Archive for Uncategorized

Blog Evaluation and Analysis

Educational finance has become a large topic of discussion in recent years with increasing costs of tuition, especially at the secondary level of higher education.  With so much debate and discussion over the topic of loans, grants, and their policies, many people decide to share their stand on this topic over online blogs.  By using blogs, these people can share how they feel about the topic and give advice and news on the topic as well.  Blogs are great places to relay information to an audience.

            After researching for many different blogs that deal with the topic of educational finance, I came across an interesting blog called “Student Lending Analytics”.  After grabbing such interest in this blog, I contacted the creator of the blog, Tim Ranzetta, to ask him a few questions about his blog.  Tim Ranzetta’s blog has strong, informative content about all issues that relate to educational finance.  “I write about policy, regulation, legislation, and competitive environment for student loans and grants.” Tim Ranzetta says.  For example, this blog writes on categories like “Direct Lending”, “Financial Literacy”, “Regulation” and many others.  Ranzetta has also written about for-profit schools because he says, “They have become a more significant player in post-secondary education.” 

            Ranzetta found a strong passion for educational finance and came to realize that there was something wrong with this industry.  Tim Ranzetta says he felt that there was “a gap in the market for someone to provide independent and timely information on the industry.”  This gap gave him the extra push and incentive to create his blog to help those in the public receive timely information on educational finance.  I feel that creating a blog is a strong way of fixing this gap in the market.

This blog has a simple design.  It uses non-flamboyant colors and a simple organized layout.  This blog uses simple design not to bore the audience but to keep them engaged on the purpose of the blog: to provide a perspective on what is happening in the educational finance industry.  The importance in the blog is the information conveyed, not the design and complex layout.  This leads me to believe that using simple layouts is the best way of cosmetically managing a blog.

            This Student Lending Analytics blog has a purpose to help keep the public up to date with news and advice on anything related to educational finance.  This blog strives to provide a timely, data-driven and analytical perspective on what is happening in this educational finance industry.  Tim Ranzetta says that his primary purpose is, “to inform policymakers, financial aid administrators, students, and families on the issues that matter to them as they consider how to pay for college.”  I feel that Ranzetta’s way of relaying important information as quickly as he can, which is within 24 hours, is a fantastic way of managing his blog.  It keeps his audience engaged and trustworthy to his blog. 

            This topic of educational finance has a large audience.  Just as this topic has a large audience, so does his blog.  This Student Lending Analytics Blog has a broad variety of audiences including students, parents, business executives, investors, lender sales representatives, financial aid administrators, and policymakers at the Department of Education.  Because this topic has such large audience, blogging is a great place for relaying information on the topic.  Ranzetta updates his blog daily and feels that blogging is the easiest and best way to keep the general public engaged in this topic. 

            Although Tim Ranzetta manages a blog to help inform people about this topic, he also holds a strong approach on this topic as well.  He feels that if a student needs loans, first use federal loans and only use private student loans as a last resort.  Ranzetta also expresses the importance that students should not borrow more money than they can reasonably expect to earn in their first your out of college.  This is a good argument because it helps to keep students from using more and more loans without thinking about their future in paying them off.  Ranzetta also says that students should attend colleges with high graduation rates.  “Without that diploma, they will not have the financial wherewithal to pay back their student loans.” Ranzetta says.  This is an important fact that many students who use loans take for granted.  It is most important to attend a school you can afford and graduate from than it is to go to a school that you want to go to for recreational reasons.  Ranzetta feels that there are too many “failure factories” where the probability of a student defaulting on their loan is higher than the probability of them graduating.

High Costs of College Tuition Requires The United States to Fund for Programs to Help Put College in Reach for All Americans

The high costs of college tuition are keeping many American students from attending a university.  The Government may need to fund for financial aid programs to help make college more affordable.

