The Future of Student Loans | Marilyn Gardner

The Debate

The rising cost of education and the volume of student loans need to be addressed to prevent the effects of debt from affecting future generations. Policymakers and experts agree that rising student debt can negatively affect the financial goals of young people.

They argue that although the older generations could pay for their education, the situation has changed for the younger ones due to the high cost of tuition and the COVID-19 epidemic.

Student loans are typically harder to discharge in bankruptcy than other consumer debts. In court, borrowers must prove they are in financial hardship to get their loans erased.

Although policymakers and experts agree that student loan debt can negatively affect the financial goals of young people, they have different ideas on how to address the issue. For instance, some believe that loan cancellation should be universal, while others think targeted relief is needed.

According to some analysts, the perception that college gives students the only path to success in a lucrative job leads to higher demand. It drives up the cost of education. During the past few years, politicians from different political parties have advocated for increasing access to technical and career education.

The Biden Program

The Biden administration’s program, expected to help about 40 million borrowers, falls between targeted and large-scale debt relief. It provides up to $20,000 in debt reduction for recipients of federal grants and non-Pell grant recipients with a yearly income of less than $125,000.

The program may reduce the federal government’s student loan holdings by about $441 billion. About 8 million borrowers will automatically receive debt reduction, while the rest will have to apply for forgiveness by December 31, 2023.

Aside from debt relief, the program aims to reform the student loan repayment system. It will cap the minimum monthly payment for undergraduate loans at 5% of the borrower’s discretionary income.

The application process’s complexity and the program’s participants’ low success rate have garnered criticism. Despite this, the Biden administration noted that its plan would allow more people to qualify for student loan forgiveness.

Critics of the program also raised concerns about its feasibility and cost. For instance, the cost of debt cancellation will reach $400 billion over three decades. Other groups claim that the lower minimum payment will increase the cost of living and harm taxpayers.

Despite the program’s adverse effects, supporters of the initiative noted that it benefits the country. Economists also said that it wouldn’t increase inflation rates. Supporters of the program indicate that it would allow graduates to take on lower-paying jobs in the public sector.

This blog was previously published on February 6, 2023 at MarilynGardner.org

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Education Trends to Watch in 2023

Trends that will have a significant impact on the future of education in 2023 and beyond are focused on mental health, hybrid learning, and prioritizing students.

Looking ahead to 2023, we expect more innovation and inspiration for learning communities.

Hybrid Learning Model

In 2020, the sudden emergence of online classes caused many students to miss out on learning opportunities. Since then, we’ve learned that online learning can benefit educators and students if appropriately implemented.

In the next year, schools will continue developing hybrid learning models that allow students to take in-person classes while participating in the virtual classroom. With the necessary equipment and lesson plans, administrators can ensure that the hybrid classroom is successful.

If a few students get sick but are well enough to join the class virtually, they’re less likely to drop behind.

Power Skills

According to a survey, over 90% of hiring managers consider soft skills such as collaboration and problem-solving more important than hard skills when hiring.

Schools and colleges are starting to implement new strategies to promote the importance of soft skills. In the UK, for instance, officials are trying to redefine these skills as power skills.

Project-based learning is one of the methods used to integrate these skills. This type of teaching model allows students to solve problems using hands-on activities.

E-Games

In the US, almost 100 percent of children play video games regularly. The increasing popularity of electronic games has been attributed to the rise of online learning.

Games can provide students with a variety of ways to experience certain concepts. Gamification can also help develop a more balanced learning process.

This blog was previously published on January 6, 2023 at https://marilyngardnermilton.org/

Tips for Getting the Most Out of Distance Learning

Before the rise of technology, getting a college degree required taking in-person classes. This method was often challenging for working professionals and those with different schedules. With the increasing number of degree programs that allow for online learning, it’s now easier than ever to find a program that fits your needs.

Although online classes can be challenging, they can also be an excellent alternative to traditional classes. Using online courses effectively can help you get the most out of them. Here are some tips to help you get the most out of your next class.

Show Up

One of the essential factors you need to consider when using online courses is the dedication and discipline required to complete them. Although you can be flexible with when and how you want to finish your work, you can’t put it off.

One of the easiest ways to ensure that you follow through with your online course is by remembering that you are paying for it. Like in-person classes, you must show up to get the most out of your online education. Doing so will allow you to get the most out of your course and ensure you make the most of your learning.

Set Up Accountability Measures

Before the semester begins, set goals and regularly check in with yourself to ensure that you follow through with them. In in-person classes, you often receive visual or verbal reminders about an upcoming assignment. However, without a professor’s guidance, it’s up to you to ensure you have the time to finish the work.

