Download or read book Dear Debt written by Melanie Lockert and published by Coventry House Publishing. This book was released on 2016-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt

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 Can t Pay Won t Pay written by Collective Debt and published by Haymarket Books. This book was released on 2020-06-23 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: Debtors have been mocked, scolded and lied to for decades. We have been told that it is perfectly normal to go into debt to get medical care, to go to school, or even to pay for our own incarceration. We’ve been told there is no way to change an economy that pushes the majority of people into debt while a small minority hoard wealth and power. The coronavirus pandemic has revealed that mass indebtedness and extreme inequality are a political choice. In the early days of the crisis, elected officials drew up plans to spend trillions of dollars. The only question was: where would the money go and who would benefit from the bailout? The truth is that there has never been a lack of money for things like housing, education and health care. Millions of people never needed to be forced into debt for those things in the first place. Armed with this knowledge, a militant debtors movement has the potential to rewrite the contract and assure that no one has to mortgage their future to survive. Debtors of the World Must Unite. As isolated individuals, debtors have little influence. But as a bloc, we can leverage our debts and devise new tactics to challenge the corporate creditor class and help win reparative, universal public goods. Individually, our debts overwhelm us. But together, our debts can make us powerful.

Download or read book The Debt Resisters Operations Manual written by George Caffentzis and published by . This book was released on 2013-10-10 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last 30 years, wages have stagnated and average household debt has more than doubled. People are forced to take on debt to meet their everyday needs like housing and education, leading to devastated communities and an increasing reliance on credit to maintain basic living standards. This system enriches the lives of few at the expense of many. The Debt Resisters' Operations Manual is a handbook for debtors everywhere to understand how the debt system really works, while providing practical tools for fighting debt in its most exploitative forms.

Download or read book Student Loans and the Dynamics of Debt written by Brad Hershbein and published by W.E. Upjohn Institute. This book was released on 2015-02-23 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The papers included in this volume represent the most current research and knowledge available about student loans and repayment. It serves as a valuable reference for researchers and policymakers who seek a deeper understanding of how, why, and which students borrow for their postsecondary education; how this borrowing may affect later decisions; and what measures can help borrowers repay their loans successfully.

Download or read book The Student Loan Mess written by Joel Best and published by Univ of California Press. This book was released on 2014-05-02 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Student loan debt in the U.S. now exceeds $1 trillion, more than the nation's credit-card debt. This timely book explains how and why student loans evolved, the concerns they've raised along the way, and how each policy designed to fix student loans winds up making things worse. The authors, a father and son team, provide an intergenerational, interdisciplinary approach to understanding how, over the last 70 years, Americans incrementally, with the best intentions, created our current student loan disaster. They examine the competing interests and shifting societal expectations that contributed to the problem, and offer recommendations for confronting the larger problem of college costs and student borrowing in the future"--

Download or read book Game of Loans written by Beth Akers and published by Princeton University Press. This book was released on 2018-05-29 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why fears about a looming student loan crisis are unfounded—and how they obscure what's really wrong with student lending College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.

Download or read book The Student Loan Scam written by Alan Collinge and published by Beacon Press. This book was released on 2009-02-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt. Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.

Download or read book Higher Education Opportunity Act written by United States and published by . This book was released on 2008 with total page 432 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book You are Not a Loan written by and published by . This book was released on 200? with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Remake the World written by Astra Taylor and published by Haymarket Books. This book was released on 2021-05-04 with total page 183 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the last decade, author and activist Astra Taylor has helped shift the national conversation on topics including technology, inequality, indebtedness, and democracy. The essays collected here reveal the range and depth of her thinking, with Taylor tackling the rising popularity of socialism, the problem of automation, the politics of listening, the possibility of rights for the natural and non-human world, the future of the university, the temporal challenge of climate catastrophe, and more. Addressing some of the most pressing social problems of our day, Taylor invites us to imagine how things could be different while never losing sight of the strategic question of how change actually happens. Curious and searching, these historically informed and hopeful essays are as engaging as they are challenging and as urgent as they are timeless. Taylor 's unique philosophical style has a political edge that speaks directly to the growing conviction that a radical transformation of our economy and society is required.

