Download or read book Achieving a College Degree and the American Dream Debt Free written by Charles R Green M S Ed and published by . This book was released on 2020-02-05 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you're a teacher, legislator, or parent who's encouraging students to go to college, but are concerned about today's high cost of education and how they will pay for college, look no further. The answer and methods to a debt-free college lies within this book. However, you must do your homework, take responsibility for your financial life, your actions and your future. The easy but long-term painful way is to take out loans or - even worse - charge tuition bills to a credit card. After reading this book, you'll know how to: - provide a financial education to children while they're living with you or in your class; - ensure children use student loans (if they're necessary) for the right things; - find alternatives to help students pursue a debt-free college education; - avoid predatory lending practices that endanger the future for individuals and their families. Student loans will not guarantee the American dream; in fact, they may guarantee the loss of it. Will your college graduate, former student, or constituent be left wondering, "If I'm so smart, gifted, and educated, then why am I so broke?" Whether you're a parent, educator, legislator, or college-bound student, you'll learn how college students can navigate the challenges of paying for an education with the lessons, insights, and alarming data in Charley's America. www.charleygreen.com
Download or read book Debt Free Degree written by Anthony ONeal and published by Ramsey Press. This book was released on 2019-10-07 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Every parent wants the best for their child. That’s why they send them to college! But most parents struggle to pay for school and end up turning to student loans. That’s why the majority of graduates walk away with $35,000 in student loan debt and no clue what that debt will really cost them.1 Student loan debt doesn’t open doors for young adults—it closes them. They postpone getting married and starting a family. That debt even takes away their freedom to pursue their dreams. But there is a different way. Going to college without student loans is possible! In Debt-Free Degree, Anthony ONeal teaches parents how to get their child through school without debt, even if they haven’t saved for it. He also shows parents: *How to prepare their child for college *Which classes to take in high school *How and when to take the ACT and SAT *The right way to do college visits *How to choose a major A college education is supposed to prepare a graduate for their future, not rob them of their paycheck and freedom for decades. Debt-Free Degree shows parents how to pay cash for college and set their child up to succeed for life.
Download or read book Paying the Price written by Sara Goldrick-Rab and published by University of Chicago Press. This book was released on 2016-09-01 with total page 382 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show
Download or read book The Community College Career Track written by Thomas Snyder and published by John Wiley & Sons. This book was released on 2012-09-25 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get a good education without massive debt, and enter a field that's actually hiring In coming years, millions of great jobs will be opening up in growth areas like advanced manufacturing, biotechnology, health care, information technology, and sustainable energy. These jobs can pay as well as, or much better than, the average income for four-year college graduates. They generally offer high levels of day-to-day satisfaction. And the path to all of them begins in the community colleges. In The Community College Career Track, Tom Snyder gives young people and their parents, as well as mid-life career changers, a practical, inspiring guide to taking that path and completing it successfully. The old model of a bachelor's degree leading to a good job and career has broken down for large numbers of young people, many of whom graduate college only to work in a career that doesn't require a degree. Meanwhile, millions of productive American white collar and blue-collar workers have been laid off and need retraining for second careers. This book helps you find a new way forward. Offers insights on how to save money over a lifetime through an affordable college education that provides high-paying jobs Author Tom Snyder is the president of Ivy Tech Community College, Indiana's statewide community college system and the largest singly accredited community college system in the country Author Tom Snyder has confronted the education-jobs mismatch from both sides, first as a highly successful business executive and now as an award-winning educator. Follow his efficient, affordable, and rewarding path to a great career and a satisfying life.
Download or read book The Real College Debt Crisis written by William Elliott III and published by Bloomsbury Publishing USA. This book was released on 2015-07-14 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.
Download or read book How to Keep Student Loans from Threatening Your American Dream written by Charles R. Green and published by Createspace Independent Publishing Platform. This book was released on 2015-11-02 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: An in-depth look at "The Good, The Bad and The Ugly" of student loans as well as positive ways to a achieve a college education without borrowing yourself into "Educated Poverty."
