Student Loan Debt
It is a norm and expectation in society today for students to pursue higher education after graduating from high school. College tuition is on the rise, and a lot of students have difficulty paying for their tuitions. To pay for their tuitions, most students have to take out loans and at the end of four years, those students end up in debt. Student loan debts are at an all time high with so many people graduating from college, and having difficulties finding jobs in their career fields, so they have difficulties paying off their student loans and, they also don’t have a full understanding of the term of the loans and their options if they are unable to repay.
There are different types of financial aid available to students such as grants, scholarships, and loans. There are a lot of these types of financial assistant available for students to have access to. There are many websites available online that have all different types of scholarships. Some scholarships have certain requirement such as race, GPA, demographic, parent’s income, etc. Others require students to write an essay and others only require students to only apply. Grants are given to students and are money that is not required to be repaid. Most grants are federally and state funded. Loans are money borrowed and is required to be repaid and in most cases with interest.
There are two major different types of student loans; they are Federal and Private Loans. Federal loans are loans offered by the government. There are three different types of Federal Student Loans and they are Federal Stafford Loan, Federal Plus Loan, and Federal Perkin Loan.
There are two major Stafford loans: Subsidized and Unsubsidized. To be eligible for these loans, students...
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...They also have the option of Deferment or Forbearance, and also the option to see if they qualify for Forgiveness, Cancellation, or Discharge. They are options available for borrowers instead of going into Default.
Works Cited
Carmona, Norma and Thompson, Kim. “How to Manage Student- Loan Debt.” The Chronicle of
Higher Education. 27 February 2004. The Chronicle of Higher Education. Web. 26
February 2014.
Basken, Paul “Student-Loan Market Shows Small Signs of Revival” The Chronicle of Higher
Education. 16 May 2008. Web. 26 February 2014.
Turlington, Shannon R. “How To Find A Scholarship Online.” New York: McGraw-Hill, 2001.
eBook Collection (EBSCOhost). Web. 23 Apr. 2014.
Clemmitt, Marcia. "Student Debt." CQ Researcher 21 Oct. 2011: 877-900. Web. 23 Apr. 2014.
Greenblatt, Alan. "Youth Unemployment." CQ Researcher 14 Mar. 2014: 241-64. Web. 23 Apr. 2014.
Martin and Lehren’s article “A Generation Hounded by the Soaring Cost of College” addresses the issue faced by current and former college students dealing with large amounts of debt due to student loans. The article presents the reader with stories of former college students who have either graduated or dropped out, and their struggle to pay off their student loans. The article also talks about issues such as students not being informed about high amounts of student loans and why student debts have increased. Martin and Lehren also make the issue of student debt more intimidating by giving examples of high amounts of student loans students have had. The article gives a very hard reality check to anyone reading as to how bad the problem of student debt is.
Along with scholarships, fellowships, and grants, student loans are an important method of financing post-secondary education. With tuition costs rising, more students are borrowing to pay for college education today. However, not all students realize the burden of paying back their student loans. Many are defaulting.
In the study involving 2,143 married couples living together completed in 1975 and the study involving 6,002 couples completed in 1985 these studies showed that females had a slightly higher rate of assaulting their spouse than men did (Straus & Gelles, 1986, 1990). The overall rates in the 1985 National Family Violence Survey was 124 per 1,000 women assaulted their male partners compared to 122 per 1000 men who assaulted their female partners (Dutton, 1988; Stets & Straus, 1990). These studies show that women have the same if not hig...
Financial aid is money in the form of loans, grants and employment that is available to a student to help pay the cost of attending. Financial aid comes from the federal government, which is the largest provider of aid, as well as state government, the school and a variety of other public and private sources.
Student loan debt makes up a large portion of the debt in this country today. Many defaulted loans are the demise of high interest rates, poor resources to students in educating them on other avenues and corruption in the governmental departments that oversee education and financing. There are many contributing factors that lead to the inability to pay off student loans which need government reform to protect the borrower’s best interests.
Domestic Violence Statistics states, “Around the world, at least one in every 3 women has been beaten, coerced into sex or otherwise abused during her lifetime” (1). The United States Department of Justice defines domestic violence as, “a pattern of abusive behavior in any relationship that is used by one partner to gain or maintain power and control over another intimate partner” (para. 1). Domestic violence is a crime that numerous citizens fall victim to in every country. Anyone can be a victim of domestic violence regardless of race, gender, sexuality or religion. Being a victim of domestic violence can affect a person’s way of life permanently and the way these victims interact with other people can become a difficult task and can eventually affect their future. Domestic violence is substantially wrong because it can cause drastic permanent effects in a person’s life, can cause physical, emotional and intellectual damage, and affects a child’s state of mind of what is normal and what is not if they are in a domestic violent atmosphere. While women are usually victims of domestic violence, men are victims of this crime as well. The Clark County Prosecuting Attorney states that, “According to the Bureau of Justice Statistics Crime Data Brief, men account for approximately fifteen percent of the victims of reported intimate partner crimes” (Clark County Prosecuting Attorney, par.1). Physical, emotional, economic and physiological abuses are all forms of domestic violence that many people would consider to fall under another crime. There are many crimes that many citizens commit, but domestic violence is one of many that should not be taken lightly.
