The Student Loan Debt Crisis - 1247 Words

The Student Loan Debt Crisis Student loan debt has overtime become an unpleasant part of life for millions of Americans and especially borrowers. It is possible to identify the types of people who went through college and borrowed financial loans from those that went through college and did not go to college or those that went but did not borrow. The debt crisis directly affects the families of the borrowers, those with high debt burdens and advanced degrees. Despite the increased length in loan payment, the average monthly payment has barely increased (Hansend, 2010) .This essay focuses on the problem of student loan debt and offers a number of viable solutions towards the subject. The emphasis in addressing the issue intendeds to suggest policies that focus on the immediate needs of the students According to the report on Household Debt and Credit Developments released by New York Federal Reserve Bank, trouble seems to have been brewing for students. America owes nearly US $ 1.2 trillion, which is more than three times the amount of debt a decade ago (Roots,2012).The increase in amount of debt is partly as a result of increased student attendance in college whiles the other part maybe due to the borrower who is the individual student, holding more debt (Roots,2012). The department of Education in New York has released a nationally representative data showing that college senior students took loans between the academic years 2007-2008 and 2011-2012, have a median debtShow MoreRelatedThe Student Loan Debt Crisis1873 Words   |  8 Pagesguaranteed employment, financial stability, and an indicator of success, has been declared in jeopardy. Topping the credit card debt and many household debts, the student loan debt has been pronounced the next potential financial disaster in t he U.S. With 2014’s numbers currently exceeding $1.2 trillion, the debt figures have reached about twice of 2007’s remaining debt (Akers, 2014). Gone are the days when a parent could send a child to the state university to study their interests and finish offRead MoreStudent Loan Debt Is A Financial Crisis1700 Words   |  7 Pagesincreases the pile of debt students may graduate with gets bigger and bigger. This problem is America’s next sizeable financial crisis, but this crisis however is avoidable. Student loan debt is a financial bubble waiting to blow up just as the housing market collapse did in 2007, which the country is only just now starting to see signs of recovery from. The cost of a four-year degree has seen increases that surpass inflation and health care costs. Likewise, the amount of student loan debt is now greaterRead MoreStudent Loan Debt Crisis Essay1214 Words   |  5 PagesStudent Loan Debt Crisis What do you think of when you hear the words college graduate? Well, in most scenarios, these words would be exciting to someone that just graduated college who have put in years of hard work and dedication to better educate and promote themselves for their future careers. Sadly enough, this is too far common not the case. In today’s society, students are graduating college with piles of debt at an alarming rate. With a troubled economy that is recovering from a recessionRead MoreShould Student Loan Debt Be A National Crisis?865 Words   |  4 PagesAlthough many people are considering student loan debt to be a national crisis, we must understand the reality behind it. Unfortunately not everyone is fortunate enough to make it through college without accumulating debt. In Robin Wilson’s essay, â€Å"A Lifetime of Student Debt? Not Likely†, she makes a compelling argument that shows how students get involved with really high debt. She claims, â€Å"†¦the pr oblem among students who go heavily into debt is that they are determined to attend their dream collegeRead MoreStudent Loan Debt Is The Biggest Economic Crisis Or Threat?1755 Words   |  8 PagesBureau, student loan debt has reached a new milestone, crossing the $1.2 trillion mark — $1 trillion of that in federal student loan debt. Since 1993, the trend keeps getting higher and higher every year. Student loan debts has been showing a crippling effect on the economy as the debt gets deeper. Student loan debt is known to be the biggest economic crisis or threat. Although you might have not have any student loans, his huge debt could still impact your financial well being. This debt of studentRead MoreHow The Student Loan Debt Crisis Is Undermining Economic And Social Progress Of American Graduates1635 Words   |  7 PagesHow the Student Loan Debt Crisis Is Undermining the Economic and Social progress of American Graduates Currently, higher education is highly valued as a step in achieving success and earnings potential, but attaining a degree comes at a high cost. Although a very valued asset, the cost to attain a college degree for most students includes getting loans, grants from the government, and sometimes even private loans. Most of these loans come at a high price for students as the interest structure forRead MoreStudent Loan Crisis Is A Crisis870 Words   |  4 Pagesthousand dollars in student loans. (Johnson, â€Å"Student Loans†) There is currently a debate