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Are Student Loan Debts Killing our Future?

“I feel like I kind of ruined my life by going to college,” said Jackie Krowen, 32, nursing student with a student loan balance of $152,000. These are words that most people would probably not even associate in the same sentence because is what most companies look at to see if you are qualified to work for them, but more and more people are feeling this same sentiment that it is just not worth the debt that you are putting yourself in. To give more context Jackie Krowen is a part of the 44 million Americans that owe a staggering 1.5 trillion in student debt loans. She even went on to say, “I can’t plan for an actual future.” Student debt for many is almost a lifelong debt that they never stop paying which alters their lives and relationships always lingering in the back of your mind like a monster lurking in the shadows waiting to strike as soon as you let your guard down.
Student loan debt can change the entire course of your life. Let’s take Saul Newton for example. In spring of 2010 Saul was a student at the University of Wisconsin. By the summer of the same year he was a rifleman in the U.S. Army. What could make this promising student in his 3rd year of school suddenly just enlist in the army? While this change is normal his reasons are what really jump out to me. He says that due to college tuition costs increasing and loans becoming more expensive to pay off he thought it was in his best interest to go to the army pay and come back. Even in the middle of a warzone where his unit was stationed he still made sure to pay his loans very month. One day while he and his unit were out on patrol their armored vehicle exploded due to a dirty bomb and some of his brothers in arms died. That could been him and the only thing he would had to show for it was……..Student Loan Debt. This is a viscous cycle where the loaners are making million of the people who can’t afford to go to college without offering any assistance
As I mentioned in the previous paragraph there is a cycle or wheel that which Student loans operate off that enables the government and private industries to profit off of. It is a million dollar industry were the students. The people paying all the money are never the winners of. The states cut back funding for higher education to put more towards healthcare, prisons and other federal costs. I response to this universities raised their tuition. This is where the students come in. To cover the schools increase in tuition your average student takes out maybe 2 loan s to help cover the cost for them to go to school. This in turn leads to them immediately having to get a job as ore and more loans are becoming ones that you have to start paying off immediately which lead to your average college student having a full time job while also trying to get through school each day. Any they wonder why college students drink and party so much. Because once they get out of school they are going to be working the rest of their lives to pay off loans, support their families, and try to live the lifestyle they want on their income which is being cut in half due to taxes and loans.
As a college student right now and I’m blessed to not owe any loans at the moment due to my parents savings and the Hope Scholarship, but I no friends of mine that have already begun to look for paying internship and or full time jobs so that they can supplement their money and start paying for their loans that will begin to start causing them problems very soon.
With the 2020 election approaching swiftly many candidates are beginning to go on the campaign trail. There have many political and social activists who have brought up the topic of Student Loan Debts to these candidates with a mixed reaction from them. Whether it is a plan to get rid of the debt all together or a plan to help pay of the debt quicker Student loans keep increasing and more and more people fall into the trap of paying for it. So the question is, why is the debt keep increasing? It would be a completely different ball game if there was fluctuation because that imply that it was being paid but even without the amount that all the debt holders are paying they barely put a dent into their debt. With new ideas coming forth from these candidates many hope that over the next few years that may be if not get rid of the Student Loan Debt, but help to make it easier to paying loans easier.
While would like to first preface my next topic by saying that I was and still are a very big supporter of our former President Barack Obama and the things that he was able to accomplish while he was in office. That being said the more that I read about Student Loans I have come across some startling information that would not paint him in the best of lights by students and former students who are still paying off their Student Loans. According to the Investor’s Business Daily, “ 27.3% of student loans are delinquent. Why does this matter? Because thanks to President Obama, about $1 trillion dollars of student loan debt is owed to the federal government.” Two years into his first term Obama terminated the federal guaranteed loan program this allowed private lenders and banks the opportunity to offer student loans at low interest rates to students.
