Innovative Solutions To The College Debt Problem

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Innovative Solutions to the College Debt Problem

Author : David Bernstein
Publisher :
ISBN 13 : 9781982999445
Total Pages : 47 pages
Book Rating : 4.9/5 (994 download)

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Book Synopsis Innovative Solutions to the College Debt Problem by : David Bernstein

Download or read book Innovative Solutions to the College Debt Problem written by David Bernstein and published by . This book was released on 2018-05-26 with total page 47 pages. Available in PDF, EPUB and Kindle. Book excerpt: The current generation of students is finishing college with more debt than any other generation. More elderly Americans are entering retirement with outstanding student loans. These trends are accelerating. Excessive student debt reduces the ability of borrowers to save, prepare for retirement, and purchase a house. Increased student debt burdens are adversely impacting family formation, quality of life, and opportunity in our society.Proposals offered by the Trump Administration would worsen this situation. Recent administrative actions have already weakened consumer protections for many student borrowers.Solutions offered by Secretary Clinton in her 2016 campaign were highly unrealistic, expensive, and burdensome to state governments and universities. The paper offers 12 practical policy proposals designed to reduce student debt burdens. The proposals utilize 4 policy levers - (I) additional targeted financial assistance, (2) debt relief, (3) improvements in information about college outcomes and costs, and (4) policies to improve on-time graduation rates. Several of the proposed policies offered here are notably different from current programs and policies under active consideration.The primary proposal for expanding financial assistance presented here involves expanded aid to first-year students. Most previous proposals spread all additional assistance over the entire undergraduate population.The proposals for assisting overextended borrowers involve modifications to basic student loan contracts and changes in bankruptcy law. The current policy discussion revolves around modifications to Income Contingent Loan programs.One proposal presented here attempts to partially insulate future students from automatic increases in costs stemming from higher market interest rates. By contrast, recent discussions in Congress focused on immediate reductions in student loan interest rates for students in the current low-interest rate environment.The work recognizes improvements in college assistance and debt relief programs will not resolve student debt problems incurred by students who enroll in a subpar academic program or fail to graduate in a timely manner. Several proposals seek to improve consumer information on school quality and improve on-time graduation rates.The growth of student debt is resulting in an increase in wealth inequality because the growth in student debt is reducing the ability of many students to save for other goals, including retirement savings and house ownership. Moreover, tax preferences for 401(k) contributions and mortgage payments persuade many people to delay repayment of student loans. Failure to adopt policies that would lower student debt burdens may eventually result in reconsideration of current tax incentives. The student debt proposals presented here attempt to target assistance towards people who might not otherwise attend college or are highly likely to default without some help. I hope this analysis demonstrates economic efficiency need not be the enemy of progressive policy.

Game of Loans

Author : Beth Akers
Publisher : Princeton University Press
ISBN 13 : 0691181101
Total Pages : 192 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis Game of Loans by : Beth Akers

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.

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.

Solving the Student Loan Crisis

Author : Cryn Johannsen
Publisher :
ISBN 13 : 9780996548670
Total Pages : pages
Book Rating : 4.5/5 (486 download)

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Book Synopsis Solving the Student Loan Crisis by : Cryn Johannsen

Download or read book Solving the Student Loan Crisis written by Cryn Johannsen and published by . This book was released on 2016-05-01 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The student loan debt crisis has mushroomed into a national crisis, with 43 million Americans in debt for having gone to college. Their total debt is a whopping $1.3 trillion dollars. That's roughly 1 in 8 Americans that owes money for getting a higher education and trying to better himself or herself. The problem can no longer be approached at the individual level, with each person trying to figure out how to deal with the costs of higher education. We need a new national-level examination of the costs of higher education and how to fix the crisis. This book is for students, parents, and policy-makers.

Student Debt

Author : Avery Elizabeth Hurt
Publisher : Greenhaven Publishing LLC
ISBN 13 : 1534506241
Total Pages : 128 pages
Book Rating : 4.5/5 (345 download)

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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.

The Trump Plan Solves the Student Debt Crisis

Author : Brian W Kelly
Publisher :
ISBN 13 : 9780997766790
Total Pages : pages
Book Rating : 4.7/5 (667 download)

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Book Synopsis The Trump Plan Solves the Student Debt Crisis by : Brian W Kelly

Download or read book The Trump Plan Solves the Student Debt Crisis written by Brian W Kelly and published by . This book was released on 2016-08-26 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Donald Trump in simple terms has netted out the student debt crisis from a student and parent perspectives: "They go, and they work, and they take loans, and they're borrowed up, and they can't breathe, and they get through college and the worst thing is, they go through that whole process and they don't have any job." Trump has it right on and worse than that. They lose hope. Trump really cares and he took the time recently to excoriate the Obama Administration and government for making it worse by making money on the student loan program: "You know the one program that the U.S. makes a whole lot of money with is student loans, and that's maybe the one program they shouldn't be making money with... "So we're going to have to start a program," he said. "We're going to do something very big with loans because you have to get these people going. They really feel down and out." Donald J. Trump feels the pain and is going to solve the problem by refinancing, extending, better payment plans, getting universities to take some skin in the matter, and a number of other clever ways. He will address both the massive $1.3 Trillion student debt already on the books and he will work to assure that students have a chance of success and a job when they take out a college loan. It's about time. This book tells you how he plans to do it.