 

            Over the past 30 years, college tuition fees have risen tremendously.  With such high competition in the job market, a college degree is vital to getting a successful high paying job.  It seems that is has come to a point that it is almost impossible to be successful in the job market without a college degree.  For this reason, people are seeking college degrees more than ever.  But getting to college isn’t always easy.  Sometimes good grades and high-test scores are not enough to get a high school graduate to college.  This problem has spurred a large issue in the government today and especially during Barack Obama’s term in office.  Should the government raise taxes for the upper class to help fund for financial aid programs so that college can be more affordable for all Americans?  This debate is a large topic throughout The United States and the current office is working to hard to make it a reality.  The government should raise taxes for the upper class to help fund for financial aid programs so that college can be more affordable for all Americans.

            College, as most people know, has been around for a long time and has been becoming more and more important for success as the years go on.  The first institution of higher learning was Harvard, in 1636.  At that time college was less popular and less expensive, but the first financial aid for higher education came soon after 1636.  In 1643 Ann Radcliffe established the first scholarship ever given for higher education.  This scholarship was given at Harvard as well.  More recently, financial aid has become more popular due to increases in college tuition.  In 1972, the Federal Pell Grant Program was established.  Pell Grants do not need to be paid back.  Even more recently, in 2009, Barack Obama proposed the American Opportunity Tax Credit, which has recently become widely used.  The American Opportunity Tax Credit is a partially refundable tax credit that helps make college more affordable for most Americans. 

            But now, people begin to ask themselves if we should fund for programs like The American Opportunity Tax Credit, and Federal Pell Grants.  In order to fund for financial aid programs like The American Opportunity Tax Credit and Pell Grants we would have to increase taxes for the upper class.  Many people in lower class families would reap the benefit if we were to fund for these programs.  The debate comes in when we have to raise taxes to fund for these programs.  Many people are not willing to increase the already somewhat high taxes to help to fund for financial aid programs.  Most people in support of Barack Obama are willing to help fund, but much of The United States population is not willing. 

People like Adam Vinton, benefit from financial aid programs that we fund through increased taxation.  Adam Vinton uses Pell Grants and uses the American Opportunity Tax Credit to help pay for his education at The University of Oregon.  Cameron Smith, another student at The University of Oregon also uses The American Opportunity Tax Credit.  These students are directly affected by the funding of these financial aid programs.  After conversing with these students it further led me to believe that we should fund for financial aid programs like these. The University of Oregon Financial Aid and Scholarship Office deals with students at the University of Oregon who use financial aid or scholarships just like Adam and Cameron.  After speaking with Donna Schimmer, a financial aid counselor in that office, she feels that it is well worth it to fund for national financial aid programs.  She says the benefits would be much greater than the detriments.  With more educated students comes more quality and efficient businesses that will help spur the economy and trade worldwide.  Because of this, I feel that funding for financial aid programs is well worth it.

There are also citizens from other countries who wish to come to The United States to go to college.  These students from other countries can help our country with qualities such as being bilingual.  A Burmese student got a scholarship to help her come to the United States to go to college.  She hopes to work in Journalism or Political Science.  These financial aids allowed her to come to the United States and hopefully help our country in a future job.  This shows how this issue can affect not only The United States, but it can affect other countries around the globe.

            Barack Obama is working hard on making these programs significantly more productive.  As shown on Barack Obama and Joe Biden’s website, it shows what their plans are on helping to make college more affordable for all Americans.  This website also shows raw facts about college as well.  It shows how the costs of college tuition have risen dramatically and how most college graduates leave in debt.  His website shows his overall plan and his goals he is working on accomplishing. 

            The Center on Budget and Policy Priorities also speaks about this issue.  An article on this website talks about the Recovery and Reinvestment Act of 2009.  This act contains a measure to enlarge the “Hope Credit”.  This Hope Credit provides a tax subsidy for college tuition, but the problem was that many Americans didn’t meet the standards for that credit.  This new Recovery and Reinvestment Act of 2009 is working to make those in lower classes who don’t make the standards eligible for the program. 

            The counter argument against funding for financial aid programs is that many feel that even if we fund for the programs, that they will not work anyways.  As demonstrated in an article in The Heritage Foundation, there are studies that show that $173 billion in subsidies still might not solve the situation.  The Heritage Foundation says that, instead, we must lower costs and improve efficiency.  This opposing argument shows the debate in this issue. 

