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Student debt introduction
Transition between high school and college
Transition between high school and college
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As high school draws to an end for many students this year, the question of what college they will be attending has undoubtedly arisen. As a highschool student, the thought of a colleague not attending college seems taboo. In today’s society, we are all convinced that a bright future stems from four years at a major university. However, college graduates in recent years have been facing record levels of unemployment, leading some to wonder if a college education is truly worth the cost. Despite these concerns, college does not simply train students for a specific job or career, it increases students’ abilities to think at higher levels and creates well rounded individuals who will be prepared to tackle whatever their future may present. For most students, college is a sound investment and will help them in their future. …show more content…
Some students graduate from college with significant amounts of debt that may make it harder to pay other bills and expenses. Despite the amount of debt students may amass, 86% of college graduates reported that their college education was a good investment (Source F). Even though attending college may be a tax on finances, many graduates agree that it was worth the cost. Scholarships abound for high school students in order to lessen the financial burden that college can present. The New York Times recently found that after financial aid the average tuition at public colleges was only about $2,000 (Source D). With an abundance of scholarships available, students are bound to qualify for some of them that will lessen the cost of a college education. With more help than ever from scholarships and student aid programs, college is more affordable than it’s ever been. Even though some students leave college with debt to pay, most students agree that college was worth the
While some say that college is a good investment due to its tendency to grow a student's character and intellectual ability, the downsides to college sorely outweigh the potential benefits that it has. While college does grow a student in multiple ways, “57% say that the higher education system in the United States fails to provide students with good value for the money they and their families spend.”(Doc F). This majority opinion demonstrates that the growth you can achieve in college is sorely outweighed by its economic cost, and not worth doing.
First, attending college effects financial awareness. College needs to reduce the cost of their tuition to help students that are struggling financially. The benefit of lowering college tuition fees including the fact that higher education is often a standard job requirement in many fields, but also that lower tuition costs increases the accessibility of education, which in turn creates social mobility that is often beneficial to the economy. Freeman Hrabowski, President of the University of Maryland, Baltimore County read an article by New York Times called “College is for Suckers.” He mentions that the article “echoes an increasingly common refrain that college is too expensive, that students are taking unmanageable debt.” (Hrabowski 259). even though Freeman states that there are college prep
As the economy evolves and the job market continues to get more competitive, it’s becoming harder to have a successful career without some kind of college degree. This creates a belief in many young students that college actually is a commodity, something they must have in order to have a good life. There’s many different factors that influence this mindset, high schools must push the importance of the student’s willingness and drive to further their education. College isn’t just a gateway to jobs, but it is an opportunity to increase knowledge and stretch and challenge the student which in return makes them a more rounded adult and provides them with skills they might lack prior to
Since I grew up in a household with two parents who are college graduates, and even two grandparents who had graduated from college, the idea of attending college was never seen as a unique opportunity, but rather as a necessary part of my future. I’m not going to complain about growing up with parents who valued the pursuit of knowledge, but it certainly never exposed me to the mindset that maybe college is not the best option for everyone after high school. Today, there is a huge debate over if the price of college is really worth it in the end, with the high cost of tuition and the number of people who just aren’t prepared for the demands that college has to offer. And on the other side, some say that college is a necessity not just in one’s
The debt associated with higher education is one of the biggest factors of deterrence for most people who are interested in college, and it is not at all surprising. 71 % of college seniors who graduated last year had student loan debt, and the average debt for a college student with a four-year degree is $29,400.This number has gone up an average of 6 % each year. Keep in mind that this is just the average debt, and there are students who are in debt upwards of $30,000 dollars (projectonstudentdebt.org). Now in order to understand why the debt is so high it is best to break down the different costs of higher education. The first and most important of which is tuition.
Most people today accept the debt that comes from college. Students consider student loan debt as a “good debt.” They see other students make this mistake but follow their path anyway. Nearly 80% of college-bound students have not projected the total amount of money they will need to graduate college.
