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Game Of Loans

Author: Beth Akers
Publisher: Princeton University Press
ISBN: 140088327X
Size: 34.45 MB
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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.

Paying The Price

Author: Sara Goldrick-Rab
Publisher: University of Chicago Press
ISBN: 022640434X
Size: 17.58 MB
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One of the most sustained and vigorous public debates today is about the value and, crucially, the price of college. But an unspoken, outdated assumption underlies all sides of this debate: if a young person works hard enough, they'll be able to get a college degree and be on the path to a good life. That's simply not true anymore, says Sara Goldrick-Rab. Quite simply, 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. Drawing on a study of 3,000 young adults who entered public colleges and universities in Wisconsin in 2008 with the support of federal aid and Pell Grants, Goldrick-Rab reveals the devastating effect of these shortfalls. She believes America can fix this problem. In the final section of the book, Goldrick-Rab offers a range of possible solutions.

Student Debt

Author: Sandy Baum
Publisher: Springer
ISBN: 1137527382
Size: 69.13 MB
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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.

Student Loans And The Dynamics Of Debt

Author: Brad Hershbein
Publisher: W.E. Upjohn Institute
ISBN: 0880994843
Size: 18.27 MB
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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.

Aiding Students Buying Students

Author: Rupert Wilkinson
Publisher: Vanderbilt University Press
ISBN: 9780826515025
Size: 26.10 MB
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Wilkinson traces the history of undergraduate financial aid at American colleges and universities; the origins, purposes, and impacts of merit- and need-based aid; the federal government's role; the evolution of elite private institutions; and the current climate and concerns. The concluding chapter lays out how these factors, combined with increasing costs of attending college, impact low-income minority students and how reforms on campuses and in Washington, DC, can better serve higher education and the more disadvantaged students.

Women And Microcredit In Rural Bangladesh

Author: Aminur Rahman
Publisher: Westview Press
ISBN: 0813339308
Size: 27.54 MB
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The first anthropological study of the Grameen Bank microlending program to rural poor women, focused on both economic and social processes to examine and understand grassroots microlending structure and its implications for women borrowers, societal members, bank workers and for the sustainability and growth of lending institutions.

The Problem Of College Readiness

Author: William G. Tierney
Publisher: SUNY Press
ISBN: 1438457251
Size: 80.51 MB
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Examines how states, schools, and postsecondary institutions might best help improve college readiness and completion. Though more students are entering college, many drop out, especially those who are low income and/or of color. To address this problem, educational stakeholders have focused on the concept of “college readiness,” or the preparation a student needs to succeed in college. However, what it means to be college ready and how to help more students become ready are questions without clear answers. By way of historical and contemporary analyses, this book uses California as a case study to demonstrate how the state has endeavored to make postsecondary opportunity accessible for all students. The contributors also explore the challenges that remain and address what states and schools can do to improve college readiness and completion. “This book adds important information to the debates and discussions around this critical topic.” — Caroline Sotello Viernes Turner, coeditor of Understanding Minority-Serving Institutions

Globaloney

Author: Michael Veseth
Publisher: Rowman & Littlefield
ISBN: 9780742536593
Size: 46.82 MB
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Veseth separates rhetoric from reality by taking close-ups of classic globalization images and comparing them with unexpected alternative visions.

Liar S Poker

Author: Michael Lewis
Publisher: W. W. Norton & Company
ISBN: 9780393066258
Size: 64.84 MB
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The time was the 1980s. The place was Wall Street. The game was called Liar’s Poker. Michael Lewis was fresh out of Princeton and the London School of Economics when he landed a job at Salomon Brothers, one of Wall Street’s premier investment firms. During the next three years, Lewis rose from callow trainee to bond salesman, raking in millions for the firm and cashing in on a modern-day gold rush. Liar’s Poker is the culmination of those heady, frenzied years—a behind-the-scenes look at a unique and turbulent time in American business. From the frat-boy camaraderie of the forty-first-floor trading room to the killer instinct that made ambitious young men gamble everything on a high-stakes game of bluffing and deception, here is Michael Lewis’s knowing and hilarious insider’s account of an unprecedented era of greed, gluttony, and outrageous fortune.

Chimpanzee

Author: Darin Bradley
Publisher: Resurrection House
ISBN: 1630230189
Size: 35.88 MB
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Unemployment has ravaged the U.S. economy. People struggle everywhere, exhausted by the collapse that destroyed their lives. Benjamin Cade is an expert in cognition, and before the flatlined economy caught up to him, he earned his living as a university instructor. Now, without income, he joins the millions defaulting on their loans — in his case, the money he borrowed to finance his degrees. But there are consequences. Using advances in cognitive science and chemical therapy, Ben’s debtors can reclaim their property — his education. The government calls the process “Repossession Therapy.” The data Ben’s repossession will yield is invaluable to those improving the “indexing” technology — a remarkable medical advance that has enabled the effective cure of all mental disorders. By disassembling his mind, doctors will gain the expertise to assist untold millions. But Ben has no intention of losing his mind without a fight, so he begins teaching in the park, distributing his knowledge before it’s gone in a race against ignorance. And somewhere in Ben’s confusing takedown, Chimpanzee arrives. Its iconography appears spray-painted around town. Young people in rubber chimpanzee masks start massive protests. As Ben slowly loses himself, the Chimpanzee movement seems to grow. And all fingers point to Ben.