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  • Water Watch Updates | NJPIRG Student Chapters
    PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens United No Bees No Food Save ABX 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

    Original URL path: http://njpirgstudents.org/node/1181/content (2016-04-29)
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  • Campaign Resources | NJPIRG Student Chapters
    Clean up Project Packet Download this resource for everything you need to know to organize the Hunger Clean up on your campus Keep Reading about Hunger Clean up Project Packet Resource Sustainability Sustainable U Project Packet Download this resource for everything you need to know to organize the Sustainable U campaign on your campus Keep Reading about Sustainable U Project Packet Resource Higher Ed Save Student Aid Campaign Project Packet Download this resource for everything you need to know to organize the Affordable Higher Ed campaign on your campus Keep Reading about Save Student Aid Campaign Project Packet Pages 1 2 3 4 5 6 next last More About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens United No Bees No Food Save ABX Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on

    Original URL path: http://njpirgstudents.org/resources/resources/textbook-tips (2016-04-29)
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  • Senators Block Bill to Keep Student Loan Interest Rates From Doubling On July 1 | NJPIRG Student Chapters
    Just last week young people attended town hall meetings from Florida to Wisconsin to urge members of Congress to fix the problem Returning this week Senators were greeted by more than 500 000 signatures from supporters around the country The bottom line is that this is important to future graduates and their families it is a top concern among students and has support from across the political spectrum The message to Congress is clear get it done There are any number of ways to pay for this important extension of low interest rates and we urge members to work together on behalf of the almost 7 5 million students facing increased debt to find a bipartisan solution Track the campaign on Twitter at DontDoubleMyRate About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens United No Bees No Food Save ABX Newsroom Latest Updates Blog News Releases

    Original URL path: http://njpirgstudents.org/news/senators-block-bill-keep-student-loan-interest-rates-doubling-july-1 (2016-04-29)
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  • Students to Congress: Don’t Double Student Debt Rates | NJPIRG Student Chapters
    10 year repayment period and 11 000 over 20 years Students like Northern Arizona University freshman Tyler Dowden can t handle more student debt If student loan interest rates increase I will pay more than 3 500 extra in debt leaving me with almost 30 000 in loans when I graduate I am already worried about my ability pay my loans back adding several more thousand puts me further behind Samantha Durdock a sophomore at University of Maryland College Park currently has 8 000 in subsidized Stafford loans and expects to borrow another 15 000 Even though graduation is several years away I am worried about the amount of debt I will have I might not go to grad school as I have planned to avoid more debt If interest rates double the extra debt might also impact my ability to pay basic expenses like rent Subsidized Stafford loans are provided to almost 8 million low and moderate income students each year and do not accumulate interest while the borrower is in school If Congress does nothing this July 1st interest rates on these loans will double from 3 4 to 6 8 on new loans US Senator Reed D RI and Representative Courtney D CT authors of legislation to prevent interest rates from doubling addressed a large group of students before the letters were delivered NJPIRG Student Chapters with Rebuild the Dream Campus Progress and the United States Student Association delivered 130 000 letters to House Speaker Boehner House minority leader Pelosi Senate Leader Reid and Senate minority leader McConnell Lawmakers can support the effort to keep interest rates from doubling by passing H R 3826 sponsored by Rep Courtney or S 2051 sponsored by Senator Reed President Obama has proposed a 1 year freeze on interest rates in

    Original URL path: http://njpirgstudents.org/news/students-congress-don%E2%80%99t-double-student-debt-rates (2016-04-29)
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  • New Consumer Finance Chief Can Lower Student Debt | NJPIRG Student Chapters
    ultimately to drive down the cost of college said Rich Williams Higher Education Advocate for NJPIRG Student Chapters We applaud President Obama for standing up to Wall Street and its backers on Capitol Hill on behalf of students in need of protection from unfair financial practices The average student now graduates with over 25 000 in federal student loan debt Hundreds of thousands of students also assume expensive private student loans before exhausting more consumer friendly college financing options Private student loans pile more debt on students because they provide the worst rates and terms to students with the greatest financial need In addition students are targets for high interest high fee credit cards and debit cards on campus The appointment bypasses Senate opponents who pledged to block any director unless the bureau was first weakened in a manner approved by Wall Street The confirmation of a director also grants the bureau all of its new powers under law to act to protect students About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer

    Original URL path: http://njpirgstudents.org/news/ap/new-consumer-finance-chief-can-lower-student-debt (2016-04-29)
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  • College Students ‘Subprimed’ | NJPIRG Student Chapters
    week of December 9th In addition to its many other functions the CFPA would ensure that products like private student loans are fair and transparent It is essential we have a consumer watchdog to ensure that students don t plunge headlong into financial risk to pay for a college degree and it is critical that private student loans are covered by the agency Williams noted on Tuesday Subpriming Students also finds that the over 2 million students attending for profit colleges could fall prey to aggressive marketing of private loans made directly by these colleges Direct institutional loans increase enrollment at for profit schools but at a high cost to students Unfortunately a loophole in the House version of the bill to create the CFPA would exempt these risky institutional private loans from CFPA regulation This is especially worrisome given that students attending for profit colleges have higher average debt levels than those at public colleges 32 650 versus 17 700 Almost any school or company can offer a high cost student loan and market it Lacking regulation the products are hazardous Interest rates on private student loans can be three times as high as rates on federal loans and fees can be pegged at almost 10 percent of the loan principal Subpriming Students adds Last year almost 2 out of every 3 private loan borrowers did not reach the federal Stafford student loan limit before taking out a costlier private loan 26 percent took out no Stafford loans at all Students throughout the country are facing high tuition now and shaky job prospects at graduation Williams said Providing security to students requires strong rules for private student loan marketing as well as terms and conditions Only a strong Consumer Financial Protection Agency can do the job he concluded Click

    Original URL path: http://njpirgstudents.org/news/sp/college-students-%E2%80%98subprimed%E2%80%99 (2016-04-29)
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  • The Cost of College Will Soar if Interest Rates Allowed to Double | NJPIRG Student Chapters
    of attaining a college degree At a time when 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 How is NJPIRG funded Local

    Original URL path: http://njpirgstudents.org/reports/cost-college-will-soar-if-interest-rates-allowed-double (2016-04-29)
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  • Transportation and the New Generation | NJPIRG Student Chapters
    the economy recovers Young people are driving less for a host of reasons higher gas prices new licensing laws improvements in technology that support alternative transportation and changes in Generation Y s values and preferences all factors that are likely to have an impact for years to come Federal and local governments have historically made massive investments in new highway capacity on the assumption that driving will continue to increase at a rapid and steady pace The changing transportation preferences of young people and Americans overall throw those assumptions into doubt The time has come for transportation policy to reflect the needs and desires of today s Americans not the worn out conventional wisdom from days gone by The recession has played a role in reducing the miles driven in America especially by young people People who are unemployed or underemployed have difficulty affording cars commute to work less frequently if at all and have less disposable income to spend on traveling for vacation and other entertainment The trend toward reduced driving however has occurred even among young people who are employed and or are doing well financially America has long created transportation policy under the assumption that driving will continue to increase at a rapid and steady rate The changing transportation preferences of young people and Americans overall throw that assumption into doubt Policy makers and the public need to be aware that America s current transportation policy dominated by road building is fundamentally out of step with the transportation patterns and expressed preferences of growing numbers of Americans It is time for policy makers to consider the implication of changes in driving habits for the nation s transportation infrastructure decisions and funding practices and consider a new vision for transportation policy that reflects the needs of 21st century

    Original URL path: http://njpirgstudents.org/reports/transportation-and-new-generation (2016-04-29)
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