https://padlet.com/akjassar83/zy6s0wb0gqkovrnx Arshdeep kaur and Anmoljot singh en-us 2020-11-25 21:32:49 UTC 2020-11-29 00:54:09 UTC hello@padlet.com akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962341174 In this Padlet, you will be able to learn the concept of student debt loans in elaboration with interesting images, videos, and websites. For instance, you will be able to learn how to pay loans on time, what type of loans, benefits, and drawbacks of loans. I hope you will find this an interesting Padlet. ]]> 2020-11-26 04:24:13 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962341174 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962363759 Student debt is money owed on a loan that was taken out to pay for educational expenses by students. Rapidly rising college tuition costs have made student debt the only option to pay for college for many students. There is different law to take loans in every country. Various factors make students take debts. The most common is a decrease in the income premium of graduates compared to non-graduates.
I chose this website because it gives a detailed description of student debt, its history, statistics, and the difference in the laws to take a loan in different countries and it gives information about the political and social reactions happening in the country due to student debt. ]]> 2020-11-26 04:39:48 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962363759 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962391097 This website describes three specific detailed types of student loan debt. These types are federal loans, private loans, and refinance loans when student complete their studies from high school. Federal loans are safe as they use protections like the ability to tie payments to income when you graduate or get loans forgiven if you work in a public service field.
Moreover, banks, credit unions, and states make private loans and refinance loans. However, federal loans are issued by the government.
I select this website because it gives you thorough definitions of subtypes of three core loans. I think it is interesting information for you to read with full knowledge. ]]> 2020-11-26 04:57:36 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962391097 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962417706 Paying off a student loan is a big headache for students. Various methods can use to pay off loans. This website describes tips and tricks to pay off loans very fast and with time. Some of them pay more than the minimum amount, pay more than once per month, consider income-driven repayment plan, create a budget, and small goals to the setting. In this way, you remove the temptation to spend repayment funds. 
I choose this website because it takes off the stress from the shoulder of students. Moreover, it gives useful tips to pay off loans and get rid of the problems that arise due to the delay to pay off loans.]]> 2020-11-26 05:14:12 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962417706 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962448987 This website describes the advantages and disadvantages of student loans. Student debts help in affording the college expenses. Paying student loans build a credit score which is beneficial throughout life. These loans can also be used for other college expenses like textbooks and laptops along with tuition, room, and board. However, the cons are student loans are very expensive and failure in paying them off makes it impossible for students to get rid of them. Taking student loans also starts the after-college life in debt. Individuals must give up other financial goals until they pay the debt.
 I selected this website as it elaborates the advantages and disadvantages very well. These are realistic to student life.]]> 2020-11-26 05:34:36 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962448987 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962478878 In this video, the description is given that the student debt loan impacts the whole world economy. Moreover, the tuition of colleges and universities got to increase a lot as compared to previous times which is a big burden for students. The public schools increased debts as quite compared to last year. The student considers college is a massive scam that gets just the money and some think it is just because of the government.
 I select this video because I am a student as well and I understand that increasing the fee of college every year is a burden for students. That is why I choose this video to explain it.]]> 2020-11-26 05:53:04 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/962478878 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966492861 This video describes the Elizabeth Warren wants to cancel 95% of a student loan should be canceled. The idea is described that how much a student earns if the student in private, government college, and high school. Warren's words say that the tax might not be constitutional and the same wealth tax could be used to help pay for a whole and other progressive policy ideas. She wants to do is tax the wealthy to help the merely well off.
I choose this video because she is not at the side of successful people, she wants to upraise the rest of the people who are sufferings student debts. ]]> 2020-11-27 23:39:52 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966492861 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966509296 In this video, the Emory university quad has 1100 bag packs of students who attempt suicide due to the burden of excessive student debt every year. In this video, they raise awareness about the issue of mental health and the impact of college student suicide. We make them believe that they are not alone. We all are with them and they do not need to lose hope. To stop suicide, the community should talk more about mental illness as openly they conversate about physical illness. 
I choose this video because I think it gives you a theme of how a university goes through several suicides every year and parents loss their child. ]]> 2020-11-27 23:58:55 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966509296 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966634190 The video is about how would you pay your loans faster. The various methods are described in this video to pay loans faster. The first thing is you must know how much you owe, if you are unsure then contact the lenders. Secondly, you need to know how you can get the lowest interest rate possible. can also get some rate reduction from many lenders when you sign up for autopay. Moreover, refinancing gives you the flexibility to decide how you want to pay off your debts. The most crucial idea is to prepay to pay off your debts faster.
I selected this video as I think the lady described the ways in a
more convenient way.]]> 2020-11-28 03:05:02 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/966634190 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967612202 This image shows that the students get under the burden of student loans. One thing is always going in their mind is how to pay off their debts. That is why they do not concentrate on their study as well.]]> 2020-11-28 23:48:32 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967612202 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967616100 Some students deny continuing their study and some attempt suicide. When they start thinking about their education. They think that they need to pay a heap of debts that is why they get back off.]]> 2020-11-28 23:55:34 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967616100 akjassar83 https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967640397 2020-11-29 00:38:14 UTC https://padlet.com/akjassar83/zy6s0wb0gqkovrnx/wish/967640397