Research Proposal – Unit II

Evaluating the Federal Student Loan Debt in Regards to the Status Quo of the United States Economy

Geoffrey J. Wynn, MBA

Columbia Southern University

DBA 7240-09B-2B11-S1 Doctoral Writing and Inquiry Into Research

Evaluating the Federal Student Loan Debt in Regards to the Status Quo of the United States Economy

Introduction

In conducting research of the concept of student loan debt it was evident that there were

concerns at all fiscal levels about the growing usage of students in conjunction with the stagnant

economy. The student loan program is always under review for consistency and being relative of

an individual's or family's financial need. The United States government created the program to

boost the higher learning apparatus of citizens in need of training and/or re-training to keep up

with an ever changing workplace. The research divulges many opportunities to create a better

understanding on how the market economy supports government subsidized programs.

The media perception has always seemed to be in favor of the educating society through

the legislative actions of the United States government. In other words it has been assumed that the

taxpayers could foot the bill so to speak so that others may be able to reach the goal of being

educated adequately enough to find suitable work. In looking into the individual employment it

needs to be taken into account that the level of education you receive is on par with the approximate

amount one can expect to earn monetarily. Collinge (2010) stated that “families need to educate

themselves” when it comes to understanding the student loan process. Far too often people look to the

government for assistance without initially looking into the details of the program like student loans.

What this brings together is