Indebted PDF Download

Author: Caitlin Zaloom
Publisher: Princeton University Press
ISBN: 069121722X
Category : Business & Economics
Languages : en
Pages : 286

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Book Description
"'Indebted' takes readers into the homes of middle-class families throughout the nation to reveal the hidden consequences of student debt and the ways that financing college has transformed family life"--Amazon

Author: Ryan Clark
Publisher:
ISBN: 9780983194118
Category : Study Aids
Languages : en
Pages : 232

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Author: Mark Kantrowitz
Publisher: Independently Published
ISBN: 9781793298447
Category : Study Aids
Languages : en
Pages : 280

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Book Description
College financial aid is not like negotiating with a car dealership, where bluff and bluster will get you a bigger, better deal. Appealing for more financial aid depends on presenting the college financial aid office with adequate documentation of special circumstances that affect the family's ability to pay for college.This book provides a guide for students and their families on how to appeal for more financial aid for college and how to improve the likelihood of a successful appeal. This book also discusses techniques for increasing eligibility for need-based financial aid and merit aid.The topics covered by this book include corrections, updates, special circumstances, writing an effective financial aid appeal letter, adequate documentation, professional judgment adjustments, unusual circumstances, dependency overrides and the differences between the FAFSA and CSS Profile forms.

Author: Lynn O'Shaughnessy
Publisher: FT Press
ISBN: 0132703327
Category : Business & Economics
Languages : en
Pages : 305

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Book Description
“The College Solution helps readers look beyond over-hyped admission rankings to discover schools that offer a quality education at affordable prices. Taking the guesswork out of saving and finding money for college, this is a practical and insightful must-have guide for every parent!” —Jaye J. Fenderson, Seventeen’s College Columnist and Author, Seventeen’s Guide to Getting into College “This book is a must read in an era of rising tuition and falling admission rates. O’Shaughnessy offers good advice with blessed clarity and brevity.” —Jay Mathews, Washington Post Education Writer and Columnist “I would recommend any parent of a college-bound student read The College Solution.” —Kal Chany, Author, The Princeton Review’s Paying for College Without Going Broke “The College Solution goes beyond other guidebooks in providing an abundance of information about how to afford college, in addition to how to approach the selection process by putting the student first.” —Martha “Marty” O’Connell, Executive Director, Colleges That Change Lives “Lynn O’Shaughnessy always focuses on what’s in the consumer’s best interest, telling families how to save money and avoid making costly mistakes.” —Mark Kantrowitz, Publisher, FinAid.org and Author, FastWeb College Gold “An antidote to the hype and hysteria about getting in and paying for college! O’Shaughnessy has produced an excellent overview that demystifies the college planning process for students and families.” —Barmak Nassirian, American Association of Collegiate Registrars and Admissions Officers For millions of families, the college planning experience has become extremely stressful. And, unless your child is an elite student in the academic top 1%, most books on the subject won’t help you. Now, however, there’s a college guide for everyone. In The College Solution, top personal finance journalist Lynn O’Shaughnessy presents an easy-to-use roadmap to finding the right college program (not just the most hyped) and dramatically reducing the cost of college, too. Forget the rankings! Discover what really matters: the quality and value of the programs your child wants and deserves. O’Shaughnessy uncovers “industry secrets” on how colleges actually parcel out financial aid—and how even “average” students can maximize their share. Learn how to send your kids to expensive private schools for virtually the cost of an in-state public college...and how promising students can pay significantly less than the “sticker price” even at the best state universities. No other book offers this much practical guidance on choosing a college...and no other book will save you as much money! • Secrets your school’s guidance counselor doesn’t know yet The surprising ways colleges have changed how they do business • Get every dime of financial aid that’s out there for you Be a “fly on the wall” inside the college financial aid office • U.S. News & World Report: clueless about your child Beyond one-size-fits-all rankings: finding the right program for your teenager • The best bargains in higher education Overlooked academic choices that just might be perfect for you

Author: Richard V. Reeves
Publisher: Brookings Institution Press
ISBN: 0815739133
Category : Business & Economics
Languages : en
Pages : 51

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Book Description
A better future for the middle class is no longer an aspiration. It is a necessity. The disintegration of the American Dream is more visible than ever before. The understanding—the contract—that existed between individuals willing to work and contribute and a society willing to support those individuals when they needed it is falling apart. Now is the time to draft a new contract with America's middle class. One that rewards work and service, improves upward mobility, and reduces inequality. In A New Contract with the Middle Class Brookings senior fellows Isabel Sawhill and Richard Reeves outline the foundations of what that new contract should be, based on discussions they had across the country with middle-class Americans. Sawhill and Reeves' recommendations provide solutions to issues that came up time and time again in these conversations: money, time, relationships, health, and respect. Some of the bold recommendations included in A New Contract with the Middle Class: • Eliminate virtually all income taxes paid by the middle class. • Raise the minimum wage and subsidize wages below the median with a worker tax credit. • Offer scholarships for those who undertake at least a year of national service. • Ensure four weeks of paid leave per year. • Align school and working hours and boost child care to help working parents. America is only as strong as the American middle-class. A New Contract with the Middle Class proposes a new way forward.

