How does the prospect of student debt shape your goals for the future?

Answers

Answer 1

Answer:

Students who graduate with debt may postpone major milestones such as purchasing a vehicle, purchasing a home, getting married, or choosing low-paying occupations such as teaching or social work.

Explanation:

Ways in which student loan debt can impact your life

Students who graduate with debt will suffer the consequences of their debt for years. Student loans can compel people to make difficult decisions and postpone major life events, in addition to the stress and worry that high amounts of debt can create.

Here are some ways in which student loan debt can have an impact on your life:May rush into a job to meet repayment requirementsLowering your net worthDelay borrower’s ability to buy a homeDelay a borrower’s ability to start a familyMay impact your marriagePotential for poor credit if payments missedMay cause people to skip out on attending collegeMay delay life goalsMay rush into a job to meet repayment requirements:

You must pay your loan bill on a regular basis if you have student debt. Depending on how much you borrowed, the bill might be considerable. Rather of waiting for their dream career, many students may be tempted to choose a higher-paying job, or simply any job they can find.

According to a study conducted by the American Student Association, over half of graduates believe their debts have hampered their ability to develop in their careers.

Someone without student debt may be able to be more selective and dedicate more effort to choosing a job they enjoy. They'd also be free to take calculated risks in order to increase their compensation.

Lowering your net worth

Few students finish from college with a large net worth, but those who avoid taking out student loans will have a net worth of around $0. If you graduate with student loans, your net worth is likely to be negative.

This isn't going to have an instant negative influence on you, but it might have a number of small consequences that you'll notice over time.

If you have a low net worth, you may find it difficult to make major purchases since you lack the necessary finances.

It can also make getting a loan more difficult.

While a college degree increases total career earnings by a large amount (about $1 million more than someone without a college education), it might take a long time for graduates to come out ahead of those who do not take on debt.

Delays borrower’s ability to buy a home

Borrowing money with a mortgage is one of the most prevalent ways to purchase a property. If you owe money on student loans, you already have one significant burden to pay off. It might be difficult to manage a house payment and a student loan payment at the same time. Debt might make it difficult to qualify for a mortgage in the first place. The influence of student loans on homeownership rates is seen in a research by the Federal Reserve. Homeownership rates drop by 1.5 percent for every ten percent rise in student loan debt.  Delaying the purchase of a home, which is one of the main generators of wealth in the United States, can have a significant impact on a student borrower's capacity to expand their wealth.

Delays a borrower’s ability to start a family

It goes without saying that having children is costly. The average cost of raising a child from birth to 18 years old is $233,610. This equates to over $13,000 per child every year.

If you already have a tight budget due to student loan payments, adding another $1,000+ per month responsibility is likely to ruin it totally. Children can add problems and stress to a life that is already stressful due to debt.

This may cause many people to put off establishing a family until they have paid off their debts.

Can impact your marriage

Changing your salary for income-driven repayment programs, for example, can have an impact on your student loans. Your debt, on the other hand, may have a detrimental impact on your marriage.

Financial stress is one of the major reasons of divorce in the United States, according to a SunTrust Bank survey.

This might be one of the reasons why so many millennials are delaying or avoiding marriage altogether.

Poor credit if you struggle with repayment

Your credit score has a significant influence on your financial situation. It might help you develop good credit if you pay your student loan installments on time. Missing payments, on the other hand, may severely harm your credit.

The average credit score for someone with student loans is lower than the national average since many student borrowers have difficulty completing payments. The typical student loan borrower has a credit score of 656, compared to 711 for the whole United States.

This is a significant difference, and a student borrower's credit might take years to rehabilitate following missing or late payments.


Related Questions

How do earthquakes impact buildings? Why is there a need to develop technologies for buildings to be earthquake-proof? Write it in a paragraph. note: nonesense will be reported​

Answers

Answer:

When an earthquake occurs, it sends shockwaves throughout the ground in short rapid intervals in all different directions. While buildings are generally equipped to handle vertical forces from their weight and gravity, they cannot handle side-to-side forces emitted by quakes.

This horizontal load vibrates walls, floors, columns, beams and the connectors that hold them together. The difference in movement between the bottom and top of buildings exerts extreme stress, causing the supporting frame to rupture and the entire structure to collapse.

To design an earthquake-proof building, engineers need to reinforce the structure and counteract an earthquake’s forces. Since earthquakes release energy that pushes on a building from one direction, the strategy is to have the building push the opposite way. Here are some of the methods used to help buildings withstand earthquakes.

He had a fabulous career in high school , what is the simple subject ?

Answers

Answer:

He

Explanation:

The subject is He because he is being described in the sentence or is talked about.


I hope it helps! Have a great day!

