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Crushed : how student debt has impaired a generation and what to do about it / by Linton, David E.,1982-author.;
"Crushed is a timely and insightful work that sheds light on the state of American universities and their graduates. It takes readers on a fascinating and reflective journey into the current student debt crisis and how it has become a major burden to American society. Beyond just describing how we got into this huge mess, Crushed also offers actionable public-policy steps to help fix this ever-growing problem.This reader-friendly guide explores the U.S. university system in depth, the incentive structures driving university decisions, and what has led to both rapid tuition inflation and skyrocketing student debt. It also explores why the U.S. university system is no longer reducing the racial wealth gap and how it is now contributing to intergenerational poverty. Crushed explains what every parent or prospective student should know before, during, or after enrolling in college, including what choices they should make to graduate on time, with a valuable degree, and with little (or no) debt. Additionally, it concludes with a detailed policy discussion and provides simple, yet powerful, ways to mitigate and eventually eliminate runaway tuition inflation and the overwhelming stock of student debt. Key Features: --Reviews the growth and development of the American university system, including its objectives, successes, and failures--Explains university endowments, why these pools of capital are so large, and how they can be used more efficiently to ensure students graduate on time with valuable degrees--Details the growth of college tuition, explains how tuition and other sources of income are used, and describes the perverse incentives that have led to unchecked tuition inflation--Provides an in-depth analysis on the value of a college degree and describes how that value has changed over time--Explains how the student loan industry grew to its current size and provides an explanation for how and why consumer protections were reduced--Describes how the current tertiary educational system harms minority students and contributes to the interracial wealth gap--Details legislative solutions to reducing debt, aligning incentives, restoring bankruptcy protections, and reducing the cost of a college education without reducing its value"--Includes bibliographical references (pages 253-283) and index.Foreword -- Introduction -- About the author -- WAV -- Part I. How did we get here? Chapter 1. A brief history of the growth of the American university system -- Chapter 2. Why is college so damn expensive? -- Chapter 3. The value of a degree: why go to college? -- Chapter 4. The university endowment: what is it and why should we care? -- Part II. Student debt. Chapter 5. The student loan industry: how debt grew and consumer protections shrank -- Chapter 6. How student loans have impaired a generation -- Chapter 7. Disparate outcomes: how postsecondary institutions harm minority communities -- Chapter 8. Policy solutions: how we fix this mess -- Chapter 9. What every parent, student, and perspective student should know.
Subjects: Student loans; College costs; College graduates;
Available copies: 1 / Total copies: 1
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The price you pay for college : an entirely new road map for the biggest financial decision your family will ever make / by Lieber, Ron,author.;
Includes bibliographical references ([341]-344) and index.Sending a teenager to a flagship state university for four years of on-campus living costs more than $100,000 in many parts of the United States. Many private colleges cost triple that. Lieber helps families navigate this journey, which has been compounded by a global pandemic and the resulting chaos in higher education. He asks the questions most parents don't know (or are afraid) to ask, and summarizes the research about what matters and what doesn't. -- adapted from jacketPart I. The price and cost of college and the systems behind it -- Part II. The unhelpful feelings you may feel -- Part III. Value: things worth paying for -- Part IV. Money-saving hacks that will tempt you -- Part V. The plans: saving, talking, touring, bargaining, and borrowing.
Subjects: College costs; College choice; Financial aid contracts; Student loans.; Scholarships.;
Available copies: 1 / Total copies: 1
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Indebted : how families make college work at any cost / by Zaloom, Caitlin,author.; Princeton University Press.;
Includes bibliographical references (pages [215]-255) and index.Introduction -- Best-laid plans -- The model family -- Enmeshed autonomy -- Race and upward mobility -- Cultivating potential -- Conclusion: A right to the future.Taking readers into the homes of middle-class families to reveal the hidden consequences of student debt and the ways that financing college has transformed family life, the author describes the profound moral conflicts for parents who take on enormous debts and gamble on an investment that might not pay off.
