Annotated Bibliography – summergirl1999

Annotated Bibliography

 

  1. Student Loan Debt Crisis. (2006). Retrieved February 17, 2018, from https://www.consumerreports.org/student-loan-debt-crisis/

Background: This article discusses the depth of student loan debt in the United States. This article explains why student loans got put into place originally, and after generations that student loans have another meaning. This article discusses the amount of debt the United States is from student loans.

How I Used It: This article helped me discover how student debt came to be and student loans are a huge part of our economy’s debt. I used it to demonstrate student debt is a big issue within the United States, and it has an effect on Americans personal lives. The article highly discussed the $1.3 trillion dollars of student loan debt the United States is in. It helped give a better outlook on student debt.

 

  1. Peterson-Withorn, C. (2014, July 30). How Today’s Student Loan Debt Is Failing Future Generations. Retrieved February 17, 2018, from https://www.forbes.com/sites/chasewithorn/2014/07/30/how-todays-student-loan-debt-is-failing-future-generations/#4d9e5f124b3c

Background: This article discusses the finical aspect of student loans and college. The article gives information on the rise of tuition. This article gives information about student loan debt, and its place in the economy. This article argues that the debt is affecting many millennials.

How I Used It: This article helped me get information student debt affecting not only the graduates but millennials too. This article offered in depth information about loan companies which is a topic brought up in my research paper. This article helped me gain a better understanding of the big role student debt plays in America’s society.

 

  1. Freedman, J. (2014, February 11). Student Loans Are a Drag on The Economy and Society. Retrieved February 18, 2018, from https://www.forbes.com/sites/joshfreedman/2014/02/11/student-loans-are-a-big-drag-on-the-economy-and-society/#7bf123014bc1

Background: This article discusses the original reason student loans were put into place. Student loans were originally put into place to help more people attend college. This article speaks about student debt place in America’s economy. This article offers charts and data to prove their argument.

How I Used It: This article helped me gain information on the burden that college has on personal and financial lives. This article discussed the bigger scare more people are starting to have towards college. Student loans were put into place to help more students have an opportunity to get a college education. This article gives statements from the Department of Education to strengthen their point.

 

 

  1. SlideCasey, C. (2014). Cannot Find a Job After College. Retrieved April 17, 2018, from https://www.moneycrashers.com/cant-find-job-after-college/

Background: This website offers information about careers after having a degree. Even with a degree, careers are not guaranteed. This article gives information on what to do if someone has a degree and cannot find a job.

How I Used It: This article helped me gain information for both sides of my argument. This article is about graduates having degrees and not being able to find a career or job. It offers information about reducing cost of living and restricted budget. Students go to college for the education but also for the careers and salary. Students attend college to not struggle.

 

  1. Weiner, J. (2014, September 05). Why Sally can’t get a good job with her college degree. Retrieved March 20, 2018, from 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

Background: This article offers information about degrees, careers, and student loans. This article offers information on graduates who have degrees for majors that are not in demand. This article speaks about the value of different types of degrees.

How I Used it: This article helped me gain information about the career field. Graduates have degrees for careers that are not in high demand. This article gives statements from the Department of Labor’s Occupational Outlook and the Women’s Law Center. This article offers information about student debt in the United States economy.

 

  1. Nykiel, T. (2018, April 02). Student Loan Interest Rates: Federal, Private, Refinancing. Retrieved January 18, 2018, from https://www.nerdwallet.com/blog/loans/student-loans/student-loan-interest-rates/

Background: This article offers information about student loan interest rates. It provides information about different types of student loan interest rates such as federal student loan, unsubsidized, and subsidized. This article is organized in sections to help explain student loan interest rate, such as how student loan interest rates work, federal, and private student loans.

How I Used It: This article helped me gain information about student loan interest rates. Student loans are finically difficult themselves. But there is an extra cost for borrowing the money from loaners, which is making it an extra burden on millennials.

 

  1. Advisor, C. (2014). What’s the Price Tag for a College Education? Retrieved February 17, 2018, from https://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

Background: This article offers information on the variables that go into college that make the tuition. They give information and estimated prices on tuition prices of public and private universities. They break down and give in depth reason for the cost of college tuition. They organize the article in sections for general price, tuition, fees, housing and meals, books and supplies, and personal expenses.

How I Used It: This article helped me discover all the variables that go into the price of college tuition. It helped me with my opposing argument because there are many variables that go into college which makes tuition prices high. This article also offers a section about not giving up and being afraid of college because of the tuition.

