Essay

List and describe the four force multipliers. How do terrorists us force multipliers? Give examples for each force multipliers.

To tackle the housing affordability, first of all, it is crucial to lift the supply of housing as it will release the pressure on the housing price. Nevertheless, the supply of housing is inelastic as it requires an adequate fund, time, approval from the Government. Besides, the housing system is heavily dependent on the private sector. Thus, the Government should provide initiatives for housing providers to shift the supply of houses in the market. Australia would follow the policies from other countries to tackle the housing affordability. However, it has to fit in the Australian context. These policies might work well in other places but it does not mean that it will be applicable in Australia. The Singapore Government has a public

With the ever-increasing tuition and ever-tighten federal student aid, the number of students relying on student loan to fund a college education hits a historical peak. According to a survey conducted by an independent and nonprofit organization, two-thirds of college seniors graduated with loans in 2010, and each of them carried an average of $25,250 in debt. (Reed et. al., par. 2). My research question will focus on the profound effect of education debt on American college graduates’ lives, and my thesis statement will concentrate on the view that the education policymakers should improve financial aid programs and minimize the risks and adverse consequences of student loan borrowing.

The party in government is made up of ___________ and has direct impact on governmental policy; it is largely independent of ___________________.

In recent decades, student loan debt has increased dramatically causing a so-called, “education bubble”. This ‘education bubble’ is essentially the ‘housing bubble’ within higher education. The Federal Government, like those in the housing market crash in 2008, are lending money to those who receive a low income and can not afford college. According to The Weekly Standard, “the Federal Reserve Bank of New York reports that during the past decade, student loan debt has nearly tripled and the number of students with debt has risen by 70 percent” (Cochrane). The Federal Government needs to decrease the amount of loans they are giving out in order to prevent another crash within our economy. As a senior in high school who will not be receiving

The increased costs of tuition and fees are making it more difficult for individuals to attend college, and they are being forced to drop out, having a major impact on graduation rates. Data stated that was stated in FACT SHEET on the President’s Plan to Make College More Affordable: A , Better Bargain for the Middle Class (2015), “The average tuition at a public four-year college has increased by more than 250 percent over the past three decades, while incomes for typical families grew by only 16 percent” (“Fact Sheet”, 2015). This is causing major stress and becoming a burden on the finances of the student and their families. In order to attend college, a large percentage of students will have borrow money because of

Colleges are noticing a drop in students’ interest in a higher education, because it forces them to fall into poverty. Obtaining a higher education is a dream of many working class citizens, but the price to go to a choice college is not available economically. The majority of students use some type of student loan, they have become the norm for attending college (Johnston, Roten 24). College is becoming unaffordable to many lower class students. With tuition prices this high, students are backing out of school and looking for jobs that only require a high school diploma. Student loans should help people, but it is only hurting them because they feel like they can never repay it. Especially since student debt continues to rise. “Student loan debt rose by 328 percent from $241 million in 2003 to $1.08 trillion in 2013, according to the Federal Reserve Bank of New York” (Johnston, Roten 25).

Students High in Debts Crisis "The only good thing about student loans is that the day I die my children will not have to pay for them” (Block). The problem with everyone not being able to go to college is the cost of it. Many High school graduates don’t even think about going to college because of how crazy expensive it is. Many students drop outs later on due to not being able to keep paying and the ones who do graduates struggle in paying off their student loans for years.

When starting college every student makes a very important decision. Whether if they want to get financial aid or to pay the money up front. Having college debt will not only ruin their credit, but he or she may also have to pay off their tuition for the rest of their life. Research says, “According to the College Board, which tracks students’ financing of higher education, undergraduate students in 2013 through 2014 borrowed in the aggregate nearly $63 billion and received $33.7 billion in Pell grants.” By this quote from “Debt, Merit, and Equity in Higher Education Access” it clearly shows the effects College Debt has on their society but, also on their future. Every paycheck they receive, a small portion goes toward paying their college the same college they finished years ago. It’s not worth paying at least one hundred fifty dollars every check when it could have been paid all together. However, many may not have the same opportunities as others.