about whether or not student loans are a crisis or if this crisis is just a myth. In the article, â€Å"Here’s Your Crisis: Student Loan Debt Isn’t A Myth,† it describes how student loans are a huge crisis, and the article, â€Å"The Myth of the Student Loan Crisis† is about how college students’ loans do not amount to a crisis. The student loan crisis is a legitimate problem, not a myth. College students do not realize theRead MoreStudent Loans For Education Equal Success997 Words   |  4 PagesStudent Loans Assisting For Education Equal Success After reading the articles on, â€Å"The Myth of the Student Loan Crisis† it was stated that student loans are the crisis because of the hundred dollars worth of debt. The second article, â€Å"Here’s Your Crisis: Student Loans Debt Isn’t a Myth† explains that student loan crisis is not a myth but the fear of debts are preventing students from attending college. These articles provided information to prove my beliefs that the government has a responsibilityRead MoreStudent Loan Debt Is A Burden1467 Words   |  6 PagesHave you ever heard of debt? Most people in today’s society have, but what about student loan debt? For too many Americans, student loan debt is a burden; there may be too much interest, not enough income, and a struggle to handle previous bills while staying on time with college payments. According to the Consumer Finance Protection Bureau in the United States, the total amount of student debt amounts to over $1 trillion. In the art icle â€Å"Here’s Your Crisis: Student Loan Debt Isn’t a Myth† (2013) ChrisRead MoreThe Financial Crisis Of 20081326 Words   |  6 Pagesslowly incorporating direct federal loans but still keeping guarantees in place for the banks. After the financial crisis of 2008, President Obama completely eliminated the middleman and fully implemented direct student loans (Kingkade). Although this stopped large banks from profiting off of government backed loans, it still didn’t reduce the supply of loans or the ease of obtaining them. Availability of Credit As tuition has been on the steady rise, student debt to finance the education has been

Medication Errors in Clinical Settings - Detection and...

Introduction Medications are used as one of the interventional strategies in the prevention and management of various ailments. Although medications are useful to patients, when used inappropriately, they are not only harmful to patients but also impair the reputation of physicians. Medication Errors (MEs) are known to occur in the healthcare setting. According to National Coordination Council for Medication Error Reporting and Prevention (NCCMERP) medication errors are defined as â€Å"Any preventable event that may cause or lead to inappropriate medication use or patient harm while the medication is in the control of a healthcare professional, patient or consumer†. Medication errors occur when a healthcare professional performs an act that†¦show more content†¦Worldwide billions of dollars are being spent in managing the medication errors. It is reported that MEs cost Americans $37.6 billion each year and about $17 billion is associated with preventable errors. In India, there are very few published studies relating to medication errors. Several well designed and planned studies related to medication errors are required to be conducted in India to understand the depth of the problems and to develop strategies to overcome such problems in the future. This is important in the pretext of several reasons including (i) India is a country with large population with high percentage of illiteracy (ii) No nationwide system exist to document the prescribing and dispensing practices (iii) No system to report and monitor errors and hazardous situation (iv) No mandatory system for the accreditation and monitoring of the hospital (v) Flaws in the healthcare system including inadequate facilities. Moreover, India lacks many of the resources that are available in developed countries like computerised physician order entry system, bar code based medicine administration system, Unit dose dispensing etc. All these issues make the practice settings more vulnerable to commit medication related injuries. Levels and types of medications errors In the healthcare settings, medication errors do occur at various levels. It may be prescription centred, dispensing cantered and /or administration cantered (nurse /patientShow MoreRelatedParental Monitoring Of Blood Glucose1443 Words   |  6 Pagestype 2 diabetes. The invention of Glucose Meter has changed the diabetes care by enabling patients to monitor their blood glucose level according to their diet, medications and activity. control of glycaemia within the established recommended values is a major therapeutic goal for diabetic patients both in the hospital and outpatient setting. Using of self monitoring of blood glucose 9SMBG0 devices will help diabetic patients detect, prevent or manage of hypo- and hyper glycemic episodes. This reportRead MoreRelationship between Healthcare and Information Technology5035 Words   |  20 Pagesinformation technology for better communication and efficiency. The purpose of including technology in clinical