Essay Student Loan Debt Relief - 1460 Words

Student Loan Debt Relief Student loan debt relief is a controversial issue in America today. Student loan debt affects twelve million college students, roughly 60% of all college attendees, per year (Student Loan Debt Statistics). Student loan debt relief rose to the forefront of economic news during the financial market crash of 2008. The U.S. Government has developed a debt relief plan that extends payments over a 25-year period, with a full forgiveness of all remaining debt at the end of that 25-year term (Ensuring That Student Loans Are Affordable). During this repayment period, payments can be suspended during times of unemployment, giving hardship students a break from their student loan payments. Many people feel that student†¦show more content†¦Another negative view concerning student loan debt repayment deals with the amount of loan debt that a borrower may accrue. With this new program in place, borrowers may feel free to borrow higher loan amounts, knowing that they will have a 25-ye ar period for repayment (Redd). This puts a heavy burden on the lending institutions, as far as the debt structure is concerned, since the larger loan debt load will be harder to maintain that smaller ones. The last critical view of student loan debt relief deals with the lending institutions themselves. Banking institutions originally offered student loans that were to be repaid within a 10-year period. The new student loan debt relief plan extends this repayment period to 25 years, and this will create a hardship on the banks that were the original lenders. Since the recovery time will be much greater for these debts, these banks will have less available funds for future loans. Many feel that decreased lending power from the banking institutions may cause more stress on our economy in the long run. A large part of economic development rests in the ability of banks to keep loaning money, and if cash flow from loan repayment slows, it can take a toll in future lending (Keeton). There are several possible resolutions toShow MoreRelatedIs Forgiving Student Loan Debt A Good Idea?1009 Words   |  5 PagesKayla Webley, in her essay â€Å"Is Forgiving Student Loan Debt a Good Idea?† states Robert Applebaum’s solution for student loan debt is a â€Å"radical and wildly unfeasible solution† in both economically and politically. Applebaum’s proposal is to â€Å"provide a one-time bailout of student debt†¦as a way to stimulate the still-limping economy.† However, Webley counters the solution has to have â€Å"the purported benefited and fairness of a one-time student loan bailout.† In Webley’s essay, in the sixth paragraphRead MoreIs Forgiving Student Loan Debt A Good Idea?1227 Words   |  5 PagesKayla Webley, in her essay â€Å"Is Forgiving Student Loan Debt a Good Idea?† states Robert Applebaum’s solution for student loan debt is a â€Å"radical and wildly unfeasible solution both economically and politically. Applebaum’s proposal is to â€Å"provide a one-time bailout of student debt†¦as a way to stimulate the still-limping economy.† However, Webley counters that the solution has to have â€Å"the purported benefited and fairness of a one-time student loan bailout.† In Webley’s essay, in the sixth paragraphRead MoreStudent Debt Is Tough And Federal Loan865 Words   |  4 PagesThe qualifications for the program are tough and federal loan forgiveness only applies to federal Direct Loans, not private student loans. If the graduate is lucky enough to land a public service job the graduate must realize that there is no guarantee that the employment will still be around in ten years since no one truly knows how the program will work or if it will work at all. Val Meyers, associate director for the Office of Financial Aid at Michigan State University comments are recorded inRead MoreHow Government Implement Federal Student Loans And Education Budget1619 Words   |  7 Pagesscenarios, therefore, in this essay, by using the knowledge and ideas acknowledged from this class, this essay will take a look at how government implement federal student loans and education budget, furthermore, this essay is going to explore how different political part ies view this specific policy situation. In the United States, Student loan debt has recently reached an important milestone, during the year of 2010, total student loan has exceed the national credit card debt. Approximately a year laterRead MoreThe Student Loan Debt Crisis1247 Words   |  5 Pages The Student Loan Debt Crisis Student loan debt has overtime become an unpleasant part of life for millions of Americans and especially borrowers. It is possible to identify the types of people who went through college and borrowed financial loans from those that went through college and did not go to college or those that went but did not borrow. The debt crisis directly affects the families of the borrowers, those with high debt burdens and advanced degrees. Despite the increased length in loanRead More Conniving Campus Credit Essay1677 Words   |  7 Pagescollege campuses causes students to be burdened with needless and unscrupulous debt. In his essay, â€Å"The Lure of Easy Credit Leaves Students Struggling with Debt,† Hoover effectively argues his position through significant references and by successfully rebutting the opposition. Hoover explains how college students are not prepared to deal with the financial responsibilities associated with managing credit cards and why credit debt companies spec ifically target college students. Hoover also discussesRead MoreTaking a Look at Educational Debt1629 Words   |  7 Pageshelping students all over the world attend college