Creating an Outline:Student Debt in the USA
by C.Talbot on February 2, 2016 - 8:45am
A. Topic & Type of Paper / Justification of Social Issue
The topic of this analytical paper is the student debt in the United States. It analyses the main causes of student debt and the effects on the students and the population. Also, this paper looks at how the government could intervene to decrease student debt by using other countries as examples.
This is a social issue since some people can’t attend higher education because of their socio-economic status, not their intellectual capacities. This also discourages students and can also distract them from their studies, since their focus is on paying their bills, not getting good grades.
Resulting from student debt is a disparity between the rich and the poor, since only people who can afford school can attend. Consequently, people with no education can’t find jobs since there is a lot of output. Studies show that “as of 2012, Americans with only a high school diploma were roughly five times more likely to be unemployed than individuals with a college degree” (Chapman and Ciment, 1). Also, the costs related to education keep on rising, and so do the amount of loans. In fact, “in 1993 49 % of bachelor’s degree recipients in the USA had borrowed to finance their undergraduate education, while by 1999 this percentage had increased to 65%” (Zhang, 1)
B. 2-3 Major Areas of Interest / Important Questions & Associated Social Science Disciplines
- What are the effects of the stress associated to being in debt and being in school? (Psychology)
- How does student debt affect the life of the students AFTER obtaining their degree or choosing to not pursue their studies? (Sociology)
- What causes schools to charge high fees like this? Why isn’t it free to go to school? (Economics)
C. Who / What Groups are Involved in This Issue?
Mainly students and their families, but also the government of the United States and the different educational institutions.
Zhang, L. (2013). Effects of college educational debt on graduate school attendance and early career and lifestyle choices. Education Economics, 21(2), 154-175. Retrieved February 01, 2016.
College tuition and student debt. (2013). In R. Chapman & J. Ciment (Eds.), Culture wars in America: An encyclopedia of issues, viewpoints, and voices. London, United Kingdom: Routledge. Retrieved from http://ezproxy.champlaincollege.qc.ca/login? url=http://search.credoreference.com/content/entry/sharpecw/college_tuition_...