Muffin ^^

Answer:

He

Explanation:

The subject would be he. He is getting described and they are talking about him so that would make him the subject.

I hope it helps! Have a great day!

Le fawking Moron~

What are some alternatives to the phrase 'double down'?

Answers

   Dogged.

   Stubborn.

   Determined.

   Bull-headed.

   Hard-nosed.

   Unwavering.

   Uncompromising.

   Unyielding.

The alternatives to the phrase 'double down' are Unwavering, Uncompromising.

What do you mean by Double down?

Assuming there's one articulation that appears to have assumed control over the media scene of late, it's doubling down.

Deriving from the round of blackjack, doubling down has taken on a non-literal importance over the recent many years to participate in hazardous way of behaving, particularly when one is in a risky circumstance.

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Which phrase uses connotation to support King’s purpose of inspiring hope by showing the beauty of an equal society? ""with this faith"" ""a stone of hope"" ""symphony of brotherhood"" ""to struggle together"".

Answers

The phase the king uses to inspire hope by showing the beauty of an equal society is C.) A symphony of brotherhood.

What is phrase?

A phrase is a gathering of words that express an idea and is utilized as a unit inside a sentence. Eight normal kinds of expressions are: thing, action word, "ing" word, infinitive, appositive, participial, prepositional, and outright.

Investigate our determination of expression models beneath. blissful family setting up camp by a stream.

A phrase is a typical word or expression with an allegorical, non-strict implying that is seen socially and contrasts based on what its composite words' meanings would propose; for example the words together have an implying that is not the same as the word reference meanings.

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Answer:

C                     “symphony of brotherhood”

Explanation:

Edge 2022

i want your opinion


Subconscious Means of or concerning the part of the mind of which one is not fully aware but which influences one's actions and feelings Like a dream.


What is something that you do or did in your subconscious, that you would not normally do in your conscious mind?

Answers

Answer:

Most people feel braver, or sometimes they have no logic to their actions.

Explanation:

For example, sometimes if im ever half awake, or between slepping and awake, my mind starts to just have weird thoughts, like stuff I wouldnt do, like fight someone, or just randomly ask someone out.

write a story with these words plisss

Answers

Answer:

This Sunday, my family, which consist of my parents, my brothers, and me, arrive at the Church. We all climb out of our minivan, all with a Bible in our hands. We sit down on the chairs, the wooden pews. Today we open our Bible to learn about how Jesus suffered for humanity. The shepard, our pastor, walks up to stand and greets us. After around 2 hours, we were set off. It was such a good lesson, today. I can't wait until we go next Sunday.

I hope this helps!

-No one

what important role animal plays in our life​

Answers

Answer:

Impact on Physical Health. Companion animals may improve heart health by lowering blood pressure and regulating the heart rate during stressful situations.

Children’s Emotional Development. When a child has no brothers or sisters, research shows that pets help children develop greater empathy, higher self-esteem, and increased participation in social and physical activities. ...

The Challenges of Measuring the Positive Impact of Pets. The effect of human-animal interaction on health is not fully understood because it is difficult to study.

Temporary Companions. Researchers have also used animals to temporarily provide companionship to children with health or mental health problems, or elderly people who may not have the energy or resources ...

The Bottom Line. The research findings are encouraging, so it makes sense to conduct more studies on how human-animal interaction influences our health.

Explanation:

Select the correct text in the passage. during his boyhood, the main character in john updike's "the brown chest" believes that the present is more powerful than the past. which part of the excerpt supports this statement? the entire front of the house had this neglected quality, with its guest bedroom where guests hardly ever stayed; it held a gray-painted bed with silver moons on the headboard and corner posts shaped at the top like mushrooms, and a little desk by the window where his mother sometimes, but not often, wrote letters and confided sentences to her diary in her tiny backslanting hand. if she had never done this, the room would have become haunted, even though it looked out on the busy street with its telephone wires and daytime swish of cars but the occasional scratch of her pen exerted just enough pressure to keep away the frightening shadows, the sad spirits from long ago, locked into events that couldn't change.

Answers

Author John Updike's short story, “The Brown Chest” uses symbolism and imagery, and sensory writing to focus on the idea that family memories never fade away and material things can maintain a deeper meaning no matter what they endure.

How much time passes in the story about the brown chest?

He starts at the beginning of the story by saying that there were a lot of grown-up legs so that means he was small.

He says that he was 13 when he moved. Then the story says 20 years later and then 2 years later.

For more information about The Brown Chest, refer to the link:-

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Answer:

the correct part is:

"the occasional scratch of her pen exerted just enough pressure to keep away the frightening shadows, the sad spirits from long ago, locked into events that couldn't change."