to seek the education for the job of their dreams. This financial relief can be the difference between a student being able to go to college or to not go to college. However, there is often not enough rising awareness on the negative effects student debt can have on a person, and how they can effect a student’s career choice. Students are searching everywhere for a revival from student debt. If there were only one solution for student debt, I wouldn’tRead MoreThe Issue Of The Student Loan Crisis1762 Words   |  8 Pagesgraduate owes thirty-seven thousand dollars in loans (Glum). As a whole, Americans owe a grand total of 1.3 trillion dollars. These are figures that grow every year, and worse, the number of people who are defaulting on their payments grows as well. The issue of the student loan c risis is serious, which is why potential solutions are now being discussed. Presidential candidates for the election of 2016 have discussed solutions that range from Hillary Clinton’s debt-free college plan to Bernie Sanders’ freeRead MoreCollege Tuition Cost On A Rise Essay1254 Words   |  6 Pagesthe cost of tuition. The raising cost of tuition has limited the amount of attending students from graduating in the expected time frame, left students in debt, and has denied the chance of countless others from attending the college of their choice. This essay will reflect on supporting evidence to demonstrate how the increase of cost of college tuition over the past 10 years has affected future and current student enrollment. Since the early 1900’s, Texas colleges had to lobby for funding from theirRead MoreEssay about How to Solve the Foreclosure Crisis1588 Words   |  7 Pagesoccupied. Finally, the third component is the prevention of additional foreclosures from happening. We need to get the real estate market fluid again by making the market more attractive to individuals looking to purchase or invest in property. This essay will describe these components in detail to show how they can be the key to solving the foreclosure crisis in America. Component One The first component of the solution is addressing the banks’ â€Å"toxic assets† that were created by the mortgage banks

College is not for everyone Essay - 1046 Words

College is not for Everyone One question that comes to mind when graduating high school is, â€Å"should I attend college?† For many graduates this question have a very obvious answer. A high school graduate may state that, â€Å"college is the best option if one is trying to get a higher level of education, and will help one compete for a higher paying job.† However, in my opinion most graduates do not consider the fact that going to college is a very big decision to make and that the schoolwork will not be easy. Going to college is not the best choice for every high school graduate because many students cannot handle college, colleges’ lower standards, and not all jobs require a college degree. First of all, many high school graduates cannot†¦show more content†¦The statement is also important because it is true that many high school graduates are not ready for college. The academic and financial challenges must be taken seriously, and the new college student must realize that he needs to be responsible in order to succeed in college as well as be able to financially support himself throughout college. The last part of the statement is perhaps the most important because it is true that many college students do not have the desire to learn, instead many attend college because of the social aspect, or simply because of the pressure to attend by the parents. The desire to learn is what determines how much effort one puts into his schoolwork. If the student does not want to learn that will reflect on his schoolwork and it will make it hard for him to succeed. The second reason as to why not all students should go to college is because colleges have begun to lower standards. ACTs, SATs, and high school transcripts are all being looked at by colleges in order to decide whether or not a student is qualified to get into the college. However, are these scores actually being looked at and examined how they should be, or are the colleges ad mitting underqualified high school students into college because of the tuition fees that student would have to pay? College is very expensive, with the tuition costs, book fees, meal plans, and room and board costs. It could beShow MoreRelatedCollege Is Not For Everyone1286 Words   |  6 Pagesthat most kids take after graduation; college, or should you chose your own path. You began to consider the cost, the effectiveness, and other problems associated with college which makes you start to reconsider if college is actually worth it. You have to decide whether to go to college, an alternative institute, or to get a job. Your dreams are big and you know the chances of achieving them are less if you do not receive a college degree. After all, a college degree is a life necessity, dependingRead MoreIs College For Everyone? Essay1164 Words   |  5 Pages In her article â€Å"Is College for Everyone?