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Jada Henderson Professor Burruss English 102 03 may 2021 Annotated Bibliography Student Debt Carlson, Susan M

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Jada Henderson Professor Burruss English 102 03 may 2021 Annotated Bibliography Student Debt Carlson, Susan M. "The US student loan debt crisis: State crime or state-produced harm?." Journal of White Collar and Corporate Crime 1.2 (2020): 140-152. https://doi.org/10.1177/2631309X20921567 This article primarily discusses the social harm caused by student loan debts and proposes an explanation for the commodified public higher education, shift to debt-financed. According to Carlson (140), the level of outstanding private and federal debt in America on June 30, 2019, had reached $1.64 trillion. This staggering level of indebtedness in the United States has caused critical harm to students and their families. Pragmatically, the lifetime aggregate limit of loans that professional/graduate is US$50,000, which forces them to seek more loans to cover additional costs from private-sector financial firms (149). This article discusses recent research findings on student debt. In addition, it is current since it was written in February 2020 and published in June 2020. Also, the article is relevant to the topic of discussion because it discusses the topic of student debt directly, as well as advocating for reforms on the student loan debt crisis. The article does deliver on its promise and uses a formal language and appropriate coverage to do so. Furthermore, the author of the article, Susan M. Carlos is an experienced professor that has used different credible sources to gather information. Thus, the author has the right credentials and qualifications required to analyze the 2 student loan debt. The information gathered is supported by scholarly and academic evidence and has no grammatical errors. The results of the study are unique, as its purpose is to inform. Clearly in the article, there lacks any hidden agenda as well as biased treatment despite the topic being mildly controversial. Generally, this article provides significant research findings that can be very useful in compiling information for my essay. I will use this article to analyze and discuss how student loan debts can bring social harm to both the student and their families. Further, this information will be useful in furthering my research on the topic, student debt; therefore, contributing to my overall research process on student debt. Deller, Steven, and Jackson Parr. "Indebted and Drained: Student Loans and Rural America." Choices 35.316-2020-1430 (2020). This article provides a critical analysis of the potential effects and crisis of student loans on local economies. The growing rate of student debt in the United States has become a cause of concern. It is estimated that approximately $481 billion in total student debt/loan was taken out at the beginning of 2006 to pursue higher educational opportunities (Deller & Parr, 1). By the start of 2019, the total student loan had increased to about $1.6 trillion. Based on the article’s analysis, the rates of defaults on student debts are expected to further threaten the stability of the financial system and weaken the financial markets facilitated by the COVID-19 pandemic (3). Furthermore, student debts result in higher rates of stress in rental markets and lower rates of homeownership (5). This article’s content was crafted in January 2020, although it was published in August 2020 and provides current research findings of student debt in rural America. I’m reading this article because it provides relevant information about my research question, the student debt crisis. As such, I'm able to gather the information that is critical for my essay. I purport that the 3 article has delivered what it promised and the language used is appropriate for my academic learning. The authors have qualifications and enough experienced to write this article. Steven Deller is a professor and Parr is a research assistant at the University of Wisconsin, with the former having a doctorate while the latter two master’s degrees from University of Wisconsin. The authors have also cited their sources and most of them are scholarly. A small portion of the insight has been replicated, although it is largely a unique piece. Overall, the purpose of the article through the employed systematic approach is to provide the impacts of indebtedness on students and their families, as well as the financial crisis imposed by student loans. The article will play a critical part in my essay in that it will assist in providing recent credible information that will be useful in furthering my research findings. Also, this source acts as the basis on which I will retrieve vital data about the current student loan debts in American, as well as how it is fundamentally affecting the rural Americans and financial markets. Houle, Jason N., and Fenaba R. Addo. "Racial disparities in student debt and the reproduction of the fragile black middle class." Sociology of Race and Ethnicity 5.4 (2019): 562-577. https://doi.org/10.1177/2332649218790989 Primarily, this article examines whether black-white disparities in student debt increase, decrease, or persist across the early adult life course and if the debt contributes to wealth inequality. The research findings reveal that black students are more likely to borrow than their white counterparts (563). Racial disparities help create a “fragile black middle class.” Generally, the root of student debts in America is family economic and social background as they use their financial resources to assist kids to navigate postsecondary institutions (565). Also, life after college in blacks is often embarked by economic and social burdens. This article was first published in August 2018 and provides current information and research findings on student debt. I was readings this article because it is relevant to my research 4 question. Also, it provides relevant information on the topic of interest. Both the authors are professors and renowned sociologists that help facilitate their research on this topic of