Students Debts in The United States
Order ID 53563633773 Type Essay Writer Level Masters Style APA Sources/References 4 Perfect Number of Pages to Order 5-10 Pages Description/Paper Instructions
Students Debts in The United States
Students debts in the United States are a sort of financial support that has to be payback, in contrary to other kind of financial support like as scholarships and releases. Student debts contribute big role in U.S. higher studies . Around 20 million Americans join college every year. Out of that 20 million, nearly 20 million or 60 % take debt annually to support cover costs. In Europe, advance education is in addition subsidized for learners and financially aided by government. In fraction of Asia and Latin America maximum after secondary education is yet private with small financial support by the governments. Whatsover, in the U.S. many of college is financially aided by learners and their relatives with government bodies being financially aided in fraction by state and localized taxation, and combined private with public bodies through extra rewards from social welfare and students.
The interest rate currently is 3.4 percent p.a, wherein debates are in to increase same to 6.8 percent p.a, which seems to be the exactly double of the current interest rates.
The argument is that forgiveness of students loans will stimulate job growth and overall economy growth and will lead more people to get an education. But, it will never be an investment for collective growth as a country.
Every week, new petitions popups emerge urging the government to forgive all students debts.
The theory is simple, if we provide one time bailout of students loan debts, it in a way would stimulate the upliftment of sluggish economy.
After all, college graduates are the people, who are required by the society to do things like improve business, purchase homes, and cars, make discoveries , invent new things, initiate new ideas, have families, have kids and people burdened with loans do not likely make such investment of take such initiatives.
Thus unburdening them will improve the housing market commodity market, stock market and would eventually result in overall economic growth.
With the acceptance of this proposal by the president , millions of people in America , would all of a sudden have hundreds , in some cases, thousands of dollars in their pockets to invest in various industries and contribute to the overall improvement of economy.
Education loan has become the latest financial crisis in USA and if nothing is done absolutely , then the entire economy will eventually come slugging down again, as it happened earlier when coming loan is we pop up.
Those who are burdened with student loan debts, do not even think of making any investments etc, wherein we desperate people to indulge into activities which would help us pull ourselves out of the giant hole created .
This particular reasoning may sound to be very expensive but same was the condition with the banks and auto bailouts and the thinking goes as bankers and auto maker like “fat cats” get a forgiveness, why not students?
A better approach to this problem would to this problem would be that the loan providers to have a better way of distinguishments between those who really need waveout and those who don’t. But this task is actually very difficult.
There are people, who can afford to pay debts, pay off their student loan. There are some borrowers who actually are not capable and need a waveout immediately. But there are many who will have give up a part of their income to repay loan. So if the forgiveness of student loan is available everyone would go for it irrespective of whether they actually need it or not.
Forgiving educational loans will lead to more people to get an education.
If students loan have a policy of forgiveness attached with them, it would encourage many more students to opt for higher studies with student loans. They would have this assurance that we are not able to pay back their loans, government would forgive their loans. And they would be able to led their making concrete and other investments of their incomes and therefore contributing to the overall economic growth of the country as a whole.
But we should also understand that forgiving student loans will in no way be an investment for enhancement of collective future of a country.
Lets understand this to two major aspects –
Distribution reason – If we are going to give money in the form of forgiveness of student loan. Why would we ever give it to college students which can afford to payback and are good in studies.
We would rather give this money of foegiveness to the high school dropouts, who cannot afford to study further., so that these students can complete their studies, or study further, get jobs, make investments in various industries and contribute to the overall growth n upliftment of the US economy.
It is injustice to discount student debts on the shoulders of waitresses and site laborer and close to three quarters of Americans who failed to graduate college. Rise in federal subsidies or learner debt bailouts transform the burden of money for college by the student- the individual directly taking advantage from the college- to the large number of Americans who failed to graduate from college.
If those on correct were to get their way. Americans would be compelled into more loan burden, fail to generate last meet and move to productive and generous lives below the load of student debt.
