Student Debt Is A Significant Social Problem Essay

Examining Student Debt When we think about college and a college education, it seems as though our first initial thought is the student loans and debt that can result in achieving a college degree. Looking back, student debt has risen drastically and has made it extremely stressful for students and families. Many people go through their entire life in debt, especially from being a student. Student debt has always existed; however, now, it is so extreme, almost all students who attend college find themselves deep in debt, and must continue paying off their debt many years after they graduate. For the past two decades, student debt has risen, illustrating how big this social problem has become. The reason student debt is a significant social problem is because of how much it can effect a person’s life, and their families lives, that can carry over to their future. Although there were many things that led up to and impacted the drastic student debt that is now being faced by many students around the w orld, the corporation Sallie Mae, was the essential factor in why student debt has skyrocketed to unreasonable proportions. Sallie Mae provided the first type of corporation that changed its focus from helping students, to helping themselves. The history and scope of the student debt can help us understand that the corporation, Sallie Mae, was the main cause of this problem. It is no secret that today, a college degree is essential for a majority of careers compared to how itShow MoreRelatedThe Problem Of Rising Student Loan Debt1495 Words   |  6 PagesAs a mother of four, a large number of the social problems described in the text can and does directly relate to myself, as well as, my family especially regarding the matter of education. However, the problem directly affecting my family and I is the emerging social problem of rising student loan debt. Student loan debt is a problem that has begun to seep into the very mainstream of society as more and more individuals attend college, especially those with great financial needs. Personally, I amRead MoreThe Cost Of Health Care Services Essay1498 Words   |  6 Pagesfinancial shocks, such as an unexpected health condition and the corresponding impact to savings or the accumulation of debt. Debt associated with a home or car loan is viewed as a necessity while credit card debt is frequently viewed as excessive spending; but in reality, those in severe credit card debt are often those who have experienced a recent job loss and/or health problems (Drentea Lavrakas, 2000). As people age, their health care needs begin to change. An increase in the consumption ofRead MoreStudent Debt At The Usa1246 Words   |  5 Pagesdegree that can be earned amounts to $75,772 - those who choose to pursue more reasonably priced schooling nevertheless find themselves burdened with extreme debt (â€Å"Study in the USA,† 2015). To illustrate, student debt in the USA is presently at a record high, as nearly 40 million Americans currently owe loans that hover around $35,000 (â€Å"Student Debt Protests,† 2016). To further exacerbate the situation, these 40 million Americans are not just expected to start paying back the original $35,000 once theyRead More Conniving Campus Credit Essay1677 Words   |  7 Pagescauses students to be burdened with needless and unscrupulous debt. In his es say, â€Å"The Lure of Easy Credit Leaves Students Struggling with Debt,† Hoover effectively argues his position through significant references and by successfully rebutting the opposition. Hoover explains how college students are not prepared to deal with the financial responsibilities associated with managing credit cards and why credit debt companies specifically target college students. Hoover also discusses the problems of newRead MoreHow The Rising Student Loan Debt1318 Words   |  6 PagesHow to Control The Rising Student Loan Debt The American Dream teaches us that if we work hard, earn a good living, and do our best that we will be able to live comfortably and happily with the fruits of our labors. In today’s society to achieve the American dream, one must first obtain a higher education. In order to do that though many students are taking out student loans and putting themselves further in debt. Having an education has now become highly sought after, yet increasingly harderRead MoreThe Fiscal Policy and its Impact on the GDP Essay1109 Words   |  5 PagesDomestic Product (GDP). Tax Payers Debt, deficits, and surpluses related to the government budget have a direct impact on tax payers in the U.S. Payment for the national debt comes from revenue received by the government through the taxes it collects. If the amount of tax is not sufficient to cover the liability, the result is a deficit. The government will determine the best method to offset this deficit, such as raising tax rates. The rising government debt can also lead to the reduction ofRead MoreWhy Are Millennials And Possibly Future Generations Not Saving Enough For Retirement?1740 Words   |  7 PagesRetirement Institute and The Center for Generational Kinetics (2015) showed only 29% of Millennials describe themselves as actively preparing for retirement (Insured Retirement Institute and The Center for Generational Kinetics, 2015). It poses as a problem when it comes to retirement planning because many Millennials will not be prepared for their retirement. This further raises the question, â€Å"Why are Millennials and possibly future generations not saving enough for retirement?† To answer this questionRead MoreShould State Tuition Be Regulated?1670 Words   |  7 PagesThis authority was exercised liberally and the resulting tuition cost burdens have been passed onto Texan families3. When regulation over tuition was under the authority of the legislature, elected officials were mindful of the concerns of their student constituents and acted on their behalf to alleviate the burdens of higher education. However, the members of the Board of Regents are not elected by the public and are thus largely indifferent to their wishes; they act solely on the interests of theRead MoreStudent Debt Is A Form Of Debt1576 Words   |  7 PagesStudent debt is a form of debt that owed by an attending, withdrawn, or graduated student to a lending institution. The lending is often of a student loan, but debts will be owed to the school if the student has dropped classes and withdrawn from th e school. Withdrawing from a school, especially if a low or no-income student has withdrawn with a failing grade could deprive the student of the ability of further attendance by disqualifying the student of necessary financial aid. Student loans alsoRead MoreTo What Extent Should Government Subsidize Higher Education?1554 Words   |  7 Pagesyears. With the development of social recognition, at present, not only boys, but girls are expected to have a higher education degree. The reason for that is people assume higher education level as a better entry for higher income, social status and more probability of being successful. However, there are more and more students stranded in the mud that they cannot repay their debt for entering into college. Many students have appealed to government for relieving their debt of tuition. The overall society

