Student Loans in the US and the Gods of Educational Debt

Student loan defaults are rising in the United States (and so are the debt rates) and we should wonder: are we be really surprised by all this?Everybody knows what a student (or college) loan is: it is very simple, it is just “another loan” that is in fact designed to help college students pay for their tuition, living expenses, books, and the likes. The difference from other types of loans is that (i) the interest rate is quite lower with respect to a “standard loan” (the one you could get to buy a car for instance) and (ii) the repayment schedule is deferred for the entire duration of the education. Accepting a student loan, of any kind, should be done with extreme care, and the student should be aware of the basic facts and total US figures: – The current outstanding student loan debt in the United States stands at more that $830 billion; – Almost 14.5 millions are the undergraduates who enroll for college; – Each college student in higher education pays (but this is just an average figure) almost $11,000 to attend university education.The figures above are impressive and we may wonder how the US can keep up this huge higher education loan deficit that appears to be getting wider and wider… Anyway, for sure a student loan has some advantages as said, in particular, the 2 major advantages of a student loan over conventional loans are: 1) Lower interest rates; 2) Easier repayment terms.You can have a private student loan or a federal student loan. In the case of a federal student loan, Federal Direct Student Loan Program, also called Direct Loan Program or FLDP provides low interest loans for students (and parents) to help pay for the cost of college education after high school. The lender, in this case, is the U.S. Department of Education and not a bank or a financial institution, such as SallieMae for instance (and in this case we would be talking of private loan). For sake of clarity, also consider that until recently, there was the Federal Family Education Loan or FFEL Program, the second largest of the US higher education loan programs initiated by the Higher Education Act of 1965 and funded through a public/private partnership. Following the passage of the Health Care and Education Reconciliation Act of 2010 on March 26, 2010 FFEL Program was eliminated, and no subsequent loans were permitted to be made under the program after June 30, 2010. In other words, following the passage of the Health Education Reconciliation Act of 2010, the Federal Direct Loan Program is the sole government-backed loan program in the United States.In this article titled ” Dark lords of student loan debt,” Vox Day (a blogger) shows that the advantages of a college loan (and the value of college education) may come as a hard bargain:… the value of a college education has not only declined significantly […] it has also been slashed by the construction of a methodical system of financial rapine…We invite you to read the full article and figure out by yourself if that is the case and/or you are affected by the Dark Lords, or Gods depending on the point of view, of student loan debt and if indeed these programs are a scheme… What is important to remark is that indeed college is always been considered a valuable investment, but right because we are talking of “investment”, a college student (and their parents) should stop a moment and think about the ROI of college.Perhaps the value of college as declined over the years, perhaps such value is no longer a “big” value as it had been for the previous generation, perhaps the ROI of college education could be substantially increase if, instead of considering private education, we consider a public education?Certainly, there is no single answer and no answer that is valid for everyone regardless of his/her particular situation, life objectives and, most importantly, financial situation and whether your student loan is private, federal or it is a combination of private and federal student loan.

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Online Education Degree – A Booming Sector That Bring You To A Brighter Future

Are you kind of person who likes to work with children? Are you loves to giving training and teaching to young people? Are you a good communicator especially with children? If you answered yes to the questions above, then online education degree will help you to gain the skills and enhanced you knowledge in education field. Hence, help you to advance your career working in education fields.The booming education and health sector offers many jobs that involve working with children and youths. According to the U.S. Bureau of Labor, the education and health sector is going to grow by 30.6 percent between now and 2014-faster than any other industries. Seeing the encouraging growth in education section, earn an online education degree will bring you to a brighter future.In order start or advance your career in education related fields, you need to look for a related online degrees; there are many prestigious online colleges and universities offer degree in education and teaching. Among the featured online universities which offer various online education degree programs include:
Capella University Master of Science in Education focus on area in elementary classroom teaching, secondary classroom teaching, advanced instruction in mathematics, advanced instruction in science, teacher leadership, and virtual school teaching.

Master of Science in Education with concentration in Curriculum and Instruction is a specialized master degree offers to those licensed K12 teachers who looking to gain key competencies through theoretical study and collaboration with seasoned practitioners. You will acquire tools and techniques to help your district design instructional models and assessments that focus on increasing student achievement.

Master of Science in Education with concentration in Leadership in Educational Administration, offer to those K12 teachers who are looking for education career advancement in school administration.

Walden University Online master education degrees offered by Walden University include area in education leadership, Grades K-6 Elementary Reading & Mathematics, Grades 6-8 and K-5 mathematics which provide you with the key skills and knowledge to success in educational field.

University of Phoenix University of Phoenix’s education master degrees are mainly focus on education leadership and administration, education technology specialized in computer education.

If you are interested in early childhood education, then you should look for online education programs offer by Lehigh Valley College, Sullivan University, Rasmussen College, Hesser College. Since the introduction of concept “Education Start from Age 0”; the childhood education and child care management related careers are in a booming trend. Students who graduate with a childhood education degree usually go to work immediately after graduation due to high demand in this field.If you are gaga for education, opportunities for meaningful and well-paid work abound. Some other career possibilities include: Child Psychiatrist, Children Youth and Family Counselor, Doula, Pediatric Rehabilitation Counselor, and Play Therapist.In short, the statistics show that the education section is in the booming trend and educational experts are always in demand. Online education degrees will prepare you with the necessary skills and get you success in this highly demand job marketplace.

