Author: summergirl1999

Causal Argument- summergirl1999

Student Debt: Success or Scam

In American society, having a college degree holds weight. Working towards a college degree shows employers that students are motivated to succeed. A college degree can determine raises, well-paying careers, and most importantly success. Attending college is highly encouraged by teachers, parents, friends and other mentors that students come across on a daily basis. ‘Successful’ is a word that everyone wants to describe themselves as, and American society says that a college education is one of the steps that can help students move in the right direction towards success. Every person is different, which means different personal and finical issues. Depending on the person, college can either be worth the time and money or not.

Person A, is an example of positive effects of attending college. Person C, is an example of the negative effects of attending college. College tuition is very expensive, public university tuition is averaged at $25, 290, and private university tuition is averaged at $50,900. Person A has a finically stable background and money saved, so the price of tuition is not a problem. Person B does not have a stable background and no money saved due to personal issues, so the price of tuition is a challenge so they have to take out student loans so they can attend college. Students choose to go to college so they have more opportunity to choose their career. Person A, chooses the career of their choice because they enjoy it and salary. Person B wants to choose a certain career but it raises the tuition so they choose another career that they do not enjoy as much but it has a good salary. “Students in the sciences, engineering, computing, premed programs, and the fine arts often pay more. For example, at University of Illinois Urbana-Champaign, students enrolled in the College of Engineering pay up to $5,000 more in tuition than students pursuing other majors” (College Data.) Student loans are a factor of college. Students take out student loans if they do not have the money to pay for their college tuition. Students take out money from loaners who lend them the money to attend college, in return after the student has graduated college they must pay back the loans plus interest. Interest rates vary by the loaner, undergraduate degrees interest rates vary around 4.45% and graduate degrees interest rates vary around 6.00%. Person A either has to borrow a little amount of money in loans or none at all. Person C is not finically stable, they have to borrow student loans to pay off their college tuition. Student debt is a huge issue in America, it is one of the largest debts America encounters. “For the 2013-14 school year, the government sank $126 billion into undergraduate student aid” (MoneyWatch.)

Students attend college so they can establish a steady career. When college graduates apply for careers, most careers look at what college the graduate attended, college recognition. Person A graduated from Harvard University as a chemistry and physics major. Harvard University is one of the most prestigious colleges in America, and has recognition. Harvard Universities tuition is $63,025. Person C graduated from South Texas College also as a chemistry and physics major. The tuition at South Texas College is $11,892. Although South Texas College has good reviews and is a college it does not have the same recognition as Harvard University. If Person A and Person C both applied for a job for chemistry and physics, Person A would most likely get the job. “The rankings, it turned out, mattered a great deal. The more elite a school, the better its alums’ paychecks. The effect also increased over time. Among students who had graduated high school in 1980, those who had gone on to a top private university eventually made 20 percent more than their counterparts from bottom tier public school. For the class of 1972, the wage boost was just 9 percent” (The Atlantic.)

A career is not guaranteed with a college degree. Graduates that come out of college with a degree are still not guaranteed a job in the field that they studied and not guaranteed a high paying career right away. Graduates that go out in the real world need a job to pay for all of their expenses, beyond what they owe on their student loans. Although students attend college so they can have a higher chance – or even a chance at all at pursuing a career, the career is not always guaranteed. “Millions of college graduates who saw a degree as their ticket to a good-paying career and a secure life are working in jobs that do not require their education or even a high school diploma, sometimes leaving them with small wages to pay thousands in student debt, according to a new study” (The Denver Post.) Person A went to a prestigious college, got a career in their trained field, paid off their little amount in student debt and just bought a house. Person C went to an average college and could not find a job right after gradation so they had to get a job at a Target so they can pay off their necessities (rent, food, utilities, and personal purchases.)  Six months after Person C graduated college, they needed to start paying off their student loans, which can be a huge inconvenience and challenge because Person C is making an average of $9.33 an hour.

