An Administrative Solution To The Student Loan Debt Crisis
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| Author | : Justin Van Orsdol |
| Publisher | : |
| Total Pages | : 0 |
| Release | : 2022 |
| Genre | : |
| ISBN | : |
To say that the student loan debt crisis is out of control is a massive understatement. Although solutions such as Public Service Loan Forgiveness and the recent temporary payment/interest rate freeze have provided some relief for borrowers, more can be done. Of course, as with any large outlay of taxpayer dollars, opposition is sure to be heated. Given the current political climate, the likelihood of any legislative fixes seems unlikely.But what if there was an administrative solution that could do more to address this crisis without the cost of the legislative process? This essay proposes such a solution. It explains how, through an executive order and changes in the Federal Acquisition Regulation, the Government can provide additional relief to the 5.3 million people who work for federal contractors. Further, this essay explains why such an approach might be more advantageous than traditional legislation and counters likely rebuttals.
| Author | : Avery Elizabeth Hurt |
| Publisher | : Greenhaven Publishing LLC |
| Total Pages | : 128 |
| Release | : 2019-12-15 |
| Genre | : Young Adult Nonfiction |
| ISBN | : 1534506241 |
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.
| Author | : Christine A. Kingston |
| Publisher | : |
| Total Pages | : 234 |
| Release | : 2021-05-11 |
| Genre | : Education |
| ISBN | : 9780990689812 |
Admit it. We have a student loan debt crisis that is holding 43 million Americans hostage over more than $1.7 trillion dollars in student loan debt. The new government administration is promising to improve upon the administrative remedies, but will that be enough? Will student loans become eligible for a bankruptcy discharge without the current Undue Hardship requirements? Are there other options? How To Tame The Student Loan Dragon provides readers a look back in history to see how we got into this mess in the first place; a review of the many different types of loans that are out there and the options for taming those dragons. You'll hear from attorney Kingston's clients directly and how they worked through the legal process to gain control for themselves. Get a peek into the future and opportunities that may be on the horizon and tips for those considering funding their college education with student loans.
| Author | : Robert H. Scott, III |
| Publisher | : Springer Nature |
| Total Pages | : 142 |
| Release | : 2023-11-08 |
| Genre | : Business & Economics |
| ISBN | : 3031463757 |
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.
| Author | : Brian W Kelly |
| Publisher | : |
| Total Pages | : |
| Release | : 2016-08-26 |
| Genre | : |
| ISBN | : 9780997766790 |
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.
| Author | : Elizabeth Tandy Shermer |
| Publisher | : Harvard University Press |
| Total Pages | : 401 |
| Release | : 2021-08-03 |
| Genre | : Education |
| ISBN | : 0674251482 |
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 | : Beth Akers |
| Publisher | : Princeton University Press |
| Total Pages | : 192 |
| Release | : 2018-05-29 |
| Genre | : Education |
| ISBN | : 0691181101 |
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.
| Author | : Cryn Johannsen |
| Publisher | : |
| Total Pages | : |
| Release | : 2016-05-01 |
| Genre | : College costs |
| ISBN | : 9780996548670 |
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.
| Author | : Robert Leslie Fisher |
| Publisher | : Rowman & Littlefield |
| Total Pages | : 283 |
| Release | : 2021-11-08 |
| Genre | : Social Science |
| ISBN | : 1793614318 |
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.
| Author | : Henry Renner |
| Publisher | : |
| Total Pages | : 90 |
| Release | : 2020-08-07 |
| Genre | : |
| ISBN | : |
WHAT DO YOU KNOW ABOUT THE STUDENT DEBT CRISIS? A June 12, 2020 report by the CNBC has made us to understand that 44 million Americans collectively hold over $1.6 trillion in student debt. And these numbers show no sign of declining. To worsen the situation, technological advancements, most especially automation, are making it harder to earn a living wage without some type of advanced degree. Currently, wages earned by graduate students are 80% higher than what is earned with just a high school diploma. Every year, the United States Department of Education coughs out billions of dollars to help students get through college. This help comes through scholarships, grants and loans. You can have a share of this cake and live your dreams. But... on a second thought, we have heard that in February this year, the US officially entered a recession, and over 42.6 million Americans filed for unemployment between mid-March and June. During the 2008 recession, many opted to go back to school and gain new skills. However, since then, the cost of a four-year college degree increased by 25% and student debt increased by 107% and many are less sure if college will be the solution to riding out a recession this time around. Going to college is a costly adventure. But that's not the issue. The issue is that it is getting more expensive than ever before. Only the brave can. Are you brave? If you are as strong as we think you are, then maybe you can broaden your shoulders to bear the burden of going to college with a student loan. Hey, take a chill pill, will you? It is not as hard as you think. But how? is the question. And that's where this guide comes in. Student Loan Guide will teach you: -Requirements that make you eligible for a student loan. -The maximum and minimum amount you should borrow. -Tip-S to filling the financial aid form. -Best repayment options. -How to deal with student loan crisis. Among others... So, are you ready to understand the rudiments of student loans? Then get your copy of this guide via the BUY NOW link.
