Student Indebtedness And Financial Aid In The Public Sector

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Repay As You Earn

Author : Philip G. Schrag
Publisher : Bloomsbury Publishing USA
ISBN 13 : 0313075689
Total Pages : 172 pages
Book Rating : 4.3/5 (13 download)

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Book Synopsis Repay As You Earn by : Philip G. Schrag

Download or read book Repay As You Earn written by Philip G. Schrag and published by Bloomsbury Publishing USA. This book was released on 2001-11-30 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: In 1993, Congress created a student loan repayment plan intended to enable high-debt graduates to accept low-income, public service jobs by reducing their loan payments and eventually forgiving part of their debts. But this Congressional initiative only helps those with catastrophically low incomes. It has failed to attract many users because, as implemented through regulations of the U.S. Department of Education, it requires payment over too long a period (25 years before forgiveness). Many students go to graduate and professional schools in pursuit of careers in public service. But they often must borrow $100,000 or more to finance their education. Their loan repayment obligations become so high that they can no longer afford to follow their ideals, and they abandon their plans to have public service careers and seek employment with corporations or firms offering high salaries. The income-contingent repayment plan should have appealed to would-be public interest lawyers, who are among the graduates with the highest debt-to-income ratios; but the plan has failed them, and Schrag explores why and how the plan should be reformed, either by Congress or by the federal administration.

The Government Financial Aid Book

Author : Student Financial Services
Publisher :
ISBN 13 :
Total Pages : 180 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis The Government Financial Aid Book by : Student Financial Services

Download or read book The Government Financial Aid Book written by Student Financial Services and published by . This book was released on 1996 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: **** The 1993 edition is cited in ARBA 1995. A handbook that provides socioeconomic and market-trend data for the major consumer markets of Latin America, primarily in the form of statistical tables. Section 1 examines factors driving the Latin American economy, and considers the relative strengths of each country as a potential consumer market. Section 2 presents a series of regional marketing parameters, while Section 3 provides a comparative overview of consumer markets for the whole region. Sections 4 to 11 deal with individual countries (Argentina, Brazil, Chile, Colombia. Ecuador, Mexico, Peru, Venezuela), presenting data under a series of standard headings, and moving from background parameters, such as demographics and economic indicators, to consumer market data for a range of products. Distributed by Gale Research. Annotation copyright by Book News, Inc., Portland, OR

Student Indebtedness and Financial Aid in the Public Sector

Author : Florida. Postsecondary Education Planning Commission
Publisher :
ISBN 13 :
Total Pages : 53 pages
Book Rating : 4.:/5 (261 download)

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Book Synopsis Student Indebtedness and Financial Aid in the Public Sector by : Florida. Postsecondary Education Planning Commission

Download or read book Student Indebtedness and Financial Aid in the Public Sector written by Florida. Postsecondary Education Planning Commission and published by . This book was released on 1992 with total page 53 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Student Loans

Author : Joseph M. Cronin
Publisher : Praeger
ISBN 13 :
Total Pages : 232 pages
Book Rating : 4.3/5 (91 download)

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Book Synopsis Student Loans by : Joseph M. Cronin

Download or read book Student Loans written by Joseph M. Cronin and published by Praeger. This book was released on 1987-08-30 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: This timely volume objectively addresses the major issues and questions raised about student aid programs. It examines the realities of student loans and provides a balanced analysis of the present and future prospects for financing higher education. Educators, guarantee agency administrators, and state and federal officials analyze student indebtedness and the repayment of loans. They evaluate how five other industrialized nations structure grants and education loan programs and address the challenging problem of extending opportunities for higher education to low-income students. The vital need for support in the application process and for debt management counseling in high schools and colleges is discussed, as is innovative private sector support. A necessary resource for everyone concerned with higher education issues.

Paying the Price

Author : Sara Goldrick-Rab
Publisher : University of Chicago Press
ISBN 13 : 022640448X
Total Pages : 382 pages
Book Rating : 4.2/5 (264 download)

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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

Redesigning the Financial Aid System

Author : Robert B. Archibald
Publisher : JHU Press
ISBN 13 : 0801877598
Total Pages : 268 pages
Book Rating : 4.8/5 (18 download)

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Book Synopsis Redesigning the Financial Aid System by : Robert B. Archibald

