Pros And Cons Of Student Loan - 1256 Words

Applebaum laments that from the student loan industry point of view, the student debt is there to help the loan providers amass funds from the youngest, economically vulnerable and financially unstable of which graduates form the majority. The loans have come with immense opportunity cost as the â€Å"educated poor† are not able to buy homes, invest or innovate, start businesses or engage in economically viable activities while the few up the echelons of power are benefiting. Tuition rates have escalated due to the flooding of student loans which allow people to pursue any degrees; further decimating the job market. The loans lack basic consumer protections, eliminating the risk of lenders who issue the loans. Mangis (2012) discusses the pros and cons of student loan forgiveness. As a major advantage of the program, students will be relieved the burden of paying the loans in full besides checking interest rates. This will lower monthly loan repayments and increasing chances of affordability of student loans. However, the Obama Student Loan Forgiveness just applies to federal loans and no incentive is provided for private loans. According to Wolfers (2011), the program will have immediate stimulative impact to the economy by increasing the consumers’ disposable income, consequently leading to hiking in consumer spending, more employment opportunities, businesses increasing their hiring and emergence of a new period of innovation, economic prosperity, and entrepreneurialShow MoreRelatedReasons For Why Student Dropout1257 Words   |  6 PagesI live in a small town and all the students I’ve seen that dropped out said how their financial aid didn’t cover their college expenses. I love where I am from but I refuse to go back to Plymouth because my financial aid wouldn’t cover everything. Some reasons and assumptions to why student dropouts are: school isn’t for everybody, the work is too hard or they couldn’t balance out partying and school work. Although there are many explanations as to why students dropout; financial aid issues is theRead MoreMr. President Obam A Maj or Problem990 Words   |  4 Pagesproblem. This education system has to change. We as students need the federal government to find a better way for us to attend school and not have to pay a lot of money for it. Students in this generation are not going to college just because it costs more money than they can spend. The only way the students to go to school would be to get loans, unless they get scholarships. The main issue is the loans that need to be paid back by the college students 6 months after they graduate. This could be a bigRead MoreRefinancing Your Student Loans972 Words   |  4 PagesRefinancing your student loans means that a private lender is essentially buying your Federal student loans, paying them off, and creating a new loan that it will lend to you on new, original terms. The new terms of your refinanced loan will be based off your credit reports, credit score, and other requirements. The new private loan terms include, among other things, a new interest rate and potentially a new term (the length of time over which you have to repay your loan). For example, you couldRead MoreA Modern Day Setback That Affects The Majority Of Americans1623 Words   |  7 Pages18-year-old high school student thinking about your future and college. In this situation, you are the student who gets excellent grades and works hard but isn’t financially stable. You, like lots of others, have dreamed of pursuing your education at the schools you have been accepted to but, you have come to the conclusion that it’s not possible for you to attend those schools because of your financial situation. Thus, you’re forced to attend a community college or take out loans that will leave youRead MoreOntario Student Assistance Program ( Osap )1727 Words   |  7 PagesOntario Student Assistance Program (OSAP) OSAP, a program designed to benefit Ontario residents in need; they can apply to receive a Canada-Ontario integrated student loan through the Ontario Student Assistance Program or OSAP. The program was started back in the 1990’s, by the Ontario government to enable those with lower incomes to receive loans, grants and scholarships which allows them to have the ability to pay for their post secondary education. To completely understand the relationship betweenRead MoreQuestions On Sources Of Finance1696 Words   |  7 Pagescompanies listed on the London Stock Exchange and will find their most current financial statements based on the last 5 years. I have selected Tesco and Sainsbury’s as my two non financial companies. Thirdly, I will then define and converse the pros and cons of each source of funding and compare and contrast between one another. In addition, will be evaluating the differences and compare the two non-financial companies over the 5 year phase. I will then calculate the financial values through my researchRead MoreHealth Care Provided By Primary Care Providers1077 Words   |  5 Pagesproviders are aging, half of the countries physicians are over fifty, and will soon be retiring. Another reason for the shortage is the pay of primary care providers compared with specialty pay. New doctors have heavy student loan debt and are prompted to go into a specialty to pay