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008 230125s2023 flua e b 001 0 eng
010 2022050905
020 9781604271898|qpaperback|qacid-free paper
020 1604271892|qpaperback|qacid-free paper
040 DLC|beng|erda|cDLC|dOCLCF|dGK8|dGP5|dVP@|dIL2|dYDX|dGL4
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043 n-us---
092 378.362|bLIN
100 1 Linton, David E.,|d1982-|eauthor.
245 10 Crushed :|bhow student debt has impaired a generation and
what to do about it /|cDavid E. Linton ; foreword by John
Katzman.
264 1 Plantation, FL :|bJ. Ross Publishing, Inc.,|c[2023]
300 xix, 291 pages :|billustrations (some color) ;|c23 cm
336 text|btxt|2rdacontent
337 unmediated|bn|2rdamedia
338 volume|bnc|2rdacarrier
504 Includes bibliographical references (pages 253-283) and
index.
505 0 Foreword -- Introduction -- About the author -- WAV --
Part I. How did we get here? Chapter 1. A brief history of
the growth of the American university system -- Chapter 2.
Why is college so damn expensive? -- Chapter 3. the value
of a degree: why go to college? -- Chapter 4. the
university endowment: what is it and why should we care? -
- Chapter 5. The student loan industry: how debt grew and
consumer protections shrank -- Chapter 6. How student
loans have impaired a generation -- Chapter 7. Disparate
outcomes: how postsecondary institutions harm minority
communities -- Chapter 8. Policy solutions: how we fix
this mess -- Chapter 9. What every parent, student, and
perspective student should know.
520 "Crushed is a timely and insightful work that sheds light
on the state of American universities and their graduates.
It takes readers on a fascinating and reflective journey
into the current student debt crisis and how it has become
a major burden to American society. Beyond just describing
how we got into this huge mess, Crushed also offers
actionable public-policy steps to help fix this ever-
growing problem.This reader-friendly guide explores the
U.S. university system in depth, the incentive structures
driving university decisions, and what has led to both
rapid tuition inflation and skyrocketing student debt. It
also explores why the U.S. university system is no longer
reducing the racial wealth gap and how it is now
contributing to intergenerational poverty. Crushed
explains what every parent or prospective student should
know before, during, or after enrolling in college,
including what choices they should make to graduate on
time, with a valuable degree, and with little (or no)
debt. Additionally, it concludes with a detailed policy
discussion and provides simple, yet powerful, ways to
mitigate and eventually eliminate runaway tuition
inflation and the overwhelming stock of student debt. Key
Features: --Reviews the growth and development of the
American university system, including its objectives,
successes, and failures--Explains university endowments,
why these pools of capital are so large, and how they can
be used more efficiently to ensure students graduate on
time with valuable degrees--Details the growth of college
tuition, explains how tuition and other sources of income
are used, and describes the perverse incentives that have
led to unchecked tuition inflation--Provides an in-depth
analysis on the value of a college degree and describes
how that value has changed over time--Explains how the
student loan industry grew to its current size and
provides an explanation for how and why consumer
protections were reduced--Describes how the current
tertiary educational system harms minority students and
contributes to the interracial wealth gap--Details
legislative solutions to reducing debt, aligning
incentives, restoring bankruptcy protections, and reducing
the cost of a college education without reducing its
value"--|cProvided by publisher.
650 0 Student loans|zUnited States.
650 0 College costs|zUnited States.
650 0 College graduates|zUnited States.
|