As the price tag on college is shooting up and the amount of federal funds are minuscule in comparison, students are relying on private loans to cover their education (McGuire). Increasing federal funds would drive the need for private student loans down substantially, eliminating one of the biggest problems in the student loan crisis. A lack of private loans would mean a lack of sky-high interest rates that cause many borrowers to default on their payments. Student loans aren’t tightly regulated in terms of protections around interest rates and default which allows lenders to “[treat student loans] more like credit cards, with variable interest rates as high as 18% and terms set by the lenders” (McGuire). These unbelievably high-interest rates are what cause a big problem when repaying student loans.
For many students, online classes provide the opportunity to further their education while still maintaining other responsibilities such as maintaining a job and family. However, the efficacy of higher education classes when taught in an online format has been a subject of debate since distance education became widely available. As the popularity of online classes continue to grow, more and more the adequacy of online education is being evaluated. Many people question if students in online classes are receiving the same degree of instruction as students in a traditional face-to-face class. While online classes may provide students with a more accessible approach to higher education, they may not be the best option.
Most people do not have enough money to pay for their college education upfront, requiring them to take out loans. if you don't find a job in that amount of time, you may end up having to make high payments without having a income. (Jody Zambrano, Demand Media). It seems that college could be defined as an investment, only if you can get a college degree and find a nice job that it is worth the time and money, otherwise it just waste of life.Moreover,If you decide not to attend college, you are able to get out into the real world to work, travel or volunteer and many different tings. While you are decide to go to college, it means that you will give up these other experiences.
One of the most frequent problems that was found in online courses is the ability of the trainer to actually determine the present of the learner to the online course. This could have been done more easily with the classroom-based training as each learner will need to sign-in before starting the classes. Thus, the benefit of e-Learning might be used by the learner to lie on their present in the online courses easily. In addition, human being have different type of studying; thus, some of them might choose or feel much happier and comfortable to be taught in a real classroom environment rather than surfing and communicating throughout the internet. They prefer to communicate and change ideas and opinions with human being instead of interacting with technology and
Nowadays, more and more schools are using it. Online classes has more student interaction, can be taken anywhere, and is cheaper than traditional in a classroom course. High schools and colleges should provide some online classes. Online classes offer a variety of benefits to students, whether in college or high school. One of these benefits include more interaction between student and class sessions.
Carr (2000) reported dropout rates as high as 80% in online classes and suggested a rule of thumb that course completion rates are often 10 to 20% higher in traditional courses. (Ni, A. Y, n.d.) Thus, it is very challenging for the participant to actively seek for the help, learn and figure it out the material independently without any help from friends and others. Some of students may not have the skill to be the effective learners and after that triggers them have lack of motivation to learn independently. Especially with students who new to higher education, they tend to feel extremely depressed when faced with particular academic challenge and get easily to drop out. (Bejerano, A. R. 2008) Thus, for online participant they tend to get the opportunity to easily ignore the instructors.
But the struggling learners or those who love to dig deep are still seeking for professional help from their schools and colleges because they believe that self-study won 't serve the purpose. Keeping this need of students from their college and from around the globe, these teachers prepared themselves to become Online Tutors and offer their knowledge to learners around
Traditional educational system in most countries has often been labeled as boring for many students. Chen (2014) says that digital game-based learning is able to enhance learning among players and challenging learning environment for constructing and acquiring new knowledge. Bridgeland et al. (2006) indicate that half of high school dropouts said a major reason for dropping out was that the classes weren’t interesting, and 70% said they were not motivated or inspired to work hard. With the rapid technology development, educators have long used different approaches including art and contemporary media to increase engagement and motivation in the classroom in order to improve the learning process outcomes.
The adaptability of arranging your own calendar in online training could be the drawbacks for you on the off chance that you are a kind of individual that can't deal with your time presumably between your work, family and study. On the off chance that you are this sort of individual, a preplan timetable may fit you well, letting yourself to learn at your own pace with your own particular calendar may causes you neglect to finish your degree program. As a large portion of web learning materials are in content organization, on the off chance that you are not happy with this configuration and want to listen to the address as opposed to understanding it. At that point, it will turn into the hindrance for you and you have to rethink your choice before you pick online training to be your degree seeking after
The benefits or advantages of using the Virtual Learning or VL environment in education are already clear in practice. One of the many is that the VL according to the study of Fontainha & Gannon-Leary (2008) that using the internet to have VL it is an implicit for access and connectivity with a cheaper cost in terms of high-speed communications and getting pieces of information and other services. Thus, the technological environment through virtual world suffices the experiences of the learners with a robust sense of authenticity of the actual learning setting (Warburton, 2009). It helps the learners who are interpersonal in nature or shy to express themselves. Through VL they can communicate well and develop a sense of confidence to express their idea.