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"The crushing weight of student debt." Globe & Mail [Toronto, Canada], 7 July 2011, p. A17. Gale In Context: Global Issues, link.gale.com/apps/doc/A260760422/GIC?u=cobb90289&sid=bookmark-GIC&xid=1defabac. Accessed 1 Oct. 2024. 

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"The crushing weight of student debt." Globe & Mail [Toronto, Canada], 7 July 2011, p. A17. Gale In Context: Global Issues, link.gale.com/apps/doc/A260760422/GIC?u=cobb90289&sid=bookmark-GIC&xid=1defabac. Accessed 1 Oct. 2024. 

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Magnitude of Debt - As of 2023, student loan debt in the U.S. exceeds $1.7 trillion, affecting over 40 million borrowers. The average student loan debt per borrower is around $30,000, though some graduates, especially in fields like law and medicine, can owe significantly more. Many borrowers struggle to make monthly payments, leading to financial stress and delaying major life events like buying a home, starting a family, or saving for retirement. The burden of student debt can also affect mental health, with many borrowers experiencing anxiety and depression related to their financial situation. Interest Rates and Repayment. Student loans often come with high interest rates, which can make repayment challenging. Federal student loans have fixed interest rates, while private loans may have variable rates that can increase over time. Some borrowers may find themselves in a cycle of debt, where they take on additional loans to cover living expenses while repaying their initial loans.

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"Student Loan Program Tells a Success Story; Restore Deductibility." New York Times, 5 Jan. 1995. Gale In Context: Global Issues, link.gale.com/apps/doc/A155523400/GIC?u=cobb90289&sid=bookmark-GIC&xid=3b7e1e6c. Accessed 1 Oct. 2024.  

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"Student Loan Program Tells a Success Story; Restore Deductibility." New York Times, 5 Jan. 1995. Gale In Context: Global Issues, link.gale.com/apps/doc/A155523400/GIC?u=cobb90289&sid=bookmark-GIC&xid=3b7e1e6c. Accessed 1 Oct. 2024.  

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The theme of the article "Student Loan Program Tells a Success Story" centers around the positive outcomes of student loan programs, particularly how they enable individuals to pursue higher education and achieve significant career advancements. The purpose is to highlight success stories of borrowers who have effectively managed their student loans and used their education to improve their lives, countering the prevailing narrative of student debt solely as a burden. It also discusses various federal and state loan programs, including loan forgiveness initiatives, and emphasizes the importance of financial literacy in managing student debt. The narratives are supported by statistics that illustrate trends in student loan repayments and the economic impact of higher education.Intended Audience The intended audience for this article includes policymakers, educators, prospective students, and their families. It aims to inform individuals who may be hesitant about taking on student loans by showcasing real-life examples of success, as well as providing insights for policymakers on the importance of maintaining accessible student loan programs. By presenting relatable narratives, the article counters the stigma surrounding student loans, making a compelling case for their value. Explanation of How the Source Helps Define, Complicate, or Clarify the Topic This source helps to clarify the topic of student loans by illustrating the dual nature of the conversation surrounding them. While much focus is placed on the negative aspects of student debt, the article emphasizes that, when managed effectively, student loans can lead to significant personal and professional success. This balanced perspective complicates the narrative by providing a more nuanced view of the impact of student loans, suggesting that they can be a viable pathway to upward mobility.Explanation of Any Defect, Weakness, or Bias One weakness of the article is its potential bias toward emphasizing success stories without adequately addressing the broader systemic issues that lead to student debt, such as rising tuition costs and inadequate financial aid. Additionally, the article may not represent the experiences of all borrowers, particularly those who have struggled with repayments or defaulted on their loans. This one-sided portrayal could lead to an oversimplified understanding of the student loan landscape.Evaluation of Usefulness or Relevance to Research Topic The article is relevant to research on student loans as it provides valuable insights into the positive outcomes associated with borrowing for education. It offers concrete examples that can support arguments about the benefits of student loans when managed properly. However, researchers should also consider it alongside sources that discuss the challenges and pitfalls of student debt to ensure a comprehensive understanding of the topic.

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"Canada, it's time to address student debt." Spectator [Hamilton, Ontario], 1 Sept. 2022, p. NA. Gale In Context: Global Issues, link.gale.com/apps/doc/A715789455/GIC?u=cobb90289&sid=bookmark-GIC&xid=41b2b2fd. Accessed 3 Oct. 2024

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"Canada, it's time to address student debt." Spectator [Hamilton, Ontario], 1 Sept. 2022, p. NA. Gale In Context: Global Issues, link.gale.com/apps/doc/A715789455/GIC?u=cobb90289&sid=bookmark-GIC&xid=41b2b2fd. Accessed 3 Oct. 2024

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The elimination of all student loan debt is a necessary and justifiable policy that would alleviate financial burdens on millions of borrowers, promote economic equity, and stimulate national economic growth. By addressing the systemic issues of higher education financing, debt cancellation not only provides immediate relief but also paves the way for a more equitable and accessible education system in the future. Akers, Beth, and Matthew M. Chingos. "Game of Loans: The Racial and Financial Implications of Student Debt." Brookings Institution, 2016. - This report highlights the disproportionate effects of student loan debt on minority groups, particularly Black and Hispanic borrowers. Akers and Chingos argue that eliminating student loan debt could help close the racial wealth gap and promote economic opportunities for marginalized populations.

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Canada, it's time to address student debt.

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"The Number of Older Student Loan Borrowers Is Rising." New York Times, 12 Jan. 2017, p. NA(L). Gale In Context: Global Issues, link.gale.com/apps/doc/A477188469/GIC?u=cobb90289&sid=bookmark-GIC&xid=61eba4a3. Accessed 3 Oct. 2024.

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"The Number of Older Student Loan Borrowers Is Rising." New York Times, 12 Jan. 2017, p. NA(L). Gale In Context: Global Issues, link.gale.com/apps/doc/A477188469/GIC?u=cobb90289&sid=bookmark-GIC&xid=61eba4a3. Accessed 3 Oct. 2024.

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·         The authors contend that debt relief would yield broader economic benefits, making a compelling case for the need to eliminate student debt in pursuit of equity. Baker, Dean. "The Economic Case for Student Debt Cancellation." Center for Economic and Policy Research, 2021. - Baker presents a comprehensive economic analysis of the potential advantages of canceling student loan debt. He argues that doing so would increase consumer spending, facilitate homeownership, and enhance overall economic stability. The paper posits that the long-term economic benefits of debt relief would outweigh the costs associated with its cancellation, reinforcing the thesis that eliminating student loan debt is an economically sound decision.

Include counterarguments. ( Dynarski, Susan, and Judith Scott-Clayton. "The Federal Student Loan Program: A Policy Perspective." The Hamilton Project, 2013. - This paper provides an overview of the federal student loan program and the challenges faced by borrowers. Dynarski and Scott-Clayton discuss the potential consequences of widespread debt cancellation, emphasizing the need for systemic reforms in higher education financing to prevent future crises. Their insights support the thesis by advocating for comprehensive solutions that include debt cancellation as a pivotal component.The thesis statement is the most important part of your essay and should be the last sentence of your introduction paragraph. It summarizes your argument and what the reader can expect.

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The Number of Older Student Loan Borrowers Is Rising.