It is hard enough for graduates to deal with the amount of debt they are in themselves, but people have personal problems that can make it more challenging. For Person A, college was worth it because, they had enough financial stability to choose a prestigious college that cost $63,025. Also, because Person A got a career in their field with a steady salary right after college which helped pay off their student loans. For Person C, college was not worth it because although they have a college degree they could not find a stable job. Since Student C took out student loans they are still obligated to pay back their student loans.

WORKS CITED PAGE

https://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

https://www.nerdwallet.com/blog/loans/student-loans/student-loan-interest-rates/

https://www.cbsnews.com/news/the-biggest-problems-with-americas-colleges/

https://www.harvard.edu/about-harvard/harvard-glance

https://www.theatlantic.com/business/archive/2012/05/does-it-matter-where-you-go-to-college/257227/

https://www.glassdoor.com/Salary/Target-Salaries-E194.htm

Visual Rhetoric Argument Rewrite summergirl1999

 Visual Rhetoric Argument.

Sample Choice 2: It’s Not “Just a Text.”

0:00-0:01: Young boy sleeping with his cell phone next to him. Cute toddler boy rubbing his eyes to wake himself up. The little boy is very energetic, flips around and grabs his green t-shirt.

0:02-0:08: Toddler runs in his brother’s room very excited to wake up his older brother. Older brother wakes up with a grin.

0:09-0:12: The older brother tickles the toddler. Toddler laughing with a huge smile on face. Older brother has a huge smile on his face. Older brother is helped toddler put on his t-shirt. Showing the brothers relationships.

0:13-0:14: Older brother relaxed in bed on his phone. Texted a girl named Jessica Rodgers, a red heart emoji next to her name implying Rodgers might be the older brother’s girlfriend. Older brother texted Rodgers “hey”.

0:15-0:18: Brothers brushed their teeth with smiles on their faces, portraying happiness, and a good sibling bond. Older brother helped toddler tie shoes. Toddler sitting with a bowl in front of him eating with a spoon portraying that he is eating breakfast.

0:19-0:20: Older brother took phone off of his leg and took a picture of his younger brother, and sent the picture to someone over text message.

0:21-0:22: The brothers father came into the scene and put a brown paper bag on the table behind the older brother, pointing at it probably because the father probably brought snacks home.

0:23-0:28: Older brother rubbed toddlers hear, signal that the brother is going to leave the house. Older brother’s name is Hunter, it is written on the brown paper bag the brothers father brought home. Older brother reaches to grab brown paper bag but got distracted from his phone. Older brother sent text message, grabs his keys, and walks out the door distracted by his phone.

0:29-0:30: Older brother got into his car, buckled up his seatbelt, and drove.

0:31-0:35: Toddler opened house door with a huge smile, and started to run out of the door. Toddler put on bike helmet, and started to ride his bike. Shows the forgotten brown paper bag.

0:36-0:38: Older brother realized that he forgot his bag which probably had his lunch in it. Older brother made U-Turn pretty fast because he is probably rushing to get to school.

0:39-0:42: Toddler took off his helmet and kicked a ball.

0:43-0:47: Older brother looked down at his phone and texted. The ball the toddler kicked rolls into the street in front of the older brother’s car.

0:48- Toddler runs out in front of older brother’s car. Words shown on the screen “It’s Not Just a Text”. Older brother jumped out of car. Toddlers shoe on the ground. Words shown on the screen “It’s a Life”.

https://www.youtube.com/watch?v=0uTxRWTIyzA

Definition Argument – summergirl1999

Life Delayed by Student Debt

In American society, a college education and degree hold a vast amount of weight. “Successful”, is an adjective most Americans want to describe themselves as, American society says that college is a prime factor to help graduates move in the right direction towards success. A college degree is important to Americans because it can potentially mean determination, larger salaries, and a steady career. Due to the high increase of college tuition, it is making many Americans feel like college is not worth its penny. The drastic number of money that needs to be paid back after graduating is leaving graduates in enormous amounts of debt. Student debt is greatly impacting graduate’s lives.

