Showing posts with label student loan debt. Show all posts
Showing posts with label student loan debt. Show all posts

Monday, September 25, 2023

Art Institutes Close. Students May Be Eligible for Student Loan Forgiveness.

The Art Institutes (Ai) is closing its doors this Friday, September 30. Ai has locations in Miami and Tampa (FL), Atlanta (GA), Austin and Houston (TX), and Virginia Beach (VA). About 2000 students are affected.  The Art Institutes website provides closed school information.


The Art Institutes chain had a storied history, starting in Pittsburgh, Pennsylvania in 1921 and growing to 50 locations by 2010. Its boom was the result of intensive profit-making in the higher education business in the 1990s and early 2000s. Goldman Sachs was a key contributor to its explosive growth.

Ai's decade-long decline was part of a wave of for-profit colleges that faced increased federal scrutiny for low graduation rates, high levels of student loan debt, and declining enrollment. Unlike Corinthian Colleges (2015), ITT Tech (2016), Westwood College (2016), and Virginia College (2018), the Art Institutes survived with government assistance--but with less than ten campuses. 

Art Institute Students 

Students from the Art Institutes may transfer to other schools, but many of their credits may not be accepted by other institutions. Consumers should also be extremely wary of the schools they plan transferring to.  

Students would normally be allowed to have their student loans forgiven through a process called Closed School Discharge. But that avenue for remedy has been paused. Present and former students, however, may be able to have their student loan debt relieved through Borrower Defense to Repayment if they can prove that they were defrauded. 

Borrower Defense-Sweet vs Cardona is a Facebook space for people who have already succeeded in getting their student loan money returned to them and others working on claims. Borrower Defense-Sweet vs Cardona has more than 14,000 members. 

Monday, September 11, 2023

Student Loan Repayments Have Restarted (New Jersey Citizen Action)

Earlier this summer the Supreme Court had denied President Biden the option to cancel $10K - $20K of federal student loan debt. As a result, the COVID-19 student loan payment pause ended on August 31, 2023. Student loan interest will have resumed starting 9/1/23 and payments will be due starting in October. 

Fortunately, the White House just released the SAVE plan, an affordable plan to lower monthly payment for millions of borrowers.

Borrowers should go to StudentAid.gov/save to learn more and get started on their application. Read more about the SAVE plan in this fact sheet.

Borrowers will start receiving bills in September and payments will be due in October 2023. Please feel free to share the Borrower Checklist and/or the summary below:

o Set up your account on StudentAid.gov

o Review loan forgiveness options—if you have FFEL program loans, consolidate.

o Update your contact information with your student loan servicer (Loan Servicer Contact Information)

o Enroll in SAVE plan (verbal enrollment available for 6 months)

o Enroll in auto-pay


Here are additional links for borrowers:For borrowers who were in repayment before and are going to resume payments
For borrowers who haven’t made a payment before
For information about the new income-driven repayment plan
Register & save the date for the U.S. Department of Education's Repayment 101: Get Help with Your Federal Student Loans Webinar

Don't delay, get ahead of your student loan repayment!


Beverly Brown Ruggia, Financial Justice Program Director, New Jersey Citizen Action

Wednesday, September 6, 2023

Student Loans and a Brutal Lifetime of Debt (Dahn Shaulis and Glen McGhee)

The US Department of Education is holding more than 900,000 student loans that are at least 30 years old. Tens of thousands of these loans originated almost a half-century ago. And it's likely that most of the total balances are the result of interest charges that have accumulated over the decades--from people who can't ever pay back their loans.

 
Source: US Department of Education  

Will these student loans finally be forgiven under the latest Biden forgiveness plan?  Or will the US continue to honor (and bail out) the rich while punishing generations of the working class for their mistakes?  

The information in this article is part of a larger effort to examine quality of life, disability, and premature death among student loan debtors. Our most recent Freedom of Information requests to the US Department of Education attempt to gather more information.

