Causing Student Debt

In the article “Debt Education: Bad for the Young, Bad for America”, Jeffrey J. Williams explains the damage student debt causes past and present college students. Williams argued that more than half of the college students and their families are in debt from having to make such large payments toward the rising costs of colleges. Though, Williams also states a higher degree or education will lead to a high income and all around better jobs, the risk of being unemployed after college is too great. This is considered to be good for individuals, as it will maximize their economic potential. It is also good for society as a whole as people are getting better education, and rising to greater expectations in the world. Williams mentions the opportunity

The author uses false statements and fallacious reasoning in the argument “Sidestepping Students Debt”. One example of the author’s false statements is, “Smart students everywhere are refusing to accept the unwritten law that attending college results in overwhelming debt. Instead, these smart students sidestep serious college debt before college even begins.” This is a false statement because it is not only saying that only smart students are the ones sidestepping the debt but, also saying that people with lesser grades will not sidestep their debt. It is false because any kind of student can try and hopefully succeed in sidestepping their debt.

Thus, it stands to reason that the article’s purpose is to support the argument that predatory lending practices are at fault for the debt young adults experience. Macias uses personal experience immediately peppering in researched data to support his findings and conclusions on how the credit card industry wholeheartedly takes advantage of young America. His article captures the reader’s focus by appealing to pathos and tugging at pity in the reciting of how Macias was taken advantage of by credit lenders. Carlos Macias’s argument for the debt accrued by college aged adults being the fault of the credit card companies themselves roots itself in his rhetoric. From his skillful hooking of the audience with information garnered from personal experience to the utilization of logos throughout the paper presenting itself as careful and reliable research. He discusses how one of his favorite stores to shop in is the GAP and upon shopping there on one Spring Break the store clerk present had persuaded him into enrolling in a program that entailed opening a GapCard. Carlos Macias was persuaded into this program

For the past two-hundred years, America has been a nation of profound ideals and values. One of the most fundamental of the these being the American Dream. The American dream has long been thought to be what separates the US from other nations. Nowhere in any other country can a person find anything quite like the American Dream. The American Dream is what turned thirteen ragtag colonies into the greatest country on earth. Unfortunately, as the nation changed so did the American Dream. On the whole, change is beneficial and the change this nation has experienced since its inception has made the nation stronger. The changes to the American Dream, however, were not as positive. Webster's dictionary defines the American Dream as “A happy way

This essay is analysing the Surfrider Foundation littering ad from their blog. The ad had an image of sushi expect it had something different about it. The wrap that the rice would have been made up of was made of a plastic bag. This images has the intentions of appealing to the ethical side because it makes you think of what really can go into your food when people around the world litter. Along with the caption, “What goes in the ocean goes into you”, this ad was most definitely made to connect to the views of pathos, and logos. However, the pathos appeal is the strongest and the ethos appeal isn 't actually included with this advertisement.

"By making college unaffordable and student loans unbearable, we risk deterring our best and brightest from pursuing higher education and securing a good paying job" (Pocan, 2016). High school seniors advance into college with little income and no knowledge of managing large expenses. Although college incurs significant debt, it has positive lifelong benefits such as a better job, higher salary with benefits, and obtaining an opportunity for a fuller life.

Danny Schechter wrote Investigating the Nation’s Exploding Credit Squeeze, two years before the 2008 world crisis. It is said that only true crisis can lead to change, an explanation to why so many people ignored the signs. Everyone is a target to the credit industry, not only the poor or middle classes. In a consumption driven culture, it is impossible not to spend your money and get into debt. Products seem fairly cheap, companies are always suggesting that you are making “a great bargain”, “buy two and one free” and it seems that everything is always “on sale” (Schechter 357). In the documentary In Debt We Trust by, Schechter talks about how the mall has replaced the factory as America’s dominant economic engine. The film shows how big banks and credit cards companies drive Americans to become sheep. Schechter is clear when he says that a bubble could burst, and comparison of the USA today is comparable to Rome before its fall (Schechter 358). Government loans are comparable to “mafia loan” because of their outrageous interest rates. In Debt We Trust shows behind the scenes of what the big banks and credit card companies do to their targets. It also demonstrates how advertising can be a seducing and powerful trap (Schechter 358). For the credit card industry, the newest target is the lower class. Steve Barnett, a former credit card company

