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Home Page Student NHD Memos Annotated Bibliography Guide Essential Question Criteria NHD Memo Template Essay - Polished REVOLUTION ~ REACTION ~ REFORM Essential Question: Do student loans that are used to pay for a college education pay off in the long-run?

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 * [[image:29BRUNI-popup.jpg width="360" height="449" caption="Wiseman, Ben. Fortune-telling college degree. 2012. "The Imperiled Promise of College." By Frank Bruni. New York Times 28 Apr. 2012: n. pag. The New York Times. Web. 14 May 2012. ."]] || [[image:385578_10150813403876275_177486166274_9998826_587815060_n.jpg width="360" height="391" caption="."]]

http://www.nytimes.com/2012/05/03/opinion/short-term-fixes-for-student-loans.html?partner=rssnyt&emc=rss# printed http://www.nytimes.com/2012/04/30/opinion/krugman-wasting-our-minds.html?partner=rssnyt&emc=rss not printed http://www.nytimes.com/2012/04/29/opinion/sunday/bruni-the-imperiled-promise-of-college.html?partner=rssnyt&emc=rss printed http://www.nytimes.com/2012/05/04/opinion/brooks-the-campus-tsunami.html printed

MEMO I: research question & thesis statement Due Date: April 5, 2012 To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Subject: Topic Proposal

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">identifies problem, develops research question, develops thesis statement <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">(2 sources) (1 paragraph)

<span style="color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Thesis: Receiving a college education is not worth taking the risk of incurring debt from student loans that will likely become an ongoing battle that may last for more than a decade.


 * Revolution: student debt providing people with access to a higher education **


 * Problem: inability to find work after graduation, putting borrowers in a situation where they are unable to pay back the money borrowed **


 * Solution: coordination between schools and employers – to determine what kind of knowledge will be required in the near future, what types of skills current students will need to have for employment after graduation, and what type of education students should be aiming for (versatility of major(s)/minors) **

More and more frequently we hear about friends, family, or neighbors struggling to pay off loans and falling deeper and deeper in debt. An increasing number of recent college graduates who paid for their higher education with borrowed money are now finding themselves in a situation they’d never expected they’d be in: unable to find work and with an ever-growing amount of debt hanging over their heads. When a student borrows money to pay for their college education, they are, in other words, practically running out to the store and buying "a toaster that has a one-in-five chance of exploding" (Clemmitt). This means that there’s a pretty good chance that a student who takes out student loans will fall into a bottomless pit of student loan debt and become completely unable to keep their head above water. So while for some, having the ability to pay for their higher education with borrowed money is beneficial, for many, student loans are a simple equation that leads to disaster. No matter what reasons a student may have for taking out student loans, it is unfair for them to have to take out loans to pay for their college education in the first place. Some say that student loans pay off in the long run; but unless your higher-level education will provide you with the ability to pay back the money you borrowed within a handful of years after graduation, it does not; and no college education is worth the risk of incurring debt that will likely become an ongoing, disastrous battle that may last for more than a decade.

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO II: cause (revolution) & effect (problem) <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Due Date: April 10, 2012 <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Subject: (Concisely state the revolution/problem)

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">identifies the revolution and explains the problem that it created <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">(3 sources, at least 1 new) (one big idea per paragraph)

The number of high-school graduates who take out student loans to pay for their higher education is, and has been, rising. Loans are a common solution college-bound students find when an education at the student’s preferred university is on the line; however, many high-school graduates find themselves having to choose between taking out loans or not going to college at all. Without loans, some students would be unable to receive a higher education, while others would merely be unable to attend their preferred college without them; so if you are in the latter of these two situations, consider yourself lucky. But whatever the reasons for the borrowing of student loans may be, in most cases, the borrower expects to be able to find a job after graduation, which they would use to help pay back the money they borrowed. While it’s true that student loans do sometimes prove to be beneficial and eventually end up paying off, in most cases, unfortunately, they do not. In correspondence with the inability of recent graduates to be able to find work, rising tuition costs have also played a huge role in the increase of college students’ debt. The cause for these rising costs “can be found in the way colleges are funded” (Paying for College). As the federal government has cut funding for education, colleges’ dependence on state funding has increased significantly. Higher-education public schools “depend overwhelmingly on tax revenues” and their “financial health” reflects their surrounding economy (Paying For College). This means that when the federal government cuts state funding for public education, “state funds dry up, … shrinking the pool of funds for higher education and resulting in higher tuition prices at public higher-education institutions (Paying For College). Privatized institutions "receive the bulk of their funds directly from … students and their families," but this means that when there’s a recession, potential college-goers are even more likely to feel especially “squeezed” to pay for tuitions at private colleges (Paying For College). This is because any response from private colleges and universities of lowering tuitions is only somewhat useful, however; prices merely “moderate” and decrease only somewhat during recessionary times since they were already higher to begin with. The growing issue of student debt and the “perception … [that] a college education [is] a ticket to economic success” (Paying For College) needs to successfully be addressed and tackled; for this to happen there needs to be a change in the way America’s colleges and universities are funded and in the most prevalent ways college students find to pay for their education.