nursing is to provide better facil ities to patients, which is cost effective. Medical Health Institute surveys regarding the usage of EHR in Canada and USA, indicate that information technology is primarily used by nurses and physicians to improve workflow efficiency, quicken clinical processes, and improve patient care. The major hindrance in implementing such infrastructure is the lackRead MoreCompetencies Between Nurses Prepared At The Associate Degree Level Versus Baccalaureate Degrees Level Essay1438 Words   |  6 Pagesbaccuralate dgree provide nurses with critical skills for complex patients , good communication and leadership skills. Quality patient care hinges on having a well educated nursing workforce. Research has shown that lower mortality rates, fewer medication errors, and positive outcomes are all linked to nurses prepared at the baccalaureate and graduate degree levels. One of the study published in the October 2014 issue of Medical Care, researcher Olga Yakusheva from the University of Michigan andRead MoreThe Electronic Medical Records ( Emr )1366 Words   |  6 Pagesinformation field where clinical, demographic, and management information is entered in a electronic record. EMR information can be accessed such as patient history, billing or insurance data, allergies, immunizations, medications, orders, laboratory tests, diagnostic results, and images with just pushing a few keystrokes. It is an application technology that has enormous potential to enhance the efficiency and effectiveness of health care through decreased medical errors, increased preventativeRead MoreEssay Computerized Management in Healthcare3755 Words   |  16 PagesComputerized Management in Healthcare Western Governors University Nursing Informatics NUT 1 August 22, 2012 Computerized Management in Healthcare In the past, physicians and healthcare organizations have been slow to embrace the advantages of using information technology but this is gradually changing. In the July 2012 National Center for Health Statistics (NCHS) data brief, NCHS stated that by 2011, 55% of physicians had adopted an electronic health record (Jamoom et al., 2012). TheRead MoreManaging Multiple Morbidities On Older People3276 Words   |  14 Pagescomplex conditions due to the interactions between conditions and higher risks associated with polypharmacy. Clinical trials tend to exclude older people with multiple morbidities which generates difficulty when it comes to managing their conditions. Furthermore, clinical practice guidelines generally are not age-specific in nature nor do they focus on the complexity of medicines in older adults who are multi morbid. Self-management of conditions is a very important aspect when managing older peopleRead MoreObesity Is An Increasing Problem All Over The World And Its Prevalence1379 Words   |  6 Pagesmass index (BMI) of 30kg/m2 or more.1 It was reported that the proportion of obesity in surgical patients is greater than general population.2 This means that anesthesiologists are going to deal with increased number of obese patients whose airway management is one of their own responsibilities. Endotracheal intubation is more difficult in obese than in lean patients.3 Difficult tracheal intubation is defined by the American Society of Anesthesiologists (ASA) as tracheal intubation requiring multipleRead MoreRTT2 Organizational Systems3992 Words   |  16 Pagesï » ¿RTT Task Two: Case Study Western Governors University Sentinel Event Case Study Human interaction between individuals and systems does not occur in a vacuum, rather it occurs in a dynamic and multidimensional setting. From a structural and procedural system performance perspective, the nursing care environment â€Å"is perfectly designed to get the results it gets† (LLoyd, Murray, Provost, 2015). When mistakes happen in healthcare, all Joint Commission accredited healthcare organizations are obligatedRead MoreElectronic Case Report Form ( Ecrf )2347 Words   |  10 Pagesrecords can be stored and serve as a case report form of patients in clinical trials (1). eCRF helps individuals access, manage, and share their health information with others who are authorized, in a private, secure, and confidential environment (2). eCRF integrates many different aspects of clinical trials such as data mining, data cleaning, and data capture into one system and contributes greatly in clinical trial management. eCRFs offer an enormous amount of advantages such as improved dataRead MoreRoot Cause Analysis, Change Theory, FMEA, and Nursing Root Cause Analysis (RCA)3232 Words   |  13 Pagesin the system. Based on the case study presented, it would be important to have a nurse present from the unit/department where Nurse J and the LPN work, a respiratory therapist, a doctor that works for this hospital in the same capacity as Dr. T, a risk manager and a member of the quality improvement team. After the team is formed, the first step in the process is to identify what happened. In this particular case study, Mr. B was over sedated, not correctly monitored, was dismissed inappropriately

A Clean, Well-Lighted Place Free Essays