             Websites like EDU in Review and College Board, give helpful hints to college seekers on how to go about planning for college and how to stay in college.  These websites can direct students to places to go when they are looking for financial aid.  There are also other journalistic sources like CNN that inform the pubic about updates and progresses made in financial aid programs.  Websites like these are crucial because they inform students about important things that can take help take away from the stresses of high costs of college tuition. 

            It is tough to show evidence of this issue being resolved already because Barack Obama has been in office for such a short period of time.  President Obama is currently putting in a large effort for change in this issue, but not even a full school year has passed since he has been in office.  I feel that this topic will progress with time while he is in office.  It is yet to show much sign of success but the way he is going about fixing this problem of high costs of college tuition seems to be achievable and likely.

10 Links

1.  Adam Vinton – Junior at The University of Oregon

Contact information:

E-mail: avinton@uoregon.edu

Phone: (971) 221-5540

            Contacted on: January 17th, 2010 at 7 PM

Adam Vinton is a source that relates to my topic of college affordability.  He is a citizen source who is directly affected by the high costs of college tuition.  He is a junior at the University of Oregon.  Adam Vinton is a first generation college student in his family.  He never expected to attend a university when he was in high school because of money issues.  As a high school graduate in Portland, Adam Vinton found a way to go to college.  Adam Vinton uses loans, scholarships, and Pell Grants to pay for his college tuition.  He wouldn’t have the opportunity to attend college without these financial aids.  Adam’s loans are paid by his bank and he will be trying to pay them off after college graduation.  His Pell Grants are federally funded and he will not have to pay them off in the future.  This relates to my topic through his loans, Pell Grants, and the Oregon Opportunity Grant.  These financial aids are examples of how the government is investing more money to help make college affordable for people like Adam Vinton.  These are all financial aid programs that are being worked on and modified in the Government right now.  Barack Obama is working on programs just like this during his term in office.

 2.  Cameron Smith – Sophomore at the University of Oregon

Contact information:

E-mail: camerons@uoregon.edu

Phone: (971) 409-9773

Contacted on: February 10th, 2010 at 4 PM

Cameron Smith is a citizen source that attends the University of Oregon.  Cameron is a college student who uses student loans and Pell Grants to pay for his college tuition.  Cameron Smith attended high school in Portland, Oregon and knew that college was going to be a struggle to pay for.  After watching his sister drop out of college due to college payment problems, Cameron is trying to take a different path by getting help through financial aid.  Cameron uses loans that are paid for by his bank, and he also uses Pell Grants that are federally funded.  Cameron is a good source for my topic because he is a prime example of someone who struggles to pay for high costs of college tuition.  His Pell Grants are exactly what the government is funding for to help make college more affordable for all Americans.  He wants to find a successful job following college graduation and he knows how important a college degree is when doing so.  It was helpful to talk to an actual student who is directly affected by high costs of college tuition.  It is one thing to hear stories about college affordability, but getting direct input from those who use financial aid puts a new perspective on opinions.

 3.  University of Oregon Student Financial Aid and Scholarship Office – Donna Schimmer (Financial Aid Counselor)

Contact information:

Phone: (541) 346-1188

Contacted on: February 8th, 2010 at 1 PM

The University of Oregon Student Financial Aid and Scholarship Office is an institutional source.  This source is non-profit.  This office deals with all of the financial aid aspects of the University of Oregon.  This source gives us a look at our local outlook on the college affordability topic.  They work with students who use scholarships, loans, and other types of financial aid.  Within this office, there are counselors and accountants who work with these financial aids.  I talked with Donna Schimmer, a financial aid counselor.  She deals with all people who use any sort of financial aid.  She gives them help on how to deal with their financial aid at the current moment and how to better prepare for the long term.  She says that the most trouble she runs into is paying off loans after graduation.  She has seen many success stories and many struggled attempts as well.  It is nice to talk to not just students who are affected by high costs of college tuition, but it helps to talk with people on the other side.  It helps to talk with people who professionally deal with this topic.  This source deals tightly with my topic because it is exactly what Barack Obama and his office are working to improve.  They deal with loans, Pell Grants, and scholarships that help low income students pay for college. 