If you need help holding yourself responsible, try setting up an accountability partner with a fellow student or a friend. Being proactive, organized, and self-aware can help you get the most out of your online education.

Minimize Distractions

Getting caught up in social media, Netflix, and other electronic devices can keep you from focusing on your studies. The amount of difficulty these distractions can cause depends on your situation and personality. For instance, some people can easily block out the noise in their homes by listening to music. Others can try working from a local library or coffee shop.

If you are working from home or in a different area, try turning off your cell phone to avoid getting distracted by notifications or text messages. If you still have trouble staying away from the web and checking your email, try downloading a browser plug-in that can block various websites and apps.

Participate

Participate in the online forum to improve your understanding of the materials and connect with fellow students. This can be done by commenting on a fellow student’s paper or posting a question about a particular project. Ask your professors for clarification if there is something that you should know.

One of the most critical factors you should consider when using online courses is the regularity of your check-in. Since the learning environment is flexible, you can easily schedule a time for a discussion response if you have a few minutes before dinner.

If you have difficulty finishing your assignments, try reaching out to your professor. Being proactive can help you get the help that you need.

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Originally published at MarilynGardnerMilton.org

Key Diversity, Equity and Inclusion Strategies in Higher Education

Diversity, Equity, and Inclusion, or DEI, is a vital topic that anyone working in the recruitment, development, and advancement of higher education workers should be aware of. There are many steps that anyone can take to improve diversity, equity, and inclusion in higher education.

Listen to Feedback

A study revealed that many college presidents are aware of the concerns about racial diversity on their campuses. The survey also found that almost 90 percent of students have organized around racial issues. The study’s findings revealed that student-led efforts to improve racial diversity and inclusion on campuses would likely face similar future challenges. Listening to students from historically underrepresented groups can provide valuable insight into the issues that affect higher education.

Participate in Training Opportunities

Individuals and institutions should commit to becoming more knowledgeable on the various practices related to DEI. Several learning opportunities are available, such as conferences focused on racial diversity. Members can also participate in live and on-demand sessions and email and social media training.

Subscribe to Learning Resources

Several publications comprehensively cover diversity in higher education. These include the Journal on Diversity in Education and Diverse: Issues in Higher Education. The organization also publishes a twice-weekly newsletter that features news from leading sources on recruitment, diversity, and leadership.

Collaborate Between Departments

One of the most critical factors that a university or institution can consider when it comes to improving diversity, equity, and inclusion is collaboration. A well-defined plan and statement are not enough to ensure everyone is on the same page when creating a more inclusive and diverse environment. Besides creating a well-designed strategy, the collaboration also helps make the necessary changes in the institutional environment.

The complexity of campus structures and communities makes collaboration even more critical. Removing barriers that prevent collaboration can help create a transparent process allowing all stakeholders to participate in the various activities and conversations related to diversity, equity, and inclusion.

One of the most effective ways to collaborate with other institutions is through regional groups. These groups are designed to help foster collaboration among members. As a member of the organization, you will have access to various professional development opportunities and peer-to-peer discussions. In addition to these, you will also be able to create unique initiatives that will help improve your institution’s diversity and inclusion practices.

Be Vocal

Everyone is responsible for addressing higher education diversity, equity, and inclusion issues. If you are aware of an institution’s practices that do not align with the goals of creating an inclusive and welcoming environment, you should consider taking action. You can also contact the HR officer, campus ombudsperson, or Title IX director of your institution to help you make a difference.

Originally published at MarilynGardnerMilton.org

Popular Education Podcasts For Teachers

Podcasts are all the rage nowadays, and whether you’re looking to be entertained or you’re looking to learn something new, there’s bound to be a podcast about it. Education in particular has a lot of podcasts out there that discuss the latest trends and problems for educators as well as share advice, inspirational stories, and so much more. If you’re an educator interested in listening to a few education podcasts, look no further. 

Teachers In America

This weekly podcast from Houghton Mifflin Harcourt talks with educators from across the country about various topics such as helping your students pick the perfect book, dealing with that one student who doesn’t want to participate and so much more. The podcast is from educators, about educators, and for educators, and it’s perfect for anyone who might be in need of assistance in their own teaching career.

This Teacher Life With Monica Genta

If you’re looking to be entertained while you get your teaching advice, look no further than Monica Genta’s show. In each episode, she shares some of the incredibly funny stories that she’s experienced and that her teacher friends have shared with her, with some of them being so ridiculous you’d likely struggle to believe they were true. While she shares these stories, she also tries to include practical strategies that you can use in your own classroom. This is a show full of relatable and positive stories that any teacher can appreciate.

