Argumentative Essay On Student Debt

The student loan issues are causing huge problems on both students and society it seems clear enough that students are borrowing a lot of student debt, and they are failing on that debt and aren’t capable of paying it back and that is destroying their ability and threatening their ability to access any more credit in the future. The approaches students are taking to a student loan debt collection are fraught with many problems, including bad recovery tactics and failing on making repayments on the debt. There is no escaping the fact that the cost of college tuition is on the rise and it’s not declining, and that is making it more difficult for students to obtain a degree which is really important to acquire to be able to function in today’s

Since the time children enter the modern day elementary system, they are told the only way to be successful is to go to college. American students look up to their parents who have a college degree and a good job, and think “I want to be successful one day like that.” The pressures are very high for kids all over the United States. With the addition of the higher education, comes more pressure to do well, and also pressures to be able to walk right into the workforce and get a good job. The pressures of not going to college are also really high. Most Americans without a degree have to work more, for less, just so they can support themselves and their family.

College costs are skyrocketing, and at the same time we have students wanting to learn and become educated in order to contribute their knowledge to society. The student loan debt crisis is weighing upon us, so we need to reform the system. If I had the power to make a change, I would cut the costs of college education and lower student debt by a reformed banking system. One of the major causes of the student loan debt crisis is high interest rates for student loans. Too many banks offer loans and do not think how these students are going to pay back the money.

Every semester, there are an abundant number of students who apply for Pell Grant to assist them with the costs of college. Sometimes, students will not meet the financial criteria because their parent’s income is a bit too high or because of other financial factors that they will not qualify. Thus, it puts a student in a situation where they will take out student loans, that they’ll be paying for many years. Clearly, the result of being someone who has not committed a crime and works to pay for their own education, is the one that pays the ultimate price. Yet, congress wants to financially grant prison inmates a free education, while exemplary citizens are denied.

Most parents find it hard to pay for college. College is not worth the cost considering there are jobs for people that do not go to college, Time could be used at a job, and Students end up in major debt. Instead of students going to college, they could go straight into the workforce. Going to college helps obtain you better jobs. The effort students put into receiving a degree is not the same as ten years ago ( Shierholz ).

Stress has corrupted student performance in community colleges today. According to Dictionary.com “A community college is a nonresidential junior college established to serve a specific community and typically supported in part by local government funds.”  Students should be able to succeed; however, they sometimes face difficulties during their academic journey, which is caused by stress. Thus, there is a correlation between academic performance and stress. “Stress is the  continuing feeling of worry about your work or personal life.” says Longman dictionary. Therefore, there is major concern for students about the causes that provoke stress.

However, college tuition is not very affordable and is increasing every year. A free college tuition is definitely necessary for students because some are paying for college themselves, the college workload is stressful enough, and scholarships, grants, and financial aid doesn’t cover all costs. College tuition should be free because it would create positive changes for people attending college, universities, and the economy. First, most students are paying for their own tuition themselves because either they want to be independent and do so, or because their parents have made that decision for them. According to Newberry, the average cost a year of undergraduate studies at a private university now tops $21,000.

Post-secondary education is imperative, considering the fact that those who obtain some form of higher education are less likely to be unemployed or live in poverty. The social issue that plagues my community most is the low enrollment of students at post-secondary institutions. Having a higher education is one of the key components of a healthy, stable, and successful life. Nonetheless, students shy away from a post-secondary education for several reasons, including tuition costs, lack of encouragement to attend a college/university, difficulty level, and the chance to earn more money without attending college. Because of society’s lenient standards, higher education is becoming progressively irrelevant to students.

I am a strong believer that not everyone should go to college. There are many reason why I believe this, one of those reasons being that some people cannot pay the tuition costs. Another reason, is that most new college students are not ready for the responsibility or responsibilities of managing their own lives. The third reason is that, some new college students are just not cut out for college. I know that some people out there would say that there are programs that could help students pay for college and help with study for classes but those programs are not always available for all students.

There wouldn’t be opportunity for growth in this country without successful graduation rates. The future of our country depends on the scholars that colleges produce. Without a thoroughly educated society, America would hit the floor and relapse into a deep depression. Jobs would disappear because the ones applying for them wouldn’t get accepted because they aren’t qualified. Even though dropout rates rise each year in America, college application rates are also on the rise because graduating high school students understand the importance of attending college.

For generations there has been escalating problems on the rising costs for the college education,problems that are still taking place to this day.College is another step of education that many prefer but because of the economic problems, few attend.However,there are many ways to pay for college in this present age.College can be paid through scholarships,federal student loans and private student loans.This essay will illustrate the many ways that can solve the worlwide problem. Scholarships are highly benefecial to a low income audience..Many believe that you must have excellent academic skills to obtain one,but on the contrary that is quite wrong.There are many others ways to gain a scholarship.The text depicts,”For a student adept...calling ducks or just being tall (over 5’10)”(Source 1).So the text proves that academic skills are not the only things that can give you scholarships.Also,there are grants that provide you with sufficient income to pursue a college career.The text implies,”The money you receive will go directly towards the cost of college and you do not have it back…” (Source

Once you get out of college you may be on the search for a job while those who didn’t go to college might already have one, that’s great and all except if they happen to lose their job they don’t have a backup plan. In conclusion, many people believe that college is not worth it, I disagree. College education is worth the expense of tuition. After paying off student loans that is if you even have any you will from that point on start building up your money. Between the difference in yearly salary’s between college graduates and students with just a high school diploma.

I agree with this article. For-profit colleges help people in their education in a lot of different ways. However, many people earn a degree to get a job. If the debt that they procure while doing so is more money than that which the degree can help pay off, that degree will have lost its meaning. Andrew Hacker and Claudia Dreifus support this argument in their article “Are Colleges Worth the Price of Admission?” when they criticize colleges for not focusing on the right priorities to aid undergraduate learning.

The problem is the lawsuits that are holding the NCAA back from doing so and they also make arguments of paying college athletes pointless. Most people agree that if college athletes did get paid it wouldn’t be a total shock but it is just not that easy. These kids should just go through college like the alumni did and it will all payoff when they get their first major job paycheck. The point of college is to get you ready for the real world and if college athletes get paid while in college it totally defeats the purpose of college. Previous alumni didn’t get paid to play sports at their college so what makes the new athletes special.