Not many are lucky to have paid all their debt by the time they graduate. Colleges and universities have given students the ability to work around the campus in order to pay for their education. Although this seems like a positive effect to help students pay and try to minimize debt, work is bound to get in the way of education. As students worry about having money in their pockets and scavenge any type of job they can find in or around the campus, they put aside their studies and their capability to perform in class is diminished. In his article, Hoover is able to capture a statement made by Ashley Dawson, an English professor at the College of Staten Island, regarding how work affects students ability to work in class and colleges maintaining high educational standards, “As the rally was winding down, Ashley Dawson, an English professor at the College of Staten Island, read from a pledge that asks faculty members to support students who refuse to pay their loans. Debt, he told the crowd, limits what’s possible in the classroom.
“When students are working one or two jobs, it affects the kind of assignments you can give them,” he said. “We want to maintain the highest educational standards, but it just gets harder and harder.”” (Hoover p. 2) Although there are those who don’t or are unable to pay for their loans, there are those like Jill McCusker, mentioned in “A Life Time of Debt? Not likely”, who belongs to a group labeled as silent majority who “are repaying their student loans without much complaint” (Wilson 259). Although this silent majority may be of a group who are lucky enough to be paying their loans, there is a greater majority who are unable to pay for their loans. In this article, the author examines the issue of student debt. Despite tales of gargantuan student debt burdens for some college graduates, studies show that most students borrow sensibly, pay it back, and are better off for having gone to college. But for a vocal minority of borrowers, problems with student-loan debt are very real. About 8 percent of undergraduates borrow at least double the national average. More often, the problem among students who go heavily into debt is that they are determined to attend their dream college, no matter the cost. High student-loan debt “can ruin someone for life.” Many borrowers who find themselves in trouble use options under the federal loan program that allow them to postpone repayments on their loans for years. The problem is that because interest keeps racking up during such a deferment and after a default, the amount a borrower owes can soar. It is not that difficult for borrowers to find themselves in trouble. People lose control of their finances, and sometimes they make choices one wishes they hadn’t made. Overborrowing for college isn’t much different than overborrowing for a home. People live outside their means. But that doesn’t describe most college graduates. In spite of all the hysterical extremes, there are a lot of people in the middle who are making things work. They are graduating from college with $20,000 in debt, they are going to graduate school, getting jobs, and buying homes within their means