In absence of subsidized federal debt and release that vary on the long right look to weaken, students would be slide into the hands of private creditors, who endorse to be far more breathe losing.
Conservatives disconnected, on the other side that the consistent effort of allowing loan discounting leads non caring students to select degrees in areas that permit no potential of repayment of loan.
Macro economical Reasons – With this terminology we are looking forward to get lot of economical bang on for the amount of money forgiven in regards to the student loan, if we give extra dollars to the people who are likely to invest the same in a more concrete way for the overall economical growth. Now imagine, what would happen, if we forgive 50,000 dollars in loans, how much of it is to be spent in next months of years, I guess a couple of cents, and the rest would go to bank. On the other hand if we give 1000 dollars to a each of 50 poor people, each penny would be immediate spent to result in a better stimulation towards overall economic growth. Moreover college graduates are not considered that liquid, that means most of them could spend more if they want to, they can get access to credit card n car loans easily, but there are lot of others who donot have easy access to the same.
Thus forgiveness to Student loan, is actually not a fair idea.
Any of the failure of our government learning institutions is the absence of basic economic understanding of various students. If you are intelligent student who is keen to join technical or nursing, but can’t buy it , welcoming scholarships and rewards. But, if you keen to achieve higher degree with no strategy on the sort of career you decide and no thought of repayment of assured loan then no, you failed to take the loan.
Applying Decision-Making Skills
As a manager, part of your role is to develop strategy, and share this strategy with various stakeholders within the organization. This assignment will allow you to take your findings as a manager and communicate these findings to those who are affected.
Your company has been presented with a decision on replacing a piece of equipment for a new computerized version that promotes efficiency for the upcoming year. As manager you will need to decide whether or not the purchase of the new equipment is a worthwhile investment and to communicate your recommendations to Executive Management for a final decision. To be convincing, sufficient support for your recommendations must be provided in order to be considered valid and accepted.
Existing Equipment Original Cost 60,000 Present Book Value 30,000 Annual Cash Operating Costs 145,000 Current Market Value 15,000 Market Value in Ten Years 0 Remaining useful Life 10 years
Replacement Equipment Cost 600,000 Annual Cash Operating Costs 50,000 Market Value in Ten Years 0 Useful Life 10 years
Other Information Cost of Capital 10% Payback requirement 6 years In this assignment, use the information above to develop a comprehensive analysis using NPV, Payback Method, and IRR to develop a recommendation on replacing the existing equipment with a new computerized version. Develop an executive summary of your findings in a Microsoft PowerPoint presentation format to present to Executive Management.
Do the following in your presentation:
Include a statement of the problem or topic, a concise analysis of the findings, and a recapitulation of any main conclusions or recommendations.
Be sure to incorporate specific details to highlight or support the summary including calculations.
Using your knowledge of capital budgeting techniques, explain how principles of capital budgeting, such as the payback method, IRR, and NPV, can be used to assess the potential projects and assist in the decision-making process.
Develop a 10-12 slide presentation in PowerPoint format. Apply APA standards to citation of sources.
