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  • WISPIRG | Together we can make change happen Students
    paying up to 18 percent interest More 01 04 2012 Report The Right Track America s highways and airports are increasingly congested Our nation s transportation system remains dependent on oil And our existing transportation infrastructure is inadequate to the demands of the 21st century The United States should build an efficient and fast passenger rail network with high speed rail as a central component to help address the nation s transportation challenges in the 21st century More Pages first previous 11 12 13 14 15 16 17 18 19 next last Visit Our Blog WISPIRGs Homepage About Us Our Leadership Our Mission Accomplishments Local Chapters UW Madison UW Stevens Point 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 Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Don t Get Ripped Off Big Red Go Green Sustainable U Protect Wisconsin s Lakes Energy Service Corps Newsroom Latest Updates Blog News Releases PIRG in the News Multimedia Reports Search form Search Students in Action RSS Contact Sustainable U Big Red Go Green Tell Congress Don t Double Our Rates take action On July 1 student loan interest rates on federal student loans will double driving up loan costs for 8 million students by 1 000 per loan JOBS FOR GRADUATING SENIORS Learn more and apply If you are ready to dig in and start solving the problems that confront our country consider a job with U S PIRG JOIN OUR TEAM OF INTERNS AND VOLUNTEERS GET INVOLVED Meet new people get involved in your community learn important skills and make a difference A crash course in effective citizenship Get the toolkit Get the basic tools necessary to run strong campaigns

    Original URL path: http://www.wispirgstudents.org/home?page=14 (2016-04-29)
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  • Low Loan Interest Rates, More Work-Study Pushed by Obama | WISPIRG Students
    for his proposal to keep student loan interest rates low If Congress does nothing students who takeout the maximum 23 000 in subsidized student loans will see their interest balloon to about an additional 5 000 over a 10 year repayment period and 11 000 over a 20 year repayment period In addition to loans many students work their way through college to keep their debt burden low However more full time students are becoming full time workers With the economic down turn it is getting harder for those students to find and continue employment Doubling the amount of work study jobs as proposed by the President will help support needy students willing to work hard make it to graduation Higher Ed About Us Our Leadership Our Mission Accomplishments Local Chapters UW Madison UW Stevens Point 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 Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Don t Get Ripped Off Big Red Go Green Sustainable U Protect Wisconsin s Lakes Energy Service Corps Newsroom Latest Updates Blog News Releases PIRG in the

    Original URL path: http://www.wispirgstudents.org/blogs/latest-updates-blog/low-loan-interest-rates-more-work-study-pushed-obama (2016-04-29)
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  • WISPIRG | Together we can make change happen Students
    can expect from high speed rail and how we can receive the greatest possible benefits from our investment More 01 03 2012 News Release 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 More 12 28 2011 Resource 21st Century Transportation Project Packet Download this resource for everything you need to know to organize the transit campaign on your campus this spring More Pages first previous 12 13 14 15 16 17 18 19 20 next last Visit Our Blog WISPIRGs Homepage About Us Our Leadership Our Mission Accomplishments Local Chapters UW Madison UW Stevens Point 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 Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Don t Get Ripped Off Big Red Go Green Sustainable U Protect Wisconsin s Lakes Energy Service Corps Newsroom Latest Updates Blog News Releases PIRG in the News Multimedia Reports Search form Search Students in Action RSS Contact Sustainable U Big Red Go Green Tell Congress Don t Double Our Rates take action On July 1 student loan interest rates on federal student loans will double driving up loan costs for 8 million students by 1 000 per loan JOBS FOR GRADUATING SENIORS Learn more and apply If you are ready to dig in and start solving the problems that confront our country consider a job with U S PIRG

