A research paper on the impact of college student debt on students' future and the economy in general.
Written in 2009; 2,309 words; 6 sources; APA; $ 71.95
Paper Summary:
This paper examines private lending practices of institutions that provide private funding for college expenses to students. The paper explores the impact of these loans on college students' standard of living, home ownership, income to debt ratios and other factors associated with repaying high-price student loans. The paper also provides a literature review that indicates that a solution for the rise of student loan private lender default rate should be addressed proactively so as to avoid a crisis in the student loan lender industry as has been witnessed in the mortgage industry recently. Rrecommendations for further research conclude the paper.
Outline:
Statement of the Problem
Purpose of the Study
Importance of the Study
Methodology
Literature Review
Summary and Conclusion
Recommendations for Research
From the Paper:
"For-profit student loan lenders are being compared to mortgage industry lenders in terms of the impacts that lending practices have had on the U.S. population. The reason for this is because these lenders have students locked into financing on student loans that will see large increases in payment amounts due to subprime lending tactics in the student loan industry. Students who accepted these loans in order to go to college will graduate and face seeking employment in an economy that appears to be in a major recession and likely to head into a depression in the near future. Impacts on these students include delaying homeownership due to some much of their income being spoken for by monthly student loan debt payments."
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