To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has ...To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.展开更多
This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tui...This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tuition fees have far-reaching implications,including increased student loan debt,delayed social mobility,and psychological stress among students.The paper explores the barriers to higher education imposed by financial constraints and the systemic challenges that exacerbate income inequality in access to quality education.Case studies highlight the resilience of students who overcome these obstacles,as well as the struggles of those who face significant setbacks.The paper concludes with policy implications and recommendations for future research,emphasizing the need for a comprehensive approach to address the financial barriers in higher education.It advocates for policy interventions that increase financial aid,reform educational funding,and promote innovative and affordable educational models to ensure equitable access to higher education.展开更多
文摘To find out graduates' repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank's student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students' personal credit;establish student information management mechanism;standardize banks' payment reminder administration behavior;and perfect national student loan system.
文摘This paper examines the multifaceted economic,social,and psychological impacts of the rising cost of college tuition in the United States,with a particular focus on students from low-income families.The escalating tuition fees have far-reaching implications,including increased student loan debt,delayed social mobility,and psychological stress among students.The paper explores the barriers to higher education imposed by financial constraints and the systemic challenges that exacerbate income inequality in access to quality education.Case studies highlight the resilience of students who overcome these obstacles,as well as the struggles of those who face significant setbacks.The paper concludes with policy implications and recommendations for future research,emphasizing the need for a comprehensive approach to address the financial barriers in higher education.It advocates for policy interventions that increase financial aid,reform educational funding,and promote innovative and affordable educational models to ensure equitable access to higher education.