Explanation:

plato, i got a 100% on the quiz

1. Whot two things in this passage are being juxtaposed

in order to detine character

perspective?

O A, rats and elephants

OB, poison and arsenic

O C, the druggist and the arsenic

OD, Emily staring and the druggist looking away

Answers

The two things being juxtaposed here are: D. Emily staring and the druggist looking away.

What is juxtaposition?

Juxtaposition is known as a way of placing two things side by side in order compare or contrast them. It can also be used to know the similarities and differences between two things.

We can see here that the two things juxtaposed here is Emily staring and the druggist looking away. This is also defining the character perspective.

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which is worse: mind control or physical control? in what sense are they one in the same? which is worse for winston: physical or psychological torture

Answers

mind control is far more worse than physical

(1) Have you ever heard of a Stradivarius violin? (2) It is a type of instrument that was built by members of the Stradivari family in Italy during the 1600s and 1700s. (3) They used a variety of wood and secret methods to create different instruments, and about 650 of their violins still exist today. (4) Some musicians, who play Stradivarius violins, refuse to use any other. Which sentence contains an error in the use of a restrictive clause? How could you correct this error?.

Answers

A restrictive clause is grammatically added information that gives meaning to a sentence. Sentence (4) some musicians have an error in a restrictive clause.

What is a restrictive clause?

A restrictive clause contains a group of words that gives additional information on the noun of the sentences and are not separated by commas.

They are needed in a sentence to maintain the meaning and are an essential part. The sentence can be corrected by removing the two commas after the word musicians and violins.

Therefore, sentence (4) contains an error.

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Answer:

sentence 4

by removing both commas

Explanation:

Choose the correct connective. There may be two or more variants.

1. We're studying now ... there's an interesting film on TV.

2. I'd like to talk to you... I know you're busy.

3. ... her efforts, she failed the exam.

4. ... we were having difficulties, we felt optimistic.

5. We didn't win the game... all our hard work.

6. ... it rained a lot, we enjoyed our holiday.

7. ... the traffic, they arrived in time.

8. ... I was really tired, I couldn't sleep.

Answers

The answer is 5 we didn’t win the game …all out hard work and 2

Which word would work best to fill in the blank in this sentence?
The results of one scientific report ___________ that helmets can prevent all types of brain damage.

suggest

publish

source

entitled

Answers

The results of one scientific report suggest that helmets can prevent all types of brain damage. The first choice is the correct answer in this case.

What is the plural form of a verb?

The plural form of a verb is a form of the verb used to describe more than one subject or object. In English, the plural form of most verbs is created by adding -s or -es to the base form of the verb, depending on the subject. For example, in the present tense, "I walk" is singular, while "they walk" is plural, with the addition of -s to the base form of the verb "walk". Some irregular verbs have different forms in the plural, such as "I am" becoming "they are".

Here, the verb "suggest" is used to describe that the results of a report prevent brain damage. Since the subject of the sentence is "The results", the verb is in the plural form.

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Please, I need your help!!

Answers

Answer:

1). Lead

Explanation:

Whats the authors purpose in 12 angry men? please help

Answers

he is angry beacuse he is broken

Explanation:

and he is tired for give averthing he want

If thought is life
And strength and breath,
And the want
Of thought is death,
Which is the best paraphrase of this stanza?

Answers

I believe the answer is D

2. It is important that each patient _______ comfortable.







was


be


is

Answers

It is is because in the context of the sentence it is in the present
The answer is “is”.

Since the sentence begins with “it is important”, “is” is a present tense word. This means that any past tense words are wrong, so we can cross of “was”. Now with the next answer down, “be”, it just sounds wrong. “It is important that each patient be comfortable.” doesn’t flow well, so we can cross that off too. If it was rephrased as “It is important for each patient to be comfortable”, then it might work but it isn’t. The best answer would be “is”, because it is present tense and sounds right.

In "A Wagner Matinee" why does Clark worry that Georgiana may feel uncomfortable
in the concert hall?

Answers

Clark worries Georgiana may feel uncomfortable in the concert hall due to the way she is dressed and her appearance.

Who are Clark and Georgiana?

Clark and Georgiana are characters in the short story "A Wagner Matinee." Georgiana is Clark's aunt, a woman who left everything behind to marry to man she loved and go live an extremely difficult life at the Nebraska frontier.

When she comes to visit Clark in Boston, Georgiana is taken by him to the concert hall, for a matinee of Wagnerian music. Clark, however, worries that his aunt may feel uncomfortable due to her appearance. Her dress and even herself look dissonant for everyone else in the hall.