 

  1. Harvard at a Glance. (n.d.). Retrieved February 17, 2018, from https://www.harvard.edu/about-harvard/harvard-glance

Background: This article offers information on the ivy league university, Harvard University. Harvard University is one of the top, most prestigious universities in America. It was established in 1636. Many United States presidents attended there. Harvard is difficult to attend because they need to keep up with their name. It is a very high recognition university.

How I Used It: This article helped me discover the general facts and background knowledge of one of the top universities in America. This article helped me with my student A and student B scenario.

 

  1. O’Shaughnessy, L. (2015, March 13). The biggest problems with America’s colleges. Retrieved February 20, 2018, from https://www.cbsnews.com/news/the-biggest-problems-with-americas-colleges/

Background: This article offers information about the issues with America’s colleges. It gives information on amounts of student aid that is given out during certain schoolyears. This article is organized in sections to help people understand the problems with America’s universities, poor graduate rates, family incentives, lopsided priorities, willful blindness, and general information.

How I Used It: This article helped me discover more information about the general problems with America’s colleges. It helped me argue my point in my research paper, by giving detailed information with reports and facts about America’s colleges.

 

  1. Weissmann, J. (2012, May 17). Does It Matter Where You Go to College? Retrieved February 21, 2018, from https://www.theatlantic.com/business/archive/2012/05/does-it-matter-where-you-go-to-college/257227/

Background: This article offers information about the meaning of the college students attend. This article offers in depth information about the recognition of colleges, and the meaning it has on getting a career. The article also mentions prestigious schools and expensive schools. The university that students choose is very important.

How I Used It: This article helped me discover the value of university names. The career field is very competitive and the recognition of the college the graduate attended can cost someone a career. This article offers data and studies from The Journal of Human Resources.

This article helped me expand my argument throughout my research paper.

 

  1. 9 BENEFITS OF EARNING A COLLEGE DEGREE. (2016, December 09). Retrieved February 17, 2018, from https://www.cbd.edu/9-benefits-college-degree/

Background: This article offers information about the benefits of a college degree. It gives information about the perks and benefits of college. The article offers information about money, employers, and careers.

How I Used It: This article helped me discover additional points on why college is beneficial. This article is organized with sections about nine reasons why college is worth the time and money. This article gave me more information to help my rebuttal argument.

 

  1. (2008, October 05). 25 Best High Paying Jobs Without a Degree. Retrieved April 17, 2018, from https://christianpf.com/paying-jobs-without-degree/

Background: This article offers information about jobs without a college degree. It offers information about technology, many successful businesses are online. College was almost necessary but with the technology there are many other ways to make money.

How I Used It: This article helped me discover some more ways that people can make good money without a college degree. Technology is helping many people make money. People are making online businesses that they are making very good money from. This article offers information about successful ways to make money without a college degree.

 

  1. Ha, L. (2017, September 15). For some freshly minted college graduates, a reckoning with a ‘quarter-life crisis’. Retrieved March 17, 2018, from https://www.cnbc.com/2017/09/08/millennials-face-life-after-college-finding-a-quarter-life-crisis-instead-of-dream-jobs.html

Background: This article offers information about millennials and the education system. This article offers stories from college graduates. Many graduates are having troubles finding a steady career after college. It is difficult for graduates to pay back student loans when they do not have a stable career. This article offers information about many college graduate millennials finding themselves in a quarter life crisis. This article offers a study about social media.

How I Used It: This article helped me discover that the career field is difficult. Careers are not guaranteed with a college degree. Many graduates cannot find steady careers and still have to pay off their student loans. This article gave information about real college graduates that are facing difficulties finding a career. This article helped me argue my argument in my research paper by giving information about graduates personal and finical situations.

 

  1. Long, K. (2016, August 08). Why Your Student Loan Debt May Not Be as Bad as It Seems. Retrieved February 17, 2018, from https://www.forbes.com/sites/financialfinesse/2016/08/07/why-your-student-loan-debt-may-not-be-as-bad-as-it-seems/#61095a8218b8

Background: This article offers information about student debt not being as bad as people make it seem. Student debt is the highest debt America encounters but it is the most beneficial because having a college degree has its benefits. This article offers information about 401k, employers, and careers.

How I Used It: This article helped me with my rebuttal argument for my research paper. This article gives the positives of having student debt. Many people obtain careers after college and the salary people can get from a career makes it easier to pay off the student loans.

 

 

  1. Dickler, J. (2017, August 29). Student loan balances jump nearly 150 percent in a decade. Retrieved January 18, 2018, from https://www.cnbc.com/2017/08/29/student-loan-balances-jump-nearly-150-percent-in-a-decade.html

Background: 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.

How I Used It: 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. Matarazzo, M. (2017, March 29). How is the Student-Debt Crisis Affecting the Lives of College Graduates? Retrieved January 18, 2018, from http://www.genfkd.org/student-debt-crisis-affecting-lives-college-graduates

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

How I Used It: 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. Lanza, A. (2016, January 20). Study: Student Loan Borrowers Delaying Other Life Decisions. Retrieved April 18, 2018, from https://www.usnews.com/education/blogs/student-loan-ranger/articles/2016-01-20/study-student-loan-borrowers-delaying-other-life-decisions

Background: 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.

How I Used It: 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. Frizell, S. (2014, February 27). Student Loans Are Ruining Your Life. Now They’re Ruining the Economy, Too. Retrieved April 18, 2018, from http://time.com/10577/student-loans-are-ruining-your-life-now-theyre-ruining-the-economy-too/

Background: This article proves even though a person has a degree in a certain field it does not mean a career is guaranteed. 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.

How I Used It: 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.

 

 

Research Paper – summergirl1999

Student Debt: Success or Scam

In American society, having a college degree holds weight. Working towards a college degree shows employers that graduates are motivated to succeed. A college degree can determine many things such as, 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 graduates move in the right direction towards success. Every person is distinct, which means personal and finical issues vary. Depending on the person, college can either be worth the time and money or not. College can benefit or draw back students, depending on the specific student. (Student A and Student C. Every student has the choice to attend college. Getting asked the question “Are you going to college?” can be challenging to face for some students. College is a consequential decision that comes with many components. College can either benefit or draw back graduates, depending on the specific student. (Student A and Student C.) A career and well-paying stable jobs in the student’s field of study is not guaranteed a college degree.

Student A, is an example of the positive benefits from attending college. Student C, is an example of the negative effects that can occur from attending college. College tuition alone is expensive, if the student wants the full ‘college experience’ which requires living on campus the tuition rises in price. Public university tuition is averaged at $25,290, and private university tuition is averaged at $50,900. Student A, went to a prestigious high school and received a great education, which resulted in scholarships. Student A, has a finically stable background and money saved, so the remainder of the tuition is not a struggle. Student C, went to an average public high school and received a decent education which resulted in no scholarships. Student C, does not have a stable finical background and a limited amount of money saved, so the price of tuition is a challenge. Student C, has to take out student loans to pay for their entire college education. Students choose to go to college so they have greater opportunity to pursue their career. Student A, chose the career that they have been fascinated with, they enjoy the career and its salary. Student C, also wants to choose the career that they have been fascinated with, but studying that specific career raises the tuition, so Student C selected another career that they do not enjoy as much but offers a suitable salary. In an article called College Data they did a study on the fluctuation of tuition depending on majors:

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.

Depending on the major the student decides to study can determine the price of tuition. Students who choose majors related to the sciences and engineering most often pay more considering the complexity of the degree.

The question “Is college worth it?” is becoming a relevant topic in today’s society. Many people believe that having a college degree is one hundred percent worth everything that is put into it. But many people also believe that the money and time that is put into a college degree is not worth it. There are many factors that go into college itself, and there are many debates on college. Students will make more money and higher salaries from attending college. Students attend college so they can make themselves more marketable to the career field, and to also make a good and stable amount of income. A member from the CBD College community states

Studies have shown that there is an average of $25,000 earnings difference between grads and non-grads… The bottom line is that pursuing a degree increases the ability to find work in the same field, increasing experience and earning potential.

Having a college degree can give a graduate the opportunity to receive higher paying salaries and stable incomes. A college degree can also give a student the potential to receive higher raises. Not every student who receives a degree gets a stable income. Student A attended college, received a degree, and found a career that had a stable salary. Student C attended college, received a degree, and found a job that offered salaries that do not pay enough to pay off student’s expenses. The push to try to make students attend college is leaving many students optioning out the “build your own business” or entrepreneurship idea, which is the idea many of the billionaires in today’s society had. An article from Seed Time, a website that focuses on education states,

25 of the top-paying jobs that don’t require a four-year degree and their average salaries… It is important to note that some of these jobs DO require some kind of a degree, just not a 4-year degree. As many have commented below many of the jobs do require formal training of some kind or even a two-year degree.

Many business companies seek employers that have college degree or training in the specific field.

College graduates can potentially have better employment opportunities. Students go to college so they have a high chance of getting a career in their field of study. Many college graduates (Student A), take-out loans or pay the expensive college tuition because the money they can potentially make from their careers after college is worth it. Pro Con is a website that focuses their attention on students that are indecisive about their college decision. They stated, “In Jan. 2017, the unemployment rate for college graduates aged 25 and over with a bachelor’s degree was 2.5% compared to 3.8% for those with some college or associate’s degrees, 5.3% for high school graduates, and 7.7% for high school dropouts.”

