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  • Affordable Higher Education | INPIRG
    over the long term for the borrowers and parents in repayment In response USPIRG works to increase student grant aid make debt levels more manageable and protect students as consumers from practices that contribute to educational debt We need robust grant programs on a state and federal level a simpler system of student aid that actively encourages student and parental participation and stronger safeguards for student borrowers in repayment Also we can lower student debt by protecting student consumers College students pay unjustifiably high amounts for college textbooks each year And those who rely on credit and debit cards to help offset day to day costs of education or to access their financial aid disbursements can get slapped with penalty fees and terms that take advantage of them Tell Congress Protect Student Aid Issue updates Resource Higher Ed Save Student Aid Campaign Project Packet Summary Download this resource for everything you need to know to organize the Affordable Higher Ed campaign on your campus Keep Reading News Release Higher Ed College Students Subprimed Many of today s college students face unnecessary financial risks by relying on unregulated private student loans to pay for college with some students paying up to 18 percent interest Keep Reading News Release Higher Ed New Consumer Finance Chief Can Lower Student Debt Washington D C Today President Obama is taking a bold step to protect student consumers from financial tricks and traps by announcing a recess appointment of his well qualified nominee Richard Cordray to head the new Consumer Financial Protection Bureau The CFPB can improve private student loans as well as credit cards and debit cards issued on campus Keep Reading Media Hit Higher Ed In The Public Interest Student Loan Defaults Skyrocket Double in Past 6 Years Keep Reading Report Higher Ed Obama

    Original URL path: http://inpirg.org/campaigns/in/affordable-higher-education?page=5 (2016-04-29)
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  • Affordable Higher Education | INPIRG
    consumers College students pay unjustifiably high amounts for college textbooks each year And those who rely on credit and debit cards to help offset day to day costs of education or to access their financial aid disbursements can get slapped with penalty fees and terms that take advantage of them Tell Congress Protect Student Aid Issue updates Blog Post Higher Ed Obama Announces Initiatives to Ease Student Loan Debt WASHINGTON October 25th Statement of Rich Williams Higher Education Advocate for Alpha PIRG students Tomorrow President Obama will announce a series of initiatives that will reduce the burden of student loan debt that millions experience after graduation Student debt levels have skyrocketed Hundreds of thousands of student loan borrowers wear a financial straightjacket once repayment begins Tools exist to help borrowers break free from negative consequences like default but they aren t aware that these tools exist and they need the tools sooner Keep Reading Add new comment Blog Post Higher Ed Pell Grants Protected in Budget Cuts As budget cuts continue to dominate politics in Washington DC there was only one thing both sides of the aisle could come together and agree on in the latest round of budget cuts protect the Pell Grant program The federal Pell Grant program is the federal government s cornerstone financial aid program and provides up to 5 550 in scholarship aid to almost 10 million low and moderate income college students each year Roughly 27 percent of all undergraduates across the country receive some level of Pell Grant aid Keep Reading Add new comment Report Consumer Protection Higher Ed Risking Our Future Middle Class Young Americans face lasting damage from the dual crises in the financial sector and in personal finance making it urgent that Congress pass strong financial reform legislation Keep Reading

    Original URL path: http://inpirg.org/campaigns/in/affordable-higher-education?page=6 (2016-04-29)
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  • Affordable Higher Education | INPIRG
    means and affordable over the long term for the borrowers and parents in repayment In response USPIRG works to increase student grant aid make debt levels more manageable and protect students as consumers from practices that contribute to educational debt We need robust grant programs on a state and federal level a simpler system of student aid that actively encourages student and parental participation and stronger safeguards for student borrowers in repayment Also we can lower student debt by protecting student consumers College students pay unjustifiably high amounts for college textbooks each year And those who rely on credit and debit cards to help offset day to day costs of education or to access their financial aid disbursements can get slapped with penalty fees and terms that take advantage of them Tell Congress Protect Student Aid Issue updates News Release Higher Ed Textbooks Congress Moves to Cut Textbook Costs in Landmark Bill Marking the first major federal action to curb the skyrocketing cost of college textbooks Congress approved legislation today that will bring down prices for millions of students Keep Reading Report Higher Ed Cutting Interest Rates Lowering Student Debt Updated In 2007 Congress passed the College Cost Reduction and Access Act The bill included several provisions to lessen the burden of student debt including More than two billion dollars a year in additional funding for the Pell Grant program The Pell Grant helps more than 5 million lower income students each year A new Income Based Repayment program that allows student loan borrowers to repay their federal loans as a percentage of their income Reductions in interest rates on subsidized Stafford student loans Keep Reading Report Higher Ed Textbooks Ripoff 101 2nd Edition In order to both confirm our initial findings and to follow up on a number of

    Original URL path: http://inpirg.org/campaigns/in/affordable-higher-education?page=7 (2016-04-29)
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  • Affordable Higher Education Updates | INPIRG
    Info Students in Action Like Us Follow Us RSS Contact Students in Action Student leaders educate the campus about income inequality during National Hunger and Homelessness Awareness Week We collect petition signatures lots of them Hunger and Homelessness intern Roua Aboukhadijeh collecting interview footage on campus for a short film on poverty Students campaign for High Speed Rail Fast Trains ARE Cool Students volunteer at a local garden for the