23-02758-F  
The Higher Education Inquirer is asking for the age and cause of death of the last 100 student loan debtors whose debt was relieved because of death.  The age and cause of death should be listed on the death certificates sent to the US Department of Education for student loan relief.   (Date Range for Record Search: From 09/09/2022 To 09/09/2023)

23-02747-F  
The Higher Education Inquirer is requesting the number of loans and the dollar amount of loans that have been discharged each year for the last ten years due to (1) death and (2) disability.  If available, we would also like an estimate of the number of debtors affected in that decade.   (Date Range for Record Search: From 09/08/2013 To 09/08/2023)


From Glen McGhee:

A study published in the Journal of American College Health[2] reveals that student loans are associated with negative health outcomes among college students, including delaying medical care. The study found that those with student loans are more likely to delay medical, dental, and mental health care[1]. 
 
Another study published in Health Soc Care Community[4] found that borrowers behind or in collections on student loans are forgoing healthcare after self-reporting general physical ill-health. The study's objective examines whether falling behind on student loans may compound ill-health by deterring people from seeking healthcare. The results of this study confirm that student loans are associated with poor health. 
 
A survey conducted by ELVTR[5] found that 54% of respondents say their mental health struggles are directly related to their student loan debt. Additionally, over 80% of participants say student loan debt has delayed a major life event for them. 
 


Wednesday, August 30, 2023

Student Debt Relief Tool (Debt Collective)

Yesterday, we launched a new tool that files an appeal to the Department of Education to cancel each borrower’s student debt. All of the debt. Automatically. With the flick of a pen. 

This type of tool has never existed before—until we created it and launched it yesterday. In the first 24 hours, more than 5,000 borrowers completed the tool. 

 

If you haven’t filled out the tool yet, do it now so we can keep up our momentum. If you haven’t shared with a buddy or three, please pass it on. We want to reach our goal of twenty thousand applications submitted by Labor Day! 


Fill out the Dispute Tool

Thursday, March 16, 2023

Borrower Defense Claims Surpass 750,000. Consumers Empowered. Subprime Colleges and Programs Threatened.

The Higher Education Inquirer has posted a number of articles about student loan debt. In 2023, the student loan mess has reached epic proportions. Not only has the US Federal Student Aid debt portfolio reached more than $1.6 trillion, we learned that $674 Billion was estimated to be unrecoverable. 

In California, the US District Court in Sweet v Cardona agreed to a $6 Billion settlement between student debtors and the US Department of Education. 

In Texas, a group representing for-profit colleges has sued the US Department of Education for their actions in settling Borrower Defense claims. 

And across the US, about 40 million student debtors and their families are awaiting a decision from the US Supreme Court—a decision that will not likely favor the debtors.

Borrower Defense, Subprime Colleges, Subprime Programs

Borrower Defense to Repayment claims are claims by student loan debtors that their school misled them or engaged in other misconduct in violation of certain state laws. The Department of Education may discharge all or some of the student loan debt and hold the school and its owners responsible. 

As of January 2023, there are more than three quarters of a million Borrower Defense claims against schools. And each month, about 16,000 new claims are added.  Evidence from the Sweet v Cardona case revealed that only about 35 workers were responsible for processing hundreds of thousands of claims. Those claims have been disproportionately made against a number of for-profit colleges and formerly for-profit colleges, what we call “subprime colleges.”   

Some of these subprime schools have closed (Everest College, ITT Tech, and Westwood College for example), some remain in business as for-profit colleges (like University of Phoenix and Colorado Tech), some have changed names and become covert for-profit colleges or robocolleges (like Purdue University Global, University of Arizona Global Campus, and the Art Institutes), and some schools act act like subprime colleges regardless of tax status. This includes low-return on investment programs at several US robocolleges and overly expensive graduate programs offered by 2U, an online program manager for elite colleges.  

In the Sweet v Cardona case, more than 200,000 student borrowers are expecting to receive full debt relief after years of struggling.  A Facebook group Borrower Defense-Sweet vs. Cardona currently has more than 14,000 members. 


