This document discusses the ethics of student loans in the United States. It notes that total US student loan debt now exceeds $1 trillion and increases by $3,000 every second. This large amount of debt limits borrowers' choices and opportunities after college and negatively impacts the economy. The document analyzes the student loan system through the lenses of critique, justice, and care. It critiques who controls and benefits from the current system and calls for standardization of financial aid information and accountability from colleges to better support students. Solutions discussed include loan forgiveness and redesigning the higher education funding system.
Access the archived webinar here: http://www.aacrao.org/conferences/conferences-detail-view/understanding-student-college-choice
Academic research on student college choice has expanded dramatically over the last five decades. Much of the impetus for this research was the growing interest among institutional policy makers on how they might influence student enrollments. In this webinar, we will provide an overview of research about college choice that is relevant for admissions and enrollment management professionals. In particular, we will review the factors that influence students’ decisions and the timing of their college choice process. We will discuss differences among white, African American, Latino, and Asian American students with respect to these factors, as well as research on the factors influencing nontraditional students’ college choice. Throughout this webinar, we will highlight the relevance of this body of research for institutional policies and practices.
Access the archived webinar here: http://www.aacrao.org/conferences/conferences-detail-view/understanding-student-college-choice
Academic research on student college choice has expanded dramatically over the last five decades. Much of the impetus for this research was the growing interest among institutional policy makers on how they might influence student enrollments. In this webinar, we will provide an overview of research about college choice that is relevant for admissions and enrollment management professionals. In particular, we will review the factors that influence students’ decisions and the timing of their college choice process. We will discuss differences among white, African American, Latino, and Asian American students with respect to these factors, as well as research on the factors influencing nontraditional students’ college choice. Throughout this webinar, we will highlight the relevance of this body of research for institutional policies and practices.
Who is Not Studying Abroad? An Examination of Three Institutional Perspective...CIEE
To understand how to expand education abroad opportunities, we need to understand who is not going abroad. Presenters will share what they've done (or are doing) to expand participation with respect to the barriers of cost, curriculum, and culture. Participants will be invited to share best practices on how to change perception and make study abroad – academic study, work, or internships – more accessible. Case studies will include the Clemson Engineers for Developing Countries (CEDC) Haiti Initiative, an innovative student-directed program; Susquehanna University, which made study away a curricular requirement; and Medgar Evers College, the only Predominantly Black College (PBI) in the City University of New York, will explain how a one-person office has increased the numbers of underrepresented students going abroad.
A photovoice presentation by Olivia Andringa, Sam Larsen and Becca Smith. Uploaded here to host on https://blogs.uw.edu/rmhersh for educational purposes.
Who is Not Studying Abroad? An Examination of Three Institutional Perspective...CIEE
To understand how to expand education abroad opportunities, we need to understand who is not going abroad. Presenters will share what they've done (or are doing) to expand participation with respect to the barriers of cost, curriculum, and culture. Participants will be invited to share best practices on how to change perception and make study abroad – academic study, work, or internships – more accessible. Case studies will include the Clemson Engineers for Developing Countries (CEDC) Haiti Initiative, an innovative student-directed program; Susquehanna University, which made study away a curricular requirement; and Medgar Evers College, the only Predominantly Black College (PBI) in the City University of New York, will explain how a one-person office has increased the numbers of underrepresented students going abroad.
A photovoice presentation by Olivia Andringa, Sam Larsen and Becca Smith. Uploaded here to host on https://blogs.uw.edu/rmhersh for educational purposes.
What Can Your Law School Do For You? An Approach to Alumni and Constituent E...Robert Gurry, Esq.
Alumni giving and participating has been on the decline. People are busier than ever and have more competition for their attention and giving. How does a modern law school re-engage with its alumni?
Olson, james caring and the college professor focus v8 n1 2014William Kritsonis
William Allan Kritsonis, Editor-in-Chief, NATIONAL FORUM JOURNALS (Founded 1982). Dr. William Allan Kritsonis, Distinguished Alumnus, Central Washington University, College of Education and Professional Studies, Ellensburg, Washington; Invited Guest Lecturer, Oxford Round Table, University of Oxford, United Kingdom; Hall of Honor, Prairie View A&M University/Member of the Texas A&M University System. Professor of Educational Leadership, The University of Texas of the Permian Basin.