their loan debt faster (Mercer, 2013). Advanced practice nurses often have strict limitations on the care they provide, contributing to the problem. There are different regulations over the United States which are set by theRead MoreIs The Cost Of College Too High?1666 Words   |  7 PagesIs the Cost of College too high? College can further education, but it can lead students in the direction of debt in the future. College is not for everyone, but a majority of people choose to further their education. Education is not cheap, but should that change a students decision? Students should be concerned about the price of college and think about the long term pros and cons. College leaves many students in debt after they graduate. Being in debt can affect peoples lives dramatically, butRead MoreThe Rising Cost For Pursuing A Postsecondary Education916 Words   |  4 Pagesa job position is difficult without an adequate college education. The primary problem is the rising cost for pursuing a postsecondary education makes it difficult for students to afford and complete their college degrees. Tuition has doubled three times since 1980 and outpaced the nation’s inflation rate whereas the student loan debt is at its highest at over $1 trillion (Sobel, 85). That is comparably higher than the rate of cr edit card debt (Education). Current policies by legislators do not directlyRead MoreStudent Lo 7 Students Loan887 Words   |  4 Pages7 student loan myths debunked When it comes to student loans, there is a lot of information to take in—especially for a new college student who is exploring their financing options for the first time, or a new graduate who has just started paying off their student loan debt. With all of the different information out there, it can be easy to get confused, and perhaps even misunderstand certain things about student loans. The following are some common student loan myths, debunked: Myth #1: I’m not

Just Human. What Does “Being A Human” Even Mean The...

Just Human What does â€Å"being a human† even mean? The Merriam-Webster dictionary defines human as relating to or characteristic of people or human beings. According to scientists, humans are multi-celled organisms with human attributes. These definitions are not wrong, but they do not explain the importance of actually being human. I mean humans literally rule the world. The definitions of being a human also include having character, personality, and feelings that differentiate between each of the eight billion people on this planet. In other words, people are more than just a nose, two arms, two legs, a head and so forth. We have duties, we have responsibilities, and we have moral standards. During the Victorian Era, Rudyard Kipling’s â€Å"If†,†¦show more content†¦Ã¢â‚¬Å"If† is a poem that depicts the importance of moral standards of a human being, especially between parent and child. The author begins speaking to the listener by saying, â€Å"If you c an keep your head when all about you; Are losing theirs and blaming it on you; If you can trust yourself when all men doubt you; But make allowance for their doubting too† (Kipling, 1895, lines 1-4). Kipling tells the listener that if you lose, do not let others blame you but also allow their blame because if could help you. All people will hate and blame, but you have to block these people out and focus on yourself. Kipling writes, â€Å"If you can meet with Triumph and Disaster; And treat those two impostors just the same† (Kipling, 1895, lines 11-12). Here Kipling capitalizes ‘Triumph’ and ‘Disaster’ and personifies these words and makes Triumph and Disaster as people. The author advises the listener to treat both the same (triumph and disaster). Do not gloat or boast in your triumphs and do not dwell in the sorrows of your disaster. This depicts the theme of morality and ethics in that you should not brag about your triumphs, you should em brace them quietly and keep your arrogance hidden. When playing a game of any kind, may it be board game or sport event, the golden rule is to never be a sore winner or loser. This shows that the father is teaching his son the noble way of winning and losing. Rudyard Kipling keeps writing,Show MoreRelated Evil and Morality Essay1266 Words   |  6 PagesThe existence of God may mean a great deal too many people; however does his existence mean that he can control evil and morality in humans? Human beings are born every second, minute, and hour of the day. Each human being born will hopefully grow up and make something of themselves, to ultimately become contributing members of society. In order to do so, each individual human being may battle what many before him or her may battle each day, and that is evil and morality and possibly the existenceRead MoreMorality of Sex Essay1107 Words   |  5 Pagespurely biological standpoint, sexual intercourse is the means for what might be considered the most important biological function of humans – reproduction, the continuation of our species. But, as beings concerned with not only the biological aspects of life but also with morality, we must ask the question: when is it morally appropriate to engage in sex? Let us throw religion to the wind, for the time being. Obviously, different religions (and even different sects of a single religion) have wildly varyingRead MoreScientology: A Ron Hubbard Creation Essay1271 Words   |  6 Pagesâ€Å"Science without religion is lame, religion without science is blind.