Project 3, Student Debt by Thanh Tran https://padlet.com/ttt70_/6vdk016br0i9dj3j en-us 2023-11-20 04:13:45 UTC 2023-11-21 05:06:27 UTC hello@padlet.com History of Student Debt ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2795831757

  • history of student debt of the years

  • how has it increased

    • social

    • economic

    • ]]>     2023-11-20 04:17:26 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2795831757     Effects of Student Debt ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2795831966

  • delayments of future goals

  • impacts people physically, emotionally, and mentally

  • socioeconomics impacts (specially low-income, minority grooups) of people with different backgrounds

    • ]]>     2023-11-20 04:17:41 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2795831966     Should there be more emphasis on the topic of student debt? ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797232322 yes, the cost of higher education is too high which results in excessive student debt

    ]]>     2023-11-21 02:58:43 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797232322     Accountability? (need to do more research on this) ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797234298

  • college accountability

    • government accountability

      • loan forgiveness

    ]]>     2023-11-21 03:00:12 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797234298     Rebuttal ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797331580

  • personal accountability for students to take charge of

  • education is an investment in one's future and career

  • cost of education becomes a reflection of academic achievement and success

    • the degree becomes a credential

  • inflation has affected the cost of education

    • universities' expenses require the high costs

    • ]]>     2023-11-21 04:30:08 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797331580     Higher education in other countries ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797341110

  • is college a privilege?

  • student debt compared to other countries

    • ]]>     2023-11-21 04:39:47 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797341110     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347399 History/Background

    • 1990s, student debt was not identified as a major problem

    • 2005, student debt begins to increase exponentially

    • 2014, students have become impacted and affected their future stability

    ]]>     2023-11-21 04:45:31 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347399     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347748 Changes (social)

    • expectations to have gain a college degree/gain higher education

    • "What college you are going to?"

    ]]>     2023-11-21 04:45:49 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347748     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347952 Changes (economic)

    • cost of living has increased so tuition fees increased

    • changed in the job market require specialized skills

    ]]>     2023-11-21 04:45:59 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797347952     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797352034 Delayment of future goals

    • travel

    • home ownership

    • marraige

    • savings (ex: retirement)

    ]]>     2023-11-21 04:49:30 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797352034     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797354206 physical, emotional, and mental stress

    • financial stress to pay off student debt

    • income is not enough to pay off debt in time/delays other life goals

    • financial stress an impact social life and mentality

    ]]>     2023-11-21 04:51:23 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797354206     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797356587 socioeconomics backgrounds

    • students and families of low-income families/minority groups affected they are not financially stable

    • creates a greater wealth gap as they cannot easily succeed

    ]]>     2023-11-21 04:53:28 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797356587     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797359192 is college a privilege?

    • "you don't have to go to college to succeed"

    • financial burden

    • academic inflation so higher education is required in order to appear qualified to the job market

    ]]>     2023-11-21 04:55:46 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797359192     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797360413 college accountability

    • colleges vary in the amount of financial aid that is given

    ]]>     2023-11-21 04:56:51 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797360413     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797361177 government accountability

    • loan forgiveness (controversial)

    • relief

    ]]>     2023-11-21 04:57:28 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797361177     ttt70_ https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797362438 college debt in other countries

    • Can vary due to differences in education system, gov policies, diff funding

    • Can be subsidized or free in other countries

    • Income-contingent repayment systems (loan repayment is based on an individual’s income)

    • Some countries prioritized investing in education to minimize financial burden on students

    ]]>     2023-11-21 04:58:33 UTC https://padlet.com/ttt70_/6vdk016br0i9dj3j/wish/2797362438