Olson, james caring and the college professor focus v8 n1 2014William Kritsonis
NATIONAL FORUM JOURNALS (Founded 1982 (www.nationalforum.com) is a group of national and international refereed journals. NFJ publishes articles on colleges, universities and schools; management, business and administration; academic scholarship, multicultural issues; schooling; special education; counseling and addiction, international issues; education; organizational theory and behavior; educational leadership and supervision; action and applied research; teacher education; race, gender, society; public school law; philosophy and history; psychology, and much more. Dr. William Allan Kritsonis, Editor-in-Chief.
Codujota's Theory of First Generation Low-Socioeconomic Studentsatalbot_21
This theory was created for a Student Development course. It examines the impact of various campus services on first generation students and what factors lead to their academic success.
Txt 4 Success: Utilizing text messaging to shift students' college-going beha...Jessica Vodden
Across the world, outreach professionals are finding that text messaging can be an effective platform to address social issues by prompting changes to individuals' behavior and serving as an outlet to provide personalized counseling and support. This presentation focuses on the experiences of two organizations - the West Virginia Higher Education Policy Commission (HEPC) and uAspire - in utilizing text messaging to promote college access and support college retention and success. The projects featured are supported by the work of Signal Vine, LLC, a company specializing in personalized, two-way text messaging platforms tailored to the needs of education organizations. HEPC is a state agency which serves as the coordinating body for West Virginia's public four-year colleges and universities. uAspire is a non-profit organization focusing on college affordability. This work is informed by the research of Drs. Ben Castleman and Lindsay Page and funded in part by the Kresge Foundation. Co-authors/presenters: Dr. Sarah Beasley, Alexandra Chewning, and Brian Kathman.
Running head BEING A STUDENT IN AMERICA TODAY .docxtoddr4
Running head: BEING A STUDENT IN AMERICA TODAY 1
BEING A STUDENT IN AMERICA TODAY 4
Being a Student in America Today
Being a Student in America Today
The success attained in life is a result of the knowledge and skills that one has acquired over various schools of life. Education is thus indeed the key to life that opens up opportunities and avenues through which an individual can always fight to ensure that he makes his life better. This presents me with the situation of the American students and the need to understand what entails being a student in America today. Various factors influence how students engage in their academic lives; some have been challenges that have motivated them while some have always pulled down the ladder making it difficult for them to achieve their academic goals. Therefore, this paper tries to what it takes up to be an American student today, the challenges and risks as they try to make their future lives better.
Education is a stepping stone for one`s success in life. The skills, knowledge, and overall experience obtained from learning provide one with an opportunity to be successful in life. (Perna, 2013) in her book Preparing today's students for tomorrow's jobs in metropolitan America, she has provided some of the essential tools in which a good life can be attained. She identifies that education. American metropolitan is one such area that requires one to be highly competent in what they do. They must be well equipped with the relevant skills, and knowledge for the jobs that await them. As a result, (Perna, 2013) states that earning a decent living in America requires at least some postsecondary education. One has to at least have some trained skills. Therefore, this has been the motivational factor for most of the students. Students understand that acquiring that diploma, undergraduate degree or even master’s degree is an avenue to at least a better life. This has given students from all diversities to work hard.
The research in the book “No longer separate, not yet equal: Race and class in elite college admission and campus life” by (Espenshade & Radford, 2013) provides another dimension on what it entails being a student in America today. Things have changed over the years and the transition has only made education accessible to all individuals in society. The ability to compete in class and on the campus as a whole has given the students from minority an opportunity to compete for the limited changes in society. Life has been made easier for all individuals that value working hard. Therefore, with equal opportunities in these learning institutions, it all depends on the ability of the students to initiate appropriate measures that would eventually make them successful in society.
American society today has high expectations for postsecondary students. In a so.
