Stasis Grid

Author Info
Up to three
names, write
them all; 4+,
write first name
et al. (i.e.,
Smith et al.)
Goodin-Smith

Kahlenberg

Source Type
(popular,
scholarly,
trade,
government)

Categorical
Does X exist?

Definitional
Is X a Y?

Newspaper

Average student
loan debt $33,000
for the Class of
2014.

community college
students maintaining
a 2.5 GPA will be
eligible for the
program

Magazine

Causal
Does X cause Y? Is Y
a result of X?

Evaluation
Is it good or bad?
Fair or unfair?
Harmful or
beneficial?
People like Tracy Lo
believe it is a good
option, but it
wouldnt have made
her change her mind.

Obamas plan will

make two-year
institutions more
economically and
racially integrated
the Obama proposal
could begin an
important process of
reversing the negative
effects of
socioeconomic
segregation in higher
education

Nicole Bidoli wishes

she could go back in
time and have such
an opportunity.
Its in everyones
interest to ensure
that community
colleges are
socioeconomically
integrated.

Action
What should be
done about X?

Jurisdiction
Who is
responsible?

Stasis Grid
Strauss

Blog

the presidents plan

would primarily
subsidize the
community college
tuition of more welloff students
community college
students are not as
motivated as others
in the first place

Daniels

Organizational
White Paper

Devarics

Blog

Frontline

Documentary

People lack
confidence in
higher education

Compliance costs are a

major cause of high
tuitions

Private Loans Lack

Consumer Protections

Incentives of
quick profits
were reason
enough to lend to
anyone

Asset backed
securities: a loan that
has its risk assumed
by investors

bankruptcy law
treats private loans
"in the same severe
manner as people
trying to escape
child support
payments, alimony,
overdue taxes and
criminal fines.

we need a college
access plan that
allows students to
choose the
institution that
best meets their
needs and goals

The united states

government needs
to allocate funds
to the pell grant
program

New legislation
needs to be made
to protect
students/universiti
es

The government
(financial aid
programs,
compliance) and
universities.

We need to
change the laws
surrounding
private loans

Asset backed
securities and
predatory lending
processes caused
the meltdown

Stasis Grid
Gottesman

TEDx Talk

Nicoletta

Dissertation

Two-thirds of
students take out
loans. Out of
students paying
loans who are
under thirty,
thirty five percent
are at least ninety
days overdue on
their payments.
In addition to
this, tuition is up
one-thousand
percent since
1978 (four times
the inflation rate)
and, as of 2011,
average tuition
grew twentyseven percent
from the year
2000, while
wages declined
fourteen point
seven percent.

United States higher

education finance is
unsustainable

The total amount of

private lending
available is
dependent on the
market. Student loans
are collateralized and
sold as asset-backed
securities. Trends in
private student

even though they

have a stigma, we
should use online
courses to the
advantage of
students.

This increase in
borrowing has had
broad effects on
consumerism: the
number of twenty-fiveto thirty-four-year-olds
purchasing homes has
decreased, with
substantially more

Federal loans offer a

number of
repayment plans that
calculate monthly
payments based on
the borrowers
income after
graduation. Many of
these plans forgive

Stasis Grid
lending can be
compared to the
boom in the subprime
mortgage market that
occurred between
2005 and 2007.

Palacios

Popular

Students and
families are
encouraged to
invest at any
price

Weissmann

Magazine

The U.S.
government
spends higher
education funds
the following
way: 107.4
billion in loans

people in this age

bracket moving in with
their parents
market demand for
these securities has
decreased, and lenders
have correspondingly
increased their
underwriting standards
and begun requiring
cosigners in order to
improve the likelihood
of repayment.
asset-backed securities
could incentivize
lenders to loosen
underwriting standards
in the future and
originate more loans.
Due to the fact that
loans are virtually
limitless, there is no
incentive for tuition to
stop rising

Public schools enroll

75% of students

any remaining
balance if a
borrower pays
according to the plan
for a specified
number of years.
Further, once federal
loans are in default,
borrowers have the
opportunity to cure
the default, which
will change how it is
reflected on the
borrowers credit
report. Borrowers of
private student loans
do not enjoy these
protections.

Private student loans

are a major headache
for their borrowers
and we need to look
past them
Higher education
finance is a confused
mess in the United
States

We should make
college free

Stasis Grid
35.9 billion in
frants
32.6 billion in tax
benefits
.93 billion on
work study
programs