Choices Affecting The Next Four Years Of My Life

After graduation, students find themselves in the daunting situation of how to pay their loans. Students accept jobs they dislike, they begin to depend on their parents, or resort to dropping out (Hart). Many student find themselves unable to continue their education so they decide either to drop out or transferred to cheaper schools, such as a community college, consequently placing themselves at a disadvantage in the careers they desire to enter. In fact, per an article written by Rachel Beckstead, “those without a college degree are twice as likely to be unemployed as those with one.” Loan debts are a steadfast threat; however, it goes beyond the present

Twenty years from now I’ll be almost thirty-eight, I assume I’ll be married with children and own my own home in new orleans, still working as an esthetician. I'd be making around fifty thousand dollars a year and my monthly expenses would be around two thousand dollars a month and five hundred dollars extra would go into my retirement fund. I would like my children to go to college, but they can make that decision for themselves.

College is supposed to be the memory of a lifetime not just an experience. College is about getting out and meeting new people from all over the world, learning how to live and do things on your own without having your parents telling you to do your homework or study for a test, but most of all college is for you to go and make your dream come true by getting a degree and making something out of your life. College may be expensive, but if you believe in your goal, then the cost shouldn’t matter.

Over the past decade, it has become evident to the students of the United States that in order to attain a well paying job they must seek a higher education. The higher education, usually a college or university, is practically required in order to succeed. To be able to attend these schools and receive a degree in a specific field it means money, and often a lot of it. For students, the need for a degree is strong, but the cost of going to college may stand in the way of a successful future. Each year the expense of college rises, resulting in the need for students to take out loans. Many students expect to immediately get a job after graduation, however, in more recent years the chances for college graduates to get a well paying job

Thesis what worries me about the future ? This question is difficult for others to answer it because their are tennagers who are getting older in life and they think about how their future is going to be. Often the answer changes as you get older. The texts that we looked at are Anthem by Ayn Rand, “Emancipation Proclamation,” by Abraham Lincoln, Prometheus from Greek Mythology, “Critical Thinking video by Leo, and a Socratic Seminar. I am a person who is stubborn and determined person.

Going back to school as a working adult was never apart of my ten year plan as a high school senior. Like most pstudents, I'd expected to finish school and live happily ever after while earning a living in my dream career. I never anticipated my career being far from a dream or deciding to pursue another degree, ten years after my initial decision to pursue an undergraduate degree. I'd never thought about the effect of student loans nor did

First, there are some students that disagree on college being worth it because of the cost of tuition that is, so high. They feel that college is far too expensive to even attend, so they just look for a job, instead because they feel that they’re wasting time and money. But, what they don’t know is, that there are other colleges out there that have much cheaper tuition to pay. According to Louis Menand, “Public Colleges are much less expensive—the average tuition is $7,605—and there are also many less selective private colleges where you can get a good education, and a lot more faculty face time, without having to spend every minute of high school sucking up to your teachers and reformatting your resume” (Live And Learn). Also, there are people that say they don’t have the money after they graduate from high school to get into college, which then, they can apply for financial

“[I] am a PhD student working a full time job that pays less than $21,000 a year. By the time I finish this degree I will have well over 80,000 in student loans, which have already began to gather interest and make weight on my credit…”("Real Life Student Debt Stories • Student Debt Crisis" Sarah March 26, 2016 Illinois).

