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The Impact Of Student Loans On Borrowers
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Book Synopsis Student Loans and the Dynamics of Debt by : Brad Hershbein
Download or read book Student Loans and the Dynamics of Debt written by Brad Hershbein and published by W.E. Upjohn Institute. This book was released on 2015-02-23 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.
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.
Book Synopsis Investing in Higher Education by : White House Council of Economic Advisers
Download or read book Investing in Higher Education written by White House Council of Economic Advisers and published by . This book was released on 2016-08-24 with total page 78 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many students access student loans to help finance their education, and last year federal student loans helped 9 million Americans to make that investment in their futures. The Obama Administration has taken several steps to address the challenges of ensuring that all students who could benefit from a college degree are able to attend a quality school, graduate, and then repay their loans on manageable terms after they graduate. Contents of this report: Federal Student Aid Facilitates High-Return Investments: Recent Trends and the Current State of Student Debt; Borrower Characteristics and Loan Size; Student Loan Repayment; Student Loans, Other Individual Outcomes, and the Overall Economy; Administration Efforts to Help Students Better Invest; Conclusion. Figures and tables. This is a print on demand report.
Book Synopsis The Student Loan Scam by : Alan Collinge
Download or read book The Student Loan Scam written by Alan Collinge and published by Beacon Press. This book was released on 2009 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this in-depth exploration and expos of the predatory nature of the student loan industry, Collinge argues that student loans have become the most uncompetitive and oppressive type of debt in American history. In this clarion call for social action, the author offers pragmatic solutions.
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: "Student loan debt in the U.S. now exceeds $1 trillion, more than the nation's credit-card debt. This timely book explains how and why student loans evolved, the concerns they've raised along the way, and how each policy designed to fix student loans winds up making things worse. The authors, a father and son team, provide an intergenerational, interdisciplinary approach to understanding how, over the last 70 years, Americans incrementally, with the best intentions, created our current student loan disaster. They examine the competing interests and shifting societal expectations that contributed to the problem, and offer recommendations for confronting the larger problem of college costs and student borrowing in the future"--
Book Synopsis Whither Opportunity? by : Greg J. Duncan
Download or read book Whither Opportunity? written by Greg J. Duncan and published by Russell Sage Foundation. This book was released on 2011-09-01 with total page 573 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the incomes of affluent and poor families have diverged over the past three decades, so too has the educational performance of their children. But how exactly do the forces of rising inequality affect the educational attainment and life chances of low-income children? In Whither Opportunity? a distinguished team of economists, sociologists, and experts in social and education policy examines the corrosive effects of unequal family resources, disadvantaged neighborhoods, insecure labor markets, and worsening school conditions on K-12 education. This groundbreaking book illuminates the ways rising inequality is undermining one of the most important goals of public education—the ability of schools to provide children with an equal chance at academic and economic success. The most ambitious study of educational inequality to date, Whither Opportunity? analyzes how social and economic conditions surrounding schools affect school performance and children’s educational achievement. The book shows that from earliest childhood, parental investments in children’s learning affect reading, math, and other attainments later in life. Contributor Meredith Phillip finds that between birth and age six, wealthier children will have spent as many as 1,300 more hours than poor children on child enrichment activities such as music lessons, travel, and summer camp. Greg Duncan, George Farkas, and Katherine Magnuson demonstrate that a child from a poor family is two to four times as likely as a child from an affluent family to have classmates with low skills and behavior problems – attributes which have a negative effect on the learning of their fellow students. As a result of such disparities, contributor Sean Reardon finds that the gap between rich and poor children’s math and reading achievement scores is now much larger than it was fifty years ago. And such income-based gaps persist across the school years, as Martha Bailey and Sue Dynarski document in their chapter on the growing income-based gap in college completion. Whither Opportunity? also reveals the profound impact of environmental factors on children’s educational progress and schools’ functioning. Elizabeth Ananat, Anna Gassman-Pines, and Christina Gibson-Davis show that local job losses such as those caused by plant closings can lower the test scores of students with low socioeconomic status, even students whose parents have not lost their jobs. They find that community-wide stress is most likely the culprit. Analyzing the math achievement of elementary school children, Stephen Raudenbush, Marshall Jean, and Emily Art find that students learn less if they attend schools with high student turnover during the school year – a common occurrence in poor schools. And David Kirk and Robert Sampson show that teacher commitment, parental involvement, and student achievement in schools in high-crime neighborhoods all tend to be low. For generations of Americans, public education provided the springboard to upward mobility. This pioneering volume casts a stark light on the ways rising inequality may now be compromising schools’ functioning, and with it the promise of equal opportunity in America.
