Condemning Students to Debt: College Loans and Public Policy by Richard Fossey, Mark Bateman

By Richard Fossey, Mark Bateman

This quantity seems to be on the monetary shift from scholar supplies and scholarships to scholar loans, discussing the intense and starting to be burden this has put on America's decrease- and middle-class scholars and their households. It issues to the indicators that this shift might be pushing the price of the yank dream out of achieve for lots of girls and minority scholars and making schooling a dangerously dicy funding.

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Governmental funding for higher education has not kept up with these rising costs. Lagging economies in some regions and the increasing costs of other social services have forced state governments to cut back on financial support for public colleges and universities. The federal government has shifted its financial support for higher education away from grants for needy students and toward federally guaranteed student loans. As governmental support declines, students and their families are paying more and more of the total cost of higher education.

The courts' harsh treatment of student loan defaulters is based on the notion that these people are acting in bad faith. Subsequent to obtaining a valuable education, the popular sentiment seems to be, it is disreputable to use the bankruptcy courts as a means of reneging on a lawful obligation. However, as Fossey argues in Chapter 10, the popular view of loan defaulters as scheming scofflaws is incorrect. On the contrary, many loan defaulters are in serious financial difficulties, often brought on by unemployment, illness, or divorce.

Lagging economies in some regions and the increasing costs of other social services have forced state governments to cut back on financial support for public colleges and universities. The federal government has shifted its financial support for higher education away from grants for needy students and toward federally guaranteed student loans. As governmental support declines, students and their families are paying more and more of the total cost of higher education. And since few families have the discretionary income to pay tuition costs as they come due, they have financed the cost of higher education with federally guaranteed student loans.

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