Offering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the process—from the banks that issue the loans to the colleges and universities that collect the payments. Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed? The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explains what is contributing to the rising rate of borrowers defaulting on their loans; and predicts whether the so-called student loan bubble is in danger of popping. The Data and Documents chapter analyzes data gathered from discussions about student debt. This information enables readers to better understand who is borrowing student loans, what the money from the student loans is going toward, what individuals have the authority to decide who qualifies for these loans, and what is being done to curb wasteful student spending.
Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.
WILLIAM ELLIOTT was born on September 23, 1951, in Fort Bragg, North Carolina. During his childhood, he was interested in baseball. He was also interested in science. He won first prize in a science fair for building a Geiger counter. He had a paper route as his first job. He was in junior high school when desegregation took place. He remembers playing baseball in his neighborhood with both African American and Caucasian children. In 1966, William and his family moved to Hot Springs, South Dakota. His family consisted of his mom, dad, three sisters, and one brother. He completed his high school education in Hot Springs. During high school, he was athletic and was involved in track and field. He graduated from high school in 1969. After high school, William took two years of college at Northern State College. Then in 1972 he joined the air force. He was primarily stationed at Altus Air Force Base in Altus, Oklahoma, and Lackland Air Force Base in San Antonio, Texas. He was honorably discharged from the air force in 1975. William completed his BS degree in environmental science in 1977. During college, he met Nancy Rempfer, whom he married in June of 1976. He later completed a master’s in business administration from the University of South Dakota in December of 1984. His work experience includes being a health inspector for the state of South Dakota; a business manager for the Cheyenne River Community College in Eagle Butte South Dakota; a business and computer instructor at Little Hoop Community College in Ft. Totten, North Dakota; taught small business management at National American University in Rapid City, South Dakota; then took a position at Oglala Lakota College teaching computer science and business, on the Pine Ridge Indian Reservation in South Dakota. William lost his wife of nearly 41 years in 2017. He is retired and continues to reside in Hot Springs, SD. William became interested in poetry while experiencing health issues and found it to be therapeutic. After retirement, he took his poetry to the next level. He recently took two first place and one second place awards at the Veterans Creative Arts Festival in the Black Hills Region. His insight of his surroundings is both humorous and inspiring. • A War of Love • Facebook • Twitter • Google Plus • LinkedIn
A War Of Love - 2nd Edition, builds on the work of “A War Of Love – Poems by William T. Elliott”. It has 302 pages compared to the first edition's 128 pages. The book is a book of poems expressing the reflections on love and life of a Vietnam Era Veteran after the Vietnam War. The poems are easy to read and fall into three categories, pretty poems, humorous poems and spiritual poems. Below is a review of the first 6 sections of the book by the National Review of Books. I hope this will give you some idea of what the book is like. reviewed by Mihir Shah "Some say you need a gun to fight but no you really don’t Instead you need your God above with Him there is your might." In A War of Love, William T. Elliott seeks a therapeutic reprieve from nagging panic attacks, but instead ends up capturing the essence of the human spirit through a series of timeless, evergreen poems revolving around prayer, philosophy, nature, and animals. With no clear structure or rhythm, A War of Love won’t be mistaken for an Edgar Allen Poe or Sylvia Path piece; however, the stream of conscious style that Elliott exudes in his work has a genuine, heartfelt aura that will likely resonate with individuals of all ages. Although the poems are split into six sections, including the compilation’s namesake, Elliott’s observations on animals remain consistent throughout. Four consecutive poems, “THE BEAGLE,” “A CAT,” “THE CHICKADEE,” and “THE DEER,” grace the opening of the collection and establish a romanticization of everyday animals. What makes these poems sparkle is the elimination of age appeal. In “A CAT,” young or old can reminisce fondly on the memorable temperament of a cat that, “gives me not a nod at all,” unless it is feeding time. In “THE HAWK AND