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Student debt : a reference handbook / William Elliott III and Melinda K. Lewis

Author
Elliott, William, III
Published
Santa Barbara, California : ABC-CLIO, An Imprint of ABC-CLIO, LLC, [2017]
Copyright Date
©2017
Physical Description
1 online resource (xx, 303 pages).
Additional Creators
Lewis, Melinda K.
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Contents
Part 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., Part 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?, Part 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., Part 4 Profiles: Researchers -- Journalists -- Research and policy organizations -- Organizations providing resources and relief for borrowers -- Student groups and movements -- Media organizations., Part 5: Figure 5.1 Student Debt by Family Income -- Figure 5.2 Student Loan Debt by Race/Ethnicity and Class -- Figure 5.3 Average Debt for Bachelor's Degree Recipients -- Figure 5.4 Use of Student Loans and Cumulative Debt, by Institution Type -- Figure 5.5 Average Debt for Associate's Degree Recipients, over Time -- Figure 5.6 Trends in Education Finance: Appropriations for Postsecondary Education and Net Tuition -- Figure 5.7 Twenty-Year Trend in Student Loan Utilization -- Table 5.1 Student Debt in Selected Countries -- Figure 5.8 State Spending on Higher Education, per Full-Time Equivalent Student, in Constant 2010 Dollars -- Figure 5.9 Average Estimated Full-Time Undergraduate Budgets, 2015--2016 -- Figure 5.10 Total Student Loan Debt, in Millions of (2014) Dollars -- College Opportunity for a Better AmericaAct (March 18, 2003) -- Senate Hearing, "Higher Education, Higher Cost, and Higher Debt" (February 16, 2007) -- Senate Hearing, "The Looming Debt Crisis" (March 20, 2012) -- Student Loan Affordability Act (April 11, 2013) -- President Obama's Remarks on Signing the Bipartisan Student Loan Certainty Act of 2013 (August 9, 2013) -- Memorandum on Helping Struggling Federal Student Loan Borrowers Manage Their Debt (June 9, 2014) -- President Obama's Remarks at a Question and-Answer Session on Student Loan Debt and College Affordability with Tumblr Participants (June 10, 2014) -- Student Loan Servicing ReformFundamentals (2016) -- Senator Elizabeth Warren's Questions Following Inspector General Report Detailing Faulty and Inaccurate Review of Servicemembers Civil Relief Act Compliance by Student Loan Servicers (March 3, 2016)., and Resources -- Chronology -- Glossary -- Index.
Summary
Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed? The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explains what is contributing to the rising rate of borrowers defaulting on their loans; and predicts whether the so-called student loan bubble is in danger of popping. The Data and Documents chapter analyzes data gathered from discussions about student debt. This information enables readers to better understand who is borrowing student loans, what the money from the student loans is going toward, what individuals have the authority to decide who qualifies for these loans, and what is being done to curb wasteful student spending.
Subject(s)
Genre(s)
ISBN
9781440844881 (electronic bk.)
1440844887 (electronic bk.)
Bibliography Note
Includes bibliographical references and index.
View MARC record | catkey: 22091921