Student loans disproportionately affects individuals from households with fewer financial resources, furthering economic inequality between different groups. Although the price of college has sharply increased, the average earnings for many people remain the same, which Hillman, a professor at Univ. of Wisconsin notes to be the one of the major reasons as to why student debt has risen in the recent years, data from the US Census Bureau shows that median family incomes have fallen each year since 2005. Due to this, there is a huge dependence on borrowing to cover the high costs of college since most can’t rely on such work income or savings. Existing structural inequalities in the labor market and great racial disparities in wealth distribution has led to minority students especially Blacks and Latinos needing more financial assistance to cover college. A recent Center for American Progress analysis on the impact of student debt on communities of

Throughout the year’s higher education has become more popular and the number of students grows each year. Unfortunately, the amount of money it costs to finance your education grows as well, and along with that comes student debt. Student debt has reached an all-time high in the United States of America, and according to CNN, the amount of debt has reached 1.2 trillion dollars. The Institute College Access has said that at least 70 percent of all students are in some type of debt directly corresponding to their college education. Not only is the demand for educational degrees growing in the work fields, but the amount of debt a single person has coming out of college. There is not one state where the average amount of debt is under $22,000.00 and the national current average of debt is $28,950.00 says the Institute for College Access. In a recent study from the Institute for College Access the amount of debt in a 10-year time period, 2004-2014 rose from 65% to 69%, while average debt at graduation rose at more than twice the rate of inflammation.

The United States Government should ensure students are debt free. “According to the College Board, the average cost of tuition and fees for the 2016–2017 school year was $33,480 at private colleges, $9,650 for state residents at public colleges, and $24,930 for out-of-state residents attending public universities.” (Klijn, J.) The tuition for colleges have increased tremendously over the years, making it harder and harder for many students to pay and attend for 4 years. “Average tuition at public 4-year colleges was $7,600 in the 2010 academic year, up from $2,100 in 1980,” the report notes, while “average tuition at private 4-year colleges nearly tripled in a generation, increasing from $9,500 in the 1980 academic year to $27,300 in 2010. At the same

In today’s society, it is said that having a college degree will have long term benefits. However, for some people, they wonder if college is worth it. The reason why is because of the cost of attending college. Unlike public schools, going to college is not free. Being able to attend a four-year accredited college with scholarships is almost deemed a miracle. Being able to choose which school to fit in your price range is almost heart breaking. The cost of attendance will increase based on accreditation and location. You cannot pay for college with cash money alone. With the help of financial aid, students are given money based on their parent’s income. For some low poverty students, the hopes of getting financial aid is their way to college. For others, parents set aside a trust or college fund to give to their children. Another way students pay for college is through scholarships that they earn locally, through the state, or even on a national scale. However, when the scholarships run out, a student is forced to take out student loans, and the steps after taking the money are not told until after graduation. The student debt rate is overwhelming in this country. No one wants to talk about it because it is being swept under the rug.

Did you know that American students owe more than 1.3 trillion in student loan debt? With the growing demand for an educated workforce; the rising costs of higher education have many concerned about the price of obtaining a college education. Recent trends reveal that the costs of higher education is steady rising and the average student debt is around $30,000. This has had an impact on the average student funding college, even after grants, scholarships, and financial aid has been applied. In fact, according to Mitchell, Palacious, and Leachman (2014), between 2007-08 and 2012-13, Pell Grant was increased from $16 to $33 billion. This offset some of the increased tuition and fees for students. However, it is still not enough.

In the article "College cost are out of control," Jessica Dickler (2016) examines how college tuition costs have risen in the last decade. A higher form of education is the second tremendous expense an individual will choose to make in their lifespan right after buying a residence. The justification they use for college fees, raising is the profuseness of graduates who lend money that discourages colleges and universities from not raising the cost. More families have had to rely on loans and scholarships to get their family members through school. Financial aid has covered 34 percent of tuition cost in the last years, with the second being progenitors who have had to take money out of their income or savings to help cover the cost. Furthermore,