College Students Debts in the United States Research Paper

Pages: 4 (1379 words)  ·  Bibliography Sources: 4  ·  File: .docx  ·  Level: Doctorate  ·  Topic: Education - Administration

The number of students aided increased from 13.8 million in 2010 to 16 million in 2012 and is expected to grow to 18.7 million in 2016 (an increase of 36% over 2010)."(Razaki, Koprowski, & Lindberg, 2014 p101).

Fig 2: Student Loans Compared to other Household Loans between 2004 and 2012

In the last few decades, there has been an increase in the number of borrowers reaching more than 70% increase in 2014. Major factors that lead to student debts' increase is that a large number of people attend colleges. Moreover, many parents take loans to sponsor their children. The lower repayments rates also make an increasing number of students to take loans. However, trends have shown that the student loans will increase in the near future.

3. Possible Solutions and Ramifications for Higher Education

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The best solution to address the student's loan increase is that the federal government should reduce the amount of loans offered to college students, and use the net funds to increase the number of higher educational institutions across the United States to reduce the tuition costs offered by colleges. It is essential to realize that an easy access to government loans make many colleges raise tuitions costs at the expense of students. The Bennett Hypothesis shows that many colleges increase the tuition costs for undergraduate and graduate students without raising the quality of education. Thus, if the government increases the number of colleges that offer online undergraduate and graduate programs across the United States at affordable costs, many colleges will be forced to slash down their tuition costs.

4. Analysis of the Impact on Higher Education Today and towards the Future.

Research Paper on College Students Debts in the United States Assignment

Analysis of market forces of higher education has shown that there is a gradual increase in the demand for a college education which is more than the supply. The major reason is that colleges and universities have become a major societal hub to acquire knowledge. Typically, higher education provides a significant contribution in a recent advanced in science and technology. While higher education has provided the immense contribution to an advance in technological development, however, the internet has offered the opportunity for a large number of people to acquire knowledge. Typically, the transmission of knowledge will no longer be offered in the traditional college campus with increasing number of online courses springing up at every corner of the United States. In the future, the cloud computing will offer a quality education similar to the traditional education.

"By 2020, higher education will be quite different from the way it is today. There will be mass adoption of teleconferencing and distance learning to leverage expert resources. Significant numbers of learning activities will move to individualized, just-in-time learning approaches. There will be a transition to "hybrid" classes that combine online learning components with less-frequent on-campus, in-person class meetings." (Anderson, Boyles, & Rainie, 2012 p 3).

5.Ethical Implications of Financing Issues Handled in Higher Education.

The ethical issue surrounding the financing of higher education has made an increasing number of students challenge the quality of the education offered by colleges versus the tuition costs. Typically, the federal student loans have created an incentive for colleges to increase the tuition costs without a corresponding increase in the quality of education offered to students. Moreover, students are overpriced compared to the quality of education received. Since higher institutions in the United States depend on students' payments for financing, thus, they often increase the tuition costs without notice leaving a large majority of students in debts after graduation.


The student loan started in 1840 in the United States. Over the years, students' enrollment to colleges starts to increase making colleges increase the tuition costs. Today, more than 70% of students after graduation are in debts. The study suggests that the federal government should reduce the loans offered to students and use the net funds to establish more colleges across the United States to slash down the tuition costs.


Anderson, J. Q. Boyles, J.L. & Rainie, L. (2012). The Future Impact of the Internet on Higher Education. Pew Research Center's Internet & American Life Project.


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