Student Loan Debt Is it worth it - 1364 Words

Student Loan Debt: Is it worth it? Many high school students are beginning their senior year and have already started to stress about how they will pay for their higher education. Although many students will have scholarships and financial aid, a lot more will struggle to pay for schooling and will have to take out multiple student loans. Many people wonder if higher education is worth the debt the country and the students are in and it is, however, there are alternatives. Thinking about the cost of colleges in The United States stresses out many of students every single day. A college cost continues to rise every single year and with that comes great struggles and stress. The average cost of college tuition†¦show more content†¦According to Walia, a good way to help with student loan debt is to basically evaluate a person’s major and if they will complete their college courses with impeccable grades and be able to easily pay off their loans with their career choice. This is by far a great idea to help with this crisis. This idea will prevent the country from staying in debt because of people who took out loans knowing they will not have the means to pay them off. Walia compared this to the idea of having to get approved for a mortgage. For people who have never attempted to buy a new home can compare this to buying a new car and getting a credit check. According to The New York Times student loan debt has almost tripled between 2004 and 2012 (Student Debt and the Economy). The federal government has also come up with a way to help students with their student loan debt which will ultimately help the country with its student loan debt. The Federal Income Based Repayment Program helps students with their debt by minimizing their student loan payments each month (Student Debt and the Economy). By minimizing student loan debt payments it enables people to actually begin their payments without struggling to maintain other necessities. Although minimi zing student loan debt payments will make paying off the debt take longer it will still help because at least the debt is being paid no matter how long it takes. Although there are manyShow MoreRelatedStudent Loan Debt Is Not Worth Going Into1335 Words   |  6 Pagesdecade student loan debt has risen substantially and is now one of the largest form of personal debt in America, totaling about one trillion dollars, with 71 percent of students who earn a bachelors degree graduating with debt, with the average amount of debt being $29,400. This topic has become a very important issue, with some people saying that student loans could be the next bubble and could do what the real estate bubble did to the U.S economy in 2007 and 2009. If student loans are becomingRead MoreCollege And An Arts Degree1456 Words   |  6 PagesWhile a substantial amount of students see the opportunity to make a fair living from earning a college degree, there are students who look to pursue their passions. Many instances people view college as a gateway into the middle class if they aren’t of the wealthy already. So they venture out to study as an engineer, doctor, lawyer, or ect, in hopes of making over $100,000 or as close to this as possible. However when arts students take on college the expectation to get paid high wages like thatRead MoreIs College Worth The Cost?1296 Words   |  6 PagesIntroduction: The U.S. is home to some of the greatest colleges and universities in the world. But with an overwhelming 1.3 million students graduating with an average student loan debt of $29,000 each and with youth unemployment elevated, the question of whether or not college tuition is worth the money arises (The Institute for College Access Success, 2013). Higher education faces intimidating challenges: continually rising costs, access and completion problems, constant changing of technologyRead MoreThe Importance Of College Education1138 Words   |  5 Pagescollege education is worth it. Many people think going to college is the ideal thing to do but there is also people who think college is not worth all the time and money. In 2016, the employment rate was highest for young adults with a bachelor’s degree or higher, 88 %. College prepares young adults for the real world and everything they need to know. Typically, college graduates have higher employment rates and have a better chance at benefits and better pay but also student loan is crippling as theRead MoreThe Ethics Of College Debt1299 Words   |  6 Pagesto get higher sources of education. Many high school students dream of attending college in order to attain more knowledge, yet so many people fail to realize the cost of