interest. Therefore, it can be said that the writers are experienced enough in this field. Also, the authors have cited their sources, which most of them are academic and scholarly. The purpose of this article is to examine student debts in relation to racial disparities in America. Basically, I will use this article to provide information about how student debt is spread in different races. This article will thus play a critical role in advancing my research on racial disparities in student debt. Furthermore, I will use this article to extract data that is crucial in the development of my essay. Sieg, Holger, and Yu Wang. "The impact of student debt on education, career, and marriage choices of female lawyers." European Economic Review 109 (2018): 124147. https://sci-hub.se/https://doi.org/10.1016/j.euroecorev.2017.05.009 The article centrally examines the impact of student debt on marriage choices, career, and education of female lawyers. According to the U.S. Department of Education, in 2011, the average cost of obtaining a degree, including living expenses, fees, and tuition was $175,000 (125). Therefore, this forces many students to take substantial amounts of loans to finance their education. It is found out that females with more student debt often delay childbearing, stay longer in private sector jobs, and marry men with lower earnings (128). Also, findings reveal that debt affects female lawyers’ careers. This article was recently published by the European research institute in 2018. Also, it presents relevant research findings that deliver the information effectively thus answering my research question. Both the authors are professors and renowned economists that help facilitate their research on this topic of interest. Therefore, it can be said that the writers are experienced enough in this field. Most of the sources used are scholarly and academic and provides the 5 impact of student debt on the education of female lawyers.This article is vital for furthering my research findings of the overall impacts of student debts in the United States. Also, it will provide data on the gender differences in relation to debt effects. Additionally, it will be used to show how student debts can have effects on the students. Therefore, this article will be used as a source of reference in gathering information in my essay about the topic of interest. Innotated Bibliography Assignment Sheet(1)(1 r Essay Assignment: Problem Solution Argument Essay Prompt: In a Persuasive Argument, you will build from the research and analytical skills you developed thus far to identify a problem and advocate for a way to address, solve, or resolve that problem. Identify an audience who can benefit from and participate in the solution your proposal addresses. In other words, think of a specific rhetorical situation and opportunity (i.e., draw from the knowledge you learned in Essay Assignment 1 and 2.). Your starting point, then, is to identify something you think, with good reason, should be changed. Next, argue that a certain action should be taken to respond to or resolve that problem. Most of the paper should be devoted to advocating your plan for addressing/resolving the problem and argue for it using organizational strategies such as cost/benefit, steps, or comparison contrast. Your essay should also address questions of feasibility. To do this, first identify a problem with a clear solution. You can take your cues from the class readings and viewings, class discussions, or discussions with your instructor. Consequently, your paper will: • articulates your position or definition of a problem; argues for a specific solution to the problem; • Lays out a clear step-by-step implantation of the solution. Process: Process: Before proceeding with your work on the assignment you must present your topic and text for your instructor's review and explain what makes this text an interesting subject. The topic must be approved by your instructor. Doing research is fundamental to putting together an effective paper. To this end, you must conduct research on your topic and develop an Annotated Bibliography of at least four sources (see Annotated Bibliography Assignment Sheet below). The bibliography can be changed in the final paper, but the annotated bibliography text you submit will be a graded assignment separate from your Essay Assignment. As you are drafting, consider how you are supporting your claims about the text. Refer to specific evidence from your research (using quotes and other concrete details) to define the problem. At the same time, consider the balance between problem and solution in your writing, specifically its practicality and feasibility. Remember that your job is not to summarize what has already been said about the issue to your reader. Your job is to articulate a clear solution in enough detail for it to be persuasive. After drafting, revise and edit the Final Draft. Consider carefully the organization and coherence of your piece. Develop clear paragraphs that support your thesis. It is essential you incorporate feedback (from peers, from the SVWC, or Smartthinking) at this step of the process. You also must reflect on this process and develop a Reflection laying out your steps. The Reflection Memo is meant to make you cognizant about the writing process. Based on the feedback you received, lay out your process of incorporating feedback and what you learned about the writing process as such in a 1-page memo. Your answers will not be graded for grammar, but you should try to answer as specifically and clearly as possible. The memo should explicitly answer these four questions: What did you understand about the changes asked for in your essay by your reviewers? Be specific. What changes did you make during the revision process and why? What changes did you not make and why not? What did you learn about the research process and how will you use it in the next assignment? . Format: Your final draft should be four to five pages (double-spaced, TNR font, 1" margins). When citing your outside source(s), follow MLA or APA style Deliverables: 1) Annotated Bibliography, 2) Rough Draft for Peer Review, and 3) Final Draft and Reflection Memo