From a social welfare perspective, discuss the pros and cons of government subsidized postsecondary education.
The amount of student loan debt associated with college attendance grew by 39 percent from 2011-2015, hitting $1.3 trillion. Student loans are the most common type of financial aid that college students are applying for. Every year, over 10 million students take out loans to pay for their cost of teaching and learning. Those taxes would be transferred to other areas, such as a fuel tax or a sales tax, by making college free, making it easier to cover tuition costs.
However, only 56 percent of students currently enrolled in their first year of college can earn a degree within six years. Students attending private, non-profit schools are the highest graduation rates. For students attending a two-year public college, the lowest completion rate is. Through freeing up education, students with fewer opportunities would be able to pursue relevant information about a career they're excited about, giving them the opportunity to stay off systems of public assistance.
Under the current educational system, at the cost of their imagination, students are forced to deal with their debt. There are fewer opportunities for trying new ideas, following innovative strategies, or finding ways of using their skills because they are saddled with high monthly payments. At the very least, free college will help people stay happy, ensuring they'd be healthier. It could also contribute to exciting breakthrough moments that could change the world.
If students graduate with a high level of student loan debt, the ability to buy a home in the future will be limited. It even stopped some people from getting married, particularly if they both have high student loan debt rates. Student loan debt couples put off having kids. It has a direct negative effect on the accumulation of wealth for all parties.
College tuition will not be optional. For the costs, somebody will be asked to pay. This needs a change of who will be accountable from the offender to the community. The suggested payment options included eliminating corporate tax loopholes, raising tax rates to the richest 0.1 percent in the U.S., imposing taxes on speculative investments, or reducing the military budget, which is currently over $600 billion in the U.S. every year.
How to handle your personal finances is one of the most important lessons learned in college. It's a lesson for some students to learn the hard way. Getting a student loan could be someone's first major financial transaction. It is easier to set up a good credit score and make future transactions by being able to pay it off without missing payments. If college were free, the financial lessons would vanish and there would be less potential for a strong credit profile to be created.
Student loans have already devalued the interest of a 4-year degree in the United States. Most students find that a graduate degree is becoming mandatory to earn an income from the upper middle class. Free college could also devalue degrees in other ways from students deciding to skip classes as they have no personal investment to less engagement in their studies. There is a strong chance that in college schooling, free college will promote more reckless, not less.
From a social welfare perspective, discuss the pros and cons of government subsidized postsecondary education.
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