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Author: Jason N. Houle
Publisher: Harvard Education Press
ISBN: 1682537579
Category : Education
Languages : en
Pages : 264
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Book Description
A Dream Defaulted explores how the student loan crisis disproportionately affects Black borrowers and why rising student debt is both a cause and consequence of social inequality in the United States. Jason N. Houle and Fenaba R. Addo offer a deft analysis of the growing financial crisis in education, examining its sources and its impacts. Based on more than five years of ongoing qualitative and quantitative research, this incisive work illustrates how the student loan system has not benefited all students equally. The authors tell the story of how first-generation college students, low-income students, and students of color are disadvantaged in two opposing phases of the process: debt accumulation and debt repayment. They further demonstrate that policies intended to mitigate financial burden and prevent default have failed to assist the people who most need help. Houle and Addo present these social and racial disparities within a broader context, tracing how centuries of institutionalized racism have contributed to social and economic inequities, perpetuating the racial wealth gap and leading to intergenerational inequality. Through interviews with borrowers, they illuminate the ways in which racial disparities affect who has college access, how and why people take on debt, and who has the ability to repay student loan debt after leaving college. Recognizing that the affordability crisis cannot be solved by higher education reform alone, Houle and Addo consider solutions. They argue that policy must extend beyond debt reduction and financial aid to address entrenched patterns of racial inequality and racial discrimination, both inside and outside institutions of higher education.
Author: Jason N. Houle
Publisher: Harvard Education Press
ISBN: 1682537579
Category : Education
Languages : en
Pages : 264
Get Book Here
Book Description
A Dream Defaulted explores how the student loan crisis disproportionately affects Black borrowers and why rising student debt is both a cause and consequence of social inequality in the United States. Jason N. Houle and Fenaba R. Addo offer a deft analysis of the growing financial crisis in education, examining its sources and its impacts. Based on more than five years of ongoing qualitative and quantitative research, this incisive work illustrates how the student loan system has not benefited all students equally. The authors tell the story of how first-generation college students, low-income students, and students of color are disadvantaged in two opposing phases of the process: debt accumulation and debt repayment. They further demonstrate that policies intended to mitigate financial burden and prevent default have failed to assist the people who most need help. Houle and Addo present these social and racial disparities within a broader context, tracing how centuries of institutionalized racism have contributed to social and economic inequities, perpetuating the racial wealth gap and leading to intergenerational inequality. Through interviews with borrowers, they illuminate the ways in which racial disparities affect who has college access, how and why people take on debt, and who has the ability to repay student loan debt after leaving college. Recognizing that the affordability crisis cannot be solved by higher education reform alone, Houle and Addo consider solutions. They argue that policy must extend beyond debt reduction and financial aid to address entrenched patterns of racial inequality and racial discrimination, both inside and outside institutions of higher education.
Author: Laura Gottesdiener
Publisher: Zuccotti Park Press
ISBN: 1884519210
Category : Biography & Autobiography
Languages : en
Pages : 210
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Book Description
A moving exploration of homeownership, freedom, and the American Dream in light of the ongoing financial crisis and mass foreclosure.
Author: Kij Johnson
Publisher: Tordotcom
ISBN: 0765386518
Category : Fiction
Languages : en
Pages : 105
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Book Description
One of NPR's Best Books of 2016 and a Hugo, Nebula, John W. Campbell, and Locus Award finalist for Best Novella Professor Vellitt Boe teaches at the prestigious Ulthar Women’s College. When one of her most gifted students elopes with a dreamer from the waking world, Vellitt must retrieve her. "Kij Johnson's haunting novella The Dream-Quest of Vellitt Boe is both a commentary on a classic H.P. Lovecraft tale and a profound reflection on a woman's life. Vellitt's quest to find a former student who may be the only person who can save her community takes her through a world governed by a seemingly arbitrary dream logic in which she occasionally glimpses an underlying but mysterious order, a world ruled by capricious gods and populated by the creatures of dreams and nightmares. Those familiar with Lovecraft's work will travel through a fantasy landscape infused with Lovecraftian images viewed from another perspective, but even readers unfamiliar with his work will be enthralled by Vellitt's quest. A remarkable accomplishment that repays rereading." —Pamela Sargent, winner of the Nebula Award At the Publisher's request, this title is being sold without Digital Rights Management Software (DRM) applied.
Author: Sampson Lee Blair
Publisher: Emerald Group Publishing
ISBN: 1804554189
Category : Family & Relationships
Languages : en
Pages : 345
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Book Description
Given the tremendous diversity in cohabiting couples, as well as the increasing prominence of this form of intimate relationships, this volume provides a more thorough comprehension of the structures, effects, and intimate practice of cohabitation around the world.