The Hunters Phantom Chapter 10 Free Essays

Elder blossoms can be used for exorcism, protection, or prosperity, Bonnie read, lying flopped down on her bed, chin propped on her hands. Mix with comfrey and coltsfoot and bind in red silk during a waxing moon to make a charm bag for attracting wealth. Distill in a bath with lavender, feverfew, and motherwort for personal protection. We will write a custom essay sample on The Hunters: Phantom Chapter 10 or any similar topic only for you Order Now Burn with hyssop, white sage, and devil’s shoestring to create a smoke that can be used in exorcising bad spirits. Devil’s shoestring? Was that real y an herb? Unlike most of the others, it didn’t sound like something she’d find in her mother’s garden. She sighed noisily and skipped ahead a little. The best herbs for aiding meditation are agrimony, chamomile, damiana, eyebright, and ginseng. They may be tossed together and burned to create smoke or, when picked at dawn, dried and sprinkled around the subject in a circle. Bonnie eyed the thick book baleful y. Pages and pages and pages of herbs and what their properties were in different circumstances, and when to gather them, and how to use them. Al written as dryly and dul y as her high school geometry textbook. She had always hated studying. The best thing about the summer between high school and col ege was that no one could expect her to spend any time tucked up with a heavy book, trying to memorize excessively boring facts. Yet here she was, doing just that, and she’d total y brought it on herself. But when she had asked Mrs. Flowers to teach her magic, she had expected something, wel , cooler than being handed a heavy book on herbs. Secretly, she had been hoping for one-on-one sessions that involved casting spel s, or flying, or summoning fantastical servants to do her bidding. Less reading quietly to herself, anyway. Shouldn’t there be some way that magical knowledge could just implant itself in her brain? Like, wel , magical y? She flipped forward a few more pages. Ooh, this looked a bit more interesting. An amulet filled with cinnamon, cowslip, and dandelion leaves will help in attracting love and fulfilling secret desires. Gather the herbs in a gentle rain and, after drying, bind them with red velvet and gold thread. Bonnie giggled and kicked her feet against the mattress, thinking that she could probably come up with some secret desires to fulfil . Did she need to pick the cinnamon, or would it be okay to just get it out of the spice cupboard? She turned a few more pages. Herbs for clarity of sight, herbs for cleansing, herbs that had to be gathered under the ful moon or on a sunny day in June. She sighed once more and closed the book. It was past midnight. She listened, but the house was quiet. Her parents were sleeping. Now that her sister Mary, who’d been the last of Bonnie’s three older sisters to leave home, had moved in with her boyfriend, Bonnie missed having her right down the hal . But there were also advantages to not having her nosy, bossy big sister so close. She climbed out of bed as quietly and cautiously as she could. Her parents weren’t as sharp-eared as Mary, but they would come and check on her if they heard her getting up in the middle of the night. Careful y, Bonnie pried up a floorboard under her bed. She had used it as her hiding place ever since she was a little girl. At first she had kept a dol she’d borrowed from Mary without permission; a secret candy stash bought with her al owance; her favorite red silk ribbon. Later, she’d hidden notes from her first boyfriend, or tests she’d failed. Nothing as sinister as what was hidden there now, though. She lifted out another book just as thick as the volume on herbs Mrs. Flowers had lent her. But this one was olderlooking, with a dark leather cover wrinkled and softened by time. This book was from Mrs. Flowers’s library, too, but Mrs. Flowers hadn’t given it to her. Bonnie had snuck it off the shelf while Mrs. Flowers’s back was turned, sliding it into her backpack and projecting her most innocent face when Mrs. Flowers’s sharp eyes lingered on her afterward. Bonnie felt a bit guilty tricking Mrs. Flowers like that, especial y after the old woman agreed to mentor her. But, honestly, no one else would have had to sneak the book out in the first place. Any reason Meredith or Elena gave for wanting it would have immediately been accepted by everybody as right and true. They wouldn’t even have to give a reason, just say that they needed the book. It was only Bonnie who would be sighed at and patted on the head – sweet, silly Bonnie – and