 4.  Center on Budget and Policy Priorities

Accessed On: February 21st, 2010

“Economic Recovery Package Would Give 3.8 Million Low- and Moderate-Income Students — Thousands in Every State —Access to Higher-Education Tax Credit”.  Center on Budget and Policy Priorities.  February 26th, 2009.  820 First St, NE, Suite 510.  Arloc Sherman and Chye-Ching Huang

In this post by the Center on Budget and Policy Priorities, they talk about the recently passed American Recovery and Reinvestment Act of 2009.  This act contains a measure to enlarge the “Hope Credit”.  The Hope Credit provides a tax subsidy for college tuition costs.  Its goal was to enable students who could not otherwise afford college, to be able to do so.  The downside of this Hope Credit is that more than one-fifth of high school age children couldn’t make the standards for the Hope Credit because their family income was too low.  The newly passed American Recovery and Reinvestment Act is working to allow for lower income families to be eligible as well.  The Center on Budget and Policy Priorities is an institutional source that keeps up with the updates on college affordability plans.  This institution is the first to know of any changes in policy on budget.  This includes budgeting for college affordability.  This source relays the changes in policy to the public.  The Center on Budget and Policy Priorities is intended for the American public, and those who are interested in knowing changes in national policy.  This post also talks about how the old non-refundable Hope Credit is now refundable so that low-income households can qualify.  This institution keeps us updated on how the government is funding for college affordability acts.

 5.  Barack Obama and Joe Biden

Accessed On: February 21st, 2010

“Barack Obama and Joe Biden: Making College Affordable for Everyone”.  www.BarackObama.com.  White House.

This is informational research source on Barack Obama and Joe Biden’s website.  This source is an informational research source because is gives all of the basic information on how President Obama plans to make college more affordable for all Americans.  People look to this site as a reference to see Obama’s plan.  This link on their webpage is all about their plan on putting college in reach for everyone in America.  It gives the general overview of what their plans are.  The major topics in this source are about the American Opportunity Tax Credit, simplifying application processes for financial aid, helping students become aware of college readiness, expanding Pell Grants for low-income families, community college partnership programs, and eliminating costly bank subsidies.  This source is intended for all of Barack Obama supporters and anyone who wants to know their plans in office.  This source is helpful in making an argument about my topic because it also gives hard facts of the realities of college costs.  For example it talks about how college costs have grown nearly forty percent in the last 5 years, and how sixty percent of all college students leave college in debt.  This source also tells us exactly what the government plans on doing to make college more affordable.

 6.  Burmese Student Who Receives Scholarship to Attend College in the United States

Accessed on: February 21st, 2010

“Burmese Student Receives Scholarship to Attend Green Mountain College”.  www.voanews.com.  October 13th, 2009. 

This is a journalistic source about a true success story.  This is an article about how a Burmese student receives a scholarship to attend college in the United States.  Within this journalistic source, there is an article about an actual student who attends college here in the United States.  She says the education system is better in the United States than where she is from.  She also wants to study journalism and political science.  She says they do not have those majors back home.  The scholarship enabled her to attend college, and without she would not have had this opportunity.  This source is intended for those who are interested in success stories regarding financial aid and higher education.  This relates to my topic because this is the exact type of act that the United States government is trying to do fund for.  This scholarship has given a low-income student the ability to attend college.  This source argues the fact that a broad spectrum of students can meet the standards for financial aid.  It shows a diversity of students seeking a college degree.  This journalistic source shows that not only do Americans have trouble paying for college, but this topic of high costs of college is a worldwide problem.

 7.  Budgeting for Subsidies Might not Solve College Affordability Problem

Accessed on: February 21st, 2010

“Budget 2011: $173 Billion in Subsidies Won’t Solve College Affordability Problem”.  The Heritage Foundation.  February 2nd, 2010.  Dan Lips.