Obama was able to convince the people that the government taking over the Student Loan Debt was a way to help the students and to save money, “why bear the costs of guaranteeing private loans,” he said, “when the government could cut out the middleman and lend the money itself?” The savings that he forecasted didn’t appear for the government or the students. The Congressional Budget Office that oversees the loan budget program just increased its 10-year forecast costs by $27 billion, or 30%. This and other programs that he extended and put into place while making it easier on the student also made them more lazy about trying to pay their loans off which in turn made more debt for them. Why wouldn’t they though when the, “pay as you earn” program, which limits loan payments to 10% of income, with any debt left after 20 years forgiven.” is in place.
Earlier in my paper I talked about how some of the candidates for the 2020 election and how they were dealing with topic of Student Loan Debt. How they each had differing opinions on how to go about handling the student loan debt or if it should even be messed with at all. However as I was doing my research there was a new candidate that’s plan for the removal of Student Loan Debt greatly intrigued me. Sen. Elizabeth Warren of Massachusetts, a 2020 Democratic presidential candidate. Senator Warren was a law professor for more than 30 years, including nearly 20 years as the Leo Gottlieb Professor of Law at Harvard Law School. The graduating class at Harvard twice recognized her with the Sacks-Freund Award for excellence in teaching. She taught courses on commercial law, contracts, and bankruptcy and wrote more than a hundred articles and ten books, including four national best-sellers. According to her website, “ Elizabeth Warren is recognized as one of the nation’s top experts on bankruptcy and the financial pressures facing middle class families.” She is an outspoken community leader that has made it her mission to help middle class in a world were middle class families are slowly fading away. She is widely credited for her creative ideas, political courage, and relentless pursuit of financial protection for the people that led to the creation of the Consumer Financial Protection Bureau. Former President Obama asked her to set up this new agency to hold Wall Street banks, financial institutions, CEO’s, and others accountable in case of misconduct, and to protect the people, the consumers of the institutions from financial tricks and traps often hidden in their mortgages, credit cards and other financial products like……. Student Loan Debt. Time Magazine even went as far as to call her The New Sheriff of Wall Street.
Warren’s plans for erasing a good portion of student-loan debt and providing free public college though was met large amounts of criticism and doubts from not only her competitors, but also her supporters. In fact a according to Yahoo Finance, “leading think tank described presidential candidate Elizabeth Warren’s massive student debt cancellation plan as “regressive” and “expensive,” arguing that it wouldn’t help low-income borrowers much relative to higher-income counterparts.” While I do agree that the undertaking of a project such as this would be very expensive I do not see any thing regressive about it. Student Loan Debt is very unique in the aspect that we choose this debt in order to help us better ourselves. This debt has crippled the lives of many people who spend the rest of their lives trying to pay off a debt that only grows bigger over time. Senator Warren’s office pushed back against the study, telling Yahoo Finance:
“This is a highly progressive proposal — we’re taxing the fortunes of people with over $50 million in wealth to provide student loan debt cancellation to 42 million lower-income and middle-class Americans,”. Warren’s plan would be to erase $50,000 in Student Loan Debt for every student/former student whose income is below $100,000. That $50,000 amount “phases out by $1 for every $3 in income above $100,000.” So a person who earns $130,000 would get $40,000 of debt cancelled, while a person who earned $160,000 would get $30,000 off. Coming back to her point about helping the middle to lower class households who earn more than $250,000 would not qualify for the program.
Throughout my essay I have only talked about the downside of taking out student loans, how are future leaders want to fix the student loan problem, or how former world leaders have tried and failed in the past to fix the issue. What about the other side though. Those that see Student Loans as a good thing. Here we have the story of Devon Delfino. Delfino is a first generation college student. He like all kids are taught that having a college degree was ideal for getting a good job. It did not help that he was a family that was not particularly well off so the how he was going to pay for college was a constant in the back of his head. In his own words he said, “ Taking out student loans didn’t seem like a choice to me — It was imperative, a fact of life. I always knew I’d have to make sacrifices and work hard for my education. And I thought the debt would ultimately be justified. As I college student myself that will eventually have to use a student loan to help pay for the rest of my schooling. However, I cannot help but wondering is it even worth it in the end? Devon Delfino, first generation college student, freelance writer(author of this article by the way) agrees that while student loans can be oppressive and a large daunting task every penny is worth for the upward mobility it provides men and women from low income homes.