Download or read book Debt Free U written by Zac Bissonnette and published by Penguin. This book was released on 2010-08-31 with total page 269 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book can save you more than $100,000. These days, most people assume you need to pay a boatload of money for a quality college education. As a result, students and their parents are willing to go into years of debt and potentially sabotage their entire financial futures just to get a fancy name on their diploma. But Zac Bissonnette is walking proof that this assumption is not only false, but dangerous-a class con game designed to rip you off and doom your student to a post-graduation life of near poverty . From his unique double perspective-he's a personal finance expert (at Daily Finance) AND a current senior at the University of Massachusetts-Zac figured out how to get an outstanding education at a public college, without bankrupting his parents or taking on massive loans. Armed with his personal knowledge, the latest data, and smart analysis, Zac takes on the sacred cows of the higher education establishment. He reveals why a lot of the conventional wisdom about choosing and financing college is not only wrong but hazardous to you and your child's financial future. You'll discover, for instance, that: * Student loans are NOT a necessary evil. Ordinary middle class families can- and must-find ways to avoid them, even without scholarships. * College "rankings" are useless-designed to sell magazines and generate hype. If you trust one of the major guides when picking a college, you face a potential financial disaster. * The elite graduate programs accept lots of people with non-elite bachelors degrees. So do America's most selective employers. The name on a diploma ultimately won't help your child have a more successful career or earn more money. Zac can prove every one of those bold assertions - and more. No matter what your current financial situation, he has a simple message for parents: "RELAX! Your kid will be able to get a champagne education on a beer budget!"
Download or read book How to Graduate from College Debt Free written by John D. Lane IV and published by iUniverse. This book was released on 2011-04 with total page 49 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today in the United States, students are graduating from college already in debt from student loans and beginning their careers in an uncertain economy. Statistics have shown that freshman college students are stressed-not about their grades or about doing well-but rather about the debt they are already accumulating. But is it really possible to graduate from college debt-free? John Lane did, and with his guidebook HOW TO GRADUATE FROM COLLEGE DEBTFREE, he can teach you how to do the same. Recent college graduate John Lane combines mini-workshops with concrete concepts, interactive exercises, and personal stories in order to provide a complete guide on how students can embark on a successful journey to receiving a college education while becoming financially self-sufficient and paying for education costs at the same time. While encouraging students to be proactive in earning funds prior to attending college, Lane also underlines the importance of setting financial goals, creating affirmations, and developing personal declarations. HOW TO GRADUATE FROM COLLEGE DEBT-FREE provides valuable information for any high school or current college students who wants to gain financial freedom and independence and throw their cap in the air on graduation day knowing they are debt-free!
Download or read book Inflated written by R. Christopher Whalen and published by John Wiley & Sons. This book was released on 2010-12-07 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: Americans as a whole view themselves as reasonably prudent and sober people when it comes to matters of money, reflecting the puritan roots of the earliest European settlers. Yet as a community, we also seem to believe that we are entitled to a lifestyle that is well-beyond our current income, a tendency that goes back to the earliest days of the United States and particularly to get rich quick experiences ranging from the Gold Rush of the 1840s to the real estate bubble of the early 21st Century. Inflated examines this apparent conflict and makes the argument that such a world view is so ingrained in us that to expect the United States to live in a "deflated" world is simply unrealistic. It skillfully seeks to tell the story of, money inflation and public debt as enduring (and perhaps endearing) features of American life, rather than something we can one day overcome as our policy makers constantly promise. Features interviews with today's top financial industry leaders and insiders. Offer a glimpse into the future of the Federal Reserve and the role it will play in the coming years Examines what the future may hold for the value of the U.S. dollar and the real incomes of future generations of Americans The gradual result of the situation we find ourselves in will inevitably lead to inflation, loss of economic opportunity, and a decline in the value of the dollar. This book will show you why, and reveal how we might be able to deal with it.
