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States where Americans have the highest level for student loan debts

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States where Americans have the highest level for student loan debts

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Pennsylvania has a large number of colleges in the state, as of 2017, the average debt per borrower in Pennsylvania was $35,988 – a more than $12,100 increase over 2007.

Could student loans help people in today's society, or is the student loans destroying people's life by the high interest rate?

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Student loan debt has become a focal point in the American dialogue, as business leaders like JPMorgan CEO Jamie Dimon and a growing chorus of lawmakers voice concern about growing debt levels among Americans.

Outstanding student loan debt hit $1.46 trillion at the end of last year, according to data from the Federal Reserve Bank of New York, second only to mortgage debt as a share of Americans' total debt burdens.

According to data from Deutsche Bank Research, most people have balances between $10,000 and $25,000.

But averages in some areas of the country are much higher.

LendEDU analyzed data from 922 colleges and universities, including data from the graduating classes of 2007 through 2017, to find out where student debt burdens were the highest.
Here's a look at the results: Pennsylvania
As of 2017, the average debt per borrower in Pennsylvania was $35,988 - a more than $12,100 increase over 2007.

Pennsylvania has a large number of colleges in the state, which could account for its high ranking - at 72.

Washington & Jefferson College ranked sixth among the colleges with the most average debt per borrower in 2017 - with the average balance totaling $59,419.
Rhode Island
Following Pennsylvania, residents in Rhode Island had the second highest average student loan debt - at $35,371 per borrower as of 2017. That's an increase of nearly $11,000 per person over the decade ending in 2017.

Rhode Island only has 7 schools in the state, with Bryant University taking the seventh spot among colleges and universities where borrowers have the highest average debt burdens - at $52,949 per person.
Delaware
With one school in the state, Delaware residents had the third highest average debt per borrower, at $34,144.

That amount has nearly doubled since 2007, when it was $17,200 per person.
New Hampshire
The average debt per borrower in New Hampshire is $32,783 - ranking it third among all 50 states.

There are ten schools in the state.

The college where graduates have the most debt per person in the Granite State is Keene State College, where the burden as of 2017 was $40,195.
Minnesota
Borrowers in Minnesota are weighed down by an average student debt burden of about $32,499 per borrower.

Over the decade ending in 2017, those per person obligations rose more than $7,750, on average.

Minnesota has about 20 colleges.
CLICK HERE TO GET THE FOX BUSINESS APP Rounding out the top 10 were:
Alabama ($31,719 per person)

Connecticut ($31,602 per person)

South Dakota ($31,324 per person)

Michigan ($30,903 per person)

New York ($30,899 per person)

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States where Americans have highest levels of student loan debt

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Student loan debt has become a focal point in the American dialogue, as business leaders like JPMorgan CEO Jamie Dimon and a growing chorus of lawmakers voice concern about growing debt levels among Americans.

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China's president Xi used Game of Throne as reference to modern world 

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China's president Xi used Game of Throne as reference to modern world 

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“We must all make sure the world we live in does not descend into the chaotic warring seven kingdoms of Westeros," said Xi, referencing a fictional content in the show.

Would people react differently for Xi's reference?

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China's President Xi Jinping's pop culture references are on point.

The 65-year-old world leader used a storyline from the popular HBO series "Game of Thrones" to share a message with foreign visitors in Beijing over the weekend.

"We must all make sure the world we live in does not descend into the chaotic warring seven kingdoms of Westeros," said Xi, referencing a fictional content in the show, the South China Morning Post reported Sunday.

The fantasy series based on the George R.R. Martin novels drew a record 17.4 million viewers for its Season 8 premiere on April 14 - the largest streaming audience in HBO's history, according to Fortune. On average, "Game of Thrones" reportedly racked up 32.8 million watchers per episode during Season 7.

And apparently, Xi is included in that figure.

A Chinese official, who declined to provide his name, told the South China Morning Post that Xi and other foreign leaders watch a "diamond version" of the racy HBO show.

HBO's site is blocked in China but locals can still catch the (edited) action via HBO's Chinese partner, Tencent.

Censorship of the popular series has admittedly frustrated Chinese fans in recent years. Complaints flooded social media during the Season 8 premiere when Chinese viewers learned they were missing a whole six minutes of the 54-minute episode, per The Verge.

China's top economic official, Premier Li Keqiang, also understands the "Thrones" fandom.

Earlier this month, during the "16+1" summit in Dubrovnik, Li pointed out that the cast filmed in the city.

"From what I have heard, the historic and cultural city of Dubrovnik is the location of scenes in the show Game of Thrones, which young people from many countries love," explained Li, according to the South China Morning Post, which cited Croatian media.

"While it [the show] is reaching its end, the new round of 16+1 cooperation is beginning ... because this is not a 'game', but a reflection of win-win cooperation," he reportedly added.

Season 8 of "Game of Thrones" will come to an end on May 19. There are now three episodes left in the series.