Student debt is one of the largest amounts of debt that American holds. It is also the most popular, making many people’s lives more challenging. “Fewer know that growing alongside 42 million indebted students is a formidable private industry that has been enriched by those very loans.” (Steele. 2016.) Steele is sarcastically stating the large population of Americans that have student loans. Depending on the university attended and the money granted, the amount of student debt per-person fluctuates. Leaving some graduates in more challenging situations than others. “’I feel I kind of ruined my life by going to college,’ says Jackie Krowen, 32, of Portland, Oregon, a nurse with a student loan balance of $152,000. ‘I can’t plan for an actual future.’” (Steele. 2016.) This woman encountered such a large amount of debt, it is making her hesitant about her future. To take out student loans, students need loan companies. Companies that loan student’s money for their college tuition, but the money must be paid back and with interest. Interest on loans can vary depending the company.

The longer you hold the loan, the more it will cost. Although the five-year plan comes with much higher monthly payments, following the 25-year plan will cost you $17,402 extra in the end. In all cases, the interest on your student loans means you’ll be paying more than what you borrowed to go to school. Even on the shortest payment plan, you’d be forking over $3,704 more than you originally received.” (Insler. 2017.)

Although $3,704 is not as large as the student debt itself, it is still a factor.

The high amount of student debt is delaying society, and affecting American’s personal lives. “More student loan debt means some kids are starting households later and moving from renting to ownership later than their parents did, which ripples throughout the economy—so when you don’t form a household, you delay when would purchase a car, furniture, appliances and utilities.” (Peterson-Withorn. 2014.) Many graduates are postponing or limiting purchases on common expenses and utilities, because they need to save enough to have the monthly payment. A report from “Life Delayed” by the American Student Assistance, did research and surveys on graduates that encounter student debt. “According to the survey, 62 percent of respondents said their student debt posed a hardship on their personal budget when combined with all other household spending.” (Lanza. 2016.) Having a college diploma should come with great honor and relief, for all of the hard work. “While loans are intended to expand college access to a broader population, the nature of risk that they entail also produces the opposite result. Low- and middle-income students worried about the consequences of taking out a loan will be more likely to decide that college attendance is not worth the risk.” (Freedman. 2014.) Along with college, loans were put into place to help students no matter their financial background have the opportunity to attend college.

Graduates that come out of college with a degree are still not guaranteed a job in the field that they studied and not guaranteed a high paying career right away. Graduates that go out in the real world need a job to pay for all of their expenses, beyond what they owe on their student loans. Although students attend college so they can have a higher chance – or even a chance at all at pursuing a career, the career is not always guaranteed. “If we tell our young people that more education leads to higher earnings, we are not telling the whole truth. Higher education will increase the chances of a well-paying job, but there is no guarantee.” (Parker. 2017.) Loan companies usually give the graduate a six-month curtesy period to get themselves ready to pay back their loans. It is not the colleges or the degrees fault for not being able to seek a job, there are just more college graduates than careers. “The number of jobs paying what college graduates expect depends on the needs of employers. That number will not increase because there are more graduates.” (Parker. 2017.) Loan companies do not usually care about the personal or financial situations that graduates may be in when they finish college, companies are mainly worried about the money being paid back to them. A website named “Money Crashers” that was featured on CNN, Forbes, and the Wall Street Journal gives tips and “helpful” advice for graduates that cannot find a job. “Stay positive, reduce your cost of living, move back home, and put yourself on a budget.” (Slide.) Job popularity can have an effect on graduates not being able to find a profession’s. “At a median wage of $83,580 a year, the occupation with the fastest projected job growth, industrial-organizational psychologists, pays well. But, there’s not much demand for this type of psychologist. The field will generate only 900 jobs in 10 years, according to the Department of Labor’s Occupational Outlook.” (Weiner. 2014.) Graduates may have degrees in professions that are not so popular anymore which means less jobs.

Attending college is a choice that is given to everyone. Going to college and having a college degree does have its benefits and pros. The rise of college tuition and student debt graduates encounter after college are a couple cons. Student debt is impacting many lives of graduates.

References

“Student Debt—Lives on Hold.” Consumer Reports. June 2016.

https://www.consumerreports.org/student-loan-debt-crisis/lives-on-hold/

 “How Today’s Student Loan Debt Is Failing Future Generations.” Forbes. July 2014.

https://www.forbes.com/sites/chasewithorn/2014/07/30/how-todays-student-loan-debt-is-failing-future-generations/#4d9e5f124b3c

“Student Loans are a Drag on the Economy and Society.” Forbes. February 2014.

https://www.forbes.com/sites/joshfreedman/2014/02/11/student-loans-are-a-big-drag-on-the-economy-and-society/#7bf123014bc1

 “What Do You Do If You Can’t Find a Job After College.” Money Crashers.

https://www.moneycrashers.com/cant-find-job-after-college/

 “Why Sally can’t get a Good Job with her College Degree.” The Washington Post. September 2014.

https://www.washingtonpost.com/blogs/she-the-people/wp/2014/09/05/why-sally-cant-get-a-good-job-with-her-college-degree/?utm_term=.8b458336a8a4

PTSD Claims A03- summergirl1999

Section 00? 

BEGIN THE ONE HOUR EXERCISE.

  1. “The pictures in his brain disorienting him among the stacks, which could turn from stacks to rows of rooftops that need to be scanned for snipers.”

Casual Claim.

 The pictures in his brain disorienting: One of the effects Caleb is experiencing from PTSD. Pictures are coming to his mind from previous experiences.

  • Stacks to rows of rooftops that need to be scanned for snipers: Caleb just doing a normal thing, gets interrupted by the effects of PTSD.
  1. “Hypotheses for why PTSD only tortures some trauma victims blame it on unhappily coded proteins, or a misbehaving amygdala. Family history, or maybe previous trauma.”

Evaluative Claim.

  • PTSD does not affect everyone.
  • Some people with PTSD blame it on products or trauma.
  • Certain things can trigger PTSD in some people.
  1. “Whatever is happening to Caleb, it’s as old as war itself.”

Casual Claim.

  • “It’s as old as war itself.” Simile.
  • PTSD has been effecting people for a long time.
  1. The ancient historian Herodotus told of Greeks being honorably dismissed for being “out of heart” and “unwilling to encounter danger.”

 Factual Claim,

  • Greeks were dismissed from having side effects of PTSD.
  • There was not a given name for the diagnoses.
  • Instead of being dismissed from PTSD the Greeks were dismissed for being “out of heart and “unwilling to encounter danger.
  1. “It wasn’t an official diagnosis until 1980, when Post Traumatic Stress Disorder made its debut in psychiatry’s Diagnostic and Statistical Manual of Mental Disorders.”

Factual Claim.

  • Was not considered an official sickness until 1980.
  • Made a debut in book.

END OF ONE HOUR EXERCISE

Stone Money—SummerGirl

Money Rules the World

Money is one of the most important factors of the world. Money holds value, currency, and status. Money can have the power to make human beings do crazy things, and can often lead humans to think a certain way. Why is money one of the most influential factors on Earth? What is money really? Prior to reading and listening to these articles I thought of money as power.

When our class first learned about idea of Stone Money, I was shocked. While first hearing about it, the idea of a middle ages children’s story glimpsed into my head. It was interesting learning that on the island of Yap currency was measured in large stone. After reading Milton Friedman’s “The Island of Stone Money”, I realized that although the island of Yap and the U.S currency doesn’t look the same it generally the same motive. I feel as though authoritative figures manipulate the people with the concept of money. The Island of Yap, the people deciphered the more value fei with a black painted cross. I compared the fei to the U.S dollar. The U.S dollar has numbers written on them for Americans to decipher the value of the dollar.

Money can have the effect of empowering people. In Friedman’s essay, he mentions that the wealthy people of Yap did not need proof of their fei that they were wealthy and it was not questioned. The United States and the Island of Yap’s currency are very different. A feature of our monetary system that the Yap might consider bizarre are banks. Banks track how much money a person has, it costs money to keep money in banks, it is also a trusted place where people keep their money. The people of the island of the Yaps would probably think of the idea of a “bank” to be bizarre because they see and hold money. Friedman’s essay explains that wealthy people in Yam remain wealthy by family tradition. “There was in the village near-by a family whose wealth was unquestioned, — acknowledged by everyone – and yet no one, not even the family itself, had ever laid eye or hand on this wealth.” (Friedman.)  Wealthy people of Yam are wealthy because families claimed having many or large fei. In the United States of America, a person is not wealthy without record of their money, people can also go bankrupt when they do not have enough money and banks can track that. It is interesting that different places have their ways to value currency. It makes me think, money rules most of the world, and is a huge aspect of life but is it even real?

After listening to the NPR broadcast “How Fake Money Saved Brazil” I am very aware of the concept “one man can change the world”. But in this case a group of friends. It was very nice to read how intrigued this group of friends were about the economy, enough to help the inflation of Brazil’s economy. It was very interesting hearing about college students saving their counties economy from major inflammation, especially with a virtual currency. It made me think, if money is such a stable factor in our world how could students come up with a fake currency to help their fix Brazil’s economy? It was insane to see the examples of how the inflation could have affected prices. “At that rate, if eggs cost $1one day, they’ll cost $2 a month later. If it keeps up for a year, they’ll cost $1000.” (Joffe-Walt). The group of friends made a “fake” virtual currency, with no bills or coins. They named the virtual currency “Unit of Real Value” (URV’s).  I was amazed how much of an impact a group of economists could make, a big enough impact that even their taxes use URVs. “The idea was that people would start thinking in URVs – and stop expecting prices to always go up.” (Joffe-Walt). With a new currency, the people of Brazil were probably confused and relieved. One of the most confusing factors of this probably was the technology aspect. The NPR broadcast “How Fake Money Saved Brazil”, states that people called it a fantasy and many of people did not understand what the new Brazilian currency was. What made Brazilians trust the new virtual currency? What I think made the people of Brazil trust the new currency (URVs) was a couple things. One being that people still had the “real” currency, but just about everything was listed in URV’s so it probably made people more familiar. Also, another thing that could have helped make the people trust the virtual currency, was realizing that it was for the people and the economies benefit. The economist’s idea to fix the economy with their virtual currency “Unit if Real Value”, was beneficial. The new currency (URVs), became the real currency, the inflammation in Brazil ended. This broadcast made me realize that people impact and influence money and currency.

For a couple of years now something that has been interesting me is Bitcoin. This really relates and is relevant to the topic “Money Rules the World”. Bitcoin is a virtual decentralized currency that is trying to take over all other currencies. Bitcoin cannot be tracked so the United States government does not have the ability to control it like the U.S dollar. Bitcoin is now treated like a commodity and people are making fortunes from it. Two years ago, Bitcoin was estimated around two hundred and fifty dollars per coin. In December of 2017, Bitcoin reached its high of nineteen thousand five hundred dollars. I can relate this to the NPR broadcast, because just like the economists made the virtual currency (URVs) from being a fake to real currency in Brazil to help the economy from inflation. Bitcoin is also a virtual currency trying to become a major currency, except trading Bitcoin is helping people make money or perhaps lose money in some cases.

Work Cited

 

white paper 3 – summergirl1999

Proposal

For my research essay, I will be examining the effects college debt between person A and person C. Having a college degree can potentially be beneficial, if it works out the graduate’s favor (person A). But having a college degree might not be beneficial to all graduates, student debt can cause a great inconvenience to graduate’s personal and finical lives (person B).

The high increase in college tuition is leading most students to take out loans, so they can attend college. Many graduates earn enough money from their career jobs that college helped them receive, to pay off their student debt (person A). Many graduates cannot find finical steady jobs after college or/and struggling to obtain the high price of their debt (person B).

[FIRST VERSION] Saved for Comparison

For my research essay, I will examine the large amount of student debt in the United States of America. Student debt impacts graduates negatively in American society.

Most of Americans go to college to earn a college degree, so they do not have to struggle that much in life. Americans are still not always guaranteed a steady job right away even with their degree. For the most part, what is guaranteed is being left with thousands of dollars in debt. Student debt can have major effects on Americans futures in a negative way. College graduates have to worry about getting a career, figuring out their living situation, and also saving money.

The more time spent in school, comes with more degrees. The higher degree earned comes with more education, knowledge, and better careers. It also means thousands of dollars. Holding onto a steady career is difficult without a college degree. Depending on the major the student wants to study, the price fluctuates. The tuition costs are getting so enormous in price, that college students only choice is to take out student loans.

Sources

  1. Student Loan Balances Jump Nearly 150 Percent in a Decade

https://www.cnbc.com/2017/08/29/student-loan-balances-jump-nearly-150-percent-in-a-decade.html

Essential Content of Article: This article provides the average student of student debt graduates have. The high jump of student debt America encounters. This article provides, graphs and charts to support their evidence. The percentage of America that is in student debt.

What it Proves: This article proves that that tuition increase for college education is causing problems for not only graduates but also the economy. This article also proves the delay on personal purchases due to student debt.

  1. How Is The Student-Debt Crisis Affecting The Lives Of College Graduates?

http://www.genfkd.org/student-debt-crisis-affecting-lives-college-graduates

Essential Content of Article: This article provides information about the student debt crisis affecting the personal lives of college graduates.

What it Proves: This article proves student debt effects many college graduates. It provides information about the impact of rising tuition costs, and the debt America is in. The price of paying back student debt monthly. This article also proves the long-term impacts of student debt.

  1. The Impact Of Student Loan Debt On Millennial Happiness

https://www.forbes.com/sites/sarahlandrum/2017/10/20/the-impact-of-student-loan-debt-on-millennial-happiness/

Essential Content of Article: This article provides information on student debt and the cost of college. Poll provided on the joy college graduates have. This article provides information on the debt America is in.

What it Proves: This article proves the “entry level” average person salary in recent years was around $50,000. If only the rich paid for college it would be unfair. If college was free taxes would be very high.

  1. Study: Student Loan Borrowers Delaying Other Life Decisions

https://www.usnews.com/education/blogs/student-loan-ranger/articles/2016-01-20/study-student-loan-borrowers-delaying-other-life-decisions

Essential Content of Article: This article provides surveys on daily spending habits of young Americans. Provides information on public, private universities, and community colleges. The percentages of people who think college is and is not worth it.

What it Proves: This article proves student debt effects some graduates personal lives. Purchases from many graduates are being delayed. Student debt can cause people to take out of their savings or retirement. Student debt can cause graduates to have some troubles with paying for some necessities.

  1. Student Loans Are Ruining Your Life. Now They’re Ruining the Economy, Too

http://time.com/10577/student-loans-are-ruining-your-life-now-theyre-ruining-the-economy-too/

Essential Content of the Article: This article proves even though a person has a degree in a certain field it does not mean a career is gaurenteed. The amount of student debt America is in. The average amount of money a graduate owes. The rise of tuition and loan interest. More students are attending college.

What it Proves: This article proves that America is in $253 billion dollars of student loan debt. In the recent years the debt increased 10 percent. Not all graduates can pay back their debt in time. This article proves charts. This article proves tuition for universities rising. This article proves interest rates are crazy.

  1. “Debt Fueled Tuition.”

https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/sites/nickclements/2016/08/08/the-real-student-loan-crisis-debt-fueled-tuition-inflation/&refURL=&referrer=#61bbca0a6824

The Essential Content of the Article: This article proves that America is in trillions of dollars in student debt. Student debt is causing some graduates to delay marriage and owning a home. College tuition for both private and public universities have increased.

What it Proves: This article from Forbes focuses on a two-way argument about student loan debt. This article highlights the cost of college tuition rising. This article also highlights the different solutions people are trying to come up to help student debt.

  1. Student Debt: Lives on Hold

https://www.consumerreports.org/student-loan-debt-crisis/lives-on-hold/

The Essential Content of the Article: This article proves that student loans were not always such an inconvenience, the loan companies were more generous. But after a couple laws were put in place, student debt became the most debt in America. This article proves America is in trillions of dollars in debt. This article speaks on different techniques that could help the student debt situation.

What it Proves: This article from Consumer Reports focuses on a few reasons why student debt is the worst debt. This article highlights laws that went into place that made student debt worse. This article also highlights if there was more support for public schools, billions of dollars could be made.

  1. “How Today’s Student Loan Debt is Failing Future Generations”

https://www.forbes.com/forbes/welcome/?toURL=https://www.forbes.com/sites/chasewithorn/2014/07/30/how-todays-student-loan-debt-is-failing-future-generations/&refURL=https://www.google.com/&referrer=https://www.google.com/

The Essential Content of the Article: This article proves that the number of students in college who are borrowing loans increased. This article also proves that America is in trillions of dollars in debt. This article speaks about how student debt hurts the student but it is also affecting the economy because graduates are not making as many large purchases right away.

What it Proves: This article from Forbes focuses on a few affects student debt has on Americans and the economy. This article highlights student debt can affect other generations. This article also highlights the tuition cost for college increased.

  1. “Higher Education Is a Giant Pyramid Scheme”

https://www.forbes.com/sites/sherylnancenash/2012/05/17/is-higher-education-a-giant-pyramid-scheme/#7603d6b34732

The Essential Content of the Article: This article proves that almost half of college graduates cannot find a steady job. This article proves that interest on a loan makes it even more difficult to pay back, this article mentions some states that offer interest-free student loans. This article touches on status and/or knowing people can land a person a career. This article speaks about careers not always being guaranteed even with a college degree.

What it Proves: This article from Forbes focuses on the large amount of student debt in America. This article highlights the large amount of student debt America is in. This article highlights a survey performed on a few college graduate’s unemployment percentages. This article also highlights interest rates on student loans.

  1. “Is a College Education Worth It?”

https://college-education.procon.org/

The Essential Content of the Article: This article proves the average amount of debt an average college graduate contains. This article mentions that success can come with and without a degree. This article also mentions college graduates can make higher salaries but the student loans are overwhelming. Many topics are provided about college and student debt.

What it Proves: This article from college-education focuses the argument of college. This article highlights the different arguments of the pros and cons of a college degree. This article also highlights the average amount of debt an average college graduate contains. This article also provides background of the topic.

11. “Benefits of Earning a College Degree”

https://www.cbd.edu/9-benefits-college-degree/

The Essential Content of the Article: This article explains the top reasons why attending college can be beneficial. This website is used for my counter-argument.

What it Proves: This article from CBD College focuses on the benefits of college. This article points out some positives of attending college.

12. “High Paying Jobs Without a Degree”

https://christianpf.com/paying-jobs-without-degree/

The Essential Content of this Article: This article explains the different jobs a person get without a college degree.

What it Proves: This article from SEEDTIME focuses on well paying jobs that people can get without a college degree. This article speaks on the theories of college, and how it is possible for people to receive good jobs without a degree. This article also speaks about how there is more of a variety of jobs.

13. “Millennials Face Life After College”

https://www.cnbc.com/2017/09/08/millennials-face-life-after-college-finding-a-quarter-life-crisis-instead-of-dream-jobs.html

The Essential Content of this Article: This article explains some of the challenges college graduates are facing after college. This article provides quotes from graduates who are facing troubles after graduating. This article speaks about some crisis’ graduates are having.

What it Proves: This article from CNBC focuses on some of the struggles college graduates are having after graduating. Many people say with a degree comes a career right away, but many graduates are struggling with the challenge of finding a career. This article also speaks on the large effect student debt has on college graduates.

14. “Student Loan Debt Statistics for 2018”

https://studentloanhero.com/student-loan-debt-statistics/

The Essential Content of this Article: This article explains the statistics of student debt. This article provides facts on student loan debt, public service loan forgiveness, and federal student loan portfolio.

What it Proves: This article from Student Loan Hero focuses on the statistics of student debt. This article provides facts on student loan debt, public service loan forgiveness, and federal student loan portfolio. This article also provides charts for different loan types and companies.

15. “Student Loan Debt May Not be as Bad as it Seems”

https://www.forbes.com/sites/financialfinesse/2016/08/07/why-your-student-loan-debt-may-not-be-as-bad-as-it-seems/#382de09518b8

The Essential Content of this Article: This article explains some reasons why student loan debt is not as bad as it seems. This website is for my counter-argument. This article provides a couple of tips to help with student debt.

What it Proves: This article from Forbes focuses on student loan debt. This article provides information about student debt and how student debt is not so bad. This article provides information on 401k and debt balance.

 

Summaries—summergirl1999

Purposeful Summary by summergirl1999 “The Cruelest Show On Earth” -Deborah Nelson.

It seems counterintuitive that circus’ portray their shows to be the “Greatest Show on Earth”. Elephants are one of the great acts of the circus, they are very intelligent and very loving animals. Elephants have the ability to feel emotion just as much as human beings. Behind the scenes of “The Greatest Show on Earth” the Elephants are not treated with care, more so used as props for the show.

The elephant trainers at the circus sometimes even use bullhooks, whips, and even electric shocks to train these loving animals. Just like human beings, Elephants get sick. Especially, when they are tied up going place to place to perform. Traveling, being tied up, and not being treated properly are ways diseases can occur. When humans are very sick, they go to the doctors to be properly taken care of. Also, humans often relax after being very sick.

Deborah Nelson, the writer of the article “The Cruelest Show On Earth” speaks about the elephants who perform for the circus. Kenny the elephant was one of the performers for the circus. Kenny, got very sick, symptoms being going to the bathroom on the stage floor during one of the shows, and bleeding from areas of his body. Usually, doctors are supposed to help the animal and give it proper treatment. “The Ringling Brothers Circus” brought in someone to give Kenny medicine. Kenny still performed at the next show when he was sick. Kenny the elephant died.

This is no way any animal of any sort should be treated. Elephants have feelings just like us. They are exoctic animals, they needed to be treated properly with care. Although people are starting to become more aware of this problem and giving money to foundations, there needs to be more attention on this huge problem. Circus’ and their trainers are not worthy of being around these great animals. Animals deserve to be treated with care and respect.

“Do Toms Shoes Really Help?” – Kiera Butler

It seems counterintuitive that Toms shoes has a buy one, give one policy. Toms Shoes is a very popular shoe brand in America, selling thousands of shoes to people. They are popular for a couple reasons, one being that their shoes are very fashionable and the second reason being they’re popular policy buy one give one, giving to people in countries that do not have shoes.

There are also many other companies that relatively offer the same policy. Some companies grow more trees, and some companies donate toothbrushes there are probably many other companies that offer that policy. Toms Shoes offer this policy because of many reasons, one being children in other countries who do not have shoes  will not be allowed in school. Shoes can make a huge difference if they actually go to where they are needed. But at times that can lead to competition with other local stores.

Kiera Butler speaks about Toms policy and although it is a good deed, it is not as necessary as other things that could be donated. She also speaks on how people in some other countries do have shoes and by sending them to other countries is making marketplace competition.

Toms Shoes policy, is a very kind and thoughtful policy. But if the people of the countries that they are sending shoes are capable of getting them themselves, then Tom’s should not interfere with the local businesses. There are many other things besides shoes that people in other countries need.

“Men Defining Rape: A History” – Erika Eichelberger

It seems counterintuitive that woman have a very strong say on the topic of rape. A lot of men have their opinions about rape. A common question is when it is and is not okay? Thousands of years ago there were also laws about rape. The amount of trouble people got in, depended on the type of woman that has been raped. Husbands could not get in trouble for raping their wives because they were married. Even skin color made a difference, it did not count as rape if the person with had brown skin.

Erika Eichelberger speaks about the different laws of rape, and the misconceptions  some men had towards rape. There were many excuses for rape one being “you can’t thread a moving needle”. During the 18th and 19th century, questions of how much proof is necessary for “rape”.

Rape is such a serious and sensitive topic. Rape is a crime and a harm to woman. No excuses for it. Men should not be able to have much say when it comes to the rape laws, or the excuses about rape. There should not be any reasonable excuses of why it happened, or any getting away with it. Rape is a violent crime. Woman and men should stand strong together against rape.

my hypothesis – summergirl1999

  1. Student debt.

2. Student debt in the United States.

3. The effects of student debt on graduates.

4. There are many Americans graduating college each year with an overwhelming amount of student debt.

5. Student debt causes problems in today’s society, economy, and Americans personal lives.

6. Student debt impacts graduates negatively in American society.