Through his work entitled â€Å"A Clean, Well-Lighted Place,† Hemingway tries to demonstrate how people have different opinions regarding aging and experience, and he does this through the eyes of the two waiters and an old man. Today, a large percentage of people assume things about other individuals they do not know based only on how they look. Hemingway seems to hold the hand of the reader as he expresses why people should have an open mind and make an attempt to look through the eyes of each person because there is so much more to know than just by looking at a person’s physical appearance. We will write a custom essay sample on A Clean, Well-Lighted Place or any similar topic only for you Order Now At the start of our lives when we are not yet fully aware of the things happening in our surroundings, everything seems to be beautiful and innocent. However, by the time we get older, we realize that things are not as easy as they once seemed. Along with the joys and happiness we experience, there is also pain, sadness, and loneliness. This short story is about an old man who sits in a bar a few times a week. He preferred this particular club from the others because it is clean and has a calm ambiance, which relaxes him. He drinks away until two o’clock in the morning and is the last person to leave the bar. On the side are two waiters who serve the old man. One is a young man while the other is a middle-aged waiter. While serving the old man, these two waiters converse and argue about the old man and it is evident that they see the old man in different perspectives due to their age difference. In the beginning of the story, an old, deaf man was described and how he was enjoying the bar and getting drunk almost every night. He feels comfortable in the bar because it is calm, clean, well-lighted, and quiet unlike the other bars in the area. He stays here until the wee hours of the morning and it can be seen that he does not fit well into the society at the time because he is well over his time already. It was mentioned that â€Å"last week, he tried to commit suicide† (Kennedy Gioia 148). This gives the reader the impression that the man was in despair even though he is well-endowed in terms of financial resources. The young waiter was in a rush to close the bar an hour earlier because there was only one customer, the old man, who was present at that time. The young waiter also wanted to go home early because his wife was waiting for him at home. It is shown that he disrespects the old man by throwing the old man out of the bar insisting that they were already closing. The younger waiter seems to be flat and static. He is somewhat intolerant and self-centered for he has his own social life and does not depend on the bar to seek refuge. He does not understand what the old man was feeling and why he spends his time in the bar drinking the night away. The fact that he is young and has very limited experience in life contributes to this attitude. He has no idea that the old man has spent his life and believes that he has no use to anyone because of his age, which is why he tried to commit suicide. He is lonely and loneliness is very hard to cure, especially when people around you do not understand what you are going through, just like the old man in the story. The young waiter also sees the loneliness and despair of the old man as largely a fault of his own because the old man chooses to see the darkness instead of the light. The young man feels that the old man dwells in his misery too much and that there are better things to do than sit inside a bar and drink. He yelled at the old man saying â€Å"you should have killed yourself last week† (Kennedy Gioia 148). He treats the old man like an obstacle as if the old man was slowing down the young man’s life. The older waiter, on the other hand, shows a different attitude towards the situation, and this might be because of his age. He is more sensitive to the old man because he knows what it is like to be old and lonely. This waiter says â€Å"I am one of those who like to stay late at the cafe with all those who do not want to go to bed† (Kennedy Gioia 150). He knows what it is like to go home at night without anything or anyone to expect and how it is better to spend the night in a bar instead of experiencing the loneliness that the night can bring. He knows that the bar is a very nice and clean place for people at night, especially the older ones. He says â€Å"each night, I am reluctant to close up because there may be someone who needs the cafe† (Kennedy Gioia 150). He is not only referring to the old man but to himself as well. Personally, I think that this is why he most likely works at the bar at night himself. Just like the old man, he does not want to be alone at night. He is becoming older as time goes on and he also has an insomnia, which makes it hard for him to sleep at night. How to cite A Clean, Well-Lighted Place, Papers

Italy free essay sample