Named plaintiffs Theresa Sweet (L) and Alicia Davis (R) outside the federal district court in San Francisco on November 6, 2022, three days before the final approval hearing in Sweet v Cardona (Image credit: Ashley Pizzuti)

Transparency and Accountability 

The US Department of Education keeps an accounting of Borrower Defense claims, but only publishes the aggregate numbers, not institutional numbers. Those institutional numbers do make a difference in promoting transparency and accountability for the largest bad actors. So why does the Department of Education not publish those institutional numbers?
 
The National Student Legal Defense Network submitted a FOIA (22-01683F) to the US Department of Education (ED) in January 2022 asking just for that information. And what HEI has discovered is that just a small number of schools garnered the lion's share of the Borrower Defense claims. To get a digital copy of that information, please email us for a free download.

Related links:

Borrower Defense-Sweet vs Cardona (Facebook private group)  

Project on Predatory Student Lending

Sweet v. Cardona Victory (Matter of Life and Debt podcast)

I Went on Strike to Cancel My Student Debt and Won. Every Debtor Deserves the Same. (Ann Bowers)

An Email of Concern to the People of Arkansas about the University of Phoenix (Tarah Gramza)


The Growth of "RoboColleges" and "Robostudents"


Friday, February 10, 2023

People's Rally for Student Debt Cancellation to be held outside Supreme Court, February 28, 2023

[Update: This event will be livestreamed at https://www.cancelmystudentdebt.org/peoples-rally-livestream

Sign up for the People's Rally for Student Debt Cancellation to be held outside the US Supreme Court, Tuesday morning, February 28, 2023.  And please share this event with people in your network. 

The Supreme Court case involves the constitutionality of President Biden's order to cancel more than $400 billion in student loan debt, that according to the NY Fed would provide a disproportionate amount of relief to low and middle-income families

Supporters of the People's Rally include the Debt Collective, NAACP, National Urban League, American Federation of Teachers, National Education Association, SEIU, the National Consumer Law Center, Young Invincibles, and Move On. Senator Elizabeth Warren will be one of the speakers. 

While there is no substitute for People on the ground, folks can also attend online.  

Before the hearing, the People are invited to use the #CancelItSCOTUS! hashtag and flood Twitter with personal and shared stories of why the cancellation is so vital. Access the toolkit to join the Twitterstorm on 2/28 at 9-11am.

Currently, there are about 45 million Americans carrying student loan debt. Based on our interpretation of the 2022 Financial Student Aid Annual Report, about 40 percent of the federal student loan debt portfolio ($674 Billion of $1.7 Trillion) is unrecoverable.* 

Meanwhile, student loan debt collectors like Maximus receive hundreds of millions of dollars from the US government while sometimes using unethical and predatory business practices. 

Students who attended subprime schools or who had low financial value majors have been hardest hit. And the debt takes its toll on millions of citizens, their families, and their communities--and reduces their opportunities to live the American Dream. 

About 200,000 student debtors who were defrauded by subprime schools are also facing a legal battle in the 9th Circuit Court to have their debt forgiven. Hundreds of thousands more have filed Borrower Defense to Repayment claims and are awaiting for decisions that can take several years, due to  understaffing and an enormous backlog at the US Department of Education.

 

So far, ED has only approved Borrower Defense to Repayment claims from a handful of closed schools, and it appears that victims of fraud from other subprime schools, like the University of Phoenix, have received blanket denials.  


Pushing back against the debtors, Republican lawmakers are calling for mandatory loan repayments to restart.  

Stay tuned to this post for more information.  #strikedebt 

 *We have asked the US Department of Education press team for a comment, but they have not responded, which is often the case.

Related link: I Went on Strike to Cancel My Student Debt and Won. Every Debtor Deserves the Same. (Ann Bowers*) 

Related link: Assessing the Relative Progressivity of the Biden Administration’s Federal Student Loan Forgiveness Proposal (NY Fed)

Related link:  Federal Student Aid FY 2022 Annual Report 

Related link: Sweet v Cardona (Borrower Defense to Repayment) 

Related link: Maximus, Student Loan Debt, and the Poverty Industrial Complex 

Related link: Borrower Defense to Repayment Loan Forgiveness Data





Tuesday, October 18, 2022

I Went on Strike to Cancel My Student Debt and Won. Every Debtor Deserves the Same. (Ann Bowers*)


Image of Ann Bowers, courtesy of the Debt Collective

[Note:  This article originally appeared in In These Times on June 2, 2022.  The Higher Education Inquirer is now working with Ann Bowers and the Debt Collective to restore GI Bill benefits to veterans preyed upon by for-profit colleges.]