and tuition plays a major role in students’ decision for attending college. Students according to a 2008 national survey of roughly 1800 students who qualified to attend college 1000 students of those 1800 did not attend college at all. The main reason claimed by 80 percent of the “non-college-goers” was due to lack of money, more especially not enough grant aid. Although a student was well qualified to attend college having no financial aid made their choice to attend impossible. On the other hand, students who couldn’t receive enough grant aid sought other alternatives to go into college like getting loans. Depending on the amount of years one chooses to attend college it can rack up to an unbelievable amount. According to Edvisors, a financial aid website, “The class of 2015 graduated with $35,051 in student debt on average.” Imagine that! It’s no wonder that the students who didn’t receive enough grant aid chose not to attend college. It was because they did not want to accumulate a debt that in most cases they would have to pay throughout their lives, claiming that tuition cost is too much for
Graduating High school is a milestone for many, it’s a step into the world full of opportunities and the next step to pursuing higher education. Many students begin the process of figuring out what college they would like to attend prior to even graduating, this is something that is instilled in students all throughout their years of schooling. Most high school students know what college they want to in their junior year of high school, while others conduct extensive research. Students want to attend a school that they can call their second home, especially because some students move away from home to pursue further education. Although Mark Edmundson has noted that higher education caters to consumerist tendencies of students, he has overlooked
In today 's society, there are multitudes of pressure high school students face. One of the biggest pressures put on high school students is the decision of going to college. From the moment students enter into a secondary education, they are constantly asked questions about their future plans. Teachers and parents expect students to perform their best, while giving them no chance but to look towards college. In some cases, however, college might not be the answer. Other options exist as alternate avenues after high school, however, these are not as often expressed as the idea of a four year university. Although a college education and degree is most often more impactful than a high school diploma, there is too much pressure
As the cost of college tuition continues to rise each year, many individuals are questioning if a college education is worth the time and effort needed to obtain a college degree. In today’s society, however, a high school education or diploma is not enough to insure a chance at having a good future. For many students, the decision on whether or not he/she should pursue a higher education is a major conflict for many young adults who are graduating high school. Therefore, while some students wonder if going to college is worth the price tag, in the end, the benefits associated with earning a college degree are proven to uphold numerous opportunities for individuals in the future.
When starting college every student must make a very important decision. Whether if they want to get financial aid or to pay the money up front. Having college debt will not only ruin their credit, but he or she may also have to pay off their tuition for the rest of their life. Research says, “According to the College Board, which tracks students’ financing of higher education, undergraduate students in 2013 through 2014 borrowed in the aggregate nearly $63 billion and received $33.7 billion in Pell grants.” By this quote from “Debt, Merit, and Equity in Higher Education Access” it clearly shows the effects College Debt has on their society, but also on their educational future. Every paycheck they receive, a small portion goes toward paying
Everyone knows that going to college and getting a degree is the most effective and guaranteed route to ensure a prosperous financial future, right? College is considered by most to be the best investment you can make in life, but what happens when that investment leaves you drowning in thousands of dollars in debt right after graduation day. This is the situation that millions of college graduates are faced with in 2016. Rising college tuition perpetuates student debt and is on a sharp incline and it seems to have no ambition of ever slowing down. The effect of this catastrophe is felt by millions of families across the country who now question, “is college really worth it?”
In today 's society, many young adults pay thousands of dollars to go to college to be able to get a good job in the future. However, as society continues to move forward many young adults are leaving their campuses with expensive degrees, while also still struggling to get a job. One of the things contributing to the growing risk of going to college is how increasingly expensive it is to go to school. Things like student loan debt are a major contributor to that expense. Casey Bond stated how “The growth of student loan debt is being compared to the recent housing crisis because of the significant growth of subsidized lending,” The primary goal of college used to about gaining new knowledge and becoming a better member of society. However,
In an article written by Andrew Lehren, the author provides the bold statement that “the only thing worse than graduating with lots of debt is not going to college at all” (Lehren). In today 's society, many families lack the funds to provide a full ride for their children in terms of college. Due to this fact, many people turn to alternate solutions such as loans or diving straight into the workforce instead of attending college at all. These solutions, however, may greatly affect a person throughout the course of their life. The problem of college debt is increasing rates in regards to tuition, however, fortunately there are various solutions accessible in order to decrease or eliminate the debt that many american students face.
Those who think a college education is not worth it believe that college can become a setback in life due to the thousands of dollars that college students are spending on tuition and books. Students who attend college will not have the money to purchase a home, spend money on family, vacations, or any other costly items and bills. On the other hand, most college students end up paying for their college loans all of their life or go into debt. They will never have money to rely on since their credit cards will be racking up interest for college loans that need to be paid off. As stated by Paul Taylor in Michelle Adam’s report, the cost of a college education has been at a record level and the cost of tuition and fees has more than tripled which is causing a rise in student debt (58). With rising prices, the economy is making it more difficult for people to afford a college education.