Book Synopsis Borrowing Inequality by : Derek V. Price
Download or read book Borrowing Inequality written by Derek V. Price and published by Lynne Rienner Publishers. This book was released on 2004 with total page 186 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Price concludes with provocative proposals for aid policies that would expand the range of college and career choices for students - policies that would in fact support the role of higher education as a vehicle for individual opportunity and social change."--BOOK JACKET.
Book Synopsis Student Loans by : Kelly D. Edmiston
Download or read book Student Loans written by Kelly D. Edmiston and published by . This book was released on 2015 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report provides a detailed overview of the student loan market, presents new statistics that highlight student loan debt burdens and delinquency rates, and discusses current concerns among many Americans about student loans, including their fiscal impact. The report is intended to enhance awareness of the state of student loan debt and delinquency and highlight issues facing borrowers, creditors, the federal government, and society at large. While the report does not offer specific suggestions on how to address the problems it highlighted, it does suggest some areas of concern to think about as policymakers consider student loans, and what some term to be the associated “crisis” around them. The clear message is that student loans present problems for some borrowers that are well worth addressing. At the same time, the analysis suggests that student loans do not yet impose a significant burden on society from their fiscal impact.
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 College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Student Loan Debt 101 by : Adam S. Minsky
Download or read book Student Loan Debt 101 written by Adam S. Minsky and published by Createspace Independent Publishing Platform. This book was released on 2014-09-11 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: NEW 2015 EDITION - CRITICAL UPDATES ABOUT FEDERAL STUDENT LOAN REPAYMENT, FORGIVENESS, AND DEFAULT RESOLUTION PROGRAMS! In 2013, student loan debt in the US passed $1 trillion. That's more than our total amount of credit card debt and automobile debt. Graduates are starting out with poor employment prospects, obscene levels of debt, and few tools to help. Adam S. Minsky is a leading expert in student loan debt. He is renowned as a pioneer in student loan law as the founder of one of the first law firms in the country devoted entirely to helping student borrowers. With few resources available for student borrowers navigating byzantine repayment systems, he wrote this book as a practical, easy-to-read guide for managing your student debt. Whether your loans are federal or private, in good standing or in default, this guide identifies your options and helps you determine the best way forward.
Download or read book Man Out written by Andrew L. Yarrow and published by Brookings Institution Press. This book was released on 2018-09-11 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: The story of men who are hurting—and hurting America by their absence Man Out describes the millions of men on the sidelines of life in the United States. Many of them have been pushed out of the mainstream because of an economy and society where the odds are stacked against them; others have chosen to be on the outskirts of twenty-first-century America. These men are disconnected from work, personal relationships, family and children, and civic and community life. They may be angry at government, employers, women, and "the system" in general—and millions of them have done time in prison and have cast aside many social norms. Sadly, too many of these men are unsure what it means to be a man in contemporary society. Wives or partners reject them; children are estranged from them; and family, friends, and neighbors are embarrassed by them. Many have disappeared into a netherworld of drugs, alcohol, poor health, loneliness, misogyny, economic insecurity, online gaming, pornography, other off-the-grid corners of the internet, and a fantasy world of starting their own business or even writing the Great American novel. Most of the men described in this book are poorly educated, with low incomes and often with very few prospects for rewarding employment. They are also disproportionately found among millennials, those over 50, and African American men. Increasingly, however, these lost men are discovered even in tony suburbs and throughout the nation. It is a myth that men on the outer corners of society are only lower-middle-class white men dislocated by technology and globalization. Unlike those who primarily blame an unjust economy, government policies, or a culture sanctioning "laziness," Man Out explores the complex interplay between economics and culture. It rejects the politically charged dichotomy of seeing such men as either victims or culprits. These men are hurting, and in turn they are hurting families and hurting America. It is essential to address their problems. Man Out draws on a wide range of data and existing research as well as interviews with several hundred men, women, and a wide variety of economists and other social scientists, social service providers and physicians, and with employers, through a national online survey and in-depth fieldwork in several communities.
