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Federal Student Loans Revisited
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Book Synopsis The Toolbox Revisited by : Clifford Adelman
Download or read book The Toolbox Revisited written by Clifford Adelman and published by . This book was released on 2006 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Toolbox Revisited is a data essay that follows a nationally representative cohort of students from high school into postsecondary education, and asks what aspects of their formal schooling contribute to completing a bachelor's degree by their mid-20s. The universe of students is confined to those who attended a four-year college at any time, thus including students who started out in other types of institutions, particularly community colleges.
Book Synopsis Federal Student Loans Revisited by : Lydia N. Vedmas
Download or read book Federal Student Loans Revisited written by Lydia N. Vedmas and published by Nova Novinka. This book was released on 2005 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Title IV of the Higher Education Act (HEA) authorises the major federal student aid programs, including the student loan programs, which are the largest source of aid for students. In FY2000, the Federal Family Education Loan (FFEL) programs and the Federal Direct Student Loan (DL) program supported an estimated $33.1 billion in new loan volume. Several types of loans are available: Federal need-based subsidised Stafford loans (under which the government pays the interest while the borrower is in school, a grace period of deferment); unsubsidised Stafford loans; Federal PLUS loans (for parents of undergraduate students); and Federal Consolidation loans. Overall, student loan volume has been increased in recent years, from $24 billion in FY1994 to $33 billion in FY2000. The number of loans being made has increased over the same period going from 6,483,000 to 8,618,000. The average amount that individual students are borrowing in any given year has not increased as dramatically. This new book examines important issues related to this cornerstone of American higher education.
Book Synopsis The Student Loan Mess by : Joel Best
Download or read book The Student Loan Mess written by Joel Best and published by Univ of California Press. This book was released on 2014-05-02 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: This illuminating investigation uncovers the full dimensions of the student loan disaster. A father and son team—one a best-selling sociologist, the other a former banker and current quantitative researcher—probes how we’ve reached the point at which student loan debt—now exceeding $1 trillion and predicted to reach $2 trillion by 2020—threatens to become the sequel to the mortgage meltdown. In spite of their good intentions, Americans have allowed concerns about deadbeat students, crushing debt, exploitative for-profit colleges, and changing attitudes about the purpose of college education to blind them to a growing crisis. With college costs climbing faster than the cost of living, how can access to higher education remain a central part of the American dream? With more than half of college students carrying an average debt of $27,000 at graduation, what are the prospects for young adults in the current economy? Examining how we’ve arrived at and how we might extricate ourselves from this grave social problem, The Student Loan Mess is a must-read for everyone concerned about the future of American education. Hard facts about the student loan crisis: • Student loan debt is rising by more than $100 billion every year. • Among recent college students who are supposed to be repaying their loans, more than a third are delinquent. • Because student loans cannot be discharged through bankruptcy, the federal government misleadingly treats student loan debt as a government asset. • Higher default rates, spiraling college costs, and proposals for more generous terms for student borrowers make it increasingly likely that student loan policies will eventually cost taxpayers hundreds of billions of dollars.
Book Synopsis I Don't Want to Die Poor by : Michael Arceneaux
Download or read book I Don't Want to Die Poor written by Michael Arceneaux and published by Atria Books. This book was released on 2020-04-07 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of NPR’s Best Books of 2020 One of Time’s 100 Must-Read Books of 2020 From the New York Times bestselling author of I Can’t Date Jesus, which Vogue called “a piece of personal and cultural storytelling that is as fun as it is illuminating,” comes a wry and insightful essay collection that explores the financial and emotional cost of chasing your dreams. Ever since Oprah Winfrey told the 2007 graduating class of Howard University, “Don’t be afraid,” Michael Arceneaux has been scared to death. You should never do the opposite of what Oprah instructs you to do, but when you don’t have her pocket change, how can you not be terrified of the consequences of pursuing your dreams? Michael has never shied away from discussing his struggles with debt, but in I Don’t Want to Die Poor, he reveals the extent to which it has an impact on every facet of his life—how he dates; how he seeks medical care (or in some cases, is unable to); how he wrestles with the question of whether or not he should have chosen a more financially secure path; and finally, how he has dealt with his “dream” turning into an ongoing nightmare as he realizes one bad decision could unravel all that he’s earned. You know, actual “economic anxiety.” I Don’t Want to Die Poor is an unforgettable and relatable examination about what it’s like leading a life that often feels out of your control. But in Michael’s voice that’s “as joyful as he is shrewd” (BuzzFeed), these razor-sharp essays will still manage to make you laugh and remind you that you’re not alone in this often intimidating journey.