    Original URL path: http://www.wispirgstudents.org/home?page=15 (2016-04-29)
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  • WISPIRG | Together we can make change happen Students
    Savings for Local Elections Officials Through Voter Registration Modernization Millions are being wasted due to antiquated voter registration systems and procedures U S PIRG Education Fund s survey of 100 counties showed that over 33 467 910 00 of public money was spent on simple registration implementation and error correction issues in 2008 The Fund finds that a more streamlined and automatic system linking existing databases with the state voter rolls could free up significant resources at the local level More 12 05 2011 Report Obama s Budget Supporting Students not Banks A report by the USPIRG Higher Education Project estimates the impact of transferring 5 billion in student lender bank subsidies to Pell Grant recipients in each state More Pages first previous 13 14 15 16 17 18 19 20 21 next last Visit Our Blog WISPIRGs Homepage About Us Our Leadership Our Mission Accomplishments Local Chapters UW Madison UW Stevens Point 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 Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Subsidizing Obesity Don t Get Ripped Off Big Red Go Green Sustainable U Protect Wisconsin s Lakes Energy Service Corps Newsroom Latest Updates Blog News Releases PIRG in the News Multimedia Reports Search form Search Students in Action RSS Contact Sustainable U Big Red Go Green Tell Congress Don t Double Our Rates take action On July 1 student loan interest rates on federal student loans will double driving up loan costs for 8 million students by 1 000 per loan JOBS FOR GRADUATING SENIORS Learn more and apply If you are ready to dig in and start solving the problems that confront our country consider a job with U S PIRG

    Original URL path: http://www.wispirgstudents.org/home?page=16 (2016-04-29)
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  • Cutting Interest Rates, Lowering Student Debt - Updated | WISPIRG Students
    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 About 5 5 million students borrow subsidized Stafford loans every year Of those borrowers nearly 3 3 million attend four year public or private non profit institutions The vast majority of these borrowers come from low and middle income families According to the Congressional Research Service 75 of traditional aged borrowers with subsidized Stafford loans come from families with incomes below 67 374 The median income for an American family of four is 65 000 Cutting Interest Rates The College Cost Reduction and Access Act reduces interest rates on subsidized Stafford loans for undergraduates Loans originated during the next four years are set at fixed interest rates of 6 0 in 2008 2009 5 6 in 2009 2010 4 5 in 2010 2011 and 3 4 in 2011 2012 After graduation students can consolidate their loans into one loan at the weighted average of the interest rates of their various loans Interest rates are reset on July 1st for the following school year Findings Lower Interest Rates Will Save Students Thousands of Dollars By lowering interest rates on subsidized Stafford loans Congress saved college students thousands of dollars over the life of their loans We found The average four year college student starting school in 2008 with subsidized Stafford loans will save about 2 570 over the life of his or her loans The average savings for freshmen starting school in 2008 vary slightly from state to state ranging from 2 820 for a student in California to 2 340 for a student in West Virginia Table ES 1 About Us Our Leadership Our Mission Accomplishments Local Chapters UW

    Original URL path: http://www.wispirgstudents.org/reports/cutting-interest-rates-lowering-student-debt-updated (2016-04-29)
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  • Required Reading | WISPIRG Students
    whether or not the product has undergone any changes This claim needs further investigation Costly Bundles Our previous research found that half of all textbooks now come bundled or shrinkwrapped with supplementary materials such as workbooks and CD ROMS As of 2004 bundled textbooks cost 10 percent more on average than their unbundled counterparts We found examples of bundled books however that are considerably more expensive costing 46 to 48 percent more than the standard edition For example the bundled version of Pearson s International Economics costs 48 percent more than the unbundled version New Covers Old Content Zero Used Books Publishers frequently issue new editions of textbooks often with few substantive changes and even in subject areas like calculus and introductory physics that have not changed significantly in years Once a new edition is issued faculty and bookstores have little choice but to stop using the old edition The result is that the previous edition disappears from bookstore shelves almost overnight limiting the used textbook market We found two examples of new editions that faculty reviewers say lack substantive changes Thomson s Western Civilization 6th edition and Houghton Mifflin s Calculus with Analytic Geometry 7th edition Modern Bundles Resell Sabotage Bundling not only can increase the price of a textbook but also can undermine the used book market Textbooks increasingly come wrapped with one time use components such as one time passwords to websites with problem sets that prevent the entire book package from being resold at the end of a semester Pearson s bundled version of General Chemistry 9th edition is one example of a book with packaged components that eliminate buyback potential Low Cost Options that are Anything But Low Cost Publishers often claim that they offer lower cost options that are cheaper than the standard hardcover text McGraw Hill s Organic Chemistry 6th edition is one example of an allegedly low cost textbook that upon further examination actually has a higher net cost than the standard edition Customized to Limit the Used Book Market Publishers increasingly promote custom books which allow a professor to pick and choose the content he or she wishes to include in the class text While customization can potentially lower the cost of a textbook and create a more focused curriculum custom books also can undermine the used book market At the University of Illinois at Urbana Champaign one professor tailored Houghton Mifflin s Psychology 7th edition so specifically for his course that his students will not be able to sell the book back Policy Recommendations Textbooks Should Be Priced and Sold at a Reasonable Cost to Students Publishers should work to keep the cost of producing their books and ancillary items as low as possible without sacrificing educational content Low cost alternatives should be true equivalents of their standard counterparts having equal usability completeness and quality of content When publishers sell textbooks bundled they should sell the same textbooks separately Faculty should give preference to the lowest cost option when the

