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Author : Tisa Silver Canady
Publisher :
ISBN 13 : 9781734333954
Total Pages : pages
Book Rating : 4.3/5 (339 download)
Download or read book Borrowing While Black written by Tisa Silver Canady and published by . This book was released on 2020-06 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :
Publisher : AuthorHouse
ISBN 13 : 1467087831
Total Pages : 124 pages
Book Rating : 4.4/5 (67 download)
Download or read book The Educated Borrower written by and published by AuthorHouse. This book was released on with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Joel Best
Publisher : Univ of California Press
ISBN 13 : 0520276450
Total Pages : 246 pages
Book Rating : 4.5/5 (22 download)
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"--
Author : Alan Collinge
Publisher : Beacon Press
ISBN 13 : 0807096725
Total Pages : 188 pages
Book Rating : 4.8/5 (7 download)
Download or read book The Student Loan Scam written by Alan Collinge and published by Beacon Press. This book was released on 2009-02-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt. Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.
Author : United States
Publisher :
ISBN 13 :
Total Pages : 432 pages
Book Rating : 4.3/5 (121 download)
Download or read book Higher Education Opportunity Act written by United States and published by . This book was released on 2008 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Valerie Frank
Publisher :
ISBN 13 : 9781425988555
Total Pages : 120 pages
Book Rating : 4.9/5 (885 download)
Download or read book The Educated Borrower written by Valerie Frank and published by . This book was released on 2007-01-01 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : William Elliott III
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440844887
Total Pages : 324 pages
Book Rating : 4.4/5 (48 download)
Download or read book Student Debt written by William Elliott III and published by Bloomsbury Publishing USA. This book was released on 2017-01-26 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the process—from the banks that issue the loans to the colleges and universities that collect the payments. Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed? The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explains what is contributing to the rising rate of borrowers defaulting on their loans; and predicts whether the so-called student loan bubble is in danger of popping. The Data and Documents chapter analyzes data gathered from discussions about student debt. This information enables readers to better understand who is borrowing student loans, what the money from the student loans is going toward, what individuals have the authority to decide who qualifies for these loans, and what is being done to curb wasteful student spending.
Author : Rebecca Makkai
Publisher : Penguin
ISBN 13 : 1101516089
Total Pages : 226 pages
Book Rating : 4.1/5 (15 download)
Download or read book The Borrower written by Rebecca Makkai and published by Penguin. This book was released on 2011-06-09 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this delightful, funny, and moving first novel, a librarian and a young boy obsessed with reading take to the road. Lucy Hull, a young children's librarian in Hannibal, Missouri, finds herself both a kidnapper and kidnapped when her favorite patron, ten- year-old Ian Drake, runs away from home. The precocious Ian is addicted to reading, but needs Lucy's help to smuggle books past his overbearing mother, who has enrolled Ian in weekly antigay classes with celebrity Pastor Bob. Lucy stumbles into a moral dilemma when she finds Ian camped out in the library after hours with a knapsack of provisions and an escape plan. Desperate to save him from Pastor Bob and the Drakes, Lucy allows herself to be hijacked by Ian. The odd pair embarks on a crazy road trip from Missouri to Vermont, with ferrets, an inconvenient boyfriend, and upsetting family history thrown in their path. But is it just Ian who is running away? Who is the man who seems to be on their tail? And should Lucy be trying to save a boy from his own parents?
Author : Elizabeth Tandy Shermer
Publisher : Harvard University Press
ISBN 13 : 0674251482
Total Pages : 401 pages
Book Rating : 4.6/5 (742 download)
Download or read book Indentured Students written by Elizabeth Tandy Shermer and published by Harvard University Press. This book was released on 2021-08-03 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: The untold history of how AmericaÕs student-loan program turned the pursuit of higher education into a pathway to poverty. It didnÕt always take thirty years to pay off the cost of a bachelorÕs degree. Elizabeth Tandy Shermer untangles the history that brought us here and discovers that the story of skyrocketing college debt is not merely one of good intentions gone wrong. In fact, the federal student loan program was never supposed to make college affordable. The earliest federal proposals for college affordability sought to replace tuition with taxpayer funding of institutions. But Southern whites feared that lower costs would undermine segregation, Catholic colleges objected to state support of secular institutions, professors worried that federal dollars would come with regulations hindering academic freedom, and elite-university presidents recoiled at the idea of mass higher education. Cold War congressional fights eventually made access more important than affordability. Rather than freeing colleges from their dependence on tuition, the government created a loan instrument that made college accessible in the short term but even costlier in the long term by charging an interest penalty only to needy students. In the mid-1960s, as bankers wavered over the prospect of uncollected debt, Congress backstopped the loans, provoking runaway inflation in college tuition and resulting in immense lender profits. Today 45 million Americans owe more than $1.5 trillion in college debt, with the burdens falling disproportionately on borrowers of color, particularly women. Reformers, meanwhile, have been frustrated by colleges and lenders too rich and powerful to contain. Indentured Students makes clear that these are not unforeseen consequences. The federal student loan system is working as designed.