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO III: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">historical background <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Due Date: April 13, 2012 <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Subject: (Concisely state the revolution/problem)

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">identifies/explains the revolution's history <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">(4 sources, at least 2 new; at least 3 in each paragraph, do not cite same source twice in same paragraph) (logically-organized paragraphs)

<span style="color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">The difference between the intent of student loans 50 years ago and a century ago are stupendous. 6 decades prior to 1958, "college [enrollment] was available mainly to the very well-off, [thanks to what] may have been the world's fairest system – the reliance on private [money] rather than [on] loans & grants" (Student Debt). College tuition was almost always completely paid for up front, which meant that if, when the time came, you had the ability to pay for your education after high school, you would attend college; if you weren’t of the ability to pay, you would either find a way to make enough money to go or simply not go at all. The Higher Education act, passed in 1965 by Congress, authorized Education Opportunity Grants, "which allocated grants to colleges for distribution among lower-income students," and in 1972, federal grants were established that were aimed directly at lower-income students (Price).

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO IV: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">position & benefits <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Due Date: April 18, 2012 <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Subject: (Succinctly state thesis (answer to the research question))

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 120%;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">gives evidence of benefits of your position/solution to the problem <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">(3 new sources; at least 3 diff. sources used in each paragraph) (logically-organized paragraphs)

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO V: argument one <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Due Date: <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Subject:

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 14px;">opposing viewpoint; rebuttal; reaffirm your position <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 14px;">(1 source for opposing argument; credible evidence supports rebuttal) (3 paragraphs: opposing argument, rebuttal, reaffirming paragraph)

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO VI:<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;"> argument two <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Due Date: <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Subject: It is very likely that the online education that will end up being offered five years from now "will look very different from what we do now” (Provost Alan M. Garber of Harvard), since "[t]he technology for online education ... is evolving so quickly that ... [many of the new] offerings are still experimental." (http://www.nytimes.com/2012/05/03/education/harvard-and-mit-team-up-to-offer-free-online-courses.html?src=me&ref=general) printed

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 14px;">opposing viewpoint; rebuttal; reaffirm your position <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 14px;">(1 source for opposing argument; credible evidence supports rebuttal)

<span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 20px;">MEMO VII: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 90%;">call to action

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Due Date: <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">To: Mrs.Sidor <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">By: Catt Perry <span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Subject:

<span style="background-color: #ffffff; color: #003d00; font-family: Verdana,Geneva,sans-serif; font-size: 16px;">Body: <span style="background-color: #ffffff; color: #1b1b8d; font-family: Verdana,Geneva,sans-serif; font-size: 14px;">(1 source for opposing argument; credible evidence supports rebuttal)

<span style="font-family: Verdana,Geneva,sans-serif;">** ANNOTATED BIBLIOGRAPHY ** <span style="background-color: #ffffff; font-family: Verdana,Geneva,sans-serif; font-size: 22px;">POST Annotated Citations<span style="font-family: Verdana,Geneva,sans-serif;"> for 2 sources here. > Election-Year Fight." //New York Times// 26 Apr. 2012: n. pag. //The New York// > //Times//. Web. 1 May 2012. <http://www.nytimes.com/2012/04/27/us/ > politics/student-loan-debate-becomes-election-year-fight.html?_r=1>.
 * <span style="font-family: Verdana,Geneva,sans-serif;">Clemmitt, Marcia. "Student Aid." //CQ Researcher Online//. CQ Press, 25 Jan. 2008. Web. 12 Apr. 2012. <http://library.cqpress.com/cqresearcher/cqresrre2008012503>.
 * <span style="font-family: Verdana,Geneva,sans-serif;">Clemmitt, Marcia. "Student Debt." //CQ Researcher Online//. CQ Press, 21 Oct. 2011. Web. 12 Apr. 2012. <http://library.cqpress.com/cqresearcher/cqresrre2011102103>.
 * <span style="font-family: Verdana,Geneva,sans-serif;">Cooper, Mary H. "Paying for College." //CQ Researcher Online//. CQ Press, 20 Nov. 1992. Web. 17 Apr. 2012. <http://library.cqpress.com/cqresearcher/cqresrre1992112003>.
 * <span style="font-family: Verdana,Geneva,sans-serif;">Price, Tom. "Rising College Costs." //CQ Researcher Online//. CQ Press, 5 Dec. 2003. Web. 12 Apr. 2012. <http://library.cqpress.com/cqresearcher/cqresrre2003120503>.
 * <span style="font-family: Verdana,Geneva,sans-serif;">Worsnop, Richard L. "Getting into College." //CQ Researcher Online//. CQ Press, 23 Feb. 1996. Web. 12 Apr. 2012. <http://library.cqpress.com/cqresearcher/cqresrre1996022303>.
 * Steinhauer, Jennifer, and Annie Lowrey. "Student Loan Debate Becomes