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China's President Xi uses 'Game of Thrones' reference as warning to foreign leaders

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China's President Xi Jinping's pop culture references are on point. The 65-year-old world leader used a storyline from the popular HBO series "Game of Thrones" to share a message with foreign visitors in Beijing over the weekend.

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The global economy is suddenly looking strong

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The global economy is suddenly looking strong

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The result of the latest researches shows that the world's largest economies are in better shape.

Imagine the economy grow bad globally, what would happen to us to impact our daily lives?

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eurozone gdp: the global economy is suddenly looking stronger - cnn

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The global economy is suddenly looking stronger

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Economies at the heart of Europe are growing more quickly than expected, boosting hopes that a global slump has been avoided.

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Burger King's new product, the Impossible Whopper, used all plant-based patty of potato proteins and soy proteins that taste just like real beef, which would improve people's diet and balance on vegetables.

Would meat-lovers like the the new Impossible Whoppers at Burger King? Would the Impossible Whoppers change what people think about vegetarians?

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Burger King plans to roll out Impossible Whopper across the United States | CNN Business

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Burger King's test of a vegetarian version of its signature Whopper was such a success, the chain is planning to roll the Impossible Whopper out nationally this year.

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Chase CEO called student loans significant issue.

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Chase CEO called student loans significant issue.

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Student loan debt is now the second highest consumer debt category.

Could people pay off all of their student loans by any chances? How did they own the bank so much on student loans? Did they spend their money wisely when they were enrolling in colleges?

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JPMorgan Chairman and CEO Jamie Dimon weighed in on student loans, which he called "a significant issue."

Here's what you need to know - and how it can impact you.
Student Loans
When Dimon speaks, the financial world listens.

In his annual letter to JPMorgan shareholders, Dimon addressed multiple issues related to JPMorgan's business as well as his perspectives on the economy, including student loans.

"Irrational student lending, soaring college costs and the burden of student loans have become a significant issue," Dimon wrote in his annual letter. "The impact of student debt is now affecting mortgage credit and household formation - a $1,000 increase in student debt reduces subsequent homeownership rates by 1.8%. Recent research shows that the burdens of student debt are now starting to affect the economy."
Latest Student Loan Debt Statistics
The latest student loan debt statistics for 2019 show how serious the student loan debt crisis has become for borrowers across all demographics and age groups. There are more than 44 million borrowers who collectively owe $1.5 trillion in student loan debt in the U.S. alone. Student loan debt is now the second highest consumer debt category - behind only mortgage debt - and higher than both credit cards and auto loans. Borrowers in the Class of 2017, on average, owe $28,650.
Jamie Dimon: 4 Ideas To Help Alleviate Student Loan Debt
Dimon addressed four areas to improve student loans, which he believes "would lead to far better, and healthier, student lending":
1. "We should have programs to ameliorate the burden of student loans on some former students."
Analysis: Currently, borrowers with student loan debt have several primary options to repay student loans:

President Trump also has proposed a new student loan forgiveness program, which, among other proposals, calls for a simplified income-driven repayment program and earlier student loan forgiveness for undergraduate borrowers. Among the president's proposals, he supports ending the Public Service Loan Forgiveness program.
2. "We would be well-advised to have more properly designed underwriting standards around the creation of student loans."
Analysis: Currently, the federal government underwrites all federal student loans. Every borrower, regardless of credit profile, receives the same fixed interest rate. That means that a borrower with a 500 credit score and an 800 credit score receive the same interest rate when borrowing federal student loans. (A private lender would underwrite student loans differently to these borrowers - and these borrowers would receive different interest rates - based on the underlying financial risk, among other factors).

When borrowers receive the same interest rate, but have different credit and risk profiles, the default risk may be higher for the borrower with the weaker credit profile. This leaves the federal government potentially susceptible to student loan default, which is effectively borne by federal taxpayers.

Question: Will the federal government change its underwriting guidelines and practices?
3. Direct government lending to students has grown almost 500% over the last 10 years - and it has not all been responsible lending.
Analysis: In addition to the same interest rates to all borrowers, some have questioned the amount of federal student lending. As Dimon notes, direct government lending to students has grown almost 500% over the last 10 years. Prior to the Obama administration, banks and financial institutions could issue federal student loans. However, today all federal student loans are issued by the federal government, meaning that banks only issue private student loans.

Proponents of this notion argue that the more student loans issued by the federal government, the more potential for student loan default, which can cost taxpayers money. Opponents argue that expanded federal student lending helps creates more access to higher education, particularly for lower income borrowers.
4. It would also be helpful for the government to disclose student lending programs as if they were accountable on the same basis as a bank.
Analysis: Dimon calls for increased disclosures for government student lending programs on par with banks. This not only helps create transparency for consumers, but also holds the federal government accountable for its underwriting and lending operations.
Final Thoughts
While Washington debates the future of higher education and student loans, you still need to repay student loans.

