How To Reduce Student Debt

“Ensuring quality higher education is one of the most important things we can do for our future generations” (Ron Lewis). There are more students enrolling in post-secondary schools than ever before and consequently there are more students acquiring large debts. Once a student graduates, they enter a $33,000 or more student loan debt (Students Loan Resources). These student loans continue to place graduates into large debts, which is largely caused by their lack of knowledge of available resources, and this impacts their everyday lives and future generations.

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

The United States needs to look to other nations that have figured out the necessity of higher education to be at an affordable cost if not free. In 2015, college graduates are facing on average just north of $35,000 in student debt (Berman). In part, the government has reduced the federal funding that each college receives each year. Therefore, colleges have constantly raised the

Women's careers are difficult to get. Workers preferably like men more than woman, so men are for sure to get what they want but not so much for women. Society thinks that men are better than women. The likelihood of women getting a job is very not so high, because

oday, society stresses the importance of postsecondary education to students due to the countless ways that an associates, bachelors, masters, or doctorate can enhance an individual future. For an individual to reach financial security in the United States’ economy it is basically mandatory that they have received a college degree. Postsecondary education will provide skills and knowledge that will prepare individuals to be successful within their career as they compete for leading positions. Overall as an individual receives a college degree they will become more likely to experience job security and financial security, and this is important to most as they hope to live a stable life. In college, students are taking as many as one hundred credit hours which contributes to most also accumulating student loan debt as they try to finance their education. Even though the completion of a postsecondary education will contribute to a graduate obtaining a respectable income it may also cause graduates to suffer from high student loan debt which will negatively impact their finances far into their adulthood. R.J. Matson created the image above to emphasize how student loan debt negatively impacts student and changes need to be made to avoid stress caused by the debt.

Most people would agree that getting a degree would make life easier as opposed to ending education with a high school diploma. With the shortage of career opportunities, jobs are becoming more competitive and most require higher education. College has become necessary and so consequently, it has become more expensive. While loans have made it possible for nearly anyone to attend college, because they are given too easily, the costs of college has increased even more. A cycle of giving loans and raising tuition is created and as a result college students are burdened with a colossal amount of debt. The issues of student debt go beyond affecting graduates’ lives and begin to cripple many areas of the economy, as well as hinder forward mobility.

Education is one of the main social institutions in today’s society. That is why it is so difficult for me to understand why it is becoming so unaffordable in the past few years. When did wanting to further education become such a burden for graduated students? There are 41 million Americans that have over $1.2 trillion dollars in student loan debt. According to the Project on Student Loan Debt, the average graduate with a bachelor’s degree pays about $350 a month on student loans for around 19 years. I cannot stress enough in how paying for college or paying off loans has become such a challenge for students who are not provided with financial aid or enough financial aid to pay for all their necessary classes. There is also the challenge in

Researchers started in 2012, Seventy-one percent of all 18 million college students graduating from four-year colleges or universities and had some form of student loan debt. The student loan debt burden in the United States increased eighty-four percent since the recession, hitting an all-time high of $1.2 trillion. The average balance has also increased and now sits around twenty-nine thousand dollars,according to CNN Money. A large portion of these 18 million understudies has been told again and again that an "advanced education" is the way to landing a great position and lifestyle of the American Dream. They have been educated not to stress about the amount it costs and that there is a lot of budget guides.

In the 21st Century the number of women enrolling in higher education institutions is surpassing the numbers of men enrolled. The graduation rates of women from high school and higher education are most often higher than for men. The number of women graduates from most professional occupations, including higher paying medicine, law and business, will exceed the number of men graduates in the near future. In numerous occupational areas with a majority of women graduates, salaries already surpass salaries in occupational areas with a majority of men graduates.

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.

Occupational segregation is seen almost everywhere. It refers to the fact that men and women are concentrated in different types of jobs, based on prevailing understandings of what is appropriate ‘male’ and ‘female’ work. Occupational segregations have both vertical and horizontal components. Vertical segregation refers to the tendency for women to be concentrated in jobs with little authority and hardly any room for advancement, while men occupy more powerful and influential positions. Horizontal segregation refers to the tendency for both men and women to occupy different categories of job. The reasons for the persistence of occupational segregation are rooted in a complex interplay between societal and personal gender stereotypes, discrimination by power-holders against out-groups, habits and social inertia-and the repeated impact of all these on individuals’ choices and behaviours. Though increasing number of women now work full time outside the home, a large number are concentrated in part-time employment. Men, by and large, do not assume prime responsibility for the rearing of children. However, it is also seen that women have started bagging some important positions in jobs. Several processes have affected these trends. One significant factor is that more women are moving into higher paying professional positions than was the earlier case. Young women with good qualifications are now as likely as their male counterpart to land into lucrative jobs. The improved

In summary Mary Barbercheck Mixed Messages, is trying to display simply, where do gender roles come from? She states how there are two models in which why people believe why women don’t peruse careers after obtaining advance degrees. The first model is the deficit model; it examines the treatment women receive. Which emphasize barriers in the scientific community such as legal, political and social barrier. However, this also uses an assumption on women’s goals; that there the same as men’s. The second model is the difference mode, which can be seen as outdated says that simply women act differently than men, thus can obtain the same measurement of success as a man can. As describes in the text, the problem with both these model is that their

Experience, age and personal factors in addition to workplace inequalities can influence a salary (WGEA, 2017b). The 2016 analysis by the Workplace Gender Equality Agency (WGEA), found that healthcare, retail and education sectors were highly dominated by females, and mining, utility services and construction were undertaken dominantly by men (WGEA, 2017c).

As stated earlier, gender difference plays a great factor in social exclusion. Women are easily excluded when talking about career opportunities as career expectations have been “given” already.

Parents also have a vital role in influencing the career path their children choose. Children look to their parents as role models and for approval, and parents attitudes and actions will influence their children. They also take into account what job their mother has as compared to their father. In many cases, children start to associate gender with particular jobs when they are very young due to their family life(Stitt, 1988). Stereotypes, like those, are brought forth to girls everyday, ranging from the traditional female jobs to males being more intelligent than females. One example is the fact that there aren’t as many women as men in jobs such as scientists and doctors. Girls often don’t question this idea because it is reinforced by so many people. These stereotypes sometimes get adopted by girls because of this constant reinforcement. Parents have the opportunity either to invalidate these stereotypes or confirm them by their actions and words. They must reassure their children that girls can participate in anything they want, including math and science activities or courses.