The Spark Creativity Teacher Podcast

The goal of this podcast is to provide middle and high school teachers with practical ideas for improving their English teaching. In each episode, Betsy Potash talks about how she set up a library in her secondary school, as well as how she encourages reluctant students to read. She also shares her ideas for novel units and how she uses tech in her lessons.

Let’s K-12 Better

In this podcast, host Amber and her daughters talk about education from a student’s perspective. They talk about various topics that are commonly discussed in the field today, such as social-emotional learning and gaming. This is a unique perspective of both the teacher and the student, and it’s worth a listen.

Self-Care For Educators

Dr. Tina Boogren is the host of this podcast and each episode talks about her experiences with burnout and how other educators can do better about taking care of themselves. She encourages them to take a break from their work to allow themselves to rest and enjoy their lives outside of teaching. We all know being a teacher is tough, and self-care is important if you don’t want to burn out.

This article was originally published on MarilynGardnerMilton.org

How Teachers Can Prepare For A New School Year

Another year of school is here. Whether you’re a first-time teacher or an experienced one with years under your belt, every year comes with new problems. It’s practically impossible to be fully prepared for what will happen over the course of the school year, but that doesn’t mean teachers need to go in blind. There are plenty of things you can do in order to be better prepared and give your students and yourself the best year ever. Here are a few tips to help teachers ace the new school year.

Get Organized

If you want to have a great year, the first thing you’ll want to do is make sure your classroom is organized. This makes the learning process run smoother and saves everyone a lot of time. Make sure that students have name tags, have a folder where you can leave appropriate materials for substitute teachers, and set up your grade book early. All of these things and more can help make your year far less hectic, especially those early days of the year.

Create A Healthy Class Environment

If you want your students to have a positive learning experience that allows them to thrive, you need to create a great class environment. A lot can go into this, such as seating arrangements and furniture placement. The way you lay out the class will vary based on the age of your students, but a few great options are to post a schedule for your students that mentions important days in the school year, when they go to lunch, and other important announcements. Make sure your desk is in a place that allows you to have eyes on the entire room. You might want to consider learning centers, or a classroom library as well. Anything that promotes healthy and safe learning habits is a great call.

Determine Classroom Rules and Routines

Before the year starts you’ll want to make sure you’ve created a clear and concise set of classroom rules and regulations. Think about what did or didn’t work the previous year so you can have a better ruleset for the new year. Once you’re actually in the classroom, explain the rules to your students. Make sure they understand what the consequences of their actions will be, whether they misbehave, forget to turn in their homework, or anything in between.

This article was originally published on MarilynGardnerMilton.org

Should You Attend A Community College or a University?

The choice between attending a community college or a university depends on many factors, such as your plan for higher education and the requirements for admission.

Despite the advantages of community colleges, many students still prefer to attend 4-year universities. They offer a variety of facilities and a more rounded student life. Community colleges usually have 2-year programs that allow students to transfer their associate’s degree to a full university.

Both types of higher education institutions are valid, how do you pick the right one for you? Here are some of the differences between community colleges and universities to help you decide.

Degree Programs

While a community college’s degree programs typically take two years to complete, most four-year universities require students to take general education courses for their first two years.

Some students may choose to take the two years of general education at a community college instead of going to a traditional university. Doing so saves them from having to take many of the same courses in the first year. This can also allow you to save money, as community college courses can often be less expensive.

Student Life

Although community colleges are usually cheaper than universities, they do not have the same level of resources as their four-year counterparts. This means that many students do not have the opportunity to participate in the typical college experience of living on campus or participating in campus life.

If you’re choosing to do 2 years at a community college in order to complete your general education requirements, you may struggle to adapt to university life due to not having entered the university at the same time as your peers. 

Class Size

Most community colleges have small class sizes, which allows for more interaction in the classroom. However, many of their faculty members are employed part-time, which makes it hard for students to have access to their professors. With bigger universities, it can often be the opposite. Your professor may be full-time, but you’re often in bigger classrooms that can range between 40 to 100 students at times. This can lead to a less personalized experience and even the possibility that your professor won’t even know who you are off the top of their head.

Flexibility

Compared to traditional universities, community colleges have a much more diverse student body. They typically have a student body that ranges from 17 to 60 years old, and the average age is around 30. Due to the varying types of students, community colleges are often much more flexible when it comes to your situation. Community colleges often offer more night classes or are more understanding if you have a job or a child at home that affects your attendance.