Whether or not you are for the continued use of student loans or of the mindset that Students Loan Debt should be cleared and college should be free what people can agree with is that higher education should be accessible to all people and not denied because they do not have the necessary funds. While I do not know what the future holds for Student Loan Debt I hope that their conclusion is a compromise that can appease if not satisfy both sides.
Works Cited
Delfino, Devon. “I Took out Student Loans and It Was the Best Decision I Made – Here’s Why.” Business Insider, Business Insider, 19 July 2018, www.businessinsider.com/taking-out-student-loans-was-the-best-decision-i-made-2018-7.
“About Elizabeth | U.S. Senator Elizabeth Warren of Massachusetts.” About Elizabeth | About | U.S. Senator Elizabeth Warren of Massachusetts, www.warren.senate.gov/about/about-elizabeth.
Cooper, Preston. “Betsy DeVos Is Wrong About The ‘Government Takeover’ Of Student Loans.” Forbes, Forbes Magazine, 30 Nov. 2018, www.forbes.com/sites/prestoncooper2/2018/11/30/betsy-devos-is-wrong-about-the-government-takeover-of-student-loans/#5165b9824990.
Swaminathan, Aarthi. “Elizabeth Warren Hits Back at Study Criticizing $640 Billion Student Debt Plan.” Yahoo! Finance, Yahoo!, 27 Apr. 2019, finance.yahoo.com/news/warren-student-debt-plan-191835379.html.

Human Resources Development in the Education Environment

Human Resources Development is the act of organising the learning experience of an individual in a specific period of training time to deduce possibility for better performance or personal growth (Nadler and Nadler as cited in Gold, Holden, Iles, Stewart and Beardwell, 2010). Ofsted, the Office of Standard in Education, is the one who inspects institutions who provide education and skill for the pupil at all age in the United Kingdom. Ofsted then produces a report which reflects the school performance, which also reflects the human resource department of that school. For the school to be able to find success and higher prestige in the ranking system, the human resources department needs to be in collaboration with others department in the school, connecting them together to function at high efficiency. By comparing schools in Huddersfield from Ofsted reports, the assignment will show how important the role human resources in the school system, specifically how the human resources can able school to be more productive and how it makes the learning progress of the pupil differ. According to Honey and Mumford (1996), learning is when an individual can demonstrate a subject that the individual did not know before and/or the individual obtain a skill or set of skills. The assignment will firstly discuss learning needs, going through the planning stage, delivery and evaluation which can be used as tools for school to increase their performance. Finally, Kirkpatrick’s level of evaluation will be developed through the assignment as the foundation to the solution that school can introduce into their operating system as the assignment examines the problems that they face.
Learning, Education and Training are similar concepts; however, it is important to distinguish them from one and another. Mayo and Lank (1994) explained education as the act of exposure to new knowledge, ideas with the purpose of increasing your understanding of a specific subject. On the other hand, training involves being taught and shown the way things work, obtaining the essential skill to satisfy the learning need. And learning is when the employee needs to be centred and focus on their benefits in developing. Similarly, Reid and Barrington (1997) learning involve a change in behaviour as a result of practice or experience. By understanding the definition of learning, Beevers and Rea (2016) move on to identify the learning need which exists where there is a lack of capability and desired at the current stage. Moreover, when the term “capability” is mention, it is usually referring to three main elements: knowledge, skills and behaviours. According to Honey (as cited in Middlewood and Lumby, 1998;1999), people learn new things whether we want them to or not, the only problem is that some institutions are unwittingly to design an encouraging environment to develop behaviours and practices they wish they had. Ofsted (2008) report on Greenhead College provided a mission statement is to provide a supportive environment for the individual to feel valued, being nurtured to strive for their full potential in academic, moral, social and physical development. In contrast, Ofsted (2018) and Ofsted (2017) reports on Almondbury Community School and Colne Valley Highschool are unable to provide a mission statement making them be in the improvement and inadequate categories. Without the mission statement, teachers and pupils do not have a goal to act on there for their needs of learning to develop become more crucial. Recognising the needs to learning and identifying the problems, for schools such as Ofsted (2008) who have set out the mission and value statement, the school can easily act upon it as a foundation to operate or pilot the school the way they want. Interestingly, when Ofsted (2008) pointed out Greenhead College improvement points, the school taking it into account immediately as they want to increase their high standard quality. Whereas, Almondbury school before was a require improvement school but now their quality has fallen because of the lack in identify what it needs to develop.