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Choose the correct answer:
The gift was designed to _______ the empire’s actions.
A) reveal
B) consume
C) glorify
D) rank

Answers

The gift was designed to glorify the empire’s actions.

read this sentence from "President Obama's Third Annual Back to School Speech.”

Down the road, those will be the traits that will help you succeed, as well -- the traits that will lead you to invent a device that makes an iPad look like a stone tablet.

How does this sentence contribute to the development of ideas in the passage?


A It argues that young people should work hard to get better at science and engineering.

B It shows that it is necessary for young people to work hard to invent new things.

C It implies that young people will need more advanced technology in the future.

D It suggests that young people will grow up to develop amazing new technologies.

Answers

i think the answer is d

Answer:

D

Explanation:

Just took the test

Which is more important to you? How you look or How you feel and why? (2)

Answers

Answer:

How u look

Explanation:

I fell like how u look can also affect how u feel and see yourself

Answer:

How I feel is more important than how I feel because If you look nice and pretty you could feel like you’re not because you won’t always look perfect. Feelings can be involved in anything, it can be involved in relationships, appearance, work life, everything. Yes, you can look the part in anything but that doesn’t ignore the fact of how you feel in your environment.

read the implied thesis statement:

listening to music while studying can increase focus and productivity.

which of the following could be a topic sentence for a paragraph in this essay?


in my opinion, listening to anything while i'm working is a distraction.

listening to music releases dopamine in your brain.

when you listen to soft instrumental music, distracting sounds are minimized, allowing for greater focus.

turning off your email and other electronic notifications can help increase productivity while you are studying.

Answers

Answer:

when you listen to soft instrumental music, distracting sounds are minimized, allowing for greater focus.

Explanation:

This is descriptive and specific

Make a title about this short paragraph and write a statement that is your own opinion about the paragraph

Answers

Answer:

Colonialism

Explanation:

Because the topic is about Colonialism

+++PLEASE HELP FAST++++Which revised research question best responds to the information found in the source? Original research question: How does the fashion industry affect the environment? Findings in source: There is a downside to that crisp new cotton shirt: the almost 800 gallons of water it took to make it, not to mention the toxic waste the process released into the environment. A. What are the most common causes of water shortages in the world? B. How are clothing companies responding to the decline in sales of jeans? C. What are the most popular styles of clothing for this fall? D. Should the fashion industry limit its use of cotton production?​

Answers

The revised research question that responds to the information found in the source is D. Should the fashion industry limit its use of cotton production?

What is a research question?

It should be noted that a research question simply means a question that a researcher seeks answer to.

In this case, the revised research question best responds to the information found in the source is that should the fashion industry limit its use of cotton production?

This is important to explain how the environment is affected by the production.

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8. When did Patrick become religious?

Answers

Answer:

Because patrick came to his senses and someone persuaded him as well

Explanation:

Hope that helps

Kathy wrote me a letter about the sick dog and she also said her mother wants to come for a visit and stay with her but she doesn’t have the room so she is getting a hotel

Answers

Answer:

Kathy wrote me a letter about the sick dog, and she also said her mother wants to come for a visit and stay with her, but she doesn't have the room. So, she is getting a hotel. (Not sure if right.)

Which idea is developed in the passage?
A.
People living close to nature lead a simple life.
B.
The beauty of nature strengthens the bond between the speaker and the woman.
C.
People in villages are innocent and naïve.
D.
The beauty around the village causes the speaker to think about his childhood.

Answers

Answer:

D. The beauty around the village causes the speaker to think about his childhood.

Explanation:

Poetry is a type of writing that focuses on figurative language, the aesthetic qualities of the words and lines, and the overall meaning of the words in many cases. The characteristics of poetry can vary significantly according to the specific genre or type of poetry being read, though most poetry shares some common characteristics. Figurative language is any word or phrase that has a meaning besides the dictionary definition, and this type of language is exceptionally common in most forms of poetry. Other characteristics include rhyme, meter, enjambment, and other poetic devices intended to draw attention to the nature of language.

Brainliest if correct

Answers

Answer:

read careful and sign even though you are not sure what some of the terms mean

Select the correct answer.
Where is the punctuation error in this sentence?

After turning off the water,1 pulling the shades,2 and locking the doors3 they left on their vacation.4

A.
1
B.
2
C.
3
D.
4

Answers

Answer:

3

Explanation:

there's no comma on it just add one and it's 3

It’s three because there should be a comma there.

13
Select the correct answer.
What is one quality of a strong research question?
ОА.
The question can be answered with "yes" or "no."
OB
The question explores various sides of an issue.
O C.
The question provides specific details.
OD
The question is written in paragraph form.
O E. The question is not open to debate.
Reset
Next

Answers

Answer:

I think the answer is B.

Explanation:

A strong research question

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