After college, graduates use their degree to get a career in their field of study that they potentially could not get if they did not go to college. Although many people get to use their degree for their benefit by obtaining their “perfect” or/and “dream” career after college (Student A), not all students get to use their degree for their benefit. Even with a college degree, after college not all graduates are able to get a career (Student C.) Many employers compare applicants to find the best fit for the job position. The work place is very competitive, potentially thousands of people can be applying for the same position. Cyrus Williams a counselor and professor at the University Virginia and featured on the news station CNBC to speak about college states,

This is a real issue unique to this generation called ‘a quarter-life crisis, struggling in terms of milestones, getting jobs, parenting, finding jobs, having too many choices, and having debt coming right out of college.

College tuition is very expensive, most college students take out student loans which they are obligated to pay back approximately six months after graduation, so not being able to get a stable, well-paying job after college can lead to major set-backs for college graduates. Graduates who do not get jobs after college are required to pay for necessities such as rent, utilities, and food. Even if graduates are not using their degree they are still obligated to pay back their student loans as soon as six months after graduation.

Student loans are not as bad as they seem. Since college tuition is outrageously expensive, most students do not have the money to pay for it. But there is a solution to that problem, to take out student loans. Students who do not have the money for college, take out loans from banks so they can attend college. Banks loan student’s money in return for the students to pay them bank monthly after the student graduates. An article from Student Loan Hero states “Monthly student loan payment (for borrower aged 20 to 30 years): $351. Median monthly student loan payment (for borrower aged 20 to 30 years): $203.” The goal after college is to acquire a stable career that comes with a stable salary, so the monthly student loans will become manageable for the graduate (Student A). That scenario makes attending college worth it and beneficial. On the other hand (Student C), students take out student loans from a bank for a four-year university. After college, many students cannot find a job in their field of study but they still have to pay for necessities so they are forced to get minimum wage job which pays approximately $7.25. Students attend college so they can get a career where they can earn raises and move up in the company, not a regular job. People have their own personal and finical problems, so without a steady paying career can lead graduates to make certain decisions they potentially would not make if they had stable income.

Taking out student loans are a vast factor of attending college. Students take out student loans if they do not have the money to pay for their entire college education. The process is usually simple, students calculate the full cost of their tuition, students find loaners who lend them the money to attend the college of their choice, in return after the student has graduated they are required to pay back the loans monthly with interest. Interest rates vary by the loaner, undergraduate interest rates vary are estimated at 4.45% and graduate interest rates vary around 6.00%. Students tend to find lenders with the lowest interest rates because interest rates can be a burden. An article from CNBC about millennials facing their lives after college states,

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.

Student A, has scholarships and money saved so they only borrow a small amount of money in loans. Student C is not finically stable, they have to borrow almost their full college tuition in student loans to pay off their education.

Student debt is a huge matter in America, it is one of the top leading and most popular debts that America encounters. An article from Money Watch states, “For the 2013-14 school year, the government sank $126 billion into undergraduate student aid.” Education is important, many students and graduates are finding it challenging to call the college tuition prices reasonable. An article from Student Debt: Lives on Hold is focused on the recent studies of college they state, “Fewer know that growing alongside 42 million indebted students is a formidable private industry that has been enriched by those very loans.” 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. Jackie Krowen is a nurse from Portland, Oregon who encountered a student loan balance of $152,000. “I feel I kind of ruined my life by going to college, a nurse with a student loan balance of $152,000. I can’t plan for an actual future.” Krowen encountered such a massive amount of debt, her student loan debt is causing her to be hesitant about her future.

The enormous amount of student debt is delaying American society, and affecting personal lives. An article from Forbes magazine about student debt affecting today’s society states,

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.

Many graduates are postponing or limiting purchases on common expenses and utilities, because they need to save enough to have the monthly payment. Students attend college to struggle less and be finically free. A report from “Life Delayed” by the American Student Assistance, did research and conducted surveys on graduates that encountered 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.” Having a college diploma should come with great honor and relief, for all of the hard work and time. College loans were originally put into place so more people would have the opportunity to farther their education. But now low and middle-income students are reconsidering college due to the loans. Along with college, loans were put into place to help students no matter their financial background have the opportunity to attend college.

When college graduates apply for careers, most careers look at what college the graduate attended, college recognition. Student 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. Student 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 Student A and Student C both applied for a job for chemistry and physics, Student A would most likely get the job. The Atlantic magazine wrote an article about types of schools and wages. They stated,

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.