The music of Italy ranges across a broad spectrum of opera and Instrumental classical music and a body of popular music drawn from both native and Imported sources. Music has traditionally been one of the cultural markers of Italian national and ethnic identity and holds an important position in society and in politics. Instrumental and vocal classical music is an iconic part of Italian identity, spanning experimental art music and international fusions to symphonic music and opera. Opera is integral to Italian musical culture, and has become a major segment of popular music.The Neapolitan song, cannoned Napoleon, and the contractor singer- songwriter traditions are also popular domestic styles that form an important part of the Italian music industry, alongside imported genres Like jazz, rock and hip hop. Italian folk music Is an Important part of the countrys musical heritage, and spans a diverse array of regional styles, instruments and dances. We will write a custom essay sample on Italy or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Http://www. Lafayette. Com/ music I would delve Italian popular music Into four different categories (that overlap to some extent). Melodic music Italian Rock Singer-songwriters (Known as contractor )Their own styles http://www. Quintessential. Co. Articles/Italy/Laotian-Culture-Guide-Music-in-loyalty/295 Italy is the home of opera music. Opera music was created In Italy in the 17th century by Italian music composer Claudio Monteverdi. He wrote his first opera In 1607 named LOreal which was composed to commemorate the annual festival of Mantra. Since then opera music has become an Institution In the world of Italian music and widely appreciated around the world. Italy has produced a consistent stream of some of the worlds best opera singers, conductors and composers up to the present day.The most prevalent form of popular music in Italy during the past few decades has been rock music. Although no Italian rock music bands have ever had much success in the English speaking countries, there are several very popular Italian rock music bands inside Italy. Popular 1 sass rock singers and songwriters include Giant Annie, Coherer and Vases Rossi. There has also been quite a significant punk music scene in Italy since the sasss and there even seems to be a resurgent new punk music scene developing in Italy today. Popular music In Italy often takes Its cues from the USA and this appears to be how rap music has developed in Italy.There Is today a significant rap music scene In Italy with accompanying fashions and lifestyles that mirror those of rap musicians In America. While the beats of Italian rap music may seem to be a close copy of rap music in the US, the lyrics often found in Italian produced a few very significant names in the world of classical music over the past few hundred years. One of Italys major contributors to classical music is Antonio Vivaldi who is the musical composer widely credited as having created concerto music. This music which has its roots in 17th century Italy, is best characterized by its highly complex and intricate melodies. Http://www. ]staidly. Org/Italy/Italy- architecture. Asp Italian architecture has a wide and diverse number of styles which have evolved through the political, cultural and economical changes from ancient times. And now amazes people from every corner of the world, places such as The Tower of Pisa, The Coliseum, The Circus and more are part of the architecture of the country once considered as the capital of culture Classical: The Classical architecture comes from Greeks, who influenced The Roman Empire; they began to construct buildings using strict mathematical principles.The Classical Style had two periods: Greek characterized by the use of Doric columns; Hellenic characterized by the use of Ionic columns the period finished when Greece was conquered by the Roman Empire; Roman used the styles mentioned before but added more ornamentation, and invented concrete. After the Classical style, the Neoclassical Style, which influenced in construction worldwide due to the ideas that were scattered in publication, takes place.Early Medieval: Style developed after the fall of the Roman Empire, influenced by Byzantine Style and characterized by the building of Churches with round arches not only in principal cities but in villages around the country. Gothic: The difference with Early Medieval Style is the use of pointed arches instead of the round ones; the use of more elaborated Sculptures such as Gargoyles, more and bigger windows, and other influences from Moorish architecture.Renaissance: Italian architects looked for new ideas and discovered some principles that helped them construct buildings with symmetrical arrangements, use of columns and pilasters, domes, niches with sculptures and painting in the ceiling of Chapels, the most famous in SST. Pewters Basilica by the famous Italian painter Michelangelo Buoyant. Baroque: Commonly known as Bizarre, because is one of the most extravagant styles, which elements had been spread around the world; in Italy the cause of this style was the aim of Popes to give special ornamentation to Churches and express holy splendor; and it influenced non-Christian buildings also. Ancient buildings in the whole of Italy are related to one of these styles, with famous artists such as Andrea Palladian, Giaconda Avignon, Michelangelo Buoyant, Ghetto did Bonded, Raphael Sansei, Fillips Brucellosis and others.