Book Synopsis The Impoverishment of the American College Student by : James V. Koch
Download or read book The Impoverishment of the American College Student written by James V. Koch and published by Brookings Institution Press. This book was released on 2019-07-09 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is the end in sight for college tuition hikes? Tuition and fees at public colleges and universities consistently have risen twice or even three times as fast as comparable increases in the Consumer Price Index in recent years. Since 2000 these costs have even grown 60 percent faster than health care costs. The results have been rapidly rising student debt (now $1.4 trillion nationally), rising delinquencies in debt repayment, and a dysfunctional stratification of public college student bodies on the basis of family incomes. This is a broken, unsustainable model for the majority of public colleges. Why has this occurred? The multiple causes include declining state support, the avaricious behavior of individual institutions, their reluctance to adopt productivity-increasing innovations, their cost-increasing competition for higher U.S. News ratings, and misdirected federal student financial aid policies. The key actors are the 50,000 members of the governing boards of public colleges, who too often forget that their primary responsibility is to citizens, taxpayers, and the 15 million students. Instead, board members are co-opted by clever administrators into approving tuition and fee increases well beyond what is needed to make up for declining state funding. Concerted, informed public pressure on governors, legislators, and board members is necessary to move institutions in more positive directions. Higher education funding and tuition and fee inflation are complicated matters that very few people understand well. The Impoverishment of the American College Student clarifies the central issues and provides plentiful data to support its key points. It is a must-read for anyone who believes that maintaining access to and the affordability of public colleges are vitally important to our society's future.
Book Synopsis Federal Student Loans: Patterns in Tuition, Enrollment, and Federal Stafford Loan Borrowing Up to the 2007-8 Loan Limit Increase by :
Download or read book Federal Student Loans: Patterns in Tuition, Enrollment, and Federal Stafford Loan Borrowing Up to the 2007-8 Loan Limit Increase written by and published by DIANE Publishing. This book was released on with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Office of Education. National Defense Student Loan Program Publisher : ISBN 13 : Total Pages :92 pages Book Rating :4.:/5 (31 download)
Book Synopsis Student Borrowers by : United States. Office of Education. National Defense Student Loan Program
Download or read book Student Borrowers written by United States. Office of Education. National Defense Student Loan Program and published by . This book was released on 1962 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Postsecondary Education, Training, and Life-long Learning Publisher : ISBN 13 : Total Pages :246 pages Book Rating :4.:/5 (327 download)
Book Synopsis Issues in the Student Loan Programs Relating to the Scheduled July 1, 1998 Interest Rate Change by : United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Postsecondary Education, Training, and Life-long Learning
Download or read book Issues in the Student Loan Programs Relating to the Scheduled July 1, 1998 Interest Rate Change written by United States. Congress. House. Committee on Education and the Workforce. Subcommittee on Postsecondary Education, Training, and Life-long Learning and published by . This book was released on 1998 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Labor and Human Resources. Subcommittee on Education, Arts, and Humanities Publisher : ISBN 13 : Total Pages :952 pages Book Rating :4.3/5 (121 download)
Book Synopsis Problems of Default in the Guaranteed Student Loan Program by : United States. Congress. Senate. Committee on Labor and Human Resources. Subcommittee on Education, Arts, and Humanities
Download or read book Problems of Default in the Guaranteed Student Loan Program written by United States. Congress. Senate. Committee on Labor and Human Resources. Subcommittee on Education, Arts, and Humanities and published by . This book was released on 1988 with total page 952 pages. Available in PDF, EPUB and Kindle. Book excerpt:
