...heard that debt is something everyone has and that it’s okay for you to have it too? Well, this is certainly not the case. Just because everyone else has student loan debt, doesn’t mean that you are required to make high payments every month for the next decade. Many students believe that student loans are necessary in order to attend college, but they really aren’t. Student loans can cause you a lot of trouble in the future, such as massive amounts of debt, and the fact that student loans are debt, and debt is not good. Like any form of debt, student loan debt can pile up high very quickly and can cause many problems in your future. There are so many stories out there about people who have not been able to afford paying both their grocery/utility bills and their student loan payments....
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...billion in student loans in 2013. The government made more profit than Google did last year. This amount of money was only from student loans. Consequently, students have to decide between their loans or their diploma. Low-income students have trouble paying back student loans because colleges can be expensive and students are attacked by for-profit colleges and students are pressured about their type of education. Low-income students are attacked by for-profit colleges and have been forced to carry the burdens of debt while dealing with low-moderate incomes and the pressure of not pursuing a higher education. For-profit colleges are established or operated with the intention of making a profit. “...nearly one-fourth of students from for-profit colleges default on their loans within three years of leaving school, most without a degree” (Cauchon). For-profit colleges are unfair in their approach of handling money. These schools victimize students insensitive to background, race, or income levels and they do not distinguish their programs from public and independent schools. To summarize, for-profit colleges are becoming more and more demanding of students and are the main cause of student loan issues. Arnold Mitchem is the...
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...nation has been dealing with student loan debt crisis for the longest time. As students graduate from college they have to spend almost more than 50% of their paychecks paying off their debt from buying books to completing a full semester. As students use their savings and hard earned money for paying off their debt they don't have much left to spend on themselves and provide a living without support of families and friends.With the nation's economy already in a bad shape and holding over trillions of dollars in debt it's become difficult for students to find multiple jobs and attain help form the government.As years progress student loan debt has become a bigger issue than credit card debt and is affecting a much bigger population. Student debt crisis is an evolving issue and actions need to be taken in order to support the live sof many people. Student loan...
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...Persuasive Student Loan Essay “Private student loans should be avoided at all cost,” says Suze Orman. If student loans of a type of good debt, then why does Suze Orman, a successful author and financial advisor, say to avoid them? You would think she would know what she’s talking about. Wouldn’t you? It just so happens that she is right about student loans. They should be avoided for two main reasons. Student loans cost way more than they’re worth causing them to be unnecessary, and Student loans lead into massive debt. Student Loans are unnecessary. Why would you borrow $100,000 to go to a private college and get a law degree when you could work and pay off $24,000 to go to a cheaper, in- state public college and get the same degree? It is possible to finish...
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...Federal student loan debt relief carries it's pros and cons with it like any other type of money transactions. The complexities involved in narrowing down which program may assist which loan is a painstakingly involved process. Most people give up before they find any type of relief at all. Loan consolidations are often a fallback to making tens of thousands of dollars of student loan debt more affordable. As this may be a helpful payment option, there may be many other saving opportunities you are missing prior to consolidating multiple loans into one easy payment. More often than not, people will read negative reports about a student aid relief company. A business set up to help graduates find debt relief for tens of thousands of dollars in student loan debt. The negative focuses on the fact that federal student debt programs are free and that any service which charges to use these are taking advantage of people struggling to make ends meet. As there are higher priced and unfair services, there are also many who charge a low one time service fee to find a solution to high debt problems. Combing through the Department of Education's relief programs is time involved. Depending on your type of federal loan, your major and employment, you could be looking at thousands of dollars in relief and for some,...
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...OPPORTUNITY Students come from a much different background in term of socioeconomic status. It is not fair for the children of the rich having the best education while the children of the less privileged get left behind. Due to the high cost of higher education, students and their parents must work two to three jobs to pay for their tuition. For this reason, students tend to drop out of school and go straight into a paying job. DEBTS According to statistics the percentage of student’s loan debt in the united states keeps increasing yearly, student debt in the united states exceeded 1.5 trillion in 2016.Students leave college with an average of 30,000 - 150,000 worth of debt. Some parents and students end up being financially stressed....
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...exam Objective: Students choose an argumentative topic and write a 1000 word argumentative essay. An explanation of the topics students may choose is discussed below. This is a two-part assignment, including a review of sources and a first draft submission, and the final draft, both with a corresponding due date. For those unsure about a topic, you could consider one related to the very topics we have discussed this semester, including arguments related to higher education or poverty in America. The essay must contain at least 2 secondary sources (these are sources that you find via research) and a primary source, which will be either TS/IS or The NFG. These sources must be used as support for the claims students make. A separate works cited page is also required. It is strongly suggested that students use the databases provided by the library for research of secondary sources. Remember to refer to the Argument document posted on iCampus to review critical elements of argument, which include claims, qualifying/absolute language, and tips on tone of voice. The essay must be written in MLA format, and in-text citations must also follow MLA documentation. Use sources to back up, support, your claims rather than serve as claims or main points themselves. Avoid over-quoting (perhaps once a body paragraph) and be sure to include counter-argument refutation. Topics: You may choose to argue for or against any of the topics discussed in the essays we have read this...
