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High cost of higher education
High cost of higher education
High cost of higher education
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Seven pairs of jeans,, thirteen shirts, two coats, one bottle of perfume, and nine necklaces; confidently she set all her times on the counter. The employees and Buckle smile sweetly at her as she slower priced up all of her times. After everything had finally been rung up, the lady at the counter told her, her total for that day was going to be, $2,541. The girl buying all of the new clothes caught the reaction of the people around her, and laughed to herself before calmly sliding her credit card across the counter. The lady swiped her card and put all the girls’ new items in a bag big enough, then returned the card to its owner. The girl thanked her, and walked out of the store with her chin up high. She had just spent over two thousand …show more content…
It’s obvious that college is not cheap, it is very expensive and costly, which results in very many families having troubles affording putting their kids through college. Although, if you use your student loans appropriately to help you pay for your college this will help you not be in too much debt by the time you get out of school. Personal student loans are a financial option you have available if you still have an outstanding balance on your cost of college bottom line. Always apply for as many scholarships you can, so you can see how much money you can get from your scholarships before applying for student loans. Also, another way to appropriately use your student loans is to make sure that you are only using your student loans for college related things. It is not smart to be using your student loans to help you pay for your sweet vacation to Mexico over spring break. I plan to be smart with my student loans and only use them for college because I know that many college students assume that they can use their student loans for whatever they want, because they won’t be hard to pay back once they get out of school and get a great job; but what most don’t realize is that sometimes things done’t always work out perfectly or how you assume they will, and then everyone is already in a lot of debt form their student loans straight out of college. I plan to be …show more content…
I will need to learn to spend my money on important things that I absolutely need and not just want. Instead of driving my car everywhere I need to go, I will ride my bike when I can, so that I can save money instead of buying gas all the time. I also will try ot stay in the town that my college is in as much as possible, I will avoid going far distances too much because the gas expenses will slowly start to add up. I know that college is the big party place; most kids go to college and party a lot. But I know in order to stay in good financial shape I need to learn to limit those kinds of bad habits because you have to pay for alcohol and tobacco, and that’s a waste of money that I could be using on other important things like books for school and things for my dorm room. I’m also going to eat in the cafeteria at the college every meal and chance that I get, so that this will prevent me spending more money on fast food. Getting a part time job will also be a very smart thing for me to while I’m in school. This way I’m going to school but I’m also earning a little money too, because after college I will have things to pay back and I don’t want to be completely broke right after college. College is financially hard but if you stay smart and use your head you can make it out in good
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.
Lenders loan money. They try not to give it away. Places that give it away are called charities. If you fall behind on your payments, you will learn quickly that banks aren 't charities. Lenders also like to look at your payment history. Some people pay every payment on time. Banks love these people. They are considered low risk. Their credit scores are high. Everyone smiles when they think about these people. Some people pay every payment. They 're just not really very picky about when they get it paid. Banks kind of like these people because they get their money and make a little extra from late fees. They create extra work for the bank employees, but at least they get more money for their troubles. Other people eventually pay the loan,
When coming to college your whole money situation changes, suddenly you're bombarded with housing costs and student loans that you have to pay back or you will spiral into debt. Your whole life changes you don't have your parents paying for your voluptuous wants and needs, you’re on your own. The move from high school understudy to college undergrad is a standout amongst the most upsetting and essential times in an adolescent's life. Not only is your day to day life going to change but your spending habits have to change. The school years are a period where a high school student leaves their support team behind,
Employers consider a degree necessary for getting a job at their company. However, not many people can afford college. The solution is to take out loans, then college becomes affordable. These loans create a whole different issue, student loan debt. This can affect people their whole lifetime and has been happening for years upon years. But, in the more recent years America is starting to shed more light onto the issue and are becoming curious on why colleges charge twenty five thousand dollars, or more, for a year of education. Many different countries offer free college, but in America student loan debt keeps getting worse.