stopped from doing what she wanted. Bonnie stubbornly set her chin and traced the letters on the book’s cover. Traversing the Boundaries Between the Quick and the Dead, they read. Her heart was pounding as she opened the book to the page she’d marked earlier. But her hands were quite steady as she removed four candles, two white and two black, from beneath the floorboard. She struck a match, lit one of the black candles, and tilted it to drip wax on the floor beside her bed. When there was a little pool of melted wax, Bonnie pressed the bottom of the candle into it, so that it stood upright on the floor. â€Å"Fire in the North, protect me,† she intoned. She reached for a white candle. Plugged into its charger on the bedside table, her phone rang. Bonnie dropped the candle and swore. Leaning over, she picked up the phone to see who was cal ing. Elena. Of course. Elena never realized how late it was when she wanted to talk to somebody. Bonnie was tempted to press â€Å"ignore,† but thought better of it. Maybe this was a sign that she shouldn’t perform the ritual after al , at least not tonight. Maybe she should do some more research first to make sure she was doing it right. Bonnie blew out the black candle and pushed the button to answer her phone. â€Å"Hey, Elena,† she said, hoping her friend didn’t sense her irritation as she placed the book gently back under the floorboard. â€Å"What’s up?† The ash was unbearably heavy. He strained against it, pushing at the blanket of gray holding him down. He clawed frantical y, a panicked part of him wondering whether he was even going upward at al , whether he might not instead be digging himself farther under the surface. One of his hands was clutched tightly around something – something fine and fibrous, like thin petals. He didn’t know what it was, but he knew he shouldn’t let go of it, and despite the fact that it hampered his struggle, he did not question this need to hold on. It seemed as if he were clawing at the thick ash forever, but final y his other hand broke through the crumbling layers and relief flooded his body. He’d been going the right way; he wasn’t going to be buried forever. He reached out blindly, searching for something he could use to lever himself out. Ash and mud slid under his fingers, giving him nothing firm, and he floundered until he found what felt like a piece of wood in his grasp. The edges of the wood bit into his fingers as he clung to it as though it were a lifeline in a stormy ocean. He gradual y maneuvered his way up, slipping and sliding in the slick mud. With one last great effort, he wrenched his body out of the ash and mud, which gave a thick sucking noise as his shoulders emerged. He climbed to his knees, his muscles screaming in agony, then to his feet. He shuddered and shook, nauseated but euphoric, and wrapped his arms around his torso. But he couldn’t see anything. He panicked until he realized something was holding his eyes shut. He scrubbed at his face until he detached sticky clumps of ashy mud from his eyelashes. After a moment, he was final y able to open his eyes. A desolate wasteland surrounded him. Blackened mud, puddles of water choked with ash. â€Å"Something terrible happened here,† he said hoarsely, the sound startling him. It was so profoundly quiet. It was freezing, and he realized he was naked, covered with only the same muddy ash that was everywhere. He hunched over and then, cursing himself for his momentary weakness, painful y straightened himself up. He had to†¦ He†¦ He couldn’t remember. A drop of liquid ran down his face, and he wondered vaguely whether he was crying. Or was it the thick, shimmering fluid that was everywhere here, mixing with the ash and mud? Who was he? He didn’t know that, either, and that blankness triggered a trembling in him that was quite separate from the shivering caused by the cold. His hand was stil clenched protectively around the unknown object, and he raised his fist and stared at it. After a moment, he slowly uncurled his fingers. Black fibers. Then a drop of the opalescent fluid ran across his palm, over the middle of the fibers. Where it touched, they transformed. It was hair. Silky blond and copper hair. Quite beautiful. He closed his fist again and held them against his chest, a new determination building inside him. He had to go. Through the haze, a clear picture of his destination sprang into his mind. He shuffled forward through the ash and mud, toward the castlelike gatehouse with high spires and heavy black doors that he somehow knew would be there. How to cite The Hunters: Phantom Chapter 10, Essay examples

