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Paying The Price

Author: Sara Goldrick-Rab
Publisher: University of Chicago Press
ISBN: 022640448X
Size: 21.71 MB
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If you are a young person, and you work hard enough, you can get a college degree and set yourself on the path to a good life, right? Not necessarily, says Sara Goldrick-Rab, and with Paying the Price, she shows in damning detail exactly why. 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 an unprecedented 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. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that shocking data with devastating stories of six individual students, whose struggles make clear the horrifying human and financial costs of our convoluted financial aid policies. America can fix this problem. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. What’s not an option, this powerful book shows, is doing nothing, and continuing to crush the college dreams of a generation of young people.

Paying The Price

Author: Sara Goldrick-Rab
Publisher: University of Chicago Press
ISBN: 022640434X
Size: 36.21 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 But an unspoken, outdated assumption underlies all sides of this debate: if a young person works hard enough, they'll be able to get a college degree and be on the path to a good life.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.

Why Does College Cost So Much

Author: Robert B. Archibald
Publisher: Oxford University Press
ISBN: 0190214104
Size: 58.97 MB
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For much of the past century college tuition has risen more rapidly than the inflation rate. Unlike many analyses of higher education, Archibald and Feldman show how broad economic factors have combined to push up cost. These forces are largely out of the control of colleges and universities.

Lower Ed

Author: Tressie McMillan Cottom
Publisher: The New Press
ISBN: 162097472X
Size: 15.55 MB
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“The best book yet on the complex lives and choices of for-profit students.” —The New York Times Book Review As featured on The Daily Show, NPR’s Marketplace, and Fresh Air, the “powerful, chilling tale” (Carol Anderson, author of White Rage) of higher education becoming an engine of social inequality “p>Lower Ed is quickly becoming the definitive book on the fastest-growing sector of higher education at the turn of the twenty-first century: for-profit colleges. With sharp insight and deliberate acumen, Tressie McMillan Cottom—a sociologist who was once a recruiter at two for-profit colleges—expertly parses the fraught dynamics of this big-money industry. Drawing on more than one hundred interviews with students, employees, executives, and activists, Lower Ed details the benefits, pitfalls, and real costs of the expansion of for-profit colleges. Now with a new foreword by Stephanie Kelton, economic advisor to Bernie Sanders’s presidential campaign, this smart and essential book cuts to the very core of our nation’s broken social contracts and the challenges we face in our divided, unequal society.

Paying The Price

Author: Mark Zandi
Publisher: FT Press
ISBN: 0132180197
Size: 79.43 MB
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Only a few years ago, the U.S. financial system and economy were near collapse. Global financial institutions teetered and fell, while at once-mighty U.S. companies, panicked CEOs slashed jobs. The financial chaos inflicted catastrophic damage: double-digit unemployment; crashing house and stock prices; federal budget deficits in the trillions, and a wider gap between the country’s haves and have-nots. Today many Americans still feel shell-shocked. But while there remains much to be nervous and frustrated about, it is impressive how much progress has been made in righting the wrongs that got us into this mess. The economy is growing and steadily creating jobs; house prices are stable and stock prices are up; debt burdens have eased for most households and the financial system has shored up its foundations to an impressive degree. American companies are as competitive globally as they have been in a half century. This dramatic turn in the economy’s fortunes occurred because of what government did to stem the financial panic and combat the effects of Great Recession. Policymakers’ unprecedented actions – from Congress’ auto and bank bailouts and fiscal stimulus, to the Federal Reserve’s zero interest rates and quantitative easing – remain intensely controversial, but ultimately they will be judged a success. Serious problems remain, including the government’s mounting debt load and a burgeoning number of disenfranchised workers, but we are on our way to addressing them. Our economic future has arguably never been brighter.