This is a journalistic source on The Heritage Foundation website.  It is a leadership website that contains a variety of articles.  This article gives the opposing side of my topic on college affordability.  This article makes the point that budgeting $173 billion in subsidies might not solve the college affordability problem.  It is said that rather than increasing subsidies, it might be America’s only option to lower costs and work to improve efficiency.  In this article, it is stated that ever since the government has increased federal subsidies for higher education, the costs of college tuition have actually increased by 439 percent!  This is an important article because it shows the two sides of this topic.  It shows that not all people agree with budgeting to make college more affordable for Americans.  This article helps to demonstrate that there are actually two sides of this argument on budgeting for making higher education more affordable.  It gives the harsh reality that even if we budget, it still may not work out for the best.  The audience for this source is for anyone who wants to hear both sides of the topic.  This is a public source open for all interested in gaining knowledge about college affordability. 

 8.  EDU In Review

Accessed on: February 21st, 2010

“Stimulus Passes With Billions for Education”.  EDU in Review.  February 10th, 2009.  Brandi. 

EDU In Review is an online institutional source that gives information on college.  It has information on everything from student loans to Fraternity and Sorority life.  This website gives advice on how to go about getting ready for college and it offers help with finding financial aid.  On this website there are articles as well. This website is an all around reference for anyone interested in going to college, or for those already in college.  On this website I found an article about student protesters.  These protesters go across the US protesting against the budget cuts that increase the costs of college tuition.  These students go to states like Arizona, California, and Nevada protesting.  This is a good source for my topic because it is a possible group I can contact and get quality stories about their protests on college tuition.  These groups are helpful for making my argument about college affordability because they are directly affected by the high costs and they are actually taking initiative to act upon it.  The overall intention of this website is to not only inform students about important information about college but to give inspiration and show that college can be within reach with help through financial aid.

 9.  CollegeBoard

Accessed on: February 22nd, 2010

“Working to Make Financial Aid More Accessible”.  CollegeBoard. 

The CollegeBoard is an online institutional source.  This source is most well known for the SAT tests high school students take, but when you look deeper into this source there is a lot of helpful information for college.  This source gives a lot of information about college and also has information on college affordability.  It is aimed towards high school aged students who wish to attend college.  A lot of these students are in need of financial aid and CollegeBoard is there to help.  It gives advice on preparation for college and if you need financial aid it can help lead you to where you need to go to get it.  This source also gives trends on college prices and financial aid over long lengths of time.  CollegeBoard’s main intent is to help students not only with their SAT testing, but to inform students of many other important things they should be aware of.  This source relates to my topic because it deals with the core group of people of who is affected the most by high costs of college.  Within this source there are other sources, like links to actual Universities.

10.  CNN.com

Accessed on: February 22nd, 2010

“Rising Costs Could Push College Out of Reach”.  CNN.  December 3rd, 2008. 

CNN is a journalistic source.  Within this source I found an article on how the rising costs of college tuition are pushing college out of reach for many Americans.  This article talks about how the tuition costs for college are increasing every year nationally and how the government is trying to balance it out.  The American Opportunity Tax Credit is brought up in this article as well.  It speaks about how college tuition has increased 439 percent.  This has knocked many high school students’ college hopes out of the water.  Within this source there are other sources as well.  Tony D’Addeo, a straight A student in high school doesn’t even know if he will be able to attend college due to high costs.  This helps to show the reality that even good grades still does not guarantee a spot in college.  CNN is a good source because it gives many articles on real time stories that happen regarding my topic of college affordability.  CNN is all about journalism and keeps up to date with stories and breaking news.  This source is intended for all news seekers in the general public.  This article argues that we need to do something about the college affordability topic.  It helps to spur the public to support Obama’s new program and plan for making college more affordable for all Americans.