† ― Albert Einstein. According to the Merriam Webster Online Dictionary, religion could be defined as, â€Å"an interest, a belief, or an activity that is very important to a person or group†. In other word a religion could mean a belief in a supernatural controlling power. In todays society there are many well renowned religions such as Christianity, Judaism and Islam. The main thing that all of these above mentioned religions haveRead Moreâ€Å"Are You Happy Now?† Essay1541 Words   |  7 Pagesdefine happiness, as the things one possess; others may define it as doing a good deed and the feeling one has after doing a good deed. Merriam-Webster defines h appiness as, â€Å"a state of well-being and contentment† . Even Aristotle acknowledges that everyone disagrees on the definition of happiness because we all have a different thought-process and prior knowledge. Even though there are many definitions to happiness, both Aristotle and John Stuart Mill take a similar approach when attempting to defineRead MoreAnalysis Of The Metamorphosis Essay1390 Words   |  6 PagesValerie Thomas English 1101 17 November 2016 On Being Human Merriam-Webster Online defines â€Å"dehumanization† as, â€Å"to deprive of human qualities, personality, or spirit† (Merriam-Webster) This means that a person is denied their own personal opinions, characteristics, or dreams, in favor of another person overriding them in favor of their own or for none. Deprivation of these things separates an individual from the fact that there is a person that is being dealt with in a given situation. This dehumanizationRead MoreDoes a Cell-Phone Conversation Affect Reaction Time?1048 Words   |  4 Pagespeoples attention away and onto their phone. Cell phones even cause fatal crashes. Studies have shown that cell phones pull a drivers attention away, and onto their phones, causing their reaction time to slow down. In my experiment, I will be testing to see if it is true, that cell phones slow down your reaction time. If cell phones do affect reaction time, then it would show how cell phones do affect us while driving. According to Merriam-Webster Dictionary, reaction time is the time required forRead MoreEssay on The Abortion Debate1351 Words   |  6 Pagesthe womb (Merriam-Webster). It is a moral decision many women are faced with each day and heard about by most people in society in one way or another. Some struggle with having to help a friend make the decision or must make the decision themselves. Others hear about abortion protests outside Planned Parenthood or other abortion clinics; they hear about marches against abortion and for prenatal testing so babies are born healthier such as March of Dimes in Washington, D.C.. There is even talk aboutRead MoreWhat Is Revealed About Human Nature ( From Gen 1-2 )?981 Words   |  4 Pages†¢ What is revealed about human nature (from Gen 1-2)? Humans were created in Gods image. In Genesis 1-2, human beings are created to live and take care of what God has formed. God placed Adam, and then Eve, on earth. He created them from the dust of the earth. God spoke to Adam and gave him all the animals to name. Adam was also given the task of tending to and growing the Garden of Eden. Human nature is confirmed to be obedient to God and his word. (Bible - ESV, Genesis 1-2) God wanted human natureRead MoreUpchurch Shawna EDUC 205 Learning Theory Paper1384 Words   |  6 Pageswas study by many great Psychologists over the years. Just to name some that had done work and publish books on the subject are, John Watson, Ivan Pavlov, Clark Hull, and B.F. Skinner. Behaviorism is defined as,† a school of psychology that takes the objective evidence of behavior (as measured responses to stimuli) as the only concern of its research and the only basis of its theory without reference to conscious experience. (Merriam-Webster, para. 1) Then it would be best to give the definitionRead MoreWomen can Stand with Men819 Words   |  3 PagesThe word women is defined by Merriam-Webster as â€Å"an adult female human being† or as shocking as â€Å"the girlfriend, wife or lover of a man†. The word women, plural, or woman, singular, can be said derives from the words men, plural, and man, singular, a word defined by Merriam-Webster as an â€Å"adult male human being†. In my point of view, this shows how women are overpowered by men and characterizes the battle of the sexes women struggle with every living moment. This essay will pertain to how women should

Platos Republic Three Parts of the Soul Essay Example For Students