This article was originally published on MarilynGardnerMilton.com

How does Education Affect Poverty?

A poor family is a family that has little or no access to basic resources. When one is born into a family that is deprived of basic amenities that include, education, they enter into the cycle of poverty that can affect several other forthcoming generations. This lack of resources and opportunities to improve their livelihoods leaves them in a trap known as poverty. The World Vision California has defined the poverty cycle as an occurrence where at least three generations of a family are poverty-stricken. This explains why there are so many NGOs and charity organizations that advocate for education rights to break the cycle of poverty.

Education is important as it helps to equalize people by impacting them with necessary skills for survival and opens doors to opportunities for thriving that, otherwise, would have been unavailable. High-quality education is recognized internationally as one of the solutions to reducing poverty and improving individuals’ welfare.

Effect of Education on Poverty

 Increased Future Employment Opportunities

A quality education system equips children with more skills and knowledge, thus giving them the ability to read and write fluently. This makes them eligible for employment which is a good chance for the children’s family to get lifted out of poverty.

Education Can Reduce Inequality

Most individuals, that live in poverty are not given equal opportunities as the rest in the society. This means that they lack power and they are not equally represented. However, with quality education increasing access to employment opportunities, wages disparity is reduced and also injustices due to unequal representation hence reducing poverty.

Skills and Abilities Development

Education equips one with soft skills that are necessary when one relates with others and the world around them. Education strengthens and equips one with communication skills, time management skills, creativity, leadership skills among others. When one puts these skills into use, they can generate income hence reducing poverty.

Conclusion

To sum it up, education has been named the fourth Sustainable Development Goal by the United Nations as it contributes highly to poverty eradication. Importantly, children should be exposed to equitable and quality education to attain the best skills and knowledge that they can use to generate income and access employment to improve their well-being and that of their families.

This article was originally published on MarlynGardnerMilton.org

Tips for Overcoming Anxiety as a College Student

College can be a stressful season of life, whether you’re living on campus far from home or commuting from living with your family. More demanding academics, changing social circles, and preparing for a future career can contribute to a student’s stress levels. In addition to dealing with everyday stress levels, some students experience more debilitating anxiety. Whether it’s test anxiety surrounding academics, social anxiety preventing the formation of good relationships, or even just general anxiety about everyday troubles can drastically affect a student’s ability to thrive in college. However, there are great resources to support students struggling with anxiety! Keep reading below for tips on overcoming anxiety in college.

Avoid Isolation

It can be tempting to hole up in your room and avoid stressful situations when feeling anxious. However, isolating yourself is rarely helpful. Loneliness can exacerbate anxiety, so prioritize social time in your schedule. If you’re struggling to make friends, consider joining a club or organization on campus that aligns with your interests!

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Types of Education Degrees

Education is a lifelong process. It should never stop, and it should always be an enjoyable experience. Education isn’t just for children either; adults can also study from continuing education courses to degrees in higher learning institutions. When people choose what type of degree they’d like to pursue, there are several factors that can help them make their decision. In this article, we will go over some types of education degrees available today.

English Language Learning Degrees

English language learning degrees are for adults who wish to learn English or improve their knowledge of the language. An education degree in this field might involve courses on phonetics, grammar, and vocabulary. A student might also be involved with studying children’s literature at both the high school level and college-level classes.

Early Childhood Education Degrees

This is another education degree one might pursue if they wish to work with children. This degree is suited for those who want to teach young students how to read, write and understand math skills and other concepts. A degree in early childhood education would involve courses on working with children from birth through age eight.

Educational Leadership Degrees

This is a degree for those who wish to work as principals of schools, or perhaps even move into administration at their current school. While more research and studying may be involved with educational leadership degrees, they also require extensive experience working in the classroom during one’s education process.

Associate Degrees in Education

An associate degree in education is an option for those who want to work with children at the elementary or secondary level. A two-year program might be involved, which would allow students to become teachers after graduation. This type of education degree does not usually offer student teaching opportunities, though, so some experience working in a school setting may also be required before graduation.

Doctoral Education Degrees

This is the highest education degree one can obtain. Doctoral degrees generally take two to three years after a bachelor’s and involve extensive research in the student’s chosen field of study. To qualify for this type of degree, one must first have a master’s degree in their field of study. There are two types of doctoral degrees: Ph.D. and Ed.D., which stands for Doctor of Philosophy and Doctor of Education.

This article was originally published on MarilynGardnerMilton.org