RUBRIC
QUALITY OF RESPONSE NO RESPONSE POOR / UNSATISFACTORY SATISFACTORY GOOD EXCELLENT Content (worth a maximum of 50% of the total points) Zero points: Student failed to submit the final paper. 20 points out of 50: The essay illustrates poor understanding of the relevant material by failing to address or incorrectly addressing the relevant content; failing to identify or inaccurately explaining/defining key concepts/ideas; ignoring or incorrectly explaining key points/claims and the reasoning behind them; and/or incorrectly or inappropriately using terminology; and elements of the response are lacking. 30 points out of 50: The essay illustrates a rudimentary understanding of the relevant material by mentioning but not full explaining the relevant content; identifying some of the key concepts/ideas though failing to fully or accurately explain many of them; using terminology, though sometimes inaccurately or inappropriately; and/or incorporating some key claims/points but failing to explain the reasoning behind them or doing so inaccurately. Elements of the required response may also be lacking. 40 points out of 50: The essay illustrates solid understanding of the relevant material by correctly addressing most of the relevant content; identifying and explaining most of the key concepts/ideas; using correct terminology; explaining the reasoning behind most of the key points/claims; and/or where necessary or useful, substantiating some points with accurate examples. The answer is complete. 50 points: The essay illustrates exemplary understanding of the relevant material by thoroughly and correctly addressing the relevant content; identifying and explaining all of the key concepts/ideas; using correct terminology explaining the reasoning behind key points/claims and substantiating, as necessary/useful, points with several accurate and illuminating examples. No aspects of the required answer are missing. Use of Sources (worth a maximum of 20% of the total points). Zero points: Student failed to include citations and/or references. Or the student failed to submit a final paper. 5 out 20 points: Sources are seldom cited to support statements and/or format of citations are not recognizable as APA 6th Edition format. There are major errors in the formation of the references and citations. And/or there is a major reliance on highly questionable. The Student fails to provide an adequate synthesis of research collected for the paper. 10 out 20 points: References to scholarly sources are occasionally given; many statements seem unsubstantiated. Frequent errors in APA 6th Edition format, leaving the reader confused about the source of the information. There are significant errors of the formation in the references and citations. And/or there is a significant use of highly questionable sources. 15 out 20 points: Credible Scholarly sources are used effectively support claims and are, for the most part, clear and fairly represented. APA 6th Edition is used with only a few minor errors. There are minor errors in reference and/or citations. And/or there is some use of questionable sources. 20 points: Credible scholarly sources are used to give compelling evidence to support claims and are clearly and fairly represented. APA 6th Edition format is used accurately and consistently. The student uses above the maximum required references in the development of the assignment. Grammar (worth maximum of 20% of total points) Zero points: Student failed to submit the final paper. 5 points out of 20: The paper does not communicate ideas/points clearly due to inappropriate use of terminology and vague language; thoughts and sentences are disjointed or incomprehensible; organization lacking; and/or numerous grammatical, spelling/punctuation errors 10 points out 20: The paper is often unclear and difficult to follow due to some inappropriate terminology and/or vague language; ideas may be fragmented, wandering and/or repetitive; poor organization; and/or some grammatical, spelling, punctuation errors 15 points out of 20: The paper is mostly clear as a result of appropriate use of terminology and minimal vagueness; no tangents and no repetition; fairly good organization; almost perfect grammar, spelling, punctuation, and word usage. 20 points: The paper is clear, concise, and a pleasure to read as a result of appropriate and precise use of terminology; total coherence of thoughts and presentation and logical organization; and the essay is error free. Structure of the Paper (worth 10% of total points) Zero points: Student failed to submit the final paper. 3 points out of 10: Student needs to develop better formatting skills. The paper omits significant structural elements required for and APA 6th edition paper. Formatting of the paper has major flaws. The paper does not conform to APA 6th edition requirements whatsoever. 5 points out of 10: Appearance of final paper demonstrates the student’s limited ability to format the paper. There are significant errors in formatting and/or the total omission of major components of an APA 6th edition paper. They can include the omission of the cover page, abstract, and page numbers. Additionally the page has major formatting issues with spacing or paragraph formation. Font size might not conform to size requirements. The student also significantly writes too large or too short of and paper 7 points out of 10: Research paper presents an above-average use of formatting skills. The paper has slight errors within the paper. This can include small errors or omissions with the cover page, abstract, page number, and headers. There could be also slight formatting issues with the document spacing or the font Additionally the paper might slightly exceed or undershoot the specific number of required written pages for the assignment. 10 points: Student provides a high-caliber, formatted paper. This includes an APA 6th edition cover page, abstract, page number, headers and is double spaced in 12’ Times Roman Font. Additionally, the paper conforms to the specific number of required written pages and neither goes over or under the specified length of the paper. GET THIS PROJECT NOW BY CLICKING ON THIS LINK TO PLACE THE ORDER
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