When Grit Isn T Enough

Author: Linda Nathan
Publisher: Beacon Press
ISBN: 0807042986
Size: 55.11 MB
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"Examines major myths informing American education and explores how educators can better serve students, increase college retention rates, and develop alternatives to college that don't disadvantage students on the basis of race or income. As the founder and co-headmaster of the Boston Arts Academy (BAA), an urban high school that boasts a 94 percent college acceptance rate, Linda Nathan could have rested on her laurels. But after ushering in fourteen years of graduating classes, Nathan took stock of the graduates: of those who went to college, 63 percent graduated and 37 percent dropped out. Although these stats are good, given that the national drop-out and transfer rate from college after the first year is 40 percent, Nathan feels like she failed the students who didn't graduate. This led her to reflect on the assumptions she herself has perpetuated about education: that college is for all, that hard work and determination are enough to get you through, that America is a land of equality. Seeing a rift between these false promises and the lived experiences of her students, Nathan argues that it is time for educators to face these uncomfortable issues head-on and ask the tough questions: How can colleges better acknowledge and address institutional racism and increase retention rates? And for those who sought a career without college, how could high school have paved an alternate path to success? Nathan includes the voices of BAA alumni/ae whose lived experiences provide a window through which to view urban education today and help imagine greater purposes for schooling"--

Game Of Loans

Author: Beth Akers
Publisher: William G. Bowen Memorial Seri
ISBN: 9780691181103
Size: 12.53 MB
Format: PDF
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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.

Student Loans And The Dynamics Of Debt

Author: Brad Hershbein
Publisher: W.E. Upjohn Institute
ISBN: 0880994843
Size: 61.18 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.

Chasing The American Dream

Author: Mark Robert Rank PhD
Publisher: Oxford University Press
ISBN: 0199703302
Size: 38.74 MB
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The United States has been epitomized as a land of opportunity, where hard work and skill can bring personal success and economic well-being. The American Dream has captured the imagination of people from all walks of life, and to many, it represents the heart and soul of the country. But there is another, darker side to the bargain that America strikes with its people -- it is the price we pay for our individual pursuit of the American Dream. That price can be found in the economic hardship present in the lives of millions of Americans. In Chasing the American Dream, leading social scientists Mark Robert Rank, Thomas A. Hirschl, and Kirk A. Foster provide a new and innovative look into a curious dynamic -- the tension between the promise of economic opportunities and rewards and the amount of turmoil that Americans encounter in their quest for those rewards. The authors explore questions such as: -What percentage of Americans achieve affluence, and how much income mobility do we actually have? -Are most Americans able to own a home, and at what age? -How is it that nearly 80 percent of us will experience significant economic insecurity at some point between ages 25 and 60? -How can access to the American Dream be increased? Combining personal interviews with dozens of Americans and a longitudinal study covering 40 years of income data, the authors tell the story of the American Dream and reveal a number of surprises. The risk of economic vulnerability has increased substantially over the past four decades, and the American Dream is becoming harder to reach and harder to keep. Yet for most Americans, the Dream lies not in wealth, but in economic security, pursuing one's passions, and looking toward the future. Chasing the American Dream provides us with a new understanding into the dynamics that shape our fortunes and a deeper insight into the importance of the American Dream for the future of the country.

Friction

Author: Jeff Rosenblum
Publisher: powerHouse Books
ISBN: 157687883X
Size: 58.56 MB
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Every industry around the globe is being completely disrupted. Stalwart brands are losing market share to upstarts that capture our collective consciousness. Trillions of dollars are at stake. Brands know a new approach is needed. But most don’t realize the strategic underpinnings need to change. Great brands are no longer built through interruptive advertisements. Friction argues that brands don't simply need clever messages or new, shiny technologies. They need a fundamental change in strategy. Friction provides a system for embracing transparency, engaging audiences, creating evangelists, and unleashing unprecedented growth. The authors of Friction have worked on some of the industry's most innovative assignments for the world’s most successful brands. This groundbreaking book reveals how corporations can divorce themselves from legacy business models to create a passion brand. A brand that breaks its addiction to traditional advertising. A brand that empowers its customers. A brand that dominates the competition.