Domestic violence and abuse takes place within family-type intimate relationships and forms a pattern of intimidating and controlling behaviors, which overtime escalates (Dennis, T. 2014, p 1). It can also cause physical psychological or sexual harm to these relations as well (Gul & Faiz, 2013). Domestic Violence according to Fairtlough (2006) is “the misuse of power and the exercise of control by one individual over another, generally by men over women, with whom they have been in an intimate relationship. It assumes a wide range of abusive physical, sexual, and psychological behaviors.” Dennis argued that domestic violence has become a serious societal and public health issue and is a major risk factor for psychiatric disorders
Children of the twenty first century spend nearly 13 years in school, preparing for what is college, one of the only ways to achieve the so-called “American Dream”. College is the best way to start an advanced career and go further than one possibly could if college degrees were not available, allowing people to achieve their view of the American Dream; whether it be large houses, shiny cars, multiple kids, or financial comfort, college is the stepping stone to achieve the American Dream. But all great things come with a price, college dragging along debt. Students who attend college struggle to find ways to pay for it, leading to applying for student loans. These loans a great short term, paying for the schooling at the moment but eventually the money adds up
Domestic violence is a pattern of abusive behavior in a relationship that is used by one partner to achieve and maintain power and also to gain control over another partner. It can be emotional physical or even sexual. Domestic violence can happen anywhere and to anyone but certain factors increase the risk, these include the mother’s age, poverty, unemployment, and alcohol and drug abuse . A study done in Canada found that women who lived with heavy drinkers were five times more likely to be assaulted by their partners than those who lived with non-drinkers. “Rodgers, K. ‘Wife assault: the findings of a national survey” Children who live in a home where domestic violence takes place will face many challenges that could last through out their whole lives. Studies have shown that a third of all children who see their mothers being hurt develop emotional problems and boys who see their fathers beating their mothers are ten times more likely to be abusers in their future relationships. “Clarkprosecutor.org domestic violence in families” Children also living in these home are more likely to experience aggression and antiso...
Fischer, Mary Claire. “Student Loan Forgiveness: What to Know.” MSN. 9 Oct. 2013. Web. 17 Feb. 2015
As of 2016, American students have accrued a massive 1.3 trillion in student loan debt. Just 10 years ago, the nation’s balance was only $447 billion (Clements). This ever-present cumulative burden has caused many post graduate Americans to delay important life events such as marriage, homeownership and children because of this substantial encumbrance (Clements). The debt will only continue to grow with neglect, so the most effective action to take would be eliminating the cost altogether.
Intimate Partner Violence (IPV) is historically referred to as domestic violence. It describes a pattern of coercive and assaultive behavior that may include psychological abuse, progressive isolation, sexual assault, physical injury, stalking, intimidation, deprivation, and reproductive coercion among partners (The Family Violence Prevention Fund (FVPF), 1999). IPV leads to lifelong consequences such as lasting physical impairment, emotional trauma, chronic health problems, and even death. It is an issue effecting individuals in every community, regardless of age, economic status, race, religion, nationality or educational background. Eighty-five percent of domestic violence victims are women (Bureau of Justice Statistics, 2003). More than one in three women in the United States have experienced rape, physical violence, or stalking by an intimate partner in their lifetime (The American College of Obstetricians and Gynecologists, 2012). Thirty to sixty percent of perpetrators tend to also abuse children in the household (Edelson, 1999). Witnessing violence between parents or caretakers is considered the strongest risk factor of transmitting violent behavior from one generation to the next (Break the Cycle, 2006).
Intimate Partner Violence (IPV) refers to assaulting and coercive behaviors adults use against their intimate partners. Holden (2003) describes IPV childhood exposure as: (1) prenatal violence, (2) a child’s intervening in violence in an effort to stop it, (3) being directly victimized during violence against mother, (4) participating in the assault on the mother, (5) being an eyewitness to violence, (6) overhearing violence, (7) observing the initial effects of violence, (8) experiencing the aftermath of violence, and (9) learning about a violent event. For the purposes of this paper both permanent caregivers and parents are considered and used interchangeably. Studies show that children are present during 75% of IPV occurrences.
Domestic Violence is a relative social issue in America today. Not only are millions of people effected by domestic violence each year, but it effects all aspects of race, ethnicity, economic status, and age. The research shows the tremendous effects it has on our youth, as well as effecting large number of our youth, it effects the larger society because of the resources needed to provide families with services to deal with domestic violence.
loans come in the form of federal loans, Harvard loans or personal loans. A Harvard