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Credit Card Debt Becoming Less Than Student Loan Debt
Students loans have become more of a problem when it comes to debt than credit card debt. While people are paying down their credit card balances within the aftermath of the financial crisis, college costs continue to rise. Some analysts say less consumer protection for student loans than other types of borrowing is a reason for the trend. Others say college costs have risen beyond the return on investment in student loan debt. A bachelor’s degree isn’t even needed for the fields growing the fastest right now. Source of article – Student loan debt exceeds credit card debt as college costs rise by Personal Money Store.
Colleges charge more and students borrow more
The 2010 Federal Reserve figures show that $ 826.5 billion in revolving credit is had by Americans right now. Americans have $ 829,785 billion in student loans according to a Wall Street Journal article showing a report from FinAid.org. Mark Kantrowitz, publisher of FinAid.org and FastWeb.com, told the Journal that he estimates $ 300 billion in federal student loan debt has been incurred in just the last four years. There is a higher rate of unemployment and college costs more meaning parents borrow to get anything done.
Consumer protection unavailable with student loans
Student loan debt is often times worse than credit card debt. Student loans nevertheless stay with a person, even through a bankruptcy. Missing payments with student loan repayment can mean some terrible penalties. According to Student Loan Justice, federal student loan borrowers have none of the consumer protections that come with credit card debt, including statutes of limitations, truth in lending laws, state usury laws and fair debt collection statutes. They say lending student loans is “an inherently predatory lending system that succeeds when the students fail.”
College costs drain family finances
Tuition prices and student loan rates are rising together. Bank Investment Consultant reports that average total college costs for 2009-2010 were $ 35,636 at private universities and $ 15,213 for in-state students at state colleges. Each year there has been a 5 percent increase. This academic year, there is a possibility of charges going over $ 50,000 for top institutions. Paying for school is difficult enough for families before having to pay with income and savings for schooling.
Bachelor’s degrees becoming pointless
Rising student loan debt leads some to wonder whether going in hock for years to get a degree is worth it. As outlined by the New York Times, despite six years of trying, only half of all students beginning a bachelor’s degree in 2006 will graduate by 2012. Only seven of the 30 jobs that are designed to grow fastest within the next ten years even need a bachelor’s degree, reports the Bureau of Labor Statistics. Only 2 of the top 10 growing job categories need degrees. According to the founder of the Center for College Affordability and Productivity, Richard K. Vedder, who talked to the Times in an interview, a 1999 federal study shows that 15 percent of mail carriers have bachelor’s degrees. He said:
“Some of them could have bought a house for what they spent on their education.”
Further reading
Wall Street Journal
blogs.wsj.com/economics/2010/08/09/student-loan-debt-surpasses-credit-cards/
Bank Investment Consultant
bankinvestmentconsultant.com/bic_issues/2010_8/college-cost-gone-wild-2668047-1.html?zkPrintable=1 and amp;nopagination=1
New York Times
nytimes.com/2010/05/16/weekinreview/16steinberg.html
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