The Student Loan Mess

Author : Joel Best
Publisher : Univ of California Press
ISBN 13 : 0520276450
Total Pages : 246 pages
Book Rating : 4.5/5 (22 download)

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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"--

Education without Debt

Author : Scott D. MacDonald
Publisher : Indiana University Press
ISBN 13 : 0253051452
Total Pages : 263 pages
Book Rating : 4.2/5 (53 download)

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Book Synopsis Education without Debt by : Scott D. MacDonald

Download or read book Education without Debt written by Scott D. MacDonald and published by Indiana University Press. This book was released on 2021-01-12 with total page 263 pages. Available in PDF, EPUB and Kindle. Book excerpt: Almost 50 million Americans have cumulatively borrowed more than $1.5 trillion to attend college. Roughly one-third of all adults aged 25 to 34 have a student loan. In Education without Debt businessman and philanthropist Scott MacDonald examines the real-life impact of crushing levels of student debt on borrowers and what can be done to fix this crisis. Weaving together stories of debt-impaired lives with stories of personal success achieved with the essential help of financial aid, MacDonald reveals the devastating personal and societal impact of the debt problem and offers possible solutions. He explores the efforts of colleges and private philanthropists to make education affordable and relates his own experience of funding financial aid for need-eligible students at five universities. Education without Debt is a must-read book for anyone concerned about the rising cost of education and what to do about this critical policy and societal issue.

Investing in Higher Education

Author : White House Council of Economic Advisers
Publisher :
ISBN 13 : 9781457863875
Total Pages : 78 pages
Book Rating : 4.8/5 (638 download)

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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.

Bait and Switch

Author : Robert H. Scott, III
Publisher : Springer Nature
ISBN 13 : 3031463757
Total Pages : 142 pages
Book Rating : 4.0/5 (314 download)

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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.

Indebted

Author : Caitlin Zaloom
Publisher : Princeton University Press
ISBN 13 : 0691223211
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: How the financial pressures of paying for college affect the lives and well-being of middle-class families The struggle to pay for college is a defining feature of middle-class life in America. Caitlin Zaloom takes readers into homes of families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed our most sacred relationships. She describes the profound moral conflicts for parents as they try to honor what they see as their highest parental duty—providing their children with opportunity—and shows how parents and students alike are forced to gamble on an investment that might not pay off. Superbly written and unflinchingly honest, Indebted breaks through the culture of silence surrounding the student debt crisis, exposing the unspoken costs of sending our kids to college.

Debt-Free Degree

Author : Anthony ONeal
Publisher : Ramsey Press
ISBN 13 : 1942121121
Total Pages : 224 pages
Book Rating : 4.9/5 (421 download)

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Book Synopsis Debt-Free Degree by : Anthony ONeal

Download or read book Debt-Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.

The Debt Trap

Author : Josh Mitchell
Publisher : Simon and Schuster
ISBN 13 : 1501199501
Total Pages : 160 pages
Book Rating : 4.5/5 (11 download)

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Book Synopsis The Debt Trap by : Josh Mitchell

Download or read book The Debt Trap written by Josh Mitchell and published by Simon and Schuster. This book was released on 2021-08-03 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: AN NPR AND NEW YORK POST BEST BOOK OF 2021 From acclaimed Wall Street Journal reporter Josh Mitchell, the “devastating account” (The Wall Street Journal) of student debt in America. In 1981, a new executive at Sallie Mae took home the company’s financial documents to review. “You’ve got to be shitting me,” he later told the company’s CEO. “This place is a gold mine.” Over the next four decades, the student loan industry that Sallie Mae and Congress created blew up into a crisis that would submerge a generation of Americans into $1.5 trillion in student debt. In The Debt Trap, Wall Street Journal reporter Josh Mitchell tells the “vivid and compelling” (Chicago Tribune) untold story of the scandals, scams, predatory actors, and government malpractice that have created the behemoth that one of its original architects called a “monster.” As he charts the “jaw-dropping” (Jeffrey Selingo, New York Times bestselling author of Who Gets in and Why) seventy-year history of student debt in America, Mitchell never loses sight of the countless student victims ensnared by an exploitative system that depends on their debt. Mitchell also draws alarming parallels to the housing crisis in the late 2000s, showing the catastrophic consequences student debt has had on families and the nation’s future. Mitchell’s character-driven narrative is “necessary reading” (The New York Times) for anyone wanting to understand the central economic issue of our day.