Download or read book Indebted written by Caitlin Zaloom and published by Princeton University Press. This book was released on 2021-05-04 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt: "'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon

Download or read book Democracy May Not Exist But We ll Miss It When It s Gone written by Astra Taylor and published by Metropolitan Books. This book was released on 2019-05-07 with total page 219 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is democracy really? What do we mean when we use the term? And can it ever truly exist?Astra Taylor, hailed as a “New Civil Rights Leader” by the Los Angeles Times, provides surprising answers. There is no shortage of democracy, at least in name, and yet it is in crisis everywhere we look. From a cabal of plutocrats in the White House to gerrymandering and dark-money compaign contributions, it is clear that the principle of government by and for the people is not living up to its promise. The problems lie deeper than any one election cycle. As Astra Taylor demonstrates, real democracy—fully inclusive and completely egalitarian—has in fact never existed. In a tone that is both philosophical and anecdotal, weaving together history, theory, the stories of individuals, and interviews with such leading thinkers as Cornel West and Wendy Brown, Taylor invites us to reexamine the term. Is democracy a means or an end, a process or a set of desired outcomes? What if those outcomes, whatever they may be—peace, prosperity, equality, liberty, an engaged citizenry—can be achieved by non-democratic means? In what areas of life should democratic principles apply? If democracy means rule by the people, what does it mean to rule and who counts as the people? Democracy's inherent paradoxes often go unnamed and unrecognized. Exploring such questions, Democracy May Not Exist offers a better understanding of what is possible, what we want, why democracy is so hard to realize, and why it is worth striving for.

Download or read book Federal Student Loan Programs Data Book written by Donald Conner and published by . This book was released on 1997 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Student Loan Forgiveness Or Ten Years to Life written by Dane Spancake and published by . This book was released on 2016-07-28 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Repaying college loans can be so complicated it's been said that before graduating, students should be required to take a course on the subject. But many students end up researching their options without much help, and answers on how to eliminate debt are hard to come by--something that can be tremendously frustrating. Dane Spancake, a federal student loan counselor, helps you navigate the loan landscape with this guidebook. Learn how to: evaluate the positives and negatives of repayment schedule choices; weigh the pros and cons of income-driven repayment options versus alternative options; and determine if you qualify for loan forgiveness. You'll also learn how interest rates are determined, how annual payments are calculated, and the benefits of making consistent loan payments versus postponing repayment. Discover what you're up against when it comes to repaying college loans--and pick the strategy that makes the most sense for you with Student Loan Forgiveness or Ten Years to Life?

Download or read book Student Loan Secrets written by Elliott H. Stone and published by . This book was released on 2013-04 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Tick ... tick ... tick ... Are your student loans a ticking time bomb? Find out how to manage your student loans from Elliott H. Stone, managing attorney of the California Consumer Law Center. Want to learn what it takes to reduce your monthly student loan payments to under $5.00 per month? Check out Chapter 5. Interested in having your student loans completely forgiven after just 10 years? See Chapter 4. Need to know how to get your student loans out of default without going broke? Well that too is in the book... see Chapter 6. The student loan servicers won't tell you these secrets because they're paid on commission. The United States government wants to tell you about these secrets but they can't... they lack the budget to advertise these programs. According to the White House Office of the Press Secretary, more than 36 million Americans have federal student loan debt, but fewer than 450,000 participate in the secret programs described in Elliott H. Stone's book. Millions more may be eligible to reduce their monthly payments to an affordable amount based on income, family size and the type of job they hold. Veteran litigator, Elliott H. Stone, pulls back the covers on the student loan industry, and the myriad of government regulations, to show you all the secrets "they" don't want you to know about. Who are the "they" Elliott H. Stone refers to in his book? Read Chapter 2. Elliott H. Stone is known as the "student loan lawyer" because he knows student loan law and how to fight for his clients' rights when it comes to their student loans. In this book, Stone explains, in plain English, recent student loan trends, how student loans work, as well as the insider secrets to student loan discharge, cancellation, forgiveness and repayment. According to the United States Consumer Financial Protection Bureau, outstanding student loan debt has reached $1 trillion, a sum that is likely to increase with increasing tuition rates. Despite the growing problem of debt, many borrowers are simply unaware of their options and continue to struggle with, or ignore, their loans. As a result, Stone hopes to address some of the student loan issues that former students may be experiencing as a result of all this debt. As one of the leading student loan lawyers in California, Stone reveals some of the most well-kept secrets about student loans. Whether you are overwhelmed by high monthly payments or your loan is in default, this book has secrets that may be able to help. You don't need to feel trapped under your student loans anymore. So, if you are struggling with student loan debt and are looking for a few answers, get ready for some student loan secrets "they" don't want you to know about.

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