The recent data released by the department of education shows that the federal student loan program recently hit a staggering 1.53 trillion dollars. The complaint is that the public student loan forgiveness rescue is not really solving the predicament, while students with a massive debt are still in a quagmire.
Student loans have been exponentially in growth by 153% in the past 11 years. Comparing it with auto and mortgage debt can yet be regarded as a vigorous perception. Statistics indicate that auto debt has grown by 52% while mortgage and credit card debt inversely dropped 1% during the same time period.
It would not be a surprise that many students are struggling with their whopping debts based on the above facts. Since the student loan program is the only consumer debt in cumulative growth, the tuition expenditure continues to rise, and students are now burdened with a snowball that gathers as they go along.
Coincidentally, a survey conducted by NeighborWorks America finds a fact that mutually echoes what it demonstrates behind bare numbers. 57% of the inquired young adults express a burden concern with their debt.
“More than 1 in 3 respondents said they had delayed purchasing a home due to student loan debt or know someone who has done so,” said NeighborWorks America.
Gina Macisaac, a political science undergraduate student inthe University of Redlands, said she feels lucky because her loan debt is very small due to the support of her parents. However, she shows a complete understanding of students with staggering debts.
“My dad is helping me so much with the cost of tuition. But, I know some students around me are not as fortunate as I am and have reckoned thousands of dollars in students’ loans.
It is extremely stressful, and it is something that holds you back. Once you have a job, you have all these payments to make right after, and that’s a lot to handle. Unfortunately, that’s the way that the system works right now,” she explained.
Sean Flynn, a candidate running for the 31st district of the Congress, is one of those who strongly suggests an amelioration toward the plight.
He explains that the current student loan program is totally out of control, for the data shows that from 1978 to 2008, the number of teachers within the Cal State System increased only by 4% while the number of education bureaucrats increased unbelievably by 232%.
It is obvious that the university raises tuition fees when students enroll with more loan money. This leads to a less affordable dilemma for students to get college and vocational training.
“The last time I looked at the data, there were 839,000 Americans over age 65 still paying the student loan. It is hurting parents and family,” he stated.
“The intention for the federal student loan program was originally good because it assumed that students would graduate on time and find a good job right after graduation to easily pay back their loans. Unfortunately, that is not always the case.
Students are struggling to find good-paying jobs. Only 16% of student graduate within four years and about 50% within six years. On top of that, students that take one extra year of study have to pay on average $50,000 more in loans.”
Gina Macisaac reveals that her boyfriend is currently studying at Cal State LA and he is supposed to graduate this year. But due to limited class resources, he has to wait for another one and half year to graduate.
“My boyfriend has seen the issue on his field. He is studying engineering and he could only take certain classes because they only offer it once a year. If you miss it, you have to wait for a whole year to take that class. Now, he is going to graduate in five and a half years instead of four.”
Spencer Hoff, an economic student in Cal Poly Pomona, on the other hands, says it is the compound interest that makes students debt-ridden.
“Compound interest is the most powerful force on earth. It grows really quick.
When students have the compound interest in the loans for 30 years, I don’t think people understand how powerful it is and how much money they are going to pay back. It grows exponentially.”
In this case, the intractability seems to be in a desperate need for improvement.
Sean Flynn, therefore, appeals to a new vision that it should be vital to reducing bureaucrats by increasing the supply of education instead of demand.
“Students should not have to mortgage their futures to get an education. Government higher education funding should once again flow toward increasing the supply of education rather than the supply of debt.”
By: Grace C. Sui
Most Awesome Names to Call Your Girl Best Friend
Looking for the best name to call your best friend? We got you. We have compiled a list of the best 250+ nicknames perfect for all personalities.
Nicknames are more than just a fun name to call your friend or loved one. They tell a mini story about that person, the connection you have with them and how much they mean to you. They, in a way, signify your bond to that person.
I don’t know about you, but I don’t give out nicknames easily. They have to be perfectly cultivated to encapsulate every beautiful, or not so beautiful, thing about the person who is given the name.
It can’t be super boring, basic, or plain (unless of course, that person is boring, but you love them for it anyway). A nickname has to be perfect; no if’s, and’s, or but’s about it, the name has to be absolutely perfect.
