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Texas A&M University *
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Subject
Philosophy
Date
Jan 9, 2024
Type
Pages
5
Uploaded by AmbassadorFlowerHamster5
1
THE STUDENT DEBT CRISIS
Andres A. Jaen, Christian Lerma
Department of Life Sciences, Texas A&M University of Corpus Christi
UNIV-1101: University Seminar 1
Professor Jeffrey Schaffer
October 19, 2022
2
References
Bragg, M. R. (2005, Apr 19). Kind seeks opinions on education; congressman said he feels the
federal higher education act has received little attention.
Telegraph - Herald
Retrieved
from
https://manowar.tamucc.edu/login?url=https://www.proquest.com/newspapers/kind-seeks
-opinions-on-education-congressman-said/docview/368534934/se-2
This news article is about U.S Representative Ron Kind wanting to urge for the push
away from loans and grant programs that leave students in debt. He believes that the
Higher Education Act should be getting more attention so that they can fix the
affordability issue. I will be using this news article to show where some congressmen
stand on the student debt crisis. I will also use this to further push the idea of how we
should revise the Higher Education Act.
EDUCATION.
Congressman Peter DeFazio. (n.d.). Retrieved October 19, 2022, from
https://defazio.house.gov/issues/education
In this article, DeFazio believes and supports the funding for students to attend college as
he also supports lowering student loan interest rates. He believes that the federal
government should be helping and not gaining from the students. He’s proposing a new
solution for the Higher Education Act which lowers debt. I will use this information to
explain how there can be new solutions to fix student debt and ways people such as
Senators or Representatives can help.
3
Hess, A. J. (2020, June 12).
How student debt became a $1.6 trillion crisis
. CNBC. Retrieved
October 19, 2022, from
https://www.cnbc.com/2020/06/12/how-student-debt-became-a-1point6-trillion-crisis.htm
l
This article states that the start of the Higher Education Act provided inequality due to it
being made and actively changing between the years 1890-1940. Though later on with all
the new laws that provided equality and change in the new era tuition and inflation raised.
In 2007 the great recession happened and that provide a huge boost in the increase in
tuition which plays a big role in why students seek loans and are now in debt. I will use
this journal piece to help bring sight onto why student debt happened.
Johnson, A. R. (2014, Jul 13). Student debt-relief services come under scrutiny; Illinois attorney
general plans to file civil lawsuits against two companies Monday.
Wall Street Journal
(Online) Retrieved from
https://manowar.tamucc.edu/login?url=https://www.proquest.com/newspapers/student-de
bt-relief-services-come-under-scrutiny/docview/1544702806/se-2
This journal is about a U.S department of education spokesperson coming up with ideas
to make loans free and ways to make repaying them easier and more “flexible”. This
article also provides information on debt relief and programs to help students. I plan to
use this information to provide more insight into student debt and why it was raised. I’ll
also use this found information to give more info on what laws made student debt
difficult.
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4
New America. (n.d.).
Student loans
. Education Policy. Retrieved October 19, 2022, from
https://www.newamerica.org/education-policy/topics/higher-education-funding-and-finan
cial-aid/federal-student-aid/federal-student-loans/
Student loans started in 1965 due to a program called the Federal Family Education Loan
(FFEL). These were loans given under the National Defense Education Act of 1958,
these were loan as direct loans. Though with time thanks to new acts such as the
Omnibus the Reconciliation Act of 1993 allowed students to receive loans. Now due the
The federal loan program, loans haven't been helpful to students. These loans nowadays
carry high interest which makes it hard for students to pay them off and it leaves them
in debt, thus causing today's student debt crisis. I will use this article to provide
information about what laws created loans and why we are facing a debt crisis.
Rayner, P. (1987, Apr 19). CONGRESSWOMAN THRIVES ON A CHALLENGE.: [THIRD
EDITION].
Morning Call
Retrieved from
https://manowar.tamucc.edu/login?url=https://www.proquest.com/newspapers/congressw
oman-thrives-on-challenge/docview/392167430/se-2
This news article is about U.S Representative Claudine Schneider and her view on loan
and grant fairness. Representative Schneider is fighting to make “equal access” to student
loans for females and children. I will use this article to show that the Higher Education
Act created more problems other than student debt. I will use this to show that the Higher
Education Act produced inequality for females.
5
Text - H.R.5103 - 117th Congress (2021-2022):
Quality Higher Education Act of 2021
. (2021,
August 24).
http://www.congress.gov/
This bill is about the Higher Education Act. Higher education was a bill passed to help
students learn without the worries of not being able to afford it. It was a bill that was
made to help low-income families attend college. I will include this in my project
because it is the law that started the problems with student debt. I will use this to show
why and how it needs to be modernized.