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...Argumentative Essay Ever since you were little, your parents have been talking about this wonderful thing called college. They told you that you have to go there to get an education before you can get a good job. Many kids have dreamed of going to college, and being able to get the job of their dreams. By putting in hard work and dedication to good grades in high school, you had high hopes that you would be able to get into an Ivy League school. The American dream of being able to go to college to get a degree is sliding away from many people due to rising costs. With increasing tuition prices and job loss, the college dream is slowly and surely slipping away from many students and their families. The first step in the college process is to be able to afford the tuition and other expenses. Many families are unable to do so by themselves and depend on the help of financial aid and loans. Financial aid has recently been harder and harder to come by and loans are now harder to get. In 2000, the average gap between a financial aid offer and a family?s ability to pay for college tuition was $3,000.00. Since then, tuition has risen twenty one percent and shows every sign of continuing to rise with inflation (U.S. News and World Report, 53). If federal aid and federal loans are not easily accessible to families, how are they supposed to send their children to college? The financial aid system is meant to help needy students and their families, but the system is cracking under...
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...of the people wanting to get an online education are poor students to begin with. They are either new graduate from high school or have not been in an educational setting in years. From my experiences, working for a company whose product was online education; these companies do nothing more than profit from the desperate, and those who want nothing more than to improve their overall quality of life. Even if one does graduate, businesses usually do not consider an online education to hold the same weight as a traditional one. The majority of those with online educations are not working in the field they went to school for or at all. Let us not forget about all the debt the government is sitting on because of this new trend. The majority of students attending online classes either paid for it themselves or received government assistance; also known as loans. While the online method of education can be a highly effective alternative to traditional schooling. It is a form of education typically for the mature and self-disciplined student; it is a badly chosen learning environment for students who are poor learners to begin with. This places a greater responsibility on the student. Students now must be well prepared, self-motivated, and have extremely good time management skills to have a chance for success. This limits the success for younger students, and other students who are dependent learners. These types of students usually have difficulty assuming responsibilities required...
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...Withdrawal no academic penalty: Nov 12, 2014 COURSE DESCRIPTION This introduction to Canadian Literature is meant to expose the student to the landscape, history, and cultural milieu that is Canada, a country made up of many different cultural groups of immigrants as well as the many distinct cultures that are Canada’s Aboriginal people. As well, this course operates as an introduction to the techniques and forms of both poetry and prose, and introduces the process of literary research and the writing of academic prose. You will be required to submit many writing assignments as well as play an active part in class discussions. This course is writing intensive and you will see a marked improvement in your ability to express yourself clearly and concisely. This course emphasizes persuasive or argumentative writing, and therefore, critical reading, writing and thinking. This course intends to extend your understanding of effective argumentation beyond mere grammatical correctness into how to interpret what is written, how to research a topic, organize an argument, and articulate it concisely and coherently in an academic paper. Assignments: The student will be responsible for a short, one-page essay on an assigned topic to be completed in class, four one-page response journal entries, six one-page summaries, a twopart portfolio, as well as the final research essay and a mid-term and final exam. The response journal entries are made up of the student’s personal responses...
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...2 of 56 Clear Thinking, Critical Thinking, and Clear Writing Students will learn to … 1. Determine acceptable and unacceptable degrees of vagueness in language 2. Understand and identify types of ambiguity 3. Identify the problems generality causes in language 4. Use definitions to increase precision and clarity and to influence attitudes 5. Understand the types of definitions 6. Acquire skills for writing an effective argumentative essay rom August 1987 until January 2007, Alan Greenspan was chairman of the Federal Reserve Board (“the Fed”). Because any remark he made about U.S. monetary policy could cause markets all over the world to fluctuate wildly, he developed a complicated way of speaking that came to be known as “Fedspeak.” Here’s an example: It is a tricky problem to find the particular calibration in timing that would be appropriate to 2/9/2016 12:17 PM 3 of 56 stem the acceleration in risk premiums created by falling incomes without prematurely aborting the decline in the inflation-generated risk premiums.* Greenspan has admitted that such remarks were not really intended to be understood. Asked to give an example by commenting on the weather, Greenspan replied, I would generally expect that today in Washington, D.C., the probability of changes in the weather is highly uncertain. But we are monitoring the data in such a manner that we will be able to update people on changes that are important.* Page 70 2/9/2016 12:17 PM This tells us nothing about the weather...