Book Synopsis The Chicago Plan Revisited by : Mr.Jaromir Benes
Download or read book The Chicago Plan Revisited written by Mr.Jaromir Benes and published by International Monetary Fund. This book was released on 2012-08-01 with total page 71 pages. Available in PDF, EPUB and Kindle. Book excerpt: At the height of the Great Depression a number of leading U.S. economists advanced a proposal for monetary reform that became known as the Chicago Plan. It envisaged the separation of the monetary and credit functions of the banking system, by requiring 100% reserve backing for deposits. Irving Fisher (1936) claimed the following advantages for this plan: (1) Much better control of a major source of business cycle fluctuations, sudden increases and contractions of bank credit and of the supply of bank-created money. (2) Complete elimination of bank runs. (3) Dramatic reduction of the (net) public debt. (4) Dramatic reduction of private debt, as money creation no longer requires simultaneous debt creation. We study these claims by embedding a comprehensive and carefully calibrated model of the banking system in a DSGE model of the U.S. economy. We find support for all four of Fisher's claims. Furthermore, output gains approach 10 percent, and steady state inflation can drop to zero without posing problems for the conduct of monetary policy.
Book Synopsis Reexamining the Federal Role in Higher Education by : Rebecca S. Natow
Download or read book Reexamining the Federal Role in Higher Education written by Rebecca S. Natow and published by Teachers College Press. This book was released on 2022 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides a comprehensive description of the federal government's relationship with higher education and how that relationship became so expansive and indispensable over time. Drawing from constitutional law, social science research, federal policy documents, and original interviews with key policy insiders, the author explores the U.S. government's role in regulating, financing, and otherwise influencing higher education. Natow analyzes how the government's role has evolved over time, the activities of specific governmental branches and agencies that affect higher education, the nature of the government's influence today, and prospects for the future of federal involvement in higher education. Chapters examine the politics and practices that shape policies affecting nondiscrimination and civil rights, student financial aid, educational quality and student success, campus crime, research and development, intellectual property, student privacy, and more. Book Features: Provides a contemporary and thorough understanding of how federal higher education policies are created, implemented, and influenced by federal and nonfederal policy actors. Situates higher education policy within the constitutional, political, and historical contexts of the federal government. Offers nuanced perspectives informed by insider information about what occurs behind the scenes in the federal higher education policy arena. Includes case studies illustrating the profound effects federal policy processes have on the everyday lives of college students, their families, institutions, and other higher education stakeholders.
Book Synopsis Financial Peace Revisited by : Dave Ramsey
Download or read book Financial Peace Revisited written by Dave Ramsey and published by Penguin. This book was released on 2002-12-30 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the help of a #1 New York Times bestselling author and finance expert, set your finances right with these updated tactics and practices Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually. In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers: • how to get out of debt and stay out • the KISS rule of investing—"Keep It Simple, Stupid" • how to use the principle of contentment to guide financial decision making • how the flow of money can revolutionize relationships With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
Book Synopsis Rising Above the Gathering Storm, Revisited by : Institute of Medicine
Download or read book Rising Above the Gathering Storm, Revisited written by Institute of Medicine and published by National Academies Press. This book was released on 2010-10-23 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the face of so many daunting near-term challenges, U.S. government and industry are letting the crucial strategic issues of U.S. competitiveness slip below the surface. Five years ago, the National Academies prepared Rising Above the Gathering Storm, a book that cautioned: "Without a renewed effort to bolster the foundations of our competitiveness, we can expect to lose our privileged position." Since that time we find ourselves in a country where much has changed-and a great deal has not changed. So where does America stand relative to its position of five years ago when the Gathering Storm book was prepared? The unanimous view of the authors is that our nation's outlook has worsened. The present volume, Rising Above the Gathering Storm, Revisited, explores the tipping point America now faces. Addressing America's competitiveness challenge will require many years if not decades; however, the requisite federal funding of much of that effort is about to terminate. Rising Above the Gathering Storm, Revisited provides a snapshot of the work of the government and the private sector in the past five years, analyzing how the original recommendations have or have not been acted upon, what consequences this may have on future competitiveness, and priorities going forward. In addition, readers will find a series of thought- and discussion-provoking factoids-many of them alarming-about the state of science and innovation in America. Rising Above the Gathering Storm, Revisited is a wake-up call. To reverse the foreboding outlook will require a sustained commitment by both individual citizens and government officials-at all levels. This book, together with the original Gathering Storm volume, provides the roadmap to meet that goal. While this book is essential for policy makers, anyone concerned with the future of innovation, competitiveness, and the standard of living in the United States will find this book an ideal tool for engaging their government representatives, peers, and community about this momentous issue.