Many students have aspirations about attending the college of their dreams, but many people lack financial support and are not able to go because of high tuition payments, such as housing, and other college expenses. U.S. Student Loans Debt Statistics for 2017 indicate that “the cost of attending college is becoming a growing burden for a huge portion of Americans.” (Student Loan Hero). Students are left with the option of dropping and leaving school. Even after receiving some financial support, such as scholarships and grants, students have limited amount of money to pay off their expenses. At the start of their college career, students apply for the colleges they would like to go to, and many forget about the financial decision that is required to pay for college. “A 2010 study on more than 200,000 freshmen at four-year colleges, more students rated themselves as below average in emotional health than ever before. The financial stress of worrying about their college loans and whether they’ll find a job after college and the day to day stress of making decisions for themselves in all aspects of their lives.” (Allianz). Unfortunately, freshman students are the main group of college students that go through financial conflicts, leading to stress about how to pay for college. Some students choose to work their way through college. “Others decide they’d rather be making money working full time than pursuing a costly degree. Still others become discouraged at the prospect of incurring loan debt” (College View). According to Public Agenda, “Work is the top reason young adults give for not returning to college once they leave. More than a third (36 percent) of those who left school say that even if they had a grant that fully paid for tuition

When it becomes time for someone to pay off their student loans, it can be a long, complex, and strenuous process. Attorney Heather Jarvis, a specialist in the field of managing student loan debt, graduated Duke University School of Law with a total of $125,000 in loans. “Four-year college graduates continue to experience far less unemployment and earn higher salaries than those with only a high school education… But higher education is expensive and scholarships and grant aid has failed to keep with the rising tuitions.” Says Heather Jarvis. This shows that yes attending college is beneficial to people and their futures, but with tuition continuously rising year after year, colleges have failed to keep increasing the scholarships and grants they give out, which in turn causes many students to end up taking out loans, which if they don’t manage right can have endless effects on their future. “In the United States today, there are approximately thirty-seven million student loan borrowers who together owe more than one trillion dollars. Seven in ten college seniors who graduated in 2012 had student loan debt. Those who had student loan debt owed an average of $29,400.” This is why it is so important to constantly monitor one’s loans, because they can pile up very quickly and suffocate you with debt when you finally get around to paying them.

Student loans have become a popular topic of discussion due to the tuition increase and individuals taking out tremendous amounts of debt. Participating in higher education systems may have hidden costs that students may not be aware of. Students seeking higher education opportunities may not understand how their college decision should correlate with their possible career of choice. Natalie Lohrenz, a chief development officer and director of counseling at Consumer Credit Counseling Service of Orange County, advises students to not “take out more in student loans than what you expect to make in your first year of work.” Students who do not consider this rule will suffer from debt in the future. Previous college graduates did not have to choose

Education requires hard work and dedication. It can prepare an individual for life in many ways although it cannot guarantee their future. Education is a gamble. In a recent study, about 44 million Americans are in student loan debts averaging over 1.5 trillion (find citation). Moreover, 45% said it was not worth it (find citation). Student loan debts have caused people to quit their job or even go part-time. Consequently, the total cost of college can equal to missing wages and advancements. With further studies, the cost of four years of missed wages from a full-time job, amount to 49,000 and 20,000 for two years (find citation). So, think about it, is it worth it? Is it worth the stress and anxiety one can obtain by not being financially stable due to student loan debts? At hand, there are many successful opportunities; it's just a matter of hard work and dedication that the individual puts in to be

What do you think of when you hear the words college graduate? Well, in most scenarios, these words would be exciting to someone that just graduated college who have put in years of hard work and dedication to better educate and promote themselves for their future careers. Sadly enough, this is too far common not the case. In today’s society, students are graduating college with piles of debt at an alarming rate. With a troubled economy that is recovering from a recession and jobs difficult to come by for a lot of graduates with bachelor’s degrees, the student loan debt in the United States is bound to be a major crisis that could severely weaken and crimp the economy even more in the coming years.

Figuring out where you will be financially years from now is hard to imagine. There are always what you plan, and then there’s things that just happen that you would usually rather not have of. You can always make goals and things and hope that things go alright and end up close to what you expected.

My future is something I often think about. Most often, the questions that arise include the common doubts of “Am I doing this right?”, or even the occasional midnight philosophical questions such as “Why are we here?”, and so on. For the purpose of this essay, I will focus on the factors that have allowed me to reach this point in my life and how these factors influenced and continue to influence me, in order to provide me with a visualization of my future.