Graduates that come out of college with a degree are still not guaranteed a job in the field that they studied nor guaranteed a high paying career right away. 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. After college, it is almost essential for graduates that go out in the real world to have a steady career to pay for all of their expenses, beyond what they owe on their student loans. A reading from The Boston Globe gives insight about the education system, “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.” Loan companies usually give graduates a six-month courtesy period to get themselves organized and ready to pay back their student loans. It is not the universities nor the degrees fault for not being able to seek a job, there are just more college graduates than there are careers. Another quote from The Boston Globe states, “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.” Loan companies do not have high concern about the personal or financial situations that graduates may be in after they finish college, loan companies main concern is getting their money returned to them. A website titled “Money Crashers” was featured on CNN, Forbes, and the Wall Street Journal. The website gives useful tips and helpful advice for graduates that cannot find a steady career. “Stay positive, reduce your cost of living, move back home, and put yourself on a budget.” One of the main reasons students attend college is for the reassurance that they will be finically stable. Job popularity can have an effect on graduates not being able to find careers. A reading from The Washington Post speaks about many students going to college and earning a degree but cannot find a job. They state, “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.” Graduates may have degrees in professions that are not so popular anymore which also means less jobs.

Student 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. Student 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 Student C graduated college, they needed to start paying off their student loans, which can be a huge inconvenience and challenge because Student 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. The Denver Post states,

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.

For Student A, college was worth it because, they had enough financial stability to choose a prestigious college that cost $63,025. Also, because Student A got a career in their field with a steady salary right after college which helped pay off their student loans. For Student 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.

Education is what makes the world go around. It holds so much complexity and value and can structure a person’s life. The choice to attend college is a decision that most students have to face. College Attending college is a choice that is given to everyone. Attending college and having a college degree has its benefits and values. The choice to not go to college also has its benefits and values, it gives a person the opportunity to think outside the box. Both decisions take believing, motivation, and effort. The rise of college tuition and student debt is affecting the personal and finical lives of college graduates and the United States economy. Student debt is impacting many lives of college graduates.

Reference Page

Advisor, C. (2014). What’s the Price Tag for a College Education? Retrieved February 17, 2018, from https://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

(2008, October 05). 25 Best High Paying Jobs Without a Degree. Retrieved April 17, 2018, from https://christianpf.com/paying-jobs-without-degree/

Freedman, J. (2014, February 11). Student Loans Are a Drag on The Economy and Society. Retrieved February 18, 2018, from https://www.forbes.com/sites/joshfreedman/2014/02/11/student-loans-are-a-big-drag-on-the-economy-and-society/#7bf123014bc1

Harvard at a Glance. (n.d.). Retrieved February 17, 2018, from https://www.harvard.edu/about-harvard/harvard-glance

Ha, L. (2017, September 15). For some freshly minted college graduates, a reckoning with a ‘quarter-life crisis’. Retrieved March 17, 2018, from https://www.cnbc.com/2017/09/08/millennials-face-life-after-college-finding-a-quarter-life-crisis-instead-of-dream-jobs.html

Long, K. (2016, August 08). Why Your Student Loan Debt May Not Be as Bad as It Seems. Retrieved February 17, 2018, from https://www.forbes.com/sites/financialfinesse/2016/08/07/why-your-student-loan-debt-may-not-be-as-bad-as-it-seems/#61095a8218b8

Nykiel, T. (2018, April 02). Student Loan Interest Rates: Federal, Private, Refinancing. Retrieved January 18, 2018, from https://www.nerdwallet.com/blog/loans/student-loans/student-loan-interest-rates/

O’Shaughnessy, L. (2015, March 13). The biggest problems with America’s colleges. Retrieved February 20, 2018, from https://www.cbsnews.com/news/the-biggest-problems-with-americas-colleges/

Peterson-Withorn, C. (2014, July 30). How Today’s Student Loan Debt Is Failing Future Generations. Retrieved February 17, 2018, from https://www.forbes.com/sites/chasewithorn/2014/07/30/how-todays-student-loan-debt-is-failing-future-generations/#4d9e5f124b3c

SlideCasey, C. (2014). Cannot Find a Job After College. Retrieved April 17, 2018, from https://www.moneycrashers.com/cant-find-job-after-college/

Student Loan Debt Crisis. (2006). Retrieved February 17, 2018, from https://www.consumerreports.org/student-loan-debt-crisis/

Target Salaries. (n.d.). Retrieved February 17, 2018, from https://www.glassdoor.com/Salary/Target-Salaries-E194.htm