Author: Kalman A. Chany
Publisher: Princeton Review
ISBN: 0375429425
Category : Student aid
Languages : en
Pages : 354

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Book Description
Presents a guide to controlling college costs that furnishes helpful tips on the financial aid packages available, filling out application forms, educational loans, updated tax regulations, and additional sources of revenue.

Author: Sara Goldrick-Rab
Publisher: University of Chicago Press
ISBN: 022640448X
Category : Education
Languages : en
Pages : 382

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Book Description
A “bracing and well-argued” study of America’s college debt crisis—“necessary reading for anyone concerned about the fate of American higher education” (Kirkus). College is far too expensive for many people today, and the confusing mix of federal, state, institutional, and private financial aid leaves countless students without the resources they need to pay for it. In Paying the Price, education scholar Sara Goldrick-Rab reveals the devastating effect of these shortfalls. Goldrick-Rab examines a study of 3,000 students who used the support of federal aid and Pell Grants to enroll in public colleges and universities in Wisconsin in 2008. Half the students in the study left college without a degree, while less than 20 percent finished within five years. The cause of their problems, time and again, was lack of money. Unable to afford tuition, books, and living expenses, they worked too many hours at outside jobs, dropped classes, took time off to save money, and even went without adequate food or housing. In many heartbreaking cases, they simply left school—not with a degree, but with crippling debt. Goldrick-Rab combines that data with devastating stories of six individual students, whose struggles make clear the human and financial costs of our convoluted financial aid policies. In the final section of the book, Goldrick-Rab offers a range of possible solutions, from technical improvements to the financial aid application process, to a bold, public sector–focused “first degree free” program. "Honestly one of the most exciting books I've read, because [Goldrick-Rab has] solutions. It's a manual that I'd recommend to anyone out there, if you're a parent, if you're a teacher, if you're a student."—Trevor Noah, The Daily Show

Author: Isabel Sawhill
Publisher: Yale University Press
ISBN: 0300230362
Category : Business & Economics
Languages : en
Pages : 268

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Book Description
A sobering account of a disenfranchised American working class and important policy solutions to the nation's economic inequalities One of the country's leading scholars on economics and social policy, Isabel Sawhill addresses the enormous divisions in American society--economic, cultural, and political--and what might be done to bridge them. Widening inequality and the loss of jobs to trade and technology has left a significant portion of the American workforce disenfranchised and skeptical of governments and corporations alike. And yet both have a role to play in improving the country for all. Sawhill argues for a policy agenda based on mainstream values, such as family, education, and work. Although many have lost faith in government programs designed to help them, there are still trusted institutions on both the local and the federal level that can deliver better job opportunities and higher wages to those who have been left behind. At the same time, the private sector needs to reexamine how it trains and rewards employees. This book provides a clear-headed and middle-way path to a better-functioning society in which personal responsibility is honored and inclusive capitalism and more broadly shared growth are once more the norm.

Author: Anthony Abraham Jack
Publisher: Harvard University Press
ISBN: 0674239660
Category : Education
Languages : en
Pages : 464

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An NPR Favorite Book of the Year Winner of the Critics’ Choice Book Award, American Educational Studies Association Winner of the Mirra Komarovsky Book Award Winner of the CEP–Mildred García Award for Exemplary Scholarship “Eye-opening...Brings home the pain and reality of on-campus poverty and puts the blame squarely on elite institutions.” —Washington Post “Jack’s investigation redirects attention from the matter of access to the matter of inclusion...His book challenges universities to support the diversity they indulge in advertising.” —New Yorker “The lesson is plain—simply admitting low-income students is just the start of a university’s obligations. Once they’re on campus, colleges must show them that they are full-fledged citizen.” —David Kirp, American Prospect “This book should be studied closely by anyone interested in improving diversity and inclusion in higher education and provides a moving call to action for us all.” —Raj Chetty, Harvard University The Ivy League looks different than it used to. College presidents and deans of admission have opened their doors—and their coffers—to support a more diverse student body. But is it enough just to admit these students? In this bracing exposé, Anthony Jack shows that many students’ struggles continue long after they’ve settled in their dorms. Admission, they quickly learn, is not the same as acceptance. This powerfully argued book documents how university policies and campus culture can exacerbate preexisting inequalities and reveals why some students are harder hit than others.

Author: Bonnie Kerrigan Snyder
Publisher: Simon and Schuster
ISBN: 1440533326
Category : Education
Languages : en
Pages : 256

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Book Description
College is the doorway to a golden future, right? But if you're not careful, it's also a path to a mountain of debt. Worst-case scenario: You struggle for years to pay for an education that you can't turn into a paying job. But it doesn't have to be that way. In The New College Reality, Dr. Bonnie Snyder tells you how the system works and how to make college pay off. Forget conventional wisdom and let her revolutionary rules show you how to integrate job planning and education with financial responsibility: Make sure your degree relates to existing or emerging jobs Resumes, personal brands, and college contacts lead to jobs Shelter your assets from the financial aid formula Limit your total borrowing to your expected first-year salary Always be ready to create your own job Don't squander money on a useless, self-indulgent degree. Instead, squeeze maximum career value out of every semester of college while scrimping on costs. The result will be a great career that really uses your education.