† blogger and college professor Pharinet discusses the value of a college e ducation and debates whether or not it is worth it to pursue a continued education. The author’s purpose for writing this article is to attempt to change a popular societal opinion that it is necessary to attend college in order to succeed. She argues that there are students who are often unprepared for the challenges and responsibilities of attending college, but attend simply forRead MoreCollege Is Not for Everyone1946 Words   |  8 Pagesï » ¿College is not for Everyone Introduction It is a well known fact but there are many people including counselors, parents, teachers, and friends who resist saying it out loud for fear it will sound like discouragement and negativity: college is definitely not for everyone. The pressure on high schools students, especially those that excel, to attend a college or university is enormous. And in the case of a bright, industrious and motivated high school student, attending a college or universityRead MoreCollege Is Not For Everyone2051 Words   |  9 Pages College Is Not for Everyone Joseph G. Valencia Hudson County Community College April 24, 2015 Bibliography with Summary Many people believe that education is the key to success. Hoping that if people finished college, they will land a good and stable job. Precisely, college degree has a huge positive impact for most people because employers will look at employees’ education and experience in their resumes to exceed their expectations. However, college is ineffective to some people yet manyRead MoreIs College For Everyone?843 Words   |  4 Pagesand peregrinate to college to get a degree for their future jobs. There is an author, Pharinet, who verbally expresses that, â€Å"That there are too many students enrolled in school who simply don’t belong there† (680). Pharinet says that in her article, â€Å"Is College for Everyone?† She argues that college is not for everyone and that students should think deeply afore enrolling. She claims that students who are not academically ready and financially stable are the most mundane in college. Pharinet commencesRead MoreIs College For Everyone?881 Words   |  4 PagesIs College for Everyone? The evolution of time is the cause of the various changes in the universe; it keeps on producing new concepts to challenge and a better understanding of the importance of education in everyone’s life. Despite all of the struggling college students might face, yet college education is always a smart decision and the right investment towards the future. Earning a bachelor s degree is an extremely valuable step which prepares the person for a long journey of a wide varietyRead MoreIs College For Everyone? Essay1813 Words   |  8 PagesIn her article â€Å"Is College for Everyone?†, blogger and college professor Pharinet discusses the value of a college education and debates whether or not it is worth it to pursue a continued education. The author’s purpose for writing this article is to attempt to change a popular societal opinion that it is necessary to attend college in order to succeed. She argues that there are students who are often unprepared for the chall enges and responsibilities of attending college, but attend simply forRead MoreIs college For Everyone Essays656 Words   |  3 PagesLancaster November 6, 2013 Arnold Clay ENC1101 Is College for Everyone?: Comparative Rhetorical Analysis Since the first GI Bill was passed after World War II universities have been steadily increasing. Currently there are more than 4000 college like institutions in the United States. Public policy has been making higher education more reachable for example by creating federal student loan programs so everyone has a chance to attend college. But recently we have seen the cost of a four year degreeRead MoreCollege Can Be For Everyone1009 Words   |  5 PagesSpiritual Success College can be for everyone. Who would not appreciate a diploma that recognizes the commitment to at least four years of higher education? Whether one seeks an occupation, financial stability, or personal growth, a college education serves numerous benefits. As methods of education continue to evolve, pushing many over the top while leaving some behind, education is a human right we must not neglect to practice. Matt Price’s Article College isn’t for everyone -- No, Really discussesRead MoreCollege Education Is Not Granted For Everyone1461 Words   |  6 PagesMonica Sanad Professor Benjamin Bever English 112 26 April 2016 XX TITLE XX In retrospect, college education, in the old days, has been a privilege that was not granted for everyone. Unfortunately, this was a detriment likely to be caused by the inequality at race, gender or wealth. However, as humans have evolved beyond such inane, discriminatory issues, more people were able to go to college and earn a degree for a living, thus improving their quality of life and acting as a driving force to the

Discuss Factors That Facilitate or Impede Helping Behaviour Free Essays

Discuss factors that facilitate or impede helping behaviour In this essay we will discuss what defines behaviour/ helping behaviour, the social, environmental and biological influences that affect a person’s behaviour, pro-social behaviour, and the different factors that impede helping behaviour. Also Latane and Darley’s 1968 – 1980 experiments and studies that were conducted to understand human behaviour will be discussed, as well as the Kitty Genovese incident, in order to research into why help was not shown when there were so many people around.Behaviour can be defined as the actions or reactions of an object or organism, usually in relation to the environment. We will write a custom essay sample on Discuss Factors That Facilitate or Impede Helping Behaviour or any similar topic only for you Order Now Behaviour can happen consciously or subconsciously, overt or covert, and can also be voluntary or involuntary to humans. Human behaviour can be common, unusual, acceptable or unacceptable. Helping behaviour refers to voluntary actions intended to help others. It is a subcategory of pro-social behaviour; intentional act that helps or benefits another individual or group of individuals. This can be demonstrated by