Education Fix, Guaranteed to Work

Eagle-Keeper · 2019-01-12T12:57:06.892Z

lulubee:

If you are an undergraduate student, the maximum amount you can borrow each year in Direct Subsidized Loans and Direct Unsubsidized Loans ranges from $5,500 to $12,500 per year, depending on what year you are in school and your dependency status.

https://studentaid.ed.gov/sa/types/loans

There are limits a student can borrow without a co-signer.

Question for you. Aren’t in some cases middle class students in the same or even a worse off situation? Here is something I found for example:

“The students and families I’ve heard from recently are in the income bands just above the Pell Grant cutoff, between $50,000 and $100,000. According to federal statistics, their amount of unmet need—the difference between what a college costs and what a student can afford to pay—is some $10,000 a year, nearly as much as the lowest-income families in the United States.”
““They are getting squeezed on both ends because they barely miss Pell Grants and they are not the types of students getting grants from colleges themselves,” said Robert Kelchen, an assistant professor of higher education at Seton Hall University and an expert on student aid.”

lulubee · 2019-01-12T15:38:31.679Z

Yes, it’s very often middle class families have it the most difficult (unless their kids are super smart etc., and also get accepted to the best schools with the most generous need based FA!

For example, HYPSM et al give students whose parent’s income is as much as $150k. Obviously not the full COA but enough to get the cost down to approx the COA of the students state universities. TBS, it depends also on what other assets the parents have.

Another example, last year I had a student of a single mom (a nurse) with an income of $75K. Student was valedictorian of her class, 35ACT, involved in a few EC’s (president of student body was one.)

She was very stubborn and several of the schools she applied to (Boston College, NYU, for example) I kept telling her we’re not going to give her enough to attend. But she applied to Dartmouth which would have given her grant in amount of COA and a Nescac school I had to convinced her to apply to as she had a better chance of acceptance than Dartmouth.

She got rejected at Dartmouth but thankfully got accepted at the NESCAC school. COA last yr was $70K. They gave her $65k/yr in grants.

Her packages from the other schools were ok (except NYU which sucks when it come to FA) They all had grants in them, but not enough $, and but they all had loans in the amount of $10-15k/yr - meaning either the mom would have to take out Parent Plus loans or co-sign.

We strongly recommend our students don’t take any loans, except the Federal Direct Subsidized loan, which is capped.

Many schools (but not the elite) also give generous merit aid, to try to attract very good students to improve their USNWR ranking. Some give quite a lot. My son got $30k/yr and $28/k a year in merit award from two schools he would have been happy to attend, but weren’t his first choice. Even his safety schools have him merit on avg of $15k/yr.

All this is harder if your student is avg (like B student) with anything under a 30ACT. Their state university is usually the most affordable option or 2 yes CC and then transfer to 4 yr school.

None of this is easy though and many parents simply cannot afford to save for their retirement and college for several kids.

My state (NY) now has a program that gives free tuition to every kid whose parents have incomes up to $125K for state Uni ans sone private schools that opted into the program. But that only covers tuition, not R&B. But with so many state schools almost everyone has one in commuter distance from where they live.

Eagle-Keeper · 2019-01-12T20:40:36.345Z

To be honest I can’t imagine how these schools are going to stay in business charging such outrageous (at least in my mind) tuition, especially with a shrinking middle class. Unless my son excels in high school there is no way I am going to consider paying for a four year tradition college.

lulubee · 2019-01-12T20:58:27.519Z

Some won’t stay in business. Colleges are forced to close every year because of declining enrollment and small endowments. They rely on tuition to keep them afloat.

The rich elite schools have massive endowments, but enroll just a tiny percentage (1%-2%) of all college students. And most who apply, even with outstanding stats/EC’s etc. do not get accepted. In addition, approx 40% of these students come from families that can pay the full tuition without blinking an eye.

Imo, people need to vote for state representatives who support fully funding their state’s higher education system. Many legislatures have been cutting off funding and now many state schools (for example PA - where COA is now $35k+ at Penn State) have to raise their COA to make up the difference. Wisconsin is another state that has drastically reduced their state university system.

Keep voting for Republican State Reps, Senators and Governors and it will only get worse.

Teacher · 2019-01-12T23:48:00.863Z

First political comment I have seen here. Yeah! Free College and Health Care for everyone. Let the government pay it. Yahoo!

Teacher · 2019-01-13T00:20:31.034Z

IMO a hundred years from now most students will be going to college online.

In fact right now I would recommend those who want a degree to go to Excelsior college online all the way.

Also someone posed a good question, something like how can the best country in the world have some of the worst student test scores among industrialized countries? Good one. As a teacher I can say that students are not stupid, they are just not good in math, and science. Companies like Apple just import the ones they need with those skills, and probably even pay them a bit less starting out.

We do have the best country in the world and I hope it stays that way forever. But, it will not. With the continued mass illegal immigration of people from all over the world we are doomed. The majority will vote Democrap and so our future is doomed. Unfortunately, but IMO, true.

Eagle-Keeper · 2019-01-13T00:22:34.144Z

lulubee:

Some won’t stay in business. Colleges are forced to close every year because of declining enrollment and small endowments. They rely on tuition to keep them afloat.

The rich elite schools have massive endowments, but enroll just a tiny percentage (1%-2%) of all college students. And most who apply, even with outstanding stats/EC’s etc. do not get accepted. In addition, approx 40% of these students come from families that can pay the full tuition without blinking an eye.

Imo, people need to vote for state representatives who support fully funding their state’s higher education system. Many legislatures have been cutting off funding and now many state schools (for example PA - where COA is now $35k+ at Penn State) have to raise their COA to make up the difference. Wisconsin is another state that has drastically reduced their state university system.