    Original URL path: http://www.wispirgstudents.org/reports/required-reading (2016-04-29)
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  • Exposing the Textbook Industry | WISPIRG Students
    us that sales representatives rarely or never volunteer the price And even when professors directly asked for the price during a sales meeting only 38 reported that the sales representative would always disclose the price 2 Publishers need to provide unbundled alternatives to bundled textbooks and disclose the availability of these alternatives Bundling refers to the practice of shrink wrapping a textbook with additional materials such as CDs pass codes or workbooks Only 50 of the professors who told us that they assigned a bundled book last semester said that they used the additional materials often One third said that they either could not assign the book they chose without the bundle or did not know if that option was available This finding stands in contrast to the claims of many in the publishing industry that most of their books are available unbundled 3 Most professors we surveyed often find new editions unnecessary Of the professors we surveyed 71 said that new editions of textbooks in their field are justified only sometimes or rarely confirming earlier PIRG research Since new editions are on average 12 more expensive than the previous edition students are spending a lot of money for little educational gain New editions also hamper the used book market the most practical source for most students to access cheaper books Policy Recommendations Textbooks should be produced and priced to be as inexpensive as possible without sacrificing educational value New textbook editions should be produced only when educationally necessary each book should be kept on the market as long as possible with preference given to paper or online supplements over a whole new edition Faculty should have the option to purchase textbooks unbundled whenever a textbook is sold with additional materials it also should be available without the extra materials

    Original URL path: http://www.wispirgstudents.org/reports/exposing-textbook-industry (2016-04-29)
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  • Limited Knowledge | WISPIRG Students
    authors their grants or institutions Open access peer reviewed journals also have impact factors and citation rates that on average are equal to or higher than traditional peer reviewed journals 1 Open Course Materials And Software In 1999 the Massachusetts Institute of Technology MIT launched OpenCourseWare OCW a program MIT uses to make all of its course materials available free online for anyone in the world 2 OCW had 1 100 courses published as of June 1 2005 3 Rice University launched a similar site Connexions which grew from 200 modules to 2 300 in two years 4 Leverage Interlibrary Loan Systems Interlibrary loaning programs allow multiple institutions to share research materials through the Web or a manual delivery system For example the University of California UC interlibrary loan system allows a library to borrow or photocopy an article available in another institution s collections thus providing access to research without significant cost to the reader and capturing efficiencies in the way materials are collected and shared 5 Create Permanent Institutional Archives Administrators and librarians should create permanent standing archives in which researchers at the institution can deposit their work The university system maintains the archive and makes available the research stored within it over the Internet This guarantees free permanent access to the research produced by that university to the university itself other university systems and the public Bulk Purchasing Institutions should purchase journals in consortia with other universities to help lower subscription prices In 2002 the UC campuses negotiating in consortia through the California Digital Library saved 27 million dollars 6 After purchasing the information each of the UC schools had access to it through the Internet Bulk purchasing lowers the prices and maintains user access to vital research UC budget materials give dramatic evidence of the advantages

    Original URL path: http://www.wispirgstudents.org/reports/limited-knowledge (2016-04-29)
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