the student loan scam the most oppressive debt in u s history and how we can fight back

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The Student Loan Scam

Author : Alan Collinge
ISBN : 0807042293
Genre : Business & Economics
File Size : 83. 16 MB
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The founder of StudentLoanJustice.org examines the student loan industry, exposing the predatory tactics used by lenders, the lack of protection for borrowers, and the need for progressive changes in the industry.

The Student Loan Scam

Author : Alan Collinge
ISBN : 9780807096727
Genre : Education
File Size : 28. 10 MB
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The Student Loan Scam is an exposé of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt. High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt. Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions. The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who caused it to happen. Ultimately, Collinge argues for the return of standard consumer protections for student loans, among other pragmatic solutions, in this clarion call for social action.

The Student Loan Scam

Author : Alan Collinge
ISBN : 0807042315
Genre : Business & Economics
File Size : 56. 3 MB
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An in-depth exploration and exposé of the predatory nature of the student-loan industry An Indie Next Notable Title Named one of CNN Money’s 2008 financial heroes, Alan Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. In an unprecedented analysis of this $85-billion industry, Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at students’ expense, and includes stories from people whose lives have been shattered as a result.

The Student Loan Mess

Author : Joel Best
ISBN : 9780520958449
Genre : Social Science
File Size : 74. 19 MB
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This illuminating investigation uncovers the full dimensions of the student loan disaster. A father and son team—one a best-selling sociologist, the other a former banker and current quantitative researcher—probes how we’ve reached the point at which student loan debt—now exceeding $1 trillion and predicted to reach $2 trillion by 2020—threatens to become the sequel to the mortgage meltdown. In spite of their good intentions, Americans have allowed concerns about deadbeat students, crushing debt, exploitative for-profit colleges, and changing attitudes about the purpose of college education to blind them to a growing crisis. With college costs climbing faster than the cost of living, how can access to higher education remain a central part of the American dream? With more than half of college students carrying an average debt of $27,000 at graduation, what are the prospects for young adults in the current economy? Examining how we’ve arrived at and how we might extricate ourselves from this grave social problem, The Student Loan Mess is a must-read for everyone concerned about the future of American education. Hard facts about the student loan crisis: • Student loan debt is rising by more than $100 billion every year. • Among recent college students who are supposed to be repaying their loans, more than a third are delinquent. • Because student loans cannot be discharged through bankruptcy, the federal government misleadingly treats student loan debt as a government asset. • Higher default rates, spiraling college costs, and proposals for more generous terms for student borrowers make it increasingly likely that student loan policies will eventually cost taxpayers hundreds of billions of dollars.

Bankrupt Your Student Loans And Other Discharge Strategies

Author : Chuck Stewart
ISBN : 9781425928551
Genre : Music
File Size : 84. 5 MB
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Despite the proliferation of computer indicators, the professional trader recognizes that success in trading still depends on a person's ability to read, anticipate and react to market movement. But how do you define something that can change more often then the weather? The answer is to use the geometry of the market itself. Channel Surfing presents one of the most definitive methods for establishing the geometry of any market, enabling a person to exploit the bias between buyers and sellers. Price rarely moves in a straight line and so channels provide the ultimate momentum indicator, outperforming many of the most popular indicators in use today. The beauty of it is that it doesn't require you to suffer through large draw downs in order to realize a profit. In fact, it is so effective that it is probably the very best approach for beginning traders and those with very little capital. So just imagine what an experienced and well-funded trader can do with it! As you read this book you can expect to discover and learn: The basic concepts of Channel Surfing, presented in a way that is easy to understand and easy to apply. Why channels are a natural phenomenon and how to take full advantage of this. How to take the basic concepts of Channel Surfing and catapult it into an even more powerful method of trading using advanced techniques. Additional methods of reading the geometry of the market that add to your success. For both novice and professional traders alike Channel Surfing provides a solid foundation for understanding the language of the markets. It is an exceptionally powerful technique that has the ability to adapt to the personal trading style of the individual trader and dramatically improve their success.

Higher Education In America

Author : Derek Bok
ISBN : 9781400866120
Genre : Education
File Size : 52. 46 MB
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Higher Education in America is a landmark work--a comprehensive and authoritative analysis of the current condition of our colleges and universities from former Harvard president Derek Bok, one of the nation's most respected education experts. Sweepingly ambitious in scope, this is a deeply informed and balanced assessment of the many strengths as well as the weaknesses of American higher education today. At a time when colleges and universities have never been more important to the lives and opportunities of students or to the progress and prosperity of the nation, Bok provides a thorough examination of the entire system, public and private, from community colleges and small liberal arts colleges to great universities with their research programs and their medical, law, and business schools. Drawing on the most reliable studies and data, he determines which criticisms of higher education are unfounded or exaggerated, which are issues of genuine concern, and what can be done to improve matters. Some of the subjects considered are long-standing, such as debates over the undergraduate curriculum and concerns over rising college costs. Others are more recent, such as the rise of for-profit institutions and massive open online courses (MOOCs). Additional topics include the quality of undergraduate education, the stagnating levels of college graduation, the problems of university governance, the strengths and weaknesses of graduate and professional education, the environment for research, and the benefits and drawbacks of the pervasive competition among American colleges and universities. Offering a rare survey and evaluation of American higher education as a whole, this book provides a solid basis for a fresh public discussion about what the system is doing right, what it needs to do better, and how the next quarter century could be made a period of progress rather than decline.