The Great Gatsby6 Argumentative Essay Example For Students

The Great Gatsby6 Argumentative Essay Throughout the course of any literary work many of the characters go though some sort of a change. These changes maybe life lessons which are necessary to obtain in life. These lessons include undergoing a development of responsibility or morality. In The Great Gatsby by F. Scott Fitzgerald, Nick Carraway is a character that develops a sense of moral responsibility throughout the novel. This novel opens in the summer of 1922 in West Egg, Long Island. The main character, Nick Carraway moves to Long Island to begin his career in the bond business. It is here where his cousin Daisy Buchanan lives with her husband Tom. Nick also meets his wealthy neighbor when Jay Gatsby invites Nick to a party. They become good friends and Nick Carraway learns about Jays mysterious past as well as the past between Jay Gatsby and Daisy Buchanan. It is Jay Gatsbys corruption of the American Dream which leads toward his inevitable downfall. Nick Carraway, Jay Gatsby, and Daisy Buchanan make up the three ma in characters of this novel. Nick Carraway is the narrator of this novel and the most important character. Nick is a tolerant person and is also not willing to judge people. His sympathy for other people in particular Jay Gatsby is shown through this quote, If personality is an ubroken series of successful gestures, then there was something gorgeous about him, some heightened sensitivity to the promises of life, as if he were related to one of those intricate machines that register earthquakes ten thousand miles away(6). Jay Gatsby is wealthy and has everything except his golden girl. He will do anything to fulfill his American dream by winning the heart of Daisy Buchanan. However, it is his controversial career and his controversial past which is described as, I found out what your drug stores were. He turned to us and spoke rapidly. He and this Wolfshiem bought up a lot of side-street drug stores here and in Chicago and sold grain alcohol over the counter. Thats one of his little stunts. I picked him for a bootlegger the first time I saw him and I wasnt far wrong.(141). Daisy Buchanan is the wife of Tom Buchanan and is having an affair with Jay Gatsby. In this novel she is the golden girl that every mans desires. However, Daisy as well as her husband were careless and cold hearted people, They were careless people, Tom and Daisy-they smashed up things and creatures and then retreated back into their money or their vast clearness or whatever it was that kept them together, and let other people clean up the mess they had made(188). What makes a novel unique is its style of writing F. Scott Fitzgerald accomplishes this by the use of voice, tone, and time. Nick Carraway is the narrator of this novel and includes himself in the plot. Nick confines the reader only to what he can experience and hear. Also, Nick Carraway produces many moral judgments of the other characters, which he relays to the reader. This allows opinions to be made by a person in the action. Eq ually important to they style of writing, the author uses tone. In order for the mood to be set the author uses images with color, sound, and detail. Nick describes the atmosphere of one of Gatsbys parties as, The moon had risen higher, and floating in the Sound was a triangle of silver scales, trembling a little to the stiff, tinny drip of the banjoes on the lawn.(51). Furthermore the time span in which the story unfolds adds to they style of writing. Nicks story develops chronologically in the novels present from early summer to October. On the contrary, the reader needs information to understand Gatsbys past, which appears in flashbacks. This allows for the integration of Gatsby and the development of the plot. Consequently the use of voice, tone, and time enhances the overall theme and impression of the piece. One of the many themes the author represents throughout the course of the literary work is the corruption of the American dream. Jay Gatsby is a man who believes that he c an fulfill his romantic desires with his wealth. Referring to the title The Great Gatsby, Jay is neither great nor is his real name Gatsby. He is a crook and a bootlegger, who involves himself with the man who fixes the 1919 World Series. Besides Jay, Daisy and Tom are characters who represent the corruption of the American dream. They are both indirectly the cause of Gatsbys death. Morality is a life lesson, which should be obtained in a persons lifetime. Without these morals a person cannot succeed in life. This is shown through the character Jay Gatsby. However, Nick Carraway does obtain this life lesson and he benefits from it. 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The BP Oil Spill essays