Platos Republic Three Parts of the Soul Essay Plato talks about the ability Of a person to be indecisive about actions such as drinking when something in their soul forbids them to do so even if they desire it. This indecisiveness can be transformed into internal conflict between more than one part of the soul. One part of the soul is the rational part and the part that lusts, hungers, thirsts and gets excited is the appetitive part (Dodd). Plato then identifies a third part of the soul, the spirited part, which is used to create motions. Appetite sis really big part of our souls. It contains both necessary desires, which should be indulged (such as the desire to eat enough to stay alive) and unnecessary desires, which should be limited (such as the desire to eat your entire birthday cake). Though the appetite lusts after many things, Plato says its money-loving, since money is required for satisfying most of these desires. It is therefore obvious to Plato that the rational part of the soul should rule, as the rulers in the cubby do, because they both display the virtue of wisdom and can Hereford exercise foresight on behalf of the entire soul. 441 e) Similarly, just as the guardians assist the rulers in maintaining justice within the city, the spirited part of the soul will use emotions in order to maintain order and harmony within the soul which is justice. These two parts of the soul will be able to control its appetitive part, which may, through its insatiable desire for money, attempt to overthrow its particular role and rule over the body and eventually the classes that it is not naturally suited to rule over (AAA). Consequently, justice in the individual and justice in the city would be overturned leading to chaos and war. The rulers and guardians exist in order to control and direct the producers Who are the majority of the population, as the rational and spirited parts of the soul rule the desires of the individual. Therefore a just person would be one with a spirited part of the soul that would persevere through pleasures and pains in order to carry out the rational parts intentions on what should be feared and what should not (Bibb). This ability is identifiable as the virtue of courage, which s evident in the guardians. Moreover, this pattern of parallel virtues between the city and the soul continues as a persons reason is most able to make decisions about what is advantageous for each part and for the whole soul when he/she has the knowledge associated with wisdom, As a result the desires should be kept in a state to moderation by the rational part tooth soul so that the ruler and the ruled both agree that the rational part should rule and not engage in civil war (ICC). In conclusion, justice in the individual is similar to justice within the city here a person puts himself in order, is his own friend, and harmonize the three parts of himself like three limiting notes in a musical scale (44th). In the city, justice is obtained by the three parts of society each fulfilling their role as best they can, and displaying the same three virtues of wisdom, courage and moderation. This leads to a harmony between the parts, the best possible combination, which is described as justice by Plato both within the city and Within the soul. This should be Obvious as; after all, a city is made up Of many individuals. The harmonious or rightly ordered soul, then, is one which practices the virtues Of each part. The virtue Of the appetites is moderation: the virtue Of the spirit is courage; the virtue of the intellect is wisdom. Through these virtues the human soul attains a certain concord or integrity, which Plato understood as the only real happiness worthy of the name. The overall purpose of the Republic is for Plato to understand what makes people happy, He discovers this through the process of dividing the soul up and seeing how they work together. .u28217f82c3dfc3cf04e0d1e7b03df36b , .u28217f82c3dfc3cf04e0d1e7b03df36b .postImageUrl , .u28217f82c3dfc3cf04e0d1e7b03df36b .centered-text-area { min-height: 80px; position: relative; } .u28217f82c3dfc3cf04e0d1e7b03df36b , .u28217f82c3dfc3cf04e0d1e7b03df36b:hover , .u28217f82c3dfc3cf04e0d1e7b03df36b:visited , .u28217f82c3dfc3cf04e0d1e7b03df36b:active { border:0!important; } .u28217f82c3dfc3cf04e0d1e7b03df36b .clearfix:after { content: ""; display: table; clear: both; } .u28217f82c3dfc3cf04e0d1e7b03df36b { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u28217f82c3dfc3cf04e0d1e7b03df36b:active , .u28217f82c3dfc3cf04e0d1e7b03df36b:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u28217f82c3dfc3cf04e0d1e7b03df36b .centered-text-area { width: 100%; position: relative ; } .u28217f82c3dfc3cf04e0d1e7b03df36b .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u28217f82c3dfc3cf04e0d1e7b03df36b .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u28217f82c3dfc3cf04e0d1e7b03df36b .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u28217f82c3dfc3cf04e0d1e7b03df36b:hover .ctaButton { background-color: #34495E!important; } .u28217f82c3dfc3cf04e0d1e7b03df36b .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u28217f82c3dfc3cf04e0d1e7b03df36b .u28217f82c3dfc3cf04e0d1e7b03df36b-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u28217f82c3dfc3cf04e0d1e7b03df36b:after { content: ""; display: block; clear: both; } READ: Timeline History Of Russia 1533-1991 EssayUltimately, if you live a just elite you live a elite of sides and your rational side comes first. If you live an unjust life you live your elite by honor, victory, or money. Most men and women living unjust lives have a one-track mind. They forget their other priorities and doing whats right just 50 they get what they want. Just people always beat and unjust person and live a happier and fuller life, His separation of the soul is very simplistic altogether. However, his individual ideas were very complex. Plato wanted us to to think for ourselves to discover how we decide to arrange our parts of the soul.