Neoliberalism S War On Higher Education

Author : Henry A. Giroux
ISBN : 9781608463503
Genre : Education
File Size : 29. 54 MB
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Neoliberalism’s War on Higher Education reveals how neoliberal policies, practices, and modes of material and symbolic violence have radically reshaped the mission and practice of higher education, short-changing a generation of young people. Giroux exposes the corporate forces at play and charts a clear-minded and inspired course of action out of the shadows of market-driven education policy. Championing the youth around the globe who have dared to resist the bartering of their future, he calls upon public intellectuals—as well as all people concer ned about the future of democracy—to speak out and defend the university as a site of critical learning and democratic promise.

Game Of Loans

Author : Beth Akers
ISBN : 9781400883271
Genre : Education
File Size : 41. 3 MB
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College tuition and student debt levels have been rising at an alarming pace for at least two decades. These trends, coupled with an economy weakened by a major recession, have raised serious questions about whether we are headed for a major crisis, with borrowers defaulting on their loans in unprecedented numbers and taxpayers being forced to foot the bill. Game of Loans draws on new evidence to explain why such fears are misplaced—and how the popular myth of a looming crisis has obscured the real problems facing student lending in America. Bringing needed clarity to an issue that concerns all of us, Beth Akers and Matthew Chingos cut through the sensationalism and misleading rhetoric to make the compelling case that college remains a good investment for most students. They show how, in fact, typical borrowers face affordable debt burdens, and argue that the truly serious cases of financial hardship portrayed in the media are less common than the popular narrative would have us believe. But there are more troubling problems with student loans that don't receive the same attention. They include high rates of avoidable defaults by students who take on loans but don’t finish college—the riskiest segment of borrowers—and a dysfunctional market where competition among colleges drives tuition costs up instead of down. Persuasive and compelling, Game of Loans moves beyond the emotionally charged and politicized talk surrounding student debt, and offers a set of sensible policy proposals that can solve the real problems in student lending.

Student Loan Debt 101

Author : Adam Minsky
ISBN : 1502301822
Genre : Business & Economics
File Size : 90. 41 MB
Format : PDF
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In 2013, student loan debt in the US passed $1 trillion. That's more than our total amount of credit card debt and automobile debt. Graduates are starting out with poor employment prospects, obscene levels of debt, and few tools to help. Adam S. Minsky is a leading expert in student loan debt. He is renowned as a pioneer in student loan law as the founder of one of the first law firms in the country devoted entirely to helping student borrowers. With few resources available for student borrowers navigating byzantine repayment systems, he wrote this book as a practical, easy-to-read guide for managing your student debt. Whether your loans are federal or private, in good standing or in default, this guide identifies your options and helps you determine the best way forward.

Student Loan Secrets

Author : Elliott H. Stone
ISBN : 061569196X
Genre :
File Size : 82. 68 MB
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Tick ... tick ... tick ... Are your student loans a ticking time bomb? Find out how to manage your student loans from Elliott H. Stone, managing attorney of the California Consumer Law Center. Want to learn what it takes to reduce your monthly student loan payments to under $5.00 per month? Check out Chapter 5. Interested in having your student loans completely forgiven after just 10 years? See Chapter 4. Need to know how to get your student loans out of default without going broke? Well that too is in the book... see Chapter 6. The student loan servicers won't tell you these secrets because they're paid on commission. The United States government wants to tell you about these secrets but they can't... they lack the budget to advertise these programs. According to the White House Office of the Press Secretary, more than 36 million Americans have federal student loan debt, but fewer than 450,000 participate in the secret programs described in Elliott H. Stone's book. Millions more may be eligible to reduce their monthly payments to an affordable amount based on income, family size and the type of job they hold. Veteran litigator, Elliott H. Stone, pulls back the covers on the student loan industry, and the myriad of government regulations, to show you all the secrets "they" don't want you to know about. Who are the "they" Elliott H. Stone refers to in his book? Read Chapter 2. Elliott H. Stone is known as the "student loan lawyer" because he knows student loan law and how to fight for his clients' rights when it comes to their student loans. In this book, Stone explains, in plain English, recent student loan trends, how student loans work, as well as the insider secrets to student loan discharge, cancellation, forgiveness and repayment. According to the United States Consumer Financial Protection Bureau, outstanding student loan debt has reached $1 trillion, a sum that is likely to increase with increasing tuition rates. Despite the growing problem of debt, many borrowers are simply unaware of their options and continue to struggle with, or ignore, their loans. As a result, Stone hopes to address some of the student loan issues that former students may be experiencing as a result of all this debt. As one of the leading student loan lawyers in California, Stone reveals some of the most well-kept secrets about student loans. Whether you are overwhelmed by high monthly payments or your loan is in default, this book has secrets that may be able to help. You don't need to feel trapped under your student loans anymore. So, if you are struggling with student loan debt and are looking for a few answers, get ready for some student loan secrets "they" don't want you to know about.

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