Exploration of Legal and Ethical Principles for Student Service Professionals by Kristina Every https://padlet.com/kevery/34swrrz4h054 Kristina Every-EDG 6305 en-us 2018-10-22 13:47:12 UTC 2018-10-26 21:08:31 UTC hello@padlet.com My Professional Perspective kevery https://padlet.com/kevery/34swrrz4h054/wish/296642667 Upon completion Of my Master of Education in Student Development and Leadership, my hope is to become a dean in a student services area and eventually become a vice-president for the Dallas County Community College District.]]> 2018-10-24 18:58:36 UTC https://padlet.com/kevery/34swrrz4h054/wish/296642667 Gender Equality kevery https://padlet.com/kevery/34swrrz4h054/wish/296642967 The article I chose to write about highlights a proposed policy change by the Trump administration regarding gender under Title IX.  If the policy is passed, people will be forced to identify as the gender assigned to them at birth.  Students will no longer be able to choose their preferred gender for restroom and dorm usage, which was implemented during the Obama.  The policy will not only affect the Department of Education, but also Labor, Health and Hospitals and Justice.

]]> 2018-10-24 18:59:13 UTC https://padlet.com/kevery/34swrrz4h054/wish/296642967 Loan Forgiveness kevery https://padlet.com/kevery/34swrrz4h054/wish/296658022 Public Service Loan Forgiveness is a program that allows public servants to make 120 payments on their loans then have the balance forgiven.  Of the people that applied from 2017 and June 2018, on .34% were approved to participate in the program.  Nine educators have filed a lawsuit against Navient.  The lawsuit claims that Navient misled clients "for the company's financial gain".  The lawsuit, supported by the American Federation of Teachers, also feels the DOE is not doing anything to stop Navient from such practices even though they contracted the loan service company.]]> 2018-10-24 19:30:11 UTC https://padlet.com/kevery/34swrrz4h054/wish/296658022 Student Debt kevery https://padlet.com/kevery/34swrrz4h054/wish/296668523 I chose the article about loan forgiveness because I think the majority of students in this course can relate to the daunting thought of loan repayment.  It had never occurred to me that a company that makes so much money would try to defraud those they are supposed to be helping.]]> 2018-10-24 19:57:17 UTC https://padlet.com/kevery/34swrrz4h054/wish/296668523 IDR kevery https://padlet.com/kevery/34swrrz4h054/wish/296672489 Under the Obama administration income-driven repayment (IDR) came to be.  IDR capped the amount of loan repayment at 10% of your income.  The article warns debtors of the hidden dangers of forgiveness programs (Brooks, 2018).]]> 2018-10-24 20:06:53 UTC https://padlet.com/kevery/34swrrz4h054/wish/296672489 References kevery https://padlet.com/kevery/34swrrz4h054/wish/296676417 Brooks, J. R. (2018).  The case for more debt:  Expanding college affordability by expanding income-driven repayment.  Utah Law Review, 2018(4), 847-865.

Frontman, S.  (2018).  Broken promises:  How debt-financed higher education rewrote America’s social contract and fueled a quiet crisis.  Utah Law Review, 2018(4), 811-846.

Nagle, C. (2018, October 24).  6 tips to make extra student loan payments correctly.  U.S. News & World Report.  Retrieved from https://www.usnews.com/education/blogs/student-loan-ranger/articles/2018-10-24/6-tips-to-make-extra-student-loan-payments-correctly.

Swanson, L. E.  (2018).  Student loan class actions take aim at "a massive effort to defraud student debtors".  Business Torts Journal, 25(2), 7-10

]]> 2018-10-24 20:17:07 UTC https://padlet.com/kevery/34swrrz4h054/wish/296676417 Tips for Repayment kevery https://padlet.com/kevery/34swrrz4h054/wish/296678715 U. S. News and World Reports gives students such as myself six tips in conquer student loan debt:
1) Make payments on interest while still in college.
2)  Figure out a strategy for which loans you will pay off first.
3)  Calculate the largest amount you can afford to pay each month.
4)  Make payments before the due date.
5)Make extra payments after the regular payment is due when possible.
6)  Find out where you money is going.  Most of you payment will go to interest.  You may want to pay off the loans that have the highest interest rates first.]]> 2018-10-24 20:23:35 UTC https://padlet.com/kevery/34swrrz4h054/wish/296678715 kevery https://padlet.com/kevery/34swrrz4h054/wish/297566184 Americans owe more than $1.5 trillion in student loan debt (Frotman, 2018).  In this class alone, I would be willing to bet that we owe hundreds of thousands in loan debt.  In the article I found regarding the Navient lawsuit, I was shocked to realize the government had not stepped in on behalf of borrowers.  I think that the Department of Education should either heavily penalize Navient or simply end their contract.  Eight million borrowers are in default (Frotman, 2018) right now, after reading that article, I question how many are there in error.
Loan debt can affects us throughout our lives.  Missed payments affect the likelihood of buying a home, starting a business and saving for retirement (Frotman, 2018).  After further research, I discovered another lawsuit against Navient that stemmed from 2014.  This lawsuit claims that Navient misused 11 U. S. C. § 523(a)(8), which allows students to discharge student loans in bankruptcy (Swanson, 2018).
Repaying student loans is something we all think about and I am sure our students think about it as well.  Working with marginalized populations, I know that many students shy away from higher education because of the daunting thought of loan repayment.  At my institution, there are several courses that all students are required to take regardless of program of study, none of which have a significant impact on development.  I would like to eventually see students be required to take a financial literacy course as a part of core curriculum.  As an undergraduate student in Louisiana, it was a requirement for my graduation.  Making money is not the problem, learning how to make it grow is where they lack knowledge.

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