THE BLACKBIRD,” like in the poems above, there is unique energy in the author’s writing style and pace that matches the animals’ love of life that Elliott successfully portrays. Perhaps the most intriguing poem, appearing in “Additional Poems,” is “THE BUTTERFLY.” In a matter of five quatrains, the poet injects the reader with childhood nostalgia. The poem itself is emblematic of coming of age: Children are in their own cocoon, and when they become adults, they too, like a butterfly, fly away. Elliott adds a distinctly personal touch to his words by including personal photographs, none more riveting than the picturesque landscapes of Angostura Reservoir and Coldbrook Dam in South Dakota. This ode to nature is in full form in “THE MISSOURI” and “THE SNOWFLAKE,” both poems that use mother nature and imagery of all five senses to reinvigorate the human spirit and help readers remember what it really means to be alive, be it hearing “the waves that wash upon the sand,” or “the feel of flakes past chilly ears.” While Elliott appears to be focused more on evoking a particular emotion from the reader rather than spectacular structure, his poem, “THE SNOWFLAKE,” exhibits an abundance of strong structure, repetition, and simile that allows the readers to conjure the image of snowflakes falling like “cotton tuffs” in the day and “dandruff’s spite” in the night. As the poetry progresses, so does Elliott’s depth of observation. While the poems on animals and nature dwell on what is apparent to the eye, his thought-provoking philosophy poems touch on many of the world’s “elephant in the room” topics that most try to avoid. Poems like “Loneliness,” “Frustration,” and “Hope,” discuss the struggle man faces throughout life’s journey, while “Pipe Dreams” seeks to keep readers grounded and avoid the sometimes inevitable delusions of grandeur that find ways into one’s thoughts. “DEATH OF A THOUGHT,” however, stands on its own and represents the metaphysical element of time, inciting a debate of whether one should wait for the right moment to act or simply seize the moment. Directly or indirectly, A War of Love seeks to infuse the reader with life and love that is ultimately actualized with prayer. Poems like “PRAYER,” and “PEACE” are indicative of the hope that prayer brings, but “WAR OF THE SPIRIT” is not only representative of prayer, but, from a subjective point of view, is central to the compilation and renders spirit and love as synonymous. There are numerous other poems that don’t necessarily fit in a category mentioned above, though that is hardly a knock on their ability to captivate. Both “THE DELICATE KISS” and “HOW TO GET ALONG WITH A WOMAN” share the spirit of intimate love with legendary poems like “When You are Old” by literary behemoth, William Butler Yeats. A War of Love will fall short for those who are looking for precision with meter, pinpoint use of literary devices, and poetic perfection. For poetry aficionados who are looking for an authentic voice and heartfelt poetry that drives home the meaning of being alive, A War of Love is a pleasurable endeavor. RECOMMENDED by the US Review
An in-depth look at the greatest hoax in radio history and the panic that followed, which Publishers Weekly calls "a rollicking portrait of a director on the cusp of greatness." On a warm Halloween Eve, October 30, 1938, during a broadcast of H G. Wells’ War of the Worlds, a twenty-three-year-old Orson Welles held his hands up for radio silence in the CBS studio in New York City while millions of people ran out into the night screaming, grabbed shotguns, drove off in cars, and hid in basements, attics, or anywhere they could find to get away from Martians intent on exterminating the human race. As Welles held up his hands to his fellow actors, musicians, and sound technicians, he turned six seconds of radio silence—dead air—into absolute horror, changing the way the world would view media forever, and making himself one of the most famous men in America. In Dead Air: The Night that Orson Welles Terrified America, Willliam Elliot Hazelgrove illustrates for the first time how Orson Welles’ broadcast caused massive panic in the United States, convincing listeners across the nation that the end of the World had arrived and even leading military and government officials to become involved. Using newspaper accounts of the broadcast, Hazelgrove shows the true, staggering effect that Welles’ opera of panic had on the nation. Beginning with Welles’ incredible rise from a young man who lost his parents early to a child prodigy of the stage, Dead Air introduces a Welles who threw his Hail Mary with War of the Worlds, knowing full well that obscurity and fame are two sides of the same coin. Hazelgrove demonstrates that Welles’ knew he had one shot to grab the limelight before it forever passed him by—and he made it count.
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