    Original URL path: http://inpirg.org/node/549/content (2016-04-29)
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  • Save Student Aid Campaign Project Packet | INPIRG
    IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Student Consumer Action Network Sustainable U Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on experience and make a difference Get Info Students in Action Like Us Follow Us RSS Contact Resources by Campaign Make Textbooks Affordable Make Textbooks Affordable Affordable Higher Education Newsroom Blog Media Hits News Releases Reports Resources Students in Action Student leaders educate the campus about income inequality during National Hunger and Homelessness Awareness Week We collect petition signatures lots of them Hunger and Homelessness intern Roua Aboukhadijeh collecting interview footage on campus for a short film on poverty Students campaign for High Speed Rail Fast Trains ARE Cool Students volunteer at a local garden for the National Hunger Cleanup Volunteers wear the textbook mascot costumes to educate students about affordable textbook alternatives Students posing with the textbook Rebellion books We Want Cheaper TEXTBOOKS Textbook Rebel and Mr 200 drew attention to outrageous

    Original URL path: http://inpirg.org/resources/sp/save-student-aid-campaign-project-packet (2016-04-29)
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  • The Campus Debit Card Trap | INPIRG
    new protections for consumers and provides tips for students Greater transparency will help make the market work better KEY FINDINGS U S PIRG has identified almost 900 card partnerships between colleges and banks or other financial firms at schools with over 9 million students or over 2 in 5 42 of all students nationwide Industry leading banks and financial firms tout that upwards of 70 80 of students use their cards after a few years of marketing U S PIRG has identified that 32 of the 50 largest public 4 year universities 26 of the largest 50 community colleges and 6 of the largest 20 private not for profit schools had debit or prepaid card contracts with a bank or a financial firm Of banks US Bank had the most card agreements at 52 campuses with over 1 7 million students Wells Fargo had card agreements at schools with the most students its contracts were at 43 campuses that have over 2 million students The largest financial firm player Higher One has card agreements with 520 campuses that enroll over 4 3 million students Although contracts are hard to obtain revenues to schools can be substantial A new contract between Ohio State University and Huntington Bank includes 25 million in payments to the school over 15 years It also includes an additional 100 million in lending and investment to neighborhoods surrounding campus Fees can be steep and frequent for students using the university adopted cards including a variety of per swipe fees inactivity fees overdraft fees ATM fees and fees to reload prepaid cards At least one fee listed on Higher One s fee schedule would violate U S Department of Education rules if charged other fees may violate other rules Potentially aggressive marketing tactics can make students captive customers

    Original URL path: http://inpirg.org/reports/sp/campus-debit-card-trap (2016-04-29)
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  • The Cost of College Will Soar if Interest Rates Allowed to Double | INPIRG
    tuition is rising at 8 3 percent a year and median wages for young people are falling young Americans and their families can ill afford more Washington inaction If Congress allows the interest rate to increase 7 4 million students will see their college costs go up about one out of every three college students in the country The increase will cost the average college student about 1 000 more per year of school As a result the cost of college for the average borrower taking out full Subsidized Stafford Loans will increase by 20 percent next year This increase comes at a time when American families are already struggling financially and having a college degree is more important than ever before Given the importance placed on a college education and the significance of higher education to a nation s economic competitiveness it is unsurprising that in a recent poll 92 percent of young Democrats and 78 percent of young Republicans say that increasing financial aid and making loans more affordabl for college would help make the economy stronger About Us Our Leadership Our Mission Accomplishments IU Chapter Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns 21st Century Transportation Affordable Higher Education Democracy Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Student Consumer Action Network Sustainable U Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on experience and make a difference Get Info Students in Action Like Us Follow Us RSS Contact Reports by Campaign Student Consumer Action Network 21st Century Transportation Make Textbooks Affordable Make Textbooks Affordable Stop Subsidizing Obesity Newsroom Blog Media Hits News Releases Reports Resources Students in Action

    Original URL path: http://inpirg.org/reports/cost-college-will-soar-if-interest-rates-allowed-double (2016-04-29)
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  • Risking Our Future Middle Class | INPIRG
    high interest loans I ll have to repay at graduation will benefit the banks but keep me in a financial hole This is a generation of 18 29 year olds unemployed or involuntarily out of the workforce added Gregory Cendana President of the United States Student Association With jobs scarce higher education should be an accessible training ground but instead it is under siege Risking Our Future Middle Class documents that debt has become a generation defining characteristic for today s young adults For instance private student loans typically have uncapped variable interest rates reaching as high as 18 in recent years and they cannot be deferred in the event of job loss Young adults need tools to save and build assets for the future otherwise they ll be dragged down by a predatory financial market noted Caleb Gibson of Demos We need more disclosure fair pricing and protection from the excessive risk taking of banks Senator Dick Durbin D IL recently sponsored an amendment to the Wall Street reform package that would ensure that private loans from the country s largest student lender Sallie Mae fall under the CFPB s authority Too often students who don t realize the long term impact of their loan decisions fall victim to high interest rates and predatory lending We owe it to them and their families to make sure higher education remains accessible by putting strong protections in place that prevent abusive practices in private student lending Similar legislation passed the House in December According to Americans for Financial Reform a coalition of more than 250 reform organizations including U S PIRG USSA and Demos industry opponents of the strongest parts of the reform package have been spending almost 1 4 million a day since the beginning of 2009 in an attempt

    Original URL path: http://inpirg.org/reports/risking-our-future-middle-class (2016-04-29)
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