Student Loan Debt The American Dream Perceived By Many

Student Loan Debt The American dream perceived by many is to obtain a college degree to have a successful life. However, many people cannot afford to go to college and are left no choice but to get a student loan. Student loans are intended to help students pay for a higher education, but is it worth the risk of being in debt? The dictatorial definition of debt in the Merriam Webster’s dictionary as a state of being under obligation to pay or repay someone or something in return for something received (â€Å"Merriam-Webster†). A borrower is disadvantaged from the beginning of his or her career due to being bombarded with payments. In many cases, people drop out of school or are struggling to find jobs while they owe thousands of dollars in†¦show more content†¦Loans with interest increase rapidly and can affect one s credit score. Credit scores determine if an individual is eligible to buy a home, take out a car loan and obtain credit cards. Paying student loans on time demonstr ate to future lenders that you can be trusted to handle money responsibly. For example, my first semester of college, I took out a student loan with Nelnet of 5,700 dollars. Unfortunately, unforeseen hardships came abroad that caused me to lose my job and drop out of school. Within a year and a half, my loan went from 5,500 to 7,700 dollars. If I had paid attention to my grace period and correctly read the loan’s terms of agreements, I probably could have paid what I could afford towards my student loan. Instead, I chose to ignore my student loan and allowed it to accumulate with interest digging myself in a realm of debt. Next, as a society concerning student loan debt, I propose the cost of tuition should be lower. The price of college tuition varies due to many fees such as commutes, courses, housing, schools, and supplies. Sometimes student loans are not even enough to cover all college cost. For instance, does the student commute or live on campus? Is he or she attending a community college or a university? According to the College Board, the average cost of tuition and fees for the 2016–2017 school year was $33,480 at private colleges, $9,650 for state residents at public colleges. (What’sShow MoreRelatedShould College Be A Professional Sports Athlete?1478 Words   |  6 PagesCollege can be perceived in two different ways: for most, the word inflicts fear into high school students around the nation; on the other hand, there are individuals that simply want to get away from home to party and live on their own. There is no sympathy for these students and it is just a waste of his o r her parent’s hard-earned money and trust. College is essential for a secure future and this has let colleges raise the tuition to astronomical heights. Inflation, causing the cost of livingRead MoreStudent Debt Is The Cost Of An Education3402 Words   |  14 PagesIn the U.S. students are encouraged to earn a college degree, but the cost of an education turns many away. â€Å"Driven by the allure of a decent salary with a college degree, Americans borrowed to go to school. Outstanding student debt doubled from 2005 to 2010, and by 2012 total student debt in the U.S. economy surpassed $1 trillion† (Mian, Sufi 167). There are plenty of opportunities to obtain funds for college, including one of the most common, student loans. A student loan is defined as â€Å"a commonRead MoreEssay on Upperclass Education1582 Words   |  7 Pageswretched refuse of your teeming shore. Send these, the homeless, tempest-tossed, to me: I lift my lamp beside the golden door.† ( Lazarus) This incredible, sentimental homage to the American dream brings many to ask, what a wonderful concept- but is this truly the case? Is America truly a land of opportunity and dreams realized, or is it more so a case of realizing we have been dreaming? In a country where image is made and sold like bread in a bakery, it is no wonder the idea of a land of opportunityRead MoreThe Product Of A Dollar1480 Words   |  6 PagesThe Product of a Dollar Each and every day a basic monetary unit profoundly influences the lives of every American. The dollar has more influence over our lives than religion. An individual’s unique direction in life is contingent upon the presence and abundance of the dollar. This dollar creates a divide between the wealthy and less fortunate. The dollar demands that we spend almost half of our entire existence moving like clockwork to obtain it. It influences where we live, what we use to fuelRead MoreEssay On My American Dream1492 Words   |  6 PagesWhen a person thinks of the American Dream, they may think of happiness, opportunity, freedom, and financial stability. Though, it can be perceived in any way a person wants it to whether they focus more on one topic or many. There are endless possibilities for someone who starts their life here, there many different paths a singular person can choose to go through and they tend to make or break them. Being born into this world, my environment provi ded me with things that wanted to break me moreRead MoreBaby Boomers And Baby Boomers1257 Words   |  6 Pagesboomers were born (1946-1964) and when the millennials were born (1981-1996). There are many factors that have influenced and molded each of these two generations such as technology, trends, debt and economy. Who exactly are millennials and baby boomers? What I know emphatically is that they both have strong opinions of one another. The Baby Boomers were promised the American Dream; they worked hard and are perceived as greedy and ambitious. Baby Boomers are â€Å"Perhaps the most influential generationRead MoreCurrent State of the Union; Analysis of a Political Cartoon Regarding Barak Obama881 Words   |  3 Pagesnegative, and debt describing language. As seen in Barrack Obama’s 2014 State of the Union Address, the president of our nation seemed to completely disregard the actual â€Å"state† of the union by simply stating that, â€Å"The state of th e union is sound†. This short, vague, and contradicting statement seemed to be blow up the anemic progressions our nation has made during Obamas presidency. It is safe to say that the description of a â€Å"sound† nation did not make a connection with many Americans. It left peopleRead MoreAmerica Needs High School Incentive Programs To Help Students Pay College Expenses2284 Words   |  10 Pagesindividuals, everyone imagines the dream job or the job that is going to make the most money. Most of these jobs need to make it so a higher education like college is needed to be able to even make it in the field. College is not by any means cheap, depending on what college is chosen, yes it can be less money but it is still thousands of dollars by the time the degree is earned. Many people that want to go to college cannot afford it, therefore cannot reach the dream job. In order to make college accessibleRead MoreEssay on Albert Cohens Theory1123 Words   |  5 Pagesstatu s frustration, not blocked opportunity (Siegel, 2013). Lower-class youth desire approval and status, but because they cannot meet middle-class criteria, they become frustrated (Criminology chapter 4 outline sagepub.com). They overreact to any perceived threat or slight. They are also willing to take risk, violate the law, and flout middle-class conventions. Cohen’s work explains the factors that promote and sustain a delinquent subculture. His concepts of status frustration and middle-class measuringRead MoreStudent Loan Debt Of The United States2295 Words   |  10 PagesStudent loan debt in the United States is expanding unrestricted each year. There are 36 million Americans today, holding over $740 billion dollars in student loan debt. (U.S. 2013) The current student loan system is intended to open doors to economic prosperity for those who could not otherwise afford to go to college. Research suggests that the unintended consequence of too much available student credi t is real people losing prosperity and languishing in debt for extended periods of their lives

Case Study Analysis Oakbrook Medical Systems - 1044 Words

Week Four Assignment: Case Study Analysis, Oak Brook Medical Systems, Inc. By Nancy Walker Instructor: Nancy Waldron BUS600: Management Communications with Technology tools Ashford University January 28, 2011 In this case study, a division manager faces several potential human resource issues and communication challenges. To provide background, â€Å"Oak Brook Medical Systems† developed their â€Å"Hospital Supply Division† in response to â€Å"changes in the healthcare marketplace† and staffed the unit with highly qualified committed personnel. The company values teamwork, shares an â€Å"entrepreneurial† spirit, and the group of committed â€Å"self-starters† provides customers with quality products and service. The division’s highly qualified†¦show more content†¦O’Rourke (2010) suggests that effective managers deliver purposeful messages in ways that fulfill an organization’s mission. Managers who avoid dealing with or ignore personnel concerns about discrimination can foment misunderstanding and create conditions ripe for otherwise unwarranted