Author : Ryan H. Law
Publisher :
ISBN 13 : 9781718079434
Total Pages : 88 pages
Book Rating : 4.0/5 (794 download)
Download or read book Student Loan Planning written by Ryan H. Law and published by . This book was released on 2018-08-13 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt: Despite federally mandated entrance and exit counseling about student loans, research shows that the majority of borrowers are confused about their debt and the terms they are borrowing on: ●64% of students worry about having enough money to pay for school ●65% misunderstood aspects of their loans, including the repayment terms, the amount of their monthly payment, or the interest rate ●⅔ of borrowers do not understand the difference between federal and private loans ●60% of students have more student loan debt than they expected to have ●⅔ of borrowers are not sure they will be able to pay off their student loans The purpose of this book is to give you a baseline understanding of student loans. We will review how to minimize student loans, types of loans, repayment plans, delinquency and default, forgiveness programs, and strategies to pay off debt as quickly as possible.
Author :
Publisher :
ISBN 13 :
Total Pages : 6 pages
Book Rating : 4.3/5 (121 download)
Download or read book The Federal Student Aid Information Center written by and published by . This book was released on 1997 with total page 6 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Brad Hershbein
Publisher : W.E. Upjohn Institute
ISBN 13 : 0880994843
Total Pages : 484 pages
Book Rating : 4.8/5 (89 download)
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.
Author : Scott D. MacDonald
Publisher : Indiana University Press
ISBN 13 : 0253051452
Total Pages : 263 pages
Book Rating : 4.2/5 (53 download)
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.
Author : Amy Baldwin
Publisher :
ISBN 13 : 9781951693169
Total Pages : pages
Book Rating : 4.6/5 (931 download)
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:
Author : Derek V. Price
Publisher : Lynne Rienner Publishers
ISBN 13 : 9781588262165
Total Pages : 186 pages
Book Rating : 4.2/5 (621 download)
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.
Author : John Cook
Publisher :
ISBN 13 :
Total Pages : 116 pages
Book Rating : 4.6/5 (913 download)
Download or read book Educated But Broke written by John Cook and published by . This book was released on 2020-09-27 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: All of my friends have student loan debt. All of them. It's shocking and initially hopeless. Student loan debt has become the norm for many 20 to 40 somethings and the idea of living a life without the burden of Sallie Mae or the US Department of Education is laughable. Even talking about paying off student loan debt early triggers countless eyerolls and the all to common statements like "yeah but we live in _____ (insert any metro city here)" or "we don't makeenough money" or "we're waiting for the government to forgive our debt".For a long time, John was part of this group: educated, motivated, dual-income households achieving economic success. Accomplished young professionals who drove nice (leased) cars, while living in major-city apartments or lofts where rent consumed 40% of ones post-taxincome. Spending alot but saving very little. My friends and colleagues jokingly called this slice of society the educated but broke.It wasn't well into John's early 30s and $170,000 dollars of student loan debt later, did he realize that he was one of them. Seeking the wisdom of mentors who've created generational health, John took their advice and created a plan that enabled him to pay off over $170,000 of studentloan debt in 24 months. More importantly, he realized that on the path to true wealth creation, there were 8 money lessons which need to be mastered.Educated but broke outlines both the path to student loan freedomand the 8 money lessons to true wealth creation, including:1. Why your student loan interest is really keeping you broke2. Calculating the true cost of your loan3. Realizing that your FICO score is the greatest scam in modern America4. Why your life is better with no credit card debt, and how to get there5. How to determine to you pay off debt before contributing to your 401k6. Refinancing your debt can save you money if done correctly7. Accepting that government will never forgive your debt, and what to do now8. How to turn your money into more money with a written budgetwww.educatedbutbroke.com
Author : William Elliott III
Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440836477
Total Pages : 266 pages
Book Rating : 4.4/5 (48 download)
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.