Running head BEING A STUDENT IN AMERICA TODAY .docxhealdkathaleen
Running head: BEING A STUDENT IN AMERICA TODAY 1
BEING A STUDENT IN AMERICA TODAY 4
Being a Student in America Today
Being a Student in America Today
The success attained in life is a result of the knowledge and skills that one has acquired over various schools of life. Education is thus indeed the key to life that opens up opportunities and avenues through which an individual can always fight to ensure that he makes his life better. This presents me with the situation of the American students and the need to understand what entails being a student in America today. Various factors influence how students engage in their academic lives; some have been challenges that have motivated them while some have always pulled down the ladder making it difficult for them to achieve their academic goals. Therefore, this paper tries to what it takes up to be an American student today, the challenges and risks as they try to make their future lives better.
Education is a stepping stone for one`s success in life. The skills, knowledge, and overall experience obtained from learning provide one with an opportunity to be successful in life. (Perna, 2013) in her book Preparing today's students for tomorrow's jobs in metropolitan America, she has provided some of the essential tools in which a good life can be attained. She identifies that education. American metropolitan is one such area that requires one to be highly competent in what they do. They must be well equipped with the relevant skills, and knowledge for the jobs that await them. As a result, (Perna, 2013) states that earning a decent living in America requires at least some postsecondary education. One has to at least have some trained skills. Therefore, this has been the motivational factor for most of the students. Students understand that acquiring that diploma, undergraduate degree or even master’s degree is an avenue to at least a better life. This has given students from all diversities to work hard.
The research in the book “No longer separate, not yet equal: Race and class in elite college admission and campus life” by (Espenshade & Radford, 2013) provides another dimension on what it entails being a student in America today. Things have changed over the years and the transition has only made education accessible to all individuals in society. The ability to compete in class and on the campus as a whole has given the students from minority an opportunity to compete for the limited changes in society. Life has been made easier for all individuals that value working hard. Therefore, with equal opportunities in these learning institutions, it all depends on the ability of the students to initiate appropriate measures that would eventually make them successful in society.
American society today has high expectations for postsecondary students. In a so ...
Student Loans: What Financial Practitioners Need to Knowmilfamln
This 90-minute webinar will focus on providing financial practitioners with tools and resources to aid clients in selecting student loans. The webinar speakers will discuss research findings related to student loan research and student loan/financial aid education best practices and experience.
Introduction to AI for Nonprofits with Tapp NetworkTechSoup
Dive into the world of AI! Experts Jon Hill and Tareq Monaur will guide you through AI's role in enhancing nonprofit websites and basic marketing strategies, making it easy to understand and apply.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Macroeconomics- Movie Location
This will be used as part of your Personal Professional Portfolio once graded.
Objective:
Prepare a presentation or a paper using research, basic comparative analysis, data organization and application of economic information. You will make an informed assessment of an economic climate outside of the United States to accomplish an entertainment industry objective.
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Welcome to TechSoup New Member Orientation and Q&A (May 2024).pdfTechSoup
In this webinar you will learn how your organization can access TechSoup's wide variety of product discount and donation programs. From hardware to software, we'll give you a tour of the tools available to help your nonprofit with productivity, collaboration, financial management, donor tracking, security, and more.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
1. The Ethics of Student Loans
Theresa Popp Braun
EDLS 7110
Spring 2014
Dr. Patrick Pauken
2. ASSUMPTIONS
•An educated citizenry is a desired
societal goal - society benefits
•Balance access, cost, student rights &
responsibilities, institutional rights &
responsibilities
•Work In Progress
•All data - US student loans
•Terminology defined
3. HOW MUCH IS ONE TRILLION DOLLARS?
TOTAL U.S. STUDENT LOAN DEBT NOW EXCEEDS
$1,000,000,000,000+
AND INCREASES BY APPROXIMATELY
$3,000 EVERY SECOND
4. Source: Consumer Finance
Protection Bureau and American
Student Assistance, 2013
Average debt
2012 graduate
$29,400
Since 1985 the
cost of higher
education in the
US has risen
500%
Current default
rate is 14.7%
5. WHY IS STUDENT LOAN
DEBT A PROBLEM?
