LSD 3 | Project by Rosanna van Geemen (student) https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp Student debt en-us 2021-12-15 20:26:02 UTC 2025-11-10 13:51:47 UTC hello@padlet.com https://padlet.net/icons/png/1f4b8.png Article 1 | Rosanna rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/1951474767 "Here's what you should know about student debt"

Student loans are in the news again. This is due to the new government plans. These plans state that people who start college next must pay off their loans within 40 years after graduation. The government says that expanding the repayment period is to reduce bills for taxpayers. The refund is calculated based on the income level.

At this moment loans are written off after 30 years. There is also an interest that will be added to your loan, which is between 1.5% and 4.5%. It's unlikely you'll pay it all back, but just having that amount of debt hanging over your head could be pretty disheartening.

There is a big difference between a student loan from the government and anyone else. Any money you owe is wiped after 30 years and next year that will be after 40 years. How much you pay back depends on how much you earn. It doesn't impact your credit score and your house and belongings won't get repossessed if you don't keep up the repayments.

The rest of the article is not necessary for my topic. But if you want to read it, go for it!]]> 2021-12-16 11:13:12 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/1951474767 Recording 1 | Rosanna rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2040000295 "How soon can student debt be cancelled in the U.S.?"

Borrowing money gives more students the ability to access higher education.

We have now painted a picture of the American Dream containing the white picket fence and also a diploma hanging on the wall.

Seth Frotman thinks that they're in this mess because of failed public policy. The amount of money owed by student borrowers grows to be more than $1.7 trillion. Student debt cancellation is an investment in the people.

Student loan borrowers struggle to save for retirement, to have emergency savings, to buy houses, to start small businesses.

A lot of the increase in student debt over the last decades can be attributed to the rising costs of college. It takes borrowers an average of over 20 years to pay off their student debt. One of the biggest problems is students who took out loans but failed to get a degree.

There are a lot of people who start college and do not finish it. But they're taking out loans to do that. The whole point of borrowing is to invest in yourself. If you don't finish your degree, you're really in trouble.

Opinions on student debt cancellation are very different. For the students, the following statement is the best solution. Student debt cancellation for every student borrower, regardless of income. 

President Biden is in favour of cancelling up to $10,000 in student debt for borrowers, but his administration hasn't yet acted on that plan. 

Throwing down the costs of education has its pros and cons. It is nicer for the students because the gap between the costs and the student loan becomes smaller. But if schools earn less, the quality of education also decreases.]]> 2022-02-10 11:13:49 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2040000295 Recording 2 | Ayla aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2061343465  
President Obama wanted to give America two free years of community college. 
According tot the white house, higher education is the best way to climb the social economic ladder. People from low incomes can break into the middle class. Crowing the middle class is a way of fixing the economy.  
 
Obama wants to lower our average student debts, so that college grads have more spending power. There are already some countries that offer free or lower cost education. 
In those places the unemployment rates are low. There are available model options to use for the US. 
 
Children of the higher educated experience better health, cognitive abilities, academic achievements and lower changes of poverty.
]]> 2022-02-22 20:20:41 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2061343465 Should we cancel student debt completely rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069822460 2022-02-28 16:26:50 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069822460 Should your student debt be a gift after graduation rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069824107 2022-02-28 16:27:38 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069824107 Does less money for schools mean less quality of education rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069826935 2022-02-28 16:29:02 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069826935 Which system is better U.S or The Netherlands, based on student debt rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069830912 2022-02-28 16:30:57 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069830912 The student debt system is better in U.K. then in The Netherlands rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069832987 2022-02-28 16:31:56 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2069832987 Worksheet 1 aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2071370577 1. What do you think of the current debt system in the Netherlands?

2. Do you think your student debt affects the rest of your life?

read the articles and watch the video

3. Did your opinion change after all the sources?

4. What do you think is "the best system" of student debt?

5. Discuss the statements.]]> 2022-03-01 12:48:18 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2071370577 Pitch | Rosanna rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098850860 I wasn't able to put it in the Padlet as a file. So I put it on YouTube and it is private. You can watch it via this link. 

If it doesn't work, you can copy this link: https://youtu.be/1K34JSAw1gw ]]> 2022-03-16 21:36:28 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098850860 Assessment Sheet | Rosanna rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098851479 You can send the feedback to s1160660@student.windesheim.nl ]]> 2022-03-16 21:37:15 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098851479 Worksheet | Rosanna rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098851884 Don't start with reading the summaries yet. Let's think about education in the U.S.

1. What do you know about the education system and the costs of education in the U.S.?

2. Is there a difference between the U.S and The Netherlands?

3. Do you think that the government of the U.S. can solve the student debt problems?

Let's read the summaries and if you like them, you can read the article and watch the film as well. After you finished reading the summaries you look at your answers to the first 3 questions. 

4. Have you learned new things about the education system and the costs of education in the U.S? Explain it.

5. Which education system do you prefer the most? The U.S of The Netherlands? Explain why.

6. If you were the person who could solve this problem in the U.S. what would you do and why? ]]> 2022-03-16 21:37:37 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098851884 Is there a solution to the student loan debt? rosannavangeemen2 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098861277 2022-03-16 21:48:43 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2098861277 Article 1 | Ayla aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2175761956 Education should be free, because only then, it is available for everyone. Even in the most developed countries not everyone can afford education. Also, there are all sorts of indirect costs that make it even more expensive, such as uniforms, books and transportation.
 
Benefits of free education:
·  Everyone is able to get it, meaning same opportunities for everyone.
·  A country benefits from free education because it provides improvement for the common population.
·  People can improve themselves. 
 
 Negative parts: 
·  Increase of appliance but also increase of enrolls. 
·  Not enough quality. 
]]> 2022-05-09 14:00:26 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2175761956 Student debt should be paid back after graduating aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2175807729 2022-05-09 14:24:54 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2175807729 Free education is better for the economy. aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177453131 2022-05-10 11:55:44 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177453131 In The Netherlands you pay way less than in the US. Knowing that, do you think our system is actually allright? aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177457443 2022-05-10 11:58:58 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177457443 Paying for your education makes you more motivated. aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177458683 2022-05-10 11:59:53 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2177458683 Expensive schools provide better education. aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2179172662 2022-05-11 10:16:09 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2179172662 The Dutch School fee is cheap. aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2179175181 2022-05-11 10:18:31 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2179175181 Pitch | Ayla aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2220736503 2022-06-14 12:28:07 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2220736503 Assessment Sheet | Ayla aylazwiers111 https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2220746033 You can sent feedback to my schoolmail. Thank you!]]> 2022-06-14 12:38:00 UTC https://padlet.com/rosannavangeemen2/5snsrsou98dicvsp/wish/2220746033