Why Fashion free essay sample

Some people can pinpoint the moment they realized they wanted to be an artist or a doctor or a teacher, but for me, there was never one single moment when I knew I wanted to go to school for fashion design. It’s something that’s been accumulating over many years of loving art, clothes, and color. I’ve watched my mom make a living out of art as a graphic designer and I guess you could say I’m following in her footsteps somewhat, maybe next to her footsteps. While I can’t pick the moment I knew I loved fashion design I can get a little closer to the moment I realized I loved New York City and knew it was where I wanted to go to school. Since freshman year I’ve been telling people I’m going to go to school in New York. I visited the city for the first time in eighth grade on a class trip. We will write a custom essay sample on Why Fashion? or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I was interested in fashion at this time, but still had no idea the way New York revolved around it. Needless to say I fell in love with the city and had my mind set on spending a good deal of time there. When I got to high school I took art classes for all of my electives and had already taken a small fashion course in middle school. I began looking at colleges and I knew that New York City would have the best design schools; the trouble was deciding which one was the best fit for me. I found FIT to be a good fit for me because it throws you into your area of interest immediately and immerses you in the culture of New York City, two things I have great passion for. I feel like I will benefit from FIT because I know the fashion design program is rigorous and probably stressful at times, but that is one of the things I love about the fashion industry. It’s constantly moving, changing and looking ahead. There’s no time to slow down and think about anything but what’s coming next. I need something that is going to change and evolve with the times and with me as a person and I know fashion design does that and FIT will help me get there. Not only is fashion an ever changing industry, it is an expressive industry. In situations where it’s difficult to get your words out right, the way you present yourself is a form of speaking. I like fashion and art in general because I can use it to reveal things about myself to people who don’t know me that well and to express my opinions or feelings. People who say they don’t care about fashion or clothes are still expressing themselves through it whether or not they do it knowingly and that is another reason I love it. It’s a subconscious form of expression and it helps to understand and get to know a person. Once I got settled in high school and got more comfortable in my art classes I moved my focus towards learning more about design. My school offers a lot of art classes but unfortunately fashion design is not in the curriculum so I had to search for the experiences on my own. The summer after my freshman year I took a two week class at Massachusetts College of Art and Design in Boston. I went in at 8 each morning and learned how to thread a bobbin, draw a figure with fashion proportions and even constructed my first garment. There were ups and downs to this program. I had to create my own pattern from scratch and the instructor never once went over how to do that. Luckily for me, my mom’s friend is a seamstress who went to design school herself. She stayed up with us until 5 am that day teaching me and helping me. Now, I take private lessons with the same woman and my own sewing has improved drastically in just a short time. That experience didn’t break me down; in fact it made me want more. Over the past two summers I’ve attended pre-college programs focused on fashion design, one at Pratt Institute and one at Marist College. I would say those pre-college programs have been the best experiences of my life thus far. They helped me realize this was what I need to be doing, and I don’t want to give up until I am doing it.