Gainful Employment Rule

In case, you are not aware, for-profit tuition is much higher than that of public institutions, and for profits receive a quarter of all federal aid while only enrolling 10 percent of all students (216). The real problem is that students of the much more expensive for-profit institutions tend to borrow a lot more money than the students of public institutions do and are often unable to repay these loans upon graduating and entering the work force. In fact, most graduates of for-profit institutions are unable to even get a job with their freshly awarded on line diplomas and therefore default on their federally subsidized student loans due to lack of income. Clifford refutes indications that the excessive amount of student debt is directly related to the cost of education, and therefore, disapproves of the Obama administration’s proposal to disallow further federal aid to any student who has exceeded a certain percentage of debt in relation to income. In spite of statistics that predict more than half of his students’ loans will enter default, he simply does not feel that it is the responsibility of

Kevin Carey takes a deep look into the controversies concerning for-profit colleges. For-profit colleges have received harsh criticism from institutions because of the way they recruit new students and use the loan system to gain even more of a profit, added on to the price of schooling. Even though only 10 percent of students get enrolled, a quarter of all federal aid goes to for-profit colleges. That seems extremely unfair. Carey begins with bringing us bad news, for-profit colleges do abuse the system of student loans, however they also bring educational opportunities for those who may have not had the option to attend college.

Kevin Carey is direct with what he believes is wrong with for-profit universities. He believes that they do offer classes that may be a better option for non-traditional or low-income students. However, these universities are doing these while scamming taxpayers throughout the country. These universities receive millions of dollars in funding from the government in grants and are still able to make a profit, although, many students are unable to repay their student loans in a timely manner. Some personnel within these universities use tactics to convince students to apply for loans, knowing that it is not a financially intelligent decision. Not only is this borderline unethical, but many students that receive these loans default on the payments. The for-profit universities are even attempting to change the funding from the current 90/10 rule, which states, the amount of federal funding cannot exceed 90 percent of total revenue. One quarter of all of federal aid is given to for-profits, even though, they account for less than 10 percent of students. Considering this information, government funding would be better served elsewhere.

In the article Wolfram communicates that the federal government is spending tens of billions of dollars in providing federal aid to student that are in college, through many actions like grants, loans and tax programs. But there is still yet to be evidence that suggest that these so called programs or policies have helped to decrease student loan debt and provided an aid to those attending college. Wolfram mentions that the federal government this year has purposed that federal tuition aid on college cost will undergo a phase where federal assistance will slowly die down. Wolfram states that the federal government will try to create a legal structure

Regarding the man taking orders and flipping burgers, his name is Tim. Tim was a hardworking student, but he had average grades so he was not given any scholarships. Tim was from a poor family, so his parents could not afford to send him to college. Had Tim been able to go to public college for free he would have had a better chance at a good job and a productive life. Cases like Tim’s are becoming more and more recurring amongst America’s youth. With a degree Tim would have a better chance to get a good job to provide for him and one day maybe even a family. According to college

After World War II and the establishment of Higher Education Act of 1965, the primary goal of equalizing educational opportunity to lower and middle income students became a national initiative (Mullhern et al. 2015). These initiative were provided through grants and financial aid. However, in recent years student loans have become an important part of the equation. Since the Great Recession in 2008, many states have not invested in higher education at pre-recession levels, which were already low from the previous recession (Mitchell, Palacious & Leachman). This has

Matt Taibbi argues in his Rolling Stone article titled “Ripping Off America: The College-Loan Scandal” that the government is the primary source to blame for today’s appalling inflation rates on increasing student debt. Additionally, he argues that the reason the tuition is so exploitative and unfair, is because it was created to benefit two groups. The first being, “…colleges and universities, and the contractors who build their extravagant athletic complexes, hotel-like dormitories and God knows what other campus embellishments” (Taibbi). Next up, the other group that gains from the current system is the government. This is because, “…the government actually stands to make an enormous profit on the president 's new federal student-loan system, an estimated $184 billion over 10 years” (Taibbi). Further, Taibbi goes onto to state that students often have no idea what they are signing up for with student loans, because not all students have access to the same information. Finally, Taibbi mentioned that “because of the poor job market, young people may have less of a chance than ever to actually get a good job commensurate with their education” (Taibbi). This means that with no degree, students have no chance, but with a degree you are forced down a road of high risk, and at the end you are likely to be left with a ton of debt.

