Misconceptions About Student Loans

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

Too many banks offer loans and do not think how these students are going to pay back the money. Students can't pay back loans for many years. Then, as a domino effect, there is more debt. Middle class parents , are caught in a tight web because they can afford college on paper but in reality, have no money left for retirement and receive no financial aid. The cost of college has escalated out of control and the cost of college grows faster than the rate of inflation.

Other groups, such as the Corinthian 15 have taken more drastic measures such as striking and refusing to make payments on their loans (Nasiripour). Whether they are being radical, and breaking a few laws, or simply asking for more protection, many students do not believe that there is enough regulation in the world of student loans. In this view, they seem to align more with legislation that would expand loan forgiveness, regulate the price of tuition, or even possibly make public university free. Through these programs, many students

For many students, their first two years at college are spent taking required classes outside of their major. Since many students are stuck in classes that they will never remember or need material from, this is an extreme waste of money. In the opinion article “General Education Requirements are a Waste of Money, Hurt the Economy,” Jay Cranford, a finance major at Louisiana State University, discusses his how these general education courses are adding to students’ debt. He argues, “LSU students pay around $291 per credit hour in tuition and fees per year, which means over my college career, I unnecessarily paid about $6,111 …This generation of students — making the bold assumption they all graduate — will pay around $34.3 million in general education classes” (Cranford). At LSU, Cranford wasted over $6,000 in information that was irrelevant to his career path.

Also, having a test-required policy limits the amount of students in the applicant pools of colleges and universities. Therefore, we should stop using the SATs as a big part of college admission. Has anyone here just bombed and did really bad on a test because they were sick, or they had a concert the night before and couldn’t study, or they were just feeling stressed out and unable to focus? I know from my experiences that everyone would have experienced something like this throughout their academic years. This leads you to believe that Standardized tests, like the SAT, are not accurate and are bad indicators of a student’s future success in academics.

All of their books, dorm, and food. There are a lot of problems with how college athletes are treated and many teachers, students, and coaches are wanting to change that. College athletes shouldn’t get paid, or should they? All of there schooling is paid for. College athletes should not get paid because there schooling is already a lot.

Due to the lack of necessary preparation for the college environment and professors, Connie Matthiessen states that nearly 60 percent of first year college students have to take remedial courses ("Why are so many college students returning home?"). It is clear that many students attending college are extremely unprepared for the

A point from Marian Wilde about school uniforms is that uniforms “Are a financial burden for poor families” (Wilde 2017). Another good thing that she pointed out was “An unfair additional expense for parents who pay taxes for a free public education” (Wilde 2017). This is something good to point out because parents have to pay a lot of money to get their kids a nice uniform to follow school regulations and it can get expensive and parents would have to cut out a big chunk of funds just for uniforms for school. Some information from Grace Chen is, “ Many parents argue that uniforms are not economical as they must purchase both a school wardrobe and a casual wardrobe as children do not want or may be permitted to wear their uniform clothes outside of school” (Chen 2017). Parents would have to pay a ton of money that could have been on school supplies and late school funds, but can’t because of all the clothes they need to buy for their kids.

According to my research, many students cheat for a variety of reasons. One of those reasons may be because students, especially college students, are very stressed out. Many students are emotionally affected when it comes to their studies because of family issues. Students may also be depressed because they have been ostracized and bullied. If students are just given a chance to improve their grades then they can accept that challenge, proving teachers that they are capable of enough to work harder.

He sabotages all efforts for the class to improve itself academically by assigning new and inexperienced teachers to a poor study environment. This compounded with the despair of outcast students makes escape from Class E while still attending Kunugigaoka virtually impossible. Textbooks and other class materials are expensive, so most students in Class E either have old outdated second-hand versions or do not have a textbook at all. The upper class are advantaged as they have economic capital, therefore can afford materials

When people think about college student?s financial status, they often think they are going to be broke from student loans. What most people do think about when it comes to college students is credit card debt. And if people do think about it, the students are often blamed for the debt because many people still think they are you kids who are irresponsible when It came to money. In the article, ?The Credit Card Company Made Me Do It? ?

Drowning in Debt: What are the Consequences of Student Loan Debt in the U.S.? Student loan debt has a big impact on students decisions, student debt influences a lot on how they spend their money. American Student Assistance (ASA) recently made a survey, with this survey they found out that the Students with loan debt are postponing important decisions in their lives. Many of the students that participated in the survey are waiting to buy a home, get married, have children, save for retirement, and some of them haven’t been able to enter the career field that they wanted all because of their debt. Student loans were created to help out students who want to go to college by giving them money that has to be paid back.

According to Anya Kamenetz in the article “Generation Debt,” young people of today are struggling with high debt due to high educational finances and this is preventing them to move on as responsible adults. College tuitions are too high to pay that young people fall into applying for student loans, and have significant credit card debt with high balances. Most students are using their credit cards to pay for their college expenses and student loans; even their paychecks are being used to pay for college. I agree that many young people held back in becoming a full adult which they are doing everything they can just to continue their education. Even if it means to continue living at home with parents just to make ends meets and not being able to step in the “fully adulthood.” In other words they, are prolonging their adulthood just to be able to go to college and be able to fully

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

The central idea of the readings is to explain why illegal immigrant 's can 't afford a good life or a better life in America. One important detail that supports this idea is that "many immigrants who entered the U.S. unlawfully find it difficult to afford a college education".Finally, the article shows that immigrants are trying to get help for college from the Congress but they are unsuccessful because Congress would have to forgive all the illegal immigrants that are in America and the ones that are coming in. This has become a problem for many illegal immigrant and college students that are immigrants . Because of this, many of the cant afford college or a job . One possible solution to this problem is to serve two years of College but