Prepatory report and supplemental information
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Excerpt from Term Paper:
...... In the work of Draut (2008) entitled: Address the Pain, Reap the Gain states that todays young adults are very likely to be the first generation to not surpass the living standards of their parents. Evidence of their declining economic opportunity and security abound, from widespread debt to lower earnings in todays labor market for all but those with advanced degrees. (Draut, 2008) Draut calls college a luxury-priced necessity and states that with the fast rising cost of tuition and anemic federal financial aid what has been created is a debt-for-diploma system which leaves two out of three undergraduates leaving school with student loan debts average $19,200 (Draut, 2008) During the 1970s Draut explains that even prior to the time that college became essential for a middle-class lifestyle, our nation was more committed to helping students afford college.(Draut, 2008)
II. TERMS & DEFINITIONS
1. Student Loan Debt Consolidation: Consolidation of student loan debts is a process by which all the separate loans are placed into one single loan, which generally results in one having lower payments and many times a lower interest rate
2. Debt Consolidation Specialist: This individual, if qualified and reliable is likely to be found through
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