Download or read book Generation Debt and the American Dream written by Justin R. La Mort and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: President Obama was able to pay off his student loans only after authoring two bestselling books and becoming a prominent figure on the national political scene. This is not a strategy that can be easily replicated by the rest of us. As our tax dollars are being spent to bailout AIG and GM we have ignored helping those who are drowning in student debt. We can either rearrange the deck chairs as the band plays on or we can seize this unique opportunity in time to provide a life preserver to some of our country's best and brightest. The American dream is predicated that through education and hard work one can accomplish anything. Sadly, my generation will be less educated and in greater debt than the generation of my parents. Never before has having a college degree meant so much in competing in the global marketplace yet never before has the financial barriers been so great to earning that degree. This paradox must be resolved if our students and our country are to reach their full potential. The present system restricts innovation among the entrepreneurs, inventors, and artists who can no longer risk taking a chance when facing five to six figures of debt. Our society loses the talent of those unable to afford a career in public service. These effects are especially true for the middle and working class who we most want to break from the cycle of poverty but whose best route is by entering modern day indentured servitude. We must change the way we pay for higher education if the United States is to uphold its promise. This article will detail the pervasive effects of the student loan problem in America and will examine pragmatic solutions such as ending the Federal Family Education Loans (FFEL) program, removing unwarranted bankruptcy protection of student loans, and enacting loan forgiveness programs to reverse the receding economic tides. The effects of these policies would stimulate the economy, create an environment conducive to innovation, and move our society closer to its meritocratic ideals.
Download or read book After the Ivory Tower Falls written by Will Bunch and published by HarperCollins. This book was released on 2022-08-02 with total page 359 pages. Available in PDF, EPUB and Kindle. Book excerpt: From Pulitzer Prize–winning journalist Will Bunch, the epic untold story of college—the great political and cultural fault line of American life Winner of the Athenaeum of Philadelphia Literary Award | Longlisted for the PEN/John Kenneth Galbraith Award for Nonfiction | "This book is simply terrific." —Heather Cox Richardson | "Ambitious and engrossing." —New York Times Book Review | "A must-read." —Nancy MacLean, author of Democracy in Chains Today there are two Americas, separate and unequal, one educated and one not. And these two tribes—the resentful “non-college” crowd and their diploma-bearing yet increasingly disillusioned adversaries—seem on the brink of a civil war. The strongest determinant of whether a voter was likely to support Donald Trump in 2016 was whether or not they attended college, and the degree of loathing they reported feeling toward the so-called “knowledge economy" of clustered, educated elites. Somewhere in the winding last half-century of the United States, the quest for a college diploma devolved from being proof of America’s commitment to learning, science, and social mobility into a kind of Hunger Games contest to the death. That quest has infuriated both the millions who got shut out and millions who got into deep debt to stay afloat. In After the Ivory Tower Falls, award-winning journalist Will Bunch embarks on a deeply reported journey to the heart of the American Dream. That journey begins in Gambier, Ohio, home to affluent, liberal Kenyon College, a tiny speck of Democratic blue amidst the vast red swath of white, post-industrial, rural midwestern America. To understand “the college question,” there is no better entry point than Gambier, where a world-class institution caters to elite students amidst a sea of economic despair. From there, Bunch traces the history of college in the U.S., from the landmark GI Bill through the culture wars of the 60’s and 70’s, which found their start on college campuses. We see how resentment of college-educated elites morphed into a rejection of knowledge itself—and how the explosion in student loan debt fueled major social movements like Occupy Wall Street. Bunch then takes a question we need to ask all over again—what, and who, is college even for?—and pushes it into the 21st century by proposing a new model that works for all Americans. The sum total is a stunning work of journalism, one that lays bare the root of our political, cultural, and economic division—and charts a path forward for America.
Download or read book The Community College Career Track written by Thomas Snyder and published by John Wiley & Sons. This book was released on 2012-08-31 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get a good education without massive debt, and enter a fieldthat's actually hiring In coming years, millions of great jobs will be opening up ingrowth areas like advanced manufacturing, biotechnology, healthcare, information technology, and sustainable energy. These jobscan pay as well as, or much better than, the average income forfour-year college graduates. They generally offer high levels ofday-to-day satisfaction. And the path to all of them begins in thecommunity colleges. In The Community College Career Track,Tom Snyder gives young people and their parents, as well asmid-life career changers, a practical, inspiring guide to takingthat path and completing it successfully. The old model of a bachelor's degree leading to a good job andcareer has broken down for large numbers of young people, many ofwhom graduate college only to work in a career that doesn't requirea degree. Meanwhile, millions of productive American white collarand blue-collar workers have been laid off and need retraining forsecond careers. This book helps you find a new way forward. Offers insights on how to save money over a lifetime through anaffordable college education that provides high-paying jobs Author Tom Snyder is the president of Ivy Tech CommunityCollege, Indiana's statewide community college system and thelargest singly accredited community college system in thecountry Author Tom Snyder has confronted the education-jobs mismatchfrom both sides, first as a highly successful business executiveand now as an award-winning educator. Follow his efficient,affordable, and rewarding path to a great career and a satisfyinglife.
