Bait and Switch
How Student Loan Debt Stifles Social Mobility
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Product details:
- Edition number 1st ed. 2023
- Publisher Springer International Publishing
- Date of Publication 9 November 2023
- Number of Volumes 1 pieces, Book
- ISBN 9783031463747
- Binding Hardback
- No. of pages134 pages
- Size 210x148 mm
- Weight 333 g
- Language English
- Illustrations XIV, 134 p. 4 illus., 3 illus. in color. Illustrations, black & white 510
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Long description:
This book traces how the student loan system has created insurmountable student debt traps for millions of student borrowers contrary to its original purpose of promoting social mobility. Today, approximately 45 million Americans hold over $1.7 trillion in student loan debt, with over 20% of borrowers in default. Student loan debt has the greatest negative impact of wealth-poor students, with Black and first-generation students less likely to attain a college degree, more likely to default on student loan debt, and less likely to gain the same type of wage premium from their college degrees than white student loan borrowers. The book also offers a wide range of policy solutions for remedying the student loan debt crisis.
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Table of Contents:
Introduction.- Chapter 1: The Bait –The History of American Colleges and the Creation of Student Loans.- Chapter 2: The Switch – Higher Education as a Public Goods Decays (1965-1992).- Chapter 3: The Income and Wealth Effects of Student Loan Debt.- Chapter 4: Recent Changes to Student Loan Policy and Future Recommendations.- Conclusion.
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