As students near the end of the academic year, they are constantly faced with some of the same choices the generations before them have been presented with too. The biggest question a lot of seniors in high school have to answer is if they are going to be attending college or not. There are a lot of legitimate reasons as to why a person might not attend a college, but I personally feel like everybody should have a higher education if they have the opportunity to do so. One of the biggest reasons that people do not have the opportunity to pursue higher levels of school is the fact that they do not have enough money to pay for it. With the staggering amount of debt, the majority of students incur in college, it is becoming a
Most people today accept the debt that comes from college. Students consider student loan debt as a “good debt.” They see other students make this mistake but follow their path anyway. Nearly 80% of college-bound students have not projected the total amount of money they will need to graduate college.
Attending college has changed quite a lot throughout the years. When it first arose, it was only accessible to the wealthy, and it was unheard of for everyone else. Only a few decades ago a bachelor degree could almost guarantee a comfortable job, and it was another advantage to any resume. In our current times, many students struggle and are unable to go to college due to the rising price tag that is not showing any signs of slowing down. A college degree is what most employers look for now-a-days, making it more essential than ever before. Unfortunately, it is becoming increasingly difficult to attain one. College tuition and fees should be lowered because 1) student loan debt is crippling for college graduates, 2) lower tuition will increase the accessibility of education, and 3) regulated tuition would lead to a
College education goes about the way to an effective future for people who are not kidding with it. Currently, a college education has turned in the base necessity in securing a job in different companies and although some people might think college is not worth the debt, in a long run it actually is.
Credit cards are something that are almost needed in everyday life now, as most dont have the money available to purchase a car or house and so need credit, thus needing credit cards to help build that credit. Those cards are hard to handle, and receiving applications in the mail daily, and commercials appearing on television don’t seem to make the struggle of staying away any easier. This starts to spark an interest. So people begin to think, "I think I 'm responsible enough to get a credit card, I 'll only use it for emergencies." Then the application process begins and it may take a couple times to finally be approved for one. This only makes it worse, of course, because realizing how long a credit card wasn’t applicable to life, but now
Proper school funding is one of the keys to having a successful school. Americans believe that funding is the biggest problem in public schools. School improvements revolve around funding. There needs to be funding not only in the successful schools but also the schools that aren’t doing as well. In documentary, Waiting for Superman, it talks about how smaller class sizes will help students. Funding is what will help the smaller class sizes. State funding mechanisms are subject to intense political and economic scrutiny (Leonard). Studies have shown that funding is inversely related to accreditation levels (Leonard). School funding needs to be increased, but there must be accountability as well.
“About forty-one percent of borrowers fall behind on their student loan payments in the first five years of payment” (nytimes.com). Statistics also show that nearly thirty percent of student loan borrowers wind up dropping out of school. These facts help show that student loans are not a reward for you but are a burden. Student loans can be avoided by obtaining as many scholarships as possible, saving for college before you get there, and working to get money to pay cash for college.
Education is a huge topic of controversy, society is always trying to reform what we know as education today. Right now, the first 12 years of education are entirely free for students directly, but in the end are paid for by the taxpayers of the town. The question is, why should only grades k-12 be free why not a college education too? On the other hand, there are some exceptions to free schooling at the k-12 levels. The most prominent being, Private schooling, most towns in the United States have at least one if not many private schools. They require a certain amount in tuition for each of its students every year. An example of this, in my town Salem, NH one of the most known private catholic schools is St. Joseph 's. I had a good friend a few years back
activities are a crucial part of school because it shows you are involved into making your school
It’s spring and that means most of us are focused on paying our taxes, planning vacations or fixing up our yards. But, springtime is also “get ready for college” time for many families. While high school seniors are deciding which school to attend, parents are typically looking at investment accounts and trying to determine whether they will need to borrow money to make the dream of college a reality. Before you begin that process, it is important to have all the facts available to about student loans so you can make the best and most informed decision.
In South East Asia most people can barely afford 3 meals a day. In countries such as Cambodia people can work for hours and hours and still not get paid. Some people save their money in banks only to find them empty and others must experience through immense poverty because their government contains a immense lust for money and power. Many causes of poverty exist in our world and many people do not appreciate them.