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student debt
Student debt is a form of debt that is owed by an attending, withdrawn or graduated student to a lending institution. The lending is often of a student loan, but debts may be owed to the school if the student has dropped classes and withdrawn from the school. Withdrawing from a school, especially if a low- or no-income student has withdrawn with a failing grade, could deprive the student of the ability of further attendance by disqualifying the student of necessary financial aid. Student loans also differ in many countries in the strict laws regulating renegotiating and bankruptcy. Due payments may be a retroactive penalty for services rendered by the school to the individual, including room and board.
As with most other types of debt, student debt may be considered defaulted after a given period of non-response to requests by the school and/or the lender for information, payment or negotiation. At that point, the debt is turned over to a Student Loan Guarantor or a collection agency.
==History==
Many factors are accountable for the drastic increase of student debt. The growing problem of student debt has become more prominent in the past decade, inspiring numerous documentaries that examine the causes and effects. ''The Fallen American Dream'', is a documentary on America’s challenges with college affordability and its declining job market during a time of national crisis and global change.〔http://www.thefallenamericandream.com〕 One factor is due to the new guidelines developed by the federal government. There are now new rules deciding who can borrow, as well as how much debt they can take on.〔http://www.insidehighered.com/news/2006/07/06/debt〕 Colleges and universities have been increasing the costs for students to attend their respective schools subsequently increasing the amount of debt these students take on as student loans. Reports have shown that borrowers who finished college in the early 1990s were able to maintain managing their student loans without an enormous burden.〔 The average debt has increased 58% since over the past seven years. It has risen from $17,233 in 2005 to $27,253 in the United States. Some blame the economy for the debt increases, but in the same 7-year period credit card debt and auto debt have decreased.〔 According to the Student Debt Crisis, within the past three decades the cost of attaining a college degree has drastically increased by more than 1,000 percent.〔http://www.americanprogress.org/issues/higher-education/report/2012/10/25/42905/the-student-debt-crisis/〕 If student debt had stayed constant with inflation since 1992, graduates would not be facing such burdens by student loans.〔
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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