason that the student
loan is so high is because the state is in so much debt Minnesota is approximately 56.231 Billion
dollars in debt and student loan payments mostly go towards the state. With each new asset that is
added to the state such as Law Enforcement, Parks, Schools, Government Offices, etc. the more the
state goes into debt causing colleges to pay more in order to keep their doors open as a option for
students. Many student do not like the fact that in order to make money the need college but the
money that is already have is not enough, meaning they end up needing loans. 2017 stats show that
about 1 in every 2 students that go to college has loans that they are currently using and about
67.88% of graduated college students are in some sort of student loan

Student debt has passed over a trillion dollars around the U.S. When students finally graduate from
high school they are excited to apply for tuition to attend college. There has been many concerns of
students complaining about how college is so expensive. Some students may have the money to pay
for college or even a private university. But, the people who are in the middle class don't find it easy
to pay. There is many solutions to the student debt around the U.S. Students can apply for
scholarships, complete FAFSA, or they should understand college cost. A huge problem in the U.S
is not being able to pay for college but there is many solutions to it. The first route many students
take is applying for scholarships throughout their high ... Show more content on Helpwriting.net ...
In the article " Scholarship Sharing Students Share Strategy To Avoid Debt" Author Mark Gormus
shares Lorraine SantaLucia story on how she "Basically made scholarshipping her full time job"
(Gormus 11). Applying for scholarships can be a very good idea because they're easy to apply for
and it doesn't take anything to do it. There are scholarships for almost everything and everyone it's
just a matter of what scholarship best fits the student. Many students can't seem to figure out how to
apply for them SantaLucia says "They don't know where to look. They don't know where to start."
(Gormus 11). All it takes for students is to sit down and hunt for them, students can find almost
anything it just depends on how determined the student is to attend college. Even if the scholarship
is for a very minimal amount anything helps out, it's money you did not have before so that's why it
is a good opportunity. There are scholarships for many people, "They've found scholarships for tall
people, short people, and even for creative types who make prom dresses out of duct tape"(Gormus
11). Students just don't where to go find them, the negative of this solution is that most students
aren't willing to put time and effort to hunt for the

Student Debt Crisis

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