Now, after hearing my spiel about how important nicknames are, I am sure you are thinking about the fact that your girl best friend doesn’t have one.
I bet the panic is staring to set in now, “Why doesn’t my girl best friend have a nickname???” and “Why is my nickname for my girl best friend so bad?? How can I make it better?” Take a deep breath and worry no more.
Below are the best nicknames for your girl best friend and they aren’t super plain or basic. If you’re looking for names like those, then this isn’t the article for you because plain nicknames are pretty easy to come up with.
But hey, if that’s the perfect fit for your girl best friend by all means, use that nickname.
Continuing on, below I have taken the nickname game to the next level by organizing all the nicknames into categories.
Simply look through the category that suites your relationship and choose from 50 names, or better yet, use my examples to come up with the perfect custom nickname for your girl best friend.
No matter what name you end up choosing or creating, she will love it!
Before you begin, remember, the nickname process can be a long one and it deserves the time. The perfect nickname can be tricky to find, however, you will know when you’ve found the perfect name because it will fit effortlessly.
Also, if it is the perfect nickname, it may stick with your girl best friend for the rest of her life. So, again, make sure it’s the right name for her! Enjoy the nickname process!
- Smart Names to Call Your Girl Best Friend
- Funny Names to Call Your Girl Best Friend
- Sassy Names to Call Your Girl Best Friend
- Dirty Nicknames to Call Your Girl Best Friend
- Sweet Nicknames to Call Your Girl Best Friend
Smart Names to Call Your Girl Best Friend
Below are some cute smart nicknames to call your girl best friend who always seems to have the answers to everything.
Now, this could be in life, school, or simply random facts; this girl knows it all and more importantly, this girl deserves the perfect nickname.
Consider the options below!
- Big Brains
- Young Sheldon
- Course Hero
- Grade Saver
- The President
- The Secretary
- The Brains
- The Saver
- The Main
- The Teacher
- The Knower
- Shooting Star
- Magic Lady
Funny Names to Call Your Girl Best Friend
Funny, original nicknames are hard to come by these days. It seems as though every good nickname is attributed to someone you already know; therefore, you can’t use it.
If you find this happening to you, consider the list below. This list contains some funny nicknames you may or may not have heard of before.
If you have, consider them as a steppingstone to help you find or create the perfect funny nickname.
- Ding Dong
- Light Weight
- Special __ (letter of their name, ex. Special K)
- The first letter of their name (ex. B)
- Anything based off of their last name
- Barn Dog
Sassy Names to Call Your Girl Best Friend
We all have that one sassy best friend that deserves an equally sassy nickname. If you are struggling to find the perfectly balanced, or not so balanced, sassy nickname look at the list below.
This list has sassy, sassy sweet, feisty, and so many other sassy styles of nicknames for you to choose from.
Browse below and find the best sassy nickname for your girl best friend.
- The Weed
- Pea Brain
- Bean Stalk
- Fuzz Ball
- Your Highness
- Puff Bal
Dirty Nicknames to Call Your Girl Best Friend
Before you choose a nickname from the list below, make sure that your girl best friend is ok with the nickname.
If she gives you the greenlight, then browse below to find the perfect dirty nickname for her. But again, make sure to confirm that she is ok with one of the names below!
- Hot Stuff
- Cold Stuff
- Her last name (ex. Brown) (Keep it as is or change it up, ex. Brownie)
- Bun Bun
- Baby Girl
- My Girl
- Sexy Pants
- Sweet Cheeks
- Sugar Lips
Sweet Nicknames to Call Your Girl Best Friend
Finding a nickname for your sweet girl best friend is usually pretty easy. There are many cute names out there that you could call her.
However, listed below, are some of my all-time favorites. Use this list to pick the perfect nickname.
- Love bug
- Poo Bear
- Snuggle Bug
- Cuddle Bug
- Pookie Bear
- Baby Bear
- Sugar Snap
- Soul Mate
- Boo Boo
- Soul Sister
- Lady Bug
- Fun Size
Final Thoughts on Names to Call Your Girl Best Friend
Friendships are some of the most important relationships we will ever have, therefore, making sure that your bestie has the perfect nickname is very important.