This week, former students of Corinthian Colleges — a predatory for-profit school that once boasted more than 100 campuses across the country — received news that their student loans will be canceled. In an announcement, a Department of Education (DOE) press release called the move ​“the largest single loan discharge the Department has made in history.” As a former student of Everest College, which is a branch of Corinthian, I am overjoyed that everyone who attended the scam school will finally be made whole.

The action, announced on June 2, will impact 560,000 former Corinthian students and $5.8 Billion in total student debt will be cancelled. This amounts to a stunning victory for debtors who took collective action to win relief.

But I want to set the record straight. This victory is not the result of the Biden administration’s good will. It is the outcome of a fierce organizing campaign by debtors that has been going on for almost eight years. I should know. I was part of a group of former students that launched a 7-year long student debt strike to win loan cancellation from the federal government.

Now, as President Biden considers cancelling student loan debt more broadly, the outcome for former Corinthian students should send a clear message that the only way to resolve the issue of pernicious student loan debt is to cancel it for everybody and to do so automatically, without making borrowers individually apply.

My involvement started back in 2014 when I read an article that revealed my school was suspected of lying to and defrauding borrowers, many of whom were from low-income families. I was outraged to discover that Corinthian had been under investigation by the U.S. Senate since at least 2010 for breaking the law — all while continuing to receive billions of dollars per year in government funding. Investigators found that Corinthian lied to students about job placement rates, enrolled people who were not prepared for college-level work and offered a sub-par education. The college also provided falsified placement information to accrediting agencies in order to keep federal money flowing. Some of the evidence against Corinthian was compiled by then-California Attorney General Kamala Harris, who sued the school in 2013 for false advertising.

Furious and determined to fight back, I turned to social media and found that hundreds of former students of my school were gathering online to address the dilemma that we had found ourselves in: huge debts and worthless degrees.

Organizers from the Debt Collective, a union for debtors, had also heard about the plight of Corinthian borrowers and found our group on Facebook. They proposed that everyone who had attended the school join together to pressure the government to cancel our debts. There were few other choices: student debts cannot be erased in bankruptcy except in a few extreme circumstances. Turning our individual burdens into a collective demand was our only option.

In the winter of 2015, a group of former students met in person to plan the campaign. We were all in a similar situation. None of us had been able to find the high-paying jobs that Corinthian had promised, and none of us could afford to pay back the astronomical sums that we owed. We turned our inability to repay into a rallying cry and launched a student debt strike — the first in U.S. history — to demand the cancellation of our loans. We called ourselves the Corinthian Fifteen.

The law was on our side. We relied on an obscure legal mechanism called Borrower Defense to Repayment that required the government to cancel the debts of defrauded students. Since the DOE did not even have an application available to those who wanted to apply for relief, we worked with lawyers to design a form and then made it available on the Debt Collective’s website. By the spring of 2015, applications from former for-profit college students rolled in by the thousands.

Public opinion was also on our side. Our campaign went viral. Dozens of news outlets covered the story of the scammed borrowers who were taking on the Obama administration in March 2015. Strikers met in Washington, D.C. with officials from the Consumer Financial Protection Bureau, the Department of Education and the Treasury Department. We shared our experiences of being lied to and defrauded by Corinthian and delivered hundreds of applications for loan relief into the hands of Ted Mitchell, the Undersecretary of Education under President Obama.

Our campaign won the support of major media organizations like the New York Times editorial board and politicians like Sen. Elizabeth Warren (D-Mass.) and Hillary Clinton. As more former for-profit college students realized they had been scammed, our numbers grew. We were joined by students who had attended other predatory schools such as ITT Technical Institutes. Our group of 15 strikers soon grew to 100. Thanks to the Debt Collective, we met with lawyers who helped us understand the consequences of not paying our debts. We knew that defaulted debtors could face wage garnishment and tax offsets. Older borrowers might have their social security benefits garnished. But we were ready for those consequences. Most of us could not afford to pay anyway and were already in default, so the strike was a way to politicize our inability to pay. We stood together for everyone in our situation across the country.

