Federal Student Aid Programs
Dynarski, S. (2014). An Economist’s Perspective on Student Loans in the United States. Brookings Institution. Retrieved from https://www.brookings.edu/research/an-economists-perspective-on-student-loans-in-the-united-states/
According to the author, more than forty million Americans have more than $1 trillion in student loans. Student loans come in second after mortgages that continue to outstrip credit cards and people’s income. Due to insufficient resources, at least seven million are in default. The author asserts that there is a repayment crisis instead of a debt crisis, as proposed by scholars. The lack of motivation and ability to pay off these debts are responsible for the problem. The author offers a more extended repayment period for student loans. The report also highlights the need for a well-structured program that shields individuals from the economic shocks that hinder the payment process. Utilizing details that are related to peoples’ earnings is essential for the creation of the program. This report is valid because it provides information on American student loans and proposes solutions that cite leniency and economic flexibility for individuals.
Taliaferro, W., & Duke-Benfield, A. E. (2016). Redesigning State Financial aid to Better Serve Nontraditional Adult students. Center for Law and Social Policy. Retrieved from https://www.clasp.org/publications/report/brief/redesigning-state-financial-aid-better-serve-nontraditional-adult-students
The report’s authors highlight the need to reform the state’s financial aid allocation to serve the population better. The reducing state investment in post-secondary education aid is a concern. The report proposes granting financial assistance based on need instead of merit. The nontraditional students should also have increased access. Flexibility is also vital in ensuring more students can apply for the disbursements. This report is valid because it provides an interesting perspective on the current process of access to financial aid.
The Spencer Foundation. (2008). Fulfilling the Commitment: Recommendations for Reforming Federal Student Aid. University of Michigan. Retrieved from https://fordschool.umich.edu/news/2009/fulfilling-commitment-recommendations-reforming-federal-student-aid
The corporate author emphasizes and investigates the need to reform the current financial aid that students access. The report highlights the everyday challenges related to a lack of equity. It also provides an opinion on the adverse effects of the current lack of equity, especially on the country’s economy. The article is valid because it further investigates whether the current issues are financial or otherwise.
References
Dynarski, S. (2014). An Economist’s Perspective on Student Loans in the United States. Brookings Institution. Retrieved from https://www.brookings.edu/research/an-economists-perspective-on-student-loans-in-the-united-states/
Taliaferro, W., & Duke-Benfield, A. E. (2016). Redesigning State Financial aid to Better Serve Nontraditional Adult students. Center for Law and Social Policy. Retrieved from https://www.clasp.org/publications/report/brief/redesigning-state-financial-aid-better-serve-nontraditional-adult-students
The Spencer Foundation. (2008). Fulfilling the Commitment: Recommendations for Reforming Federal Student Aid. University of Michigan. Retrieved from https://fordschool.umich.edu/news/2009/fulfilling-commitment-recommendations-reforming-federal-student-aid
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After deciding on the topic for your researched argumentative essay, locate at least three credible sources in the South University Online Library. (You may include more if you like.) Take notes on your sources, following the methods outlined in the Week 3 lecture about note-taking. For each source, note the main idea, evaluate the author’s credibility, and consider how the text relates to your topic.
Federal Student Aid Programs
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Draft a references page in APA format.
Include at least three sources.
After each reference entry, provide a paragraph about the source, including the following:
Summarize relevant information from the start.
Evaluate the credibility of the author.
Explain how the reference relates to the position you plan to argue in your research paper.
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