Download or read book Our Kids written by Robert D. Putnam and published by Simon and Schuster. This book was released on 2016-03-29 with total page 400 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The bestselling author of Bowling Alone offers [an] ... examination of the American Dream in crisis--how and why opportunities for upward mobility are diminishing, jeopardizing the prospects of an ever larger segment of Americans"--
Download or read book Beating the College Debt Trap written by Alex Chediak and published by HarperChristian + ORM. This book was released on 2015-12-29 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: A groundbreaking guide to “how you can get the most value for your money . . . If you don’t want to waste a decade languishing in student debt, this is the book” (Zac Bissonnette, New York Times–bestselling author of Debt-Free U). There’s a better way to do college. The radically counter-cultural truth is that students don’t have to be totally dependent on Mom, Dad, or Uncle Sam to get the most out of college. Graduation on a solid financial foundation is possible. But it will require intentionality, creativity, hard work, and a willingness to delay gratification. Alex Chediak gets into the nitty-gritty of how to get work and make money during the college years, pay off any loans quickly, spend less, save more, and stay out of debt for good. He also unpacks how to transition from college into career, honor God while achieving financial independence, and use your finances to make a positive, eternally significant difference in the lives of others. As a young engineering professor with an aptitude for finances and money management, Chediak has become particularly concerned with the financial health of young adults, especially in light of the ever-increasing costs of college. In Beating the College Debt Trap he does something about this problem—addressing the real-world financial issues faced by those in their late teens and early twenties with clarity, practical help, lots of illustrations, and a little humor, while conveying a distinctly Christian perspective.
Download or read book Debt Free For Life written by David Bach and published by Doubleday Canada. This book was released on 2011-01-28 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: The #1 bestselling author presents his most important book since The Automatic Millionaire and gives Canadians the knowledge, the tools, and the mindset to get out of debt — forever. Whether you are working off student loans or trying to meet the minimum balance on your credit card bill, you are probably worried every time you open your mailbox. With salaries frozen and layoffs looming, how will you ever be able to pay down that debt, let alone retire in peace? Here, David Bach offers a new philosophy made for our times, a paradigm-shifting approach to finance that teaches you how to pay down your debt and adopt a whole new way of living. If you have debt, you can be rich but still not free. When you pay down your debt, you reach Freedom Day, that glorious moment when you need a lot less money just to live. On that day, you are truly free. You can have a smaller nest egg and still retire, perhaps even earlier than you expected. With his trademark motivational energy and take-action step by step advice, Bach helps you revolutionize your finances. In these lean times, it's still possible to live your financial dreams. Let David Bach show you how.
Download or read book Reaching the American Dream written by Kenneth Smith and published by Xlibris Corporation. This book was released on 2017-07-21 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: You may be visualizing more in your American Dream, but basically, this is what it is all about. Set your goals high because the answers are within this book. Do you need some help teaching your children how to achieve the American Dream? All you need to know is in the content of this short, easy-to-read book. This book will keep you on track while you are living and working to achieve your American Dream, thereby making it easy for you to teach your children how to achieve their dreams and ambitions. The principals within this book work if you practice them.
Download or read book Student Loan Debt written by Keith Greiner and published by . This book was released on 2007 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, there has been a growing interest in college access and with it, a growing concern about the debt incurred by students. Analysts on all sides suggest a variety of causes and solutions to this very complex problem. This paper presents a collection of informational items that can be seen as both disparate and connected. We can see that the attainment of a college degree is a fundamental part of our culture, as is debt. Federal student loan policies seem to favor the use of student loan debt to finance college during a time when family savings rates were at the lowest level since 1933 and bankruptcies increased. At the same time, student loan defaults seemingly declined, although much of the decline can be attributed to policies not directly related to changes in consumer behavior. The report highlights the following topics: (1) College as part of the American Dream, (2) Historical changes in Federal appropriations directed to higher education, (3) National economic trends associated with college financing, (4) What college students perceive about borrowing, (5) References. (Contains 2 tables and 14 figures.).