The BP Oil Spill essays The oil spill which rapidly swept the nation with damaging effects for several months was an enormous controversial issue which appeared in media sources from coast to coast. In late April when the catastrophe occurred, the world was not at all ready for what was soon to come. Initially to stop the steady flow of oil from seeping into the Gulf lead to an excess of serious problems; specifically, in the areas which surrounded the site of the incident. Until the recent tragedy British Petroleum, better known as BP, presented themselves as a good corporation; however, due to the devastating events the once good corporation took a huge hit. Chief Executive Officer, Tony Hayward primarily, was directed in the line of fire throughout the whole ordeal. Speculations of Hayward being entirely at fault were in fact made, but can the entire blame of such an unanticipated accident be single-handedly placed on one man? It was thought by many that after suffering such a misfortune, BP would likel y go bankrupt due to tremendous loss of funds. An article by Charlie Savage which appeared in the New York Times discussed in detail the block on the drilling ban issued by Federal Judge Martin Feldman. Shortly after the massive spill began, six month immobilization of all offshore drilling in depths greater than five hundred feet was issued. Fortunately, the drilling ban immediately brought thirty-three offshore exploratory endeavors to a standstill and suspended numerous new permits; however, it did not affect already operating rigs. President Obama stated, Continuing to drill at these depths without knowing what happened does not make sense, and could potentially jeopardize the safety of those on the rigs and the safety of the environment in the Gulf (Savage). In his quote, President Obama clearly stated his opinion on the matter and acknowledge the fact that continuing to drill would undoubtedly pose some degree of danger. ...