Author: Blake R. Silver
Publisher: University of Chicago Press
ISBN: 0226834751
Category : Education
Languages : en
Pages : 247
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Book Description
An ethnographic analysis of how insecurity is at the heart of contemporary higher education. Institutions of higher education are often described as “ivory towers,” places of privilege where students exist in a “campus bubble,” insulated from the trials of the outside world. These metaphors reveal a widespread belief that college provides young people with stability and keeps insecurity at bay. But for many students, that’s simply not the case. Degrees of Risk reveals how insecurity permeates every facet of college life for students at public universities. Sociologist Blake Silver dissects how these institutions play a direct role in perpetuating uncertainty, instability, individualism, and anxiety about the future. Silver examined interviews with more than one hundred students who described the risks that surrounded every decision: which major to choose, whether to take online classes, and how to find funding. He expertly identified the ways the college experience played out differently for students from different backgrounds. For students from financially secure families with knowledge of how college works, all the choices and flexibility of college felt like an adventure or a wealth of opportunities. But for many others, especially low-income, first-generation students, their personal and family circumstances meant that that flexibility felt like murkiness and precarity. In addition, he discovered that students managed insecurity in very different ways, intensifying inequality at the intersections of socioeconomic status, race, gender, and other sociodemographic dimensions. Drawing from these firsthand accounts, Degrees of Risk presents a model for a better university, one that fosters success and confidence for a diverse range of students.
Author: Jennie E. Brand
Publisher: Russell Sage Foundation
ISBN: 1610448936
Category : Education
Languages : en
Pages : 327
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Book Description
Each year, millions of high school students consider whether to continue their schooling and attend and complete college. Despite evidence showing that a college degree yields far-reaching benefits, critics of higher education increasingly argue that college “does not pay off” and some students - namely, disadvantaged prospective college goers - would be better served by forgoing higher education. But debates about the value of college often fail to carefully consider what is required to speak knowledgeably about the benefits –what a person’s life might look like had they not completed college, or their college counterfactual. In Overcoming the Odds sociologist Jennie E. Brand reveals the benefits of completing college by comparing life outcomes of college graduates with their college counterfactuals. Drawing on two cohorts of nationally representative data from the Bureau of Labor Statistics National Longitudinal Surveys program, Brand uses matching and machine learning methods to estimate the effects of college completion across students with varying likelihoods of completing four-year degrees. To illustrate her findings, Brand describes outcomes using matched vignettes of college and non-college graduates. Brand shows that four-year college completion enables graduates to increase wages and household income, while also circumventing unemployment, low-wage work, job instability, poverty, and social assistance. Completing college also increases civic engagement. Most of these benefits are larger for disadvantaged than for more advantaged students, rendering arguments that college has limited benefits for unlikely graduates as flawed. Brand concludes that greater long-term earnings, and less job instability and unemployment, and thus more tax revenue, less reliance on public assistance, and high levels of volunteering indicate that public investment in higher education for students from disadvantaged backgrounds yields far-reaching collective benefits. She asserts that it is better for our society when more people complete college. Overcoming the Odds is an innovative and enlightening exploration of how college can transform lives.
Author: Blake R. Silver
Publisher: Cambridge University Press
ISBN: 1009408259
Category : Education
Languages : en
Pages : 493
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Book Description
Explores the higher educational journeys of students of immigrant origin, providing policy, practice, and research implications.
Author: Charlie Morley
Publisher: Hay House, Inc
ISBN: 1837822387
Category : Body, Mind & Spirit
Languages : en
Pages : 339
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Book Description
Embark on your journey to psychological and spiritual growth with this revised edition of Charlie Morley’s bestselling exploration of the practice and benefits of lucid dreaming. Dreams of Awakening is a thorough and exciting exploration of lucid dreaming theory and practice within both Western and Tibetan Buddhist contexts. This revised edition includes up-to-date scientific research, new sections on the use of lucid dreaming to aid the treatment of anxiety, panic attacks, nightmares and healing your inner child, together with brand new techniques for day- and night-time practice. Charlie distils wisdom from more than 20 years of personal practice and the lucid dreaming workshops he has taught around the world. Using a three-part structure of Ground, Path and Germination you’ll learn: – the history and transformative benefits of lucid dreaming – techniques for lucid dreaming your way to psychological and spiritual growth – the latest research into the application of lucid dreaming for healing – how to rewire your brain to create new, positive mind states while you sleep This book is for all those who want to wake up to their true potential, both in their dreams and their waking lives.
Author: Gregory Makoff
Publisher: Georgetown University Press
ISBN: 1647123976
Category : Business & Economics
Languages : en
Pages : 416
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Book Description
"This is the riveting tale of Argentina's sovereign debt drama, a complicated story that unfolds over 15 years and involves a host of characters, institutions, and issues. The country defaulted on its debt in 2001, restructured it in 2005, and was in court for the ensuing decade. The debt restructuring and the lawsuits that followed have had an outsized impact on sovereign debt law, sovereign debt markets, and sovereign debt policy: Argentina's pending default triggered an intense fight in Washington over the role of the IMF in sovereign debt restructurings; Argentina's default and its losses in court triggered the adoption (and enhancement) of a quasi-bankruptcy feature in sovereign bonds called Collective Action Clauses; the Argentina bond cases generated numerous opinions from the courts relating to what creditors can and can't do to try to collect from a country in defau
Author: Mike Howerton
Publisher: Baker Books
ISBN: 1441246568
Category : Religion
Languages : en
Pages : 168
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Book Description
We can all remember the first time we learned to ride a bike. That terrible thrill when we first realized Dad had let go of the seat and we were on our own. That first crash and the skinned knees. The life of a Christian is a lot like that. We want to experience the freedom we're promised, so we take a risk, a leap of faith--and sometimes we fall. But just like Dad running alongside of us, God is always there, equipping us, encouraging us, and comforting us. Through the powerful analogy of teaching his son to ride a bike, Mike Howerton lays out five essential life lessons that will help readers recapture a childlike faith and embrace a passionate, adventurous life full of possibilities and promise.