According to an article in (USA Today), in 2013, the government’s profit from student loans was $41.3 billion: It was $49.9 billion in the previous years. But should the government

Technology is both a miracle and a disaster in society today. New improvements have allowed children to be safer physically now more than ever, allowing parents to know where they are 24/7. However, studies have been shown that their mental state is in decline the addiction to devices is driving a separation between teens and their friends, forcing them into a deep depression, subsequently provoking a rise in self-harm rates. Ray Bradbury’s novel, Fahrenheit 451 written in 1953, gives us a glimpse into the future in order to display the screen-obsessed and censorship - filled society in which the main character, Montag lives. Bradbury was able to predict technological advancements and their destructive effects on future civilization including screen addiction, loss of personal connections, and the depersonalization of war.

One argument is that “federal student loans have robust protections in place to help borrowers who are in a tight spot”(Josuweit). Some of these protections are deferment and forbearance or income-driven repayment plans. Forbearance can be used to pause monthly payments temporarily and income-driven repayments can lower monthly payments to match the students income, costs of living, and family size. These protections help out students who do not get a high-paying job right out of college and may have to demonstrate unemployment or another economic hardship to qualify. Equally important, “the Direct Loan program plays a key role in providing millions of Americans with an opportunity to obtain a postsecondary education”(Josuweit).

We think that William Lutz did a better job persuading us to his thesis because the wording in advertisements is more impactful than visual and verbal cues. In advertisements, every word is carefully chosen and deliberately designed to deceive and delude (Ben and Robert’s four D’s of advertising©)the consumer through false claims and unregulated words such as fights, improved, and virtually. The words in advertisements work like magic by shifting the consumer’s focus from the product to the ludicrous claim that the product is making. Lutz’ examples include both examples of using a single word, and using multiple weasel words to create claims. The skin cream ad that says “‘For skin like peaches and cream’” is an excellent example of both “for”

Q1 – Understand the purpose of employment regulation and the way it is enforced in practice.

MUSLIMS! No not ISIS or Al Qaeda. Muslims the ones that actually practice the Islamic faith. Islam means the one who peacefully surrenders to God. Islam first originated from Mecca to Medina  and later extended into the West and East. Back in the days, there were only a small number of Muslims, however today there's about 1.6 billion Muslims  worldwide.  Muslims believe in only one God and that Muhammad, peace be upon him, is his last messenger. Muslims pray five times a day,  give to charity, fast during the holy month of Ramadan, and go to pilgrimage. Muslims believe in a set of rules and guides the inhibit drinking alcohol, drugs and premarital sex. Both Muslim men and women are required

     Finally, a college student is a consumer with a demand for a product, an education. The teachers are the producers. Who wants to pay thousands of dollars for something, and then be regulated on when, how, and where to get it? Nobody. Which is probably why Texas Tech has a freshman dropout rate of 21% for the Fall 1999 semester according to Roger Terry, an author of the "Fall 1999 Retention Summary" produced by the Texas Tech Institutional Research department. According to Mr. Terry, this dropout rate is one of the highest in the Big 12 Conference and is a problem over-looked by many school officials. It is true that in a job situation the

The aim of this Assessment is to demonstrate an understanding of employment regulation and how it is enforced. Other areas covered include; how to manage recruitment, manage issues relating to pay and working time lawfully and how to ensure that staff are treated lawfully when they at work. Finally it will cover managing performance and disciplinary matters lawfully.