Download game of loans the rhetoric and reality of student debt in pdf or read game of loans the rhetoric and reality of student debt in pdf online books in PDF, EPUB and Mobi Format. Click Download or Read Online button to get game of loans the rhetoric and reality of student debt in pdf book now. This site is like a library, Use search box in the widget to get ebook that you want.



Game Of Loans

Author: Beth Akers
Publisher:
ISBN: 9780691167152
Size: 17.53 MB
Format: PDF, Docs
View: 3374
Download and Read
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.

Game Of Loans

Author: Beth Akers
Publisher: Princeton University Press
ISBN: 140088327X
Size: 41.55 MB
Format: PDF, Kindle
View: 3330
Download and Read
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: 11.25 MB
Format: PDF, Kindle
View: 7714
Download and Read
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: 12.20 MB
Format: PDF, ePub
View: 536
Download and Read
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: 28.68 MB
Format: PDF, ePub, Mobi
View: 1410
Download and Read
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.

Unequal Colleges In The Age Of Disparity

Author: Charles T. Clotfelter
Publisher: Harvard University Press
ISBN: 0674982517
Size: 20.55 MB
Format: PDF, ePub
View: 7717
Download and Read
Based on quantitative comparisons of colleges since the 1970s, Charles Clotfelter reveals that despite the civil rights revolution, billions spent on financial aid, and the commitment of colleges to greater equality, stratification in higher education has grown starker. He explains why undergraduate education—unequal in 1970—is even more so today.

The Student Loan Mess

Author: Joel Best
Publisher: Univ of California Press
ISBN: 0520276450
Size: 31.66 MB
Format: PDF, ePub, Mobi
View: 3157
Download and Read
"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"--

The End Of College

Author: Kevin Carey
Publisher: Penguin
ISBN: 1101634596
Size: 56.71 MB
Format: PDF, Kindle
View: 6060
Download and Read
From a renowned education writer comes a paradigm-shifting examination of the rapidly changing world of college that every parent, student, educator, and investor needs to understand. Over the span of just nine months in 2011 and 2012, the world’s most famous universities and high-powered technology entrepreneurs began a race to revolutionize higher education. College courses that had been kept for centuries from all but an elite few were released to millions of students throughout the world—for free. Exploding college prices and a flagging global economy, combined with the derring-do of a few intrepid innovators, have created a dynamic climate for a total rethinking of an industry that has remained virtually unchanged for a hundred years. In The End of College, Kevin Carey, an education researcher and writer, draws on years of in-depth reporting and cutting-edge research to paint a vivid and surprising portrait of the future of education. Carey explains how two trends—the skyrocketing cost of college and the revolution in information technology—are converging in ways that will radically alter the college experience, upend the traditional meritocracy, and emancipate hundreds of millions of people around the world. Insightful, innovative, and accessible, The End of College is a must-read, and an important contribution to the developing conversation about education in this country.

Chimpanzee

Author: Darin Bradley
Publisher: Resurrection House
ISBN: 1630230189
Size: 16.30 MB
Format: PDF, Mobi
View: 5835
Download and Read
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.

The Student Loan Scam

Author: Alan Collinge
Publisher: Beacon Press
ISBN: 0807096725
Size: 74.82 MB
Format: PDF, ePub
View: 7413
Download and Read
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.