Subjects: Student loans; Loans, Personal; Education, Higher; Education, Higher; Middle class families;
Available copies: 1 / Total copies: 1
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Debt free degree : the step-by-step guide to getting your kid through college without student loans / by ONeal, Anthony.; Ramsey, Dave,writer of foreword.;
Introduction : Proper, prior planning -- The wrong ways to do college -- How to pay cash for college -- Middle school : It's never too early to talk college! -- Freshman year academics : Now it's on the record -- Freshman year beyond academics : The well-rounded student -- Sophomore year : College is closer than you think -- The X's and O's of the big tests -- Junior year : Welcome to the main event -- Senior year : The home stretch -- How to be successful in college."What every parent needs to know in order to pay cash for college. Most people believe that student loans are the only way to pay for college. That's why we have a $1.5 trillion student loan crisis in the US and over 40 million Americans are saddled with student loan debt. But there is another way. Debt Free Degree teaches parents how their kid can graduate from college without debt, even if they haven't saved for it. It also shows parents how to prepare their child for college, covering topics like what classes to take in high school, when to start testing, how to do college visits, and how to choose a major. Every parent wants the best for their child. Graduating from college without debt is not only possible-it positions both parents and students to win with money for life"--Includes bibliographical references (pages 201-206).
Subjects: Self-help publications.; Education, Higher; College costs; College student orientation; College students; Parent and child;
Available copies: 1 / Total copies: 1
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The Rooster Bar / by Grisham, John.;
"Mark, Todd, and Zola came to law school to change the world, to make it a better place. But now, as third-year students, these close friends realize they have been duped. They all borrowed heavily to attend a third-tier, for-profit law school so mediocre that its graduates rarely pass the bar exam, let alone get good jobs. And when they learn that their school is one of a chain owned by a shady New York hedge-fund operator who also happens to own a bank specializing in student loans, the three know they have been caught up in The Great Law School Scam. But maybe there's a way out. Maybe there's a way to escape their crushing debt, expose the bank and the scam, and make a few bucks in the process. But to do so, they would first have to quit school. And leaving law school a few short months before graduation would be completely crazy, right? Well, yes and no" --
Subjects: Legal fiction (Literature); Thrillers (Fiction); Legal stories.; Suspense fiction.; For-profit universities and colleges; Law students; Student loans; Law schools; Law schools; Legal stories.;
Available copies: 1 / Total copies: 1
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Student debt : a reference handbook / by Elliott, William,III.; Lewis, Melinda K.,author.;
Includes bibliographical references and index.pt. 1. Background and history -- 1958 : National Defense Student Loan program -- 1965 : The Higher Education Act-Loan Guarantees -- 1972 : Education amendments -- Ascendance of student loans within the financial aid system -- Sallie Mae -- 1978 : Middle-Income Student Assistance Act -- 1980s : Student loans become the dominant paradigm in financial aid -- Changing perceptions of student loans -- pt. 2. Problems, controversies, and solutions : following borrowers, protecting creditors -- defining the "problem" as one of repayment strain leads to narrowly focused "solutions" -- Tweaks around the margins rather than fundamental reconsiderations -- Information as the answer -- Putting a lid on student borrowing-is "nothing" better than student debt? -- Channeling momentum for good -- Free college? -- How about a bailout? -- pt. 3. Perspectives : Student debt : how did we get here and why should we worry? / Mark Huelsman -- Student loans and bankruptcy in the United States / Rajeev Darolia -- Advice from our side of the FAFSA / Scott and Mandy Sponholtz -- Developing a mind-set for paying off student debt / Phil Schuman -- Education : still valuable, just not equitable / Melinda Lewis -- The college conundrum-does student debt cancel out the value of higher education? / Aaron Conrad -- Profiles. Researchers -- Journalists -- Research and policy organizations -- Organizations providing resources and relief for borrowers -- Student groups and movements -- Media organizations -- Data and documents.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.
