Connecting Degree Return-On-Investment with a Better Financing System

While some nerdy people like me thought that college was fun, and so stayed in it for life, for most people it is a chore to be completed with the goal of higher income. College is a big investment—of time, of expenses such as tuition, and of wages unearned due to one’s being in school. … Continue reading “Connecting Degree Return-On-Investment with a Better Financing System”


When Community College Is a Good Investment―And When It Isn’t

Community college is often seen as a cheaper alternative to traditional four-year undergraduate degree programs, providing students with a widely-accessible means to pursue a postsecondary education without being burdened by tens of thousands of dollars (or more) in student loan debt. But does that perception translate into reality―does community college always pay off? As is … Continue reading “When Community College Is a Good Investment―And When It Isn’t”


Did You Know? States Ranked by Debt and Earnings

Last October, the Texas Public Policy Foundation released its national report on the state rankings for public higher education. The ranking is based on median student loan debt and median earnings for university graduates.  The report uses the U.S Department of Education College Scorecard to determine median student loan debt and median earnings. The median … Continue reading “Did You Know? States Ranked by Debt and Earnings”


Letter to the Editor: Restructure student loan payments

To the editor: In reading the many points presented and disparity in socio- economic difference, why has no one ever merely looked at the repayment system and interest accrual on student loans. Re structuring students loans similar to house and car payments were once monthly payments are met additional funding can be applied to the … Continue reading “Letter to the Editor: Restructure student loan payments”


Will Your College Degree be a Good Investment?

From the 1960s until quite recently, the conventional wisdom in America was that going to college and earning a degree was a very good investment. The time and money that a student puts into it would be repaid very handsomely over his or her lifetime. College debt was called “good debt.” No need to worry … Continue reading “Will Your College Degree be a Good Investment?”


How Did We Get Into the Debt Trap?

No one spoke of college students being trapped in debt until rather recently. Prior to the advent of federal student aid programs, college wasn’t expensive, few Americans regarded it as important to their lives, and what borrowing they did for it was through private institutions that were careful not to lend where they perceived too … Continue reading “How Did We Get Into the Debt Trap?”


Did You Know? Another Pause on Student Loan Repayments

Student loans in the U.S. total nearly $1.7 trillion, and at the start of the COVID-19 pandemic, President Trump temporarily paused federal student loan payments and dropped interest rates to zero. The original suspension, which began on March 13, 2020, was only meant to last two months. It has now been extended by both President … Continue reading “Did You Know? Another Pause on Student Loan Repayments”


North Carolina Aims to Halt Predatory Student Loan Lending

Student debt isn’t necessarily always bad. For some, taking out the necessary amount of loans to fund one’s education may be a prudent decision. But before taking out a loan, students should consider how much they actually need to borrow, from whom they should borrow, and whether they will likely be able to repay the … Continue reading “North Carolina Aims to Halt Predatory Student Loan Lending”


What Policies Are Conservatives Actually For in Higher Education?

It’s no secret that higher ed reformers have struggled to offer a compelling alternative to free college and loan forgiveness offered from the left. This failure is partially because conservatives and libertarians are usually on the defensive about higher ed policy. In response to that problem, the American Enterprise Institute organized a panel discussion titled … Continue reading “What Policies Are Conservatives Actually For in Higher Education?”


To Fight Student Loan Debt, North Carolina Schools Need to Stop Pushing Parent PLUS Loans

Student loan debt has received more attention lately, but one aspect has been left out of the debate: parents taking on loans for their children. While undergraduate students generally can only borrow $12,500 each year, Parent PLUS loans have no such limits. This is the first year that the U.S. Department of Education has shared … Continue reading “To Fight Student Loan Debt, North Carolina Schools Need to Stop Pushing Parent PLUS Loans”