Download or read book Redesigning the Financial Aid System written by Robert B. Archibald and published by JHU Press. This book was released on 2003-05-22 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the cost of higher education continues to rise, students and their families find it increasingly difficult to navigate the financial aid maze. In Redesigning the Financial Aid System, economist Robert Archibald examines the history of the system and its current flaws, and he makes a radical proposal for changing the structure of the system. Archibald argues that one of the problems with the current model—in which universities are responsible for the majority of grants while the federal government provides student loans—is that a student cannot know the final price of attending a given institution until after he or she has applied, been accepted, and received a financial aid offer. As a result, students remain largely uninformed about the cost of their college educations until very late in the decision-making process and so have difficulty making a timely choice. In addition, financial aid information is kept private, creating confusion over the price of a college education and the role of financial aid. Under Archibald's proposed reforms, the federal government would assess a student's financial need and provide need-based grants, while institutions would be responsible for guaranteeing student loans. Not only would this new system demystify financial aid and allow students to be better informed about the cost of college earlier in the process, but it would greatly simplify the application procedure and prevent financial aid allocation from contributing to the problem of rising tuition costs. Archibald's clear explanation of the current system—its impact, strengths, and weaknesses—as well as his plans for reform, will be of interest to educators, administrators, students, and parents.

Financing Higher Education Worldwide

Author : D. Bruce Johnstone
Publisher : JHU Press
ISBN 13 : 0801899931
Total Pages : 335 pages
Book Rating : 4.8/5 (18 download)

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Book Synopsis Financing Higher Education Worldwide by : D. Bruce Johnstone

Download or read book Financing Higher Education Worldwide written by D. Bruce Johnstone and published by JHU Press. This book was released on 2010-06-07 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: No issue in higher education is as salient, or as controversial, as finance. As demand for higher education around the world grows, so do the costs associated with it, especially as governments shoulder less of the burden. Tuition fees rise and student loan debt grows. Who pays for these surging costs? Who should pay? D. Bruce Johnstone and Pamela N. Marcucci examine the universal phenomenon of cost-sharing in higher education—where financial responsibility shifts from governments and taxpayers to students and families. They find that growing costs for education far outpace public revenue streams that once supported it. Even with financial aid and scholarships defraying some of these costs, students are responsible for a greater share of the cost of higher education. Featuring comprehensive economic and policy data, the authors' international comparative approach shows how economically diverse countries all face similar cost-sharing challenges. So, who should pay for higher education? While cost-sharing is both politically and ideologically debated, Johnstone and Marcucci contend that, for almost all countries, it is imperative for the financial health of colleges and universities, bringing better efficiency, equity, and responsiveness. Financing Higher Education Worldwide combines sophisticated economic explanations with sensitive political and cultural analyses of the financial pressures facing higher education throughout the world.

Student Financing of Higher Education

Author : Donald E. Heller
Publisher : Routledge
ISBN 13 : 113506945X
Total Pages : 301 pages
Book Rating : 4.1/5 (35 download)

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Book Synopsis Student Financing of Higher Education by : Donald E. Heller

Download or read book Student Financing of Higher Education written by Donald E. Heller and published by Routledge. This book was released on 2013-06-07 with total page 301 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financing of higher education is undergoing great change in many countries around the world. In recent years many countries are moving from a system where the costs of funding higher education are shouldered primarily by taxpayers, through government subsidies, to one where students pay a larger share of the costs. There are a number of factors driving these trends, including: A push for massification of higher education, in the recognition that additional revenue streams are required above and beyond those funds available from governments in order to achieve higher participation rates Macroeconomic factors, which lead to constraints on overall government revenues Political factors, which manifest in demands for funding of over services, thus restricting the funding available for higher (tertiary) education A concern that the returns to higher education accrue primarily to the individual, rather than to society, and thus students should bear more of the burden of paying for it This volume will help to contribute to an understanding of how these trends occur in various countries and regions around the world, and the impact they have on higher education institutions, students, and society as a whole. With contributions for the UK, USA, South Africa and China this vital new book gives a truly global picture of the rapidly changing situation

CliffsNotes Graduation Debt

Author : Reyna Gobel
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 0544319168
Total Pages : 241 pages
Book Rating : 4.5/5 (443 download)

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Book Synopsis CliffsNotes Graduation Debt by : Reyna Gobel

Download or read book CliffsNotes Graduation Debt written by Reyna Gobel and published by Houghton Mifflin Harcourt. This book was released on 2013-11-05 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: With updated information that reflects the myriad changes in the student loan industry that affect students and their parents burdened with student loan debt, CliffsNotes Graduation Debt, Second Edition provides a step-by-step road map for effectively managing student loan debt and having a successful financial life. Reyna Gobel has accumulated tens of thousands of dollars in student loans, recovered from student loan default, and set herself on a mission to help others who face a seemingly insurmountable student loan burden, with a powerful message about taking a step-by-step approach and not being overwhelmed by the sheer weight of student loan debt. Divided into small subsections geared toward those neck-deep in debt, this book is easily digestible to students who aren’t inclined to focus on their finances. Readers are encouraged to take action steps, such as finding long-lost student loans that may have gone into default, discovering payment plans they can afford, consolidating loans when it makes sense to do so, saving money on eating out and groceries, improving credit scores, tweaking their debt-to-income ratios so they can buy a home, and discussing their student loan and non-student loan debt with their significant others. By the end of the book, readers will be on the road to financial stability, with extra money for vacations and other fun stuff, too.