Subjects: Student loans; College costs; College graduates;
Available copies: 1 / Total copies: 1
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Generation debt : how our future was sold out for student loans, credit cards, bad jobs, no benefits, and tax cuts for rich geezers--and how to fight back / by Kamenetz, Anya,1980-;
Includes bibliographical references (p. [291]-305).An emerging spokesperson for a new generation addresses the grim state of young people today--and tells us how we can, and must, save our future. The nature of youth is to question, SO when 24-year-old Kamenetz started out as a journalist, she began asking hard questions for which no one seemed to have good answers. Why were her friends thousands of dollars in credit-card debt? Why did so many jobs for people under thirty-five involve a plastic name badge, last only for the short-term, and not include benefits? With record deficits and threats to Social Security, what kind of future was shaping up for the nation's kids? In this book, she talks to experts in economics, labor markets, the health-care industry, and education, and amasses a startling array of evidence that building a secure life is harder for young people today than it was thirty years ago.--From publisher description.
Subjects: Young adults; Young adults; College graduates;
© 2007., Riverhead Books,
Available copies: 1 / Total copies: 1
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Student debt / by Hurt, Avery Elizabeth,editor.;
Includes bibliographical references and index.The US student loan problem and how we got here / Eric Best -- A radical solution is called for / Marshall Steinbaum -- Liberal arts degrees are worth the cost / Matt Wilson -- The student loan industry betrays young Americans / Daniel Rivero -- Forgiving debt is not the ideal solution / Miranda Marquit -- Employers could help pay off student loans to attract top talent / Arlene S. Hirsch -- Should we just make college free? / Amelia Josephson -- Government subsidized college is not a good idea / Jarrett Skorup -- The lending business is stacked against student borrowers / Ellen Brown -- We should return to the idea of education as a public good / Thomas Adam -- College is worth the debt / Jana Kasperkevic -- The effects of student borrowing on the larger economy are limited / Sandra Black, Amy Filipek, Jason Furman, Laura Giulianoand Ayushi Narayan -- Free college would reawaken the concept of education as a public good / Tressie McMillan Cottom."As of 2019, Americans owed over $1.56 trillion 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" --
Subjects: College costs; Student loans; Education, Higher; Government aid to higher education;
Available copies: 1 / Total copies: 1
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College (un)bound [sound recording] : the future of higher education and what it means for students / by Selingo, Jeffrey J.; Stella, Fred.;
Performed by Fred Stella.Director, Mikael Naramore.What is the value of a college degree if it leaves you with few job prospects in a tough economy and buried in debt? College (Un)bound asks the burning question on every prospective student, parent, and new grad's mind. Student-loan debt in the United States crossed the $1 trillion mark in 2011. To say that the cost of a four-year college education is inflated on many campuses would be an understatement - and that education bubble is about to burst.
Subjects: Audiobooks.; Education, Higher; Universities and colleges; College students; Educational planning;
© p2013., Brilliance Audio,
Available copies: 1 / Total copies: 1
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Math for life : crucial ideas you didn't learn in school / by Bennett, Jeffrey O.;
Includes bibliographical references and index.(Don't be) "bad at math" -- Thinking with numbers -- Statistical thinking -- Managing your money -- Understanding taxes -- The U.S. deficit and debt -- Energy math -- The math of political polarization -- The mathematics of growth -- Epilogue: getting "good at math".How can we solve the national debt crisis? Should you or your child take on a student loan? Is it safe to talk on a cell phone while driving? Are there viable energy alternatives to fossil fuels? Could simple policy changes reduce political polarization? These questions may all seem very different, but they share two things in common. First, they are all questions with important implications for either personal success or our success as a nation. Second, they all concern topics that we can fully understand only with the aid of clear quantitative or mathematical thinking. In other words, they are topics for which we need math for life, a kind of math that looks quite different from most of the math that we learn in school, but that is just as (and often more) important. In this book the author simply and clearly explains the key ideas of quantitative reasoning and applies them to all the above questions and many more. He also uses these questions to analyze our current education system, identifying both shortfalls in the teaching of mathematics and solutions for our educational future.
Subjects: Mathematics;
© c2012., Roberts and Co.,
Available copies: 1 / Total copies: 1
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