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Student Debt And Political Participation
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Book Synopsis Student Debt and Political Participation by : Sylvia Nissen
Download or read book Student Debt and Political Participation written by Sylvia Nissen and published by Springer. This book was released on 2018-10-04 with total page 109 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines how student debt informs the political action and participation of university students. The scale of student debt is unprecedented, particularly in the English-speaking world. In these democracies, debt has become an increasingly integral part of student life for many young people to enable participation in education and the wider economy. Using New Zealand as a case study, the author challenges existent assumptions about student attitudes towards loans by analysing how students speak about the impact of debt on themselves and their peers, including politically. Listening to these perspectives will provide a more nuanced insight into the underlying tensions and challenges of participating politically in a context of rising debt.
Book Synopsis Cost of Attendance by : Casey Matthew Thiel
Download or read book Cost of Attendance written by Casey Matthew Thiel and published by . This book was released on 2014 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Bait and Switch by : Robert H. Scott, III
Download or read book Bait and Switch written by Robert H. Scott, III and published by Springer Nature. This book was released on 2023-11-08 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book traces how the student loan system has created insurmountable student debt traps for millions of student borrowers contrary to its original purpose of promoting social mobility. Today, approximately 45 million Americans hold over $1.7 trillion in student loan debt, with over 20% of borrowers in default. Student loan debt has the greatest negative impact of wealth-poor students, with Black and first-generation students less likely to attain a college degree, more likely to default on student loan debt, and less likely to gain the same type of wage premium from their college degrees than white student loan borrowers. The book also offers a wide range of policy solutions for remedying the student loan debt crisis.
Book Synopsis The Neoliberal Agenda and the Student Debt Crisis in U.S. Higher Education by : Nicholas D. Hartlep
Download or read book The Neoliberal Agenda and the Student Debt Crisis in U.S. Higher Education written by Nicholas D. Hartlep and published by Routledge. This book was released on 2017-05-18 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Capturing the voices of Americans living with student debt in the United States, this collection critiques the neoliberal interest-driven, debt-based system of U.S. higher education and offers alternatives to neoliberal capitalism and the corporatized university. Grounded in an understanding of the historical and political economic context, this book offers auto-ethnographic experiences of living in debt, and analyzes alternatives to the current system. Chapter authors address real questions such as, Do collegians overestimate the economic value of going to college? and How does the monetary system that student loans are part of operate? Pinpointing how developments in the political economy are accountable for students’ university experiences, this book provides an authoritative contribution to research in the fields of educational foundations and higher education policy and finance.
Book Synopsis Student Debt by : Avery Elizabeth Hurt
Download or read book Student Debt written by Avery Elizabeth Hurt and published by Greenhaven Publishing LLC. This book was released on 2019-12-15 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt: As of 2019, Americans owed over 1.56 trillion dollars in student loan debt, and 69 percent of college students who graduated in 2018 had to take out student loans. Student debt has increased significantly over the past twenty years, but what factors have brought this about? Are students to blame for making irresponsible financial decisions, or is the price of education rising disproportionately to average income? How do variables like class and race impact student debt? What impact do these debts have on individuals and the economy? This volume examines the nature of America's student debt crisis and explores possible solutions.
Book Synopsis Sold My Soul for a Student Loan by : Daniel T. Kirsch
Download or read book Sold My Soul for a Student Loan written by Daniel T. Kirsch and published by Bloomsbury Publishing USA. This book was released on 2019-04-10 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt: With unprecedented student debt keeping an entire generation from realizing the "American Dream," this book sounds a warning about how that debt may undermine both higher education—and our democracy. American higher education boasts one of the most impressive legacies in the world, but the price of admission for many is now endless debt. As this book shows, increasing educational indebtedness undermines the real value of higher education in our democracy. To help readers understand this dilemma, the book examines how student debt became commonplace and what the long-term effects of such an ongoing reality might be. Sold My Soul for a Student Loan examines this vitally important issue from an unprecedented diversity of perspectives, focusing on the fact that student debt is hindering the ability of millions of people to enter the job market, the housing market, the consumer economy, and the political process. Among other topics, the book covers the history of consumer debt in the United States, the history of federal policy toward higher education, and political action in response to the issue of student debt. Perhaps most importantly, it explores the new relationship debtor-citizens have to the government as a result of debt, and how that impacts democracy for a new generation.
Book Synopsis The Real College Debt Crisis by : William Elliott III
Download or read book The Real College Debt Crisis written by William Elliott III and published by Bloomsbury Publishing USA. This book was released on 2015-07-14 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.