Halfway and Other Ways

Halfway and Other Ways Halfway and Other Ways Halfway and Other Ways By Mark Nichol The noun way constitutes the second half of many compound words. Almost all of them, like halfway, are closed, but a couple retain a hyphen or are open. Way, from the Old English term weg (the German cognate retains that spelling), means â€Å"path† or â€Å"course of travel,† and by extension it refers to a course or habit of life, as well as the manner in which something occurs. (The adverbial form- as in â€Å"way back† in the sense of â€Å"a long time ago† rather than â€Å"the return path†- is an alteration of away.) Some -way compounds allude to various types of courses for vehicles: byway, cartway, causeway, driveway, expressway, freeway, motorway, parkway, and speedway; each course has a distinct function. (The humorous question about why cars drive on parkways and park on driveways is easily answered: The park in parkway refers to an area kept in or near a native state, not the action of parking; the verb park, by the way, apparently derives from the onetime practice of storing a military vehicle or other equipment in an area called a military park. And the typical truncated parking space in front of a house’s garage is a far cry from the original driveway, an extended approach along which one would drive to reach a house located on a country estate.) Ways intended generally for foot traffic include alleyways, archways, breezeways, doorways, entryways, gangways, gateways, hallways, hatchways, passageways, pathways, stairways, and walkways. (â€Å"Gangway!† became a shouted warning to clear the passage to the gangway, an opening in the deck rail to allow crew or passengers to embark or debark, and gateway is also used in promotional literature to refer to a city or town that is the jumping-off point for a scenic or recreation destination or alludes to something that serves as an introduction to the use of something else, such as a gateway drug.) Broadway was once a generic term for a wide avenue that passed between parallel lines of buildings; it was traditionally often employed as a proper name referring to such a thoroughfare in a particular city or town. A flyway is a migration route for birds, and a spillway is a watercourse from one body of water to another, as from a reservoir to a river. Headway can mean â€Å"forward movement† or â€Å"height clearance.† Leeway originally was a navigational term; it now means â€Å"freedom to do something a certain way.† Lifeway is a rarely used variation on â€Å"way of life.† Anyway is an adverb meaning â€Å"in any case.† â€Å"Under way† is the only open compound that includes way; it’s an adverb meaning â€Å"happening now† or â€Å"in motion.† (In adjectival form, it is a closed compound.) One-way, an adjective meaning â€Å"going in one direction,† is the only hyphenated form of a compound that includes way. Of several adverbs ending in the plural form -ways, only sideways (which also serves as an adjective and has the less common variation sideway) is common; others include lengthways, longways, and slantways. A small group of compounds begin with way: the nouns wayside (meaning â€Å"the side of the road† or â€Å"off to one side†), wayfarer (meaning â€Å"traveler†), and wayfaring (meaning â€Å"the act of traveling†)- the first and last are also adjectives- the adjectives way-out (meaning â€Å"far off† or, as slang, â€Å"bold†) and wayward (meaning â€Å"straying†), and the verb waylay (meaning â€Å"ambush†). Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Vocabulary category, check our popular posts, or choose a related post below:30 Synonyms for â€Å"Meeting†10 Types of Transitions30 Words Invented by Shakespeare

Discussion 8 Essay Example | Topics and Well Written Essays - 250 words - 3

Discussion 8 - Essay Example higher education tax credit of up to $2500, $25 increase in weekly unemployment benefit and $7 billion worth of broadband deployments in the rural areas (Bureau of Economic Analysis report, 2009). Demand refers to how much buyers are willing and able to buy whereas supply refers to how much producers are willing and able to deliver to the market. Buyers use their disposable income for investment and consumption. Disposable income is the amount that is left after income is taxed. The tax credit provided for by the stimulus package reduces the taxable income leading to a higher disposable income. Due to the increased disposable income, buyers increase their aggregate demand for goods and services and investments such as homes, cars, technology, good health and education. To meet the increased demand, producers increase production of the goods in question, hence increased aggregate supply. Consequently, the market equilibrium is met. For the ten years there will be observed increase in aggregate demand and supply reaching higher equilibrium points which translates to economic

Examine the importance of avoiding plagiarism Essay

Examine the importance of avoiding plagiarism - Essay Example There are many universities that have proper academic guidelines regarding rules of properly citing the sources taken from various journals, books, or websites. Higher educational studies are a very critical stage for the students and this phase is the starting point for building the career for individuals. They need to pass this phase with good grades for attaining future achievements. Due to being in such a critical stage of studies, there are many cases of plagiarism detected amongst students of higher educational studies. This paper discusses the importance of avoiding plagiarism by all individuals in the academic learning environment. The world we are residing in is the information age where the amount of information available for the general community is there in abundance and also is free of charge. It is extremely easy to plagiarise the work of others due to easy availability and accessibility of the work. There are many research papers available online for users and students who want to copy the work do it from these online sources and other research databases as well. Nonetheless, it is extremely important to avoid plagiarising the work of what other authors have done. By plagiarising, the individual is violating the legal laws of the research work or paper and also the individual is considered to be involved in unethical practices. It is highly unethical act to regard someone else’s work as one’s own. By not acknowledging the person via the right reference techniques, the individual is taking the credit of the work. Some students take the aspect of acknowledging sources is to copy paste the work of the author and then write the name of the author in brackets. This again is not the right of acknowledging anyone’s work and would be regarded as plagiarised work. There have been many research studies conducted that