charges. A senior manager would be in the best position to communicate the d ivision’s strategic vision while addressing the strategy director’s shortcomings and the unit’s morale in a positive way. Newly assigned to the Hospital Supply Division, the senior manager also has a unique opportunity to become a mentor to strategy director by listening to her concerns about fairness and helping her to make adjustments to her communication approach that will improve her standing with colleagues, subordinates, as well as senior management. Most of the face-to-face communication between the senior manager and strategy director will involve nonverbal cues that will influence long-term morale for co-workers, too. Segal (2009) indicates that critical nonverbal cues often determine whether or not a communication partner is listening, understanding the message, or cares. Some of the â€Å"most important nonverbal cues† include tone of voice, gaze, body position, and concentration that become significant in conversations andShow MoreRelatedA Cultural Competency Toolkit : Ten Grant Sites Share Lessons Learned ( 2001 ) Essay1264 Words   |  6 PagesMental Health or website: www.omh.ny. gov/omhweb/cultural_competence An Analysis of the 2013 National Standards for Culturally and Linguistically Appropriate Services (CLAS) in Health and Health Care (2013). Retrieved November 5, 2015, from www.ctmhp.org/.../2014/02/CMHP-CLAS-Standards-Analysis Barksdale, C. L., Ottley, P. G., Stephen, R., Gebreselasie, T., Fua, I., Azur, M., Walrath- Greene, C. (2012). System-level change in cultural and linguistic competence (CLC): How Read More Improving Patient Safety in Stroke Rehabilitation Wards2914 Words   |  12 Pages Patient safety is a major issue in health care, especially in the public sector. Studies show that as many as 10 patients get harmed daily as they receive care in stroke rehabilitation wards in hospitals in the United States alone. Patient safety refers to mechanisms for preventing patients from getting harmed as they receive health care services in hospitals. The issue of patient safety is usually associated with factors such as medication errors, wrong-site surgery, health care-acquiredRead MoreCase Analysis : The House Of Lords1930 Words   |  8 PagesAiredale26 case decided by the House of Lords, was followed in a number of cases in UK and it was pointed out that in the cases of incompetent patients, if doctors act on the basis of informed medical opinion, and withdraw the artificial life-support systems if it is in the patient s best interests, then they said action cannot be characterized as an offence under criminal law. 24 Joseph Fletcher Infanticide and the ethics of loving concern, 22 (1978). 25 JM Appel,Neo-natal Euthanasia:Read MoreHim420 Quality and Risk Scenario Case Study Essay3071 Words   |  13 PagesA Quality or Risk Scenario Case Study Prepared by: February 17, 2013 Table of Contents I. Thesis and Introduction: Page 3 2. Patient care and safety scenario Pages 3-6 A.Blood Transfusions B.HIM role in helping reduce risk and cost 3. Scenario related to a physical plant Pages 6-9 A. Power failure risk in health care institutions B. How HIM can help prevent and prepare for a power failure 4. Scenario related to staffing Pages 9-11 A. Using operationalRead MoreCritically evaluate the influences on infection control and prevention practices relating to the care of invasive devices2900 Words   |  12 Pagesinfection prevention and control measures that are involved in managing and preventing these infections. The organisational issues underpinning infection prevention and control. Introduction Healthcare-associated infections from invasive medical devices are linked to high morbidity, mortality, and costs worldwide. Especially in central line–associated bloodstream infection (CLABSI) or catheter-related bloodstream infection (CRBSI) and catheter-associated urinary tract infection which haveRead MoreAdvancing Effective Communicationcommunication, Cultural Competence, and Patient- and Family-Centered Care Quality Safety Equity53293 Words   |  214 Pages For other requests regarding permission to reprint, please call (630) 792-5954. Suggested Citation The Joint Commission: Advancing Effective Communication, Cultural Competence, and Patient- and Family-Centered Care: A Roadmap for Hospitals. Oakbrook Terrace, IL: The Joint Commission, 2010. For more information about The Joint Commission, please visit http://www.jointcommission.org. ii Table of Contents Acknowledgements ................................................................

