Argie

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Words 11966
Pages 48
From the SelectedWorks of Richard H. Serlin

January 2008

Introduction to Student Loan Debt, with
Information on Important Related Subjects

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Available at: http://works.bepress.com/richard_serlin/15

Introduction to Student Loan Debt
With Information on Important Related Subjects
By Richard Serlin

Student loan debt has become an extremely important issue in recent years. There are several key reasons for this. First, the amount of student loan debt taken on has skyrocketed to unprecedented levels. At public universities the percentage of students graduating with over $40,000 in student loan debt increased 18 fold between 1993 and
2004 – even using constant, inflation adjusted, dollars. In 1993 only 0.3% of all graduating seniors had student debt of greater than $40,000 (in 2004 dollars). By 2004
5.4% did.
One-fourth of all public university graduating seniors in 2004 had student loan debt greater than $22,821. Half had student loan debt greater than $15,471. Median student loan debt increased by 108% between 1993 and 2004, and even adjusting for inflation it increased by 58%. Those obtaining graduate degrees can finish with over $100,000 in student loans.
This debt is especially serious given that it is virtually impossible to discharge in bankruptcy. It would take a tragedy akin to being full body paralyzed in an accident to get it discharged under the current rules. On top of this, people must often cope with these unprecedented student debt loads after graduating with deep and dangerous credit card debt.
As you have read, the job market today is far less secure, and the social safety net is substantially diminished. So adding unheard of student debt loads to the mix has caused very serious problems for the young and middle aged today. For those…...

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