College Tuition and Fees are Increasing

In an annual report on trends in college pricing, it was concluded that college fees and tuition are trending upwards.  Bad news for college students and college seekers, it was found that at 4-year public institutions, costs increased by 5.9 percent the past year.

http://blog.heritage.org/2009/10/21/the-college-affordability-problem—runaway-college-costs/

Minorities in Higher Education Have Higher Rates of Drop Outs

More African American students are attending college than ever.  Although they attend college, the graduation rate of African Americans have recently been low, possibly due to high costs of college here in the United States.

http://media.www.tjcnewspaper.com/media/storage/paper1314/news/2009/03/27/News/College.Affordability.Threatens.Minority.Higher.Education-3685355.shtml

Preliminary Sources

Should the United States invest more money towards making college more affordable for Americans?

 

With the competition in the job market constantly increasing, college affordability has recently become a large issue in the United States government.  Many people would argue that it is almost impossible to get a well paying job without a college degree.  Because of this, a lot of Americans are seeking college degrees.  Sometimes good grades and high test scores isn’t enough to get students into college.  The high costs of college tuition are holding many high school graduates back.  The government is working on financial aid, loan, and Pell grant programs to help make college affordable for American students.

1.  Adam Vinton – Junior at the University of Oregon

Contact information:

E-mail: avinton@uoregon.edu

Phone: (971) 221-5540

            Contacted on: January 17th, 2010 at 7 PM

Adam Vinton is a citizen source that relates to my topic of college affordability.  He is a junior at the University of Oregon.  Adam Vinton uses loans, scholarships, and Pell Grants to pay for his college tuition.  He is a first generation college student in his family and he wouldn’t have the opportunity to attend college without these financial aids.  This relates to my topic through his loans, Pell Grants, and the Oregon Opportunity Grant.  These are all financial aid programs that are being worked on and modified in the Government right now.  Barack Obama is working on programs just like this during his term in office.

2.  Cameron Smith – Sophomore at the University of Oregon

Contact information:

E-mail: camerons@uoregon.edu

Phone: (971) 409-9773

Contacted on: February 10th, 2010 at 4 PM

Cameron Smith is a citizen source that attends the University of Oregon.  Cameron is a college student who uses student loans and Pell Grants to pay for his college tuition.  After seeing his sister drop out of college due to college payment problems, Cameron is trying to take a different path by getting help through financial aid.  Cameron is a good source for my topic because he is a prime example of someone who struggles to pay for high costs of college tuition.  He wants to find a successful job following college graduation and he knows how important a college degree is when doing so.  His financial aid relates back to the government and how they work towards making college more affordable.

3.  University of Oregon Student Financial Aid and Scholarship Office – Donna Schimmer (Financial Aid Counselor)

Contact information:

Phone: (541) 346-1188

Contacted on: February 8th, 2010 at 1 PM

The University of Oregon Student Financial Aid and Scholarship Office is an institutional source.  This office deals with all of the financial aid aspects of the University of Oregon.  This source gives us a look at our local outlook on the college affordability topic.  They work with students who use scholarships, loans, and other types of financial aid.  Within this office, there are counselors and accountants who work with these financial aids.  This source deals tightly with my topic because it is exactly what Barack Obama and his office are working to improve.  They deal with loans, Pell Grants, and scholarships that help low income students pay for college.

4.  Center on Budget and Policy Priorities

Accessed On: February 21st, 2010

In this post by the Center on Budget and Policy Priorities, they talk about the recently passed American Recovery and Reinvestment Act of 2009.  This act contains a measure to enlarge the “Hope Credit”.  The Hope Credit provides a tax subsidy for college tuition costs.  Its goal was to enable students who could not otherwise afford college, to be able to do so.  The Center on Budget and Policy Priorities is an institutional source that keeps up with the updates on college affordability plans.  This post also talks about how the old non-refundable Hope Credit is now refundable so that low-income households can qualify.  This institution keeps us updated on how the government is funding for college affordability acts.