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...RESEARCH and WRITING CUSTOM EDITION Taken from: Writing Research Papers: A Complete Guide, Eleventh Edition by James D. Lester and James D. Lester, Jr. To the Point: Reading and Writing Short Arguments by Gilbert H. Muller and Harvey S. Wiener ISBN 0-558-55519-5 Research and Writing, Custom Edition. Published by Pearson Custom Publishing. Copyright © 2006 by Pearson Custom Publishing. Taken from: Writing Research Papers: A Complete Guide, Eleventh Edition by James D. Lester and James D. Lester, Jr. Copyright © 2005 by Pearson Education, Inc. Published by Pearson Longman, Inc. New York, New York 10036 To the Point: Reading and Writing Short Arguments by Gilbert H. Muller and Harvey S. Wiener Copyright © 2005 by Pearson Education, Inc. Published by Pearson Longman, Inc. Copyright © 2006 by Pearson Custom Publishing All rights reserved. Permission in writing must be obtained from the publisher before any part of this work may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying and recording, or by any information storage or retrieval system. All trademarks, service marks, registered trademarks, and registered service marks are the property of their respective owners and are used herein for identification purposes only. Printed in the United States of America 10 9 8 7 6 5 4 3 2 1 ISBN 0-536-97722-4 2005240359 AP Please visit our web site at www.pearsoncustom.com ISBN 0-558-55519-5 PEARSON CUSTOM PUBLISHING ...
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...Learning in the American Southwestern Borderlands: Navajo Speakers and Their Transition to Academic English Literacy Gloria Dyc a a University of New Mexico-Gallup Available online: 22 Nov 2010 To cite this article: Gloria Dyc (2002): Language Learning in the American Southwestern Borderlands: Navajo Speakers and Their Transition to Academic English Literacy, Bilingual Research Journal, 26:3, 611-630 To link to this article: http://dx.doi.org/10.1080/15235882.2002.10162581 PLEASE SCROLL DOWN FOR ARTICLE Full terms and conditions of use: http://www.tandfonline.com/page/termsand-conditions This article may be used for research, teaching and private study purposes. Any substantial or systematic reproduction, re-distribution, re-selling, loan, sub-licensing, systematic supply or distribution in any form to anyone is expressly forbidden. The publisher does not give any warranty express or implied or make any representation that the contents will be complete or accurate or up to date. The accuracy of any instructions, formulae and drug doses should be independently verified with primary sources. The publisher shall not be liable for any loss, actions, claims, proceedings, demand or costs or damages whatsoever or howsoever caused arising directly or indirectly in connection with or arising out of the use of this material. Downloaded by [University of Texas El Paso] at 13:50 09 August 2011 Downloaded by [University of Texas El Paso] at 13:50 09 August...
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...Writing a Research Paper in Literary Studies1 The most important aspect to bear in mind is that you are writing a research paper and not an essay! This means that you are arguing a thesis with reference to secondary literature – it is essential that you conduct relevant research and that you integrate your findings into your paper. Things to keep in mind: • Your paper should have a well-defined topic and a precisely formulated argument. • Your approach should be recognizably systematic. • Your argument should remain relevant and clear-cut, consistent and coherent throughout. • Your secondary material should be discussed critically and documented accurately. • Writing is a process; you should constantly revisit and revise. DON’T FORGET TO PRINT, SIGN AND ATTACH THE “PLAGIATSHINWEIS”! First steps Many students neglect the preliminary work of the writing process, but if you give it sufficient attention the actual writing of your paper will be faster and more organized than if you just start writing. The most important thing is to be systematic in your approach. 1. Finding a topic Perhaps the most difficult part of any research paper is finding an adequate topic, formulating a title and making a coherent argument. Once you have decided on a topic or a title, which in literary studies will most likely involve a certain text, rephrase it as a question to guide your research. You should also think about the methodology you intend to apply to your analysis. • ...
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...this situation sounds familiar, you may find it reassuring to know that many professionals undergo these same strange compulsions before they begin writing. Jean Kerr, author of Please Don’t Eat the Daisies, admits that she often finds herself in the kitchen reading soup-can labels—or anything—in order to prolong the moments before taking pen in hand. John C. Calhoun, vice president under Andrew Jackson, insisted he had to plow his fields before he could write, and Joseph Conrad, author of Lord Jim and other novels, is said to have cried on occasion from the sheer dread of sitting down to compose his stories. To spare you as much hand-wringing as possible, this chapter presents some practical suggestions on how to begin writing your short essay. Although all writers must find the methods that work best for them, you may find some of the following ideas helpful. But no matter how you actually begin putting words on paper, it is absolutely essential to maintain two basic ideas concerning your writing task. Before you write a single sentence, you should always remind yourself that 1. You have some valuable ideas to tell your reader, and 2. More than anything, you want to communicate those ideas to your reader. These reminders may seem obvious to you, but without a solid commitment to your own opinions as well as to your reader, your prose will be lifeless and boring. If you don’t care about your subject, you can’t very well expect anyone else to. Have confidence that your ideas are...
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