student loan gtp
COMMENTARY Federally-subsidized Stafford student education loans are going to double their interest rates today from 3.4 % in order to six.8 percent, reports CNN. Though last-minute legislative maneuvering may save the afternoon, at least until next season, keeping federal student education loans cheap will not be the best thing for America. This may be a surprising thing to listen to from a senior high school teacher, but I am a staunch proponent of contractionary policy in terms of college. More college is not always better.First of all, there is an excessive amount of college on the market already. Many students head to college with no tools or drive to achieve success, too little good jobs await those who do graduate having a degree, and grade inflation has both overstuffed college campuses and watered along the validity of degrees. We do not need more students attending college. Rather, we should instead find good ways to determine which students should check out college and support them. Keeping federal education loans cheap only reinforces the thought that everyone should head to college and subsidizes college bloat.Secondly, cheap loans only fuel students debt crisis. Enticed by cheap loans, students may bite off over they are able to chew, figuratively speaking, and find yourself deeply with debt without a decent-paying job after graduation. How many students make use of cheap federal loans to pursue degrees at expensive private universities and colleges instead of more cost-effective state schools? How many will pursue programs of study offering little return on their investment, including Philosophy or Political Science? By refusing introducing "tough love" in to the college loan rubric we are only delaying a much-needed dose of maturity into degree and it is goals.Third, cheap student loans actually harm those they plan to help most: Poor students. A prevalence of cheap school loans suggests to low-income applicants that attending four-year universities full-time, instead of attending a residential area college for the first two years, will be the optimal choice. Ironically, tuition costs at these universities commence to rise weight loss low-income students enroll and also the schools begin building more infrastructure and offering more programs. By this time many low-income students are stuck: They have obtained hundreds and hundreds of dollars in loans and may see no light after the tunnel as degree plans get muddled and true to life throws monkey wrenches to the mix.
student loan gtp
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