Weiner, J. (2014, September 05). Why Sally can’t get a good job with her college degree. Retrieved March 20, 2018, from 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

Weissmann, J. (2012, May 17). Does It Matter Where You Go to College? Retrieved February 21, 2018, from https://www.theatlantic.com/business/archive/2012/05/does-it-matter-where-you-go-to-college/257227/

9 BENEFITS OF EARNING A COLLEGE DEGREE. (2016, December 09). Retrieved February 17, 2018, from https://www.cbd.edu/9-benefits-college-degree/

Self-Reflective Statement – summergirl1999

 

Core Values

Core Value 1. My work demonstrates that I used a variety of social and interactive practices that involve recursive stages of exploration, discovery, conceptualization, and development.

Throughout the semester I used a variety of social and interactive practices. Although our focus throughout the semester was our 3000-word research paper, we learned many things and did interactive activities and that helped a lot. By learning about other social topics that are interesting other than just our topic about what we wrote our paper about helped me get my ideas flowing. In the beginning of the semester we read and listened to a podcast about “Stone Money,” which was about currency in other places. We spoke about it in class, and many classmates gave their own opinions on the topic and it made the conversation very interesting and educational.

Core Value 2. My work demonstrates that I read critically, and that I placed texts into conversation with one another to create meaning by synthesizing ideas from various discourse communities. 

Throughout the semester I learned how to better my critical reading skills. I know how to look at texts and create more meaning from the ideas. A task we had to complete this semester was called “Safer Saws.” Before this semester I would have probably read the different articles and create meaning from the general point. But now with proper training and practice, I recognized the different claims the different people of the article were making. Analyzing people and their points more clearly in texts and articles, shows the different aspects of the piece. Especially when the text is relevant to today’s society, identifying the type of claim a quote or text is gives it more complexity.

Core Value 3. My work demonstrates that I rhetorically analyzed the purpose, audience, and contexts of my own writing and other texts and visual arguments.

Throughout the semester I can definitely say that my writing has improved in many aspects. Starting off the semester I was nervous about the long 3000-word research paper that was mandatory to turn in at the end of the semester. I am not nervous anymore, because I know I accomplished complexity throughout my paper. In my paper, but more specifically throughout my rebuttal essay my writing demonstrates that I analyzed the purpose, audience, context, and visual representation of my work. My purpose throughout my essay was to inform students about college, especially in my Rebuttal Argument I use a clear visual representation of two fictional students, Student A and C who both attended college but have different outcomes.

Core Value 4: My work demonstrates that I have met the expectations of academic writing by locating, evaluating, and incorporating illustrations and evidence to support my own ideas and interpretations.

Throughout my research essay, especially through my Causal Argument, I have met the expectations of academic writing by locating, evaluating, and incorporating illustrations and evidence to support my own ideas and interpretations. In my causal essay, I give plenty of detail and background on the advantages and disadvantages of a college education. I also bring up two different students, Student A and Student C who both went to college but encountered a different outcome, which I used as a visual illustration throughout my essay. There is a great amount of information and detail for the argument, I evaluated the information and quotes that are provided for both pro and con for having a college education. Throughout my essay I mention my own evidence and thoughts.

Core Value 5. My work demonstrates that I respect my ethical responsibility to represent complex ideas fairly and to the sources of my information with appropriate citation.

While writing an essay, especially an argumentative essay it is very significant to include information, fact, and detail for both sides of the argument. The job as a writer for an argumentative essay is to persuade the reader to agree with the point that is emphasized within the paper. My writing demonstrates that I respect my ethical responsibility to represent complex ideas fairly and to the sources of my information with appropriate citation. one of the keys. While writing my argumentative essay, especially my Causal Essay, I came across many sources, some that were untrustworthy and highly opinionated, I made sure I looked over sources closely. One of the many keys of writing a research essay, is using reliable and trustworthy sources.


Extra Material (not required)

Summergirl, I appreciate that you answered these questions, but they were provided by the Writing Arts Department as brainstormers, not part of the actual assignment requirements. I’ve moved them to the bottom of your post so your classmates won’t be confused and think they need to answer them as part of the Self-Reflective assignment.

Paper 1: Definition Argument

Writing is an art within itself; it takes a lot of effort and time. Finding sources took time because there are many aspects of the paper, and it is tricky to find reliable sources. Finding the sources was a more complicated process. Writing an annotated bibliography was very helpful because instead of taking the time for searching for what source I need, it was easy to have a brief summary of what the article was about. Having a conference with my professor was very helpful, it gave me more insight of my topic and taught me how to properly cite APA style.