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 Student Debt Crisis by : Matthew Gumke
Download or read book Student Debt Crisis written by Matthew Gumke and published by Independently Published. This book was released on 2019-09-19 with total page 45 pages. Available in PDF, EPUB and Kindle. Book excerpt: America is suffering from a debt crisis, cased by insane levels of student loans. Wages have only increased 67% since 1970, yet student loans are exploding to record levels, year after year. This, along with soaring cost of living, has made it nearly impossible for ordinary millennials who go to college, to become financially independent in the richest country on earth. If you go to college and study most degrees and use the information you learned in your degree in the workforce, the American dream is dead. As an entrepreneur who's looking to hire millennials, I can tell you that most graduates don't have a clue how to help my businesses.Not only that, they're in a constant state of fear and panic. Even if I pay them a great wage, they can't afford to make ends meet due to their obscene student loans, often at high interest rates. They're trying to get married, buy a house and have kids, yet their crippling loans makes it impossible.Many millennials are ostracised from the dating scene, because they're simply too poor from student loans to date. It's affecting their self-image, self esteem and confidence. 1.Total student loan debt is over $1.5 Trillion2.College tuition has increased 213% since 19803.More than 3 million people aged 65+ are still paying off their student loans4.As of May 2018, 101 people owe at least $1m in unpaid student loans5.Black families carry more debt than white families and they're more likely to default on their loans.6.40% of student will default on their loans by 20237.49% of total loan value in bankruptcies are student loans. They're unforgivable by bankruptcy 8.13% of of Americans surveyed last year said they've decided not to have kids because their student loan debt is so high9.Student loan defaults are higher than the 2008 mortgage crisis10.50% of millennials think college wasn't worthwhileThis message is for concerned parents who worry about the future of their children/teenagers. It's also for people worried if going to college/university in the 21st century will help them get ahead in life. It's also for people stuck in a student loan crisis, looking to finally learn how to create a high income. I'm writing this because I wish someone gave me this advice when I was 16 and I was being shouted at for not going to university. I was told that I'd never be successful. I was told that my life would be so miserable, it wouldn't be worth living. I believe that college died a painful death this century. No longer does a child need a formal education to get ahead in life. College in the United States of America has turned into a horrible scam, enriching a few at the top of the pyramid, while the teachers and students suffer. Do you think the children of the people that own these colleges go to university? The children of people making 10's of millions of dollars per year?It's turned middle class children of the future into debt slaves. Unless these debt slaves somehow find a way to produce an exceptionally high income, they'll never be able to create the levels of upward social mobility seen before in previous generations. Parents know it, kids know it, college has turned into a scam. Unless you want to be a doctor, lawyer, engineer, accountant, nurse, or something that needs a degree, you're better off not signing the dotted line on a 6-figure loan. From the statistics you'll see and learn about in this book, even a high income career isn't enough. Not only do I show the problems, I provide solutions. This could be the book that helps you finally sell them on the idea that you don't need to go to college/university to become successful. I was able to become successful without crippling loans. I want the same for you too.
Book Synopsis The ANNALS of the American Academy of Political and Social Science by : Laura Perna
Download or read book The ANNALS of the American Academy of Political and Social Science written by Laura Perna and published by SAGE Publications, Incorporated. This book was released on 2017-05-30 with total page 280 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume of The ANNALS focuses on who borrows to pay for higher education, why students do so, and the effects of borrowing. It also addresses the implications of student load debt for federal loan repayment programs. With the forthcoming reauthorization of the Higher Education Act (HEA), this volume offers timely and important contributions regarding federal student loan policy.
Book Synopsis Making Politics Work for Development by : World Bank
Download or read book Making Politics Work for Development written by World Bank and published by World Bank Publications. This book was released on 2016-07-14 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: Governments fail to provide the public goods needed for development when its leaders knowingly and deliberately ignore sound technical advice or are unable to follow it, despite the best of intentions, because of political constraints. This report focuses on two forces—citizen engagement and transparency—that hold the key to solving government failures by shaping how political markets function. Citizens are not only queueing at voting booths, but are also taking to the streets and using diverse media to pressure, sanction and select the leaders who wield power within government, including by entering as contenders for leadership. This political engagement can function in highly nuanced ways within the same formal institutional context and across the political spectrum, from autocracies to democracies. Unhealthy political engagement, when leaders are selected and sanctioned on the basis of their provision of private benefits rather than public goods, gives rise to government failures. The solutions to these failures lie in fostering healthy political engagement within any institutional context, and not in circumventing or suppressing it. Transparency, which is citizen access to publicly available information about the actions of those in government, and the consequences of these actions, can play a crucial role by nourishing political engagement.
