Final essay

Gilbert,1

Sarah Gilbert

ENG 1A

Ms. Williams

22, December, 2013

The Truth of Student Loans

Students going into college are like clueless parents bring their first newborn child home from the

hospital.  These parents don't have a lot of experience as being parents and are not sure what is the right

actions are keep their child happy. This is exactly the position a student is in, as they are on their journey for

what they want to do for the rest of their lives. They must take risks and trails to see what is best for them

and to get the experience to make the right decisions in their education. Taking out a student loan is a major

component of a decision that a student makes so that they are able to strive financially and only worry about

their education. Student loans are now a difficult decision to overlook by how it can deliver many

disadvantages that will  not keep financial success for a students future after they graduate. Students that

want to further there education, in any way, are practically forced to take out loans because of the ridiculous

tuition to attend a high quality school. It's unfair that students have to take out loans to support their financial

needs for school then are forced to pay it back when there's no available jobs that they had majored in. This

has been an ongoing issue that had been researched in the book The Rich and the Rest of Us written by

Cornel West and Travis Smiley and the movie The Passion Project . Pursuing student loans automatically

puts students in debt and have the consequences of not being able to pay it back from lack of job pay.

        Student loans are bring society down by how it positions students into debt after they graduate college.

Even though these people are trying to contribute and put back into society, it backlashes on them since they

go straight into debt. There is no other choice but to take out these loans out since there is no way to pay it

independently with such a high rate to pay to get in. In the book The Rich and the Rest of Us written by

Cornel West and Travis Smiley it stated in the Poverty Timeline in the year 2009 the poverty percent was

14.3 which meant the 6.3 million more in poverty since 2007 (17). The number had risen in such a dramatic

rate because a large amount of this statistic is these students coming out of college with these loans that

cannot be paid off; then they are put into the category of poverty since their loans are impossible to pay

back. With having this constant cycle is it bringing students into a category that they shouldn't be in since they

pushed themselves so hard in college to come out a financially successful citizen. It is part of the American

Dream, go to grade school, then to college, and become successful; but with having these loans hanging over

these people it's producing the opposite of it. Graduates are being stuck with debt from student loans which

is bring our poverty class up and bring down society.

        Student loans are bring society down by how these students are coming out of college to pay back their

debt but there isn't any financially stable jobs available. Going to college has practically become a burden

rather then something that's valuable since the payment of loans are taking over their future rather then

displaying the education students have gotten. Students try to invest in getting a better education when reality

is they come out as graduates and their are no jobs available or the jobs that are give low pay. In the book

The Rich and the Rest of Us written by Cornel West and Travis Smiley it explains," In 2010, close to 9

million people were working part-time only because they could not find full-time employment,"(65).Students

are putting thousand of dollars to invest into their education and yet they are not given the fair opportunities

that they should from all their hard work. In this generation, young adults are told it's important to go to

college because high companies won't hire any staff that doesn't have a college degree. The outcome that is

produced is there is not an advantage for college students, they are treated the same way as anyone else,and

their is not enough work for the students that come out of college. These students are lucky to find a job that

will help them to survive from each paycheck, but it is most likely it will take them a life time to pay off the

thousands of dollars they put into their education loans; since their is no money to put into anything else but

the monthly bills from their low paid jobs. It is difficult for students to pay back their loans.

         A solution to decrease debt from student loans is to make all colleges public, so that all students can

have the opportunity to strive in their passions and not having to worry about money. Students that come into

college now are trying to find what what will make them happy for the rest of their life; if college was public,

every student coming out of high school would attend college to get the advantages of a degree. In the movie

The Passion Project it states" Because you gotta take it right now or you're gunna miss out on life"(14). All

students going into college are serious about what they want with their future, and they have the right to get

into college without regretting or having any doubt of why they came. More people will come to school since

the wouldn't have the stress of worrying about coming up with the money; especially those people who are

struggling but do not qualify for financial aid. If more people came to school within a public college we would

increase our middle class since they are not stuck with thousand of student loans; they could just focus on

their job and the opportunities they do have to succeeded. If the colleges become public, students would

have the choice to go and nothing would be force upon them like public schooling K-12. To fund public

college, American's would make another tax so that it could be working in the same way it currently is now.

Making college public this a solution to help students find passions without having to worry about money and

decrease student loan debt.since their are not jobs available to significantly help pay back their debt.

             In conclusion, student loans are becoming tremendously difficult for college graduates to pay off.

College is supposed to be a mental and financial gain that should be distributed back into society. These

students that are pushing themselves so hard are the future of America, so if this cycle keeping happening

future students are just going to give up. What will happen if their is not enough doctors, policeman, or

lawyers to protect us in time of need? If there is no change within this system, what will happen to the future

of America?