Free essays on student loans are academic papers that discuss topics related to student loans, their advantages and disadvantages, and various strategies for handling student loan debt. These essays often explore the causes of the student loan crisis, the rising costs of higher education, and the impact of debt on borrowers and the broader economy. They may also discuss policy proposals for addressing the problem of student loan debt, such as income-based repayment plans, loan forgiveness programs, and increased government funding for higher education. Such essays can be found online and may be helpful to students seeking to learn more about student loans and their implications.
The Negative Impact of Student Debt to Our Economy
In the years of 1970 and 1971, both public and private schools of higher education began raising the price of their tuition; a trend that has continually persisted since. Due to inflation, tuition at these universities had to triple the price of tuition of fees. Today, the average private, non-profit institution's price of tuition is $31,231, while public institutions average around $9,139 per year. Neither number includes housing fees. Price of tuition has multiplied nearly 17 times since the 1970's.…...
Social IssuesStudent LoansUnemployment
Why College Students Should Not Take Out Student Loans
College Students should not apply for student loans because it causes too much debt in the future. College tuition rates keep going up and students are taking out bigger loans. Is a college degree worth incurring significant debt? Don't get that loan unless you have chosen a career that will make you very wealthy. This information is important because people forget to realize being in debt is an important thing, Besides going to college the future ahead you might have…...
College EducationEducationStudent Loans
The Problem of Paying Off Student Loans in the United States
What if the one thing that was promised to help you, to guarantee your success and to provide you with a bright future actually ended up costing you your dreams? For many, this is a college education, and this is the situation 37 million college graduates in the United States are facing. One social problem many Americans face, is paying off student loans. Crippled with huge amounts of student loans, even those who were able to secure well-paying jobs are…...
EducationStudent LoansUnemployment
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Politicians as the Causes of the Problems in Student Loans in the United States
In this essay Thomas Sowell is taking the position that student loans have many problems that are caused by politicians. Politicians make student loans easy to get for everyone because voters will vote for them and there is a belief that there is a real need for student loans. Politicians believe that we should help those struggling with the loans. One of the points made is that the average student loan for a public college after graduation is only $7,000,…...
MoneySocial IssuesStudent Loans
The Issue of Americans Defaulting on Student Loans
Americans are defaulting on student loans at a record high, while no standards for giving loans are currently enacted. Lawmakers are now speaking out against the no standards policy and exploring setting financial regulations and underwriting standards. Americans are defaulting on student loans at an all-time high, leading to talks about restricting who can borrow money for higher education. For many years there has been no underwriting standards set by the federal government in regards to its student-loan program. Currently,…...
EducationPoliticsStudent Loans
Student Loans: The Bad Decisions in Our College Lives
Student loans are one of the main causes of debt in America, and are very harmful to college students' futures. Did you know that the total estimated loan debt is more than 1 trillion dollars? Getting a student loan is a terrible choice because even after college, it follows you your personal life and makes it much harder, to the point where you will have no choice but to have multiple jobs. Also, even if you have a degree, paying…...
BusinessEducationStudent Loans
Causes of the Financial Crisis in 2008
The financial crisis of the year 2008 impacted negatively on the world economy, it was one of the most dangerous financial crises with devastating effects almost equal to those caused by the 19305’ Great Depression. The 2008 financial crisis started in the year 2007 when the hiked prices of homes in the US dropped to extremely low ends affecting the entire United States and then spreading to other parts of the world. The key factor was the attainment of a…...
BankCreditFinancial CrisisMoney
A Discussion on What Led to the 2008 Financial Crisis
The 2008 financial crisis was not caused by one single event. The collapse of the world economy was the culmination of decades of shifts in public policy and financial paradigms like a house rotting at its foundation. Had any of the events or processes leading up to it been different, it is possible that this paper would not need to be written. At its core, however, the crisis brought forth a sobering reality <- one that most people are aware…...
BankCreditFinancial CrisisMoney
An Analysis of the International Monetary Fund and Its Politics
The International Monetary Fund, established in 1944, to foster long-term economic growth and stability in an environment of weak international capitol markets. Making it originally good economics. Todays International Monetary Fund has become more of an international force and lender. President Clinton wants the IMF to devote more attention to preventing crisis rather than responding to them(Calomiris). The International Monetary Fund today is good politics rather than good economics. As a result of the 1929 market collapse the International Monetary…...
International Monetary FundMonetary PolicyPolitics
Call Center Evaluation
This sample of an academic paper on Call Center Evaluation reveals arguments and important aspects of this topic. Read this essay's introduction, body paragraphs and the conclusion below.Managers with the ability to analyze the performance and business trends from the established metrics measurements will have valuable tools to make decisions, thus creating a successful operation and a positive work environment The Frontline The frontline of a timeshare call center consists of two types of employees; inbound all-takers and outbound call-makers…...
CreditCredit CardEmploymentSales
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