Download or read book Know Your Price written by Andre M. Perry and published by . This book was released on 2020 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Changing perceptions about the worth of African Americans and their communities Know Your Price establishes new means of determining value of Black communities. The deliberate devaluation of Blacks and their communities, stemming from America's centuries-old history of slavery, racism, and other state-sanctioned policies like redlining have tangible, far-reaching, and negative economic and social impacts. Rejecting policies shaped by flawed perspectives, the book gives fresh insights on these impacts and provides a new value paradigm to limit them. In the book, noted educator, journalist, and scholar Andre Perry takes readers on a guided tour of five Black-majority cities whose assets and strengths are undervalued. Perry begins the tour in his hometown of Wilkinsburg, a small city east of Pittsburgh that, unlike its much larger neighbor, is struggling and failing to attract new jobs and industry. Perry gives an overview of Black-majority cities and spotlights four where he has a deep connection to--Detroit, New Orleans, Birmingham and Washington, D.C.--providing an intimate look at the assets residents should demand greater value from. Know Your Price demonstrates through rigorous research and thorough analysis the worth of Black people's intrinsic strengths, real property, and traditional institutions. All of these assets are means of empowerment, as Perry argues for shifting away from simplified notions of equality and moving towards maximizing equity.
Download or read book Politics on Campus written by Marc Rotter and published by . This book was released on 2006 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Paying the Price by : Sara Goldrick-Rab
Download or read book Paying the Price written by Sara Goldrick-Rab and published by University of Chicago Press. This book was released on 2016-09-01 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show
Book Synopsis The Political Participation of College Students, Working Students and Working Youth. CIRCLE Working Paper 37 by : Sharon E. Jarvis
Download or read book The Political Participation of College Students, Working Students and Working Youth. CIRCLE Working Paper 37 written by Sharon E. Jarvis and published by . This book was released on 2005 with total page 21 pages. Available in PDF, EPUB and Kindle. Book excerpt: Education has long been a powerful predictor in understanding political participation and yet the paths toward earning a college degree have changed considerably in recent years. As tuition costs increase and as schooling option burgeon, today's youth are taking longer to finish their academic programs and are increasingly working as they do so. To learn more about the intersection of education, work and political participation, this paper reports data from a phone survey of over 1,000 19-23 year olds on (1) their schooling and work paths and (2) the political resources, opportunities and participation levels for three categories of young people: college students, working students, and non-college (working) youth. The data show that the most common path for this age group is that of the student worker. The data also show that these student workers report higher levels of political interest, political skills, political mobilization and political participation than their college student and working youth peers. This report suggests that there may be civic correlates to a schooling and work schedule as well as conceptual benefits to examining the education variable in tandem with other measurements that describe the contemporary youth experience. Appended is: Measurement of Schooling and Work Education. (Contains 5 endnotes and 4 tables.) [This Working Paper was prepared as part of the Work, Education, and Political Activity of Youth Project (WEPAY) and was produced by The Center for Information & Research on Civic Learning and Engagement (CIRCLE), University of Maryland; and the Annette Strauss Institute for Civic Participation, The University of Texas at Austin. For CIRCLE Working Paper 38, see ED491122.].
Book Synopsis College Students and Politics by : Nicholas V. Longo
Download or read book College Students and Politics written by Nicholas V. Longo and published by . This book was released on 2006 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this working paper, the authors review the literature on college students' political attitudes and behaviors. It is hoped that this review will help to refine research questions and ultimately lead to a larger follow-up research study on college student political engagement. The literature review was based on the following three questions: (1) How do college students understand, define, and view politics, their political engagement, and the work of democracy? (2) Are college students politically engaged? How do college students practice politics? (3) How can institutions of higher education help foster greater political participation among college students? Several emerging and often overlapping trends came out of the review. The narrative of the authors' review might be described in the following way: There have been several general studies on college students as a demographic group with data on some aspects of their political knowledge, attitudes, values, skills, and practices. Much of the research indicates that college students today are cynical about politics and apathetic when it comes to political participation. However, after years of decline, there has been a recent increase in voting, trust in government, and other forms of political participation among college students in the past few years. There has also been a "scissor effect": years of decline in political participation have coincided with a surge in volunteering and involvement in community. There are various interpretations for the rise in community service and its implications for democracy, with many contending that there is no connection between community service and political participation; community service, it seems, may simply be an "alternative to politics." At the same time, there is a strand of literature arguing that there is a need for an alternative politics led by young people, and there seems to be an emergence of this "politics that is not called politics" on college campuses. Finally, there is widespread agreement in the literature about the great political potential of this generation of college students; and that colleges and universities need to do more to educate the next generation for democracy and provide more opportunities for political participation. This review of the literature also makes clear that while much research has been done on college student political engagement in the past decade, there are many interesting and important areas for future inquiry. Ultimately, an updated understanding of the current generation of college students' views on politics requires more than a literature review; thus, the authors believe that updated research with college students could be timely, contributing an important element to the efforts for democratic revitalization: the voices of the youngest generation. [This Working Paper was produced by CIRCLE (The Center for Information and Research on Civic Learning and Engagement). For CIRCLE Working Paper 45, see ED491132.].
Download or read book Game of Loans written by Beth Akers and published by Princeton University Press. This book was released on 2018-05-29 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.
