New economic study 'demolishes'关于学生债务的神话
社会科学研究组织Ja那教家庭研究所(Jain Family Institute)最新的年度学生债务报告于周四发布,这掩盖了本周早些时候总统乔·拜登的说法 说 他不会取消每个借款人的50,000美元的联邦学生贷款债务,这样的举动将使参加私立精英大学的人们受益匪浅。 学生债务和年轻美国 该报告由JFI的Laura Beamer和Eduard Nilaj撰写,首先指出年轻人“学生债务过多”。
他们写道:“这场危机是政府用于高等教育的资金减少,工资停滞,财富不平等以及对获得高资格证书的误导性强调的最终结果,所有这些都导致了大学价格和以后收入之间的财政差距。”
<p>"In 2020, aggregate balances reached $1.66 trillion in 2019 dollars, 122% higher in real dollars than in 2010," the authors continue. "Not surprisingly, the number of borrowers, the amount they owe, and the number of loans each borrower acquires, have all increased over the time period. In 2019, 18-35 year-olds with student loan debt owed nearly $35,000 on average compared to just over $28,000... in 2009. Back in 2009 there were only 32 million federal borrowers; in 2019, that number swelled to 43 million."</p> <iframe src="//platform.twitter.com/embed/Tweet.html?creatorScreenName=commondreams&creatorUserId=14296273&dnt=false&embedId=twitter-widget-0&frame=false&hideCard=false&hideThread=false&id=1362484096421691393&lang=en&origin=https%3A%2F%2Fwww.commondreams.org%2Fnews%2F2021%2F02%2F18%2Fnew-economic-study-demolishes-myth-about-student-debt-parroted-joe-biden&siteScreenName=commondreams&siteUserId=14296273&theme=light&widgetsVersion=889aa01%3A1612811843556&width=550px" style="position: static; visibility: visible; width: 550px; height: 540px; flex-grow: 1;" title="Twitter Tweet"></iframe> <p>The study notes marked racial disparities in student debt, with Black people suffering both the largest increase over time and the highest median amount owed in 2019, at $20,236. Asian students experienced the worst debt inequality in 2019. Although their median debt was $18,548 that year, their average debt balance was $38,860. </p><p>Critically, the study finds:</p> <blockquote>Because low- and lower-middle income communities see the worst debt-to-income ratios, they would see the largest portion of their income freed up through student debt forgiveness. Young adult borrowers in low- and lower-middle income communities would receive an outsized share of forgiveness in aggregate dollars compared to middle- and upper-income communities.<br/> </blockquote> <p>This flies in the face of the implications of Biden's remarks at a <em>CNN</em> <a href="//www.cnn.com/politics/live-news/joe-biden-town-hall-02-16-21/index.html" target="_blank">town hall</a> Tuesday evening in Milwaukee, where the president said he doesn't want to forgive "billions of dollars of debt for people who have gone to Harvard and Yale and Penn" instead of using "that money to provide money for early education for young children who... come from disadvantaged circumstances."</p><p>Rep. Alexandria Ocasio-Cortez (D-N.Y.), an <a href="//www.commondreams.org/news/2021/01/21/now-lets-cancel-them-demands-aoc-biden-extends-pause-student-loan-payments" rel="noopener noreferrer" target="_blank">outspoken proponent</a> of student debt forgiveness, rebutted Biden's assertion by asking "who cares what school someone went to?"</p><p>"The case against student loan forgiveness is looking shakier by the day... We can and should do it. Keep pushing!"<br/>—Rep. Alexandria Ocasio-Cortez</p><p>"Entire generations of working-class kids were encouraged to go into more debt under the guise of elitism. This is wrong," Ocasio-Cortez <a href="//twitter.com/AOC/status/1361910873380519937" rel="noopener noreferrer" target="_blank">tweeted</a> late Tuesday. "The case against student loan forgiveness is looking shakier by the day... We can and should do it. Keep pushing!"</p><p>Speaking of the freshly published JFI study, Beamer on Thursday tweeted that she was "waiting until this report came out to address the ridiculous 'Harvard, Yale, and Penn' comment" from Biden, calling it "a myth" that borrowers attending elite schools "would overwhelmingly benefit from forgiveness compared to their peers elsewhere." </p> <iframe src="//platform.twitter.com/embed/Tweet.html?creatorScreenName=commondreams&creatorUserId=14296273&dnt=false&embedId=twitter-widget-1&frame=false&hideCard=false&hideThread=false&id=1362482820329967617&lang=en&origin=https%3A%2F%2Fwww.commondreams.org%2Fnews%2F2021%2F02%2F18%2Fnew-economic-study-demolishes-myth-about-student-debt-parroted-joe-biden&siteScreenName=commondreams&siteUserId=14296273&theme=light&widgetsVersion=889aa01%3A1612811843556&width=550px" style="position: static; visibility: visible; width: 550px; height: 465px; flex-grow: 1;" title="Twitter Tweet"></iframe> <p>Other progressive politicians and advocates also pushed back on Biden's remarks. Rep. Ayanna Pressley (D-Mass.) <a href="//www.commondreams.org/news/2021/02/17/biden-can-and-must-go-big-say-progressives-urging-president-cancelstudentdebt" rel="noopener noreferrer" target="_blank">affirmed</a> that the president could cancel student debt "with the stroke of a pen." Americans for Financial Reform, which has <a href="//www.commondreams.org/news/2020/11/19/nearly-20-dozen-groups-demand-biden-cancel-all-federal-student-debt-day-one" rel="noopener noreferrer" target="_blank">led</a> demands for Biden to cancel $50,000 of student debt per borrower through executive action, on Wednesday decried Biden's proposed $10,000 per person debt relief as inadequate.</p><p>"Far more than $10,000 in cancellation is required," the group said, "to provide aid that 44 million families and the economy need."</p>
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