Some friendships are sweet, while others sassy and feisty, but no matter what type of relationship, a nickname should be fitting for both you and your friend (especially because you will be the one calling them said nickname, so you better like it too).
Also, I want to say, using a nickname that is coined “basic” or “overused” doesn’t mean it’s bad. It is a way for you to connect with your friend and it will be meaningful to you and her.
Therefore, even if the nickname is “basic”, it will be more than meets the eye because it bonds the two of you.
If you are struggling or, rather, were struggling to find the perfect nickname, I hope the list above was helpful in finding the perfect nickname or discovering an original one of your own!
No matter what you chose, your girl best friend will love it!
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How Can Literature Classes in College Help You in Life
Much of the world’s historical cultures and traditions have been preserved in literary pieces that can be studied to learn about the older ways of life.
Most literary pieces contain encounters filled with various human experiences that help broaden one’s understanding of the world they live in. In a nutshell, studying literature courses can help you learn about various cultures and histories through commentaries, stories, and theories.
But, there’s more. Modern literature programs and classes are usually structured in ways that enable students to absorb a lot more.
This means that today’s literature programs can help students develop several transferable skills like essay writing, critical thinking, and more.
Thus, those students who study literature in college can learn several skills that can later be beneficial to employers. In this article, we will take a closer look at how literature classes in college can help you in life ahead.
But before we jump in, students reading this should also know that certain aspects of taking literature classes can be tough. For example, it is never easy to write great essays without a thorough knowledge of the process.
Thus, to perform better, students need all the help they can get.
Today, several digital platforms help students with their academic work. For example, students can use a top platform like Studyfy for their help write my essay or ‘edit my essay’ services.
Using such services enables students to boost their academic performance while also giving them insights into their essay work.
In no particular order, here are 8 ways literature classes in college can help you in life.
1) You Can Improve Your Communication Skills
One of the best ways of learning to communicate better is through reading more. While studying literature, students need to continually read through various types of text like prose or poetry.
They are also provided with various study notes and are also encouraged to create their own.
Literature classes can also be very interactive and engaging. Most literature programs include discussions, debates, seminars, and more.
Overall, students would be able to learn better communication through more reading, listening, evaluating, and writing.
2) You Will Be Motivated to Weave Your Life’s Story
The main essence of any work of literature is that one can always find a story in them. This is because most literary pieces are created to record various events experienced in one’s body, mind, and surroundings.
And these experienced events are usually recorded as stories. Thus, reading more literary works can help mold the idea of ‘story creation’ early on in students.
And attending literature classes in college helps students understand the know-how of how it can be done.
3) It Can Help Improve Your Evaluation Skills
Studying literature properly is not just about plain and simple reading. But it also has a lot to do with being able to discern what one reads. And learning the art of discernment can improve one’s overall evaluation skills.
Being able to discern and evaluate then goes to help students communicate and write a whole lot better.
And this skill – of reading, evaluating, and understanding – is of paramount importance in the professional world.
4) You Can Become More Articulate
Most literary works are written in different styles because they are written by different people. And the more one reads, the more they would understand the complexities behind different writing styles.
But studying literature in college has more benefits than this.
Throughout one’s literature program, they will be put through various tests to gauge and improve their literary abilities. And one of the main abilities one can work upon is being more articulate.
This means that a good literature student would always include all the details when making any type of argument or point.
5) You Can Become a Better Writer
Yes, the ability to write well depends a lot on one’s imagination and frame of mind. But, to become a great or even good writer, one also needs to do a bit of reading.
This is because, without reading previous works, one will not be able to know the required standards for great pieces of text. And without it, one will not be able to write such that it grips their readers.
In the professional world, writers are some of the most well-paid workers. This is because they can convert heaps of information into understandable and engaging texts.
And this can help a business connect with its audience a whole lot more.
6) You Can Improve Your Interactive & Social Skills
Literature courses and programs are some of the most interactive ones around. Why? Because it involves a lot of discussions, debates, storytelling sessions, and more.