college. Attending college, currently, is nearly impossible to do without being in some sort of financial debt or seeking out government help. According to the American Association of University Professors, â€Å"two-thirds of American college students graduate with substantial debt, averaging nearly $30,000 (if one includes charge cards)Read MoreIs College Education Worth It?1366 Words   |  6 PagesIs College Education Worth It? Have you ever wondered how much some of our nation’s top college presidents are paid? If not, then the CNN documentary Ivory Tower is a good starting point. The continual increase of college tuition and student loans has made headlines in the news recently, mostly because of the alarming amount of student debt in the United States. According to the College Board, in 2010, students graduated from college owing an average of $25,250 in student loans; the highest amountRead MoreIs College Education Worth It?1460 Words   |  6 PagesCollege Education Worth It? Have you ever wondered how much some of our nation’s top college presidents earn as compensations? If not, then the CNN documentary Ivory Tower is a good starting point. The continual increase of college tuition and student loans has made headlines in the news recently, mostly because of the alarming amount of student debt in the United States. According to the College Board, in 2010, students graduated from college owing an average of $25,250 in student loans; the highestRead MoreStudent Loan Crisis1592 Words   |  7 PagesStudent Loan Crisis Beginning in the 1960’s the distribution of federal and non-profit funds have given students all over the United States the opportunity to pursue post-secondary educations. Although this method has given students the ability to go to college financially, the majority of the students are not able to pay the money back when finished causing debt. Currently students in the United States owe more than $1 trillion dollars worth of federal and private student loans. Surprisingly thisRead MoreThe Suicide Among Student Debtors1333 Words   |  6 Pagesgraduated from the university with a $100,000 student loan debt and he struggled to find a job in his field. In 2007, his mother and his professor found his body in one of the labs on the campus, and the police declared that he had committed suicide. The media reported the incident and it was posted on many sites. While many expressed sympathy with Jason and blamed the student lending system, others blamed Jason and said that it was hi s responsibility to pay his debt. C. Cryn Johannsen, Founder and DirectorRead MoreCollege Tuition Or Student Loans1371 Words   |  6 Pages42% of undergraduates paid for college out of pocket (Sallie Mae). The result of this is that students seeking higher education are forced to take out loans. On average, college students borrows $25,000 to earn their degrees (Alexandria). I just don t get the concept of college tuition or student loans. It s only getting worse because tuition is rising, loan borrowing continues to grow, private loan borrowing is growing, and higher education losing its trend. I realize that I have to pay for school

A Summary Of A Christmas Carol Essay Example For Students

A Summary Of A Christmas Carol Essay A Summary of A Christmas CarolMatt Toback1). This story takes place in London, England. The time is winter and it startsthe day before Christmas, also known as Christmas Eve. The settings of the bookinclude Scrooges Counting House, Scrooges Home, Bob Cratchits home, assortedplaces throughout Scrooges childhood like the schoolhouse and the Fizziwigsplace where Scrooge was an apprentice, this is where a Christmas party tookplace and he met the one love of his life. Then it skips to Scrooges love ofhis life when she is married and they speaks about Scrooge and how he is now ina world of his money. Also it shows the exchange, homeless people under a bridge,and a cemetery. 2). The four main characters in the book are Ebenezer Scrooge, Tiny Tim, BobCratchit, and Ebenezer Scrooges nephew, Fred. First, lets examine Ebenezer Scrooge, since he is the main character of thestory, All 3 ghosts visit him. Through him, the lesson of the story is to belearned. In the book, he is made out to be Anti-Christmas and he is constantlycommented about by characters in the book, some feeling pity, others feelinghostility. External heat and cold had little influence on Scrooge. No warmth could warm,no wintry weather chill him. No wind that blew was bitterer than heNobody everstopped in the street to say, with gladsome looks, My dear Scrooge, how areyou? When will you come to see me?. No beggars implored him to bestow a trifle,no children asked him what it was