Student Debt

Author : Sandy Baum
Publisher : Springer
ISBN 13 : 1137527382
Total Pages : 132 pages
Book Rating : 4.1/5 (375 download)

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Book Synopsis Student Debt by : Sandy Baum

Download or read book Student Debt written by Sandy Baum and published by Springer. This book was released on 2016-07-20 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book analyzes reliable evidence to tell the true story of student debt in America. One of the nation’s foremost experts on college finance, Sandy Baum exposes how misleading the widely accepted narrative on student debt is. Baum combines data, research, and analysis to show how the current discourse obscures serious problems, risks misdirecting taxpayer dollars, and could deprive too many Americans of the educational opportunities they deserve. This book and its policy recommendations provide the basis for a new and more constructive national agenda to make paying for college more manageable.

President Donald J. Trump, Master Builder

Author : Brian W. Kelly
Publisher :
ISBN 13 : 9780998628240
Total Pages : pages
Book Rating : 4.6/5 (282 download)

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Book Synopsis President Donald J. Trump, Master Builder by : Brian W. Kelly

Download or read book President Donald J. Trump, Master Builder written by Brian W. Kelly and published by . This book was released on 2017-02-02 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Donald Trump is the only President we have ever had who is capable of solving the student debt crisis. I am counting on him to do just that. Mr. Trump has already netted out the student loan crisis from both a student and a parent perspective: "They go, and they work, and they take loans, and they're borrowed up, and they can't breathe, and they get through college and the worst thing is, they go through that whole process and they don't have any job." President Trump has it right on, and it is even worse than that. They lose hope. The President really cares about young Americans. He took the time recently to excoriate the Obama Administration and government in general for making it worse for students by making money on the student loan program: "You know the one program that the U.S. makes a whole lot of money with is student loans, and that's maybe the one program they shouldn't be making money with... "So, we're going to have to start a program," he said. "We're going to do something very big with loans because you have to get these people going. They really feel down and out." Donald J. Trump feels the pain and is going to solve the problem by refinancing, extending, better payment plans, getting universities to take some skin in the matter, and several other clever ways. He will address both the massive $1.3 Trillion student debt already on the books and he will work to assure that students have a chance of success and a job when they take out a college loan. It's about time. This book tells you how he plans to make the problem go away. Once this President meets a problem he chooses to solve, he gets the job done and he completes huge tasks in record time. He is one of a kind

International Monetary Fund Annual Report 2019 Financial Statements

Author : International Monetary Fund
Publisher : International Monetary Fund
ISBN 13 : 1513511726
Total Pages : 122 pages
Book Rating : 4.5/5 (135 download)

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Book Synopsis International Monetary Fund Annual Report 2019 Financial Statements by : International Monetary Fund

Download or read book International Monetary Fund Annual Report 2019 Financial Statements written by International Monetary Fund and published by International Monetary Fund. This book was released on 2019-10-04 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: The audited consolidated financial statements of the International Monetary Fund as of April 30, 2019 and 2018

Thick

Author : Tressie McMillan Cottom
Publisher : The New Press
ISBN 13 : 1620974371
Total Pages : 113 pages
Book Rating : 4.6/5 (29 download)

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Book Synopsis Thick by : Tressie McMillan Cottom

Download or read book Thick written by Tressie McMillan Cottom and published by The New Press. This book was released on 2018-01-08 with total page 113 pages. Available in PDF, EPUB and Kindle. Book excerpt: FINALIST FOR THE 2019 NATIONAL BOOK AWARD Named a notable book of 2019 by the New York Times Book Review, Chicago Tribune, Time, and The Guardian As featured by The Daily Show, NPR, PBS, CBC, Time, VIBE, Entertainment Weekly, Well-Read Black Girl, and Chris Hayes, "incisive, witty, and provocative essays" (Publishers Weekly) by one of the "most bracing thinkers on race, gender, and capitalism of our time" (Rebecca Traister) “Thick is sure to become a classic.” —The New York Times Book Review In eight highly praised treatises on beauty, media, money, and more, Tressie McMillan Cottom—award-winning professor and acclaimed author of Lower Ed—is unapologetically "thick": deemed "thick where I should have been thin, more where I should have been less," McMillan Cottom refuses to shy away from blending the personal with the political, from bringing her full self and voice to the fore of her analytical work. Thick "transforms narrative moments into analyses of whiteness, black misogyny, and status-signaling as means of survival for black women" (Los Angeles Review of Books) with "writing that is as deft as it is amusing" (Darnell L. Moore). This "transgressive, provocative, and brilliant" (Roxane Gay) collection cements McMillan Cottom's position as a public thinker capable of shedding new light on what the "personal essay" can do. She turns her chosen form into a showcase for her critical dexterity, investigating everything from Saturday Night Live, LinkedIn, and BBQ Becky to sexual violence, infant mortality, and Trump rallies. Collected in an indispensable volume that speaks to the everywoman and the erudite alike, these unforgettable essays never fail to be "painfully honest and gloriously affirming" and hold "a mirror to your soul and to that of America" (Dorothy Roberts).