Being able to identify the learning needs that the institutions are lacking, the next stage is to plan. According to Hyman, the lesson gives a real insight into the extraordinary alchemy of teaching but without planning the lesson, teaching becomes more predictable and the lesson turns into a routine give a sense of boredom. This marks the time to change the teaching formula that has been excessively used. (as cited in Butt, 2006). Being able to create an effective and ‘fit for purpose’ training and learning requires the organisation to carefully translation and identified needs into thoughtful learning plans (Gold et al., 2010). Similarly, Hyman (as cited in Butt, 2006) stated that it is common for all teaching to meticulous planning and create pacey lessons which contain all the learning needs that sweep the student along the way. Specific objectives need to be communicated with the team involved with the plan and they must be measurable, design fit for purpose of training and avoid ambiguity in the process. Plan must contain the following elements: details on a calendar basis of each department’s project on training for each categories; the training standard needs to be specified and achieved; its duration and training cost has to be listed, the detail of the date it will take place and its expected completion date; a summary of the budget allocated for training (Reid and Barrington, 1997). As well as learning needs information, the institution needs to clarify other factors, such as legislative requirements, factor concerning the delegates who are attending on the delivery stage. Ofsted (2008) stated that there is good communication between department as outstanding teaching practices are being shared among teachers. Whereas, Ofsted (2017) stated the leaders of Colne Valley Highschool have a lack of clarification in their plan in how to change the quality teaching, this cause ambiguous among teachers and staffs on how to deliver the school objective and obtain better performance. Therefore, planning can make the delivery process straightforward as the objective is in order and the teaching material are easily hand. The person who is delivering the project can be confident and assured as the individual who attends the train is going to responsive and the material is layout perfectly with the flow when coming through training transitions. This makes the act of delivering the project appear almost effortless and the outcome being smooth, natural (Butt, 2006). Most of the time school suffer from low-level of disruption, poor classroom practice, inadequate progression and poorly assessment task can all be traced back to unsatisfied planning structure (Butt, 2006). This suggested why Ofsted (2018) report on Almondsbury Community school suffer from teachers not planning according to the pupil’s needs, therefore creating issues such as the progress among pupils vary and creating an environment where exclusion, racist incident and unwanted behaviour exist. Teachers need to be able to balance between activities, exercises and the amount of time delivering the knowledge.
In the delivery stage, it is critical to understand the learning barrier and what learner difficulty as they approach to learn. The first barrier that makes delivery stage difficult is that learners will certainly experience the feeling of uncertainty and ignorant. Afterwards, learners will try to protect themselves from their shame of appearing uncertain or ignorant. That very process of blocking out new understanding is what Argyris calls ‘skill incompetence’ – teams full of people who are incredibly proficient at keeping themselves from learning (Senge as cited in Middlewood and Lumby, 1998;1999). This led to the first step in delivering a session is to break the ice, welcome the learners and encouraging them to introduce themselves. The action will make them feel more comfortable and confident about participating in later activities. If all learner’s interaction with each other’s positively and respectfully, and all group of members feel included a positive learning environment is created. An environment which learner feel safe, confident and motivated to participate. An effective delivery session means using a variety of appropriate mixture of training methods and resources to deliver the activities which meet learning objective. Ofsted (2008) reported that teachers are enthusiastic and committed to delivering a high standard session with a commitment to make student success. Whilst delivering the session, the deliverer should always pay attention to the individual learner progress and make adjustment where their lack of understanding can be enhanced. Although this can be challenging during the moment the session is being delivered, it can be managed by taking a small amount of listening and observing learners and make small changes to adapt to the environment. Therefore, experienced teachers may seem different from others as they have a good understanding of their roles, the resources that they use, making it seem that they can deliver the session without barely planning anything. This is because they know how to make changes according to the situation and knowing which learning activities work best for his or her pupils (Butt, 2006). It is argued that the pace of which pupils