A research paper on the student's school loan

Daniel V.

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A research paper on the student's school loan

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Students - School - Loans - Data - Research - Community - college

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Abstract

Students school loans are increasingly a problem for both college students and those in higher education sectors. This is because of the increasing tuition fees, as well as, decreasing sources of scholarships and grants (Shohov, 2004). Data for the research papers was from an online survey of a campus and the focus groups were from students in University of California. The two methods of data collection discussed in depth the aspect of student school loan and its effects on the consumption of a college student.

Financial aid is a key aspect to community college student success. There is a connection between persistence and financial aid for college students. Even if, there are numerous barriers to higher education success, a crucial obstruction is cost (Shohov, 2004). The federal commission analyzing the future direction of higher education sectors indicates "There is no issue that worries the American public more about higher education than the soaring cost of attending college." College Board, in the 2009/2010 academic year, states that the approximate tuition for a full-time student at a community college was $2,544. This is a crucial and relative as compared to the resources of low income families (Gao, 2011).

Apart from tuition fees, students has to pay additional costs during the higher education learning such as foregone earnings. For instance, California charges students in the community college a fee that represents just five percent of the entire cost of class attendance.
For a long time, researchers have thought that student loans as a source of financial aid are essential to support the success of students in colleges. Consequently, there are several research studies in the past that examined the relation between persistence and financial aid. This research study explores the relation between financial aid and tuition prices (Kendall, 2012). In addition, the study will examine how the two variables affect access of students to higher education in California. This report studies exclusively the scenarios in undergraduate education. A list of work cited is available at the last page of this report.

Introduction
Summary of the current research
Types of student school loans
Conclusion

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[...] In history, researchers have inquired the impacts of student loan on persistence. For instance, loans have positive associations with persistence, although researchers like Astine named such a finding as an “artifact.” In addition, there are numerous documentation indicating that student loans increase both the persistence and enrollment for students in late 1980s and early 1990s. Consequently, there is a necessity to evaluate the outcomes of distinct kinds of student loans such as apparent and unsubsidized loans (Kendall, 2012). Past research proves that work study has positive relationships with persistence. [...]

[...] Boston, MA: Beacon Press Print. Gao, Lan. Impacts of Cultural Capital on Student College Choice Process in China. Lanham, Md: Lexington Books Print. Gobel, Reyna. Graduation Debt: How to Manage Student Loans and Live Your Life. Hoboken: John Wiley & Sons Internet resource. Kendall, Diana E. Sociology in Our Times: The Essentials. Belmont, CA: Wadsworth/Thompson Learning Print. Maeda, Martha. [...]

[...] How to Wipe Out Your Student Loans and Be Debt Free Fast: Everything You Need to Know Explained Simply. Ocala, Fla: Atlantic Pub. Group Print. Occupational Outlook Handbook. Washington, D.C: U.S. G.P.O Print. Price, Derek V. Borrowing Inequality: Race, Class, and Student Loans. Boulder (Colo.: Lynne Rienner publ Print. Shohov, Tatiana. Federal Student Loans. [...]

[...] The student should be familiar with the existing barriers to financial aid. For instance, shortage of financial aid is a major hinderance to student loans. Some financial aid applications are complex because they collect lots of information regarding the family's situation with the aim of treating families equally. The “Need Analysis System” feature numerous criticisms regarding how the policy makers apply the federal need evaluation to every community college student (Collinge, 2009). Nevertheless, students require financial aid regardless of their level of income in the family. [...]

[...] The unclear pricing and hidden costs contribute to the difficulty of students in knowing the total costs of higher education. Such an ambiguity might make the school loan less valuable than the intended objectives (Gobel, 2010). While policy makers and loan providers can avail the information regarding a probability for a student to receive aid, it is a challenge for the same people to offer reliable information regarding whether the package will be enough. In the coming days, the research regarding the impacts of student loan should share a link with the obligation of loan information for people to understand the effects. [...]

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