In any literature class, one can always find various types of commentaries and speeches from professors and students alike.
Literature students have the unique opportunity of digging deeper into various subject areas. And the best part is that they can do so with all of their peers together.
Learning such interactive and engagement skills from one’s classroom can help them greatly in their future careers.
7) It Can Improve Your English Skills – Better Grammar, Punctuation, & More
English is not only the most spoken but is also considered a standard language across several international communities. Thus, to grow to greater heights, sooner or later, one needs to brush up on their English skills.
Most literature programs and classes around the world are conducted in English. When one takes up a program in English, they have the opportunity of learning the language usage from the masters.
Thus, learning literature early on in life can profoundly improve one’s overall English skills, which can be crucial for career progression.
8) It Can Teach You Critical Thinking & Broaden Your Horizons
To efficiently power through a literature class or program, one needs to be able to contribute adequately. But one’s contribution is often seen as beneficial when they are also able to communicate their knowledge neatly.
A study of literature can achieve this by making students find various patterns and meanings in texts. Literature from various periods of the world also contains much information about historical cultures and traditions.
It can give a lot of insight to students about how people during different times in history were, what they did, how they thought, and more. This broadens one’s horizons and makes one look at the world in an autobiographical way.
The Bottom Line
There is no doubt that studying literature in college has several benefits for one’s life. But that being said, literature programs can be difficult in terms of learning and scoring higher grades easily.
Students should learn beforehand about all the intricacies and semantics of their desired programs. Doing so would help them know which particular literature program would be the most suitable for them.
What To Bring To College – The Ultimate 2022 College Packing List
Are you having trouble knowing what to bring to college? We’ve got you covered! Check out this essential list of what to bring to college.
This post probably contains affiliate links. Our full disclosure is long, but you can find it here.
This post is all about the college packing list!
Going away for college is the beginning of a brand new journey. You are leaving home behind for three or four months to live in a place that you have never been to before.
You now have to go to classes, move into your dorm room and receive a whole new set of responsibilities since you are off on your own. This is a big transition for any college student because you are going from having to abide by your parents’ rules to forming ones of your own.
Your parents will still check in with you and make sure you are okay, but now, in college, you are allowed to become independent and make your own decisions.
Now, it is your turn to have faith in yourself and make the right choices, starting with preparing what to pack away for college. You are going to be away from home for a whole semester, so you have to make sure that you have all of the things you need.
You need accessories to jazz up your dorm room. You need enough personal care products to last the entire semester. You have to make sure that all your school supplies are packed in your backpack and that you are up to date with the latest electronics.
If you are fortunate to have your own kitchen in your dorm, you must have all of the right tools with you so that you can learn to cook your meals on campus. Through this guide to packing what you have to bring to college, you will know exactly what you need and get you on the right track!
In this article
- College Packing List for your Dorm Room
- College Packing List of School Supplies
- College Packing List of Kitchen Supplies
- Essentials for Cleaning and Bathroom
- Packing List of Personal Care Products
- Packing List of Electronics
- Food and Snacks
- Packing List of Fun Stuff
6. Personal Fan
10. Pen/Pencil Case
11. Office Clips Set
12. 3-Hole Punch
16. 4-Pocket Binder
18. 2-Slice Toaster
26. Linen Towel Set
28. Face Masks
30. Facial Tools
31. Beard Kit
32. Under Eye Masks
Packing List of Personal Care Products
34. Scalp Massager
37. Foot File
39. Sleep Headphones
47. Fitbit Versa 2
48. Mini Projector
49. Hand Warmers
Final Thoughts on College Packing List
Getting ready to leave for college is an incredibly difficult task because you are essentially leaving behind the life you had always known, at least for a few months, to a brand new environment.
You will become mostly surrounded by people you have never met before and you have to rely on your own decision-making to solve problems that may arise in the upcoming semester.
It may seem very overwhelming and it is easy to become stressed out during this period, especially with the preparations before you leave for college.
You want to make you have everything you need before you are off on your own, which includes your personal care products, electronics, kitchen supplies, and dorm accessories.
Hopefully, this list has helped guide you in choosing the right items to bring!
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