Unfortunately, the Department of Education dragged its feet. Officials claimed they cared about us and wanted to help, but rather than just canceling debts that were shattering lives and ruining futures, they set up a series of administrative processes and claimed they needed to study the issue. Little by little, a few former students who filled out the correct forms and checked the right boxes got their loans relieved. But hundreds of thousands of others waited in anguish.

I was one of the lucky ones. Finally, in 2017, I received an email from the DOE that said my loans were being canceled. My joy was tempered by the fact that thousands of others were still in debt. The news got even worse when President Donald Trump came into office. His Education Secretary, Betsy DeVos, halted the relief process that had begun slowly under Obama.

But the fight is far from over, and the stakes are higher than ever.

Back in 2010, when I enrolled at Corinthian, I didn’t know there was such a thing as for-profit education. I assumed that if the government was funding a college, it must be offering a quality education. My experience organizing a debt strike and talking to borrowers who attended colleges of all kinds has taught me that the problem is larger than scam schools. The for-profit college industry is part of a larger system of higher education that often promises the world while failing to deliver for students like me who don’t come from wealthy backgrounds.

Just like former Corinthian students won by turning our individual struggles into a collective demand, I believe we can win even more if student debtors from colleges of all kinds fight back together. We can demand a more fair and just higher education system and an end to the for-profit schools that prey on low-income students.

Tuesday, August 30, 2022

US Department of Education Projects Increasing Higher Ed Enrollment From 2024-2030. Really? (Dahn Shaulis and Glen McGhee)

The US Department of Education (ED) continues to paint rosy projections about higher education enrollment despite harsh economic and demographic realities--and increasing skepticism about the value of college degrees.  

Image from Digest of Education Statistics (2022) 

Since 2011, higher education enrollment has declined every year--a more than decade long trend. The Covid pandemic of 2020 to 2022 made matters worse with domestic and foreign enrollment-- (temporarily) ameliorated by government bailouts and untested online education.  Foreign enrollment continues to languish. And the enrollment cliff of 2026, a ripple effect of the 2008 Great Recession, is now just around the corner. 

ED is projecting enrollment losses in 2022 and 2023, but why is it projecting enrollment gains from 2024 to 2030?  Apparently, one of the problems is with old and faulty Census projections made during the Trump era that were not corrected.

Based on these Census numbers and other factors, the Department of Education's National Center for Education Statistics (NCES) projects increases in high school graduation numbers.  The Western Interstate Commission for Higher (WICHE), in contrast, projects declines in high school graduates starting about 2025. (see graph below). 



For ED, relying on overly optimistic projections for high school graduates creates a statistical train wreck that's made even worse by what's not in their formula.  

Popular opinion about college has been declining for years, and there is no indication that attitudes will improve.  A growing number of younger folks have joined the "educated underclass," becoming disaffected by underemployment and oppressive student loan debt.  While progressive policies could change attitudes, deep skepticism about the value of education is an important statistical wildcard.

This is not the first time that the Higher Education Inquirer has questioned overly optimistic US Department of Education projections. While NCES has updated projections from time to time, it seems to have relied too much on the past and been too slow to change.  

Related link:  Millennials are the first generation to prove a college degree may not be worth it, and Gen Z may be next (Chloe Berger, Forbes/Yahoo Finance)

Related link: America’s Colleges & Universities Awarded $12.5 Billion In Coronavirus Bailout – Who Can Get It And How Much (Adam Andrzejewski, Forbes)

Related link: Online Postsecondary Education and Labor Productivity (Caroline Hoxby)

Related link: U.S. Universities Face Headwinds In Recruiting International Students (Michael T. Nietzel, Forbes)

Related link: Demographics and the Demand for Higher Education (Nathan Grawe)

Related link Why U.S. Population Growth Is Collapsing (Derek Thompson, The Atlantic)