The Business of Education in America

For over two hundred years the American education system has been based on the right of all its citizens to an education. Through this guiding principle America has led the world to expanded education opportunity for women, oppressed minorities, and populations generally. As the world has come to embrace the American philosophy, America is abandoning this core belief and dividing education into the wealthy, who can afford education, and the rest of the country that will not be able to afford it.For several decades, American education was in retreat in the technical areas of science and engineering. To address these deficiencies, technical schools in secondary education and for profit colleges came into existence. They encouraged students not inclined to pursue additional education to enter technical fields and pursue higher education. Students that would not become engaged in a process of learning were suddenly involved. Students who could not make passing grades were suddenly making the A’s and B’s in vocational technical courses and for profit technical institutions.Today, these two areas of education constitute a growing number of successful students actively involved in higher education. Vocational schools and for profit colleges are designed to encourage students to become involved in technical careers, and are often structured without much of the liberal arts training that accompany traditional degrees. There’s been a longstanding disagreement as to whether students should be funneled into specific and very narrow technical educational streams, or weather all students should be forced to obtain a more generalized education designed to move them toward undergraduate degrees and eventually to graduate degrees.Although this disagreement has ragged for several generations, the effect of vocational training and for profit technical institutions cannot be denied. They have successfully moved a large segment of the population into technical careers very successfully. However, in recent months the department of education has begun to take issue with the success of the schools because they cannot guarantee that their graduates will be able to meet income guidelines created to show the success of American education of dollars that are being spent for these programs. Vocational schools and secondary education are being cut across the nation in response to the economic downturn our society is currently facing, and this policy of the department of education. Rather than address the more complex issue of how we can meld traditional, and technical areas of education into a single educational system, federal funding to provide vocational training and technical education is being slashed by the Federal government.At a time when the administration and the business community l recognize the need for a stronger commitment to technical education throughout the country, we are reducing the ability of students to obtain the education loans necessary to pay for their education because we have a fundamental disagreement as to whether there should be more general education in English, literature and the arts, and less a single minded focus on a narrow technical field. This seems to be an argument without merit since both have the single purpose of trying to educate the American public to be competitive in the marketplace of tomorrow. This is occurring at the same time that a recent study has demonstrated that the effect of a college education benefits all students whether it is in their field, general education, or in a narrow technical area. Rather than building on that premise to encourage students across the country to pursue higher education, our focus has turned to the ability of students to repay the loans to banks as the single determining factor as to whether the education was useful. The standard being put forward by the department of education does just that.It focuses their efforts on seeing that students can make enough money to repay the loans, rather than focusing on why education costs are rising so dramatically. Their focus is on making sure that students repay banks. With businesses making arguments that they need to import more foreign workers to meet the growing technical demand of high tech industry, we’re forcing American students out of the educational system as we argue their ability to pay back a bank is the single determining factor as to the quality of their education. This would not be so absurd if it were not for another of movement that is taking place in grade schools around the country today.For people who have money, there is a growing need for private preschools that are for profit in nature to prepare their children for the prestigious schools that select only a handful of American students each year. This for profit model for primary and secondary schools is becoming as popular in United States as it is abroad in countries such as Europe and Asia. Parents of wealth are quick to hand over as much as $40,000 a year to have their children placed in preparatory schools that will prepare them for prestigious colleges. Currently, a number of private investors are putting up as much as $200,000,000 to fund these types of for profit institutions. It is a growth industry that will find a burgeoning market place with in this country and abroad as the division between haves and have-nots in education continues to broaden.These parents have little faith in the public education system in this country. They are putting their money, and their children in the hands of for profit institutions that they believe will make them better able to compete in the highly technical world of tomorrow. As Madison Avenue at the American banking system find a new profitable market, they will exploit it as fully and as completely as they have the traditional American education system, to the detriment of the larger society. Education in this country is becoming a tool of banks and the wealthy and not what was envisioned by the founding fathers or the many men and women who helped create this country over many generations. It is no longer serving the public need and only looks to the needs of the wealthy, and the financial institutions whose profit motive is the single driving force for their existence.While the rest of the world is adopting the American model of an educational system that is the envy of the world, we are abandoning that system to move toward one that cannot serve the nation or the society. If we continue down this road our nation will be forever looking to the educational systems of other countries to provide the technological expertise, and the innovative thinking that will move the world and the society forward. In one breath the department of education for our nation is telling us that for profit institutions do not work and we must regarded with suspicion graduates at any college level from these institutions, while at the same time this same model is being instituted at grade schools and in elementary schools across the nation because there is a growing need for a better education system to meet the standards of tomorrow. However this growing need excludes much of American Society. If we follow this path it will only the wealthy will receive an education in this country.