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Student debt introduction
Issues with student loan debt
Importance of research in education
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Especially now that I’m in college, I always like planning ahead, and I can’t help but worry about when the time comes when I”m going to need to take out student loans, especially when I go to graduate school. This had me come up with the idea to write a solution about reducing student loan debt. I know that taking out student loans is a necessity, especially seeing how expensive degrees are, so I wanted to focus on how it could be payed back regarding the different circumstances of college graduates. I realized that since I am working for my degree in order to obtain a job in the first place, it only makes sense for the company I will be working for to also be my partner to help me pay for my student loan debt with a repayment assistance tax-policy program. As I accumulating my research information, I found a lot for sources about student loan debt, from the causes to the effects. I knew I had to establish and start my essay with a captivating …show more content…
I understood the importance of having print-based sources, like journals and articles. Because they are credible sources, they give me more assurance and confidence in my writing abilities. I also had an easier time rephrasing any ideas I wanted to apply in my writing and using quotes correctly. As I was writing this essay, I saw progress in my writing skills. Writing more papers allowed me to practice more on my writing, and finishing with my final product with this essay showed me that I was more aware of the styles, techniques, and methods of writing. Practicing with my writing definitely made my knowledge of these essentials skills installed in my long-term
“The Good, the Bad and the Ugly of Student Loans” references many great points that recent college graduates or futures college graduates should follow. These include paying student loans fully and on time, as well as consideration of refinancing. The article’s main purpose is to help college graduates prepare to pay off their student loans carefully and correctly. It chooses to focus on the good points of paying off student loans, giving hope to those who may be worried about paying them off.
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 recent years, there has been a tremendous increase in student enrollment in higher education after high school effecting the need for financial aid for all students. Education has become a growing part in America where more students want to better their lives with a college education. However, the cost of college tuition has increased and more students find themselves struggling to pay off the enormous tuition rates. In a recent study by the Consumer Financial Protection Bureau, student debt has reached $1 trillion in federal loan debt. Student loan debt has crippled the economy and students are struggling to pay off federal loans. In order to help students with the high tuition rates of college the government and universities offer
An education is one of the most important tools a person can acquire. It gives them the skills and abilities to obtain a job, earn a wage, and then use that wage to better their lives and the lives of their loved ones. However, due to the seemingly exponential increase in the costs of obtaining a college degree, students are either being driven away entirely from earning a degree or taking out student loans which cripple their financial prospects well after graduation. Without question, the increasing national student loan debt is one of the most pressing economic issues the United States is dealing with, as students who are debt ridden are not able to consume and invest in the economy. Therefore, many politicians and students are calling on the government to forgive their student loan debts so that through their spending the slowly recovering economy can finally return to its pre-2008 strength.
Over the past decade, it has become evident to the students of the United States that in order to attain a well paying job they must seek a higher education. The higher education, usually a college or university, is practically required in order to succeed. To be able to attend these schools and receive a degree in a specific field it means money, and often a lot of it. For students, the need for a degree is strong, but the cost of going to college may stand in the way of a successful future. Each year the expense of college rises, resulting in the need for students to take out loans. Many students expect to immediately get a job after graduation, however, in more recent years the chances for college graduates to get a well paying job isn’t nearly as high as it used to be. Because students can no longer depend on getting a job fresh out of college, it has become harder to repay the loans. Without a steady income, these individuals have gone into debt and frequently default loans. If nothing is done to stop colleges and universities from increasing the cost of attending their school, the amount of time it takes for students to pay off their loans will become longer and longer. The extreme expenses to attend a college or university may leave a student in financial distress: which may ultimately lead to hardship in creating a living for them and affect the country’s economy.
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.
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.
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.
When it comes to achieving success in the working industry and accomplishing a successful career an education is important. Getting a degree is essential to be successful. The issue is the higher the education the person wants the higher the cost is. Nowadays, not everyone can afford paying out of pocket for an education, which mean that students are forced to take out large amount of student loans to achieve that degree. Student debt is an ongoing problem, students are gaining oversized debts that most of the time if not ALL are defaulting and jeopardizing future credits. How much debt it too much debt? Everyone should have the liberty to
Writing essays was never my forte, it just never came easy to me like it would to others. Since other subjects came easy to me and I had to focus more than others on writing, I had a negative attitude toward the process as a whole. During this summer semester, I was able to grow as a writer, and gain a more positive attitude toward how I write and a better feel for writing in college. Writing a paper is a process in which there are many different stages. In high school I would never write outlines or any sort of pre planning work. Other struggles I encountered in my writing were my theses, and framing quotes.
In my writing I have seen large amounts of growth, I have learned how to better introduce all my sources as well as how to flow my ideas, as well as how unnecessary the five-paragraph essay is. Wring has become easier for me due to the fact that I now I feel understand how to write. I understand that there must be a “they say” and an “I say” in my writing. There has to be an equal balance to everything I write. For example I cannot just write a piece all about my opinions as well how, I cannot just write a piece about what others are saying without explaining the purpose of it all. English 5A has helped me overly improve my writing skills and has shown me new very important skills on how to be a better writer.
Over the last few decades, college tuitions and fees have increased by over one thousand percent, surpassing every category associated with the cost of living including food and medical. This unprecedented rise in cost has resulted in an avalanche of issues for young and middle-age adults. As, a result of steep student loan amounts, graduates are being forced to move back with their parents, fewer young people are becoming homeowners, they are delaying retirement saving, and are dropping out of college at an alarming rate of nearly fifty percent. With all the controversy surrounding the topic of increasing college cost, the revised income-driven repayment program has been created to help borrowers pay back student loans according to their income.
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.
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.
During the course of the semester, all of the writing and research skills I developed helps to strengthen my self-confidence in many areas and it aids me in achieving my goals for the future. By developing more effective research approaches for finding and citing sources, I advanced from an inexperienced writer to a confident writer with the suitable knowledge to create effective essays to capture my audience. Having confidence in my abilities to use the skills I learned will help me to become a success in college. With more practice and valuation of my strengths and weaknesses, I can continue to improve and become an excellent communicator in the future.