Although my research paper is for my comp 2 class and an important grade, my topic is much bigger than that. My topic is about the pros and cons of a college education, which is a topic that is not spoken about that much but is a big decision. My ideas evolved from the work of others from websites and people stating facts and opinions about college, but I added most of my own thoughts and ideas.

One of my many sources for my research paper is from Forbes, called “How Today’s Student Loan Debt is Failing Future Generations.” Forbes is a well-known and credible source. It is important to use credible sources because if people read an argumentative paper without knowing what side they are on using quotes and information from credible sources can influence a person’s opinion.

Paper 2: Causal Argument

I used the combination of sources that I chose for my research paper because the sources give backup facts on my argument, my sources also give insight on my research topic. Each source that I used for my research paper played a distinct role because they give insight on my topic, give details about ivy league colleges, and details about white collar work.

Doubts some readers might have while reading my paper is the cons about college, since college is such a pushed issue within American society people that are pro college fully would probably be uneasy about the con facts about college.

Paper 3: Proposal Argument

My three papers show a multi-stage process, within each paper holds its own valuable information debating both sides, providing information, and scenarios to inform people about college as a whole, not just the benefits of a degree which is preached to most Americans.

Unique considerations that go into making a strong proposal argument is the thesis. Thesis’s in research papers are very important because it is the core of the argument and paper, including a strong thesis in a research paper makes the paper and the point trying to be made strong.

“I will examine the large amount of student debt in the United States of America. Student debt impacts graduates negatively in American society. Most Americans go to college to earn a college degree, so they do not have to struggle that much in life.” My target audience was students who are debating going to college or want to start pursuing something without attending college. I was appealing to that audience by starting off the proposal with the words “student debt,” students especially college students know those scary words, “student debt” can be an eye-catching phrase.

Grammar Exercise – summergirl1999

If a primary caretaker has a negative attitude toward his or her child, it increases the risk that their child will grow up hostile towards others. It is not just aggression toward others that results from child abuse, a large amount of children raised by abusive parents also harm themselves. The reason for this negative behavior is because the children do not learn appropriate techniques for handling life’s disappointments. If you are not raised with coping skills, children are much too likely to act ‘inappropriately’ than if you have developed more reasonable approaches. The effect of poor parenting as reported by Dr. Geoffrey Dahmer in “The Bully Papers”, is that everyone gets the child that they deserve.

 

rebuttal rewrite – summergirl1999

Rebuttal Essay

College: Grand Slam or Scam?

 

Every student has the choice to attend college. Getting asked the question “Are you going to college?” can be challenging for some students. College is a big decision to make and it comes with many factors. College can benefit or draw back students, depending on the specific student. (Student A and Student C.) In American society, a college degree in American 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. Students encounter their own personal and financial issues, and college can have the effect of leaving students in sticky situations. Even with a college degree, a career and well-paying stable job in the student’s field of study is not guaranteed.

Students will make more money from attending college. Students attend college so they can make themselves more marketable to the career field, and to also make a good and stable amount of income. A member from the CBD College community states “Studies have shown that there is an average of $25,000 earnings difference between grads and non-grads… The bottom line is that pursuing a degree increases the ability to find work in the same field, increasing experience and earning potential.” Having a college degree can give a graduate the opportunity to receive higher paying salaries and stable incomes. A college degree can also give a student the potential to receive higher raises. Not every student who receives a degree gets a stable income. Student A attended college, received a degree, and found a career that had a stable salary. Student C attended college, received a degree, and found a job that offered salaries that do not pay enough to pay off student’s expenses. The push to try to make students attend college is leaving many students optioning out the “build your own business” idea, which is the idea many of the billionaires in today’s society had. 25 of the top-paying jobs that don’t require a four-year degree and their average salaries, based on data from the BLS and CBSSalary.com It is important to note that some of these jobs DO require some kind of a degree, just not a 4-year degree. As many have commented below many of the jobs do require formal training of some kind or even a two-year degree” (Seed Time.)

