What are the drivers that lead to higher student loan balances? Why a one-time student loan forgiveness program doesn't solve the problem of increasing student debt. What are some more viable longer-term solutions. Topics covered include: How big is the Biden Administration student debt forgiveness planHow big has the student debt burden grownWhy are borrowings for students increasingWhy Baby Boomers spent so much less on collegeHow are student loans accounted for by the U.S. federal … [Read more...]
399 Plus: Student Loan Forgiveness and Inflation, Building a Bond Ladder, a New High Yield Savings Account Offering
In Plus episode 399, we introduce the new Money For the Rest of Us glossary. We consider whether the Biden Administration's move to cancel upwards of $600 billion in student loans will be inflationary. We discuss how to go about building a bond ladder. Finally, we analyze Save's new Market Savings Account. … [Read more...]
327: Is Student Loan Forgiveness A Good Idea?
Should the U.S. cancel $10,000 or more of student loan debt per borrower? What would be the economic and financial impact? Why the student loan system is broken and how to fix it. Topics covered include: How large and what is the growth rate of U.S. student loan balancesWhat are the projections for student loan lossesWhat are the pros and cons of forgiving student loansWhat would be the impact on federal finances of canceling student loansWhy the U.S. government is already technically … [Read more...]
307: Income Share Agreements—Good for Students or Investors?
What are the pros and cons of income share agreements for partially funding higher education. Are investing in ISA's a viable opportunity? Topics covered include How do income share agreements (ISAs) differ from student loans for funding higher education costs.Are ISA's really a partial form of slavery or indentured servitudeWhat are the components of an ISA contract.How adverse selection, differential pricing, moral hazard, and a lack of regulation pose challenges to income share … [Read more...]
245: Is College Worth It?
With more and more college degrees being granted and higher student loan balances, when does it make sense to go to a highly selective college or to college at all? What can increase earnings more than just having a college degree. In this episode you’ll learn: Who benefits the most from attending a highly selective college.Why income disparities exist for college graduates from different family backgrounds.Why student loan balances are increasing and why student loan forgiveness … [Read more...]