Keep voting for Republican State Reps, Senators and Governors and it will only get worse.

This is one area I see things differently. This is another article I found regarding the issue of funding for higher education:

“The rapid disinvestment by states this century in public higher education happened not because of one event, but a confluence of factors that has made it more expensive for students and their families to attend most state colleges. First, funding levels failed to keep up with the influx of students to public campuses last decade because of the rising numbers of high school graduates.”

“At the same time, spending in other parts of state budgets started to crowd out higher education. Public colleges and universities have long been known as the balance wheel in state budgets. Lawmakers know, for instance, they can always raise tuition for students and their families to pay for higher education, but they can’t do the same for prisoners when it comes to corrections. In the last decade, lawmakers used higher education as a bank for other needs, mostly state and local public welfare programs. “State Medicaid spending is the single biggest contributor to the decline in higher-education funding at the state and local level,” according to Webber.”

First point the number of students going to college went from less than 10% in the 1960’s to over 34% today. Taxes would have to more than triple to keep up with those figures. Look, I don’t know where you live but in NJ taxes haven’t been going down because of cuts to higher education. In other words taxpayers haven’t been living high on the hog because of these cuts.

Eagle-Keeper · 2019-01-13T00:23:34.089Z

Here is the full article:

https://www.washingtonpost.com/education/2018/09/08/states-decision-reduce-support-higher-education-comes-cost/?utm_term=.a57db5ac76e1

Eagle-Keeper · 2019-01-13T00:33:56.248Z

Teacher:

IMO a hundred years from now most students will be going to college online.

In fact right now I would recommend those who want a degree to go to Excelsior college online all the way.

Part of the problem in particularly in middle and upper middle class districts like the one I taught in is that many of the students want to go out of state to college, which virtually doubles the costs! It’s like they literally have no concept of the amount of debt that they and their family are going to incur. Personally I would love to see schools take a more practical approach to higher education (and by that I mean both high school and college) and get people into the work force in a total of 4 years instead of eight. Not sure if that will ever happen though. If my son does go to college what you have proposed is clearly a better and less costly approach to take.

lulubee · 2019-01-13T00:50:29.063Z

I’m not going to debate this issue with you.

But I will suggest is you do more research in this area.

Now, I’m going to bow out of this conversation as it will just become a waste of my time.

Eagle-Keeper · 2019-01-13T02:04:55.173Z

Here we do agree a fruitless debate is indeed a waste of time. Nonetheless I definitely have a better understanding of how financial aid works than I did before.

FlyersGirl · 2019-01-14T17:22:12.762Z

The “recall” of the information is not the responsibility of college professors. If you want to fix the 50%-80% statistic you’re quoting, then how about changing up primary and secondary educational formats? Bake a quick review of the previous day’s lessons into the schedule. There you go!

In case it’s not obvious by my response, I don’t believe that this will, in and of itself, fix the problem.

Teacher · 2019-01-14T23:57:07.317Z

To all> Lots of good thoughts but none of us have the clout to fix the problems.

Might as well delete: Education Fix, Guaranteed to Work because it did not work.

Bye y’all

carpe_diem · 2019-01-15T00:02:03.929Z

yes teachers are required to follow a curriculum, but how they go about teaching them
is entirely up to them.

Most students aren’t going to be eager to learn, unless the teacher is eager to teach.

carpe_diem · 2019-01-15T00:07:36.209Z

Every little thing in this world no matter how small, or how big can effect someone’s life greatly.

Everything that all of us come across in our lives effects us in some way, shape, or form.

I’m sure if you stayed and made posts on other threads, or made other Threads,
you’d contribute greatly to the intellectualness of this Forum. You’d also possibly enjoy the intellectual debates yourself.

But if you must go, then “to each is their own.” Thank you for your service of being a teacher for all of those years. It’s not an easy profession to be in.

Teacher · 2019-01-15T02:23:04.736Z

<<Most students aren’t going to be eager to learn, unless the teacher is eager to teach.> >

Great comments, but as a Texas teacher I do know that despite how well we teach, it is all about our
presentation skills. Nothing in our entire program about making sure that the students will remember what they are being taught. Such a waste.We are all evaluated on how well we execute the Student Learning Objectives, aka SLO which is one of the dumbest acronyms of all time.

I did a quick search and carpe diem means: “Seize the day, put very little trust in tomorrow (the future)”.

That is so cool.

Too bad Sean the Great will not get involved.

carpe_diem · 2019-01-15T02:32:03.630Z

The chances of any non famous person reaching out to a famous person and then becoming rich or famous off of it, or even known for anything, is extremely rare. You’re not the only one. It’s happened millions of times before you.

Teacher · 2019-01-15T03:08:57.695Z

Que sera, sera.

Eagle-Keeper · 2019-01-15T12:43:41.493Z

Teacher:

To all> Lots of good thoughts but none of us have the clout to fix the problems.

Might as well delete: Education Fix, Guaranteed to Work because it did not work.

Part of the problem in this is that most of the American people are ignorant to some of the things you suggest and or just accept the way we do higher education as it is and its costs. Keep talking to others and continue trying to get your message out.

Eagle-Keeper · 2019-01-15T15:59:48.843Z

carpe_diem:

yes teachers are required to follow a curriculum, but how they go about teaching them
is entirely up to them.

Most students aren’t going to be eager to learn, unless the teacher is eager to teach.

There is a certain amount of flexibility but there is not a tremendous amount of variation between teachers. Do you really believe that an Algebra 1 class is going to be radically different from on teacher to the next? And believe me there is only so many ways to present a specific subject matter.

Regarding students being eager to learn, there are many other factors with that no matter who the teacher is. As a former high school teacher I can tell you that is much more dependent upon who the student is and their parents, which is why many teachers do not won’t to work in the inner city schools.