take in the knowledge vary, therefore by putting knowledge into practice, the teacher can have a better understanding of the student progress. However, there is rarely one best method to deliver the session. It is noted that all methods have their strengths and weaknesses. The key is to match the method with the needs of the pupils and the flow of the session being delivered. Blended learning, which contains a combination of appropriate methods, is increasingly seen as the way to gain the pupils’ attention, as this will enable more of activities for them to engage and decrease the feeling of boredom. Effective use of blended learning also may well be the best option toward ‘hard to reach’ or disenfranchised learners (Gold et al., 2010). This can be applied to Almondsbury and Colne Valley schools as they are struggling to obtain the pupils confident and attention during every lesson (Ofsted, 2017;2018). Resources also play an important role in the delivery stage as it needs to be prepared before the lesson start such as notes, handout sheets, document, … It is also advised that the teachers need to encourage learners to identify the topic of the session beforehand and bring in their own learning resources. The more information that is being brought to the session, the better the learning experience will become like the teachers and their pupils is building up a unique collection exciting knowledge (Gold et al., 2010). Before ending the session, the deliverer needs to ensure that a transfer from learning to practice take place and ensure that some form of evaluation has been undertaken.
The final stage is to evaluate what has been delivered. This is crucial as it enables us to establish how the session has impacted on performance and supporting business objective. Evaluation is the process of collecting and interpreting the data as the method to prove, improve and control performance. Moreover, evaluation is also to ensure that the planning and delivery stage is aligned and help to enhance and achieve the business objective. In 1959, Kirkpatrick publishes a technique to evaluate training programs with four different levels. The first level of evaluation is the reaction, this is where the evaluation process only touches the surface, asking how the learner feeling toward the session being delivered. Learning is the second level name and this dive deeper into whether the learner gains new knowledge or skill. The next level is behaviour which concerns that it is possible that the learner can enjoy the session, but it might have no impact on changing their performance (Beevers and Rea, 2016). The last level in Kirkpatrick’s evaluation is a result which ask the question of whether the session has had an impact on the organisation. However, Beavers and Rea (2016) suggested that Kirkpatrick’s evaluation can be extended to a fifth level where it is taken into to account of Return on Investment (ROI). At this level, the evaluator will need to look at the detail of on the benefits and the cost of the session to work out the financial value that it has cost the institution. For example, when the session is happening, someone must be there to monitor the knowledge that is being delivered and this is a cost as they could have been doing other work. On the other hand, learning will have an impacted-on performance, skills and knowledge of the one whom been deliver. Ofsted (2018,2017) reports show that the schools have not done any evaluation activities which lead to quality of teaching vary across the school or the pupils’ work in class is underperformance. Ofsted (2008) also reported that in an outstanding school, the data being collected is not used efficiently, however, this has not led to the school performance degrade. The result that evaluation produce can then be appraised and use for managing the performance of the institution. By taking corrective action such as discipline and grievances the relationship between principle, teachers and pupil can be better. As the relationship improve, the teachers will put their trust in the leaders’ plan and the pupil can be confident that they are being taught and protected by their teacher.
In conclusion, HRD plays an important role in the education industry as it can create separate an outstanding school such as Greenhead College from Almondsbury and Colne Valley. Being able to demonstrate the value statement and mission statement, Greenhead College manages to identify their learning needs with ease, therefore, they were able to plan the training that they need in their teacher. Moreover, not only that Greenhead College have a plan, but they also are trying to deliver an environment where there is mutual respect between teachers in a different department, teachers-student and student-student relationship. Whereas Almondsbury and Colne Valley reports require an improvement in the behaviour of the student and the classroom discipline as this can be traced back to poorly plan lesson and training for the teacher. Recognising the importance of needs, planning and delivery, evaluation is none the less vital in HRD because the institution can identify its costs and benefits to improve the quality of teaching and stabilise financially.
Reference List:
Beevers, K.,

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