Just how awful has the student loan strain become? Rhetoric of crisis influences the present popular discourse, while very few voices call for tranquil, noting the average number of student indebtedness is approximately equal to the cost of a new car. concealed by the aspect and attention captured headlines, though, it is a more embarrassing picture exposing that all classes and groups of students will not bear the increasing debt hardship equally: women, students of color, and Low-income household students are more greatly affected by this escalated debt. I have currently revealed the 30,000 dollars is the typical amount of debt that students will acquire after attending college for four years. Though the cost of college is increasing, a variety

Columnist Scott Gilmore brings to light the operations of payday loan companies and the impact that they have on society. Although the payday loan companies seem to take advantage of the financially vulnerable members of society, perhaps the true fault lies within the education of society. A devastatingly large portion of society seeks out payday loans, and the results are appalling. As mentioned by Gilmore in the article, “[A correlation was found] between the number of payday lenders in a neighborhood and premature mortality”. This reveals a lot regarding the repercussions of seeking out loans that in turn create greater loans. The stress caused by financial troubles takes quite a toll on the human body and mind, and efforts need to be made

For many years, companies have utilized advertising as a useful tool to promote their brands, convey a message, or sell their products. In today’s world, advertisements can be seen almost everywhere from enormous billboards along highways to a diminutive ads on a phone. But not all advertisements are successful. To convey a message, advertisements must contain rhetorical devices such as pathos, logos, and ethos. A good example of how rhetorical devices are used to persuade an audience is the Edward Jones “Nine Days” commercial. This commercial uses rhetoric elements, such as a well-structured narrative, convincing imagery, and logical argumentation, in order to persuade the audience to believe that Edward Jones is the right company to handle their different types of

The article written by Caroline Bird “College is a waste of time and money” (1975), in which she addresses that colleges are not made for everyone, and persuade students and parents take a second thought about spending their time and money in tuitions. The author implies that college sells their institution to convince them to prefer them from the other universities. As an example, in this essay I will describe the rhetorical appeals of Texas A & M University’s website sells technique.

Student loans is the second highest source of debt of $2.1 trillion dollars in the U.S. economy right now. This student loan debt is not only affecting the entire economy as a whole. In America, people believe that earning at Bachelor’s degree is the key to success in order to be financially secure be set in life. However at the same time, the cost of tuition has skyrocketed, and the borrowing of loans rise with it. The rising of student loan and debt will reduce consumption, lower investing, lower the rate of home ownership, and overall make it difficult to sustain financial stability.

on how the individual can help their debt rather than how to solve the student debt crisis

a similar group in 2010, found more college correlated with less dementia” (Belluck). This shows that college can have a beneficial impact for mental health. By going to college, a person is less likely to live an unhealthy lifestyle, and may keep their cognitive health for longer.

Student loan debt loads have been spiraling, doubling over the last decade, and the enrollment rates of young people from lower socio-economic groups are rising far slower than middle and upper groups. Governments must recognize the renewed public investment in post secondary education is an economic and social imperative. 6.7 million borrowers in repayment mode are delinquent (Snider 1). The sad fact is that many lenders aren't exactly incentivized to work with borrowers. Unlike all other forms of debt, student loans can't be discharged in bankruptcy. Forgiveness programs can be lifesavers for borrowers drowning in student loan debt (Snider 1). However, jobs for recent grads are harder to find and salaries are lower, but that won't last forever; in spite of all of this, the data make clear that getting a college education is still a good idea. College graduates earn more and are more likely to have a job in the first place, and is especially important for some Americans (Webley 2). According to the Bureau of Labor Statistics in 2010, the unemployment rate was 9.2 percent for those with only some college and more than 10 percent for those with just a high school degree, but it was 5.4 percent