The path to 'no more student loan debt' can be closer than you think. Evaluate the four primary options and choose the best path for you to pay off student loans faster.

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JPMorgan CEO Jamie Dimon Calls Student Loans 'Significant Issue'

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JPMorgan Chairman and CEO Jamie Dimon weighed in on student loans, which he called "a significant issue." Here's what you need to know - and how it can impact you. Student Loans When Dimon speaks, the financial world listens.

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Female chat-bots to raise the concerns of gender stereotyping.

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Female chat-bots to raise the concerns of gender stereotyping.

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At least three of Europe's biggest banks have female chat bots on their website and apps, they are empathetic and helpful and friendly.

Would people react to female chat bots differently than the male chat bots?

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Meet Amy. And also Debbie, Inga, Mia, Erica, Eva and Cora.

These aren't the members of a new, all-female rock group, but names that several large banks have been giving to their automated digital assistants.

So-called chatbots have become a useful cost-cutting tools for companies with large subscriber bases (think banks, insurance firms and mobile phone operators). As they replace human call-center workers, such bots will help save banks an estimated $7.3 billion in operational costs by 2023, Juniper Research predicts.

But the proliferation of bots with female names raises questions about whether they might also perpetuate gender stereotypes, particularly around the notion of women in the role of assistants. That criticism has already been levelled at Amazon's digital assistant Alexa and Apple's Siri.

Now a Forbes analysis of Europe's 10 biggest banks ranked by assets shows that at least three have deployed chatbots with female names on their websites and apps. HSBC has a chatbot named Amy; Deutsche Bank's Debbie helps market traders; ING of the Netherlands has Inga, a chatbot that will "respond with empathy" to customer problems such as losing a card.

ING's other chatbot Marie, available to retail customers on Facebook Messenger, was given the name "because it conjures up an image of someone who is helpful and friendly," Tim Daniels, a programme manager for ING was quoted as saying on the bank's website. (ING has a male chatbot named Bill, aimed at dealing with corporate customers.)

Among the other lenders, Santander, Barclays and Societe Generale appear to have unnamed chatbot assistants. Credit Agricole has an internal chatbot with a male name: Hector.

Female chatbots abound in other regions and industries. Bank of America recently deployed a digital assistant called Erica, while Mia, the chatbot released by Australian digital bank UBank, was described by the company earlier this month as " empathetic," "fun" and " a little bit cheeky."

IPSoft, a New York-based software company that sells chatbot technology to banks like Sweden's SEB as well as mobile network giant Vodafone, has its own white-label version of a customer-facing chatbot, named Amelia.

IPSoft's CEO Chetan Dube denied that the chatbot's name perpetuated stereotypes, when asked by Forbes during an interview in December, and said it instead highlights "the thought leadership that is represented in females."

"She was the first female aviator that tried to go around the world," Dube added, referring to the 1930's aviator Amelia Earhart.

Forbes revealed earlier this month that Vodafone was measuring the success of its chatbots on how many staff could be replaced by the software. While that may be an uncomfortable metric, the more worrying consequence of chatbots, according to four industry experts questioned by Forbes, is the risk that they could reinforce certain stereotypes.

"Gender bias is an increasingly serious issue in chatbot design, especially for voice-based chatbots," says John Taylor, CEO of action.ai, a British startup that makes chatbot software for banks and travel companies. "These assistants often perform tasks that many view as menial."

Vitor Shereiber, a language specialist at the German language-learning app Babbel, says that focus-group testing might lead companies to assign a gender to a chatbot on the notion that it makes customer feel more comfortable. But, he adds, bots could spread unrealistic expectations of how women should present themselves professionally, just as photoshopped pictures have done for women's perceptions of their bodies.

Part of the challenge for companies is finding a balance between automating customer service without putting customers off. PwC recently described chatbots as being able to "massively enhance customer delight and loyalty" because of their "personal touch."

Taylor suggests software designers should try creating more chatbots with male names and male voices.

On the sidelines of a technology conference in London on Wednesday, Seth Juarez, an artificial-intelligence engineer based in Redmond, Washington takes it a step further. He calls Siri up on is iPhone to ask the time, and a male voice responds. "I make it a guy specifically because I find it morally reprehensible that all of the service-based bots are female, and all the intelligence based bots [like IBM's Watson] are named after dudes."

He added that artificial intelligence generally shouldn't be anthropomorphised. Chatbots should be used to manage "cheap thoughts," or "stuff that a human would do robotically" rather than on more complex issues. "I would leave those problems to humans."

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Banks Are Promoting 'Female' Chatbots To Help Customers, Raising Concerns Of Stereotyping

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Meet Amy. And also Debbie, Inga, Mia, Erica, Eva and Cora. These aren't the members of a new, all-female rock group, but names that several large banks have been giving to their automated digital assistants. So-called chatbots have become a useful cost-cutting tools for companies with large subscriber bases (think banks, insurance firms and mobile phone operators).