sharing, comforting, rescuing and helping.Altruistic behaviour is a subcategory of helping behaviour, which refers to pro-social behaviour that is carried out with the desire to benefit another without expectation of obtaining external or internal reward. According to the theory of universal egoism, people are fundamentally selfish and altruism is an impossibility, (Dovidio 1995, as cited in Gross 2001. ) However certain kinds of casual helping (McGuire, 1994) or low-cost altruism (Brown, 1986) seem to be fairly common, such as giving a stranger directions or telling them the time.Pro-social behaviour can be defined as behaviour that has positive social consequences and contributes to the physical or psychological well being of another person. It is thought that Kin Selection is a genetic response to supporting the broader gene p ool. Social conditioning can also have been a cause and pro-social parents lead to pro-social children. The reciprocity norm is when help is given to those who have given help to us in the past or where people help others, knowing that one day they may want someone to help them in the same unselfish way.This can affect people’s way of helping others. As well as the social exchange theory where human interactions are transactions that aim to maximize one’s reward and minimize one’s cost. Also the social responsibility norm is when we should help others who really need it, without regard to future exchanges. It must be remembered that a person’s mood influences whether they would help a person in need. People who are in a good mood are more likely to do good, compared with people who are feeling guilty. But – if helping is likely to spoil our good mood, we might not help (Isen, 1984. ) Although if the bad mood is guilt and helping can relieve that, we might help. Also people in small towns are more likely to help than those squashed together in cities. Humans estimate the suitability of behaviour using social norms and adjust behaviour by way of social control. In biology, psychology and sociology, social behaviour is either behaviour directed towards society or taking place in between members of the same species.Social influences are considered the most likely factor for an individual to engage in helping behaviour. Social influences can be defined as the sum of all things that may change or affect a person’s behaviour, thoughts, feelings or actions. Studies on social influences might centre on ways in which behaviour of individuals or a whole group is influenced by outside factors, a person’s outlook or simply how they appear. An example of these influences was demonstrated by Piliavin et al, 1969, when student experimenters would pretend to collapse in a subway compartment.They would fall to the floor and wait to see if they’d be helped. There were two conditions; some would be carrying a cane (known as the ‘lame’ condition), and others would wear a jacket which smelled very strongly of alcohol and carried a bottle in a brown paper bag (known as the ‘drunk’ condition. ) They found that help was offered much less often in the ‘drunk’ than in the ‘lame’ condition. This shows that the importance of difference is a social influence that determines whether a person helps a victim.Therefore the greater the victims’ injury, distress or disfigurement, or the more we disapprove of them or their undesirable behaviour, the more likely we are to perceive them as being different from ourselves. This makes it less likely that we would offer help. Helping behaviour can also be effected by environmental factors, for instance different areas (rural or urban areas), culture differences, simple factors such as the time of day and also time; whether a person is busy, running late or heading somewhere.In order to see how the cost of time would affect helping behaviour Darley and Batson, 1973 (as cited in Gross, 2001) created an experiment called, â€Å"If you need help avoid a late Samaritan. † This involved participants who were students at a theological seminary, who were instructed to present a talk in a nearby building. The students were halved; one half was told to speak about ‘The Good Samaritan’ while the other half were told to speak about jobs most enjoyed by seminary students. Then each student was told either a. He was ahead of schedule and had plenty of time, b. He was right on schedule, or . He was late. On the way to their talk, each student passed a man slumped in a doorway, coughing and groaning. The percentages offering help were 63, 45 and ten for conditions a, b and c. Ironically, the results showed that on several occasions the ‘late’ students who were giving a talk about ‘The Good Samaritan’ literally stepped over the victim. This study shows that the cost of time is an important influence on whether an individual chooses to help. Also many studies have found that people tend to help others during daylight when there is no threat to their safety compared with night time. Also personal factors are very strong influences on helping behaviour. The table below shows the costs of helping/ not helping in emergencies/ non-emergencies, and the likelihood/ type of intervention, as predicted by the arousal-cost-reward model (based on Piliavin et al, 1969. ) Costs of helping/not helping and likely outcome| Examples| Costs of helping are low| You’re unlikely to be injured yourself; the victim is only shocked. | Costs of helping are high| You’d feel guilty; other people would blame you. | Likelihood of intervention very high – and direct| |Costs of helping are high| You don’t like the sight of blood; you’re unsure what to do. | Costs of helping are high| It’s an emergency; the victim could