oclock, no man or woman ever once in all hislife inquired the way to such and such a place, of Scrooge. (Dickens 14). Next there is Tiny Tim, he seems to be a symbol of hope in this story eventhough he has to use a crutch to walk and he is very small. Despite hisdisability, he constantly keeps the spirit up and tries to maintain it in allhis brothers, sisters, and parents, even though they are poor. He is the epitomeof the Christmas spirit, that which should inhibit all of us. He told me,coming home, that he hoped the people saw him because he was a cripple, and itmight be pleasant to them to remember, upon Christmas Day, who made lame beggarswalk and blind men see. (125). This quote just shows how thoughtful he is, andhow much he cares for others. Tiny Tims father Bob Cratchit is next on my list. He is an employee ofScrooge and he is the only one in the Cratchit family to thank him genuinely forthe job and the pay that he has given him to support his family and keep food intheir stomachs. and in came little Bob, the father, with at least three feetof comforter, exclusive on the fringe, hanging down before him, and histhreadbare clothes all darned up to look seasonable, and Tiny Tim upon hisshoulder.(121). The fathers love for his family bleed through the fact thatthey are poor and Scrooge sees this in the way they act. The last but not least major character is Scrooges nephew, Fred. He seemsto be the only individual who comes to converse with Scrooge and offer himanything. In this case, Fred offered him an invitation to his house forChristmas dinner. Fred is convinced at the beginning of the story that Scroogedoesnt really mean Bah!Humbug! (18) no matter how many times he says it. Fred is presented cheerful and in high spirits. He had so heated himself withrapid walking in the fog and frost, this nephew of Scrooges, that he was all ina glow; his face ruddy and handsome; his eyes sparkled, and his breath smokedagain. (18). As I said before, Fred is one of the few that feels pity forScrooge. 3). The book starts off talking about Jacob Marley, Scrooges formerbusiness partner. It basically says that he was dead as a door-nail (11). Thenit moves to Scrooges counting house where he converses with Fred. Then two mencome in to ask for a donation and Scrooge shoos them away quickly enough. ThenBob Cratchit come in for a days work and Scrooge is stingy about putting coal onthe fire. At this point in the book, Scrooge is not made out to be a nice,caring, giving man. When Scrooge goes home, he is confronted by the ghost ofMarley who tells him that he will be haunted by three spirits over the course ofthe next three days, each at One Oclock. The first spirit that comes is theGhost of Christmas Past. This spirit takes Scrooge back to his childhood wherehe sees a very lonely boy engulfed in his books without a friend. Then they skipahead in time and see when Scrooge was an apprentice to Mr. Fizziwig. Thisepisode shows the Christmas party that Old Fizziwig threw and here is where hemet the love of his life. Once again the ghost skips ahead to a time whenScrooge and the woman are speaking. She says that she has been replaced by agolden idol and there is not any room for her anymore. After this, the firstGhost leaves. The next ghost, the Ghost of Christmas Present as come to show himhow his hostility toward others affect the way people live. The majority of thetrip takes place at the Cratchits home. Here, Scrooge sees Tiny Tims hope andthe togetherness of the family. I personally think this scene is one of the mostimportant in convincing Scrooge to change. Then Scrooge is transported to hisnephew Freds house where he is having his Christmas party. He then sees thateven his nephew mocks him. Then the ghost takes him to what would be consideredthe bad part of town, under a bridge. There he sees a truly poor family, thisone without a home. Even here the family stays together and refuses to be brokenup, despite their disposition. The Ghost of Christmas Present leaves and then heenc ounters the Ghost of Christmas Yet to Come. This ghost is very mysterious,never talking. It merely points with its long, narrow fingers. The scene againis the Cratchits, this time sorrow instead of joy. Tiny Tim has died and thefamily mourns his pasing. Bob just returned from the cemetery and comments abouthow beautiful it is. Next the ghost shows how the people of the town react to amans death. No one seems to care about the loss of this wretched human being. .u8c0bd43c79dfe88a332b926439921f48 , .u8c0bd43c79dfe88a332b926439921f48 .postImageUrl , .u8c0bd43c79dfe88a332b926439921f48 .centered-text-area { min-height: 80px; position: relative; } .u8c0bd43c79dfe88a332b926439921f48 , .u8c0bd43c79dfe88a332b926439921f48:hover , .u8c0bd43c79dfe88a332b926439921f48:visited , .u8c0bd43c79dfe88a332b926439921f48:active { border:0!important; } .u8c0bd43c79dfe88a332b926439921f48 .clearfix:after { content: ""; display: table; clear: both; } .u8c0bd43c79dfe88a332b926439921f48 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u8c0bd43c79dfe88a332b926439921f48:active , .u8c0bd43c79dfe88a332b926439921f48:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u8c0bd43c79dfe88a332b926439921f48 .centered-text-area { width: 100%; position: relative ; } .u8c0bd43c79dfe88a332b926439921f48 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u8c0bd43c79dfe88a332b926439921f48 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u8c0bd43c79dfe88a332b926439921f48 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u8c0bd43c79dfe88a332b926439921f48:hover .ctaButton { background-color: #34495E!important; } .u8c0bd43c79dfe88a332b926439921f48 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u8c0bd43c79dfe88a332b926439921f48 .u8c0bd43c79dfe88a332b926439921f48-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u8c0bd43c79dfe88a332b926439921f48:after { content: ""; display: block; clear: both; } READ: None Provided21 Essay SummaryEven some people steal his belongings out from under his dead body in his ownbed. Scrooge does not realize they are all talking about him until the ghosttakes him to the cemetery when Scrooge sees his own gravestone. From this pointon Scrooge begs the ghost to let him change his lifestyle and try to change itfor the better. When Scrooge wakes up he realizes that it is Christmas Day. Hestarts his new life of good will by buying a prize goose for the Cratchits. Thenhe makes a donation to the men that he shooed away the day before and he jo inshis nephew Fred for his Christmas dinner and Tiny Tim lives!4). The first ghost, The Ghost of Christmas P ast- This apparition comes toScrooge to show him where his pain is coming from and when he turned his lifetoward the direction of money. The spirit was like a child; yet not so like achild as like an old man , viewed through some supernatural medium, which gavehim the appearance of having receded from the view, and being diminished to achilds proportion. Its hairwas white, as if with age; and yet the face hadnot wrinkledIt wore a tunic of purest white; and round its waist was bound alustrous belt, the sheen of which was beautiful. (63). The second ghost, TheGhost of Christmas Present- This ghost shows how Scrooges lifestyle hasaffected the people who he has contact with. Every man and woman that knows himor knows of him have a set idea of him. A mean, old, stickler. The spirit was clothed in one simple, deep-green robe, or mantle, bordered with whitefur.(107). He had a holly wreath, a scabbard without a sword, and dark-browncurls. The third ghost, The Ghost of Christmas Yet to Come- This third ghost wasvery mysterious, Scrooge made most of the conclusions during this time himself,although very self-explanatory. I personally think that this apparition carriedthe most weight in changing Scrooge. It made him greatly sorry for his sinfulbehavior of his past and vowed to change his life. Not much was said about thespirit except that it was dressed darkly and did not speak, only pointed. 5). The message that Dickens is trying to get across is one of happiness. If youlive your life in seclusion, only speaking to those who you must and alwaysbeing nasty, you can never be truly happy. Dickens uses Scrooge as the epitomeof selfishness and we are suppose to realize this and contrast it with TinyTims attitude of caring and sharing. He is the epitome of joy and hope. He isthe person in the book with who we are suppose to learn from. The ghost are theconduit from which we are to understand the past, present, and future of anunhappy man. 6.) Life in the 1800s was one of simplicity, everyone seemed to know eachother in their area. People lived and worked in their neighborhood, whichbrought a greater sense of community and family values. Some Christmas customswere hanging candles from a tree instead of ornaments. Holidays always seemed tobe a gathering of people to celebrate the occasion. The dress in the time periodseemed to be top hats, slacks, vest, and a coat. From the movie that we watched,the style seemed very formal. When speaking to another person, it was speakingin proper English, never a Yo or a Whaz up. This is because of the timeperiod and the slang we use now had developed with our generation. Although verydifferent, it is very ,much alike. A Christmas Carol was a very good book and alesson to be learned by all, and in the words of Tiny Tim, God Bless Us, everyone (130) !