Book Synopsis The Financial Crisis Inquiry Report by : Financial Crisis Inquiry Commission
Download or read book The Financial Crisis Inquiry Report written by Financial Crisis Inquiry Commission and published by Cosimo, Inc.. This book was released on 2011-05-01 with total page 692 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to "examine the causes, domestic and global, of the current financial and economic crisis in the United States." It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on "the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government."News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com.
Book Synopsis Restoring the Promise by : Richard K. Vedder
Download or read book Restoring the Promise written by Richard K. Vedder and published by . This book was released on 2019 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: American higher education is increasingly in trouble. Costs are too high, learning is too little, and underemployment abounds post-graduation. Universities are facing an uncertain and unsettling future with free speech suppression, out-of-control Federal student aid programs, soaring administrative costs, and intercollegiate athletics mired in corruption. Restoring the Promise explores these issues and exposes the federal government's role in contributing to them. With up-to-date discussions of the most recent developments on university campuses, this book is the most comprehensive assessment of universities in recent years, and one that decidedly rejects conventional wisdom. Restoring the Promise is an absolute must-read for those concerned with the future of higher education in America.
Author :United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations Publisher : ISBN 13 : Total Pages :520 pages Book Rating :4.0/5 ( download)
Book Synopsis Abuses in Federal Student Aid Programs by : United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations
Download or read book Abuses in Federal Student Aid Programs written by United States. Congress. Senate. Committee on Governmental Affairs. Permanent Subcommittee on Investigations and published by . This book was released on 1990 with total page 520 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Governance Reconsidered by : Susan R. Pierce
Download or read book Governance Reconsidered written by Susan R. Pierce and published by John Wiley & Sons. This book was released on 2014-04-07 with total page 261 pages. Available in PDF, EPUB and Kindle. Book excerpt: Revamp senior administration organization for more effective governance Governance Reconsidered: How Boards, Presidents, Administrators, and Faculty Can Help Their Colleges Thrive takes an in-depth look at the current practice of governance in higher education and explores solutions for more effective functioning. Written by a former college president, the book provides an insider's perspective on the growing tensions around the traditional shared governance model and identifies the key challenges facing trustees, presidents, senior administrators, and faculty. Traditional shared governance operations are typically time-consuming, process-laden, and slow to respond to the internal and external forces acting upon modern educational institutions. Higher education is facing increasing political and economic pressure, and senior administration frequently needs the flexibility to make institutional decisions quickly. Using recent public scandals as examples, Governance Reconsidered illustrates how the tension between the need for timely decisions and action versus the importance of mission and academic quality is creating a dramatic systemic problem. The book provides practical advice on the issues at the heart of the matter, including: The nature and pace of change on campus, including the pressures facing higher education Clarity about the roles and responsibilities of trustees, the president, and the faculty The campus community's role in decision-making activities How thriving universities can govern collaboratively The book also addresses the brand new challenges that affect higher education governance, including MOOCs, online learning, and rising questions about value and cost. Campus leaders must work together effectively to boost higher education, and Governance Reconsidered contains the questions and answers integral to implementing effective governance.