Pseudo-Transformational Leader free essay sample

The Relevance within Corporations by Kimberley K. Hyde A Paper Presented in Partial Fulfillment Of the Requirements of LEAD500 LEADERSHIP STYLES AND THEORIES May 19, 2013 \ Effective leadership is the greatest tool for the success of any organization; they articulate the vision of the organization and are the motivation for others to fulfill that vision. Leaders have an impact on those they lead; followers. In today’s corporate world companies and organizations need to be cognizant of staff they hire within leadership positions. During the interview process, it is particularly important to understand the interviewee’s leadership philosophies, ethics, morals and abilities before consideration for hire. Most leaders value the importance of ethical behavior and demonstrate their values and ethics in their leadership. There has been a tremendous focus within the media in the past decade about the ethics of leadership within corporations. Corporate scandals and government corruption seems to be all too common these days. We will write a custom essay sample on Pseudo-Transformational Leader or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Lately, we have heard an abundance of stories in reference to top executives within multi-million dollar companies found guilty of conspiracy, theft and fraud; also known as unethical or pseudo-transformational leadership. â€Å"Pseudo-transformational leaders may create the impression that they are doing the right things, but will secretly fail to do so due to their own narcissistic interests. They are less likely to listen to conflicting views and more likely to be intolerant of the differences of opinion between their followers and themselves† (Howell Avolio, 1992). For appearances, a pseudo-transformational leader appears to be virtuous, but is actually deceptive. They set a regulatory plan to manipulate the values of followers and often at the expense of others and/or organizations. â€Å"Pseudo-transformational leaders’ individualized consideration creates dependent followers instead of empowered ones† (Bass Bass, 2008, p. 233). Followers who have the inability to work independently or think for themselves can give a pseudo-transformational leader treacherous power and often the green light for manipulation. Followers will lack self-confidence, creativity and most importantly honesty. The first step to trust between a leader and follower is the leader relaying their ethical and moral beliefs to all employees, so extremely powerful. The ethical and moral trait he looks for in his employees is honesty, the ability to recognize the individual impact on peers/internal and external employees, transparency, and integrity. â€Å"Pseudo-transformational leaders are skilled at communicating their beliefs and promoting their missions using rhetoric and metaphor, but they motivate followers through deception and false promises, often substituting self-indulgent emotionality for logic. (Bass and Steidlmeier, 1998). Self-promotion is a bad characteristic of pseudo-transformational leaders; seeking personal gratification and put their own needs before others, a very narcissistic attitude. With a leader who is self-promoting, this can turn any productive, successful team into a dysfunctional one quickly and in the end followers within that team will drift away and become distan t. How successful a business is depends on their willingness to make a change to create a thriving innovativeness capable of long-term. There has to be a paradigm shift from old to new. The new paradigm’s main ideas are to create a culture of leadership that is investing in their people. Businesses cannot be successful without their employees they are not liabilities they are assets. They need to be treated as an investment, i. e. , treating everyone with fairness, dignity and where values and ideas respected. Empowering employees to be independent and share their ideas makes them truly believe in the company. Employees tend to be loyal and committed; ambassadors to the success of the company. An empowering leadership team within any organization is the key to success and a self-promoting leader will not work. An organization must have trust in their leadership team. Being an effective leader means to influence, inspire, support and instruct your team through challenges and uncertainty while standing strong, remaining calm, empowering and focused. Pseudo-transformational leaders are far from being effective. Leading by fear, leading by force, can be detrimental to any organization. An effective leader is one who is authentic, influential and motivating. Organizations employing leaders practicing pseudo-transformational leadership will have their ethics questioned as well as their loyalty and dependability; especially by customers and stakeholders. The concept of treating employees well is that, in turn, customers get treated the same. References Howell, J. M. , Avolio, B. J. (1992). The ethics of charismatic leadership: Submission or liberation? Academy of Management Executive, 6 (2), 43-54. Bass, B. , Stiedlmeier, P. (1998) Ethics, character, and authentic transformational leadership. [Electronic Version]. Leadership Quarterly, 10(2). 181-218 Bass, B. Bass, R. (2008). The Bass handbook of leadership: theory, leadership, and managerial application. New York: Simon Schuster.