Related link: Economic Well-Being of U.S. Households in 2021 (Federal Reserve)

Related link: Many US States Have Seen Enrollment Drops of More Than 20 Percent (Glen McGhee and Dahn Shaulis) 

Related link: Community Colleges at the Heart of the College Meltdown

Related link: Projections of Education Statistics to 2028 (NCES)

Related link: US Department of Education Fails to Recognize College Meltdown (2017)

Sunday, January 23, 2022

Maximus, Student Loan Debt, and the Poverty Industrial Complex

The Higher Education Inquirer is taking a close look at who's invested in Maximus, the enormous social welfare profiteer. Maximus has been servicing student loan defaulters for years and has now taken over Navient's federal student loan business, branding it Aidvantage

Since 1995, Maximus (MMS) has grown from $50 million in annual revenues to more than $4 billion in 2021. 

Maximus (MMS) Share Price 1995-2022
(Source: Seeking Alpha) 

With an army of more than 35,000 workers, Maximus' clients include 28 US agencies: the Internal Revenue Service, Department of Commerce, National Oceanic and Atmospheric Administration, Bureau of the Census, Patent and Trademark Office, Federal Student Aid, Department of Defense and US Army, Department of Veterans Affairs, Homeland Security, Health and Human Services, Medicare and Medicaid, Department of Labor, Office of Personnel Management, Securities and Exchange Commission and many more. 

As a contractor to Federal Student Aid (FSA), Maximus has more than 13 million student loans to service.  Its four contracts with the US Department of Education total almost $1 Billion.  

While CEO Bruce Caswell made more than $6 million in total compensation last year, Maximus' customer service representatives, the people who have to make the calls to the growing number of student loan defaulters, make less money than workers at Walmart. 

Maximus has recently posted federally contracted jobs on Indeed for $13.15 an hour in Texas and South Carolina, even though the federal minimum wage has been raised to $15 an hour. Wages for Maximus workers in other states are reportedly even lower, as little as $10 an hour in Kentucky and other states with regressive economies.   

Maximus' largest institutional investors include BlackRockVanguard Group, and State Street Corp--three financial behemoths.  BlackRock has $10 trillion in Assets Under Management (AUM), Vanguard Group has about $7 Trillion in Assets Under Management, and State Street has almost $4 Trillion in AUM. 

Bank of New York Mellon, Wells Fargo, and Bank of America each own 900,000 shares or more. 

Public retirement funds, including public school teachers retirement funds (see table below), are directly and indirectly invested in the Poverty Industrial Complex and the student loan mess through Maximus and other large corporations. 


Maximus' strategic partners include AWS, Microsoft, Oracle, and Cisco.  

Social justice advocates have to wonder, how can the student loan system be fixed if the US establishment has a vested interested in the mess?  
 
Maximus (MMS) Top Institutional Investors 



List of Public Funds Directly Invested in Maximus

Alaska Department of Revenue 
California PERS
California State Teachers Retirement System
Colorado PERS
Florida Retirement System
Pennsylvania Public School Retirement System
Teachers Retirement System of Kentucky
Louisiana State Employees Retirement System
Ohio PERS 
New Mexico Educational Retirement Board
New York State Retirement System
New York State Teachers Retirement System
Ontario Teachers Retirement System
Oregon PERS
State of Tennessee Treasury
Teachers Retirement System of Texas
State of Wisconsin Investment Board










Monday, August 31, 2020

Student Loan Volumes Show College Meltdown Has Accelerated

According to Ken Miller at The Century Foundation, volumes decreased 10 percent at public colleges, 18 percent at for-profit colleges, and 20 percent at private non-profit colleges.  

And according to Mark Kantrowitz, new student loan volumes were down 42 percent

Student loan volumes were especially low at subprime schools University of Phoenix (-48%), Walden University (-48%)Ashford University (-56%), and Colorado Tech (-43%) and state flagship universities, University of Washington (-95%), Ohio State (-68%), Penn State (-51%), Temple University (-47%), and University of Texas-Austin (-41%).  

Elite private universities Columbia University (-87%), Boston University (-55%) and Georgetown (-39%) also saw big losses in student loan volume. 