Download or read book Place, Not Race written by Sheryll Cashin and published by Beacon Press. This book was released on 2014-05-06 with total page 177 pages. Available in PDF, EPUB and Kindle. Book excerpt: From a nationally recognized expert, a fresh and original argument for bettering affirmative action Race-based affirmative action had been declining as a factor in university admissions even before the recent spate of related cases arrived at the Supreme Court. Since Ward Connerly kickstarted a state-by-state political mobilization against affirmative action in the mid-1990s, the percentage of four-year public colleges that consider racial or ethnic status in admissions has fallen from 60 percent to 35 percent. Only 45 percent of private colleges still explicitly consider race, with elite schools more likely to do so, although they too have retreated. For law professor and civil rights activist Sheryll Cashin, this isn’t entirely bad news, because as she argues, affirmative action as currently practiced does little to help disadvantaged people. The truly disadvantaged—black and brown children trapped in high-poverty environs—are not getting the quality schooling they need in part because backlash and wedge politics undermine any possibility for common-sense public policies. Using place instead of race in diversity programming, she writes, will better amend the structural disadvantages endured by many children of color, while enhancing the possibility that we might one day move past the racial resentment that affirmative action engenders. In Place, Not Race, Cashin reimagines affirmative action and champions place-based policies, arguing that college applicants who have thrived despite exposure to neighborhood or school poverty are deserving of special consideration. Those blessed to have come of age in poverty-free havens are not. Sixty years since the historic decision, we’re undoubtedly far from meeting the promise of Brown v. Board of Education, but Cashin offers a new framework for true inclusion for the millions of children who live separate and unequal lives. Her proposals include making standardized tests optional, replacing merit-based financial aid with need-based financial aid, and recruiting high-achieving students from overlooked places, among other steps that encourage cross-racial alliances and social mobility. A call for action toward the long overdue promise of equality, Place, Not Race persuasively shows how the social costs of racial preferences actually outweigh any of the marginal benefits when effective race-neutral alternatives are available.
Author :United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness Publisher : ISBN 13 : Total Pages :64 pages Book Rating :4.3/5 (91 download)
Book Synopsis Ensuring Student Eligibility Requirements for Federal Aid by : United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness
Download or read book Ensuring Student Eligibility Requirements for Federal Aid written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Higher Education, Lifelong Learning, and Competitiveness and published by . This book was released on 2010 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Higher Education Opportunity Act by : United States
Download or read book Higher Education Opportunity Act written by United States and published by . This book was released on 2008 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Democracy and Distrust by : John Hart Ely
Download or read book Democracy and Distrust written by John Hart Ely and published by Harvard University Press. This book was released on 1981-08-15 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: This powerfully argued appraisal of judicial review may change the face of American law. Written for layman and scholar alike, the book addresses one of the most important issues facing Americans today: within what guidelines shall the Supreme Court apply the strictures of the Constitution to the complexities of modern life? Until now legal experts have proposed two basic approaches to the Constitution. The first, “interpretivism,” maintains that we should stick as closely as possible to what is explicit in the document itself. The second, predominant in recent academic theorizing, argues that the courts should be guided by what they see as the fundamental values of American society. John Hart Ely demonstrates that both of these approaches are inherently incomplete and inadequate. Democracy and Distrust sets forth a new and persuasive basis for determining the role of the Supreme Court today. Ely’s proposal is centered on the view that the Court should devote itself to assuring majority governance while protecting minority rights. “The Constitution,” he writes, “has proceeded from the sensible assumption that an effective majority will not unreasonably threaten its own rights, and has sought to assure that such a majority not systematically treat others less well than it treats itself. It has done so by structuring decision processes at all levels in an attempt to ensure, first, that everyone’s interests will be represented when decisions are made, and second, that the application of those decisions will not be manipulated so as to reintroduce in practice the sort of discrimination that is impermissible in theory.” Thus, Ely’s emphasis is on the procedural side of due process, on the preservation of governmental structure rather than on the recognition of elusive social values. At the same time, his approach is free of interpretivism’s rigidity because it is fully responsive to the changing wishes of a popular majority. Consequently, his book will have a profound impact on legal opinion at all levels—from experts in constitutional law, to lawyers with general practices, to concerned citizens watching the bewildering changes in American law.
Book Synopsis Congress Reconsidered by : Lawrence C. Dodd
Download or read book Congress Reconsidered written by Lawrence C. Dodd and published by CQ Press. This book was released on 2016-12-16 with total page 614 pages. Available in PDF, EPUB and Kindle. Book excerpt: For almost four decades, the editors of Congress Reconsidered, Lawrence C. Dodd and Bruce I. Oppenheimer have delivered the best contemporary work from leading congressional scholars in a form that is both analytical and accessible. The tradition continues in this Eleventh Edition as contributing authors focus on the many ways Congress has changed over time and examine the conditions that foster these developments. Some of the most noted names in congressional studies address topics from broad dynamics affecting the institution, elections and constituencies, parties and internal organization, inter-branch relations, and policymaking. This new edition also ends with a capstone chapter on the milestone 2016 elections. Simply put, this bestselling volume remains on the cutting edge of scholarship, identifying patterns of change in Congress and placing those patterns in context.
