Running head: ANNOTATED BIBLIOGRAPHY 1

Annotated Bibliography

Roberto Rubio

The University of Texas at El Paso

RWS 1301

Dr. Vierra

October 24, 2018

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Abstract
This paper has no abstract
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Research Questions

1: How has school tuitions and fees changed?

2: Have tuition and fees changed in a good or bad way?

3: Is student loan debt a serious problem?

4: How to get rid of student loan debt.

5: why are student loans the biggest debt in the US.

Literature Review
Akers, B., & Chingos, M. M. (2016). Increased student loan debt is not a big problem. In

N. Merino (Ed.), Student loans (pp. 17-24). Farmington Hills, MI: Greenhaven. Retrieved

from http://0-

link.galegroup.com.lib.utep.edu/apps/doc/CX3638500010/GVRL?u=txshracd2603&sid=GVRL&xid

=c6121dd4

Aker and Michael show us an opposing view of the claim that I’m addressing (2016). The

claim that I’m addressing is that student loans are putting students in debt for life and it’s one of

society’s biggest problems, which is why on earth is school so expensive? They think increase

student loan is not a big problem (p.1). Why? Because they say that what they end up making in

the future because of their degree that it will outweigh all other expenses including the loan (p.2,

3). Think about this though how many students actually graduate? Not all of them especially not

the ones with weak will.

Marthers, P. (2009). There are reasons for high college tuition. In J. Langwith (Ed.), College (pp.

98-106). Detroit: Greenhaven Press. Retrieved from http://0-

link.galegroup.com.lib.utep.edu/apps/doc/CX3283800023/GVRL?u=txshracd2603&sid=GVRL&xid=762a

506e

According to Mathers there are reasons behind why college is so expensive, he explains to us

differently than Akers did on his opposing viewpoint.(pg. 9) Mather’s says that we are judging a book
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by it’s cover basically. He knows the universities inside and out which is why he thinks that they do

needs to be expensive. A good example is that he tell us that colleges have to tell us their stories, not

on why the tuition is so high but so we can understand that there are risks that colleges take and the

tuition that we pay for is nothing compared to those risks the universities are taking. For example in

(pg. 104) he says that the product costs more than twice as much as what they produce. Which makes

it logic because we do know that his ethos is right because the university costs millions of dollars while

we are only being charged thousands.

Payne, G. L. (Ed.). (2016). Repayment of student loans: federal plans and forgiveness options

and issues for older americans. Retrieved from https://ebookcentral.proquest.com

The monograph is chose is an e-book I saw at the UTEP libraries website, the name of the book

is, Repayment of Student Loans: Federal Plans and Forgiveness Options and Issues for Older Americans

and since it’s a monograph it has one author who goes by George L. Payne(pg.1). This book goes into

statistics on how much debt student’s in college have which in my opinion is crazy on why they give

loans if the U.S is already in debt. Four years ago the debt for student loans exceeded 1 trillion dollars,

and Imagine how much higher it is 4 years later. This book explains too us on how you can be eligible,

repay your loan, and be credible for the public loan forgiveness.(pg.10) George L. Payne persuades you

with ethos in this book but he also uses logic too catch your sense.

For my anthology I used a book that has the most trusted references which is the U.S

government.(pg.17) The general accounting office, health, education and human services division,

which all should be trusted citations. They give us statistics on how tuition and fees have gone up from

the year 1995-2000 and how they affect a median household which is often an average American with

average income. These statistics are great for the reader because most of us can relate to them, I mean

not everyone is rich most of the time if you’re going to college you are likely not making below average

as an American(pg.18). So, when I said that we can relate to them I meant that you could compare

their statistics to yours and from there you will see how accurate the government is.
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Leslie and Brinkman explain to us how much tuition has gone up since the year 1980 they

give us a statistical chart which shows how much tuition increased in the last 30 years , from being

free to basically one of the world’s biggest expense. It contradicts itself, because to make good

money you have to waste good money. Most people don’t even end up making enough money to

get rid of their problem. As Leslie explained, college debt, even though it’s in the trillions isn’t a big

problem.

Heller, D. E. (1999). The effects of tuition and state financial aid on public college

enrollment. The Review of Higher Education, 23(1), 65-89.

Conclusion
All of our annotated bibliographies reflections answer most if not all of our research questions.

We learned that student loans aren’t that much of a problem according to Akers but there are a lot of

other people saying the contrary. For example they say that whatever degree they’re studying it will

outweigh their loan sooner than later. If think how many people actually end up finishing and moving

forward from school the numbers aren’t that great. Why? Because emotions kick in and humans are

usually weak minded.

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References
Akers, B., & Chingos, M. M. (2016). Increased student loan debt is not a big problem. In N.

Merino (Ed.), Student loans (pp. 17-24). Farmington Hills, MI: Greenhaven. Retrieved

from http://0-

link.galegroup.com.lib.utep.edu/apps/doc/CX3638500010/GVRL?u=txshracd2603&sid=GVRL&xid

=c6121dd4

Marthers, P. (2009). There are reasons for high college tuition. In J. Langwith (Ed.), College (pp. 98-

106). Detroit: Greenhaven Press. Retrieved from http://0-

link.galegroup.com.lib.utep.edu/apps/doc/CX3283800023/GVRL?u=txshracd2603&sid=GVRL&xid=762a

506e

Payne, G. L. (Ed.). (2016). Repayment of student loans: federal plans and forgiveness options and

issues for older americans. Retrieved from https://ebookcentral.proquest.com

Heller, D. E. (1999). The effects of tuition and state financial aid on public college

enrollment. The Review of Higher Education, 23(1), 65-89.