QFT Questions P. 2 by Miguel Sanchez

Jack,Natalia,Sami,Zion

zshowell1 — 2025-10-09 16:24:10 UTC

Jack,Natalia,Sami,Zion

zshowell1 — 2025-10-09 16:26:41 UTC

What jobs did the students have after they graduate and does the amount of debt differ based on their work field? (If the job that students enter after graduation don’t pay well, the timeline of paying back their debt will be different than other students.)
What is the rate of first gen and non first gen students in this study? (First gen students may not know the other options that they have. If no one is educating them on their options they will believe that they have to take out a student loan.)
What can I do to cut down the debt? (This is an important question because anyway to save yourself from owing money is important and save a lot of stress. Better to find out now then the hard way.)

Josh, Mariana, Camille,Julian

jquintino11 — 2025-10-09 16:27:19 UTC

Julianna, Jospeh, and Gavin

jjones1420 — 2025-10-09 16:28:28 UTC

Is interest rates the reason people 62+ are still paying off student loans?
Is the highest demographic of people with student loans out of 4 year college?
Does interest affect how much you owe in the future?

1. Many older borrowers took out loans decades ago, and even smaller balances can grow large over time due to compounding interest.

2. Borrowers who attend four-year colleges often take on more debt than those who attend community colleges or trade schools, since tuition is higher.

Interest is the extra cost added to the original loan amount (the principal). If you don’t pay down the principal quickly, the interest keeps adding up, and sometimes interest itself can get added to the principal (capitalization).

Aubrey, Lea, Ava

avillasenor41 — 2025-10-09 16:29:03 UTC

Amarys, Deagan, Leo

acardenas111 — 2025-10-09 16:29:15 UTC

1. What are the differences between Federal and Private Loans? Understanding these differences helps students helps students borrow wisely, save money, and manage repayment more easily.

2.Why do people aged 35-49 have the most debt?It is important to know why people who are aged 35-49 have the most amount of debt.

3. Why do so many students take out loans, knowing nationally many people are in thousands of dollars in debt?It is important to understand why students decide to take out student loans and consider if you should take out loans for your education.

Alexis, Jose, Salvador, Rome

abocanegra14 — 2025-10-09 16:29:18 UTC

1.What is the predicted student loan debt for upcoming years? And why?

(So we can see what the predicted student loans are going to be in the future and if its higher why is it higher and if its lower, why is it lowering what are we doing to get student loan lower?)
2. What Is the different average student loan debt for UC and CSU? Open

(For people who are choosing a UC and CSU they should know the average student loan debt they will get in to help decide what college they will pick if money is a problem for you )
3. What is the race/ethnicity with the largest debt?

(To see the averages between debts and races/ethnicities. To also show the difference in advising and knowledge on college and loans. )

Niko, Anna, Juan, Matthew

nnanez1 — 2025-10-09 16:29:51 UTC

Kalea, Natalia Q, Aaron, Andre

kperalta32 — 2025-10-09 16:31:18 UTC

1. Why do ages 35-49 have significantly more amount of debt than every other age group?

We chose this question because that age group was in the middle of them all and had the most debt, and we want to know why they had the most.

With college tuition going up, why does the youngest age group owe the least?
- We chose this because it's important to know what the younger generation is doing differently, causing them to owe less
Why did the average tuition cost rise from $12,615 to $14,307 from 2011-2012 to 2021-2022?
- We chose this question because we wondered what was the main cause of this change.

Lea Tapia

ltapia7 — 2025-10-09 16:31:46 UTC

Why are older people less likely to borrow?
This is our top reason: we want to understand why age makes a difference in paying the same student loans compared to a younger person.
What are the reasons why so many people are borrowing money?

This is our number 2 because knowing the reasons for needing to borrow money, can help us avoid them so we don’t end up in debt forever.

How much will the american student loan debt go up by the 4th quarter
This is our third reason: we want to know the total cost for the entire year

Isabella,Natalia,Sadie,Emily,Diego

icabrera31 — 2025-10-09 16:36:32 UTC

1.How does the amount of private student loan debt compare to federal student loan debt?

We wanted to understand the differences between federal and private loans, as well as the advantages and disadvantages of each

2.What factors might explain why the number of Americans with student loan debt continues to increase each year?

We chose this question because we are curious why student loans increase each year and why it keeps happening every year.

3. What is the average loan amount in the 2024-2025 school year?

We chose this one because it can be very helpful for us ,because we will be going to college soon and should know how much the loan amount has risen or will rise in the future?