Indebted

Author : Caitlin Zaloom
Publisher : Princeton University Press
ISBN 13 : 069121722X
Total Pages : 286 pages
Book Rating : 4.6/5 (912 download)

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Book Synopsis Indebted by : Caitlin Zaloom

Download or read book Indebted written by Caitlin Zaloom and published by Princeton University Press. This book was released on 2021-05-04 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon

Educating Public Interest Professionals and the Student Loan Debt Crisis

Author : Robert Leslie Fisher
Publisher : Rowman & Littlefield
ISBN 13 : 1793614318
Total Pages : 283 pages
Book Rating : 4.7/5 (936 download)

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Book Synopsis Educating Public Interest Professionals and the Student Loan Debt Crisis by : Robert Leslie Fisher

Download or read book Educating Public Interest Professionals and the Student Loan Debt Crisis written by Robert Leslie Fisher and published by Rowman & Littlefield. This book was released on 2021-11-08 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Educating Public Interest Professionals and the Student Loan Debt Crisis, Robert Leslie Fisher examines the student loan debt crisis and its effects on America’s citizens and economies. Exploring the shortage of professionals in fields such as education, medicine, and law, Fisher analyzes the causes and effects of the student loan debt crisis in America and argues for higher wages, student loan debt forgiveness, and an updated financial model to pay for training for public interest professionals. Supported by economic research and a sociological background, Fisher proposes a path forward that will ease the student loan debt crisis and revitalize the economy.

Student Loan Solution

Author : David Carlson
Publisher : Mango Media Inc.
ISBN 13 : 1633538990
Total Pages : 248 pages
Book Rating : 4.6/5 (335 download)

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Book Synopsis Student Loan Solution by : David Carlson

Download or read book Student Loan Solution written by David Carlson and published by Mango Media Inc.. This book was released on 2019-03-15 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: Eliminate your student debt and start building wealth with this step-by-step guide to financial freedom by the author of Hustle Away Debt. Student loans are complicated. College financial aid terms like “federal direct subsidized” and “GRAD Plus” mean little to most of us. Each type of student loan is slightly different, with its own set of rules and repayment options. In Student Loan Solution, personal finance expert David Carlson explains what student loan borrowers need to know and what they should be focusing on. Carlson provides a 5-step approach to help you understand your loans, your repayment options—including opportunities for loan forgiveness—and your greater financial life. The strategies he covers will help you make and save more money while paying down your student loans faster. Student Loan Solutions will teach you how to:Pay off your student loan debtPersonalize your student loan repayment planLive a happier, financially smarter life

Report on Collection of National Defense Student Loans Background Material with Related Recommendations

Author : United States. Office of Education
Publisher :
ISBN 13 :
Total Pages : 88 pages
Book Rating : 4.:/5 ( download)

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Book Synopsis Report on Collection of National Defense Student Loans Background Material with Related Recommendations by : United States. Office of Education

Download or read book Report on Collection of National Defense Student Loans Background Material with Related Recommendations written by United States. Office of Education and published by . This book was released on 1965 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:

CliffsNotes Parents' Guide to Paying for College and Repaying Student Loans

Author : Reyna Gobel
Publisher : Houghton Mifflin Harcourt
ISBN 13 : 0544577906
Total Pages : 190 pages
Book Rating : 4.5/5 (445 download)

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Book Synopsis CliffsNotes Parents' Guide to Paying for College and Repaying Student Loans by : Reyna Gobel

Download or read book CliffsNotes Parents' Guide to Paying for College and Repaying Student Loans written by Reyna Gobel and published by Houghton Mifflin Harcourt. This book was released on 2015-10-20 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides guidance on ways parents can save for and pay for their child's college tuition and expenses.

Sold My Soul for a Student Loan

Author : Daniel T. Kirsch
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440850720
Total Pages : 194 pages
Book Rating : 4.4/5 (48 download)

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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.

The Real College Debt Crisis

Author : William Elliott III
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440836477
Total Pages : 266 pages
Book Rating : 4.4/5 (48 download)

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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 266 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.

The Neoliberal Agenda and the Student Debt Crisis in U.S. Higher Education

Author : Nicholas D. Hartlep
Publisher : Routledge
ISBN 13 : 1317272005
Total Pages : 267 pages
Book Rating : 4.3/5 (172 download)

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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.