• Limits choice and opportunity for borrowers -
economic, social, additional education
• Negatively impacts economy
• Negatively impacts college accessibility for some
students
• Contributes to the increasing cost of higher education
7. THE ETHIC OF CRITIQUE
• Social arrangements lack neutrality - the usual structure
benefits some segments of society at the expense of
others (Starratt, 1991)
• Critical Theory - expose which group has the advantage
over others, how this social arrangement came to be, and
how this situation is structured to maintain the legitimacy
of the social arrangement (Adorno, 1973; Habermas,
1973; Horkheimer, 1974; Young, 1990)
• Ethical challenge is to enable those affected to have a
voice in evaluating and changing the arrangement
(Starratt, 1991)
8. THE ETHIC OF CRITIQUE
WHO CONTROLS?
WHO LEGITIMATES?
WHO DEFINES?
• Federal Legislators
• State Legislators
• Lenders & Collection Agencies
• Lobbyists
• Colleges and Universities
• Financial Aid Counselors
• Admissions & Career Counselors
• High School Guidance Counselors
9. Who benefits
at the
expense of students?
Who controls
the loan process?
Source: www.collegescholarships.org
11. STUDENT CRITIQUE
DID I BORROW THAT MUCH??
• Financial aid/loan information is confusing,
complicated, and not timely
• It’s difficult to compare cost and financial aid award
information across institutions
• Where’s the information on outcomes?
Career/Income counseling? Loan Repayment?
12. THE ETHIC OF JUSTICE
HOW SHALL WE
GOVERN OURSELVES?
• Principle of Benefit Maximization (Strike, Haller, and
Soltis, 2005) The best interest of the students is the
benefit to be maximized.
• Students must play by loan and education funding
rules they have no part in formulating (Howe, 1993)
• Students have a right to receive the information
needed to make competent choices and “decide
responsibly” (Strike et al., 2005)
13. THE ETHIC OF CARE
WHAT DO OUR RELATIONSHIPS
ASK OF US?
• Students should be treated as ends not means
(Starratt, 1991)
• See and respond to student needs (Gilligan, 1982)
• What are the motivations behind the relationships?
Students, lenders, legislators, lobbyists, counselors
(Starratt, 1991)
• Desire to see a person enjoy a fully human life (Strike
et al., 2005)
14. ...SOLUTIONS??
• Standardization of financial aid and loan information
and loan/debt counseling
• College and university accountability for cost
containment and outcomes
• Redesign the higher education funding system
• Student loan forgiveness - BIG debate!
16. REFERENCES
Abernathy, P., Asher, L., Cheng, D., Cochrane, D., Mais, J., & Thompson, J. (2013).
Aligning the means and the ends: How to improve federal student aid and increase
college access and success. Retrieved from The Institute for College Access &
Success website: http://www.tcias.org
American Association of State Colleges and Universities. (2007, July). Student loans and
public accountability. Washington, D.C.: Hillman, N.
Chen, H. & Volpe, R. P. (1998). An analysis of personal financial literacy among college
students. Financial Services Review, 7, 107-128.
Collinge, A. (2009). The student loan scam: The most oppressive debt in U.S. history and
how we can fight back. Boston, MA: Beacon Press.
Howe, K. R. (1993). The liberal democratic tradition and educational ethics. In Strike &
Ternasky (eds.), Ethics for Professionals in Education (Chapter 2, pp. 27-42).
Johnson, C. L. (2012). Do new student loan borrowers know what they are signing? A
phenomenological study of the financial aid experiences of high school seniors and
college freshmen (Doctoral dissertation). Retrieved from http://lib.dr.iastate.edu/etd/
Gilligan, C. (1982). In a different voice: Psychological theory and women’s development.
Boston, MA: Harvard University Press.
Ross, A. (2013). Mortgaging the future: Student debt in the age of austerity. New Labor
Forum, 22(1), 23-28. doi:10.1177/1095796012471638
Starratt, R. J. (1991). Building an ethical school: A theory for practice in educational
leadership. Educational Administration Quarterly, 27, 185-202.
Strike, K. A., Haller, E. J., & Soltis, J. F. (2005). The ethics of school administration (pp.
7-20, 52-64). New York: Teachers College Press.
Vedder, R. K. (2004). Going broke by degree: Why college costs too much. Washington,
D.C.: The AEI Press.
Whitsett, H.C. & O’Sullivan, R.O. (2012). Lost without a map: A survey about
students’experiences navigating the financial aid process. Retrieved from NERA
Economic Counseling website: http://www.nera.com