die. | Likelihood of intervention fairly high – but indirect| Call for ambulance/police or ask another bystander to assist| Or redefine the situation| Ignore the victim and/ or leave the scene| Costs of helping are high| â€Å"T his drunk could turn violent or throw up over me†| Costs of helping are low| â€Å"Who’d blame me for not helping? †| Likelihood of intervention very low| Bystander may well turn away, change seats, walk away etc. Costs of helping are low| â€Å"It wouldn’t hurt to help this blind man cross the road. †| Costs of helping are low| â€Å"He seems capable of looking after himself; there’s very little traffic on the road. | Likelihood of intervention fairly high| Bystanders will vary, according to individual differences and how they perceive the norms operating in the particular situation. | Biological influences are factors concerning human instincts such as self preservation and survival. These influences are difficult to ignore because human instinct is to keep a person safe and out of harm’s way.Therefore there is more likelihood of helping a victim if there is no threat to the helper’s safety. But safety cannot be guaranteed and results in individuals not helping. Campbell and Church, 1969, as cited in Gross 2001, believed that punishment is a stronger influence on behaviour compared with Skinner’s belief that reinforcement is a stronger influence. In March 1964, Kitty Genovese was attacked in a Queens’s parking lot at 3am. Thirty eight people were reported who watched from their windows, while she was beaten and stabbed to death over a half hour period.Not one bystander called the police until the attacker had fled. This incident raised much concern into why nobody helped. This led Latane and Darley, together with findings from their laboratory studies, to introduce the concept of the ‘unresponsive bystander’ or ‘bystander apathy’ to represent people’s typically uncaring attitude towards others in need of help. The American media thought it was remarkable that out of the thirty eight witnesses not one did anything to help, Latane and Darley believed that it was precisely because there were so ma ny, Kitty Genovese was not helped. In result to this incident Latane and Darley researched into how the number of bystanders would affect helping behaviour. They found that 90% of the time, a lone bystander was more likely to help than when many people were around. One study was confederates would drop pencils or coins in an elevator and would see if people would help them pick it up. The results were, if only one person was in the elevator, the confederate received help 40% of the time. Only this figure dropped to 20% when six other people were in the elevator. The question â€Å"Why does more people = less help? † is answered with three factors.The first factor is noticing. Another of Latane and Darley’s studies shows that any given bystander is less likely to notice the incident as the number of bystanders increase. For example, their 1970 experiment was having men fill out a survey by themselves or in a group. Whilst they completed their survey, smoke would start pouring into the room through a vent. After four minutes of smoke, 75% of subjects who were alone reported the smoke to the researcher, while only 12% of the subjects in the group reported it. This supports there theory of â€Å"more people = less help. † The second factor is interpretation.This means the more people that are around, the less likely any will interpret the situation as an emergency. In the smoke experiment, only 3 of 8 groups reported the smoke. Humans use other people’s behaviour to help measure what the reality of the situation is. The third factor is responsibility. In 1968, Latane and Darley produced another study. Subjects were told they were supposed to discuss problems with University Life. Each subject was put into separate rooms and was told to talk over the intercom. They were also told that no one would be listening to their conversations. During the discussion, one of the ‘subjects’ began having an epileptic fit and pleaded for help. When the subjects believed they were the only other person in the discussion, 85% left the room to help. However when subjects believed that there were four other people having the discussion, only 31% went to help. This again supports the notion of ‘more people = less help. ’ As cited in R. Gross 2001, Psychology, The Science of Mind and Behaviour, according to Latane and Darley’s 1970 decision model, before someone helps another, that person must: * Notice that something is wrong, * Define it as a situation requiring help, Decide whether to take personal responsibility, * Decide what kind of help to give, * Implement the decision to intervene. This symbolizes a logical sequence of steps, showing that a negative response at any one step means that the bystander won’t intervene. (See appendix 1 for Decision Model. ) In conclusion, helping in the form of pro-social behaviour has been studied largely in the form of bystander intervention. The murder of Kitty Genovese, together with early laboratory experiments by Latane and Darley supports the notions that when there are more people around, help is less likely to be given.Also that there are many influences that affect helping behaviour, whether it is biological, environmental or social. Nevertheless, altruism is definitely not impossible and humans are not fundamentally selfish. Future research should look into whether gender affects helping behaviour or age, for example, is an adult between 21-30 more prone to help someone rather than a teenager. How to cite Discuss Factors That Facilitate or Impede Helping Behaviour, Papers