College graduates can potentially have better employment opportunities. Students go to college so they have a high chance of getting a career in their field of study. Many college graduates (Student A), take-out loans or pay the expensive college tuition because the money they can potentially make from their careers after college is worth it. “College freshman in 2015 said they attended college to “be able to get a better job.” In Jan. 2017, the unemployment rate for college graduates aged 25 and over with a bachelor’s degree was 2.5% compared to 3.8% for those with some college or associate’s degrees, 5.3% for high school graduates, and 7.7% for high school dropouts” (Pro Con). After college, graduates use their degree to get a career in their field of study that they potentially could not get if they did not go to college. Although many people get to use their degree for their benefit by obtaining their “perfect” or/and “dream” career after college (Student A),not all students get to use their degree for their benefit. Even with a college degree, after college not all graduates are able to get a career (Student C.) There is a lot of comparing applications for the job position. The work place is very competitive, potentially thousands of people can be applying for the same position. Cyrus Williams a counselor and professor at the University Virginia states “This is a real issue unique to this generation called ‘a quarter-life crisis, struggling in terms of milestones, getting jobs, parenting, finding jobs, having too many choices, and having debt coming right out of college” (CNBC.) College tuition is very expense, most college students take out student loans which they are obligated to pay back approximately six months after graduation, so not being able to get a stable, well-paying job after college can lead to major set-backs for college graduates. Graduates who do not get jobs after college are required to pay for necessities such as rent, utilities, and food. Even if graduates are not using their degree they are still obligated to pay back their student loans as soon as six months after graduation.

Student loans are not as bad as they seem. Since college tuition is outrageously expensive, most students do not have the money to pay for it. But there is a solution to that problem, to take out student loans. Students who do not have the money for college, take out loans from banks so they can attend college. Banks loan student’s money in return for the students to pay them bank monthly after the student graduates. Average monthly student loan payment (for borrower aged 20 to 30 years): $351. Median monthly student loan payment (for borrower aged 20 to 30 years): $203” (Student Loan Hero.) The goal for after college is to acquire a stable career that comes with a stable salary, so the monthly student loans will become manageable for the graduate (Student A). That scenario makes attending college worth it and beneficial. On the other hand (Student C), students take out student loans from a bank for a four-year university. After college, many students cannot find a job in their field of study but they still have to pay for necessities so they are forced to get minimum wage job which pays approximately $7.25. Students attend college so they can get a career where they can earn raises and move up in the company, not a regular job. People have their own personal and finical problems, so without a steady paying career can lead graduates to make certain decisions they potentially would not make if they had stable income.

 

Reference Page

 

(2008, October 05). 25 Best High Paying Jobs Without A Degree. Retrieved April 09, 2018, from https://christianpf.com/paying-jobs-without-degree/

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

Long, K. (2016, August 08). Why Your Student Loan Debt May Not Be As Bad As It Seems. Retrieved April 09, 2018

https://www.forbes.com/sites/financialfinesse/2016/08/07/why-your-student-loan-debt-may-not-be-as-bad-as-it-seems/#61095a8218b8

9 BENEFITS OF EARNING A COLLEGE DEGREE. (2016, December 09). Retrieved April 09, 2018, from https://www.cbd.edu/9-benefits-college-degree/

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

 

Causal Rewrite – 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 many things such as, 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 attending 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 financially  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. Money Watch is an article featured on CBS News that speaks about college and the financial issues that come with it they stated, “For the 2013-14 school year, the government sank $126 billion into undergraduate student aid” (MoneyWatch.)

Graduates 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. The Atlantic Magazine covered an article about careers and wages they stated, “For the class of 1972, the wage boost was just 9 percent.”

A career is not always 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.

Reference Page

NACAC, College Data, College Education, https://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

Nykiel Teddy, March 19, 2018, Student Loan Interest, https://www.nerdwallet.com/blog/loans/student-loans/student-loan-interest-rates/

Harvard at a Glance, Harvard University, https://www.harvard.edu/about-harvard/harvard-glance

O’Shaughnessy Lynn, March 13, 2015, Money Watch, CBS News, https://www.cbsnews.com/news/the-biggest-problems-with-americas-colleges/

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

Weissmann Jordan, May 17, 2012, does it Matter Where you go to College, The Atlantic, https://www.theatlantic.com/business/archive/2012/05/does-it-matter-where-you-go-to-college/257227/

But Enough About You – summergirl1999

But Enough About You

 

Money seems to have a big role in our society; we can’t do much or get far if we don’t have any. Money is valuable in different ways, even when we don’t see it physically. In today’s society we must have faith in the government and in the banking system that our money is being handled in the proper manner; if not, then we would have to hide all of our money under mattress’ or around the house. I have no clue what happens in the banks, or how they take care of America’s money. I always thought money was simple; people either have money or don’t—that’s it. However, being introduced to this assignment, the Yap Fei, US gold, French francs, Brazilian cruzeros, and debit accounts now seem similar. People don’t actually see your money being transferred. When people get paid, they aren’t handed cash, they don’t receive a physical check, the money’s all directly transferred to their bank accounts, and Americans are obligated to trust that they got more money.