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Financial Aid in Education
A guy in $50,000 of debt has got to be irresponsible with his money right? Actually, it is more likely that he is a college student. Hundreds of thousands of college students around the country are in a financial predicament because of the government?s impersonal financial aid policies. The federal government?s current system has too many quirks which end up hurting the people that financial aid is supposed to help. The federal government should change its financial aid policies to take several more factors, such as the percentage of educational expenses paid by the student, into account.
Under the present system, all students applying for federal aid file a form called the Free Application for Federal Student Aid (FAFSA). This form is meant to figure out the amount of money a family is able to shell out for an education, or the Expected Family Contribution (EFC). Assuming the student does not qualify for independent status, both the expected contributions from the student and the parents are included in the EFC. In order for a student to get independent status you have to be married or over the age of twenty-four. After filing the FAFSA, the student will receive back a Student Aid Report (SAR) which includes the Expected Family Contribution. The way most schools determine the amount of aid you will receive is to subtract the Expected Family Contribution from the total costs of the university. Total costs include such things as tuition, room and board, insurance, and other miscellaneous expenses. The student receives the difference in loans and grants. A loan is financial aid that will have to be paid back, normally after the student graduates. A grant does not have to be paid back. A scholarship...
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There are several small ways that the government could improve their financial aid policies to make them more responsive to the student. I believe that all of the changes I have suggested are feasible. They might take some tinkering, but in the end they would be a change for the better. These changes would make it possible for the FAFSA to more fairly represent the needs of the student. It would never hurt to have the government put more money into education, but even if they do not, they need to do a better job of distributing the aid they give.
Sources Cited:
Kantrowitz, Mark. "Financial Aid Estimation Calculator." FinAid. 1999. http://www.finaid.org/calculators/finaidestimate.phtml (13 Nov 00)
DAV. "Student Guide 2000-2001." U.S. Department of Education. 2000. http://www.ed.gov/prog_info/SFA/StudentGuide/2000-1/index.html (13 Nov 00)
"To feel a sense of belonging, you need to accept yourself and be accepted by others."
In what ways does this text explore the development of belonging through connections to people, places, groups, communities or the larger world?
We all need to belong somewhere and feel comfort in our lives. We as human beings need to open our eyes and see we can all belong together and live in one society without dropping our culture but before this can happen we need to end racism and stereotyping. These are the two main factors that push people, more commonly native people, into the loss of belonging the loss of their culture and the loss of the core of their identity.
The idea of freedom and equal opportunity that America was built on has sadly been lost and replaced with a system of quality education only being accessible by the wealthy. In-state college tuition should be free for all students meeting admission requirements, allowing students from the full spectrum of economic backgrounds to have the same opportunity to receive the same education. The incidence of poverty in the U.S. is directly linked to educational level. When a college degree is earned, income levels rise (College Board). The best use of federal government anti-poverty funds is not another welfare or assistance program; it is to make college education affordable for everyone.
help of campus-based child care. Federal money is used to establish and maintain on-campus child care for the need of low income student parents. College administrators can apply for this grant and any institution of higher education is eligible to receive a grant under this program. Federal Pell grant funds awarded to students enrolled at the institution of higher education for the preceding fiscal year needs to be equal to or exceed $350,000. For a student to be eligible He or she must be a parent and must be able to receive a Pell grant for college tuition and
In today’s society, the cost of attending college to earn a degree continues to increase, which results in an increase in students needing financial aid. A determining factor in how much a student receives is dictated by the Earned Family Contribution (EFC). The EFC is mandated by Congress as a part of the required Free Application for Federal Student Aid (FAFSA) that every student must fill out in order to apply to college. Steve Cohen, an Op-Ed Contributor to the New York Times and author of “A Quick Way to Cut College Costs” believes that the EFC is flawed in that it does not accurately depict how much a family can contribute to the cost of a student’s education. Cohen’s solution is for Congress and the President to drastically cut the EFC to realistically reflect the unequal rise in college tuition and average household income.
Many people view the United States as a country of opportunity in which you can live happily and be presented the opportunity to achieve any goals that you may have, regardless of your class or financial status. This idea is helped made possible by our government. But our government might not be able to provide as much help to that dream if we keep going deeper into debt. In my opinion we need to fund all of these assistance programs less in America so the rest of us can grow and force other to take responsibility and grow up
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.
Most often the disease starts in the left ventricle, and then often spreads to both the atrium and right ventricle as well. Usually there will also be mitral and tricuspid regurgitation, due to the dilation of the annuli. This regurgitation will continue to make problems worse by adding excessive volume and pressure to the atria, which is what then causes them to dilate. Once the atria become dilated it often leads to atrial fibrillation. As the volume load increases the ventricles become more dilated and over time the myocytes become weakened and cannot contract as they should. As you might have guessed with the progressive myocyte degeneration, there is a reduction in cardiac output which then may present as signs of heart failure (Lily).
Higher education costs have been increasing at a rapid pace, faster than inflation for the economy as a whole, for the past fifty years. It started in the 1960’s when the federal government passed the Higher Education Act to increase the amount of people able to afford and attend college. Regardless of the Unites States Government efforts to increase the affordability of college, federal aid programs have not risen to expectations due to the ever-increasing college prices. To lower the price of college, the government needs to cut back on student financial spending to go only to the lowest income families and create tax incentives for families to start saving up on their own.
With the ever-increasing tuition and ever-tighten federal student aid, the number of students relying on student loan to fund a college education hits a historical peak. According to a survey conducted by an independent and nonprofit organization, two-thirds of college seniors graduated with loans in 2010, and each of them carried an average of $25,250 in debt. (Reed et. al., par. 2). My research question will focus on the profound effect of education debt on American college graduates’ lives, and my thesis statement will concentrate on the view that the education policymakers should improve financial aid programs and minimize the risks and adverse consequences of student loan borrowing.
‘A deep sense of love and belonging is an irreducible need of all people. We are biologically, cognitively, physically, and spiritually wired to love, to be loved, and to belong. When those needs are not met, we don't function as we were meant to. We break. We fall apart. We numb. We ache. We hurt others. We get sick.’, a quote by Brene Brown. It is telling the reader that all that is needed in life is love and this also gives us our identity to belong. Within wild cat falling it is seen that even in worst case scenario if there is love in your life you will belong. It is also evident in the Stolen Generation, even if a child is taken from their mother they will learn to understand that everyone is wired to love and be loved and to belong. It is even shown in the breakfast club that everyone belongs, in every circumstance.
Public colleges must be affordable to anyone who wishes to attend. If colleges lack to provide this to students, it can affect dropouts, a student’s ability focus, and cause stress. The problem of lack of funding is that colleges have insufficient funds. Therefore, the best possible solution for the problem of lack of funding would be increasing and collecting more funds from state taxes. Collecting funds from the state’s taxes is an effective solution because students get more academic support programs, which decreases dropouts.
Baumeister & Leary (1995) argue that the need to belong is a important human need to form and maintain at least a small amount of lasting, positive and significant interpersonal relationships. Satisfying this need requires frequent and positive interactions with the same individuals, and engaging in these interactions within a framework of long-term, stable care and concern. A sense of belongingness is crucial to our well-being.