5.  Barack Obama and Joe Biden

Accessed On: February 21st, 2010

This is informational research source on Barack Obama and Joe Biden’s website.  This link on their webpage is all about their plan on putting college in reach for everyone in America.  It gives the general overview of what their plans are.  The major topics in this source are about the American Opportunity Tax Credit, simplifying application processes for financial aid, helping students become aware of college readiness, expanding Pell Grants for low-income families, community college partnership programs, and eliminating costly bank subsidies.  This source is helpful in making an argument about my topic because it also gives hard facts of the realities of college costs.  For example it talks about how college costs have grown nearly forty percent in the last 5 years, and how sixty percent of all college students leave college in debt.

6.  Burmese Student Who Receives Scholarship to Attend College in the United States

Accessed on: February 21st, 2010

This is a journalistic source about a true success story.  This is an article about how a Burmese student receives a scholarship to attend college in the United States.  She says the education system is better in the United States than where she is from.  She also wants to study journalism and political science.  She says they do not have those majors back home.  The scholarship enabled her to attend college, and without she would not have had this opportunity.  This relates to my topic because this is the exact type of act that the United States government is trying to do fund for.  This scholarship has given a low-income student the ability to attend college.

7.  Budgeting for Subsidies Might not Solve College Affordability Problem

Accessed on: February 21st, 2010

This is a journalistic source on The Heritage Foundation website.  It is a leadership website that has articles.  This article gives the opposing side of my topic on college affordability.  This article makes the point that budgeting $173 billion in subsidies might not solve the college affordability problem.  It is said that rather than increasing subsidies, it might be America’s only option to lower costs and work to improve efficiency.  This is an important article because it shows the two sides of this topic.  It shows that not all people agree with budgeting to make college more affordable for Americans.  It gives the harsh reality that even if we budget, it still may not work out for the best.

8.  EDU In Review

Accessed on: February 21st, 2010

EDU In Review is an institutional source that gives information on college.  It has information on everything from student loans to Fraternity and Sorority life.  On this website there are articles as well.  Along with articles it gives help with finding student loans and scholarships.  It also helps with planning for college and college advice.  On this website I found an article about student protesters.  These protesters go across the US protesting against the budget cuts that increase the costs of college tuition.  These students go to states like Arizona, California, and Nevada protesting.  This is a good source for my topic because it is a possible group I can contact and get quality stories about their protests on college tuition.

9.  CollegeBoard

Accessed on: February 22nd, 2010

The CollegeBoard is an online institutional source.  This source gives a lot of information about college and also has information on college affordability.  It is aimed towards high school aged students who wish to attend college.  A lot of these students are in need of financial aid and CollegeBoard is there to help.  It gives advice on preparation for college and if you need financial aid it can help lead you to where you need to go to get it.  This source also gives trends on college prices and financial aid over long lengths of time.  This source relates to my topic because it deals with the core group of people of who is affected the most by high costs of college. 

10.  CNN.com

Accessed on: February 22nd, 2010

CNN is a journalistic source.  Within this source I found an article on how the rising costs of college tuition are pushing college out of reach for many Americans.  This article talks about how the tuition costs for college are increasing every year nationally and how the government is trying to balance it out.  The American Opportunity Tax Credit is brought up in this article as well.  CNN is a good source because it gives many articles on real time stories that happen regarding my topic of college affordability.  CNN is all about journalism and keeps up to date with stories and breaking news.

The Government Has a Role in Decreasing Costs of College.

The high costs of college tuition is being worked on by the Obama Administration by budgeting for Pell Grants for low income families.  What can the Government do, if anything, to further  improve the effectiveness of its programs and reduce the costs of college?  It might be in their hands to further investigate the situation to better college affordability.

http://roomfordebate.blogs.nytimes.com/2010/02/03/rising-college-costs-a-federal-role/?scp=1&sq=college%20costs&st=cse

49 States Flunk College Affordability Test

Recently, 49 states flunked a college affordability test.  According to the National Center for Public Policy and Higher Education, cost of college is increasing and not looking to make any trends to be cheaper anytime soon.  They say it is because “We are losing our international leadership.”

Visual Analysis Writeup

Should the United States put in a greater effort to make college more affordable?