While schools with large endowments will be able to cover these dramatic losses, those with less in alternative revenue streams and endowments will have to make tough decisions, in many cases cutting costs through layoffs in 2021.   

Numbers for the 4th quarter, posted in November after the election, could be even worse, at least in absolute terms.  The loss of these funds may not only hurt colleges and their employees, but also college towns.  Federal student loan fiscal year numbers will also be reported in November.  

In late December 2020, the National Student Clearinghouse will post national enrollment numbers which may parallel declining student loan volumes.  The greatest income losses, however, may come from losses from room and board revenues.  

Related Links:






Thursday, July 11, 2019

Music Videos of the College Meltdown


While I was updating my College Meltdown bibliography and writing a review of College is Bullshi*t, I found an enormous number of Youtube music videos dedicated to student loan debt. Scholarly sources are fine, but they don't get people to move. These videos vary in quality and genre, from blues to rap, to pop, heavy metal, and country. But you gotta listen. My favorites are Eatin' Me Alive by Ramy B. and Dee-1's Sallie Mae Back. An extremely popular tune, Stressed Out by Twenty-one Pilots, has just one line about student loan debt, but definitely hits on the consequences of youth and making choices.

Works Cited
B., Ramy. “EATIN' ME ALIVE (STUDENT LOAN RAP).” YouTube, YouTube, 10 Feb. 2019, www.youtube.com/watch?v=C44O_GUtcQs.

chescaleigh. “BeyoncĂ© ‘Countdown’ Parody: Student Loan Countdown.” YouTube, YouTube, 8 Oct. 2011, www.youtube.com/watch?v=96KiSEMHy7Y.



Cornell, Charles. “Student Loans, You've Got Me By The Balls - Charles Cornell.” YouTube, YouTube, 12 June 2019, www.youtube.com/watch?v=7aJWUA3-E0E%2Bhttps%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv.



Dee1music. “Dee-1 - Sallie Mae Back (Official Video).” YouTube, YouTube, 11 Feb. 2016, www.youtube.com/watch?v=JqbXQa05Z6c.

Dorsey, C. Richaude. “Studen Loan Song.” YouTube, YouTube, 3 Nov. 2016, www.youtube.com/watch?v=JZG8H-1pwu4%2Bhttps%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv.

ebonysongstress. “Student Loan Song by C. Richaude.” YouTube, YouTube, 5 Jan. 2008, www.youtube.com/watch?v=ILcTrUHqHa0&list=PLBiTf7f_nVjgtZ7HCrrPEHY9xvIIHSkXd.

Grosscup, Ben. “‘Four Years of College’ (Parody of ‘Sixteen Tons’ by Ben Grosscup).” YouTube, YouTube, 28 Feb. 2016, https://www.youtube.com/watch?v=_sWosZ2qshc

Hammer, Dave. “Student Loan Blues.” YouTube, YouTube, 2 Apr. 2013, www.youtube.com/watch?v=QQtb8EtD458%2Bhttps%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv.

Harris, Lisa E. “Sally Mizzle (The Student Loan Song).” YouTube, YouTube, 6 Oct. 2016, www.youtube.com/watch?v=_WHXc7FTkPQ.



Lazer, Glenn. “Student Debt Metal Song.” YouTube, YouTube, 13 June 2019, www.youtube.com/watch?v=w5JBNcTDtVo%2Bhttps%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv.



pincgator. “PINC GATOR STUDENT LOAN SONG.” YouTube, YouTube, 29 Oct. 2008, www.youtube.com/watch?v=qD8KVaMbF7E.

“Twenty One Pilots: Stressed Out [OFFICIAL VIDEO].” YouTube, YouTube, 27 Apr. 2015, www.youtube.com/watch?v=pXRviuL6vMY.



Wilson, David. “Simple Mind (The Student Loan Song) by David Wilson.” YouTube, YouTube, 6 June 2016, www.youtube.com/watch?v=hDVtuoPmTPQ%2Bhttps%3A%2F%2Fwww.youtube.com%2Fwatch%3Fv.
?v=_sWosZ2qshc.