College Affordability Campaign

This video is about a campaign group who is in the process of trying to make college more affordable for Americans.  This campaign group consists of many students who are struggling to pay for their college tuitions.  Some of them have student loans to pay for college, and many of them worry about being in debt after college.  Many of them feel that they won’t be able to pay off their student loans.  In this video these campaigners hope to achieve lower interest rates on their loans and to increase pell grants.  These people are real life students and college seekers and it shows the reality of college.  This video shows that even if a student meets all the standards for college, they are sometimes only held back due to finances.  This video gives off a sense of emotion to those who have trouble affording college.  It shows that a lot of Americans have high dreams they want to pursue but know they need a college degree to achieve it.

Barack Obama On Education

This video is on Barack Obama’s perspective on education.  In this video he talks about what we need to do to make our education more prosperous.  He states that not only is college affordability important, but so is education at younger ages.  He says that we must have better early childhood education to better prepare the children of America for school.  He says we must also raise the pay for teachers so that we can have high quality educators for the students of America.  For college, Barack Obama speaks about how many Americans can be up to $60,000 in debt after college.  In order to make college more affordable we need to strip out subsidies, create money for grants, and make a loan forgiveness program.  Barack Obama talks about how too many Americans are struggling to pay for college.  He wants every single American to have the opportunity for academic success in higher education.

College Affordability Timeline

Making College Education More Affordable

 

1636 – The first institution of higher learning, Harvard, was founded.  Founded 16 years after the arrival of Pilgrims at Plymouth.

1643 – Ann Radcliffe established the first scholarship at Harvard.

1901 – Joilet Junior College was the first junior college founded.

1965 – The Federal Family Education Loan Program (FFELP) was established to deliver and administer guaranteed education loans for students and their families. 

1972 – The Federal Pell Grant Program was established.  These grants do not have to be repaid.

1970-1980 –Male college enrollment rates dropped from 32% to 26%.

1990-2003 – Male college enrollment rates increased from 32% to 38%.

2008 – Barack Obama and Joe Biden propose to provide $25 million annually in matching funds for states to develop the Early Assessment Program.  This program enables high school students and families to find out if they are on track to be ready for college when the time comes. 

2009 – Barack Obama proposes the American Opportunity Tax Credit.  This is a fully refundable program that will make the first $4,000 of college fees free to most Americans.

2005-2010 – College costs increase nearly 40%.

5 Links

 

http://collegepuzzle.stanford.edu/?p=516

This is a blog post from Stanford University’s “The College Puzzle”.  This blog talks about how the Early Assessment Program is offered in English language arts and what it means for student participation in the program. 

http://www.cbpp.org/cms/index.cfm?fa=view&id=2268

This is a post on how The American Opportunity Tax Credit can make college more affordable for most Americans. 

http://www.cnn.com/video/?JSONLINK=/video/us/2009/02/23/am.carroll.broke.students.cnn

This is a video article on how a student from Syracuse University cannot afford college because of increasing prices of college tuition.

http://www1.voanews.com/english/news/american-life/a-13-2009-10-15-voa5.html

This is an article about a Burmese student who receives a scholarship to study in the United States.  It was her dream to study in the US and the scholarship made it possible. 

http://thesnapper.com/2009/03/25/worry-not-obamas-budget-plan-may-help-students-get-pell-grants/

This is an article that demonstrates how Barack Obama’s Pell Grants can help students afford college.

Summary

 

These links demonstrate how Obama’s proposals and ideas for making college more affordable work in the real world.  These links also show the harsh reality of how many Americans cannot afford college.  The first link relates to the Early Assessment Program and how real students use it.  The second link is an article on how Obama’s American Opportunity Tax Credit can make college more affordable for college seekers.  The third link relates to my timeline by demonstrating a student who struggles to go to college due to increased college costs.  The fourth link is a story about a real student who receives a scholarship to study in the US.  Her dream is only possible because of her scholarship.  Finally, the fifth link is an article that demonstrates how Pell Grants can help students afford college.  Obama is proposing Pell Grant Opportunities as shown on my timeline.

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